Selling Your Home, Wills & Family

       Just when you think you're all set, life throws you a curve ball. If you're married things are different. Owning a home and one spouse dies, usually you don't have anything to worry about-usually. Make out a will. I did-unknowingly. I didn't know what was to come that would make me want to change my will and sell my home. There was a time when one of my kids said, mom, we can work anything out" talking about who would get what. Well those were empty words as I came to find out and from the person who made that statement. It's heartbreaking and I only decided to sell my home to insure that no one can contest anything in the end.
     Without getting into details, I know that there isn't anyway I'd want my kids to come together at my funeral with the animosity one feels without just cause except what's in their thoughts. So the best way to deal with  my old will is to make a will that expresses things in a no nonsense way. Now I'll get to enjoy all of the benefits of selling my home instead of doing what I wanted which was, to leave it to be divided between my kids. It isn't a lot but enough for either one to possible start  a business, buy a new car, pay bills etc.
       As every day passes I'm getting used to the idea of letting go and starting another piece of life, apartment living. It's a very nice apartment complex, with a pool, gym and community gatherings.I'm very anxious for the pool and gym and maybe even getting to know neighbors, still not sure about that. The best part is I'l be closer to one of my children and close enough to drive to see my other child and grandchildren-if invited.
       Taking chances is fine as long as you have a back-up plan with back-up money and this home has given me that. I am looking ahead.

Auto Insurance, Scare Tactics for Older People

        How do I know? I'm older. Anytime I call my insurance company to cancel full coverage, I get a reply like this: are you really sure? Remember if you have an accident you don't want someone coming after your home if you only carry liability. The rate of older people having accidents compared to  everyone else, people on cell phone, drunks, text messaging, other distractions is very low..
       Check the Kelly Blue book value, look at your policy and see how much comp and collision costs. Is it really worth it if your car is older than ten years? Not in my opinion. You pay a lot for comp and collision an d then you have a deductible which will probably pay for a broken window and if not your fault the other drives insurance pays eve if they have only liability. If your fault, so what, do not fix dents in an old car. It will cost the same as your car is worth. Value folks. Put that extra money in your pocket.
    People love scare tactics with older people. Some say why sell your house now? Why not. You use that money from the sale and enjoy it. Heck, buy a new car :)  Visit old friends, travel a little, and eat out more. Why leave your house to others so they get to enjoy what you worked hard to keep ? You got your own, let them get their own. Time for a change. So now you think, but whee would I live?
     I've always thought about moving to Montana, but I have kids who live in the south and mid-west, so I can visit Montana, rent a small apartment and enjoy the amenities. I know, I know, pay rent-again? Why not? If ya die without a will the government will get most of your house. If you get so sick, the government goes back five years into your finances to see if you had a home and what happened to the money. Take, Take, Take. You take it. Have fun everyone and check out more than one insurance company.

Ross Stanard The Guy to Call

       I met Ross Stanard some years ago concerning Real Estate business. He made such an impression as an honest and caring young man who I knew when the time was right, he was who I would want to do business with. If you're thinking of buying or selling your home, family home, or helping an elderly parent sell their home, he really is the man to call.
      He doesn't come in to your home to tear it down or act fake in what needs to be done or not. He will tell you if fixing things will help-or not ! Ross is not a pushy or aggressive kind of realtor so you won't feel pressured. I'm sure he wants to help sell your home or help you buy a home, but number one is, he will do right by you each and every time. He's not a puffed up kind of a guy, but a family man, down to earth and appears to understand situations.
     Ross treats people the same and he is a man with character and integrity, so in closing call him if you have any real estate needs. He's easy to find on line so look him up, give him a call. You won't be sorry. Okay, gotta say one more thing. He doesn't make things complicated but tries to help people understand how things work. By the way, I don't have any monetary interest in this, but my interest is in passing along a good persons name.

Sealy Mattress Horrible, Do not buy at Sleepys

        In June or very late May my daughter purchased a Sealy Mattress set for me to use when we arrived in Texas at her new residence. At the time of purchase she was assured by the salesman at Sleepys in Delaware that the mattress set could be exchanged or credited with a certain policy they had about COMFORT.  Comfortable it wasn't at all. It's like a block of concrete. Still here at this new residence no one has responded from my tweets or hers about this situation.
     My daughter knew I needed a firm mattress, but didn't have any idea about what she bought as far as how rock-hard it is. Arriving here in Texas we were told that the SLEEPYS here is in no way connected to any others so they would not honor the purchase, exchnage etc.

       Sealys this is a mattress made by your company. It feels as if it's stuffed with straw. Please make this right. I return to my home soon and will keep up the struggle to make this right, either by writing to newspapers, word of mouth, or and social media. Are you not aware what companies are telling people about exchnages, lying! It's as if she just threw hard earned money away. Please, once again, make this right.

My e mail is Nancymellow@aol.com

This Book ! I Couldn't Believe What I Saw a Child Doing....

       He was only a little more than two and a half years old and he has a five year old brother. I was about to give up on something until this very small child looked at my Etsy site with me and saw a picture of my book. Really I almost gave up after two printings and giving books away because I loved them. I loved the art, the story, the Jelly Bean Jerk dance and mainly I thought this would be successful. So I took The Jelly Bean Forest book, sent to my grandsons, gave to neighbor kids and parents and felt defeated.
      This little boy and then his brother inflated my spirit. I asked him as he pointed to the book, thinking it was his-do you want a book to look at. He nodded yes. I gave him the little book with the Big Red Tree on the cover. I was just happy he was going to sit for a while, or hoped he would. He did just that. He sat and with his tiny finger, slowly turned one page after another. I was amazed because of the way he went through it and that after a few pages his five year old brother, sat next to him and watched.
       So I asked the five year old if he wanted me to read the book to him and he said" sure grandma." Grabbing another book I sat next to him and all of a sudden the little one moved closer. This whole week that they were visiting, this was the best part of all.. I wish I could post a picture, but I'm careful about that, not having permission and besides, I don't want my old puss on line, but I did take pictures before I started reading as the little one turned pages.
    It was the attention they paid to the story and asked questions about jelly beans and trees. I loved it and am now inspired once again to try to get this cute little book to the public. Imagine...two little boys gave me inspiration and hope. The book also has a coloring book in it. Contact me at Nancymellow@aol or buy a book by pre paying at pay pal, doozybags 8.95-By the way, the artist is a young teenager! Always inspire kids, give them the, you can do it  push.