Coffee heat rising

Makes HOAs look good…

…almost. There’s one in every neighborhood, of course: the nutcase or the malcontent who makes life a pain for everyone around him. Check out the story of this winner! How would you like to have him living next door?

HOAs have their drawbacks. But at least they can keep this kind of lunacy under control, simply by foreclosing on the lunatic.

In my experience, though, HOAs don’t head off every problem — and in some cases they cause the problems. Have you ever known anyone who served on an HOA board to say they liked the experience? Two of my friends have had endless headaches with neighbors who let hordes of cats run loose, in direct violation of the HOA rules. Nothing has been done to stop them, and in fact the violators have loaded the board with people who resent the rules and want to get rid of them — all of them, not just the loose pets thing. Kill-the-Beasters on the extremely local level, we might say.

Another couple lives next door to a woman who is batsh!t crazy and who does all sorts of stupid little things to annoy and harass them. She threatens to drive over residents who are walking in front of their homes (like much of Phoenix, the place has no sidewalks). She went a little overboard when she menaced a city councilwoman. But nothing came of it. With one exception — her boyfriend, who lives in the same development — all of the residents want her to subside or be forced to subside, to little avail. Fortunately, though, this one doesn’t paint her house in crazy colors.

HOAs are not for me. I don’t need another layer of government lording it over me and picking my pocket. So that lets out virtually all new construction: all the recent developments in the Valley are organized as HOAs, even though if you look at the real estate listings around the state, you’ll see NO HOA! all caps bold face featured in ads as a hot selling point for central city houses. A lot of people don’t want to live in an HOA. But the choices are slim, unless you’re willing to buy an older house in an urban area, or get a large plot of land in the boondocks and build your own.

I feel exceptionally lucky in having come to rest in this part of the ’hood. With one minor exception, all the immediate neighbors are quiet, and they all keep up their property. Those who are mentally ill are discreetly so.

The Perp owns two houses, one catty-corner across the street and one two houses down, in which he lodges his daughters. One, whom he used to call his Pretty Daughter, seems to have decamped — she was managing a fly-by-night nursing home he installed in another part of the ’hood, and it is generally believed she lives on the premises. Two young men, allegedly her “nephews” but more likely renters, live in Pretty Daughter’s house. They make a fair amount of racket with a couple of noisy three-wheelers that they like to tool around on, but not often and never for very long. Other Daughter dwells in the second house. Her schizophrenic husband moved out, and so the occasional dramas that would take place there have ceased.  Like her ex, whom she met while she was on an extended “vacation” to parts that her father would not name, she also lives on disability, and so most of us figure she also suffers from mental illness that precludes a steady job. She’s an exceptionally sweet woman…you wonder how she could have sprung from the loins of the Perp.

At any rate, both of those two houses are quiet and kept tidy. The other neighbors are very pleasant people who fit into just two categories: Couples who have lived here upwards of a two decades, raised their kids, and are aging in place; and young people who don’t want to commute, delighted to have found one of the only moderately priced tracts in North Central in which to raise a new flock of kids.

The part of the ’hood where my last house stood was not so perfect. The neighbors were an immediate cause of my desire to move.

The bunch across the street consisted of a young working divorcee who was trying to support her aged parents and a very difficult teenaged boy. They would park their cars all over the street — I got into the habit of backing into the garage because it I couldn’t back out of the driveway without risk of hitting some of the rolling stock. As the boy got older, he got nastier: he beat up on a girlfriend and I believe he also abused the old folks.

Then the couple next door to them, who were exceptionally nice people, sold to a violent nut case, given to throwing furniture through the front window. The day he got into a screaming fistfight with a contractor on his driveway was the day I decided to put the house on the market.

But there was also the “pastor” and his wife who liked to go off on months-long “missions” to convert the heathen overseas, during which they would rent out their house. One time they rented it to a clan of Gypsies (real Gypsies, according to the police), who turned it into a used car lot — parked used cars  with “FOR SALE” painted on them all over the yard and up and down the streets. Even though he evicted them when one of the neighbors found an address through his church and reported the happenings, it still was an annoying, property-degrading mess.

And there were the Russians whose teenaged boys could NOT be taught how to use a garbage can. The alley behind their house was always…interesting.

And the widow of the lovely man who died…he had taken care of her, as it develops, just as he had taken meticulous care of their home. She was bipolar, severely so, and couldn’t care either for herself or for the property. The place rotted away until finally she left — probably foreclosed. She was much liked by the neighbors, and so that was pretty heartbreaking.

And the “Contractor”: a self-employed loser who let the house where he was living go to rack & ruin. WHAT a mess. He had a dog that would come over the fence and attack my German shepherd whenever I walked anywhere near the place. As it developed, the former owner had stupidly carried back the mortgage when she sold to him. It took her almost two years to evict him, during which of course he lived there for free.

And the settlement house for indigent adults. They at least were quiet, and the proprietors sort of kept up the property.

And the couple who painted their house lime green. Hubby did this one day while the wife was at work. She told a neighbor that she was shocked…but she never did get him to repaint it to her taste. Fortunately, the front yard had a lot of shrubbery that blocked the view of the place.

LOL! All that local color has moved on, lhudly sing huzzah.

But the ultimate reason I moved — construction of the damned lightrail — stayed.

The city bulldozed an entire row of homes along Conduit of Blight Blvd — including one of the prettiest homes in the tract. The racket, dirt, and chaos that ensued went on for several years, and now, as we see, we have a wonderful train that freights drug-addicted bums straight into the ’hood. Because people in Richistan have money and concommitant political clout, the City built a rather attractive buffer zone, complete with a ten-foot-high decorative wall, along Conduit of Blight. But you still get the bums and the BONG BONG HONK HONK of drivers trying to clear the drunks and the stoners off the rails as the train bears down on them.

At the time, I actually wanted to move out of the hood: get as far away from the ill-advised train as I could. But I simply couldn’t afford anyplace comparable in an area where I wanted to live. Ticky-tacky suburbs are not my cup of tea, and Yarnell was just too far away and too ill-supplied with daily amenities (like, say, a grocery store and a gas station?). Then as now, a comparable house east of Seventh Avenue — anywhere east — would cost at least a hundred grand more than I could get from my house.

Satan and Proserpine had done a lot of upgrades to this house, and the cost was essentially an even trade. They did, it is true, misrepresent some of the things they’d done, so pulling out their DIY efforts, replacing them, installing xeric landscaping, and bringing the wiring to code added another $40,000 to the house’s price. But today, thanks to gentrification by the younger generation, the house is worth over $110,000 more than I paid for it.

And today, also thanks to a major recession that led to a spate of evictions followed by the present wave of gentrification, the neighbors are a LOT fancier. 😀

 

 

 

The Ineffable Charm of Inertia…

Complacency hath its charms…

The other day while holding forth about frugal habits, I reflected that another frugal trait is to live someplace that you can love. If  you really like where you live, you’re unlikely to pull up stakes and go in search of the “dream home.”

Moving is wildly expensive. The Realtor’s commission takes a huge bite out of your home’s sale price, leaving you with a whole lot less to buy another house. If you’re like me — your house is paid for and you have no intention of ever taking on mortgage debt again — it means you can’t move laterally into a house of comparable value unless you have several tens of thousands of cash dollars to throw into the deal. If you have to take out a mortgage, then the move costs you even more outrageously: in addition to a big chunk dropped into the real estate agent’s pocket, you will pay many, many thousands into mortgage interest, a debt that may not go away for 30 years.

So it behooves you financially to stay in place for decades, if not for the rest of your life.

In that line of thought, I wondered why would I ever want to be anywhere else? What we have here is a beautiful little house, not too work-intensive and not absurdly expensive to maintain, centrally located, and (despite a few drawbacks) smack in the middle of a neighborhood on the upswing. Most of the time (except when the breeze wafts the racket from Conduit of Blight and the freeway in our direction, except when the drag racers are roaring up and down GangBangers Way, except when the helicopter cops are chasing perps, except when the City and the utility companies are digging up the streets), it’s nice and quiet. The upscale commerce that followed White Flight to the suburbs has noticed the affluent young urbanite set and is moving back to our parts. Is this not the best of all possible worlds?

Yes…but Dr. Pangloss: is this the best of all possible worlds, or is it a kind of pyrite-plated inertia?

Two houses in the ’hood, one of them the same model as mine and one the same square footage on a slightly smaller lot, are on the market for four times what I paid to buy into this tract.

Shake it up, baby?

If I sold my house today, I would net (in theory) enough to move to a quieter, less bum-ridden part of town, far away from the inane lightrail and the crime-infested apartments and the schools that serve the hapless children of the crime-infested apartments and the child molesters who jump your back wall to get at your little girls and the grocery store parking lots where you dare not carry a purse over your shoulder as you scurry from your car into the market.

There aren’t many places around here where I would rather live, not that I could afford. But there is one. Way to hell and gone on the far side of the Valley, bordering the highway to Payson, is a development called Fountain Hills.

It is very, very quiet and very, very upper-middle-class. I first noticed how quiet a couple decades ago, when Anna the German Shepherd was a pup. That dog was just flat wired to the teeth. She was like a grenade with the pin pulled out…at all times. Anything, and I do mean anything, would set that animal off. Especially if it had wheels.

For some reason that I don’t recall, I happened to have Anna with me in the car when I happened to wander into Fountain Hills. She needed to relieve her doggy self, so I stopped next to an arroyo to let her out. As she was sniffing around, along came a couple of golf carts laden with enthusiasts.

Uh oh! thought I. Here it comes… I tightened my grip on the heavy leather leash and braced for a 90-pound lunge.

But no! She was calm. She was quiet. She refrained from flying into a berserk fit. She just stood there quietly and watched those fascinating, usually enraging objects roll past.

Sane (relatively, sort of) dog

Before long, it became clear she was calm in general. A car drove by and she didn’t try to bring it down by the oil pan. Somebody walked by with a dog and she didn’t try to rid the earth of the beast. Eventually I realized this was because Fountain Hills itself is quiet.

Where I was living at the time, a couple blocks away from the present abode, was a few lots southwest of the War Zone at GangBanger’s Way and Conduit of Blight Blvd — sometimes it was so noisy there that SDXB and I actually had to shout to hear each other when we were sitting outside in the backyard. The ambient noise, evidently, was driving that dog batshit.

It’s a lot quieter here in my present castle — as long as the wind blows in the right direction. Sometimes the noise is annoying, but most of the time it’s tolerable. Fountain Hills is just about the only place — other than Sun City, which enjoys the silence of the mausoleum — where you a) can find that kind of peace and quiet and b) can afford to buy a house.

Despite the presence of some startlingly priced real estate, it does sport a few houses that I could afford. Here’s a sweet enough little place, whose price is eminently right. That shack costs less than I would net on my house, it’s smaller than mine and so would cost less to air-condition, and even though it has some flowers and a fantastic view, the exterior would cost a fraction of what mine costs to maintain. There’s no pool, no trees, and the ground is all gravel.

Fountain Hills has a few disadvantages:

Most of the housing is cheaply built, as you can tell from the cheesy dry-wall shelving in the shack above; anything built after 1990 is pyrofoam and plaster.

There’s no gas service out there, so you’re stuck with a glass-top electric stove,  IMHO inadequate and unsafe.

It’s way to hell and gone away from everything. Though it’s relatively close to the Mayo Clinic, the only other serious services and shopping are in Scottsdale, which is a drive.

It’s so far away, I would be isolated from my son, from the choir and the church, and from my present set of friends.

I hate that tacky fountain they’re so proud of.

Even though the scenery is spectacular and the air appears to be clean, it boasts the highest ozone levels in the Valley.

If it ain’t broke…

So IMHO, inertia does have its frugal charms. Everything, whether it’s housing or your dogs or the city you live in or your spouse, presents trade-offs.

One of the charms is that it’s a lot cheaper to stay put than it is to move. Maintaining and upgrading this place would cost no more, over the long run, than forking over a commission on several hundred thousand bucks, paying a moving company to haul my stuff to the far side of Scottsdale, paying furniture stores to replace the stuff the movers break or lose, and fixing or upgrading some aging shack. Probably the routine cost of gasoline alone would make it totally not worth moving way to Hell and gone out there.

5 Tips for Making your Rental Property More Profitable

Looking to turn a higher profit from your rental this year? There are many ways to do this, if you implement your plans strategically and you are willing to invest. Below are five tips for making your rental profitable.

  1. Invest in Curb Appeal. The amenities within and outside of your property are an immediate turn on or turn off for potential renters. It’s simple—you just can’t raise rent unless the property appears worth it. For example, your building’s walls may need a fresh coat of paint. You could lose money and turn off candidates if they see that your walls are bright pink. Remember: what looks good to you does not look good to everyone. Always be safe with neutral colors because it allows the tenant to imagine their space without distraction. You want them to easily picture how they want to arrange their furniture and belongings. What’s more, potential renters will recognize if you are cheap. Do yourself a favor and invest in where it counts, whether it be the walls, flooring, kitchen and bathroom amenities, or cleanliness.
  2. Minimize Turnover Time. There are many ways to your properties occupied. The easiest way is to extend the length of your lease. Turning your property into a one-year lease instead of month-to-month will decrease the time and money it takes to advertise and show the property. Another way to do this, is to match the price of your area. If you do not have any features to offer that make your building unique and incredibly tempting—such as a prime location, or state-of-the-art kitchen—it will not be easy to draw in higher-paying tenants. Rental properties are always in demand it they come at the right price. Feel like you’ve gone too long without a single viable potential tenant? It may be time to lower your prices. Most landlords lower their rent to just below the market price in situations like these, and this could be the tactic to get your vacancy filled.
  3. Raise Rent. Contrary to the option above, there may be ways you can also raise the rent. In order to do this, you have to be strategic. One tactic is to raise the rent as the lease ends. If your current tenants are loyal and want to stay, they will pay slightly more. They may consider that the time it takes to look for a new rental is not worth it, or they may realize that moving may be too expensive. Over time, for instance, the fees of the Home Owner’s Association may force your hand to raise rent. You can also time the replacement or updating of certain features around the end of the lease. Doing so will encourage your tenants to stay, and persuade them to stay in their subtly renovated rental.
  4. Enforce Leasing Policies. This is especially true of late fees. This is important for two reasons: first, your tenants need to respect you as a landlord in order to keep your property protected; and second, you need to make sure you maintain your revenue stream so you do not find yourself in big financial trouble. One way to prevent this is to charge a late fee. Your tenants need to know that they are your landlord, not your friend. Be sure the tenants understand that they will be charged a fee if they do not pay on time. After all, they signed a contract that said they were financially able and responsible enough to pay, and they are bound to that contract. They need to know that this is a business, and they have a job to follow through on. The best way to prevent issues is to check if a tenant has ever been evicted. Past instances will be indicative of the behavior you can expect in the future.
  5. Offer services. If you own a single unit rental with a garden, offer a gardener at a higher rental price. Not only does it keep your rental looking nice, but it will appeal to tenants who want to live in a nice home. Or, if you own a multi-unit property, install washers and dryers—either stackable or coin-operated—and they will pay for themselves. Many tenants do not want to spend all of their time at a laundromat on a Saturday, so having washers and dryers on the premises or in the unit will be considered a luxury especially if these services are rare in the area.

WooHoo! The Refinan¢e Apprai$al Is IN!

So the appraiser showed up the other day, after my son, a housecleaner, Gerardo’s crew, and I spent two days sprucing up his house and yard. He’s trying to refinance the downtown house, to escape the scheduled balloon payment inherent to the 30/15 loan he took out when he moved down here from San Francisco.

I’d helped him to qualify for that mortgage, figuring he’d be here about five or six years and then (as he planned) would go back up to the City.

That was before the Crash of the Bush Economy… As you know, we lost our communal shirts in that, six ways from Sunday.

We did manage to hang onto the house, though, even though we sank underwater to the tune of about 80 grand.

So over the past eight years, the economy has turned around, people have jobs, young folks are buying houses again, and his neighborhood is once again gentrifying.

It’s all Obama’s fault, of course…

Seeing that interest rates were about to rise, M’hijito managed to lock in a low rate through the credit union…something like two days before the Fed raised its rate. All we’ve been waiting on was the appraisal.

Last time we tried this, the appraisal came in well below what we felt the house was worth. The cost of the refinance struck him as too high, and the fact that the appraisal made it look like we didn’t have 20% equity in the house (we’d put 20% down at the time we bought!) meant he’d have to pay mortgage insurance. That irked him so much he declined the deal.

This time he got much better terms for the loan. A-n-n-n-n-d…

The house appraised for $300,000.

YES!

That’s $65,000 more than we paid for it, and about $145,000 more than it was worth at the bottom of the Bush Recession.

Meanwhile, just down the street from the Funny Farm, a house that’s the same model as Wonder-Accountant’s just went on the market. Hers has the same square footage as mine, and both of our places are on larger lots than said new offering. They want $395,000 for the shack!

Holy mackerel. I paid about the same for this place as M’hijito and I paid for the downtown house. So…kaching kaching…let’s imagine the seller extracts $385,000 from some sucker. That would put the value of my shack at $150,000 more than I paid for it.

Wow!

Welp, the value of this place is really neither here nor there for me, except insofar as it affects the property taxes. But where my son’s house is concerned, the assessor’s valuation is a HUGE relief.

It means my son will not have to worry about being turned out of his home when the present loan matures, only a few years hence. If interest rates rise back to their historic norms, there’ll be no way he could afford to refinance what he owes for that place. At 4 percent, he can pay for it; at 8 percent…not so much.

So he should be in pretty good shape indefinitely, assuming he hangs onto his job or moves into a better one. If he chooses to move back to the City — or to Oregon, where some of his friends are, or to Idaho, where he figures there’ll be more water in the ongoing drought — he will be able to sell the house without a back-breaking loss. Who knows? He might even make a little profit on the thing.

Some day.

Happy Days? Here Again?

Hand holding chalk dollar growth chart on green blackboard
Hand holding chalk dollar growth chart on green blackboard

Welp, the stock market has gone SO berserk on news (presumably) of a bullying egotist’s election to the White House that happy days appear to be here again.

Yes, again. This month’s statements from my financial advisors show that my big IRA alone earned so much last month that the increase absorbed this year’s RMD (required minimum distribution) rip. The increase covered the entire $28,314 gouge with seven grand to spare.

Wow. Just wow. What else can one say?

Well. I could say I’d feel a lot happier about this if I didn’t suspect it ultimately will come at the expense of the American republic and of our children and our children’s children. But hey… let tomorrow take care of itself, eh?

Right.

Problem is, o’course, “tomorrow” is just a few hours away…

The credit union estimates that the downtown house M’jihito and I bought ten or twelve years ago (thinking he would live here about five years, get back on his feet after the penultimate recession, and then move back to San Francisco) is now worth about $35,000 more than we paid for it.

That’s nice. I guess. Well…except…

a) That ain’t what I’d call a grand return on investment (considering that we had to put about 40 grand into it to make it habitable…), especially after something over a decade.

But…

b) At least we’re not underwater anymore, lhudly sing huzzah.

My son is refinancing the loan, which as some of you will recall was a 30-15 deal…because we thought he would be outta there long before the 15-year balloon came up, and we thought we were buying at the bottom of a downward-heading market.

What we thought was…so magnificently wrong.

The credit union locked in a very good rate just before the Fed raised its rate, causing mortgage rates to jump. So if he gets this loan, he’ll be pretty well set.

He’s writing me out of the loan, even more lhudly sing huzzah. This means that if anything happens to him, God forbid, I will no longer be on the hook for the debt. If he goes belly-up (highly unlikely, with this mega-frugal kid), I will not have to pick up the mortgage. If he croaks over (hello, God? let’s repeat that: FORBID, got it?), I presumably will inherit the house but not a hundred grand worth of toxic debt. I would probably break even on the sale of the place.

Sort of. I’ll continue to contribute, since without a wife or a partner he would have to strain every gut to afford the house payments. Financial Advisor points out that in his misspent youth he earned exactly what M’hijito earns and he could’ve covered those payments…but the youthful FA did not live in 2016. Nor did he face a future probably devoid of Social Security and Medicare.

It’s such a pretty little house, historic in its years. Mid-century middle-class tract housing, from back in the day when America had a middle class.

(Think of that!)

He invited me and the pooches over for dinner last night, whereinat he created a pretty awesome home-made chef’s pepperoni pizza. With the gorgeous mahogany French doors and the solid mahogany front door standing open (we built a courtyard in front to slow the dog’s escape and add some “charm”), on a balmy Arizona winter night the place was just beautiful. If I could afford the utility bills, I’d love to live in it myself.

Ain’t a-gonna happen, though.

It’s in the Arizona Public Service power district — APS is just freaking rapacious. His house is much smaller than mine, he has a swamp cooler, and he’s penurious in his use of energy, but his power bills exceed my summer bills by upwards of a hundred bucks a month. I know I couldn’t afford that…so (God — listen up! — forbid) if anything should happen to him, I couldn’t even begin to think of selling my own house and moving in there.

In the bidness department, it’s been a busy week. We have a very  large project in-house — 475 pages, deadline January 31: the product of god only knows how many individual academic contributors, each of them fond of footnotes and references. Two proposed indexes came in; one sounds easy enough that I could probably manage it around the other project, assuming The Kid handles at least some of th’same. Together, they would bring in enough income to cover two months’ worth of target income for The Copyeditor’s Desk.

Which sounds nice until you realize we got hardly any work at all through the summer doldrums.

Alors… speaking of werk, now that the bedding is washed and several days worth of food is cooked and financial data (some of them) are entered and the hair is washed and set and the bathroom is cleaned and the kitchen is cleaned and the dog hair is laundered out of the dogs’ bed blanket and the pool filter is cleaned and the correspondence is tended to and a Christmas present idea is investigated and I still need to paint my face before tonight’s social event, it’s time to knock off the blogging.

And so, à demain…

Got a plan to hang on to whatever ill-gotten gains you’ve accumulated in the (no doubt brief) wake of the Trump triumph?

Image: DepositPhotos, AndreyPopov

Derailed Day

Well, a LOT got done today. But none of it was anything planned. All the schemes on the schedule for this day were totally derailed.

All I wanted to do was paint the east wall. Yesterday I bought a gallon of good-quality paint at Dunn-Edwards, plus a roller designed for use on cinderblock.

Some years ago, Bila the Bosnian Painter (my favorite painter) covered the Funny Farm in the color I craved. He repaired and painted the trim. And all was well. Toward the end of the job, I reminded him that I wanted the wall facint the road along the east side painted to match the house. He’d…well…sorta forgotten about that and was running out of paint. So he diluted what remained and sprayed it valiantly upon the wall.

It looked OK. For a few months. But shortly it started to fade. A couple of strokes where he’d squirted it especially exuberantly with his sprayer retained the color, but mostly it looks like somebody tried to tag it with graffiti. Altogether lacking in panache. So: today was the day to get rid of that.

But.

I overslept. Didn’t get out of the sack until 7 a.m., about two hours late. Then, stupidly, I started the day by farting around on the Internet: reading the news (such as it is), answering the emails, screwing around on Facebook.

Facebook has got to be THE biggest timesuck ever invented by the mind of Man.

At some point, I stroll out in the garage, and out of curiosity decide to see whether the defective hatchback gate on the Venza has decided to work today.

It has not.

In fact, instead of JUST not working in the punch-a-button automatic mode, it now is unusable in the manual mode, too. If you open it manually and stick your head into the back end of the car, the damn thing closes on your neck.

Back to the Internet. Cruise around for quite some time before I find the symptoms described, not in any official way but only by other hapless Toyota owners.

(You may be sure I will NEVER buy another Toyota again. I probably never will buy another car again.) It’s either the struts (cost to repair: $3,000 to $4,000) or the lift motor (cost unspecified).

I do not, do not, do NOT ever want to deal with Bell Road Toyota again.

By now it’s around 10 a.m., so I call my  mechanic, Chuck. Reach his partner, Pete.

Can they work on the car on the extended warranty?

Not sure, sez he. Depends on who the warranty is written with. This is not specified in the effing crooked paperwork.

Call Camelback Toyota. Get the service manager there. I say I bought the car at Bell Road and never want to do business with them again. Like everyone who has ever heard of Bell Road Toyota, he laughs and says ,”Yeah, I hear ya!”

Bell Road’s reputation precedes it…. Too bad it didn’t precede into my precincts before I bought this car there.

He says that for the repair to be covered, I have to have bought “Platinum” coverage. This of course sounds like an excuse not to cover it. He agrees the struts cost three to four grand; if it’s the motor, says he, that’ll be around $2,500. I say I’m living on Social Security and can’t afford that, so if it’s not covered, then I have a “new” car from Toyota that will always be defective. I mention Funny about Money; I describe the number of readers who see it, by subscription, through Facebook, and through Twitter, and I suggest yet another report on the Venza interlude is not the best thing for Toyota’s good name.

He says, “WAIT, DON’T HANG UP! Give me the VIN and I can find out what coverage you bought.” I figure there’s a good chance I did shell out extra for this, because the SOB who tied up my entire afternoon high-pressuring into every extra charge Toyota could dream up probably added that on.

Camelback Toyota guy rummages through his computer and says it looks like I probably have the coverage. (I read this to mean “I’m going to talk my boss into covering this, if I can, on the grounds that it will support the company’s goodwill.”) We agree that I’ll bring the car in on Tuesday for them to figure out what’s wrong with it and decide whether they’ll do the job as warranty work or if they’ll try to give me another royal screwing. If the latter is the case, then the car will just go through the rest of its life without a functioning back hatchback door.

Fvck.

By now it’s around 11 a.m. I haven’t even had my customary pot of high-test coffee, to say nothing of anything to eat. I’m too effing mad to eat, though.

But the dog food is running low and I should’ve made a new batch yesterday so I decide to haul the bag of defrosted pork out of the fridge and cook up some more chow for the corgis.

I grab the baggie full of pork and…S-L-O-P-P-P!

Red, bloody juices squirt out of the Ziplock bag. A lake of red bloody juices spreads across the glass shelf occupied by said baggie. It cascades down the inside walls and floods the shelf below, and from there drips down the back of the fridge to puddle on the ledge behind the produce drawers and drizzle down into the bottom of the refrigerator, soaking the styrofoam thing behind the produce drawers.

What. A. Fvcking. MESS!

Most of the refrigerator now has to be taken apart and sanitized.

This chore occupies the better part of an hour. But — look on the bright side! — it does force me to collect and throw out a lot of unidentifiable rotten stuff.

That’s good.

I guess.

Now I get on with cooking the dog food. This is not a difficult job, but it’s messy. And just yesterday the kitchen counters were scrubbed clean and polished to a high glow. By the time I finish, of course they’re covered with grease. So I not only have two dirty pans to scour and the food processor bowl to wash and the giant mixing bowl to wash, I also have to clean and polish the tile. Again.

Residing in the blood-washed fridge, not yet spoiled, are the remains of a roast Costco chicken carcass. Royally tired of meals from this tasty but oversalted treat, I decide to cut off the meat, run it through the food processor, and add it to the dog food.

This almost doubles the amount of food today’s creation yields. But in the process of course I cut myself with an ultra-sharp kitchen knife. While I’m elbow-deep in meat. Cooked meat. But still. Meat.

I soldier on till the job is done. Then head back to the bathroom, un-bandage the other cut finger (which also has been bathing in bloody pork juice and chicken grease), grab the antiseptic wash the Mayo Clinic gave me, and scrub the bejayzus out of my hands. Apply new bandages to cut fingers. Pray (or whatEVER) for the best.

Clean the kitchen.

I still haven’t had breakfast.

Nor, BTW, have I performed my most recent self-appointed regime: the daily dog-hair cleanup.

Realizing that one could theorize that part or all of the old-lady vertigo I’ve been enjoying could be blamed on allergies and the resultant stuffy head that has plugged my ears to the point where I can barely effing HEAR, a week or so ago I threw out the 10-year-old pillows, replaced them with new uncomfortable pillows, washed everything on the bed and subjected it to mite-killing ironing from a Shark set at “blowtorch,” cleaned the floors until you could eat off them (safely!), and took it upon myself to run the dog-hair-catching bed throw through the dryer EVERY day and, also, EVERY day, to dust-mop the floor with a microfiber rag.

This has made a huge difference. As we scribble, I’m Benadryl-free and nose-squirt free, I can breathe, I can hear, and my head is not spinning anymore.

You would be ay-mazed at how much dog hair and dust settle on a tile floor in any given 24-hour period. Yesterday the floor was not only dust-mopped but vacuumed and wet-mopped. At around noon or 1 p.m. today, this is what came up…

doghairYuck. No wonder my head has been stuffed up. You can’t even see the skiff of dog hair in this image.

Fixed breakfast/lunch. Really didn’t have much in the house to eat. Did not feel like eating at all, much less scarfing down the usual mid-day feast. Microwaved two pieces of high-end “Sunday” bacon (reliably delicious) and fried up the rest of the frozen hash browns (reliably fattening). Consumed the desired swill of coffee.

Pal who’s a mortgage loan officer surfaced on the phone. He’s trying to get ahold of M’hijito. I and said Mortgage Pal are trying to move the kid to refinance the downtown house NOW GODDAMN IT BEFORE THE RATES GO ANY HIGHER.

The house has a 30/15 mortgage on it. We signed up for this instrument back in the day, before we realized the economy was skateboarding toward Hell and when we thought we were getting the place on the downtick, yea verily maybe at the bottom of the market. We figured M’hijito would stay here for a three to five years, until he got back on his feet; then we would sell the house, he would repay my grubstake, and he would have enough saved and in profit from the sale to go back to San Francisco, where he belongs.

Wrong.

Wrong.

And Wrong.

We still own the house. He still has his miserable job. He has no hope of ever being able to return to the City, where housing prices are so far out of reason that Donald Trump Himself couldn’t afford an apartment there, and he has despaired of ever getting another job worthy of the astronomically expensive elite college degree that he possesses.

It now looks like he will still be living in the house when that 15-year balloon comes due. And Mortgage Pal and I are dead certain that the crazy low interest rates will be long gone by then, and historically “normal” rates will be back.

Let me put it this way: when I bought my last house, my Realtor and I were beside ourselves with JOY when I wangled an 8.25% rate. We thought that was almost too good to be true. The ex- and I had paid rates as high as 13%, though 11% was more typical.

That’s t.y.p.i.c.a.l…

Getting the kid off the dime has been a bitch of a challenge. This afternoon in chatting, Mortgage Pal (who’s almost as venerable as I am) realized that 11% rates are outside the range of the next generation’s experience.

They just don’t get it. They don’t understand that the low rates we’ve seen over the past many months are FREAKING BIZARRE, and that one of these days (soon, with Trump in office) we will see rates go back to historically “normal” levels. Which ain’t gonna be 4.75%.

Hassling back and forth between those two consumed a fair amount of the afternoon.

Have I painted the wall?

No.

Have I taken the dogs for a walk today?

No.

It’s almost dark. I better go do that…