Leave a smallish covered bucket in the yard where she walks the dog, and tell her it's for dog deposits, so she doesn't have to carry it around, you'll take care of it. There are all too few neighbors like that. People like her don't water your plants and pick up your mail and keep an eye on your house, then deliberately make a point of sabotaging your compost pile. I don't see that you really need to point out that she made a boo-boo. I had a meth lab next door to me for three years. Trust me, when people are AHs, there's no question. Sue

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.

Hee Haw everyone..... said "Pedro the Burro"..... translated..... "Thank You" Yes it is a cutie we have had our eye on him for a couple of years but have not been to the market for about a year, the guy was selling all his products for 20% off then he took it to the nearest $0 so cheaper again. Pedro is a metre tall and so heavy. Hubby wants to paint him grey, shock horror I like him the colour he is as he sits well on the orange pebbles..I still have not found the right spot for him, it will come. Yes GH I will do as you say for his basket seeing they said on the news tonight we will have to water all of our garden with a bucket, gosh that is going to be hard, its such a big garden and they are not all natives. Thanks for that info about the seeds Alison very interesting hey if anyone wants seeds later you know who to ask. Pedro said he would be back later looking cuter than ever ....Cheers..MM.

Thank you all for your kind comments, I sincerely appreciate them. Being in a high stress, low reward field truly does take a toll over time. Your nice comments about bleeding heart professions warm my (bleeding) heart! Gscience, I hope your increase is approved! Kswl, I would so love to invest the money and retire early! But the cost of buying out years is astronomical. I will only be 53 when I reach my full 30 years, and I'll have a kid in college. I am going to have to continue working, at a job that provides insurance, to bridge the gap until I'm 65. I don't think I have ever gotten more than a 1-3% increase, except for promotions. In reality, this 8% is not that much money, since I don't make much to begin with. But emotionally, it has a tremendous impact! Thanks for sharing my excitement :-)