What's Been Goin' On

I don't have any one particular subject to write on so I figured I'd share a little about what we've been doing lately and what's on my mind.

• I finally have a home sale that should close (maybe even this month).  It's only been 8 months since my last closing.  The only thing that could prevent it from happening is the seller not being able to get my buyer a clean and clear title or if it burns down.
• The kids have been plugging away at school and I'm definitely seeing some improvements.  They are also in the process of preparing to participate in the local county fair.
• Hubby's company was recently bought by another company but so far there haven't been any changes to his schedule or anything.
• Now that it's snow-bird season, I've been showing more houses.  Luckily the kids and I have found a bit of a rhythm so we can still get things done even on the days I'm away for a bit.  Hopefully I'll have another house sell soon as a result.
• The last week, hubby's changed his sleep schedule a little so he's awake more during the day so he can spend more time each day doing things outside. The yard is really starting to look nice (considering we have 1.7 acres that saying something).
• My son turns 11 in less than a month!  Where has the time gone?!?  Now to figure out how to celebrate on a pretty tight budget.  Suggestions are welcome.

The Right Choice?

I recently made a decision to continue in real estate.  Why was that a decision I felt the need to make?  Because I haven't sold anything since May and I had quite a few fees due (annual renewal fees for various real estate related things) in early January.  I HATE the thought of spending money not knowing when or even IF I'll make money based on that spending.

Another factor is that I homeschool my kids.  I even had one of the brokers at my old office mention it to me after I'd left their firm as a reason why I hadn't sold much.  Totally not true by the way.  I was at a real estate function at the moment he said it, on a school day.  Oh, and I was homeschooling my kids when I sold 12 houses in my first year!

Although I need to be available to help my kids with their schooling, the beauty of homeschooling is that you can be flexible to do it when you want or are able.  My kids prefer to do school later in the day.  Hubby works nights so I have to be home anyway.  And we also do school over the summer (we live in Southern Florida and it gets a bit warm, so why not enjoy the cooler weather of the winter for all the fun field trips and do the seat work in the summer when you don't want to go outside and roast).  Oddly enough, my summers are pretty slow when it comes to real estate (as opposed to the rest of the country) so it works out nicely from that perspective.

I recently had a meeting with my new broker and really felt she wants me to succeed.  She's been giving me a few leads that seem like they might pan out (she's a practicing broker which means by doing so, she's not getting the full commission = she's awesome!).

Do I know if it was the right choice?  Not yet for sure, but if the last couple days are any indication, I think something's going to happen very soon.  I've been showing houses with some level of frequency.  I have people contacting me about possibly listing their homes.  And this morning I submitted an offer on a house and may have a second to submit this afternoon.  Obviously, neither counts till it's accepted, but it means I have people seriously looking and that's a good thing.

So what am I doing about it?  Praying that I prove the naysayers wrong and that 2015 is my best year yet!  I'm also trying to organize my life a bit more which means waking up earlier to get a few extra things done each day.  It also means I may not be posting here quite as often for the next couple months in particular just because real estate "season" has hit in Florida.

I'll be back as soon as I can even if it's just to give you a quick update on how the real estate and homeschool journey are going.

Hard Work and Perseverance

My regular readers know that my son is a bit of an engineer.  He's particularly interested in robotics.  Considering his father is a programmer and made a robot when my son was only a few years old, it's not really a surprise.

What may surprise some, is that although we homeschool our son, he, at the ripe old age of 10 has been able to participate on a robotics team this year.  We have some homeschooling friends who knew that my son loves robots and programming, and put us in touch with a couple of other homeschool moms who wanted to start up a robotics team.  They needed a mentor (an engineer) so it worked out quite well that my husband is a computer engineer.

A few weeks ago, the team participated in a pre-qualification competition.  The goal was to let the teams participate in all the functions of a full competition without all the stress.  It was great, they were scored and were given pointers on how to improve for the actual qualification tournament.  Being that this was the team's first "competition" they went in with the goal being to learn the process so they didn't feel overwhelmed when it came time for the real competition.  How surprised were we when they won an award for the best research project (out of 11 teams present).  To say the team was happy was an understatement.

The team after winning the award for their presentation at the pre-qualification competition

There are 4 pieces the team is graded on.  The robot design (explain why you made the robot do X, why did you use that attachment to do it, why did you program it the way you did, etc), the research project (and an associated presentation of what you found out with your research), the robot performance (actually using the robot they designed and programmed to accomplish certain tasks), and what they call core values (team work and good sportsmanship).

Today was the qualification competition.  You go through each stage without really knowing how you were scored.  You can figure out the robot performance on your own because they assign in advance the points for each task, however you don't necessarily know how all the other teams did (unless you have someone watch all the matches - which we didn't).  So you have to go based on your gut, as well as compare how you did this time to last time.

• They came out of robot design feeling pretty good.  They were asked some detailed questions, but they were able to answer them, so they felt pretty good about that one.  
• They performed a skit which they wrote as their method of presenting their research project.  They'd made some improvements based on the recommendations from the judges at the pre-qualification and felt those changes reflected in their presentation so figured they'd score high on that one (especially since they won that category at the pre-qualification).  
• The core values is actually one of harder pieces for the team because there are 8 of them and it's often hard to get them to agree on a plan of action (they are give a task to perform and they have to work well as a team and not bicker).  Apparently this went well too, so again, they felt pretty confident.  
• The robot competition was the last thing they did for the day.  In the pre-qualification their highest score was 110.  Today they scored 185!  Not only did that end up being the highest score for the day, earning them the award in that category, it's also the highest score on the west coast of Florida so far.  There are multiple weekends of competitions just because of how many teams there are so that could get broken.

The team with today's award for the best robot performance

So what happens next since they won the robot performance portion today?  That depends on an appeal that has been lodged by the team's coach.  Although we won the robot competition, our overall score (adding up the scores for all 4 categories) was not high enough to advance the team to regionals.  We knew going in that could happen.  In fact, there are many stories of the winning robot performance team not advancing.

The issue is why we didn't score well.  What area did we score lowest?  The research project.  The same research project that won them the award at the pre-qualification (keeping in mind they won without the improvements made for this competition).  After looking at the scoring sheet from pre-qualification and the scoring sheet from the competition today, our coach feels we should have gotten a higher score than we did.  If we'd have gotten that higher score, we may have scored high enough to advance (the top 3 scoring teams out of 13 advanced).  Our scores in the other 3 categories were pretty high, so that category is definitely the culprit.

So now we wait to see what comes of the appeal.

In the mean time... our team has so much to be proud of.  They won the robotics performance piece today, and they also won the research project award at the pre-qualification.   They also handled themselves very well today.  They were very supportive of the other teams throughout the day, and after winning the robotics performance award, they handled not moving on to regionals pretty well.  They were certainly shocked (as was the coach and many of the parents) and they questioned why they didn't advance (as in wanting to know if they did something wrong), but they didn't have a bad attitude about it.  

If this is the end of the road for the team this year, they should be proud of themselves.  I think it's safe to say they had a great time learning all kinds of things about robots, teamwork, and even the medicinal benefits of herbs (what they chose as their research project).  And to see all their hard work pay off by winning two awards whether they advance or not = awesome!  Way to go team!

My son holding the award and the team robot.  I think he's happy  :-)

Late night yesterday, followed by an early and full day today = crashing HARD on the way home.

Good Riddance

My regular readers know that we've been fostering cats for about 2 years now.  Of those 2 years, we've had 2 cats for a year, and six more for 8 of those months as well.  When we signed up, we were under the impression we were going to have the cats for a couple months at the most.  And initially that was true.  For the first year, we'd had 3 litters of kittens that all got adopted out pretty quickly.

I'm not sure what changed (I have theories I'm not going into today), but needless to say, adoptions through the rescue we were helping went to pretty much none. 

My family LOVES furry animals of any kind.  In fact, my hubby took in a rabbit because he was convinced if he didn't, it would be dead by the end of the day (for the record, he was probably right). That said, we officially hit our limit.  Within a week of replacing our roof, our A/C died.  After looking at those expenses and how much we were spending per month on food, litter, and gas and time getting the cats to adoption events, we decided it was time the cats had to go.

I am proud to say we are done.  Today, I took 8 cats to be fostered somewhere else.

My daughter is sad to see a few of them go.  I on the other hand am not.  Although most of the cats were friendly, they were getting to be too much.  In addition to feeding and scooping them, we essentially had to baby-proof the house.  On those occasions when I didn't get that done, things were destroyed.

I am happy to say, that we are now a 1 cat family.  We may get another cat down the road, but as far as I'm concerned it won't be for about a year (I need a break).  Will we foster cats again?  Perhaps, but I've learned a lot about the process, and I've learned that who you foster through is VERY important so we won't be fostering for the person we just finished with.

Perspective = Thanksgiving

Thanksgiving.  What's it all about?  It's a day originally designed to remember how the original settlers were able to survive.  Over the years, it's become a day to remember what you are thankful for.  The typical things to be thankful for are: family, a home, health, friends, and employment.

I'll admit it, today I'm struggling because not all of these things are going as I was hoping they would.

Thanksgiving was always a big holiday growing up.  My parents would invite families from our church who didn't have family locally for a big Thanksgiving meal.  We sort of became a new family of sorts each year.  Although my parents live 10 minutes away, they are not in the area this Thanksgiving.  That's because today they are out of town celebrating their 40th anniversary. 

I've been fighting a cold, but the last couple days I've been feeling much better.  However, last night around dinner my daughter came down with a stomach bug and still isn't back to normal.  My kids and I were going to go to Busch Gardens with some friends today, but that obviously didn't happen.   And why wasn't my husband invited to Busch Gardens?  Technically he was, but he had to work last night as well as tonight, so a day awake in the middle would not be a good idea.

This post is not designed to make you feel sorry for me.  On the contrary, it's about how I've decided to be thankful because of these issues.  How's that?!?  Because I've gotten some perspective.  People I know and love are struggling with some of these things in a much bigger way.

I have a friend who recently lost a family member to cancer.  Aside from said family member's birthday a week or two ago, this is the first holiday without her.  That can't possible be easy.  I have another friend who gave birth to a stillborn child on Thanksgiving, 13 years ago.  Although she knows she will see her son again in heaven, this can't be the easiest holiday for her because of that.

I work with people trying to purchase their own home, and I've seen a few recently who have not been able to realize their dream and are relegated to renting for the time being.  I also know people who are living on a fixed income who recently found out that their community fees are going up.  I know someone else who's job moved them so they had to sell their house at a substantial loss (as in they are paying back a loan in order to sell their home).  I also know someone who was told they will only be employed through the end of the calendar year.

So today, I'm going to be thankful.  Because:

1. I have parents that showed me how to love on friends and how to make it through 40 years of marriage.  I also have a new niece that I'm going to see next month.
2. Although the last couple months have been tough with our house, we have a house with equity that's allowed us to make the repairs we've needed.
3.  A cold and a stomach bug are nothing considering what other people are enduring.
4.  Although we are not spending time with friends today, we have friends that cared enough to invite us to join them today.
5.  And yes, my husband had to go in to work, but he has a job.  That's more than some people can say.  In fact, this time last year he didn't have a job.

I pray you all had a wonderful Thanksgiving and that you were able to keep perspective today as you celebrate those things you are thankful for.

Missing Virginia

I admit it.  Today I miss living in Virginia.  It's NOT because they are getting snow where I used to live (the mountain I used to live on might get 6" or so).  In fact, I really don't miss that one little bit.

I miss Virginia today, because my sister-in-law had her second child today.  My first niece.  And I can't go visit in the hospital.  We are hoping to see them in the next month or so, but it's not quite the same.

I guess I will just have to be content with the fact that I have a care package consisting of things I've been knitting for a few months that will be going out in the mail today.  That will have to cuddle with my niece while I can't.   Counting down the days till I get to see her (and the rest of the family in Virginia too).

The Insurance Saga Continues - Sort of

As my regular readers know, we recently had some issues with our insurance company.  They threatened to drop us if we didn't get our roof replaced.  When we couldn't get it done by their deadline (which was unreasonable mind you), they did in fact drop us.  I submitted proof of the replacement on the same day they sent us a refund check which meant I then had to send them payment for the rest of our policy year in order to get reinstated.  I'd even gotten a notice saying that our policy was reinstated a couple weeks ago. 

To my horror, when I got the mail today there was a refund check from the insurance company.  My first thought, "Oh no!  They dropped us for good this time."  As soon as I got inside, I called the insurance company and found out that not only had I paid for my insurance policy, so had my mortgage company so the refund was valid.

But.... that meant that my escrow is probably low, so rather than wait for the bank to call me, I gave them a quick call to see how quickly I needed to deposit the check and then send them their payment.  Much to my surprise, I was informed that only a portion of the amount of the refund check needs to be sent to the mortgage company to cover the shortage. It turned out to be only 16.5% of the check in fact.

This particular snafu, meant that rather than my insurance company refunding me the overage in my escrow come March, I got it today.  Wahoo!  Oh, and I also found out my mortgage payment will be going down soon (although only slightly), because our new insurance premium is going down as a result of the new roof.

Sometimes the thing in the mail that you think is scary isn't.  Sometimes it's God helping you out when you need it.