More thoughts

I thought about it some more, the car loan. It does dawn on me that with a car loan if a person defaults the company gets the car and they still come after you for the difference owed. A judgement is placed on your credit history. It is leveraging the collateral to loan more than the car is worth. Interesting.

This is why I like talking to people on the phone. You can hang up on the hard sales press. Think about your options. Not leap at the first offer. I oopsed on the flexible interest rate. It was a spur of the moment decision. I was in the credit union opening up a new account leaving the big national bank behind for a local company. Not that the loan is even a big deal as it is really just an open line of credit, revolving credit. I don't have to use the money at all. Keep it for an emergency. I want to find a fixed rate and better than 8%, better than 6%. I know now I can find it. Its out there. It is worth shopping around. Lovely.

The stairs are done. I fixed the dings on the wall caused by the install. I am grateful the matching paint is in the garage, left by the previous owner. I like her color choices. I will be keeping them for a while.

The renter has been paying her rent very late every month. Last month she paid on the 21st. There is a late penalty she has to pay each time. We are still waiting for this month , which again is now officially late. The lawn is mowed. That is a good sign in my book. I am going to ask my property manager to do an interior walk through the house, make sure the dog she has now is not tearing the place apart.