The Friday gathering – Updates and cell phones
I’ve received a number of emails from readers asking about the status of our move. First let me say thanks. I am always overwhelmed at how much you guys care about my life and what’s going on. I also have a number of reader’s who’ve said they are praying for my family and me so that everything goes smoothly.
Update on our move
The closing date is set, October 23rd. The current plan, assuming I find a moving company that provides an estimate within my budget, is to have them load us up on the 22nd. We’ll drive to the mountains that evening and stay at our in-laws place for the night, close early the next morning, then meet the movers at the new house. That schedule will make for a busy few days, but honestly we can’t wait. We’ll spend the next few days unpacking, signing the kids up for school and getting my office set up so I can begin work the following Monday.
Many of you have also asked about our loan approval given the current state of our economy and the credit lock down the banks are going through. Well, to be honest, I had no problems. I am approved for a loan for 95% of my homes value with a 5% down payment. We’ll be putting down more than that, hopefully at least 20% and maybe a little more. I received my pre-approval on the loan with 2 days of applying and signed and returned our commitment letter from the bank last week. Assuming the house appraises, we’re good to go.
Our current home still hasn’t sold. We receive 1-2 shows a week, and our neighborhood now only has 11 homes for sale. We remain hopeful that the house will sell, although the reality of it possibly taking longer than we had hoped is beginning to take hold. Don’t worry though, we’ve planned for that and won’t be in a situation where we can’t pay the mortgages.
I’ve started a few more online stores over the past few weeks in order to beef up my revenue stream. My wife and I have also finally started writing some reviews on her reviews site, Review Mommy. So far they are doing well and are contributing to our plan for alternative income and diversified income streams.
I’ve also signed up for PPC-Coach, a pay per click (PPC) coaching program that coaches you through the process of learning to become a PPC marketer promoting affiliate programs. So far I’m learning a great deal and the information in the program is incredibly detailed. I’ll keep you posted on my efforts and hopefully my profits!
Our cell phones
Here’s where I am hoping you guys can help me out a bit. We currently have cellular service through AT&T. AT&T does not have very good service in the area we are moving to and as soon as you turn off the main road to head the 3 miles up to our house, the service ends. No service at our new home at all. Verizon on the other hand has great service in the area and my real estate agent uses Verizon. When he was at our new home, he had 5 bars of signal strength. So as much as I dislike it, we need to switch to Verizon.
I called AT&T the other day to see what it would cost to get out of our contract early. My wife and I have contracts that expire in 2009, but my son whom we recently added (before we knew AT&T had terrible service up there) has almost a full two years. I called them in hopes that they would let us out early since they didn’t provide good service in the area. I was even willing to split the cost with them. Their answer? “We only waive contracts for military leave or in the event of death. No exceptions. You might want to consider a signal booster, you can find them on eBay”.
Not the response I expected. So I hung-up, not wanting to “negotiate” with them just yet. I wanted to spend some time researching and also get some feedback/suggestions from you guys on how I should handle this situation. Anyone have any tips for how to get out of a cell phone contract early? If so, please add a comment or contact me directly.
Carnivals this week
I only participated in one blog carnival this week, the Carnival of Money Stories hosted by Funny About Money. Head over, there are some great stories included. This is always my favorite carnival. It’s never too big and I always enjoy reading the personal stories and perspectives that people share.
- Plonkee has a guest author that asks if joint finances necessary. I don’t think they are necessary, but highly advantageous. Seems it’s advantageous when one of you is working towards a green card too.
- Wachovia the Latest to Fall. Another one bites the dust. I’m a Wachovia customer and sure hate to see this happen.
- 9 Cheap and Easy Ways To Prepare Your Home For Winter – Yep now’s the time.
- 10 Things To Do To Sell Your House – Excellent tips!
- Drama in Real Life: Foreclosure! – JD interviews his brother who is in foreclosure. Scary stuff!
- Before You Sign That Rental Agreement…
- My Debit Card Number Was Stolen
- Combining Finances When Getting Married.
- Limit Spending By Shopping Consciously
- What Is Short Selling? – Something I hope I never have to do!
- Six Secrets to Saving Money When You Are Young
- The Only Thing We Have to Fear Is Fear Itself – I think this is a great perspective on the current situation and one I agree with completely.
- Woman buys abandoned house for $1.75 on eBay – Ha, what a steal. Now she does have to pay $800.00 in back taxes and yard maintenance, but still!
Photo by: Mrs. Gemstone