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Sep. 9th, 2014 07:47 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
the_rckWe got Cordelia on a different soccer team. This one is coached by a woman (which is really rare) who is happy to have Scott help out and is all sixth and seventh graders. It's also the team that girls from Cordelia's school are supposed to be on, so she'll likely know one or two girls. The team practices once a week, on Thursdays. Cordelia seems happy about this development, and Scott plans to stay at practice to make sure all goes well.
The woman from the roofing company finally got back to me by e-mail around 5 p.m. If I'd known she'd use e-mail, I couldn't have used the expected phone call as an excuse not to go out. She did work up the wrong quote, the higher one. We're happy to take the shingles that only have a limited 30 year warranty over the more expensive shingles that have a 50 warranty. The woman sent a spreadsheet of sorts, so Scott fiddled around with it, trying to find where the calculations were, to see how the real numbers would work.
The interest rate for this loan is going to be high, so it's going to make sense to use the money we'd set aside for paying off the home equity loan and use that to pay for part of the roof. The home equity loan is at a lower interest rate, so keeping that will cost us less in the long run than borrowing the full amount for the roof.
Hopefully, we can get the financing taken care of quickly and get into the queue for having the work done. Scott tells me that the Farmer's Almanac is predicting snow by the end of September. I don't know how reliable that is, but it gives us a rapidly approaching deadline. We really don't want another winter with the current roof, not when so much of it is rotten and when the shingles are so close to giving up the ghost.
We need to call the financing company ourselves and apply that way. I have no idea what sort of information they'll want, and I don't have ready access to most of our financial information or to things like Scott's social security number. It's all on Scott's laptop or in Scott's head. If I could call to set up financing, it would help a lot, but I don't know that I could do it even if I had the necessary information. Anxiety strikes again. Scott can't do it today (he's got to go to the Rec & Ed office to pick up a shirt for Cordelia for the new team), but hopefully, he'll be able to do it tomorrow. If he can't it will have to wait until Friday. Maybe I should see about getting access to the necessary information (though I don't know what it is) and try to make the call.
The woman from the roofing company finally got back to me by e-mail around 5 p.m. If I'd known she'd use e-mail, I couldn't have used the expected phone call as an excuse not to go out. She did work up the wrong quote, the higher one. We're happy to take the shingles that only have a limited 30 year warranty over the more expensive shingles that have a 50 warranty. The woman sent a spreadsheet of sorts, so Scott fiddled around with it, trying to find where the calculations were, to see how the real numbers would work.
The interest rate for this loan is going to be high, so it's going to make sense to use the money we'd set aside for paying off the home equity loan and use that to pay for part of the roof. The home equity loan is at a lower interest rate, so keeping that will cost us less in the long run than borrowing the full amount for the roof.
Hopefully, we can get the financing taken care of quickly and get into the queue for having the work done. Scott tells me that the Farmer's Almanac is predicting snow by the end of September. I don't know how reliable that is, but it gives us a rapidly approaching deadline. We really don't want another winter with the current roof, not when so much of it is rotten and when the shingles are so close to giving up the ghost.
We need to call the financing company ourselves and apply that way. I have no idea what sort of information they'll want, and I don't have ready access to most of our financial information or to things like Scott's social security number. It's all on Scott's laptop or in Scott's head. If I could call to set up financing, it would help a lot, but I don't know that I could do it even if I had the necessary information. Anxiety strikes again. Scott can't do it today (he's got to go to the Rec & Ed office to pick up a shirt for Cordelia for the new team), but hopefully, he'll be able to do it tomorrow. If he can't it will have to wait until Friday. Maybe I should see about getting access to the necessary information (though I don't know what it is) and try to make the call.
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Date: 2014-09-09 12:42 pm (UTC)Best wishes with the roofing! We've had to replace a roof twice, once at our old house and once at the current one. Not my favorite part of home ownerhood. :-S
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Date: 2014-09-09 12:45 pm (UTC)As far as the roof goes, the Arbor Parents database helped quite a bit. It gave me two companies with multiple good reviews (and another five with one good review apiece) and warned me away from three companies (two of them with multiple bad reviews). I just hope it doesn't snow early. It'll likely be the end of the month before we can get it done, and in a normal year, that would be fine.