Monday, November 25, 2013
Life in Texas is going about as you would expect. The weather has been mild until this week when most of the country got hit with cold. Since I have to walk the dog now instead of just letting her out the back door, this is not my favorite kind of weather. We walk about 1.5 miles a day which averages out to about 10 miles a week, great when it's not rainy and cold. Not so great when it's 34 out!
The job search is moving at (according to me) a snails pace. I have had three interviews. I have another next Monday and one of the places I interviewed wants me back again next week to meet more people. All of the applications for every job are now on-line. You can't apply any other way and you do not get a real person. It's a lot of sit around and wait to see if someone calls. Well, that makes me nuts so I started looking up people on-line in the jobs I am interested in and emailing them my resume. This is the only way I got the interviews.
When I planned my moved I really thought I would rent an apartment for a year until I got my bearings and knew my way around. I had a change of heart and as soon as I get a job I am going to start looking to buy a condo/townhouse. Rent for a small apartment is more than what a condo payment would be for me and I just can't help feeling I would be throwing my money way. I am pretty sure I will be working in downtown Dallas and since I don't want a long drive I will need to live in the city where rent is higher. Plus, I was ready to redecorate my house before I put it on the market so now I have this unfulfilled craving!
Have a safe and Happy Thanksgiving!
Sunday, November 3, 2013
I am staying with my sister and her family until I get a job and find a place to live. We are in a four bedroom, 2000 sq ft apartment. I don't mind. I have my own space and the apartment is bigger than my house was. No, my issue is Gracie. For her entire 10 years of life she had a backyard to run around in. I could just let her out and not worry about it. Now, in an apartment, we have to walk...and walk...and walk! In the morning I take her to the field behind the complex. She gets to sniff and run around until she gets tired. In the afternoon we walk in an almost 1/2 mile circle around the complex and at night we do the same. While she is getting exercise, I don't think she likes it.
She used to lay on the patio and guard her yard from invading birds, squirrels, rabbits and bugs for most of the afternoon. She would sit in the front window and guard her house against marauding mail men and kids on the sidewalk for the rest of the day. Here she doesn't have as much excitement so I think she is a little depressed. Also, when we got here I noticed she was missing a tooth. This lead to finding a new vet, an extraction of 10 teeth and over $900 in vet bills. She just doesn't seem like herself.
The cat is doing fine! Ha ha .. I was more worried about her than the dog and she great.
I started looking for a job this week and have applied to about 15 openings. I have an "at least one application a day" plan. I haven't had to look for a job in over 10 years and the process has changed. Everything is on-line now. I tried calling a company but they directed me to their website. If you know me at all you know I am very impatient so all this waiting around makes me want to pull my hair out! Wish me luck!
Finally, I am on my last aligner with my Invisalign braces and will have to fly back up to Michigan in two weeks to get finished up and get my retainer. My teeth are nice and straight and I am happy with the results. I would post a picture but teeth are gross!
Sunday, October 20, 2013
This may be a long post since I haven't written in ages. I have been super busy. I sold the house for cash so we closed within two weeks. My last day at work was October 4 and the movers came October 7. I had tons of help packing, my mom, my Aunt Rosalie, my niece Krista and her two little girls and my cousin Jackie but it was a huge undertaking. I was trying to pack up my house and finish up my work and train a replacement. Nuts!
My sister and niece flew up to help with the move and I would not have been able to do this move with out my uber organized sis!! Also, I had wonderful movers, Foster Brothers. They are from Cadillac, MI and I would strongly recommend them to anyone. My mom and I drove my in my car and I rented a Town & Country van for my sis to drive. We put the dog, cat and all my plants and any clothes I needed in the back of the van and left Michigan early morning, Wed., Oct. 9.
I spent a little less than 2 hours in the ER and had lab work and an IV. They changed my antibiotic and sent me on my way! My mom and I got in the car and hauled ass to Texas. It took us about 7 and 1/2 hours but we finally made it to Plano around 9:00 pm Friday night.
I didn't feel much better over the weekend and ended up seeing my sister's doctor Monday morning. After testing and a cat scan the conclusion was kidney stones! Not the best way to start the next chapter of my life!
I am unpacking at my sisters and finding my way around. A job is next on the list. Stay tuned for the next exciting installment!!
Thursday, September 5, 2013
Now I wait. The buyers Realtor is young and seems inexperienced. They should have already scheduled the inspection and closing so Rose had to get after them to take care of this. I think we are back on track, well, I hope so since I am packing!
I am having one last garage sale on the weekend of Sept. 13/14, plan to give my notice for my last day at work to be Oct. 4 and then get the movers the next week.
"Man plans, God laughs" has been the theme of my life lately so I can't get excited yet... I will...soon....maybe...
Wednesday, August 14, 2013
I had three full price offers on the house the first week, all FHA. FHA lenders will only give mortgages if the appraisal is for the full price. This didn't happen. My house appraised for $25,000 less then what I owe! The problem is two-fold. The location and the market.
I am located in a city that is full of foreclosures, bank owned houses and rentals. There was nothing for sale in my price range for comparison. My neighborhood is nice but the surrounding blocks are starting to get run down (one of the reasons I am moving). If I plucked my house up and moved it to another city in my area I could get $15k-25k more for it.
The other issue is the market here in the Detroit area. According to the Detroit Free Press,
"After a spell of dreary years, the metro Detroit housing market is finally regaining much of the value it lost in the crash. But many real estate agents and home sellers say the market’s comeback could be even stronger if it wasn't for what they consider overly conservative appraisals that lag the prices buyers are now willing to pay. No one is tracking how many deals are falling through because of low appraisals. But for some brokers, close to a quarter of their deals this summer have run into problems because the appraisal came in below the price that the seller and would-be buyer agreed upon, according to multiple agents interviewed by the Free Press.In a more typical “good” market, that figure is around 5% to 10%, they report.“The appraisals are really just killing things right now,” said Jason Matt, a Realtor with Coldwell Banker Weir Manuel in Plymouth, who estimates that 30% of the 113 homes his team has sold in 2013 have encountered appraisal problems.Because lending institutions generally don’t write mortgages above the appraised amount, an appraisal below the agreed-to selling price will scuttle a deal, unless the buyer can bring enough cash to cover the difference between the sale price and the appraisal."
So, there you have it. I am stuck in the middle. My house is back on the market for conventional or cash only. I am giving it until around Labor Day. If I don't get a reasonable offer by then I will turn it into a rental for a few years. This isn't my favorite solution but it may be my only option!
Thursday, August 8, 2013
The inspection on the house was last week and went off without a hitch. The appraisal was yesterday and I may not know the amount for up to a week. This is making me crazy. If the appraisal is too low it changes everything. Crazy market here in Michigan means not being able to count on anything. If for some reason I can't sell this house without losing my shirt I may turn it into a rental.
I really don't have any other news. My life is on hold!
Thursday, July 25, 2013
My house was listed Sunday. I had a showing Sunday afternoon and a full-price offer Monday morning. I had a showing Tuesday afternoon and a full-price offer Tuesday afternoon! I accepted the offer from Tuesday. Now comes the fun part. The person was supposedly pre-approved but my agent is still waiting for confirmation of that. Once this is confirmed an inspection will have to be done within 7 days and then an appraisal. In the mean time I have a showing tonight! Keeping the house clean and picked up and worrying about the dog being home when the house is being shown is much more nerve wracking then I imagined. The other issue is the appraisal. Houses are selling like crazy in my area but the appraisals haven't caught up to the market so I worry....
In other news. I am down 5 pounds and chopped off my hair!