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lizasnan's Blog

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From Beds to Houses

lizasnan

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Wow, it's hard to believe it's been so long; so much has happened. Think you got them settled down with a new bed then I guess the next thing was all the kid's semiannual consignment sales where you go get them their next batch of clothes so where we were then; just that it still seemed to come out our pocket even though he got his school money, so don't know what will happen next go round because there won't be any more of that; he's about through with school, still has to take that dreaded math class this next semester; how you can get through your whole program without taking the math course that you supposedly need in order to get through your other courses seems as if it should say something but anyway and his graduation orientation course and that really should be it, so...then little liza had her birthday with a much smaller party this time, just us and maybe a couple of their friends and not even really sure about that, only one of hers while we were there and just at their place this time with more just homemade goodies for eats; mom did a good job making and frosting cupcakes but seemed to get lots of presents - I guess with money saved on clothes because they did get most of them themselves. Then we had her adenoids taken out after a sleep study and doctor visits. Then it was time for Thanksgiving, which we finally had one at home with them. Their landlady had actually given them a turkey but it's still in the freezer because everybody decided they wanted ham, so we may yet have it at some point. So I cooked the ham this year - yes, Hawaiian style with pineapple and glaze, with dressing, sweet potatoes, and cranberry salad, with her bringing Hawaiian rolls (to go with Hawaiian ham? maybe but she knows we all like them besides), baked beans, green beans, corn, and potato salad, nothing fancy just way too much but then they took a lot of it back home with them and she was here enough after to eat up the ham, so much so that youngest son hardly got to have any, so should I fix 2 next year? hm

And then (or maybe it had already started) it turned cold, which actually it had already somewhat; part of why the landlady was there, to put plastic on their windows but they put it over their blinds, not even caring whether they were up or down, open or closed, and just put cheap flimsy stuff and putting it up with duct tape, just looked so tacky so as soon as they left, she started tearing it down and here we are again, going and buying good plastic and a stapler, with son putting it up much better but they had moved in back in March just at the end of winter but even then it seemed pretty obvious this place was not built nearly so well as where they moved out of, like kitchen floor very obviously not level and no bath, just a shower that wasn't even built-in, just had the hand-held, which I guess that in itself isn't too bad, but it's not even standard height and had a very different, much less efficient heating system, just a window heat pump unit like we'd tried that didn't work vs a mini split like they had at their old place; would be hard to get through the winter - but a year's lease was signed so it was just expected that it was just have to be toughed through until just at this time - and with throwing this in, son had already said when it was up he wanted out of town or at least out of that neighborhood, which would probably mean having to get out of town because they couldn't afford anywhere else in town; how they wound up there in the first place; son actually wanted back out here where he grew up - a house owner financed with no down, completely remodeled, except, of course, for no stove or refrigerator, but they thought they could come up with them fairly cheaply anyway - came up for sale out here by people we knew but that she had met as well - actually somewhat of a neat story - actually on both of theirs first pediatrician visit; their children's birthdays are only 2 days apart - so we were going to see it, did go by, but since she found out about it as well, she wanted to go see it too. Which is that not always a bad move; when you see something, if you like it, you want it - haven't we been there before, which is, of course, exactly what happened. And then you have son wanting to move out here so you have him go see it as well and this time the same thing happened with him, which has not been the case; you could tell he really liked it as well as where it was and really would like to have it, although he's more understanding of what all's involved and you have dh with the old deal of course that it's always better to buy than rent, but at 9% interest? well, no downpayment, which I know there at least used to be some deals like that you could get through a bank at a better interest but you had to have really good credit, which they don't have, so, yes...do you see where this is going? dh was considering getting it himself to get the better interest rate because...you do remember who's been paying the rent anyway, right? they figured up what the payment would be and at that rate it would be much higher than the current rent. So...when they realized that and the situation and the fact that they had actually quoted a much smaller payment themselves because they'd gotten their own selves mixed up about the purchase price they did drop it by $10,000 bringing the payment down considerably but still more than their rent had been being plus of course with buying you also had to buy your own insurance which of course you would add on to it; poor dil, as no clue, she thought that was included in that price, which, of course, going through a bank, could be and held in escrow so maybe not so clueless really just not the way being done in this situation, which did take a while to get her to understand; these people just never considered getting into all that or actually she thought they would just keep the insurance in their name, which in somewhat of a way we possibly found out could somewhat possibly be done but they're just not going to do, so we started pricing insurance and found out that, with living out here in a rural area even with a good fire rating - well, actually we really didn't just find out; it had just been so long since we'd gotten ours that we'd basically forgotten why we had it with who we have it with, that they're the best for being in this type of area - they said that since we're covered under a volunteer fire department that isn't legally required to respond makes the insurance considerably higher and of course even though they will never call it a credit rating; no, it's an insurance rating, it comes into play; doesn't take into account everything that your credit rating does like getting a mortgage but they have at least one eviction on their record, even if that could be justified, in that sense, because of that landlord's lack of maintenance; still, it's the way they handled it; that's where this other option comes in with keeping/having title actually in someone else's name and them having a landlord policy - hm - but we would have to have another policy with them in order to get that, at least with that company, which we could just move their vehicle that we have on our policy over to them but if we're going to have to do all that told them we'd just check with our own insurance company and see how that would work. Which seemed as if it should work perfectly at least as far as finding out because dh actually had an appointment that next business day re his life insurance which had gotten dropped when our term ran out because of his health but with everything he's had done the past few years and with an agent change, they felt he could get it again, which he did and be able to ask, which would possibly have worked; they'd just started a couple of months ago a legacy program for children of long-time customers who are first-time home buyers with not having to be based on their insurance score but ours but you still have the rural situation in this case plus we learned through all this how important central heat and air is, even though we don't have it either but seems the bigger the house maybe the more important and this one is actually twice the size of ours - not saying this one's one of those huge McMansions, just more an indicator of how small ours is so it still turned out be considerably high - but that's still not the program we were supposed to be trying to find out about, which we'd done ourselves before he went but not sure it would have been any better but it had been a week at this point so the owners were feeling like we weren't going to take it; they'd been calling basically every day to see if we were ready to go to the lawyer's to sign the contract - that I didn't really like - ; so they put it back out for rent with a sign they found out when they went by; poor kids, they'd pretty much felt like it was theirs and, yes, dil, felt like we just weren't doing it, so here we go again but when that happened son just called and talked to her about just going ahead and doing that, which of course was fine, with another year lease, except that hadn't been worked out, except they had talked to their landlord this time about moving out and being able to get out of the lease, which kept leading to misunderstandings about when - fine, be out by first of month but which month, no way could get everything done to buy by the first of this month when they said it takes a month to get things ready to close to buy so had to go back and get that resolved, which was fine, until they said they were going to bring a form by for them to sign that turned out she had told them they would be out by the first of the month, which there was no way, so they said they would give them to the 5th, so good thing they could rent, and also they ended up saying they'd discovered that their lease wasn't valid anyway - they'd hired a property person at the time to take of those things for them and said they had never even looked at it - yes, even when they signed it, or rather her husband did; she didn't, which may have been part of the situation but there were other things that she did but I think I know why but anyway that one won't be on their record so they jumped in/on that one - again - because that's exactly what they did when they moved into where they've been.

So to go back a bit, after this came up, as good a deal as it sounded, some deals you need to look at it more closely, so right after that a trailer came up for rent actually cheaper than where they are now that hub wanted me to go look at it myself without her getting involved, which I was able to do, all this being right before Thanksgiving, which I felt could have been rather nice had they not already seen the house so we did tell them about it then for them to go look at but he also didn't like how far back you had to go to get to it; talk about rural, it really was, and true enough it had white carpet with rust stains that the landlady said to just put down some rugs......

Then she found places in the next town down she wanted to go look out because then it began to really come out that it wasn't actually about the house for her; she was just wanting to get out of where she was just like she was before especially after she'd found out by then that she could get out of their lease, so we did go look at the only one that was still available, which was a nice apartment, which the whole initial reason for a house before wasn't really so much of an issue as it was then, another duplex like they had before, as nice a one as they'd had before, as they'd already looked at another one in town, close to where they'd lived before owned by the same people but it wasn't nearly so nice, with this one having a back door, where the other one they'd lived in was a front to back so no back door or yard, which this one a fenced in one like where they were then, except they had the same problem basically with the back door; they basically, even though they had, couldn't get out of it, which in talking to this landlady about, she brought up what we'd wondered, that that's against code and they could be reported, which could negate any repercussions that she'd somewhat brought up, even though they'd agreed to let them out of their lease, plus there were several other things that were not right, like they'd already had to come work on the pipes underneath the house, that really - and they had said this themselves - needed to be completely replaced but it sits (where they'd been this past year) quite low to the ground thus making if difficult to do and they just don't want to do it, he said as much; he really wouldn't mind selling it to them himself, which we'd somewhat considered but then we'd be responsible for all that work, no thank you very much although the actual house price probably would be cheaper but how much would it cost, although son could probably, at least in theory, do it himself so it probably wouldn't cost that much but really with school, although that was soon going to be over; you could tell, though, the landlord really didn't want to really fix the problem with the pipes that had caused the kitchen sink to stop up and the washer to overflow, then the kitchen floor that was not level when they moved in had gotten worse, that it was about to fall in, maybe because of her weight but they said the renters they'd had before had moved a bunch of people in there so surely she couldn't have more weight than that or maybe they didn't cook or wash dishes, now maybe it was or wasn't quite that bad but even dh said it was bad and the landlady basically said they didn't want to fix anything, that they knew what was wrong with it when they moved in - while this other landlady of this duplex in the other town had completely remodeled this place when she got it; she said if you want good renters, you have to invest in your property. Maybe why she had somebody else coming to look at it that same day so then....you see where this is going, right? she wanted to hurry home to my dear hub, not hers, who was at work and she knew who would be getting her out and in, anyway, right? to get him to do it - so now, get all this, we've already paid the rent for their old place or we had at least taken the check to her to pay plus now she wants us to now go ahead and get her in a new place; well, in all fairness turns out she had actually already torn up the check he'd given her with the idea that she wasn't going to be staying in that place that one more month that it was going to take to get in the house to buy; not sure if she just didn't understand or thought they could just go ahead and get in that house....so anyway true enough in her mind at least we weren't having to pay one on top of the other but we hadn't fully known that yet and didn't really know how responsible we'd be at that point but....dh being what he is he was going to just go along with it except of course he wanted me to be the one to actually do it so.....now, you have to understand this is, like, the biggest day in this state - the day of the big football game and she'd already said that morning when I called, as dil had asked me to, that she couldn't show it after a certain time, which was the time the game started - now, granted, she didn't say that was why but that's just the big assumption on that day but we all know what they say about assuming....so when she said at that point that she only had a certain amount of time I said - yes, I did - oh, that's right, it has to be done before the game - now everybody knows that's just a throwout statement that's made on that day and nobody thinks anything about it even if that's not you're going to be doing, just like I don't care anything about it and possibly it turned out that she didn't either and that wasn't the issue but not normally a problem. I say all this because probably dil doesn't understand that; after all, she's only been down here - this will be her 4th year to be here at this time of year and son's a big "that game" fan but she does know that not everybody is, but not what I just said, so...she goes ballistic so maybe I handled this wrong but it just hit me the wrong way; I'd called this lady, gone all the way into town to get her to take her to go look at this place, all while, at that point still somewhat thinking we'd not made a decision and weren't going to until dh had that insurance meeting next business day only to have her come talk - I felt - dh into going ahead and getting her into this - even though, yes, it was cheaper and insurance wouldn't be an issue - maybe because I felt I knew (and after possibly some other stuff later maybe I didn't really know but then again maybe I did) that son really wanted the house but would go along with her going ahead and doing this just to keep the peace even if he really neither wanted or felt it was the best thing but then again, with her, what it the best thing? but then again, what is and whose decision is it if we're funding it, but then again, what is best, it is cheaper but it is still renting, so I guess I just wasn't too thrilled at that point anyway so when she did that I just gave her the phone and told her to take care of it, which seemed to take care of it all right; nothing was done, which was fine with me at the time....except that later I was told that then she wouldn't rent to them at all anyway after that, after what I'd done - after what "I'd" done? - hm, well, I didn't want to burn that bridge; it was a nice place but then I'm not really convinced that's the way it was, actually I think it was more her rush; she'd made a comment while we were there that she liked for people to take their time even if that meant they didn't move in to the first of her rental properties that they saw; that the more time they took the longer they usually stayed which I was concerned about then so I think it probably worked out for the best.....

so anyway she then finds some more places to go look at so here we go trotting off again - a trailer and another duplex. Out in the country again and again, uh, no...the trailer was an old construction office trailer this old man had somewhat converted into a house trailer but only on the inside - no windows, just stuck in a place that looked like a construction site, no yard for little one, uh, no...cheaper still, true, but....

and this duplex shared a porch with the lady we met who was out decorating for Christmas - can you just picture it? wish I had one - every stereotype you've ever heard of - yep, some of them really are true - so, again, uh, no....

then the next day this house right across from our church that we'd considered for them before had a rental sign up in the yard, even though we'd just passed it the day before and it hadn't had although it had been sitting empty for quite some time and dh had just mentioned it. Our neighbor's son had lived in it for a while some time ago but dil didn't believe me until I took her by, having her out here again, but when saw it called the landlord immediately and he came right over and showed it to us, having somewhat remodeled it as well with also what I thought was rather strange for just a rental house, no stove or refrigerator either; said that most renters now like to have their own, which he does have some to sell, which we would need since they don't have their own; she liked it well enough to have son look at it, which might have worked except for, again, having already seen the other, but otoh he doesn't really feel comfortable being right across from the church where he grew up since he's not ready to come back even though she said she'd probably come more often since she could just walk right across the road but also it's right in front of the cemetery where their little girl is and he just can't handle that although she said she'd probably be over there every day and not sure that would be good either so..

so of course now where are we? well, where we are at that point is right where we were before she started all this; dh still has the insurance meeting the next business day...except when son came to get her after work with a friend of his and they went by is when they found the for rent sign in the yard then later we both found where she had posted it for rent. So I immediately called and explained the insurance situation to her better than dil had earlier, which had created this situation; all she had been understanding was how expensive it was going to be and she wasn't going to be able to get it, while the rest of us are still working on it; son told her later she needs to leave the explaining to him or me, at least with something as serious as buying a house, which she wasn't understanding anyway; she was just wanting to move and having told their landlord they were by the first of this month, she was getting herself in a situation, with it taking a month to get things ready to buy; she really was wanting to go ahead and move in this house before things were ready; she just didn't think she'd be able to so actually she was glad she'd put it up for rent so was thinking maybe they could. But she still didn't know if she was going to be able to have it at all with hearing all the talk about how it was going to be more expensive, even though son had said he would make up the difference, but thought would be cheaper to rent, which would so...

when found out didn't get insurance straightened out he jumped on it and called to see about just renting it and got that worked out to meet the next day to sign the lease so....

younger son hooked up the trailer and we went to help them move such that they spent the night there that night, even without kitchen appliances...although she'd found some but they were way up or out the other side of town and son didn't want to get into that with all the trips he'd had to make to move their stuff; said they had more than they ever had; he'd like to make this place more or less permanent and quit this moving.

except then when she got there the next day she ended up not having any so he just took the money from her tearing up the check for the rent for the other place plus of course dh came up with the extra rent to get them in plus the deposit even though we didn't get the other back, just like the last time, although we did at least get half of it back then but not all because they moved in the middle of the month without giving a month's notice but at least not having to pay rent on both places this time then...

new utility deposits since moving out of the old utility area so hopefully expecting those back but...

so they headed out to the other town to pay to get all that turned on...

then spent the next couple of days moving the rest of their stuff, cleaning up the old place, to some extent and trying to find a stove and refrigerator, which turned out to be able to be as cheap as they'd thought; they said things had really changed the last 3 months with the new health care law, for whatever that's worth, so you know who also came up with money for that so....




4 Comments


RoseRed135

Posted

Whew! Got exhausted just reading about all that! ;) But it sounds as if things are working out now and I hope for the best in the future!

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lizasnan

Posted

yea, I know, don't know that I really expected you too; I actually thought I'd posted that a long time ago and wasn't really sure if it even posted yesterday; don't know what happened or at least what I thought did; yea, not sure what's going on now - haven't told the story of all the "tenants" they've had since they moved in - hm, should I?

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RoseRed135

Posted

...haven't told the story of all the "tenants" they've had since they moved in - hm, should I?

 

Up to you.

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lizasnan

Posted

oh, only been 3

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