Friday, January 17, 2014

Moving Day

Everything is ready for us to move out of our home.  We have rented a friend's home that is about to be torn down.  It's very small but we don't need much for a family of three, a dog, a guinea pig and a goldfish.  We rented some furniture from Rent-A-Center, brought one TV, and one desktop and one computer from home.  The furniture will be arriving at noon at the rental home.

I  was so tired from having pneumonia, and everything else, I could only pack one room per day.  And the first two days of this week, I slept and didn't do anything.  Feeling better now after nearly 5 days of antibiotics, but not very energetic.  Nevertheless, I have packed up almost everything in the house.

We also rented a Pod to put the upholstered furniture it.  That came yesterday and some friends helped us move the heavy stuff. Thank you for the Vances!

Our remodel consists of the kitchen and informal dining room, dining room, laundry room, all of the bathrooms, entry way, hallway, and hallway closet - in short, half the house.  I'm allergic to dust  and mold, so there was no way that I could stay in the house, besides the fact that the water would be turned off in the kitchen and bathrooms.

But I was still behind on my packing.  I had packed almost everything, but I still had 4 hours to go.

How do I know that?  Because we were supposed to be packed and ready at 9 am this morning, and we weren't ready until 12:30 pm.  That's when we packed the last box.

Meanwhile, the contractors at 9am and were knocking out walls, cabinets, dry wall, etc. while we were still packing.

Thanks God for my contractor, Salvatore Caruso!  He worked around us and when he saw that I was freaking out (probably because I hadn't had any breakfast), he sent his son to get coffee and croissants for us!  I really needed that boost of energy.  Thank God for Sal!

He has designed a beautiful home for us!  Our home is 60 years old and the kitchen is original and falling apart: tile is chipped and cracked, ceramic sink is chipped, grout and tile are falling off, cabinets doors have been painted so many times that I can no longer close them. We bought a fixer-upper and although we knew we had to remodel the kitchen at some point, I knew that was going to be a big expensive job.  So we chose make do with the kitchen and to put money into making house more efficient.  We had to fix the foundation and arrest the descent of one weight bearing wall.  The HVAC had problems when we bought the house, and that had to be replaced.  Five years after we the bought our home, it needed a new roof and we also put in solar panels and a new electrical box.  There were leaks in various places and we knew we needed a repipe, and we did that.  We also added insulation to make the house more energy efficient.

But how to pay for the remodel?  Turns out that having terminal cancer make that easy.  There is a silver lining in every cloud! I am now able to pull money out of my IRA without a penalty.  And since I'm not going to have a long retirement, I may as well use the money now and leave a beautiful and functional house for my family.  However, IRA withdrawals come out as ordinary income, my husband is still employed and I don't want to pay any more taxes than I have to.  So we elected to pay for it out of our investment account, with capital gains rate, which will save us about 5-10% in taxes.  My husband can treat my IRA as his and that makes it beneficial to do that.

Tonight we are in are new pied d'terre.  Tiny, but cozy.  Now I can get some much needed rest and recover from the pneumonia, radiation and chemo.

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