Looks like dinner will be in the evening rather than late afternoon as originally planned. LOL

Sis had to come out of retirement and go back to work just to bring in some money and pay the basics, like food and the utilities. But the rest of the bills are getting harder and harder to put off. I’ve helped her out a little here and there, but they are going to need a lot more help than what I can give.

She finally started looking into debt consolidation and counseling, and I’m sure the possibility of filinf for bankruptcy is in the back of her mind, too. There’s a wide difference in the types of debt relief services and I want her to make informed decisions about this important financial matters. It’s bad enough that we are in a tough economy, but with her husband hurt and her two sons in college, she has a lot of worries.

What she might do is refinance her house and use the equity in it to consolidate debt and come up with a schedule to pay off the important bills. But there’s a chance that the real estate market being in the tank will limit how much she can borrow against the house. So she’s busy talking with a real estate attorney and her bank this week.

Cross your fingers that this will all work out for her and her family. Obviously this car wreck has done more than just wreck their car and hurt her husband. It’s wrecking their credit, too. I’m sure the credit will work itself out with some help from the right people. I hope her husband gets healed up and can go back to a normal life sometime this year, too.

Part of my strategy for buying the new house depends on the work I’ve been doing on my credit report. I met with a loan officer and talked about what I need to do to have a good rating and we made a plan that I’ve been working on all summer. According to the loan officer, I need 5 open lines of credit and all of them need to be paid down to less than half of the credit limit or loan amounts.

For that to work, I need two more credit cards and I’m applying for them now. I found a web site called Smart Credit Choices that has information on all the major credit cards and I can sort through the different options, like 0 balance transfers to find the cards with terms that I need.

One of the attractive offers is for a0 APR balance transfer. I’ve seen commercials for those and they promise 0% APR for up to one year. However, after reading the information on this site, I find out that most of them offer the 0% for only 3 months, or possibly 6 months. That is still technically “up to” one year but it’s not the full one year that most people would expect from hearing that commercial.

But I did find a Discover Card that offers no fee balance transfers and 0% interest for one full year. This card also offers cash back on purchases. That’s the one I’m going after and there was a link right there on the Smart Choices website that takes me tot he Discover Card site to put in my application online.

My neighbor across the street says that his trash can that was put out for pick up was knocked over and the trash strewn across his yard a couple of weeks ago. He thought at the time it might have been animals that did it, but it could have been kids trying to pull a prank.

My next door neighbor says that her boyfriend’s car was left parked on the street one night and that the next morning it had been broken into and all the personal items gone through, although nothing seemed to be taken. We doubt that the CD’s with titles like “Country Hits of the 80’s” and “Best of Travis Tritt” had any value for the punks down in the ghetto.

All three of us suspect the new renters down the street or their friends. I’m going to have a little talk with the owners of the two houses down the street and suggest that they run background checks on the tenants who are renting their houses.

It is easy to order criminal background checks over the internet and they don’t cost very much money. I think it is within a landlord’s right to run credit checks and criminal checks on people with whom they are going to be trusting their houses and income. It’s for their own protection as well as peace of mind.

that was really annoying and if I catch the punks there will be drama. As it was, nothing was broken – except their eggs – and no real damage done. I took my dog to the vet and once we were finished there I drove through an automatic car wash and got the egg off of my car. At least this was the old beater car and not my nice truck. And like I said, there was no damage. But it is disturbing that this neighborhood is experiencing even these minor acts of vandalism. We have enjoyed a nice, quiet, respectful neighborhood until recently when a few houses down the other end of the street have been rented out to tenants with kids. If it wasn’t those kids I suspect it was some of their friends. If it happens again I’m calling the police and setting up a trap for the punks. As long as they keep getting away with it they have no reason to stop.

The closest full service grocery store is a Food Lion. This store is good for basics and a quick trip when I run out of something mid-preparation. They have a limited selection of produce and all I usually buy there is maybe bananas, onions or potatoes. Their meat section is not much variety and too high prices, so unless it is on sale I might pick up a pound of hamburger meat or a ham steak. Their freezer and cooler sections are good and when they put things on sale I stock up.

But today I’m heading out for a long day down in the “Land of Excess.” Their grocery store is a marvelous wonderland of all kinds of treasures shipped here from all over the world. If they have some good prices on meats and vegetables, I’m prepared to take advantage because I’m taking my cooler in the back of the truck to keep them cold while I finish my errands down there. The temps will be in the 90’s today, so leaving groceries in the truck without benefit of a cooler is not practical. But I’m prepared – let the adventure begin!

One thought that is worth exploring is to completely re-evaluate my insurance coverages and premiums. I think that there is a chance to save money by shopping around for a different homeowners policy and also possibly a new car insurance policy. In fact, from reading up on insurance at the home insurance.com web site, I should save significant money by putting both my home insurance and car insurance policies with the same company and take advantage of a discount rate up to 15%.

My homeowners has been with the same company on automatic renewal for over 6 years. I think it is time to shop around and make sure I’m getting the best rates and the right coverage. I know I can do it all on the internet now which is easy and more convenient, and I’m sure I’ll save both time and money by getting new quotes and making some changes.

Having grown up on and around the water, I know how hard the elements can be on wood products and even some metals. Salt water and wind are very corrosive to furniture, decks, boats, etc. and there’s a good reason why the good quality boats use teak on their decks and trim. Teak is a dense, durable wood that can hold up to the elements for years and years. Teak does not require much care or maintenance, compared to other hardwoods. And it looks great.

I thought it would be nice to get my folks something for the cottage for their anniversary and I’m thinking a pair of teak chairs for the deck would be appreciated. I found a website that specializes in teak furniture and they have a great selection of teak chairs. Some of the classic styles are even on sale right now, which makes them very reasonably priced for the kind of quality that will last a very long time and very affordable for a nice anniversary gift.

Let’s hope my folks don’t read my blog before I have a chance to get them ordered and delivered to the cottage for their anniversary gift. I love surprising them!