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If By Yes

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If By Yes

Monthly Archives: June 2009

Pride goeth before the mortgage

30 Tuesday Jun 2009

Posted by IfByYes in The House Saga, We Are Family

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Tags

house, mortgage, parents

Okay, so the seller counter-offered… they won’t go a penny below what we offered, never mind any cash back for renovations. Which means if we want to do renovations, we have to offer MORE money and ask for cash back.

…or we can take the free money my father keeps trying to lend us.

It goes like this:

Me: Dad, we’re going to get a mortgage and buy a house.

Dad: Can you afford it? I can’t help you, you know. We’re in an economic downturn! My stocks have cut in half! I can’t help you! You’re on your own.

Me: That’s fine.

Dad: O_o Really?

Me, to Pefect Husband: He always says stuff like that at first, and then when I don’t actually ask for anything, he starts offering more and more.

Perfect Husband: We can do this without help anyway. We have enough of a down payment.

*time passes*

Dad: Okay, I can lend you a little money. Like, I could help with the down payment and closing fees a little. Like, a couple thousand or something.

Me: We have a down payment, Dad, it’s fine. Depending on how big our mortgage ends up being, the money for the lawyers fees might be helpful. But that’s it.

*time passes*

Dad: I want to give you money to help you out.

Me: It’s fine, Dad. We have the downpayment. If you can help with the closing costs, that would help our cash flow, but that’s about it.

Dad: But… I want to give you money! Let me talk to your husband.

Me: I don’t think he’d be comfortable taking a lot of money from you, but here he is.

Dad: Let me give you money. I want to help.

Perfect Husband: Thanks, but we’re mostly ok. I said I would take care of your daughter, I don’t want to ask you for anything.

Dad: But… but… I can give you some money!

*today*

Me: They won’t go a penny less than 215. We’re going to have to increase our mortgage amount if we want to put in new flooring and paint.

Dad: I can give you 10,000 dollars. Please let me give you 10,000 dollars. Really, I won’t miss it. Will your husband accept 10,000 dollars? He can pay it back if he wants, but I don’t need it back.

Me: I don’t know… we can always live with bad linoleum and berber carpeting for a while.

Dad: 10,000 dollars! I has it!

Me: Well… you’ll have to walk to Pefect Husband. His pride’s on the line.

Dad: I respect him even more now! Let me give you lots of money!

So I’m going to have him talk to Perfect Husband tonight. Do we save our pride, and get a higher mortgage, or do we take the gift?

Hi, I’m your new landlady. Now get out.

29 Monday Jun 2009

Posted by IfByYes in The House Saga

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house

Okay, we made an offer today on the place that needs the renos.  Let’s hope they take our offer. Cross your fingers that no one else makes another offer in the next 24 hours! It’s been on the market for a year. I’ll be ticked off if now is the time that everyone decides to make offers on it.

The big catch is that this place has tenants. So if the offer is accepted, and we remove the subjects without any problems, then our first official act as this family’s new landlords will be to serve them with 60 days notice. From our tour through the place, it looks like two children and a baby live there, with one or maybe two adults.

How lucky I will be, if I get to be the one to kick them out of their home.

If this place doesn’t pan out, we’re going to have to start looking at either one levels, or two bedrooms (which, by the way, are really weirdly shaped in this complex) or… *shudder* condos.

New Plan.

28 Sunday Jun 2009

Posted by IfByYes in Polls, The House Saga

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house, mortgage, Polls

Okay, so, now we’re planning on making an offer on another unit in the complex. This one has sat on the market for a year, probably because their tenants understandably make no effort to pretty the place up when you come to view the home, plus there is a hole in the wall and the lino in the kitchen looks like it comes from the days of the pyramids (those egyptians were famous for their advanced working in vinyl).

We figure that if we make a low offer, plus 10,000 which the seller is to return to us upon the mortgage going through (kind of a cash-back arrangement), we will be able to use that extra money to renovate a bit. Put in some laminate flooring, new linoleum, paint, replace the washer/dryer and so on.

Let’s hope THIS place doesn’t get popular too. At least it has a yard. It’s a bizarre, five feet above the ground outside kind of a yard, and slanty, but it’s a yard.

No house for you, the revenge.

27 Saturday Jun 2009

Posted by IfByYes in The House Saga

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carbs wonderful carbs, house, life

So, after sitting on the market for 60 days, this place suddenly became popular. Someone else put in an offer too. Of course, we didn’t know what the offer was, so we upped ours to our maximum, just in case. Theirs must still have been better, because the seller went with the other offer.

Back to the drawing board!

Luckily my Perfect Husband has been feeding me almost non-stop carbs to alleviate my stress (and consequently his) and I’m disappointed, but philosophical about it.

In Which I Face the Crazy

27 Saturday Jun 2009

Posted by IfByYes in Me vs The Sad, The House Saga

≈ 4 Comments

Tags

depression, doctor, house, Perfect Husband, realtor, tears, whining

So, there’s a story which begins in a townhouse almost identical to the one we lost, and ends with me feeling sad in a paper gown.

It goes like this.

We went to see a couple more units in the same complex. Our realtor, perhaps feeling it wise not to show his face, sent his daughter (my coworker’s sister, who looks just like my coworker, except completely different) in his place. We liked her a lot, actually. The first unit she took us through was a hole compared to the Great Lost House. It had damaged drywall behind the front door, ancient and grimy linoleum, carpeting instead of wood flooring, and some truly distasteful back splash in the kitchen, featuring blue flowers. There are renters living there, which shows in the care they took to leave the house looking as un-presentable as possible. I also enjoyed the plaster cast of a pregnant torso in the baby’s room, featuring an outie belly button and lopsided breasts. Remind me not to do that, when I’m pregnant.

The next place was newly renovated, with a stove and fridge that were so new that their plastic was still on their handles, and their instruction manuals/warranties were still inside of them. New laminate flooring, too. Exact same layout as the Lost Place. Except… where the other place had had a tiny yard, this had a big wooden deck. And no crown molding, of course.

When we first saw the Lost Place, it had seemed like a wonderland. Given our budget, and the ridiculous cost of housing out here, our hopes had mostly extended towards a two bedroom one level place. Suddenly there was this three bedroom place, with two stories, and a yard, and it was in our price range.

Well, this place had the second story that I had coveted so highly. It had the lovely laminate flooring (actually, it was a nicer colour, too. Richer, not quite so Ikea). In fact, it had more laminate flooring, because the old place had carpet upstairs. This house had laminate upstairs too, except in one of the bedrooms – already painted blue, which is what I would want to paint a baby’s room some day.

Could I see or appreciate any of this? Nope!

All I could see was the absent crown molding, and worst of all, the missing yard. To someone who has a very beloved dog, and an endless procession of mouth-breathing, retrieving houseguests, a yard becomes a precious thing. I felt that our realtor had robbed us of our yard. Now we would have to take this stinky second choice, and I would be miserable forever, with no yard for the dogs. Miserable forever. All because of this one mistake. Couldn’t we just rewind? Why couldn’t we rewind?

“Well, I have no problem with this place,” said Perfect Husband to me, as we looked out the master bedroom window at the creepy, dark-windowed little child’s playhouse in the courtyard below.

“Don’t you?” I responded grimly.

“…Was that the wrong thing to say?” he asked.

“…No…” I said, “We’ll probably have to take this one anyway, so we might as well like it.”

But I couldn’t. I was fighting tears as we thanked Realtor Jr. I didn’t want Perfect Husband to know that I was reacting like a spoiled brat. However, when we stopped for groceries and I went to use the bathroom and came out with my face red as a tomato from a short bawling session, he gave me a resigned hug. I was still trying to put on a brave face, so I pulled away after a while, gave him a watery smile, and we went back to shopping.

We drove home in silence.

When we got in, he took the dog for a walk and I bawled heavily over my computer keyboard. When he came back in I smothered it. He could tell that I had been at it again, and his lips tightened as he fought between the conflicting emotions of wanting to kill Realtor Senior for making his beloved wife cry, and wanting to kill the beloved wife for being such a brat. He delivered irritable hugs, and I let him go lie on the bed while I retreated to the den. There it all became to overwhelming to be bearable, and I curled up on the floor, sobbing into the carpet and writhing in physical pain. Feeling like my heart was in a vice, I felt that I couldn’t bear the pain of losing the Lost Place. It just had to be undone, someone had to fix it, because I couldn’t handle reality as it was now, I just couldn’t.

After much sobbing into the carpet (hoping to muffle the sound), gnashing of teeth, rending of garments etc, I became aware of Perfect Husband’s presence. Turns out my vague attempts at muffling had been less than successful.

“I need to know why this bothers you so much,” he said. No doubt part of him was wondering what kind of tantruming child he had married – it must have been less than sexy to find me on the floor wailing like a frustrated two year old.

And it all came pouring out – how it hurts so much all the time, all the little sadnesses that weigh on me, and I feel like my friends don’t care anymore or listen to my problems any more, and my job is going nowhere, and I can’t seem to lose weight and how this had somehow just made everything too much… too much.

“Oh, well, if it’s just depression, that’s ok,” he said with obvious relief. Clearly he feels much more comfortable with craziness than with mere selfishness. Now reassured that I was simply a sad person pushed over the edge, instead of a spoiled brat throwing a tantrum, he held me tight while I sobbed and blew snot all over his shirt.

“It’s not depression,” I said, after the hyperventilating and uncontrollable wails had mostly drained out of me. “I’m just depressed these days.” I was aware that my argument was weak. But since I have had bouts of depressed mood my whole life (all the time in winter, and off and on when it’s not winter…) where I feel sad/near tears all the time, general hopelessness and so on, this feels fairly normal to me.  I have never wanted to actually kill myself or anything like that. Then he gave me a big lecture about how you don’t need to be suicidal for it to count for depression, and pointed out that this kind of depression is actually much more treatable than the other kind. “Psychiatrists love people like you,” he said, “they can fix you.”

I had a doctor’s appointment the next morning, to get my usual invasive probe… I mean PAP… and general yearly physical. We were supposed to be talking about me maybe having a baby sometime in the next year. I thought she might want to do a chicken pox titre on me or something. Perfect Husband made me promise to mention the depression to her.

After forty minutes in a waiting room, I was weighed (why does the doctor’s scale weigh me in at a good nine pounds more than my own scale/wii fit? Do you think they do that on purpose to demoralize you?) and then told to get naked and put on the embarrassing paper gown. Then I sat there for over half an hour, naked under my sad little paper gown, waiting for the doctor. My eyes were still swollen from the night before. I tried to remember everything I wanted to ask her about – my itchy ear, the pus blisters I keep getting on my toes, my family history of diabetes, the difficulty my mother had in conceiving me, the persistant irrational sadness… When she did come in, it was with rushed but sincere apologies.

She prodded my abdomen, inserted speculums, poked breasts and took blood pressure while muttering to me about folic acid. I told her what Perfect Husband had made me promise to tell her, and she seemed concerned but too busy to do anything about it. She suggested that I either go to the drop in mental health centre for a referral, or rebook another appointment with her.

“But I’m moving practices next week, so if you can’t make it for Tuesday…”

After a couple of “dears” and empty reassurances she hurried out before I could ask her about chicken pox titres, itchy extremities or anything else.

So, to sum up, I am accepting of the fact that I shouldn’t be this sad, but I still don’t know what to do about it. Self-medicating with chocolate last night helped, though, and we’ve made an offer on the otherwise perfectly fine place. Perfect Husband likes the deck better anyway, and pointed out that if we used some postage-stamp sized yard as a dog toilet area, it would hardly be a nice place for friends to come for a BBQ, or for a baby to play in.

He’s right, of course. He always is.

To sell your soul, please initial here, here, here, here, here, here, and here.

26 Friday Jun 2009

Posted by IfByYes in I'm Sure This Happens To Everyone..., Me vs The Sad, The House Saga

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depression, house, life, mortgage, realtor

We just signed an offer on a place.

… yikes.

In other news, my Perfect Husband wants me to see someone about depression. Apparently, being sad most of the time and then experiencing several hours of uncontrollable, wracking sobs with very little provocation isn’t normal. Who knew?

More on that later.

Thanks… I think.

23 Tuesday Jun 2009

Posted by IfByYes in Life's Little Moments, We Are Family

≈ 9 Comments

Tags

anniversary, father-in-law, life, parents, quotes

In an anniversary card from my Father-In-Law (which, by the way, was actually a birthday card that had been altered in the salient places with white-out and a ballpoint pen):

“…I don’t get excited about anniversaries until they hit the ten year mark…. but I am cautiously optimistic that you two will continue to work hard to be caring to each other, and kind to the world.”

Uh… Thanks?

My own parents, by contrast, sent us a touchingly sweet card and two hundred and fifty dollars in cheque form (“since the first anniversary is usually paper…”)

Perfect Husband, to me:

“…Want to trade parents?”

You owe me some crown moldings, Mr. Realtor

23 Tuesday Jun 2009

Posted by IfByYes in Me vs The Sad, The House Saga

≈ 5 Comments

Tags

house, realtor, whining

No word from the realtor yet about the house viewings that he’s supposed to be setting up for tomorrow. I looked at pictures of the units online. One has a nicer kitchen than the house we lost, but neither of them have nice new crown moldings that the Lost House had.

I want my crown moldings back!

See, this is where my only-child comes out. When you’re an only child, you don’t get disappointed much. My parents didn’t give me everything I wanted, but they did keep their promises. I didn’t have siblings to compete with, or to bully me. No one ever stole my candy, or made me share my new toys. So when something is yanked away from me, I blink in disbelief. It isn’t part of my emotional schema that something can be within my grasp, and then taken away from me, and not be recoverable.

So here I am, getting ever closer to age thirty, and I still want to throw a tantrum.

I want my nice house with the crown moldings baaa-aaack! Make him give it baa-aack!

…Or at least, make him call with an appointment to see a house that is just as nicely renovated.

No house for you! You come back, one month!

22 Monday Jun 2009

Posted by IfByYes in The House Saga, Well, That's Just Stupid

≈ 2 Comments

Tags

house, moving, realtor

So, we’re trying to buy a house (well, we live in the city and houses start at over $400,000, so really we’re trying to buy a townhouse) while the housing market is still down and we can actually afford one. We got pre-approved for a mortgage and everything. We went to view a house a couple weeks ago with our realtor, who is my coworker’s father and therefore had to be hired lest things become uncomfortable in the workplace. We really liked the place we saw, but there were a couple of things we wanted to find out, like the electric bill costs and such, before we could make an offer. The realtor said he could dig that up no problem.

…

Last week, Perfect Husband called the realtor and left a “What up, yo?” voice mail message. Still nothing. He called again this evening when he got home from work, and… the place sold last week, apparently. Which means we won’t be able to close a sale this month, since this month is almost over and we have no other prospects, which means that we won’t be able to give our landlord a month’s notice in time to move out for August, which means we’ll have to live here an extra month at least. Our rent goes up August first.

We’re meeting with the realtor on Wednesday to see some more units in that complex, but I’m pouty because I had already developed a relationship with that unit. It was newly renovated and lovely, and it had three bedrooms. Three! Two floors, three bedrooms, all new floors and walls… We could raise a family there. I showed videos of it to my mother and I’m all emotionally attached to it, since I’ve been picturing that place as my future home for the past two and a half weeks. I don’t want to see the other stinky poo units, which probably aren’t renovated or anything. I want him to get back that one. Perfect Husband says from the sounds of it, the sale was highly conditional, and we probably could have snuck in with a better offer if we had just gotten a call from the damn realtor!

Since when do we have to convince a realtor to sell us a house?

I always knew I was a pain in the ass.

22 Monday Jun 2009

Posted by IfByYes in Perfect Husband

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anniversary, horses, Perfect Husband

Yesterday was our first anniversary as husband and wife. It doesn’t feel like a whole year has gone by, so it sort of sneaked up me. Of course, being the useless spouse that I am, I utterly failed at finding any kind of meaningful gift… which resulted my not having any gift. So I wrote him a love letter, and opened up the page in my diary from the day of the wedding (Perfect Husband and I have an agreement that he can read my diary entries after they are at least one year old) and left both on his computer chair. I knew he’d go to his computer first thing when he got up. He always does. I also loaded up Open Office on his computer and wrote Happy Anniversary, and a promise that he would get lucky, on the screen in big  red letters.

He, on the other hand, took me on a two hour long horseback trail ride up in the mountains. He had never been on a horse before and has always steadfastly refused to try, citing a belief that he would somehow break the horse. I rode English a lot when I was a kid, but I haven’t been on a horse in years. I talk a lot about wanting to ride again, and planning to own a Clydesdale when I’m filthy rich. So this was his gift to me – by getting on the back of a large, strange animal, and clinging to it for two whole hours while I grinned like a loon, he demonstrated his love for me… and somehow did it all in good humour.

It probably didn’t help him that I kept kicking my own horse into a trot, which made his massive plodding steed follow suit. By the time the ride was over, he was moaning and massaging his legs. He took three muscle relaxants when we got home. I was sore too, but my horse hadn’t been as wide as his.

So basically, for his first anniversary, Perfect Husband ended up with no gifts, a long car ride, two long hours straddling a massive beast while it jostled him around, and pain in his lower extremities… all for the love of me.

When we got home we popped some champagne and toasted our first year as a married couple, then feasted on carbs together.It was a really nice anniversary. Well, for me, anyway.  Perfect Husband, on the other hand, is worried that he might have pulled his groin.

His birthday’s next month. I’ll definitely do better then. Besides, we have, like, 49 more of these things to go. Or, if you listen to him, 46 because apparently he doesn’t plan on living past age 80, lest he risk outliving me. Ha. We’ll see about that.

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