Friday, September 30, 2011
Wednesday, September 28, 2011
One to remember!
It's great to have lessons tied to something as simple as a forget-me-not flower. I've got the seeds and I'll keep trying to get them started here in the tundra :)This is one of those talks that I'll remember for ever!
http://lds.org/general-conference/watch/2011/10?vid=1180453706001&cid=7&lang=eng
http://lds.org/general-conference/watch/2011/10?vid=1180453706001&cid=7&lang=eng
Friday, September 23, 2011
Soap Book Update
I"m working with AromaTools to write a soap book using CPTG doTerra oils. So many cool choices! I'd love to hear which oils or blends you'd like to see turned into recipes for soaps. If you have a fun unique combination that you recommend and if I decide to try it, I"ll send you a free bar :) but only if you're in the US( for now at least)
Have a great day- I sure am!
always,
Vickie
Have a great day- I sure am!
always,
Vickie
Impossible? Not really :)
So many of our dreams at first seem impossible, then seem improbable, and then, when we summon the will, they soon seem inevitable. Christopher Reeve
I think this goes great with the movie clip I posted earlier from Rogers and Hammerstein's Cinderella when she sings the song Impossible!
Always,
Vickie
I think this goes great with the movie clip I posted earlier from Rogers and Hammerstein's Cinderella when she sings the song Impossible!
Always,
Vickie
Tuesday, September 20, 2011
Faith
Faith is to believe what we do not see; and the reward of this faith is to see what we believe.
Saint Augustine
Saint Augustine
Qualified and Gotta Make An Offer!
Yesterday we drove to Idaho Falls to apply for replacement social security cards. It was amazing how fast the lady behind the desk was and she was nice and a totally great employee of the federal government. We were in and out in less than 15 minutes! Strange to see a security guard there in the corner- my how times have changed.
This morning when we called John at Legacy Mortgage he had received the last of the paperwork from our credit union. As soon as we can get John(my hubby) Stephanie and me together we can write up "the offer" and see what Chase(The Bank) has to say! Then John at Legacy will give us the pre-qualification letter corresponding to the price we offer.
This morning when we called John at Legacy Mortgage he had received the last of the paperwork from our credit union. As soon as we can get John(my hubby) Stephanie and me together we can write up "the offer" and see what Chase(The Bank) has to say! Then John at Legacy will give us the pre-qualification letter corresponding to the price we offer.
Saturday, September 17, 2011
Grandpa Was A Carpenter - John Prine & The Nitty Gritty Dirt Band
This one's for my hubby John. He loves John Prine songs.
The Abundant Live and a Horse called Snowman
I love this talk by David B. Worthlin! I wish I had the video clip of it to share but here is the transcript.
http://lds.org/general-conference/2006/04/the-abundant-life?lang=eng&query=wirthlin+snowman
http://lds.org/general-conference/2006/04/the-abundant-life?lang=eng&query=wirthlin+snowman
Friday, September 16, 2011
Jumping Through Hoops
One of the first steps to getting a home of our own is to get prequalified. I called Legacy Mortgage Company in Idaho Falls and talked with John. He's great guy I was thrilled that our credit report is great. Our score was 804, that's the average of our scores- three for My John and three for me. We now know how much we can borrow which is kind of nice to know but I don't want to make payments on any more than is needed.
Now we turn in tons of paperwork.
1.) 2009/2010 Tax Returns with W2’s
2.) Last two months bank statements (all pages, both accounts)
3.) Copy of note for daughter’s car
4.) Legible Copy of Driver’s licenses
5.) Legible copy of Social Security Cards
6.) 30 days’ worth of pay stubs
Tricky thing is that John doesn't have a social security card at present. I got a copy of mine and copies for all the kids a couple of years ago but he wasn't with us so next week we'll have to drive an hour away and get him a duplicate. It would probably go quicker if we just knew where the illegals get theirs. We'll have to wait for his to come in the mail- or at least have a copy of a letter from their office that says his card is on it's way.
Always,
Vickie
Now we turn in tons of paperwork.
1.) 2009/2010 Tax Returns with W2’s
2.) Last two months bank statements (all pages, both accounts)
3.) Copy of note for daughter’s car
4.) Legible Copy of Driver’s licenses
5.) Legible copy of Social Security Cards
6.) 30 days’ worth of pay stubs
Tricky thing is that John doesn't have a social security card at present. I got a copy of mine and copies for all the kids a couple of years ago but he wasn't with us so next week we'll have to drive an hour away and get him a duplicate. It would probably go quicker if we just knew where the illegals get theirs. We'll have to wait for his to come in the mail- or at least have a copy of a letter from their office that says his card is on it's way.
Always,
Vickie
Wednesday, September 14, 2011
V.I.P.D,
Today is a very important day (VIPD) Today is the first day ALL my children are out of the house on a full time basis during the day. Today is the day I start for real on getting a house of our own for Christmas.
Decision: There is a beautiful house in town, that we could probably manage to get if we waited long enough and worked hard enough, and were willing to go into debt enough. Asking price is just under $200,000 and we qualify for $150,000.
There is a fixer upper in town. A foreclosure for just under $100,000. It needs work and we'd need money to fix it up. If we got the nice house by the park, I think my kids would destroy it. Not to be mean but my family can be hard on things. Some families tread lightly but my family is energized, curious, passionate about things and active. They just do things. I could see them carving their name in the perfect oak woodwork, writing with Sharpie markers or other implements of destruction and all manner of mayhem. I don't think they would appreciate the house by the park. I'm pretty sure if they have to help fix this other house up they will appreciate and value it more. It's hard raising kids. I'd love to take the "easy" way out. Just go to work and help pay the big mortgage but I can't. I love my kids enough to do what's best for my family not what's easy for me.
Soap takes time. I have some time but it's getting sucked away left and right. My Quiet Dolls are almost ready. I just need someone to polish them up into an e-book. I have ideas for about ten of these ebooks. JP was right they need stories. One of those stories is about how they are going to help us get our house for Christmas.
Decision: There is a beautiful house in town, that we could probably manage to get if we waited long enough and worked hard enough, and were willing to go into debt enough. Asking price is just under $200,000 and we qualify for $150,000.
There is a fixer upper in town. A foreclosure for just under $100,000. It needs work and we'd need money to fix it up. If we got the nice house by the park, I think my kids would destroy it. Not to be mean but my family can be hard on things. Some families tread lightly but my family is energized, curious, passionate about things and active. They just do things. I could see them carving their name in the perfect oak woodwork, writing with Sharpie markers or other implements of destruction and all manner of mayhem. I don't think they would appreciate the house by the park. I'm pretty sure if they have to help fix this other house up they will appreciate and value it more. It's hard raising kids. I'd love to take the "easy" way out. Just go to work and help pay the big mortgage but I can't. I love my kids enough to do what's best for my family not what's easy for me.
Soap takes time. I have some time but it's getting sucked away left and right. My Quiet Dolls are almost ready. I just need someone to polish them up into an e-book. I have ideas for about ten of these ebooks. JP was right they need stories. One of those stories is about how they are going to help us get our house for Christmas.
"Halfway Home": Maureen McGovern Sings The Theme Song From The 1981 Film...
This song touches my very core. I heard it in high school and never got to see the movie but I taught a short lesson based on it. It has special meaning to me as a member of the Church of Jesus Christ of Latter Day Saints because we believe that this earth life is our second estate. We believe that we already proved ourselves in heaven before we got the opportunity to come to this earth and prove ourselves again to our Heavenly Father and Jesus Christ our brother and Savior. When I get discouraged this song lifts me when I realize, I'm halfway home.
Tuesday, September 13, 2011
Monday, September 12, 2011
Anticipation
I'm sitting here waiting with anticipation for Legacy Mortgage to get back with me. We want to be preapproved and might possibly make an offer on the fixer- upper foreclosure if we feel pretty sure about it after another walk through. Of course then there's inspections to deal with to make sure everything is as it appears.
Always,
Vickie
Always,
Vickie
Saturday, September 10, 2011
5 AM on a Saturday
It's 5 o'clock on a Saturday.... sounds kind of like a song doesn't it. I've tried to fall back asleep but it's not going to happen. Between thinking about houses and allergies from the grain dust in the air, my eyes are wide open if not my nasal passages.
I found a house in town we really like. I REALLY LIKE, I should say. All my life I've been drawn to fixer uppers. I was willing to live in any old dump if I could see the potential. We'd end up with something that needed some basic cosmetics but not majorly disgusting thanks to my husband's good judgment. This time around I wanted perhaps the prettiest house in town- at least from the inside. I wanted everything about it except for the price. This is a real beauty, including the price. After getting the tour, it inspired me to start this quest for a house for Christmas.
Yesterday we looked at a foreclosure. It could be a really nice house but it needs a lot of work. It's big enough, kind of different floor plan and reminds me of the polygamist's house we looked at in Chester, ID when we first moved into the area. That house had a REALLY funky floor plan, including a mini master bath and huge wives bathroom but I could see "potential". I love that this house has 5 bedrooms and is close to having 2 full bathrooms- just needs the old shower area removed and the new framed in bathtub area completed. It stinks, literally, but with all the carpets pulled out and some modern KILLZ? on the floors, new carpet again and paint, it would be OK. Actually it might be quite lovely once you gut the kitchen and finish everything that needs finishing like taping, texturing, ripping out ugly bushes, pruning, landscaping.... the list is pretty long... but for the price it has to be on the "list".
John said for the most part he'd be willing and able to take it on if he wasn't commuting 4 hours a day. That it would be fun to putter around, fix the house and write a bit each day. I said if gas prices keep going up he might have to retire and instead of spending that $30 for gas every day we could afford to buy this place :)
I'm just not sure when it's all said and done that this is the house I want. Last time we bought a house I didn't like I was depressed without knowing it for seven years. A 960 square foot mobile was not my dream home with three kids and pregnant with my fourth and it totally wasn't a dream home, more like a nightmare, when we had six little ones. Thank Goodness! Literally for the three acres it sat on and that after those 7 years we were able to build a big beautiful lovely home. The sacrifices of the past just kind of melted away as we enjoyed our palatial palace for two years before moving.
Finally I'm getting tired. Hope you all have a great weekend. Once Bethany heads off to nanny in New York on Tuesday I'll really be a empty nester during school hours and get down to business. Wishing you all the best.
Always,
Vickie
I found a house in town we really like. I REALLY LIKE, I should say. All my life I've been drawn to fixer uppers. I was willing to live in any old dump if I could see the potential. We'd end up with something that needed some basic cosmetics but not majorly disgusting thanks to my husband's good judgment. This time around I wanted perhaps the prettiest house in town- at least from the inside. I wanted everything about it except for the price. This is a real beauty, including the price. After getting the tour, it inspired me to start this quest for a house for Christmas.
Yesterday we looked at a foreclosure. It could be a really nice house but it needs a lot of work. It's big enough, kind of different floor plan and reminds me of the polygamist's house we looked at in Chester, ID when we first moved into the area. That house had a REALLY funky floor plan, including a mini master bath and huge wives bathroom but I could see "potential". I love that this house has 5 bedrooms and is close to having 2 full bathrooms- just needs the old shower area removed and the new framed in bathtub area completed. It stinks, literally, but with all the carpets pulled out and some modern KILLZ? on the floors, new carpet again and paint, it would be OK. Actually it might be quite lovely once you gut the kitchen and finish everything that needs finishing like taping, texturing, ripping out ugly bushes, pruning, landscaping.... the list is pretty long... but for the price it has to be on the "list".
John said for the most part he'd be willing and able to take it on if he wasn't commuting 4 hours a day. That it would be fun to putter around, fix the house and write a bit each day. I said if gas prices keep going up he might have to retire and instead of spending that $30 for gas every day we could afford to buy this place :)
I'm just not sure when it's all said and done that this is the house I want. Last time we bought a house I didn't like I was depressed without knowing it for seven years. A 960 square foot mobile was not my dream home with three kids and pregnant with my fourth and it totally wasn't a dream home, more like a nightmare, when we had six little ones. Thank Goodness! Literally for the three acres it sat on and that after those 7 years we were able to build a big beautiful lovely home. The sacrifices of the past just kind of melted away as we enjoyed our palatial palace for two years before moving.
Finally I'm getting tired. Hope you all have a great weekend. Once Bethany heads off to nanny in New York on Tuesday I'll really be a empty nester during school hours and get down to business. Wishing you all the best.
Always,
Vickie
Wednesday, September 7, 2011
Subscribe to:
Posts (Atom)