Welcome to the Playroom at 14 Peonystreet!

Why we call it the 'Playroom': the place whence objects pleasing to the eye are brought from the drawing board to reality, after much discussion with the ancestors.....

Thursday, January 19, 2017

Phase Two

Hope
~~~~~~~~
Love
~~~~~~~~
Peace
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There are practically no words to describe the events of these last two years, but the above three words are what I'd like to focus and meditate upon now.
~~~
I can hardly comprehend all the hatred in the world that's going around right now.  It's affecting me in a bad way.  It's awful and tragic what people are doing to each other.
~~~
For me, there's only one answer, and that's to turn in closer to Our Savior.  He's my Shield, and my Rock.
~~~
Maybe someday I'll be able to share what I've been going through since I wrote last, but it's just too heavy.  I'd like to release it and move on.
~~~
Pray for one another, spread kindness and understanding.
Let love rule your heart.
Peace be with you.

Tuesday, June 21, 2016

Where the Bears Were.....

This is the photo that you get when you see a 250 pound mama black bear and her cub, crossing the road directly in front of you, and you're fumbling with the phone camera, because it's
asleep, and first you have to wake it up, then have to swipe it, then have to hit the camera icon, but since you're not driving, the significant other, who doesn't fool with the phone camera like you do, is going through all the above steps, and just can't quite get it to take a picture fast enough.

But, yeah, there was a mama black bear and cub who crossed the road, right here, in front of us, from left to right.  The baby bear stood up on it's hind legs and they both looked straight at us before they trotted off into the woods, to the right.  
At the curve in the road, like straight ahead about 500 feet, is a residence, so this is not only a forested area, but people live along the road as well.  
This was our first daylight sighting in a long while.....probably won't be the last, but maybe next time, we'll be able to get the photo to prove it!

Sunday, May 29, 2016

Memorial Day, 2016

 Thinking of all those who've died in service to our country.
God Bless all of you who are serving our country right now.
We are praying for your safety always.
XXOO

Friday, April 29, 2016

Advice on Building or Buying a House

I can’t help but try to give some advice to others younger than I, about building or buying a house.  There’s so much information out there and a person can get real confused, real fast.
But after going through this a few times, and being stressed out beyond my wildest imagination, I sure wish I could help someone else through this process.

I guess, to start off with, not everyone will have as hard a time as I have with this, but then again, you may.  Things have really changed, since Dodd-Frank, and the housing collapse of 2008.  Banks are extremely picky who they loan money to for houses, and it’s even more of a picky process when you want to get a construction loan. 


1.  Know ahead of time, that you’re going to need certain information for your application, whether you’re buying or building.  Things like recent bank statements, tax returns, pay stubs, 1099's, identification cards, and of course all your debt information.  Basically, by the time they collect every financial piece of information you have, they’re going to know everything about you: where you live, where you have lived in the past, what jobs you’ve had, how much money you make and have in savings, what all your assets are, how many kids you have, etc, etc, etc.  There’s no way around giving these people your complete information.  It can be rather disconcerting, until you build a relationship with your banker.  You have no choice but to trust them with your financial information.  It’s awful, but you must do it.  Be ready.

2. If you can find a good house, in a place you like, you’re probably going to be better off doing this for your first house buy, rather than building a house.  

3.  Building a house, and all that goes with it, is about 20 times more stressful than buying a house that’s already built. 

4.   If you’re going to have a house built, do it when you are younger, rather than older, because of the stress factor.  If you have a bad heart, or bad nerves, building a house is not for you, unless you know how to deal with extreme stress.  It can be as stressful as going through a divorce, or a house fire, or a natural disaster.   Those are all over the 10 level of stressful events.

5.  No matter what you think you are going to do in your life, no matter how certain you are that you’re never going to move, or this is going to be “the house you live in forever”, always, always, always buy your house or have one built with resale in mind.  Don’t do anything wild to your house that will make it hard to sell in the future.  This point will be debateable for lots of folks, because why shouldn’t you do something really to your liking?  After all, you own it, right?  The thing is, not everyone has the same taste.  A wall painted purple is not everyone’s preference.  The other point is, you most likely will sell it sooner or later, no matter what you think.  It’s just a fact.  You can’t ever say never.  I’m proof of that.

7.  If you’re buying a house, have it inspected, and also inspect it yourself.  Don’t think about offending the seller by looking into every nook and cranny.   If they do get offended, I’d suspect they have something to hide, that they don’t want you to find out.  By law, all defects are supposed to be disclosed, but not everyone is honest.  
a.  Be very careful if the house is being sold “as is”.  This should be obvious, because you’ll probably be getting into some serious repairs.
b.  PROBABLY THE MOST IMPORTANT THING TO HAVE INSPECTED IS GOING TO THE BE THE SEPTIC SYSTEM, if the house has one.  (Homes built closer to towns, may have a public water and sewer system.)  If you’re out in the country, DEFINITELY, have the septic system inspected, and make sure it’s not going to be something you have to replace, unless you have the money to replace it.  Septic systems are now very crazy, all over the US, because the authorities are convinced that septic systems either: contribute to the pollution going into the ocean, or polluting the drinking water, or both.  So- this means an incredible expense - for a nitrogen reducing technology, that also requires a five year maintenance contract, after it’s installed.  
c.  Also, if living in the country, have the drinking water tested.  Most places not within a township have a well.  Get the well water tested.  It’s probably okay, otherwise people wouldn’t be living there, but get it tested anyway.  Most county Health Departments will do it for free.



8.  If living in the country and you’re building a house, you have to make sure the land will PERC.  This is a water drainage test, to see how well the water drains from the pipes from your septic system into the surrounding dirt.  Mountainous places don’t have a good history of PERCing.  Check to see if a piece of land was PERC’d previously, by asking if the previous owner has anything on file with the county.  The office that has those tests on file will be your county’s health department.



In conclusion, buying or building a house is not for the weak-hearted these days.  Do your research.   You’re going to have to be a fast reader and make decisions quickly at times.  Familiarize yourself with the lingo in the real estate and banking markets, so you know what is being talked about.  Also, take the time to read through your contracts before you sign them.  One thing, among many others, is to see if there is a prepayment penalty, if you pay your loan off early.   It’s also a good idea to have a lawyer look over your contract before you sign it.  You should never feel pressured to sign a lengthy contract the first time you read it, especially if you are a first time buyer.   Be assertive and get what you want.  Remember: you are the one who has to pay the mortgage and interest, not the people who are selling you their house or property, or the bank who is loaning you the money.

Take care.

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