Refinance

March 8th, 2022

1.) It got approved. Over the weekend, I signed all the e-documents for both Jack and I.

2.) It is significantly a help. Most of the credit debit will be paid off while our home loan drops by half-a-percentage point and the home payment goes up by less than $100 (including taxes and fees on the home). It is also a fifteen-year loan rather than a thirty.

3.) Since we are using the same company, home owner’s insurance does not change.

4.) I think we are waiting for the house appraisal? I am somewhat confused because I was able to sign the e-documents beforehand, but maybe that was the step needed for her to send out the appraiser. This is actually the longest part of a home-buying / refinance process in my area as only one lady does most of this county.

5.) Tigger is a -okay. We are getting more sun, so he is sleeping in his window hide-a-bed spot. He is starting to lose his winter coat. Thankfully, I have a pet hair attachment to the vacuum. So much hair.

6.) I still do not have a primary care physician. I give up on finding one in the Eureka/Arcata area. I can drive out to Willow Creek to get a doctor at that location, but I do not have a car. I think that is a four-hour one-way bus drive. I actually should look up what it takes to get there.

Updates

February 14th, 2022
  1. I got my taxes done. Since I was still legally married to Matthew/Jack through last year, I just filed our taxes together. Easier.
  2. I made copies of all the documents the mortgage lady required to start the refinance and turned them all into her.
  3. This allowed me to get the paperwork Matthew/Jack needs to take to Redding to get his back SSDI payments. (As the state has this wonderful way of the right hand having no clue what the left hand is doing. Agencies do not communicate well with one another — in our/his case: SSDI and UI.)
  4. Matthew/Jack has decided not to get a tenant for a few months until the refinance home inspection occurs.
  5. Strider, our missing cat, has never returned. He has been missing since September of last year. I hope he is happy and loved wherever his big cute kitty butt is currently residing. I still wish I could find him to bring him to Tigger, but that ship has sailed.
  6. I got exposed to COVID last Wednesday, so I basically have been in isolation until I can get a COVID test this afternoon. I have felt fine the whole time. I have had no COVID symptoms; however, the shot makes those symptoms less severe. I am a walking carrier of the plague. (dum. dum. dummmmm.) Good news: I have the sick pay and plenty of vacation hours to cover this. Bad news: five days in a two room apartment has made me stir crazy.
  7. I deep cleaned my whole apartment. I went through food by prepping it or throwing away long expired items.
  8. I got tall the bills paid for the month except a couple hundred of the mortgage.
  9. …. Job. Is … I could care less about it. Hard to stay motivated when my safety is NOT their concern.
  10. Since I have been off the last 5 days, I have no idea what has been happening. I think I had no security the past five days because two of them were the ones that tested positive for COVID (which started this whole mess).
  11. I am having a lot of nightmares again.
  12. My anxiety is up as I am planning to see the lady who let me live with her and keep Tigger. (My first sign of hope when I was homeless.) I go to visit her this next Sunday. I am super nervous about it. She literally saw me, sheltered me when I was more than half out of my mind.
  13. Lockdown caused me to miss my laundry day and check cashing day, so I’ll be wearing my panties inside out. Or when I decide to stop being so lazy, I’ll wash a set of them with hot water in the sink.

My antivirus vs wordpress

January 24th, 2022

So, I haven’t been able to log in (or I thought I was unable to log in) as each time I logged in, I saw only a blank screen. I turned off my VPN, and now my blog is functioning again.

So updates:

  1. Survived holidays. I lived.
  2. Job: Not happy. We just had two weeks of a living nightmare of a tenant who purposely and specifically targeted me after I had night security remind him of “quiet hours” actually being a law in the state of California. He then made a bunch of threats on camera. However, our local cops are under orders not to arrest for anything other than violent felonies or like suicide watch. Basically, by the end of two weeks — three tenants filed complaints and asked for restraining orders against this person and we called 911 on him 14 times. He was served an actual 3-day eviction notice. However, my fellow co-worker and case manager, managed to help advocate to the head of our company for him. Last Friday, the head of the company sent out a “I had a talk with this man. He verbally agreed with me that he wouldn’t harass, threaten, ect. He gets to stay.” I nearly fell over. Since when is the verbal agreement from a drug addict mean anything? Anyway … my job description is actually not a property manager but a step under a case manager. So, as soon as #3 goes … I will be moving off site. My neighbors deal drugs out of their apartments. The lease is a joke. Hilariously enough, I actually do NOT have a signed copy of a lease. It disappeared when the last head of HR quit without notice — as did many of my tenant leases. … so… number
  3. Refinance: I have had a job over six months. My ex has permanent SSDI. We now can qualify for a refinance with withdrawing equity. Preliminary paperwork aside, we will be able to pull out enough cash for my ex to get a new roof on the house and pay off all our common debt. (I will only owe on my one credit card). …. So basically, it will separate all the bills between us. I will still have to keep my ex housed. And pay 1/3 of the mortgage, but it will clear a LOT of the bills that just eat up any extra income I think I have.
  4. My ex kicked out one tenant for using an illegal narcotic. He had another potential tenant until two nights ago, when that tenant “stole” from him to buy alcohol and got very drunk and inappropriate. My ex said he went to church he was so pissed off. He is kicking that tenant out. There is no lease, so he is giving him till the end of the month to leave. I.e. Jack has no tenant …. so he has no disposable income. however …
  5. I managed to get all the finances caught up and two weeks ahead on everything. I literally will have no spare budget and/or no food budget, but I can keep everything caught up and paid until my ex finds a tenant, we get the refinance and/or tax returns. I.e. I can keep us afloat because I am amazing at finances and planning ahead for disaster.
  6. I am in the process of figuring out how to do the tax returns. The good news is the
  7. House appraisals cost will go into the refinance costs. So we do not have to come up with $850. Bad news is
  8. I still basically do not have a doctor. I found a lady doctor. I had an actual physical check up. She ordered blood work. The vampires took 9 vials of my blood. (Since my ex was unfaithful, they are checking everything!) She convinced me to stop taking melatonin to sleep. I have cut back from 3 gummies a night to just 3 total gummies in two full weeks. (I have started actually having lucid dreams again as well. Those have been fun.) I then found out that even though this lady can work as a primary care, my insurance company will not accept her as a primary care. So after my next appointment, I cannot go back to her without every visit costing around $200 out of pocket. At this point in time, my only doctor option is the Emergency Rooms or $200 out of pocket. If I had no insurance, I could actually get a primary care physician. But my Blue Shield insurance is not accepted in this area. The nearest available doctor is a a 45 mile drive into the hills. Easily enough if I had a car …
  9. I still have no car. My head is above water, but I cannot make enough to actually save anything. I think I have $25 in savings right now, and I am very proud of that.
  10. Tigger is doing very well. He loves the heating pad to sleep on when the days are cold. Lately our weather is dry, warm and over fifty degrees.
  11. It was great to talk to you Dad. I have missed you so very much.
  12. I am trying to call one family member a week. I have been successful one of four weeks. (see #11)

Hmm. I cannot think of anything else pertinent.

Toaster Oven

December 19th, 2021

Well. I finally have a sturdy enough prep area to have it plugged in and usable.

Well “furk” me …

December 8th, 2021

I had two separate admin tell me before moving in that “no registered” or “violent offenders” would be allowed into this property. My night security started researching tenants. They sent me a screenshot of one of my tenants being a PC 290 from an article less than a year ago in our local paper.

I wrote my boss because of being told the above. Her response: we do not do background checks on people. We are on of the only low-barrier service providers. Then I was ordered to shred paperwork and remove information from company devices.

Are you fucking kidding me?

  1. I was lied to about the clientele moving into my apartment complex.
  2. This company has refused to provide me with a door chain, a peep hole or a security door.
  3. Am I living near violent sexual offenders — like rapists?
  4. We have an apartment complex less that 50 yards from this property with children living in it.
  5. I have female tenants that are unable to defend themselves at night (physical disabilities).

I am seething. I am trying to maintain control of emotions and just think, but all I find myself doing is taking deep breaths.