We signed something!

A banker came to our house and gave us an amazing deal on a house loan. We got 3.25% fixed for 20 years. We get no penalty for switching banks, and no penalty for paying the loan off early. We want to pay it down early because of our advanced age! We have money for the house, and the renovation. We also have insurance in case Juergen dies. I hope this does not happen, but we want to be wise. So it looks (God willing) like we will buy our house. We still have to sign a contract with the owners. That looks like it will happen next week. It could still fall through, but it looks like a go. Juergen's boss told him about this Bank. It saved us almost 2% on the loan. Amazing!

It is the PSD Bank. They are a German bank that is 135 years old. They only do house loans. I'm amazed at the money we are saving by doing business with them. Check them out if you are shopping for a house loan!

http://www.psd-bank.de/

So now we need to fix our house up and try to sell it. We are looking at renovating our bathroom. I also bought a paint sprayer at ALDI's this week. I want to paint everything white. We want to rent storage to put all our extra everything in. We will try hard to make our house clean and spacious. I also need to make the garden very friendly. Everything to make the house something families would want to buy. I have my work cut out for me!

Comments

chicken coop idea

Why not start with an IBC and cut a hole for the door? You could build closed laying boxes into it, and something for the chickens to roost on. Put some straw or saw dust on the floor. You could add vents to the side for air. If it sat inside a chicken run that you can walk into, the chickens could be safe, dry and happy. I have an extra IBC. Maybe this could be my chicken house? I bet I could even plant the outside of it with mud and grass for extra insulation and good looks.

The Opel Agilia

I think I don't want to spend the money for the VW New Beetle. It's a very cute and safe car, but cost about 17,000Euros new. I can find it for 13,000Euros (this is the most basic model) but that's more then I would want to spend. I don't really drive that much. I'm pretty cheep at heart. I need real value for my money. I keep thinking we really should take advantage of the money Germany is offering to trade old cars in for 2500Euros towards a new car. If I buy a car that's around 10,000 Euros, then the Government is actually going to pay 25% of the cost of that car. That's really a very good deal. Since I know I will need a new car in the near future, I feel I should get a new 10,000 Euro car. The Opel Agilia is around 9,900 Euros. It's got 5 doors, and room for 5. It is pretty safe, and comes with a 6 year warranty. I would not call it my dream car, but I could easily afford it. I'm trying to be wise here. There are other cars in thi...

Reading Kingdom

I am very happy to review the Reading Kingdom. This is an online program that uses a variety of methods to teach reading. I decided to share this product with my adopted granddaughter Ruth. Reading kingdom uses a six skills integrative method Ruth only just began to use the program. She is only 3 years old and cannot use the program without help. But her mom says that she can already recognize words like girl and kids when they are shown on the screen. Sylvia wrote that she loves the repetition of the words in the program . That Ruth is memorizing the words she sees. She will be able to use it for an entire year. But I expect her to become a very good reader. And what a great gift to give to any child! She will have a lifetime love for books. Sylvia also works with teenage mothers in Uganda. And many of these women have never attended school. So she plans to use these ideas to h...

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