Chris, I would be interested in any tomato seeds that you may have extra of. My hubby and I were just talking about what to put in the veggie garden last night. My family likes canteloupe, watermelon, tomatoes, cumcumbers, and green beans. Would be interested in anything unusual, fun for the kids! But if you've got everything ready for Patty, or have it mailed, please don't worry about me!! I wasn't able to send to everyone either. I really wanted to though!! Patty, I'm going to have my daughter mail off my seeds today. I'll post when they've made it to the P.O. Have a good day everyone! Karen

Glad to hear that everyone is happy with what they received back! I am down to the LAST THREE ENVELOPES!!! I have 10 ready to mail this morning: Rollinrockell Foodeefish Elvimiller Thismembername Moonfire Nak10 MissyGA64 Trickfox Plus the last couple packages from THP folks. It is such a relief to be winding down the swap. I love being able to fulfill wishes! Makes me feel a bit like Santa Claus, LOL, but I am ready to focus on getting the garden ready for planting. Well, as soon as it warms up a bit. Right now, it's 16 degrees outside. It's supposed to reach 50 by the weekend though. Come on spring!!! Thank you, EVERYONE, for participating in the Pick-A-Peck of Peppers swap! Your hostess, Bonnie

I would love to see Chris be able to join us in this swap as so many others seem to agree. (I read a little further and see that she's in... WELCOME, CHRIS! You're gonna have a great swap with us!) Amy (morguegirl) - I would love to grow those Guyanese Peas, if you don't mind sending some in for me. Thanks so much for posting the offer! They sound very interesting! Mark (markcase1964) - If you're sending more in to Patty, I saw that you had Black Walnut, Native Pecan, and Jerusalem Artichoke available before. Do you still have some of those that you could send in for me? David (intelkid) - I sure hope you decide to stay. It seems that others that thought they didn't have much were still able to fill some wants when they posted and were able to participate and get things back that they really want. I think it'll be fun, and you'll enjoy it if you stay! (As I read more posts, I see stage_rat has offered very generously to assist you! Wow! It amazes me over and over again, how wonderful the GW'ers are! Welcome back, David!) Happy New Year everyone! Blessings, Angela

Alrighty, let me see if I can answer you guys in order. NCRealEstateGuy, I gave the buyer all the information you gave me and thank you for that. I am not sure what he's doing with it. I got scolded on here before for trying to help my buyers get a loan. Trying to hold their hands and being too much in their business. So I didn't ask. We are not under contract yet. He called me today to let me know things are progressing. Sweet tea, he applied for the transfer and is waiting to hear. Don't know if he asked his bank about the letter. I suggested it. Yes Bill, the difference is the banks AND the market. Yes, multiple people told me the banks would want more than 20% but that was not for my original buyer. That was for my second buyer. After HE was rejected. After I lost the original buyer, I did what you're supposed to do and I called banks and asked them what they required. I told them I was attracting a lot of out of state people and at least one of them was self employed. They told me what he'd need. They told him what he needed. He got pre-approved. We went under contract. Later what the bank said he needed changed. That's why I lost him. It really had nothing to do with his house NC when it comes down to it. He was not coming out with as much money as he originally expected because of the flood insurance issue with his house. But at first that wasn't a problem. It wasn't a problem until the bank changed its criteria from him needing 20% down and one year's worth of mortgage payments in escrow to 40% and one year's worth of escrow payments, that it became a problem. Now he was short--he could only come up with 35%. The bank knew his whole situation being self-employed and relocating from the start. That was the purpose of the mortgage payments going into escrow. He was not starting a different business, just relocating his same business. But they knew all that. That's the point. We told them. Who knew you couldn't count on what the bank employee says? Now I know. And that's the point of this board. Not to constantly be picked on for being a for-sale-by-owner. Not saying that is specifically you NC. And what do you mean you put your own hardwood flooring in? How long do you think that's going to last? Ha! Funny you should say that live_wire_oak, because no, I don't have a note on my house. I paid for it with cash. All my vehicles except one were either paid for with cash or paid off early. Credit cards paid in full monthly. Yes, you're right, credit is a tool and I use it wisely. I will be paying off my only truck loan asap. I'm the customer. I'm a good customer. I don't really NEED them. I guess if you want to split hairs some buyers might need them. But I don't even really NEED to sell this house. I received more than offers. We were under contract. Why does the word "buyers" bother everyone so much? Okay, let's call them "pre-buyers,"--they're more than lookers, they're more than interested, they're more than people you are negotiating with--you are out of attorney review, you are under contract, but you haven't closed yet. So how about "pre-buyers?" No harm in interviewing realtors because that's what I did before I even put it on the market. There is nothing wrong with my price or my marketing. In fact, I just saw the agent who gave me comps, an expert in the area who specializes in horse property and she could not believe the action I've had on this place. I've been under contract three times, once for the full asking price, twice for close to it ($3,000. under) and I have a fourth one cooking. All in about eight months. I hate sounding like I'm bragging but some of you keep on insinuating that I am doing something wrong because I'm a FSBO. My problem is the banks giving someone a mortgage! I know this is not a vanilla kind of house and I know that's all they're giving out loans for--vanilla houses being bought by vanilla buyers. That's what I'm saying! That's what this post is all about! How the banks are over-correcting and making it almost impossible to get loans unless they are absolutely perfect and there's no risk whatsoever involved! And all I wanted to do was vent about how hard it is nowadays and maybe get some board buddies to shake their heads and say, "I know, it's a nightmare out there." Chrisdoc, I swear I have gotten at least two dozen people asking me if I'll hold a mortgage or rent with option to buy. More evidence people can't get loans. I can't because I'm using the money for my next place. And Live_Wire, the banks can go jump off a bridge because even though I could afford a mortgage, I'm not getting one.