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Archive for December, 2006

December 29th 2006

Homeowner

mia

Posted by david at 4:13 pm | Permalink |
Filed under Personal

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December 28th 2006

Happy 2008

Apparently we are skipping 2007 in Florida. It caught me by surprise so I paused the news broadcast and snapped a picture.

skipping new year

Posted by david at 12:44 pm | Permalink |
Filed under Observations

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December 25th 2006

James Brown

Posted by david at 8:56 am | Permalink |
Filed under Entertainment

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December 23rd 2006

Winter sucks

But not for me!

It’s Christmas time, it’s 80 degrees outside, I’m wearing shorts and t-shirt, walking among palm trees, listening to Christmas music. In the meanwhile, there’s Colorado and half the midwest buried in snow. In the words of Nelson, HA HA!

It’s so nice to know that I won’t have to deal with crap like this any more.

Posted by david at 2:23 pm | Permalink |
Filed under Personal

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December 19th 2006

It’s a good day after all

Lots of good news to report today!

- My laptop is ready for pick up after 3 weeks at the Apple Store for repair.
- I got Allstate to write a homeowners policy including flood insurance (the house is not in a flood area but if a hurricane were to take the roof, the water damage would only be fixed through flood insurance.)
- The owner fixed the AC and paid for it! Apparently the fan motor in the compressor was broken. They also put extra freon in it. So it looks like I’m all ready for closing on Dec 29th.
- The house was appraised at a value higher than I’m paying for it so in a weird way I’ve already “made” $8,000 out of the house that I don’t really own yet.

UPDATE: Not only did they fix my laptop, but they gave me the latest chip, a core duo processor as opposed to the single core processor that came with it when I bought it. Yay Apple!

Posted by david at 5:06 pm | Permalink |
Filed under Personal

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December 18th 2006

Craziness

Buying a house is no easy work. Now I’m trying to get home insurance quotes. Except that most companies do not like doing business in Floriday. Not even Orlando even though we are not on the coast. Others don’t like it if a house has been built before 2002.

The ones that will talk to me want to know things such as the type of foundation the house has. How in the world should I know that? So now I have an email out to my home inspector to see if he knows.

Then other things such as “is there a fire station 5 miles from the house?” so I had to call the fire department. “Is there a fire hydrant 1000 feet from the house?” The fire department won’t tell me, they say that they insurance company needs to buy a book from them with that information.

This is just crazy. I can’t wait for this to be over.

Posted by david at 3:28 pm | Permalink |
Filed under Personal

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Mortgage approved

I just got a phone call from the mortgage company. They’ve approved my mortgage. It’s scary to think that someone is giving me that much money, close to a quarter of a million dollars. Ouch.

Of course I may not go through with closing anyway if the seller refuses to fix the problems with the HVAC system.

Posted by david at 12:43 pm | Permalink |
Filed under Personal

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December 14th 2006

Seller disclosures

I’m very upset with the seller of the house I’m hoping to buy. Before I put in an offer for the house, I received the seller’s disclosures which consist of several pages where the seller lists anything that he knows is wrong with the house. The report was perfect. Not a single thing.

So I hired a home inspector and he spent over 2.5 hours around the house this morning with me. Everything was going great. No problems with the roof, electric, plumbing, floors, no termite damage, no signs of mold, nothing.

And then it hit us, we had turned the heater on and the house didn’t feel any warmer. Then we tried to set it to cold and the house would cool. We went outside and sure enough, the AC system doesn’t seem to be working.

Now, I’m sure the seller was aware of this and yet he never disclosed it. In my books that is fraud.

So what’s the next step? I’m not signing anything until that is fixed. It is a major system for a house. Specially down here in Florida.

I talked to my agent and I guess they are sending an AC tech to see what the problem maybe. Maybe it’s a simple fix like a wire that came loose, or a fuse, or maybe the whole system needs to be replaced. But either way I’m not doing anything until that’s taken care of.

UPDATE (12/15/06) - The seller has agreed to send a technician to check the system and see what’s going on. Now it’s wait and see.

UPDATE #2 - The tech will stop by on Tuesday.

Posted by david at 2:26 pm | Permalink |
Filed under Personal

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December 10th 2006

Accepted

The seller accepted my counter offer to his counter offer! The house is mine, pending final mortgage approval of course.

house

It’s a 3 bedroom, 2 bathroom house. The master bath has one of those nice oval-shaped bathtubs, it has a front yard and backyard both with a big tree and hanging from each tree is a nice wooden double swing. The yard is not huge but big enough that in the future I could add a pool. Now all of you have a free place to stay when you come on vacation to Disney World.

Posted by david at 1:27 pm | Permalink |
Filed under Personal

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December 9th 2006

Counter offer!

Holy crap! The seller is almost ready to accept my offer but he had a counter offer (of course!) He is almost OK with him covering the closing costs…. minus $1000. So I countered his counter offer with closing costs minus $500.

This is like when I was haggling in China. Except that I want to buy a house instead of a wooden replica of Mao Tse Tung.

Posted by david at 2:40 pm | Permalink |
Filed under Personal

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