I have a client that I've been working with for 2 months. They have been looking for a house though for 9 months total now. They were getting to the point where they were thinking maybe they should stop looking. I have put in a total of 5 offers for them and until today all of them had been turned down. Usually because someone else offered to pay with cash.
Today their offer was accepted and we hope to close by the end of January. To say they are happy is an understatement. They are still guarded in their excitement, and rightly so considering all they've been through, but it's still nice to know they have attained a step they haven't before.
I got into real estate because we needed the money, but part of the reason I chose real estate rather than something else was because I wanted to be able to help people. It's so rewarding to see the happy faces of a new home buyer. And I hope next month they will be among them.
Some of my friends and family are aware that yesterday was a bit of a rough day for me. That was because I had a deal close. You would think that would be a good thing, but some documents surfaced at the last minute that surprised me and my buyers and made things a bit dicey to say the least. The deal is closed and I think things are ok (I haven't heard anything today to the contrary anyway).
The deal closing yesterday and my clients having an offer accepted is certainly making today a much more relaxing day.
Showing posts with label relief. Show all posts
Showing posts with label relief. Show all posts
Friday, December 14, 2012
Tuesday, September 20, 2011
Dodged THAT Bullet - I Think
Today, my son came to me wanting to go into the pool enclosure (Note: Our rule is that an adult MUST be in the pool enclosure with a child). Apparently, he saw a HUGE lizard hanging onto the screen around the pool. Upon further investigation, it was actually 2 lizards that were mating.
Being the inquisitive child that he is, he asked me what they were doing. I then told him, they were making eggs. After they separated (shortly after we arrived), he asked me where the eggs were. I told him it takes a while for the girl to make them. Then he asked me how long it takes for the eggs to hatch. We then went into the house and looked it up on my computer. Luckily that changed his focus and he didn't question me further.
That is a conversation I think he is capable of handling, I just want his Daddy to be the one to have it with him. I'll deal with his sister in a couple years (I'm sure Daddy is OK with that plan).
Being the inquisitive child that he is, he asked me what they were doing. I then told him, they were making eggs. After they separated (shortly after we arrived), he asked me where the eggs were. I told him it takes a while for the girl to make them. Then he asked me how long it takes for the eggs to hatch. We then went into the house and looked it up on my computer. Luckily that changed his focus and he didn't question me further.
That is a conversation I think he is capable of handling, I just want his Daddy to be the one to have it with him. I'll deal with his sister in a couple years (I'm sure Daddy is OK with that plan).
Monday, September 19, 2011
Here We Go Again!
I have had a hate, hate relationship with health insurance companies for years now. Around the time my son was born my husband started a business. At that time, he got a contract that until recently (7 years later) has been covering all our bills.
When I had my son, I was planning on going back to work because we needed my income (and my health insurance). The income from the contract meant that I didn't need to go back to work though. Which meant we were on our own when it came to health insurance.
I had a family friend who was a health insurance broker and he was able to help us find the best policy for us. I am a firm believer that you shouldn't lie. Ever. And omission is a lie too (especially on an application). This is where my hate, hate relationship comes started. When the underwriting form asked if I'd ever seen a chiropractor, I said yes. You see, I went to a chiropractor while I was pregnant. All of you ladies out there who've been pregnant probably understand. I saw a chiropractor every 2 weeks because I was driving 2 hours each way, 5 days a week. Do that with 15+ lbs strapped to your stomach in an uncomfortable car and tell me the underwriter wouldn't have done the same thing. Once I had my son and stopped the commute, I didn't go back.
For the most part, it was a good fit and the pricing was very reasonable (especially after I was able to contest the increased fee after not going to the chiropractor for a year). After a couple years we decided to switch our plan a bit (but still with the same provider). That required us to go through underwriting again. This time I answered yes when it asked if I'd been on a prescription for allergies. You see, I'd been given a sample that I used for 2 days till I determined that what I thought was allergies was actually a cold. Well, they increased my insurance premium for that too.
Today, I got a letter in the mail saying that we have been approved for insurance by a company in Florida (our company from VA could not cover us here), but with a stipulation. My daughter's rate is going to be 150% of the normal amount because she's had multiple UTI's recently (and the increase is permanent). Well, guess what? She had them because the doctors at the urgent care clinics (in Florida I might add), were not giving her enough antibiotic to clear the infection so it kept coming back only a few days after being off the RX.
Jon has been doing research and figured that our policy would probably go up 100% or more just because most companies are doing that now. So, when I called the insurance company to find out what the premium would be (it was not included in the letter, so I was a bit worried), I was prepared for more than double what we were paying in Virginia.
Guess what? It was $11 per month LESS! Praise God! I'm still going to contest their rating of my daughter. In trying economic times like these, who wouldn't want to try to reduce their rates even more? God is good! Let me rephrase. God. is. great!
When I had my son, I was planning on going back to work because we needed my income (and my health insurance). The income from the contract meant that I didn't need to go back to work though. Which meant we were on our own when it came to health insurance.
I had a family friend who was a health insurance broker and he was able to help us find the best policy for us. I am a firm believer that you shouldn't lie. Ever. And omission is a lie too (especially on an application). This is where my hate, hate relationship comes started. When the underwriting form asked if I'd ever seen a chiropractor, I said yes. You see, I went to a chiropractor while I was pregnant. All of you ladies out there who've been pregnant probably understand. I saw a chiropractor every 2 weeks because I was driving 2 hours each way, 5 days a week. Do that with 15+ lbs strapped to your stomach in an uncomfortable car and tell me the underwriter wouldn't have done the same thing. Once I had my son and stopped the commute, I didn't go back.
For the most part, it was a good fit and the pricing was very reasonable (especially after I was able to contest the increased fee after not going to the chiropractor for a year). After a couple years we decided to switch our plan a bit (but still with the same provider). That required us to go through underwriting again. This time I answered yes when it asked if I'd been on a prescription for allergies. You see, I'd been given a sample that I used for 2 days till I determined that what I thought was allergies was actually a cold. Well, they increased my insurance premium for that too.
Today, I got a letter in the mail saying that we have been approved for insurance by a company in Florida (our company from VA could not cover us here), but with a stipulation. My daughter's rate is going to be 150% of the normal amount because she's had multiple UTI's recently (and the increase is permanent). Well, guess what? She had them because the doctors at the urgent care clinics (in Florida I might add), were not giving her enough antibiotic to clear the infection so it kept coming back only a few days after being off the RX.
Jon has been doing research and figured that our policy would probably go up 100% or more just because most companies are doing that now. So, when I called the insurance company to find out what the premium would be (it was not included in the letter, so I was a bit worried), I was prepared for more than double what we were paying in Virginia.
Guess what? It was $11 per month LESS! Praise God! I'm still going to contest their rating of my daughter. In trying economic times like these, who wouldn't want to try to reduce their rates even more? God is good! Let me rephrase. God. is. great!
Friday, August 5, 2011
Huge Sigh of Relief
Today I took my daughter to get an ultrasound of her abdomen. Yes, my 5YO daughter got a sonogram. The last few months she's gotten multiple UTI's and her pediatrician decided that we needed to make sure that 1. she hadn't damaged anything or 2. that there wasn't some underlying problem that was causing them.
As we were sitting there waiting, I looked around at all the other people waiting for their particular procedure. It's safe to say she was the youngest there by at least 20 - 30 years. Then it hit me... my 5YO daughter could have a serious problem... something that could require surgery, or worse, could end with her having a shorter life that I would like for her to have.
So what did I do? I said a quick prayer that everything would be ok. And guess what? Not only did I feel peace immediately, but the radiologist and her pediatrician both said she has a clean bill of health. Praise God! Not that we know exactly why she's been getting the UTI's, but at this point I could care less about that. I'm just glad that my baby girl doesn't have a serious malady.
Oh, and did I mention she had a great time getting "tickled" by the ultrasound wand and her big brother loved watching how it all worked. All-in-all a good (yet I'm sure expensive) day.
As we were sitting there waiting, I looked around at all the other people waiting for their particular procedure. It's safe to say she was the youngest there by at least 20 - 30 years. Then it hit me... my 5YO daughter could have a serious problem... something that could require surgery, or worse, could end with her having a shorter life that I would like for her to have.
So what did I do? I said a quick prayer that everything would be ok. And guess what? Not only did I feel peace immediately, but the radiologist and her pediatrician both said she has a clean bill of health. Praise God! Not that we know exactly why she's been getting the UTI's, but at this point I could care less about that. I'm just glad that my baby girl doesn't have a serious malady.
Oh, and did I mention she had a great time getting "tickled" by the ultrasound wand and her big brother loved watching how it all worked. All-in-all a good (yet I'm sure expensive) day.
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