Bought I new house I think

I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.The paperwork has to be
completed and the mortgage needs to be done, but I'm not expecting any
big issues. I may retire but perhaps will be able to work out a deal
with my place to continue working from Florida three days a week. I'm
a computer programmer so it doesn't really matter where I am.

I paid a lot of attention to how it would work for the cats. There is
a restriction of 2 pets per household but no one thinks that having
three will be a problem - certainly not unless I let them out. And
eventually I will let them out, somehow, since currently they can go
out into my fenced-in backyard and they like being outside.

My mom's neighbor has two cats and they do go out, but it's in a
pretty isolated part of the development so no one complains. I may
need to have some sort of patio built - without a floor, so they can
have plants to go under and grass to chew (and upchuck). But the
development takes care of most gardening stuff so if I do that then
I'll have to maintain it. I don't like that idea. I'll come up with
something..

Maybe I can let them roam free but I'm a bit worried about my
neighbors getting upset. I'll have to meet them and see how they'd
feel about it. The cats should stay close to home and they do have
tracking collars. I'm also concerned about the hawks of some kind that
patrol the skies over Florida. They're probably too small to attack a
cat but I'd rather not take the chance.

I certainly have to keep them in for a few months until they settle in
and realize that this is now home.

And I need to figure out where the cat litter will go - I have a
Litter Robot so it's pretty clean but there is also some noise when it
rotates. Plus they're used to their hiding places (under my bed or in
the basement) and they'll have to figure out new ones.

Well, I haven't bought it yet and even if I do it will take months to
get everything ready and sell my current house. I know that I'm going
to rent a van and take the things that are valuable or that I really
care about, so that's going to include the cats. It should be quite
the adventure.

"dgk" wrote in message
...
I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.

You "probably" bought a house ? Don't you know for certain?
I would know for definite if I bought a house. I knew I bought the one I
have because it took me 25 years to pay it off. You cannot buy a house
accidentally (unless you are a millionaire and won't notice)

On 2014-12-26 1:25 PM, Christina Websell wrote:
"dgk" wrote in message
...
I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.

You "probably" bought a house ? Don't you know for certain?
I would know for definite if I bought a house. I knew I bought the one I
have because it took me 25 years to pay it off. You cannot buy a house
accidentally (unless you are a millionaire and won't notice)




If the US is anything like Canada, a house purchase is only really
official after all the final documents are signed - which of course,
means also after all the financing arrangements are finalized. In my
experience last year, there were several steps after I "bought" the
house - made a more or less binding offer, which was accepted - at any
of which the whole deal could have fallen through. Under some
circumstances I would have lost my deposit, but the contract would also
let me out if further investigation revealed faults with the place or
its legal status, or my financing collapsed. Sometimes sellers put
conditions saying that they can cancel the contract if the offer they
have on their new place falls through.

So you buy a house, and still lose it if something goes wrong before
closing. You think you've bought it, but you really haven't.

--
Cheryl

"Cheryl" wrote in message
...
On 2014-12-26 1:25 PM, Christina Websell wrote:
"dgk" wrote in message
...
I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.

You "probably" bought a house ? Don't you know for certain?
I would know for definite if I bought a house. I knew I bought the one I
have because it took me 25 years to pay it off. You cannot buy a house
accidentally (unless you are a millionaire and won't notice)




If the US is anything like Canada, a house purchase is only really
official after all the final documents are signed - which of course, means
also after all the financing arrangements are finalized. In my experience
last year, there were several steps after I "bought" the house - made a
more or less binding offer, which was accepted - at any of which the whole
deal could have fallen through. Under some circumstances I would have lost
my deposit, but the contract would also let me out if further
investigation revealed faults with the place or its legal status, or my
financing collapsed. Sometimes sellers put conditions saying that they can
cancel the contract if the offer they have on their new place falls
through.

So you buy a house, and still lose it if something goes wrong before
closing. You think you've bought it, but you really haven't.

--
Cheryl.

It can still go wrong here here too. If your buyers think they've sold
their house to buy yours and their buyers dip out for whatever reason.
I decided not to move from my house to upgrade a long time ago. It's now
paid for. It's ours, mine and Boyfies home for ever. He likes it because he
is able to go out hunting in massive gardens. I like it because he can.
It's his favourite thing to go out and hunt around my chicken huts for rats.
But they have to be small otherwise he says "do you think I am stupid?"
Big rats have teeth that that go through concrete and I had a big rat that
almost took off a terrier's nose.
Boyfie takes out the small rats that prevent them getting bigger. If he
missed one and it gets big, he says "absolutely not, do it yourself and get
the terriers in" I'm with him on that.

On 2014-12-26 2:47 PM, Christina Websell wrote:

It can still go wrong here here too. If your buyers think they've sold
their house to buy yours and their buyers dip out for whatever reason.
I decided not to move from my house to upgrade a long time ago. It's now
paid for. It's ours, mine and Boyfies home for ever. He likes it because he
is able to go out hunting in massive gardens. I like it because he can.
It's his favourite thing to go out and hunt around my chicken huts for rats.
But they have to be small otherwise he says "do you think I am stupid?"
Big rats have teeth that that go through concrete and I had a big rat that
almost took off a terrier's nose.
Boyfie takes out the small rats that prevent them getting bigger. If he
missed one and it gets big, he says "absolutely not, do it yourself and get
the terriers in" I'm with him on that.

I thought I'd be in the old place the rest of my life, but I got to the
point at which I didn't want to deal with and more renovations and
repairs, or live in a two storey house any more. There were other
reasons to move, too, so finally I decided to sell the place for what I
could get and take the money and whatever I would have had to put into
more renovations had I stayed and buy an apartment-style condo - all on
one floor and in good condition and so not needing expensive renos. I
moved just a little over a year ago, and am very satisfied with my
choice, as complicated and nerve-wrecking as the whole process was. I
had expected to spend six months or more finding a suitable place,
because the area I wanted to stay in because of proximity to public
transportation (I have no car and didn't want the continued expense of
one) and my work and friends was getting a bit pricey, and of course, I
was also determined not to buy in or even look at a building that didn't
allow pets. When I found a place that was nearly perfect in my price
range, I gathered my courage and told the agent I wanted to make an
offer. Things moved really quickly after that - next thing I knew my
agent was asking me if I wanted to move by Christmas - I said yes, we
set the closing date, and I accelerated the massive de-cluttering of the
old place. I hadn't thought I owned so much junk! I was in my cozy new
place before the worst of the winter hit (and last winter was really bad
here!) and the old one sold a couple of months later. The buyer did all
the renos and recently put it back on the market.

The cats love the place. There are only a few rooms, but they're mostly
large and airy - mostly open concept, not something I would have
thought I'd go for, but I like it now. The windows are large and have
wide window sills for sitting on and watching for birds, and of course
they have a selection of soft warm places to nap. The tiny 'second
bedroom' (most of the space is in the main bedroom and the
living/kitchen/dining area) is set aside for their litter tray. They
don't have the option of getting out, but they didn't in the old place
either because of the amount of traffic, and are used to being inside.
Cinnamon never shows any interest in the door to the corridor, but Sam
slips out sometimes. One of these days, he's going to get a shock,
because he'll do it when the family with the husky-type dog is taking it
out for a walk!

--
Cheryl

On 12/26/2014 10:55 AM, dgk wrote:
I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.The paperwork has to be
completed and the mortgage needs to be done, but I'm not expecting any
big issues. I may retire but perhaps will be able to work out a deal
with my place to continue working from Florida three days a week. I'm
a computer programmer so it doesn't really matter where I am.

I paid a lot of attention to how it would work for the cats. There is
a restriction of 2 pets per household but no one thinks that having
three will be a problem - certainly not unless I let them out. And
eventually I will let them out, somehow, since currently they can go
out into my fenced-in backyard and they like being outside.

My mom's neighbor has two cats and they do go out, but it's in a
pretty isolated part of the development so no one complains. I may
need to have some sort of patio built - without a floor, so they can
have plants to go under and grass to chew (and upchuck). But the
development takes care of most gardening stuff so if I do that then
I'll have to maintain it. I don't like that idea. I'll come up with
something..

Maybe I can let them roam free but I'm a bit worried about my
neighbors getting upset. I'll have to meet them and see how they'd
feel about it. The cats should stay close to home and they do have
tracking collars. I'm also concerned about the hawks of some kind that
patrol the skies over Florida. They're probably too small to attack a
cat but I'd rather not take the chance.

I certainly have to keep them in for a few months until they settle in
and realize that this is now home.

And I need to figure out where the cat litter will go - I have a
Litter Robot so it's pretty clean but there is also some noise when it
rotates. Plus they're used to their hiding places (under my bed or in
the basement) and they'll have to figure out new ones.

Well, I haven't bought it yet and even if I do it will take months to
get everything ready and sell my current house. I know that I'm going
to rent a van and take the things that are valuable or that I really
care about, so that's going to include the cats. It should be quite
the adventure.

Best of luck for it all to go smoothly.

Jill

On 12/26/2014 9:14 AM, Cheryl wrote:
On 2014-12-26 1:25 PM, Christina Websell wrote:
"dgk" wrote in message
...
I was in Florida visiting family and probably bought a house in the
same development as my mother and cousin.

You "probably" bought a house ? Don't you know for certain?
I would know for definite if I bought a house. I knew I bought the one I
have because it took me 25 years to pay it off. You cannot buy a house
accidentally (unless you are a millionaire and won't notice)




If the US is anything like Canada, a house purchase is only really
official after all the final documents are signed - which of course,
means also after all the financing arrangements are finalized. In my
experience last year, there were several steps after I "bought" the
house - made a more or less binding offer, which was accepted - at any
of which the whole deal could have fallen through. Under some
circumstances I would have lost my deposit, but the contract would also
let me out if further investigation revealed faults with the place or
its legal status, or my financing collapsed. Sometimes sellers put
conditions saying that they can cancel the contract if the offer they
have on their new place falls through.

So you buy a house, and still lose it if something goes wrong before
closing. You think you've bought it, but you really haven't.


Exactly.

--
Joy Unlimited
Colorful Crocheted Critters
Photos at http://www.PictureTrail.com/joy9

You "probably" bought a house ? Don't you know for certain
If the US is anything like Canada, a house purchase is only really
official after all the final documents are signed [...]
So you buy a house, and still lose it if something goes wrong before
closing. You think you've bought it, but you really haven't.

England is like that too, but Scotland isn't. House sales here are
typically cast-iron final within hours of the offer being made.

This can come as a shock to people moving from England who think
they can back out of the deal.

-----------------------------------------------------------------------------
e m a i l : j a c k @ c a m p i n . m e . u k
Jack Campin, 11 Third Street, Newtongrange, Midlothian EH22 4PU, Scotland
mobile 07800 739 557 http://www.campin.me.uk Twitter: JackCampin

On 2014-12-26 7:12 PM, Jack Campin wrote:
You "probably" bought a house ? Don't you know for certain
If the US is anything like Canada, a house purchase is only really
official after all the final documents are signed [...]
So you buy a house, and still lose it if something goes wrong before
closing. You think you've bought it, but you really haven't.

England is like that too, but Scotland isn't. House sales here are
typically cast-iron final within hours of the offer being made.

This can come as a shock to people moving from England who think
they can back out of the deal.

I must say the agent I dealt with was very good and thorough about
explaining all the legal obligations. I bought the previous place
privately (without an agent) although I hired a lawyer to look over the
contract and take care of the title search and similar duties.

It turned out that he registered the property transfer improperly and
hadn't taken into account the fact that the fences didn't exactly follow
the property line. This caused a little delay when I sold the house, but
fortunately the registration was only a formality and the neighbours
were obliging about the discrepancy in the fencing (which was at the
most a matter of less than a foot, if I recall correctly, and mostly
less). Technically, since the fences much predated my occupancy, they
had been there long enough to be recognized as the legal boundary, but
I'm glad I didn't have to get the lawyers involved in that over such a
small discrepancy.

I'd gotten information on the relevant law when one of the other
neighbours, a developer who caused me a lot of problems, tried to make
me move one of the fences at my own expense. He couldn't do it.

--
Cheryl

It turned out that he registered the property transfer improperly and
hadn't taken into account the fact that the fences didn't exactly follow
the property line. This caused a little delay when I sold the house, but
fortunately the registration was only a formality and the neighbours
were obliging about the discrepancy in the fencing (which was at the
most a matter of less than a foot, if I recall correctly, and mostly
less). Technically, since the fences much predated my occupancy, they
had been there long enough to be recognized as the legal boundary, but
I'm glad I didn't have to get the lawyers involved in that over such a
small discrepancy.

Scotland has been so thoroughly surveyed and mapped for so long
that nobody would ever think a fence or wall had anything to do
with property lines - it's all on a chart in Register House.

I saw a photo in the Te Papa museum in Wellington that made me
think. It was of a fence that had been crossed at right angles
by an active fault. The line of the fence had a jag in it several
yards long where a quake had shifted half the farm relative to
the other half. I'm sure New Zealand lawyers have decided this,
but it isn't obvious to me whether you go by pegs in the ground
or latitude and longitude when deciding where boundaries are.

-----------------------------------------------------------------------------
e m a i l : j a c k @ c a m p i n . m e . u k
Jack Campin, 11 Third Street, Newtongrange, Midlothian EH22 4PU, Scotland
mobile 07800 739 557 http://www.campin.me.uk Twitter: JackCampin