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Wednesday
Feb032010

Always Be Nice to Your Mother. Always.

In retrospect, I was looking for excuses. If I had just asked Alexis in the first place, the answer would have been a resounding, "YES."

A new semester of dance class started last week. Enrollment for the semester started months ago, but for whatever reason, I kept ignoring it. And ignoring it. And ignoring it. I truly wasn't sure if I wanted to sign her up again or not. Now that I've got my 20/20 Hindsight Goggles on, I know that it was because I wasn't in the mood to keep sitting in that room with those people and feeling those things any more.

Alexis loves the class. She doesn't always participate fully, but the only person who has a problem with that is me. She's totally fine with it. Alexis doesn't care if some of the people watching the class have voices shriller than Dora being shoved through a meat grinder. That's on me, too. Alexis has no qualms about her listening skills sometimes resembling those of a deaf dog. I'm the only one who gets embarrassed about that. It was all me, me, me.

Today I picked her from daycare with the intention of taking her to dance class and signing her up for spring semester. There was just one catch; I had learned that this time the teacher is the one teacher Alexis doesn't like. I couldn't decide if my further hesitation based on that fact was because I was still looking for excuses to not put myself through torture or not. I decided I would just ask Alexis what she wanted to do.

I started with asking her if she wanted to go to dance class. Enthusiasm burst from her mouth so fast I felt like a jerk for ever doubting that I should take her. Then came the moment of truth; I told her the name of the teacher.

Alexis started whining. "I don't want to go to dance class," she wailed. "I don't like that teacher," she continued. "Waaaah, waaaah, waaaaaah."

Hearing Alexis summon the waaaambulance was exactly what I needed. I decided right then and there that enough was enough. It was time that Alexis learned that you don't always get to hang out with people you like. I drug her out the door, stuck her in her car seat, and started in with a lecture.

I told her all about how sometimes there are people in your life you don't like and how you still have to be nice to them because it's the right thing to do. I told her that sometimes you have to listen to people and do what they tell you, even if you would rather run away. I might have slipped in that there will be days when she won't like me, but she had better still listen and be respectful because that is what you do when faced with people you don't like. I added that sometimes you have to be extra, extra, extra nice to people you don't like because it's the best way to make it through a situation.

I was certain she caught almost none of my meaning, but I figured if the only thing she got from it was that you should always be nice to your mother, it was still a success.

Then we got to dance class and this happened:

ZOMG! I created a monster! Not only was Alexis extra nice to the teacher, she even did everything she could to kill her with kindness. She was extra annoying towards the teacher, but always stayed on the side of Good and Nice and all that. And? She had fun doing it. Too much fun.

Tuesday
Feb022010

A Break from the Usual as I Share Our Foreclosure "Secrets"

I have been hesitant to write about the new house as I've been fully expecting it to come crashing down any second now. It's been six months since we moved, and it all still seems a little too good to be true. There's a catch somewhere, and I'm not talking about the water leaking in the basement. There HAS to be a catch and it HAS to be worse than that little aquatic drama.

I say that because, as a lot of people know, we bought this house for well under it's actual value. It was a foreclosure. We paid in excess of $100,000 less than an identical house in a different development sold for around the same time we closed. And, no, that's not a typo. Six figures, baby.

Of course, by "identical" I mean it was identical when it was built three years ago. By the time we went to buy the house, it was in significantly different condition than the other one. SIGNIFICANTLY.

Anyway, this all adds up to people asking us a lot of questions about buying a foreclosure. So, here are some lessons we learned. They may or may not apply to all situations:

1. There is a myth that there are all kinds of super-cheap houses in great condition sitting around. First of all, HAHAHAHAHAHAHAHAHAHAHAHA *gasp* HAHAHAHAHAHAHAHAHAHAHA. There might be in some regions, but it's not the norm. Houses end up foreclosed because people can't afford to live in them. That means they also can't afford to maintain them.

Our house had all kinds of broken stuff and that is why we got it for the price we did. The appraiser happened to show up on the day that it was raining in the family room (because of leaks in the master bath plumbing one story above the family room . . . a LOT of leaks). She also took note of the badly damaged wood floor, the significant amounts of mold in the basement, the dangerous front stairs, the deck to nowhere, scary paint jobs, and all of the holes in the walls. She knocked $100,000 off the value because of all the problems she found.

While we made the repairs for far less than $100,000, we were taking one hell of a risk when we agreed to buy the place. For example, while we were able to clean up the mold with a couple of days work and for less than $200, an estimate put permanent repairs to the problem up over $15,000. It could have worked out that way if the mold had been behind the drywall. We got lucky; it wasn't.

Nearly all foreclosures have the same sorts of issues. It's a risk and all you can do is hire a really good inspector and prepare yourself for the worst.

2. Another lesson I learned through the process is that there is no reason to subscribe to a website that reports to list foreclosures. I tried a few, and never found anything that I couldn't have found on a regular (read: FREE) real estate website (Howard Hanna is my favorite).

The "catch" is that if you are brave enough to be looking at pre-foreclosures, those sites can be very helpful. A "pre-foreclosure" is a house that has a foreclosure pending--one way out of the situation is for the homeowner to sell the house for enough money to cover the outstanding loan. We weren't willing to deal directly with a homeowner and preferred to let a real estate company make a little profit.

Basically, foreclosures are included in MLS listings just like any other house. A Realtor can see that a house is bank (or company)-owned, but it really doesn't matter. I just searched based on price, with a special eye out for houses that seemed like they might be priced a little aggressively.

FYI--foreclosures frequently have very little information available online. I *think* Realtors who specialize in representing banks make less on those bank-owned properties than they do privately-owned ones because they clearly spend less time marketing the houses. There are fewer photos (if any) and information is usually incomplete online. For example, there were only three photos of this house online, and two of them were really bad photos of the kitchen. Nearly every description field in the listing was blank. We looked at the house anyway (because of the price and our familiarity with the neighborhood) and were FLOORED when we saw the place. If the bank's Realtor had tried even a little to market the place, there would have been a bidding war and the house would have sold for a lot more money.

3. If it can go wrong, it will because the bank really doesn't care if they sell the place. We seriously didn't know if we were going to have a house two days before we closed. There were some issues with the bank lying on a disclosure. We knew they had lied, they admitted they had lied, everybody knew it was illegal, but we were left to either ignore it or find another house. The bank wasn't going to budge on price at that point because they really didn't care if they sold the place or not. If it had been privately owned, we would have been looking at a Royal Flush and would have been able to make some demands. But, we weren't dealing with a family who was at risk of losing everything if they didn't make that deal. Banks are willing to start over and they will break a contract in a heartbeat. They already have a bunch of lawyers working for them, so it's really not a big deal.

I could list a ton more stuff, but this is already WAY too long. Another day, perhaps. Hopefully I don't find the catch before then.

Monday
Feb012010

It's the Little Things That Make Me Happy

If you weren't already convinced that I have an evil streak, it's time to fix that. While we're at it, we'll go ahead and prove that the evil streak will live on within the heart of my spawn.



While perusing Amazon for birthday party invitations some time ago, I came across a little something that made my eyes sparkle with glee. I quickly pulled the trigger on that little something . . . er . . . big something. In fact, it was LIFE-SIZE something.



A life-size cutout of Troy Bolton/Zac Efron.



OH, YES I DID.



I totally bought Alexis a life-size cardboard Zac. The only thing was that on the very day that I made the purchase, she decided that she was in loooooove with Mr. Danforth. She spent an entire evening declaring her loooooove, so I figured I should probably order a second cut-out. Except, I planned to use the things as party decorations, so it seemed a little weird to have two boys and no girls.



And that is how we came to own life-size cutouts of Sharpay, Gabriella, Troy, and Chad.







They are magnificent. Truly.



Alexis, for her part, LOVED them. So much. She giggled when she saw them. She grinned from ear-to-ear as she moved them around and posed them just right. As Mr. Husband and I stood back and watched her joyfully play puppet-master with the 20-something high schoolers, we noticed something.



The dogs didn't seem to be real found of the fake people who had invaded their house.



At all.



I kinda sorta might have taken advantage of that fact and spent an entire evening chasing the dogs with Troy and Gabriella.



(Caution: Mucho barking in the video.)







My favorite part of that video? The fact that Alexis joined in on the dog chasing at the end. Oh yes, she did. It brings a little tear of pride to my eye just thinking about it.



This little hobby never gets old. Ever. In fact, I think I'm going to go chase the bulldog right now. Heh.