GETTING PERSONAL, May 2022

Greetings to you all!

THE MARKET

It’s not new news to tell you that the rates are up into the 5% range and likely to go farther. I have been selling real estate a long time and it does not panic me to see this kind of rate, but it is disconcerting for those who have been looking for a home and thought they were going to get a 3+% mortgage. This is a significant increase! Given that the housing inventory continues at record lows, prices continue to escalate. I expect this will have a couple of effects on buyers. One, the change will adversely affect the affordability and price range of the potential properties. Two, it will increase the motivation and speed at which a buyer must act to avoid even higher interest rates. They are coming. The only weapon the Federal reserve has, to combat the rabid inflation rate rise, is to raise the rates. The huge influx of cash to the system with the spending spree of the past year has lit that inflation fuse and it is going to be difficult to stop without some pain.

Prince and Princess Report

The past weekend was a fun time with Uma going to Rehoboth with Claire for a girls weekend and I had the chance to spend some quality time with Leo. That boy has been lifting weights as part of this training regimen for football. He is getting ripped! He was successful for the first time in defeating me in Miniature golf.

We had a blast at Jimmy Mack’s. Even though I was several strokes ahead in the second match, he scored a hole in one in the last hole to nullify my victory and score a free game! We have an agreement that scoring a hole in one supersedes any score. So, I was beat twice! I don’t know what the girls did but we had a ball. We had a great meal at Central Family Restaurant and capped off the night with a super hero movie, viewed from the cozy comfort of Pampy’s theater room/man cave. The 2nd Dr. Strange movie is going to be released May 6th. I have to talk with Leo to see if he wants to check it out. Maybe we can see it at an IMAX.

The pool will be opening soon, and I am looking forward to lots of time with all the grand kids there. All except Jimmy and Elisabeth can swim. I am hoping Jimmy will have increased desire to join the fun. Ben will be a good influence, they are best buddies and I expect he can goad Jimmy into a more enthusiastic approach to his learning!

Home Front News

Mowing has begun, the second cut will be tomorrow. Although I don’t particularly like to mow on Sunday, when I am bagging, I am able to put the clippings out for pickup for Monday morning. It is inconvenient and smelly to have it sit around so Sunday is the ticket.

Golf league begins this Tuesday, some rain in the current forecast but I hope it will not stop us. I have been out to the driving range, trying to see if I can improve my swing (and to see if I can still have a swing) I am looking forward to weather that will allow me to get back to walking “the hill” as well as more chances to bike. The little I have been able to ride so far, the E-bike proves nice to have. I can use the pedal assist or not. I use it as little as possible to force myself to work.

Paint jobs are on the horizon as I have windows at the office to complete. I probably should clean up the shutters on my house. They are looking a little shabby and need washed up, maybe Armor All'ed or clear-coated. I am not looking forward to getting up on a ladder. The support posts at my patio are looking bad and probably in need of replacement. Not sure I can pull that off.

Until next month,

GETTING PERSONAL, April 2022

Greetings to you all!

Winter seems to be making a last, bold statement before we can have the warm temperatures come to stay. I did have a chance to hit some balls at the driving range last week. Temperatures are up again in the next few days, I hope to stay!

Less masks, restrictions waning, looks like a new normal is on the way, about a year too late.

The Market

Interest rates are on the rise, climbing into the 5% range. One of the few fixes for the spiking inflation is for the Fed to increase the Federal Funds rates. It has begun and I am expecting rising rates as a trend in the coming months. It does put additional pressure on buyers to find a home, getting squeezed at both ends as competition for few properties pushes prices upward and rising rates push payments up. Finding a property sooner rather than later is the play to make if it is possible. Concerns of recession are looming. I have little confidence in our government to make decisions that will help. So far, they have set us up for “stagflation” the dilemma we found ourselves back in the 70’s: high inflation, slow economy, higher unemployment. I am still hoping for the best as we remain quite busy. I am still believing the market will remain pretty strong for the year.

Prince and Princess Report

New Princess, Elisabeth, is doing great. I have had a few chances to hold her. It brings back so many memories of all the other grandkids as well as the days of our own babies long, long ago. We have brought out the baby toys packed in the attic. All of them old, harkening back to our first born. As Elisabeth grows out of them, we can say goodbye to them. Likely no more babies for me to spoil.

We dragged out boxes of toys that were tucked away in the attic. So many “new toys for Jimmy and Ben who are thrilled to have such a treasure chest of “new” toys. They all belonged to their daddy’s, so they are 30 years old. About 10 boxes and/or bags of “stuff” came out of the attic. Stuffed animals, Happy meal toys, Ninja Turtles, wrestlers, Legos, blocks and more. It was like Christmas in March. Ben and Jimmy are having a ball. They play so well together. Ben told his Mama at bedtime yesterday that he had so much fun he didn’t want to go to bed. Sleepovers continue for Jimmy and Rosie. Looks like the month of April we will have them Tuesday nights. Uma is already shopping for bathing suits for the kids. They are anxiously awaiting the swimming season. It is going to be a great summer!

Home Front News

The lawn mower is out for blade sharpening and adjustments.

I expect it back next week, just in time for the mowing to begin. The lawn was aerated the end of the season and the grass looks like it is a lot thicker. Already had a lawn service treatment.

Looking forward to getting in some bicycling. My Story bike is decked out with a mirror (I discovered I really needed it) and a holder for my Iphone. I added a tool bag to keep the tools that were sent with the bike. I am working on arranging for a 26 oz Yeti gulper. The engineering could be a problem. If nothing else, I can keep it in the insulated carrier bag, transferred from the Schwinn.

Shopping at the Refindings store I found “Nipper”, the RCA Trademark fox terrier. It was damaged, his right front leg had been broken and glued back on. Not a great glue job fix, but I mixed up some plaster and joint compound and patched it up. A little air brushing and it looks presentable. A nice addition to the Theater Man Cave. He stands about 13” tall and looks great overseeing my turntable.

Golf league is only a month away. No new equipment on the horizon, not that anything would really change my game. A youth elixir would be great, but I couldn’t find any on Amazon.

Until next month,

GETTING PERSONAL, March 2022

Greetings to you all!

A quite exciting February, welcoming a new princess, and still little snow. The groundhog must be confused. With the warm temps and lack of snow, if this is six weeks more winter, I can live with that! Still not good enough to go golfing but Cool Creek is open for business. I am not a cold weather golfer, but I will be tempted if my schedule allows, the temps are above 55 degrees and the sun is out (and the wind is not so bad). Looks like more of the world is getting on board with “back to normal” living. All the restrictions are not science based and the restrictions are becoming politically radioactive.

The Market

Inflation will be with us for a while and likely to be exacerbated by the crisis in Ukraine. Our energy independence has been eliminated by policy and Russia has the world at the mercy of their oil and gas. Hopefully Putin is not as mad as he seems at this moment and the, almost, universal support for Ukraine will rein in his ambitions. Meanwhile, the market remains dynamic with rates being bumped up a bit, having little effect, so far, on the demand. Inventory is still very low with now listings being snapped up within 2 or 3 days. I believe the market will remain strong for the rest of this year. All bets are off if Putin persists in his madness and his war becomes a wider field of battle. In that circumstance, anything is bound to happen with many unpredictable results. Putin has already experienced the result of poor prediction strategy. Not sure if he has a face saving strategy left. We should remain positive and resolute in our own resolve.

Prince and Princess Report

All the facebook friends already know about the arrival of the newest member of “Charlie’s Angels” and the last of the set. Elisabeth Michele Krotzer, Feb. 16th at 6:10 AM, 7 pounds, 7 ounces. She has bucked the trend with lots of long dark hair and looking different from her siblings but still beautiful! All are well! Check out the back page for proof. Sleepovers continue with Jimmy and Rosie. They are no trouble, we play games and were even able to be outside with the good weather. Ben and Jimmy have had a ball building tracks for some, battery operated cars and trucks. On their own the built quite a neighborhood. They surreptitiously built a track to my back office to surprise me with their fleet. I am hoping that Ben and Annie can have a sleepover soon. I would think, sometime soon, Beth could use a break!

Home Front News

Getting use to the new TV in the man cave. All tweaked out but I received an unexpected gift from Nathan: An Ambient lighting system to add to the visual experience. It is blue tooth operated from an app on my phone. It has a camera sensor over the middle of the television that sends to the controller, picture information that changes the ambient lighting according to the picture. Pretty neat. You can set the colors to your liking and even engage music effects although if you are seizure inclined, probably not a good option! It received the approval of Jimmy and Rosie as we watched Rosie’s “flavourite” movie: Disney’s "Robin Hood", we cuddled up enjoying pizza and chips. I still love gizmos, and Nathan is the gizmo king. I really enjoyed his company and expertise as we hooked the thing up together. The man cave just gets better and better. Almost enough to make me forget about the loss of my beloved 3D! Almost... Of course, Elisabeth’s picture has been added to the trophy wall! I have added a Tri Wizard Cup to my Harry Potter “shrine”. Itfits in fine, maybe a little over the top but what the hell, I like it.

Until next month,


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