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We are back on track for the purchase of the townhome!!! We offered to split the difference between our original overly-generous offer and the suspiciously low appraisal. And they agreed!
I am also going to go with a new lender. It’s a nuisance (lots of paperwork), and will slow us down by 2-3 weeks, and I’ll have to pay for a new appraisal. But if it appraises well, we only have to make the standard down payment, and not come up with extra cash. Even if it appraises low again, with the new lower purchase price, we feel comfortable making up the difference in cash. And I feel like we’re paying close to market rate, regardless of exactly how the second appraisal turns out.
We now hope to close on about November 13, instead of Oct. 27. We’re getting there!
Two houses means two toasters. And two of everything else. Two sets of guest towels, two brooms, two alarm clocks, two cookie sheets, two coffee grinders, two bathroom trash cans, two vegetable brushes (ok, maybe I don’t really need a vegetable brush at both houses).
Plus, there are a few items that I want a third for my office, for example, an ergonomic mouse for my computer, and a heating pad for my chair. And there are also a few items where I like one style and John likes another style. So we’ve got two of those (one for each of us) plus a third for Sante Fe.
Oh, and we can’t forget the camper van! It would be far too difficult to remember and pack everything we need for the van, so we have duplicates of some things that stay in the van. Dishes, pans, silverware, spices, bedding, cleaning supplies, USB outlets, power cords, etc.
And then there are the items that we think we probably already own but can’t for the life of us find, so we’re just going to buy another. Or three.
I have 3 identical thermoses. One to take my coffee to work in the morning. Another to take my green tea into work in the morning. Another for my green tea in Placitas. “What about my coffee in Placitas?” Right? Am I right? See, it’s never ending.
When John and I die, and our kids are going through our stuff, they’re going to be like, “Why do they have 5 identical everything?!?” Poor old folks, losing their minds.
When I got home from Santa Fe last night, John was on the roof (up at the remodel) – actually, hold on. Before we go any further, I just need a name for all these houses. This one in particular. Is it “John’s house”? Or does that reinforce the idea that it’s not really mine too? Is it “the house on the hill”? That is a bit of a mouthful. For a long time we called it simply, “Placitas” after the name of the nearby village. But we are currently also renting a house in Placitas. Maybe around the time that we move, and no longer have the Placitas rental, we can go back to calling it simply “Placitas” because it will be the only one in Placitas and it will no longer be “the remodel” because the remodeling will be done…right? Right!? Done remodeling? Someday? Right???
Anyway, he was up there pushing around some goop on the roof. He wants the roof in great shape prior to installing the solar panels (no, we haven’t bought them yet, but we have a quote coming soon hopefully).
“Hi, honey, I’m home!”

Note all the stuff in the crammed-full garage. Other than the refrigerator in front and some of the more obvious furniture, I have absolutely no idea what’s in there. That refrigerator came out of one of the Albuquerque rentals, by the way. I think we’re keeping it as a garage fridge?

Not much difference in the interior since I posted last. There’s a little bit more brick.

Still no cabinets. He hasn’t found any he likes, so they aren’t yet ordered.

I saw some gorgeous cabinets being installed in a casita that a neighbor is building, but they probably cost more than the entire amount we’re haggling over for the townhome. Just go for it John 🙂 I’ll wrangle my great deal on my townhome, and you can splurge on cabinets.

And the whole reason why we keep at it:

One of my exceedingly photogenic nieces 💕 This one’s going to be the desktop photo on my computer at work.

I’m told she didn’t get that pumpkin because it was too heavy to lift, but she got over the disappointment quickly. Which is a great life skill for all of us. If it’s too heavy to lift, leave it behind and get over it quickly.

Another great life skill – tractor driving!
P.S. If you want to see yourself here, just send me photos and you too can be famous! 😜
Our housing situation is really starting to get stressful. We moved here over a year ago, and we are not settled yet. In fact, if anything, it seems like we are going from bad to worse. Our stuff is boxed and scattered everywhere. We have stuff in our rental in Placitas, in the garage in John’s house in Placitas, in my rental in Santa Fe, in a storage unit in Bernalillo, and now I have a new storage unit in Santa Fe. I don’t know where anything is. We are paying rent on 2 houses and 2 storage units, an amount which exceeds the enormous mortgage we used to have on our fancy house in California. And we’re trying to buy a townhouse in Santa Fe and that’s not going well.
On a box I was packing this morning I started to write, “dishes – Santa Fe townhome.” But we don’t know yet whether we’re going to get that townhome, so I crossed out the beginning of “townhome” and wrote “casita” instead, but then I realized there wasn’t room in the casita, so I crossed that out and wrote, “storage.” And then I was just sad.

Last night John dreamed that all our furniture was piled in the driveway and overflowing into the street, forcing the passing cars to weave around it. And it was starting to rain and he didn’t know which furniture to try to save or where to put it. And the black couch was missing (John – hello! We gave the black couch to Darren! Because the dogs ruined the black loveseat and I didn’t want them to ruin the couch too!) It’s weird when dreams get too realistic.
And then I dreamed last night that we were moving into a new rental that was full of projecting nails, and floors that wouldn’t hold your weight, and water under the floors, and exterior walls that were missing.
And then in another dream last night (it was truly a hard night), I dreamed that I was trying to box up my stuff, but the boxes were in shreds because we had used them so many times. John went to get me new boxes, but on the way out of the driveway he backed into something, and I laughed at him. He got frustrated and to prove that he really can back a vehicle like a pro, he decided to back all the way out the driveway instead of turning around (and in my dream the driveway was steep uphill gravel). So as he spun out while backing up the driveway and he backed into the neighbor’s house. Then he got so mad that he just floored it, and deliberately backed all the way through the neighbor’s wall and completely into their house! (Remember this was just a dream). We had a good laugh about that one this morning. But that’s the stress of it.
I think the fires in California are making it harder. Logically, I should be grateful that it’s not us. Our house hasn’t burnt down, and we still have all our stuff – it’s just boxed and temporarily lost and very disorganized. We haven’t suffered the losses that those people have, and our situation is temporary and will eventually sort out just fine. But I don’t think that trying to be grateful that we aren’t impacted by those fires is actually very psychologically soothing. Because in reality, we have friends, family, coworkers and clients who are being impacted. And the photos of the burned houses, and the stories from our friends and family are not helping us psychologically through our own little housing transition issue. Their reality, combined with our own lack of current housing stability, is subconsciously stressful.
Also because we’re splitting our stuff between two houses, in essentially a “his vs. hers” configuration, this is triggering traumatic memories of my past divorces. Luckily, I think our relationship is better than it’s ever been. John has been GREAT with all of this, and I am enormously grateful for that. I think we are actually kind of enjoying our weekdays apart, even though we may not quite want to admit that 🙂

It’s funny how a person can fall in love with a place. I think I annoyed every single one of my California friends & family with my open, giddy delight about being able to move back home to New Mexico last year, even though New Mexico isn’t where I’m originally from.
Laura is visiting Japan, after living there for 5 years and then being back in the US for 3 years. Here’s portions of her email to me (thanks Laura 💕)
“I feel like I did when I first moved to Japan 8 years ago – completely in love with every little thing. Except this time it’s not the newness but the familiarity that makes me happy.
On the Shinkansen, all seats were full so this guy laid out newspaper in the aisle, took off his shoes, and sat down on his knees on the newspaper.”
(My editorial note: Can you even imagine anyone doing this on the BART? The BART is the least civilized train I have ever endured. I’m so sorry Laura is stuck living in the Bay Area.)
Now to return to her email:
“Riding in style, on the Shinkansen! Love all the foot room, chairs that recline way more than on airplanes, window sill where I can set my drink, and hook where I can hang up my jacket and umbrella.”
“It’s so good to be back!”
Have a great trip Laura! Maybe next time you visit Japan I can go with you.
I actually had a loyal fan email me today, wanting to know how the townhouse was faring. Seriously? You are not yet sick of hearing me write about my attempts to purchase houses?
For the past week we’ve been waiting because our lender was going to review and reconsider the low-ball appraisal. And we had decided not to ask the sellers for a reduction until we knew the results of the lender’s review. Every day they told us they would have the review done by the end of the day.
Finally, after a week of waiting, the lender got back to us yesterday and said, nope, they are not going to increase the value of the appraisal. Meanwhile, I’ve been running spreadsheets like a crazy woman and I think I pretty much know as well as anyone what that house is worth. I think it’s worth about exactly half-way between the appraised amount and my original offer. In addition, the most recent, and most similar comparison sale (which the appraiser somehow overlooked) sold for just a few thousand less than the half-way point. So I feel pretty confident about what that house is worth on the current market.
This morning we wrote an amendment to the offer, offering the half-way point, which is what I think the house is worth. I expect them to counter-offer. In which case, we’ll need to decide whether to pay over the probable market price or not.
Meanwhile, I am also looking into getting a new lender, in hopes to get a more realistic appraisal. The higher the appraisal we get, the more we can borrow on a low-interest, 30-year mortgage, and the less we have to come up with cash (or borrow at a high-interest, faster payoff). The question is, is it worth going through the hassle of getting a new lender? The paperwork is ridiculous nowadays. And it will slow us down.
The first lender I contacted advertised good interest rates, but they told me it would take 60 days, because they didn’t have those particular HOA documents on file, and they have some sort of onerous review process for the HOA docs. That’s bogus. My sellers aren’t going to wait for another two months!
So my agent recommended a different lender and I spoke to them yesterday. They’ll need 30 days minimum, and we’re currently 2 weeks from our initial closing date. So it will set us back 2-3 weeks past the initial closing date. And the sellers would need to agree to that.
My agent presented the new, reduced offer to the sellers this morning. I’ll let you know when I hear something!
Here’s a couple of highlights of my week:
One of my clients lives in Oakland, and has been handing out face masks to the homeless because it is so smoky there. That is so thoughtful!
Here is another highlight; an email from a different client after I had a coaching session with his wife…”[she] came upstairs [after the session] so extremely positive about our relationship. It was amazing. We had such a great talk.”
I had 7 clients this week and I only have timeslots for 8. So I’m nearly filled up. I had dropped my rates after I moved to New Mexico, because they had seemed too high (the economy here is so different than California). But none of my clients are in New Mexico anyway. They are mostly on the east and west coasts. I might consider raising my rates again at the new year.
Also this week my websites were hacked. That wasn’t so much of a highlight of the week as maybe a lowlight. It’s all fixed now, but it took a lot of time in an already hectic week.
In other good news, I got my first paycheck from my new job. I finally know enough to be able to get a certain amount of “real work” done, but am still mostly in training. The work is ridiculously complicated at first, but won’t be that hard once I get the hang of it. I’m in the “Records Group” and our task is basically just document review and database upkeep, but there’s a million different steps that vary depending on each slightly different situation.
I still really like my boss and am really sad she’s leaving. I’m also starting to get worried as I see the scope of everything she’s been doing. She’s not primarily a manager – she’s primarily the one who has been doing all the work. And it’s not clear to me than anyone else knows how to do all of it. And it seems more than I could possibly learn in the next few weeks, because there are so many different special situations, “oh, that’s different, that’s an exception because…so instead we need to do this other thing…”
It’s a good thing I like organization, because this job is mostly just a huge and nearly impossible organizational challenge. I will probably also be learning something about air quality along the way. But currently I’m mostly learning about our regulatory process, not about air quality.
Although we had an excellent training course about sulfur dioxide. That is scary shit. It’s very toxic, and very common in industry. The scary thing about it is most people assume they can reliably stay away from it because it stinks horribly. But what people don’t realize, is that at higher concentrations, you can’t smell it! Or at medium concentrations you quickly lose the ability to smell it (and mistakenly think it’s no longer there). The first effect it has on the body is to knock out your sense of smell. In high concentrations it can kill instantly.
In the class we got to try out different types of PPE (personal protection equipment). In this case, they are air tanks (like scuba tanks). Industrial workers may also wear equipment with air lines that are attached to an air source (so they are dragging an air line around). Those are used by workers who are working on gas lines. The most we’d ever need to do is carry a small emergency air tank if we were going to inspect a really hazardous area. I’m not an inspector though, so it’s unlikely I’d need to do that.
I may be doing occasional site visits, and I might be in an area where I would need to wear a gas monitor, which will alarm if readings are too high. It’s not uncommon to need to wear monitors at Sandia as well. A common type of monitor used at Sandia is a dosimeter, which is a monitor that detects ionizing radiation. I only had to wear one once, but many of my coworkers wore them regularly. The monitors my new coworkers may occasionally need to wear for inspections detect one or more toxic gasses.
I think most of you read my blog by email. But if you happened to have been compulsively checking my blog, eager for the next amazing thing I might post (LOL), you would have discovered a purple page with a variety of non-helpful, not-related links to sites that somehow have similar names as my site (Turning-other-things). This is what my blog has looked like for the last couple of days.
That wasn’t the hack. That was the default my hosting company displays after it disables a site. They disabled my entire account, including my coaching websites! Everything was down and displaying a version of that page, because apparently they found malware on my sites. So they took all my sites down and sent me an email telling me to get it fixed.
See the message in the top right corner? “Webmaster, please contact Hostgator.” Yeah, I’m the webmaster for my websites, and Hostgator is the company that hosts my websites on their server.
I had to hire a security company to clean the sites. Luckily they were able to get it done just by running software, and did not have go through my files by hand (or it would have been a lot more expensive and a lot slower). After the sites were clean, I had to submit a request to my hosting company that they review and republish the websites.
It took 2 days, several hours on the phone, and a number of hundreds of dollars, but I’m back online. As if I didn’t have anything else to worry about the middle of this week.
I don’t know what malware was on my sites, and I don’t care to find out. About 10 years ago I got hacked and they inserted porn on my site, which I found myself. Luckily I didn’t see the porn itself, I just saw the file names (which were plenty horrifying enough). I bet you never thought about what people name porn files. I was shocked to see long, descriptive titles. I don’t know if I expected cryptic numbers or what (I mean, I didn’t expect anything because I didn’t know it was there).
Back then, 10 years ago, I was closely watching my website statistics, and I noticed a sudden, incredible increase in hits on my site. My viewership was going through the roof with exponential growth, and I had no idea why. So I looked at each page, to see which pages were suddenly so popular, and it wasn’t any of my pages. So then I went in the back-end to my server and looked at the files, and that’s when I found them. I deleted them out by hand.
Luckily, I don’t think any of my legitimate traffic would have seen the porn, because it wasn’t on the pages that people would access through the menu on my site. My own pages were untouched.
But that was 10 years ago, and things are way more complicated now. This time I couldn’t even find my files on the server, much less try to clean it myself. It probably wasn’t something as easy and simple as bogus files. The malware could have been anything – bots using my server space, running for who knows what kind of purpose.
Now I have a contract with Sitelock, which is the company that ran the software to clean the site. I’ll pay them monthly on a year-long contract, and they’ll automatically run their software every day. Hopefully that will keep this from happening again.
You may be wondering how the remodel is going. Oh that! Yes, the happy answer is, “I don’t have any idea!” John’s dealing with it. Yay! That was probably my main motivation for getting a new job.
Last I heard, they were still installing brick. I’m curious to see it after it has been oiled (it will be darker and less orange).

John decided to take out the old kitchen cabinets, and is having trouble finding new ones that he likes. Since there is often a few-week delivery time on cabinets, I doubt the kitchen will be usable anytime soon.
I think he plans to move in anyway, without a kitchen, because (presumably) I’ll have a house in Santa Fe with a working kitchen. The townhome (if we buy that one) has a really tiny kitchen, so most of our kitchen items will have to be boxed and stored for awhile.
I’ve also been pushing John to buy the solar panels and batteries asap. That is the main part of this project I’m actually excited about. It’s an ideal house to go off-grid, because it’s already on well water, it’s all-electric (also has a wood stove), and there’s plenty of space for solar panels and no trees blocking them. Also we need to update the aging heating system anyway, so we can go with an efficient heat pump. And it already has evaporative cooling, which is way more efficient than central air.
I’m anxious to get the equipment purchased because of rumors that our current administration is going to limit the import of solar panels from China, and they are pretty much all made in China. I just want to be sure to have them, even if we have to store them for awhile. So John made an appointment with a solar guy. Yay! Buy those babies! And plenty of them!
I doubt I’d even try to go off-grid in Santa Fe, at least not with that particular townhome. There’s not enough space, too many neighboring trees, there’s an existing in-floor radiant hot water system that’s probably not all that efficient, and is on gas anyway. I’ll just head out to Placitas if there’s an apocalypse 😉
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