Cheerio, then, and Hello to the New

Stars and Stripes patch from Joanna Fiqueroa, Fig Tree & Co. Nantucket Mystery Block of the Month

~~~~

After saying an anniversary prayer for the passing of mum, and unfortunately adding two passings around the same date, I bid farewell to them that passed.  Still feeling sad, I have been able to put my hands to the test and make a production of things.  One being namely the Stars and Stripes patchwork above.  How lovely is that??  I am so thankful Joanna Figueroa is in this world right now, to cheer me up!! 

A gift for a friend

I laid my hand onto paints and canvas, after so many years, and made the above gift for a friend, from a photo she sent of her front door.  I think it has made a pleasing picture, no?

~~~

And this is for you, my friend:  a pot of flowers to cheer you on this hottest day of days.

Remember this day in your coldest this winter. 

Think of those whom you love, and let it warm you.

The end.

XXOO

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.

It's a Good Thing We Don't Know What's Going to Happen Tomorrow.....

My Best Friend, Stinky

~~~

I'm finally resurfacing.  It's been a rough 10 months.

I slept through the winter, which in the south, is pretty short, but it amounted

 to four months of being sick.

~~~

Sooooo.....the old man, in his infinite wisdom, says we need to move back to where we have family, in case something happens to one of us, it'll be easier to handle things with some help.  So, where family is, is located further north, but still under the Mason/Dixon,

 where the snow....

...and the buffalo roam.

So we left the "fairy tale farm",

with the dream house....

We had to leave the dusty road behind, as it was making us sick too.

Goodbye, dusty roads!

~~~

So, like Isak Dinesen (Karen Blixen), who wrote, "I had a farm in Africa....",

I can write,  "I had a farm in Tennessee....."  and then proceed to tell you all kinds of stories.  Of which I shall, I shall.

~~~

But first I must tell you of someone we had to leave behind, not of our own will.

It was Stinky.

He died unexpectedly, and suddenly, of a twisted stomach.  If you don't know the signs, and get to the vet immediately, your pet will die.  And he died.  In my car.  On the way to the vets office.

O, how I cried.  I so wanted him to be on our new farm.

I loved him so.

So the first story is about him.

He came to us as a puppy, via the airlines!

He was a little under the weather, but we brought him up to wellness.

I can not find our bringing home puppy photos.

 He loved water....

 and snow.

 He was the smartest dog I ever had.  

He knew when I was sick, before I knew it.

He wouldn't let me walk one day, he made me so mad.

He sat right in front of me and wouldn't let me go.

So I went back to the house and gave up.  

Two days later, I was in the ER.

He would walk himself around the yard, when I couldn't walk with him.

I always felt safe when I was with him.

My heart broke when he died.  

I felt so helpless. 

I will always miss him.

No Matter How Far I Roam, There is No Place Like Home.......

This place is for real......

and this is where I'm headed.

I've had my stints in many different places,

been halfway around the world.

This is the place I want to be for the last go-round.

"Country Roads, take me home!"

Homesick

The Old Homestead

painted by BB from the photo below

See the log cabin?  That is the original home my ancestors lived in

at Hailstorm Creek.  It is a real place, but it's not called that anymore.

These are my people.

~

Most of them passed before I knew them, but I lived and grew up

on this farm until I went off into the world.

My father kept the door locked to this place for a long time after his

mama passed.  Eventually someone in my family became acutely aware

of all the antiques inside and decided to "rescue" them.  After that,

the door was not kept so locked and the building just eventually

began to rot.  There's nothing left of it now, but a heap in the ground.

~

Long before it rotted, I used to play there, and wander around inside the house

and imagine what it was like to live there. 

 The rooms were very small, but it seemed cozy. 

~

Today, I looked at this picture and I wanted to be there again,

walking the grounds, smelling the lilacs and hydrangea and the

earthy smells of the walnuts rotting on the ground. 

I wanted to touch the rotting logs and smell the decay of cloth and rust.

~

I want to wander the days of my childhood,

and walk where my ancestors walked.  I want to talk to their

ghosts at their gravestones, and step my feet into their church again.

~

I am homesick.