When does it get better? I'm really working through what I believe in light of my present situation. I've tried very hard through all the years of tumors, bad news, dangerous operations, fevers, nights in various ER's around the country, hundreds of CT scans, PET scans, hours waiting alone in halls while surgical procedures were tried, I've tried when my profession has been destroyed by government idiots who create this system where do nothing management companies take 1/3 to 1/2 of an already inadequate fee, tried to hold it together, tried to hold off bitterness, I have tried to keep the faith but I'm very tired of the battle tonight. Another day with everything but payments in the mail, another day of phone calls from people wanting their money. I've made so much progress, the card that we used for the medical trips, hotels, meds and rental cars was $40K when Nan died. It is now $25,700 and that is real progress.
Meanwhile I'm blessed with a steady flow of new work and in spite of how I felt this morning, nothing in me was in a mind to set down and start cranking out appraisal work. I felt bad, my chest was tight, my blood sugar was very high. A lot of the time I just want to hit something, to lash out but of course since there is no one in my life I don't have to lash out at them.
As the day progressed I started to get conditions in, that is where someone in the loan chain of people wants something changed or modified in the original report. After three of those in a row I sat wondering, what could happen next? In spite of the negative vibes I just kept plugging on the work and eventually I had the pleasure of sending out an appraisal. Then I set to work on the next one and went ahead and set up a 6 pm appointment in Stockton, you remember the expression, change is a vacation. So I took a mini vacation driving to Stockton over the lovely levee road and arriving on time at a very nice home with a young pastor and his family in residence. They had purchased the home when it was only one year old. However it was trashed, no interior doors, all carpet and vinyl was destroyed, walls in desperate need of paint, light fixtures all gone, bathroom vanity gone and so they purchased the home and began to fix it up. Now it is perfect with new yards, new paint, new floor coverings and its great. They are so proud of it. The bad news is, since they purchase a couple years ago values have dropped and I don't know what the numbers will be when I finish the report. This is one where my pastoral heart has to compete with the hard cold facts, I can't let my feelings get in the way of an honest appraisal. For me its a real challenge. Now Nan had no such problem. She found it very easy to just put emotions aside and do her work. I admired her for it but I can't turn off my heart in situations like this.
This afternoon in the course of conversation with an underwriter who works in Texas for MetLife he happened to mention that it would be good for me to get on their approved list of appraisers as they were becoming the number one provider of Reverse mortgages since Bof A is quitting and also Well Fargo is backing out on doing them. He was kind enough to send me an email with the specs I need to apply, you can bet I will apply. If I could land a solid busy lender it would help everything a lot. I've had them in the past and they are great, a steady stream of work, you know what wording they want to have included, you become a part of a team. So that was a spot of hope in a bleak day.
Ray came to visit for awhile today and that was good to discuss life in general with him. He and Lois keep a pretty close eye on me to make sure I'm still breathing in the mornings. It feels nice to have someone nearby like that. And speaking of neighbors I'm anxious to get back into a walking routine with Ken but right now he is Mr Cornfest, a huge Brentwood event that is coming up soon. So He is pretty busy right now.
So I'm signing off now and going straight to bed.
Love to all,
Tim
Thursday, June 30, 2011
Adna Nelson, Nan's mom has passed away at 93 years old.
Did you have the cool blustery day where you live? I woke to chilly air whisking through my room, I snuggled in but Starr said, enough freezing, lets get up. So battling the inner battle over do I exercise or not I just put on the tennis shoes and jumped on the tred mill. 30 minutes later the day looked brighter and the blood was coursing through my veins.
At 9 am I was on the door step ready to deliver the appraisal that I had written last night. She handed me a check and the day looked a bit brighter. Of course the checks are never enough but they sure are better than nothing which is what has come in the mail for the past two weeks. Its the driest spell I've ever had.
At noon I arrived at a nice home in Danville. The great part of my job is I'm meeting new people nearly every day and they are almost always pleasant and interesting people. Especially for reverse mortgages which usually involve older people I try to listen, to be extra kind and try my best to exude a positive approach to their home. Today was no exception. The owner was spry and helpful as we located the crawl space beneath her house and then I squeezed into the attic through a closet full of a young girls things. Once the home was inspected I needed food, my blood sugar was dipping a bit so I ask the GPS for lunch, it served up Burger King where I had the vegeburger and side salad. Nice lunch for $6.
Dana reached me in the late afternoon to tell me Nan's mom had passed away. She had been pretty much out of it for a couple years and had stopped eating. While I wish I could hop a plane and attend the services at the moment that is impossible.
I started this chapter in the blog last night but as I was writing the system failed. I spent an hour last night trying to make it work. It just started working now at 8:30 this morning so I can get this out. Sorry for those who wait up or read early, I was stuck.
Got to say I'm not feeling well this morning, not sure what is up but even with breakfast on board I still feel pretty rough. could it be the phone calls looking for money or is it more? Time will tell.
Sending love to all,
Tim
At 9 am I was on the door step ready to deliver the appraisal that I had written last night. She handed me a check and the day looked a bit brighter. Of course the checks are never enough but they sure are better than nothing which is what has come in the mail for the past two weeks. Its the driest spell I've ever had.
At noon I arrived at a nice home in Danville. The great part of my job is I'm meeting new people nearly every day and they are almost always pleasant and interesting people. Especially for reverse mortgages which usually involve older people I try to listen, to be extra kind and try my best to exude a positive approach to their home. Today was no exception. The owner was spry and helpful as we located the crawl space beneath her house and then I squeezed into the attic through a closet full of a young girls things. Once the home was inspected I needed food, my blood sugar was dipping a bit so I ask the GPS for lunch, it served up Burger King where I had the vegeburger and side salad. Nice lunch for $6.
Dana reached me in the late afternoon to tell me Nan's mom had passed away. She had been pretty much out of it for a couple years and had stopped eating. While I wish I could hop a plane and attend the services at the moment that is impossible.
I started this chapter in the blog last night but as I was writing the system failed. I spent an hour last night trying to make it work. It just started working now at 8:30 this morning so I can get this out. Sorry for those who wait up or read early, I was stuck.
Got to say I'm not feeling well this morning, not sure what is up but even with breakfast on board I still feel pretty rough. could it be the phone calls looking for money or is it more? Time will tell.
Sending love to all,
Tim
Tuesday, June 28, 2011
And some rain did fall.
Oh yes, it decided to really fall just as I arrived at a home in Rio Vista, a little community by the river with a couple subdivisions and many other homes. I was seeing a two story home that had been updated after a foreclosure. It was perfect inside and empty which let me do the measuring on the inside instead of in the downpour outside. Then the thunder and lightning began to hit too, soon the streets were full of running and standing water, sort of fun to experience, one tends to move faster when that happens.
Earlier I had reinspected a home that I had seen last fall. Now there are interested parties and they hired me to do a fresh appraisal of the property. I've just completed it and emailed it to the potential buyers, printed a couple copies and that's it for the day. Of course the color printer needed a new transfer belt, that is an interesting process but its done now. Of course now it says it needs a drum and that costs an arm and leg too. Can I ever catch up?
Again the mail came with bills, fliers, trash but NO money. I know it will come as I've done the work and what lender would not want to quickly pay the appraiser for completed work?
Good night to all,
Tim
Earlier I had reinspected a home that I had seen last fall. Now there are interested parties and they hired me to do a fresh appraisal of the property. I've just completed it and emailed it to the potential buyers, printed a couple copies and that's it for the day. Of course the color printer needed a new transfer belt, that is an interesting process but its done now. Of course now it says it needs a drum and that costs an arm and leg too. Can I ever catch up?
Again the mail came with bills, fliers, trash but NO money. I know it will come as I've done the work and what lender would not want to quickly pay the appraiser for completed work?
Good night to all,
Tim
Monday, June 27, 2011
Jury Duty completed!
Dear Fellow Struggler on the road of life,
As you know I was up very late last night completing the appraisals so it was with some difficulty that I rose this morning. Starr looked at me as if to say, we just go to the bed and now we are up, why?
The promised abundant parking surrounding the new court house was a lie, I ended up parking a long ways away and walking quickly to the security system where a very funny guy helped us get through. About 65 of us appeared as directed and after about an hour we had our first talk by a judge, rah rah, you wonderful citizens etc and now sit down and wait. Awhile later a second judge came to talk to us and told us all the cases but one had been settled in one manner or another. That one could keep us hanging and we might have to come back Tuesday morning at 9. We were to call in this evening.
Mid morning an order came in via text message, I jumped on it and got it, then called and found out the condo was empty, located in Rossmoor, a retirement area of Walnut Creek and that I could use my special key. So once we were released for the day about 11:30 I went to nearby Olive Garden and had salad. Then home to research and then back to Walnut Creek to do the job. I had a pleasant time with the weather cooling as I measured and shot photos. It had so many angles to the walls that on first sight you just moan but then you start with all the straight walls and make the others fit. After shooting the comps I decided on Red Robin and had a garden burger on wheat bun, side salad and water. Only $8 bucks and it was perfect food.
Now I'm home and am enjoying the rapidly cooling evening with winds that blow all the hot air out of the house. While I was eating I called the court number and learned to my utter delight that we were all released and would not be bothered again for a full year. Yea!
Of course the mail box brought no money again today, that was a low point for the day, there are a growing number of things that must be paid if I'm to stay in business not even considering that another house payment is due. I'm sure ready for that miracle!
This afternoon another order came in, this one with a larger fee than most and in nearby Rio Vista. I've reached out via email to the agent to see if I can see it tomorrow and I'll write up the one I inspected today so in spite of no money I'm doing every thing I can to generate future income.
Mingling with the 65 potential jurors was interesting, it was fun to break the ice with a smile and some little comment and then have people open up to talk, to complain or to just pass the time. One lady was a wiz with iphones and showed me how to tether the iphone to a computer instead of using an expensive internet provider. She also showed me things about facebook but I sort of got lost there.
So all in all it was a very good day and I'm thankful for having had a chance to live it.
I'm also thankful that Jason and family got home safely last night about 11:30 and brought cousin Clayton back with them to visit. Julie is in asia with her father who is ailing.
Sending love to all,
Tim
As you know I was up very late last night completing the appraisals so it was with some difficulty that I rose this morning. Starr looked at me as if to say, we just go to the bed and now we are up, why?
The promised abundant parking surrounding the new court house was a lie, I ended up parking a long ways away and walking quickly to the security system where a very funny guy helped us get through. About 65 of us appeared as directed and after about an hour we had our first talk by a judge, rah rah, you wonderful citizens etc and now sit down and wait. Awhile later a second judge came to talk to us and told us all the cases but one had been settled in one manner or another. That one could keep us hanging and we might have to come back Tuesday morning at 9. We were to call in this evening.
Mid morning an order came in via text message, I jumped on it and got it, then called and found out the condo was empty, located in Rossmoor, a retirement area of Walnut Creek and that I could use my special key. So once we were released for the day about 11:30 I went to nearby Olive Garden and had salad. Then home to research and then back to Walnut Creek to do the job. I had a pleasant time with the weather cooling as I measured and shot photos. It had so many angles to the walls that on first sight you just moan but then you start with all the straight walls and make the others fit. After shooting the comps I decided on Red Robin and had a garden burger on wheat bun, side salad and water. Only $8 bucks and it was perfect food.
Now I'm home and am enjoying the rapidly cooling evening with winds that blow all the hot air out of the house. While I was eating I called the court number and learned to my utter delight that we were all released and would not be bothered again for a full year. Yea!
Of course the mail box brought no money again today, that was a low point for the day, there are a growing number of things that must be paid if I'm to stay in business not even considering that another house payment is due. I'm sure ready for that miracle!
This afternoon another order came in, this one with a larger fee than most and in nearby Rio Vista. I've reached out via email to the agent to see if I can see it tomorrow and I'll write up the one I inspected today so in spite of no money I'm doing every thing I can to generate future income.
Mingling with the 65 potential jurors was interesting, it was fun to break the ice with a smile and some little comment and then have people open up to talk, to complain or to just pass the time. One lady was a wiz with iphones and showed me how to tether the iphone to a computer instead of using an expensive internet provider. She also showed me things about facebook but I sort of got lost there.
So all in all it was a very good day and I'm thankful for having had a chance to live it.
I'm also thankful that Jason and family got home safely last night about 11:30 and brought cousin Clayton back with them to visit. Julie is in asia with her father who is ailing.
Sending love to all,
Tim
Sunday, June 26, 2011
Long day
Good evening
Its 11:50 and I've just completed the second appraisal and am heading to bed. Tomorrow I have wonderful jury duty, yea, so fun and I'm a great citizen I guess because I'm going to go this time.
Kallie was wonderful last night and this morning, she helped with making breakfast pouring the milk and finding a fork for me to use. I took her back about 9:40 and then left shortly thereafter for Gilroy. It was a pleasant trip with a good book keeping my mind busy. The house was at the top of a hill and had a pebbletec pool sort of in the driveway, very strange place for it. When I got there no one was home, the agent had promised, oh well. I measured the outside and went to shoot comparables which took a couple hours. When I came back the property was crawling with cute kids and a very cute mother, a real beauty and she was so sweet. In spite of the fact that noone had contacted her about my coming she let me do my job.
Then it was time to drive back home which I did arriving at about 5. I set to work on the two appraisals that had to be done by tomorrow and now I'm completed with them. Perhaps this means that someday money will come in the mailbox again, I certainly hope so.
Well good night, its been a very productive day and I so enjoyed helping with Kallie, she was a delight. She gave as much as I gave her, with her smiles, her ideas, her words and her helping. Very precious memories.
Love to all
Tim
Its 11:50 and I've just completed the second appraisal and am heading to bed. Tomorrow I have wonderful jury duty, yea, so fun and I'm a great citizen I guess because I'm going to go this time.
Kallie was wonderful last night and this morning, she helped with making breakfast pouring the milk and finding a fork for me to use. I took her back about 9:40 and then left shortly thereafter for Gilroy. It was a pleasant trip with a good book keeping my mind busy. The house was at the top of a hill and had a pebbletec pool sort of in the driveway, very strange place for it. When I got there no one was home, the agent had promised, oh well. I measured the outside and went to shoot comparables which took a couple hours. When I came back the property was crawling with cute kids and a very cute mother, a real beauty and she was so sweet. In spite of the fact that noone had contacted her about my coming she let me do my job.
Then it was time to drive back home which I did arriving at about 5. I set to work on the two appraisals that had to be done by tomorrow and now I'm completed with them. Perhaps this means that someday money will come in the mailbox again, I certainly hope so.
Well good night, its been a very productive day and I so enjoyed helping with Kallie, she was a delight. She gave as much as I gave her, with her smiles, her ideas, her words and her helping. Very precious memories.
Love to all
Tim
Saturday, June 25, 2011
Sabbath evening
Dear Family and Friends,
Once again I'm in the recliner and resting up after Kallie has gone to her little bed for the night. I picked her up about 6 and we drove home. She changed the landscape of the family room, a room that Sylvia had carefully tidied up when she was here on Thursday, well now its not so tidy. But it looks happy, Kallie plays well by herself, she creates little stories and then plays them through, we have the Barbie Jetplane open ready for passengers, mostly barbies, we have the little doll house, open for business, we have a mat on the floor with pillow, we have the little recliner for kiddos, the duck pond and on it goes. Unwilling to eat I sort of tricked her. I opened a huge new sack of vege straws they sell at CostCo and started munching, pretty soon she decided that she could have a few too and then more and more. Then she asked for milk.
Out of the blue she announced that it was time to go to sleep and we went up, she had me pull the trundle bed out and then did her own changing into her PJs. Now she sleeps in the pink room, a room created for her.
I'm watching Pilgrim's Progress on the hope channel, a very old and interesting cartoon of the classic. Sometimes I feel like I'm living it, all the detours that come up in life, to detract us from following Jesus and His plan, what ever that plan is.
Tomorrow morning I'll drive to Gilroy and inspect a property. I'll also write up a couple reports and then once again I'm caught up, no new orders. However I have the exquisite joy of Jury Duty on Monday. Can you believe it, Jury Duty. So that will waste Monday for sure.
Worship hour was nice today. Our pastor has an excellent way of communicating and her points were on target. Potluck was interesting and it was great to sit with Dick and Ron. They've just come from a week of camping somewhere up in the mountains beyond Reno and had a super time. I would have liked to be there but there is no way I could afford the fuel, the time, being beyond phone range for possible orders. Just could not happen.
Well its time to remake the bed, the sheets are drying and the blanket is washing. There comes a time to do some laundry and this evening Kallie helped me by handing me a hanger for each shirt I took from the dryer. She was thrilled to be able to help and it was nice to have her smiling face enjoying something so ordinary as the laundry. What a kid.
Jason and Jo with family are in a hotel in Salt Lake City tonight and on their way back home. They left Denver today. Of course I'll rest easier when I know my children are all back home safely.
So good night friend, family member, love to all
Tim
Once again I'm in the recliner and resting up after Kallie has gone to her little bed for the night. I picked her up about 6 and we drove home. She changed the landscape of the family room, a room that Sylvia had carefully tidied up when she was here on Thursday, well now its not so tidy. But it looks happy, Kallie plays well by herself, she creates little stories and then plays them through, we have the Barbie Jetplane open ready for passengers, mostly barbies, we have the little doll house, open for business, we have a mat on the floor with pillow, we have the little recliner for kiddos, the duck pond and on it goes. Unwilling to eat I sort of tricked her. I opened a huge new sack of vege straws they sell at CostCo and started munching, pretty soon she decided that she could have a few too and then more and more. Then she asked for milk.
Out of the blue she announced that it was time to go to sleep and we went up, she had me pull the trundle bed out and then did her own changing into her PJs. Now she sleeps in the pink room, a room created for her.
I'm watching Pilgrim's Progress on the hope channel, a very old and interesting cartoon of the classic. Sometimes I feel like I'm living it, all the detours that come up in life, to detract us from following Jesus and His plan, what ever that plan is.
Tomorrow morning I'll drive to Gilroy and inspect a property. I'll also write up a couple reports and then once again I'm caught up, no new orders. However I have the exquisite joy of Jury Duty on Monday. Can you believe it, Jury Duty. So that will waste Monday for sure.
Worship hour was nice today. Our pastor has an excellent way of communicating and her points were on target. Potluck was interesting and it was great to sit with Dick and Ron. They've just come from a week of camping somewhere up in the mountains beyond Reno and had a super time. I would have liked to be there but there is no way I could afford the fuel, the time, being beyond phone range for possible orders. Just could not happen.
Well its time to remake the bed, the sheets are drying and the blanket is washing. There comes a time to do some laundry and this evening Kallie helped me by handing me a hanger for each shirt I took from the dryer. She was thrilled to be able to help and it was nice to have her smiling face enjoying something so ordinary as the laundry. What a kid.
Jason and Jo with family are in a hotel in Salt Lake City tonight and on their way back home. They left Denver today. Of course I'll rest easier when I know my children are all back home safely.
So good night friend, family member, love to all
Tim
Friday, June 24, 2011
Finishing strong
Dear Ones,
11:21, so much for going to bed early. I rolled out early this morning and started doing research. Once I had it ready I headed for Brentwood where I inspected a very nice home with PebbleTec pool, hardwood floors and nice landscaping. $700K home going for $335 or so, its the norm now. I wonder just how much wealth was lost in the past 3 years, amazing amount and lives have been shattered because of it.
Once I was done in Brentwood I turned for Fremont. I'm listening to a great book Lois put on my ipod and that helps the miles pass by easily, that and 50 mpg helps also. In Fremont I had a review to do so I drove the subject and then 8 comparables and found a Burger King, had a vege burger and side salad. Satisfied I headed home and sat down to write up the review. At first it seemed everything was in order, then I started looking deeper and the appraiser had made some huge adjustments that I could not find any reason for. So I started to contact the agents who were involved in the sales he had used and he had just made up some of the numbers without any support. So then it looked like the value was too high but then I plugged the two extra comparables I had shot photos of, I plugged them into the grid and they helped support his original value. But it took hours to prove all of this and of course the fee stayed the same $225. That is to set up the order, do the research drive 2.5 hours round trip, another three hours to write it up and ship it out. Lets just say I'm not likely to get rich any time soon at the current rates.
Emotionally this has been a challenging day, once again no money came in the mail and none fell from heaven. Someone wondered if I expected help, money, from my friends, well the answer is no. My problem is not a short term one but a long term one and friends stay friends longer if they keep finances out of the equation. I've been asking God for a miracle but so far He is not giving me the answer I sought, in fact I don't sense any answer so far but I've come to a place where I get used to it. Sort of feels like God says, you've had your life, you've enjoyed your family, your life with Nan and for now enjoying life is a luxury beyond your reach.
There are two things that fire me up, working, solving appraisal problems and interacting with the kiddos in my life. As I look up my desk is surrounded by photos of the kids, they are such a mood lifter, they go full out and then they sleep, they love, fight and then love again freely and with fervor. This evening Jason and Jo are preparing to start their return trip from Denver and Nikki is home safely with her family. I'll not be taking the girls tomorrow, they are pretty busy with their mom home. I'll have Kallie tomorrow afternoon and evening as Keanna is doing campout with girl scouts and Kallie needs a diversion. That should be a hoot.
This evening after completing the report I took money I'm not sure I have and went grocery shopping. I had a $12 certificate from CostCo and with that I bought a months supply of Soymilk, then at Raleys I found Scallops in a can and at Winco I found cheap groceries. I came home and just tried a whole bunch of things. Now its past bed time.
For those of you who don't have a care in the world I say enjoy it while you can, it may not last forever, in fact I can pretty much assure you it won't. For those of you who like me are sort of wondering what comes next, well its no fun but it means we are still alive.
I want to honor real frienships tonight. I think I've had lots of friends in mylife but few that were really close. During this week I've heard from a couple friends who have been there for 35 years or more. One tends to listen when life long friends say things, especially when they say things that are uncomfortable for you to hear. I'm always better when I listen to my dear friends. I honor dear friends tonight.
Love
tim
11:21, so much for going to bed early. I rolled out early this morning and started doing research. Once I had it ready I headed for Brentwood where I inspected a very nice home with PebbleTec pool, hardwood floors and nice landscaping. $700K home going for $335 or so, its the norm now. I wonder just how much wealth was lost in the past 3 years, amazing amount and lives have been shattered because of it.
Once I was done in Brentwood I turned for Fremont. I'm listening to a great book Lois put on my ipod and that helps the miles pass by easily, that and 50 mpg helps also. In Fremont I had a review to do so I drove the subject and then 8 comparables and found a Burger King, had a vege burger and side salad. Satisfied I headed home and sat down to write up the review. At first it seemed everything was in order, then I started looking deeper and the appraiser had made some huge adjustments that I could not find any reason for. So I started to contact the agents who were involved in the sales he had used and he had just made up some of the numbers without any support. So then it looked like the value was too high but then I plugged the two extra comparables I had shot photos of, I plugged them into the grid and they helped support his original value. But it took hours to prove all of this and of course the fee stayed the same $225. That is to set up the order, do the research drive 2.5 hours round trip, another three hours to write it up and ship it out. Lets just say I'm not likely to get rich any time soon at the current rates.
Emotionally this has been a challenging day, once again no money came in the mail and none fell from heaven. Someone wondered if I expected help, money, from my friends, well the answer is no. My problem is not a short term one but a long term one and friends stay friends longer if they keep finances out of the equation. I've been asking God for a miracle but so far He is not giving me the answer I sought, in fact I don't sense any answer so far but I've come to a place where I get used to it. Sort of feels like God says, you've had your life, you've enjoyed your family, your life with Nan and for now enjoying life is a luxury beyond your reach.
There are two things that fire me up, working, solving appraisal problems and interacting with the kiddos in my life. As I look up my desk is surrounded by photos of the kids, they are such a mood lifter, they go full out and then they sleep, they love, fight and then love again freely and with fervor. This evening Jason and Jo are preparing to start their return trip from Denver and Nikki is home safely with her family. I'll not be taking the girls tomorrow, they are pretty busy with their mom home. I'll have Kallie tomorrow afternoon and evening as Keanna is doing campout with girl scouts and Kallie needs a diversion. That should be a hoot.
This evening after completing the report I took money I'm not sure I have and went grocery shopping. I had a $12 certificate from CostCo and with that I bought a months supply of Soymilk, then at Raleys I found Scallops in a can and at Winco I found cheap groceries. I came home and just tried a whole bunch of things. Now its past bed time.
For those of you who don't have a care in the world I say enjoy it while you can, it may not last forever, in fact I can pretty much assure you it won't. For those of you who like me are sort of wondering what comes next, well its no fun but it means we are still alive.
I want to honor real frienships tonight. I think I've had lots of friends in mylife but few that were really close. During this week I've heard from a couple friends who have been there for 35 years or more. One tends to listen when life long friends say things, especially when they say things that are uncomfortable for you to hear. I'm always better when I listen to my dear friends. I honor dear friends tonight.
Love
tim
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