Brad,

Don't you like Romper room school? lol.

I will be praying about that situation.

I'm doing my email backwards. lol.

Love,
Pat Ferguson

At 07:42 AM 7/14/04, you wrote:
>Rhonda,
>
>The daycare is doing fine. Soon she ought be licensed and open up for a few
>more customers, but for now she is fine with the ones she has. We had hoped
>to roll enough in the refi to finish off the basement and move the day care
>down stairs, but hindsight on that is better as we'll do it on our own in
>upcoming months. At least that is the plan. That will be nice cause
>then  the rest of us don't have to eat breakfast in the middle of Romper
>Room. But I'm not complaining.
>
>Brad
>
>
>Rhonda Partain wrote:
> >That's good news!  financial  issues and the future, a
> >sort of scarry thought!!
> >
> >How are things going with your wife and  watching the
> >children?  I hope your family is doing well.
> >
> >Rhonda --- Brad Dunse <[log in to unmask]> wrote:
> > > Kathy's question of if we were tired of hearing life
> > > issues caused me to
> > > follow through with a note I had planned on sending
> > > but been putting off
> > > for whatever reason. We  thought to refinance our
> > > house with the onset of
> > > rising interest rates, and the scheduled plan of
> > > raising them 8 times in
> > > the next 18 months according to Greenspan a week or
> > > two ago helped confirm
> > > it is time to lock in and quit playing gamble with
> > > rates. . We had also
> > > planned on rolling some hounding credit card debt
> > > into the mortgage. Not my
> > > first choice to finance such debt, but considering
> > > rising interest rates,
> > > the Adjustable Rate Mortgage we  had on the place
> > > and etc. we decided to
> > > see about rolling the debt over into a refi.
> > > Well things did not look good at all, in fact the
> > > first offer the mortgage
> > > broker gave us was worse than what we currently
> > > have. Then my wife in
> > > talking to him, found he had some income issues
> > > regarding my business a bit
> > > miscommunicated, yet still we needed to appraise out
> > > at like near $190,000.
> > > The broker called the other day and said he didn't
> > > know who we had in our
> > > corner, but we appraised at $187,000 and would not
> > > only be enough to refi,
> > > but now we'd need to bring no money to the closing
> > > table. The market value
> > > of our home sounds like a lot, and for some areas it
> > > may well be, but you
> > > can't touch a house  in this town, in this
> > > neighborhood for much less. We
> > > bought it a year and a half ago at $160,000 and in
> > > that time with a fence
> > > only added, it appraised at $187,000 so you can see
> > > the rise of the market
> > > here. I'm thankful for the good market to enable us
> > > to find some breathing
> > > room and even though we will close the refi on a
> > > fixed 30 loan with a 15
> > > year balloon on rates, we are amortizing it on the
> > > side to make payments as
> > > if it were a 15 year loan. God is really working
> > > with us to free us up from
> > > being owed to no one as soon as possible. Kind of
> > > makes me wonder what he
> > > has in store, or what is in store in general.
> > > Anyway, we were to sign
> > > papers for the first phase of the refi tonight but
> > > the broker tossed his
> > > back out and is scheduled to come out tomorrow late
> > > afternoon. We stressed
> > > no surprises at the table, I'd be livid after the
> > > last mortgage broker we
> > > dealt with jerked us around like he did. So I'm
> > > praying all goes well, and
> > > we close this month. Thought to post in case any of
> > > you cared to know. To
> > > be honest, I  really didn't think  a refi on this
> > > place would fly so soon,
> > > and this is also including a prepay penalty on the
> > > existing two notes to
> > > make up 100% financing. again not my choice, but I'm
> > > prompted to go with
> > > it. God has dealt with me, and warned me of
> > > financial vulnerability in very
> > > near future.
> > >
> > >
> > > Brad
> > >
> > >    If you're not living where you are, you're not
> > > living at all
> > >
> >
> >
> >
> >
> >
> >__________________________________
> >Do you Yahoo!?
> >New and Improved Yahoo! Mail - 100MB free storage!
> >http://promotions.yahoo.com/new_mail
>
>Brad
>
>    I started out with nothing and I still have most of it left