So here I am…finally. Sorry it’s been so long. This covid thing is getting ridiculous. Work has been unbelievable. There has been so much overtime, I am burnt out. So many people calling off sick, and there have been more than 15 people on my floor alone who came down with the virus. I don’t know how, but I have managed to avoid it. I am very grateful to not have gotten it. Someone is definitely watching over me.
Also during this time I had a death in the family. No, not from covid. My brother who had a lung transplant over a year previously, succumbed to a fungal infection in his new lung. I knew that 50% of lung transplant patients rarely live past 5 years. But I didn’t know that a high percentage of lung transplant patients catch fungal infections in the first year. My brother had gone 1 year and 3 months with his new lung. I am thankful that myself and his family had that extra year with him. With all the restrictions of covid, it was very hard to go and see him in the hospital. I am forever grateful to whoever let me in for 15 minutes to see him prior to him passing a week later. We were very close. I understand the restrictions we are under, but when a family member is passing it is very disturbing that the family can not go see the dying family member.
At the hospital I work at, when someone passes in the ICU, the ICU nurses contact the family and then with either Facetime or Duo, they hold their cameras/tablets up during the walk with the casket around the hospital floor to the morgue. It gives the family some form of closure, I guess.
To move on I finally decided to refinance my mortgage. My previous interest rate was 4.875% and in October I owed $94,050.00. It was hard to find a lender who would only refinance for the amount. Most everyone wanted me to take out cash to make the loan over $100,000. I refused. I finally found someone who would refinance just to change the interest rate and he didn’t charge me anything. All the fees were refunded. I currently do not have an impound account because the County of Riverside never applied my Proposition 60 and Proposition 90 filings to lower my property taxes, which is why I started this blog and my first post Why you can afford to retire in California makes sense. I have called many times to straighten them out, but with covid, they are behind (I sent/faxed the info back in February of 2019), so I will check back with them next week, again. So when you see my loan papers you won’t see the impound amount. I was able to get an interest rate of 3%.
Let me know what you think.
Here’s to reading on!