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Monthly Projects

Ericles — Wed, 01 Apr 2009 03:46:23 +0000

I had the bright idea to do one substantial project for the house each month. So far it’s looked like this:

January: Re-arrange the living room so the TV could be on an adjacent wall. This involved installing a new wall outlet and re-wiring the cable in the basement. We got it done in one day but it required extra trips to Home Depot to buy a mammoth drill bit and matching wall plates.

February: New faucet for the bathroom sink. I can’t say this one was fun. More trips to Lowes as the new pipes didn’t fit the old pipes and the bloody thing kept leaking. We went over into March but it works.

March: Get the killer thorn bushes out of the yard. The one was a well-established (read: bignormous) bush used to keep people out of the previous owners bedroom. Some folks plant a Garden. They planted a Guardian. It never really bloomed, hurt like hell if you got near it and was an ugly brown all winter so we decided to take it out. The others were the standard “sticker bushes” that you get if you don’t weed for a few years. We’re both perforated but most of the bushes are gone. The big one still has it’s root structure but we’ll hopefully be getting rid of those soon too.

April: Not sure yet. Paint the den? Build a new bathroom in the basement? Finally have that yardsale with which we’ve been threatening the neighbors? Whatever it is I can promise this: It wont make me bleed as much as those damn bushes did!

Captain Kidd’s Treasure Found!

Ericles — Wed, 25 Jun 2008 18:36:22 +0000

Captain William Kidd stood on the Gallows & a thin rain began to fall. He was dressed in the full splendor of a decorated colonial captain of the seas from the spotless coat to the new pair
of boots. A list of crimes for which Kidd stood accused was being read for the gathered crowd but Kidd wasn’t listening. He had spent the past few weeks becoming familiar with all of the crimes he had been charged. Right now he was busily scanning the crowd & looking for a familiar face. Had his friends shown up at the last? The noose was placed around his neck & a dark sack over his head. As the darkness covered his eyes, his life, as it tends to do in these situations, flashed before them…

William Kidd was born in 1645 in Greenock Scotland. His family sailed to the New World while
Kidd was still young. They settled in New York City, which at the time was merely struggling to support itself as a seaport. Kidd spent his life on the Ocean & won acclaim fighting the French during King William’s War. He was granted the Rank of Captain & held in high regard by his community & peers. In 1695 Kidd was called to Great Britain. At the recommendation of the Earl of Bellomont, who was the Governor of New York at the time, Captain Kidd was granted an official Letter of Marque from King William III.

“William the Third, by the Grace of God, King of England, Scotland, France and Ireland, … To our trusty and well beloved Captain William Kid, Commander of the Ship the Adventure Galley… GREETING; Whereas we are informed, that Captain Thomas Tew, John Ireland, Captain Thomas Wake, and Captain William Maze… do, against the Law of Nations, commit many and great Pyracies, Robberies and Depredations on the Seas…. Now KNOW YE, that we being desirous to prevent the aforesaid Mischiefs, and, as much as in us lyes, to bring the said Pyrates, Free Booters and Sea Rovers to Justice, have thought fit, and do hereby give and grant to the said William Kid, to whom our Commissioners for exercising the Office of Lord High Admiral of England, have granted a Commission as a private Man of War, bearing Date the 11th Day of December 1695, … full Power and Authority to apprehend, seize, and take into your Custody… all such Pyrates… which you shall meet with upon the Seas,… with all their Ships and Vessels; and all such Merchandizes, Money, Goods and Wares as shall be found on board…”

King William also granted Captain Kidd a license as a Privateer to attack any French ship he should chance to encounter. The expedition was funded by Lord Bellomont, several politically connected Nobles & King William himself. Kidd was given command of the Adventure, a 237-ton galley featuring 34 cannon & oars for out maneuvering enemy ships. He loaded his ship with the best sailors he could find & set sail. Before the Adventure could even hit open waters a Navy vessel approached. Showing some early colonial disdain for imperial Great Britain, Captain Kidd refused to salute (or possibly mooned) the Navy vessel. The end result was the Navy forcibly impressed (or drafted) the majority of Kidd’s crew. Undaunted, he sailed for his home harbor of New York where he hoped to be able to find enough sailors to round out his crew. Unfortunately, New Yorkers had enough problems of their own without worrying about “Pyrates” hiding in the West Indies. Those he could convince to join him on the voyage were mostly made up of men who needed to flee the colonies for legal reasons & they demanded the lions share of the profits. With this inauspicious start, the Adventure set sail for Madagascar seeking pirates… with a crew made up of men who had most likely been pirates just days before signing on with Captain Kidd.

When the King of the most powerful nation in the world decides that he’s going to start hunting pirates the word spreads quickly – even over the seas. By the time Kidd was finally en route from the Americas all of the pirates mentioned in the official charter had made themselves scarce. Kidd & his crew bided their time & were able to take over a small French ship but it did little to serve their purpose… or line the greedy crew’s pockets. The Captain used the same methods he had employed with success back in the Colonies – to mingle with the other Privateers of the area. Many of the other Captains were small time pirates in their own way but Kidd was after a larger prize. Unfortunately, his crew saw this as wasted time & became restless. The Adventure encountered many richly laden Indian vessels but, despite the opposition of the crew, Kidd made no moves against them. Men started to desert &, sensing an eventual mutiny, Kidd set sail for the Red Sea with talk of intercepting a rich fleet of which he had caught rumor. “We have been unsuccessful hitherto; but courage, my boys, we’ll make our fortunes out of this fleet!”It was not meant to be & the Adventure never met the fabled fleet.
On October 30 1697 a rich Dutch ship sailed into view &, tired of waiting, the crew urged Captain Kidd to attack. The Captain refused, knowing that attacking the Dutchman would be both piratical & sure to anger King William who was of Dutch descent. William Moore, a gunner under Kidd’s command spoke out loudly against his captain & burnished a sharpened chisel. The two exchanged words & it became clear that a full-blown mutiny was sure to occur if Kidd was unable to quiet Moore. Without speaking a word Captain Kidd strongly suggested that Moore return to his work by heaving a wooden bucket at him. It was an unlucky throw as the bucket struck Moore in the head & he died the next day. A bucket is a far cry from a deadly weapon & it’s obvious that a mortal blow wasn’t intended, but the act didn’t do much to improve moral on the Adventure. The next time they docked to resupply much of the crew deserted.

In late January or early February of 1698 their luck finally turned & they were able to easily capture an Armenian ship the Quedah Merchant. Kidd & crew boarded the ship & learned that though the captain of the ship was English, he had purchased passes from the French East India Company making the Quedah Merchant a fair target of the war. The ship was one of the greatest prizes ever claimed by a Privateer. She was a 400-ton beauty laden with gold, silver & all manors of extremely valuable linens. The value might have exceeded 100 million in modern dollars. Kidd kept the French passes & the ship which he renamed Adventure Prize.

Back in England, disgruntled former crew members of the Adventure told the crown that Kidd had refused to attack pirates & had even turned pirate himself. A fantastic political scandal ensued when political opponents of the Kidd’s backers got wind that King William himself was funding a pirate! Great stories of piracy & barbarism on the high seas were invented to fan the political firestorm.

When Kidd learned he was a wanted man most of his crew deserted him so he left the Adventure behind & sailed for home in the Adventure Prize. Only 10% of the original crew remained loyal to their Captain including Monmouth County residents Moses Butterworth & William Leeds. Upon arriving in the Caribbean, Kidd learned that several British men-of-war were patrolling the East coast looking for the Quedah Merchant. Realizing his prize was marked he scuttled the Merchant & set out for New York confident he could convince Lord Bellomont of his innocence. Kidd made several stops in New Jersey & Long Island before the authorities knew he was in the area. During this time he secretly buried much of his treasure – some 40,000 pounds – to be used as leverage. Kidd, leaving several of his men in West Jersey with strict instructions on what to do in the event he was arrested, then sought out Lord Bellomont who was residing in Boston at the time. Unfortunately, Bellomont decided that bringing Kidd before the throne in chains was the best way to save his own neck & had Kidd & his men arrested.

The trial was a travesty of justice & the nobles who had financed Kidd’s voyages made sure to burn Kidd’s logbook & lose the French passes from the Quedah Merchant. In the end Kidd & most of his crew was found guilty of piracy & the murder of his gunner William Moore. Moses Butterworth & William Leeds had remained in West Jersey where they were tried & found not guilty.

… Captain Kidd awoke from his reverie in time to hear the official proclamation that he was to hang by his neck until he was dead. The rain had begun to soak through the thin sack & he could almost see through it. There was a disturbance in the crowd & some shouting but he didn’t have time to wonder what might have caused the fuss because at just that moment the floor dropped out from beneath him… & he fell… & the noose pulled tight… & the rope snapped! The crowd gasped as Captain Kidd disappeared through the trap door & landed with a grunt on the ground beneath the platform. In those days this stay of execution wasn’t seen as a sign of divine provenance but rather an indication of a poorly made knot. After a few moments of confusion Captain William Kidd was bustled back up onto the stage where the noose was refitted & secured into place. Though most of the crowd & the officials on the stage were nearly soaked to the bone, Kidd was gauged dry enough that the noose would not slip free. Without delay the trap was sprung & a few agonizing seconds later the saga of Captain William Kidd ended at the end of a taught rope. As the crowd began to disperse, William Leeds, loyal to the end, fought against the crowds until he was near the front. An old muddy pair of boots dangled at eye-level only a few yards away. He smiled.

So what of Kidd’s buried treasure? Well, there are more rumors than fact. Every state up & down the coast has a tale of Captain Kidd’s buried booty, but only two states have ever found any of it. The first cache of gold was unearthed on Gardiners Island just off the coast of Long Island New York. The owner of the land had cooperated with the British authorities in retrieving some 10,000 Pounds. Gold coins have also been discovered in New Jersey within the Raritan Bay. The first strike was at Money Island & the second at Duck Pond, now known as Treasure Lake. Let’s look at the legends & skim the fact from the fiction.
It’s a fact that William Leeds had money. In his will he left 438 acres of land to the county & the Christ Church. This land is where Thompson Park & Brookdale Community College is
today. On the foundation of an old jail (the very jail that once held his friend Moses Butterworth) Leeds built the Christ Church of Middletown.

It’s a fact that Money Island is no more. It’s been excavated to the point where it’s nothing more than a sandbar. If there was treasure on the island it’s long been spent or sent to Davy Jones’ Locker.
It’s a fact that the Army Corps of Engineers surveyed & excavated large sections of Cliffwood Beach a few decades ago. They built up the seawall as if to protect the unfound treasure from the elements. The positioning of their benchmarks is very suspicious.
It’s fiction that Captain Kidd used two gigantic trees as range markers to navigate to the hiding place of the gold. These trees, known as “Kidd’s Rangers” were supposedly at the mouth of the Raritan Creek & atop of Rose Hill in Matawan. There were indeed very large trees in those locations but it’s highly unlikely anyone could use them as markers from the bay. Of course someone did try eventually… & by no small coincidence there’s a small park at the site where the trees would lead a sailor. In fact, the exact center point has been calculated – & an ACoE benchmark labeled PL190 exists there to this day.
It’s a fact that Treasure Lake is just North of this mysterious park – & the actual site of the buried treasure! After Captain Kidd was arrested William Leeds dug up the treasure
& moved it. This is why some coins were found on Money Island. He spread rumors of “Kidd’s Rangers” to throw people off the trail but actually buried it … where X marks the spot! To help guide Kidd back to his treasure Leeds left a clue in the church he built – he carved a cross above the pulpit. The cross represented a prominent feature of the landscape of that time. It has since been replaced with a man-made structure. The treasure hunters of yesteryear got everything right except one crucial detail… they dug in the wrong direction!

In days gone by treasure hunters found “the cross” & started digging into the sand right on the beach but the base of the cross isn’t telling you where to dig… it’s pointing the right direction to dig! The addition of the benchmarks makes it easier on current treasure seekers. To find the current resting place of Kidd’s treasure you’ll need to locate benchmark PL160 – or the spot it would have been if treasure hunters trying to cover their tracks hadn’t removed it. You’ll need to search the seawall & find the midpoint between PL150 & PL170. From that point, follow the line of the cross 30 feet. You’ll know you are going in the right direction if you pass a smaller vertical cross. Back in Kidd’s day, your “tunnel” would have ended in buried treasure. Today you do not need to dig, as a 30-foot tunnel would come right out the other side of the hill. That spot is where you will find the treasure!

Some may call me a fool for sharing this information, but I trust that you will treat the treasure as the historical artifact that it is & take only a small sampling of the treasure for their own. Do not feel the need to trade swag at this cache. While exploring the seawall be mindful that it’s called Cliffwood beach for a reason. Be careful. Be safe. Have fun.

This cache is certified Central Jersey.

Why I don’t trust banks…

Ericles — Wed, 28 Nov 2007 20:07:36 +0000

After my rant about paying off the load early the banks took interest and did the only thing they could to prevent me from paying… they lost the check I mailed to them.

This accomplishes several things:
1) They get to charge me $78 in fees.
2) They get to call and bug my wife.
3) We pay the missing month & next month up-front.
4) Profit.

So they manage to fast-talk us out of paying the extra not just this month but NEXT month as well. Bastards! Well, they messed up… they also sent me a “late” notice and now I have their damn address. Let’s just see them “lose” my next check with the extra several hundred dollars. I’m sending it Certified.

New Home – Pictures & Dollars

Ericles — Thu, 01 Nov 2007 20:52:26 +0000

First, I’m proud to say that I finally uploaded some dang pictures. Not sure why I waited so long except that I didn’t have the uploader utility installed. That’ s my excuse and I’m sticking to it. See pictures here:

http://pix.ericles.com

Click on the appropriate album and enjoy!

Secondly, I wrote my first check towards the mortgage today. Big Check. Gunna do it for the next 23 years apparently. What? How’d I get a 23 year mortgage? I didn’t! I simply rounded the amount I owed up to the next even thousand. It’s 9% more than what I would have been paying but it chops 7 years and over 75 thousand dollars off of the total that I will have spent over that period. If I choose to also make an extra payment with the year end tax refund I’ll most certainly be getting the loan will be shortened an ADDITIONAL 5 years and I’ll be saving $116,395 over the term. The bank will absolutely hate me and that’s fine. I want them to hate me and sell my loan every other month if it makes them feel better. Know what makes me feel better? One Hundred Sixteen Thousand Three Hundred & Ninety-five dollars. And Seven Cents. I’ll be 50 years old before I get to laugh all the way to the bank with my final payment if this plan stands. 18 years is a long long time to live in one home but you never know. One thing I do know is that I plan on doing a good deal of damage to the principle of this loan over the next few years. There’s an old tradition of displaying an eagle on a home you own. I can’t wait for the day that walk out of the bank, still laughing, and stroll over to the corner Iron Eagle store. I already have a spot picked out on the house. Until that time I’ll be pouring every cent I have (that’s earning less than 6.8%) directly into the house and I’ll have it paid off before I’m 50. You can bank on that.

Linkie:
Excel spreadsheet to show interest savings

Embarrased: Posting anyway

Ericles — Tue, 23 Oct 2007 19:04:01 +0000

It’s been so long and I’ve been so bad at keeping up with posting here that I have no excuses. I’ll just say that I’m “righting” now and I’ll get “write” into it…

Having a house is a good deal of work. I was prepared for this but didn’t actually budget any extra time for unforeseen things like having to rake the front yard clear of pine needles. Those blasted trees dropped 4 giant yard bags worth of needles in under a week. Heather & I made the best of it by jumping in the giant pile of needles when we were done. It looked like a haystack. We found a haystack in the needles!

The inside of the house demands attention too of course and I’ve been just about ignoring the as of yet still packed boxes. We have to hurry up and get everything out of the way though… we have more stuff coming in! When Heather’s father moved into smaller digs we happily agreed to take some of his overflow stuff once we had the house. Well, we’ve got it and we’re getting it – even if we don’t know where we’re going with it! The big ticket item is a weight machine. The plan is to put it into the basement…. where we’ll never see it again.

The cats are segregated. Poor Smechy couldn’t hack having the other two around and soiled the bed. Twice. We’re trying the Zero Odor stuff to get the stink out. The mattress is also covered with a rubber sheet & mattress pad. No stink is getting through all of that! Anyway, the kittens have the basement and Smech has the bedrooms. The rest of the house they time-share but never meet (unless a midnight storm blows the door open like this past Saturday). It’s creepy to be awoken from a deep slumber by the combined sound of gail force winds & cat growling. *shiver*

I’m still finding time to go Geocaching now and then. I’m up to 270 finds – including my first 5 star puzzle “Cloak & Dagger” which dragged me all over central Jersey finding urban micro caches, solving riddles, puzzles, ciphers & enigmas. I’m co-hosting my first event next month (This little piggy went to old bridge) & plan to launch my own puzzle soon. It’s still fun!

Besides that Heather & I have been getting up twice a week for a morning jog just as the sun comes up. Routine is the best way to stay motivated and having a partner makes it even harder to skip a day. One of us will mention how it’s pretty late and we should go to bed because we have to get up early for the jog (translation: can we skip tomorrow’s run?) and the other will invariably reply that yes we should get some sleep because I can’t wait to run in the morning! Teamwork … works. This has also given me the opportunity to explore the neighborhood a little more. I’ve discovered a back way into our neighborhood & a new park which is exciting.

That’s about enough for now. I’ll try to be more active on this site in the coming weeks. It’ll certainly be easier if it gets cold out but right now … it’s just too nice to say inside typing these words. Until next time!

General Update

Ericles — Tue, 25 Sep 2007 18:06:54 +0000

Yeah, not much time for writing these days. I’m spending as much time as I can unpacking and reorganizing the house. I’m also spending as much time as I can avoiding unpacking and reorganizing the house! This ”chronadox” leaves me with no time (apparently) to get anything finished.

Well, that’s not entirely true. I did spend most of Saturday building The Grill. Sunday of course then had to be Test The Grill Day. I didn’t really have a choice as you can see! Despite my procrastination efforts (and it is an effort) the house is coming along slowly. I’ll post pictures one day.

The cats are still at odds though perhaps to a lesser degree. With the cooler weather we’ve torn open the shutters and thrown up the sashes and the cats (all of which were outside cats at one point) can’t get enough of sitting on a window sill and starting at … whatever it is that cats stare at when they look at nothing. One day they’ll get to go and explore the great outdoors but we’re not quite to that point yet. They haven’t even explored the entire INSIDE of the house!

The biggest news of the week is Heather’s new job. I wont spoil her fun of telling everyone so you’ll have to call her and ask if you want more information ASAP.

That’s about it for The News from Treasure Lake. Running? Geocaching? Football? Not enough time for everything. Not even for blogging! On the upside, I’m too busy for cluster headaches – the’ve all but subsided. Yay! Until next time… gotta go!

Homeowner!

Ericles — Wed, 12 Sep 2007 21:17:28 +0000

It’s done! I’ve been offline packing/cleaning/painting/packing/cleaning & consoling scared kitties for nearly two weeks so I apologize for the tardiness of this post but it was necessary believe-you-me. Here’s the summary:

Because we’ve had so many close calls with closings we really didn’t start packing until we finally closed. That happened on Tuesday September 4th. The sellers, the buyers & their respective attorneys & realtors all gathered around a big able and signed papers at each other. All told I siggied 39 times and just like that (over an hour) I became a homeowner!

And then came the insane packing blitz. We had only 3 and a half days to completely paint 5 ceilings & 4 rooms (after spackling over and sand any holes/cracks), clean 6 dozen cabinets/drawers/closet shelves, wipe down every flat surface, vacuum the non-flat surfaces (including the interior walls), and steam-clean 3 carpets. Whew! Oh, and then there’s a 7 room apartment to pack, 3 more rugs to clean, a several dozen chunks of hardware to remove from the walls (and then spackle over), a porch full of garden & a trio of cats that need consoling. Yeah, we didn’t have enough time.

The actual moving day went fairly smooth like. The movers showed up, loaded stuff, left unpacked stuff, drove truck, unloaded stuff & broke very little. The unpacking is going slowly but we’re taking it one room at a time and spending most of this week just getting the apartment broom-swept clean so we can get our security deposit returned in one piece. After all the work we put into the apartment if they try to keep one red cent of that deposit so help me I’ll knock the fridge off-level, rip the lighting fixture out of the bathroom, break down the shelf in the kitchen, tear out the insulation from the attic, insert a ton of staples into the floor, a handful of nails into the porch & a bunch of pubic hairs into the paint. That way we’d be leaving the place JUST AS WE FOUND IT. That’d show’m.

Ok, that’s enough typing for now. I’m writing this at work because our internet hasn’t been turned on yet. I’ll write more when I can!

Zip Code Madness!

Ericles — Fri, 10 Aug 2007 03:18:42 +0000

Everything is progressing well on the purchase of the new house. Nothing really to complain about except I don’t know where it is we’ll be moving in a few weeks!

It all started when the insurance folks asked me which county can claim ownership of the land. I blinked… loudly… and proclaimed that I really had no idea! Its on the border you see and my map didn’t have enough detail. I’ve since looked it up and it’s indeed Monmouth but the fun doesn’t stop there, oh no! You see there’s also the zip code to throw monkey wrenches all around haphazardly. I’ve been hit in the works with a Monk-Wren and it smarts!

Here’s the thing: Our zip code is officially 07735. The tax tables say that 07735 contains Cliffwood Beach [Monmouth] (Us), Cliffwood Beach [Middlesex], Union Beach & Keyport. I can rule out the Middlesex & Union Beach addresses, but the trouble is the address written on The Deed says Keyport while maps obviously point to Cliffwood Beach. Which is it?

This is no arbitrary decision. Hundreds of dollars in property taxes (which we’ve learned are paid to Aberdeen by the way) and preferential treatment by the insurance companies is at stake! I’ve decided that I’m going to say Cliffwood Beach when folks ask where I’m homing up. If they give me the “Oh my god I’ve lived in NJ for [n] years and I have no idea where that is but I don’t want Eric to know that!” look I’ll say it’s in Keyport. If the look continues I’ll just add “Exit 117″ and they’ll smile and nod approvingly because everyone knows that’s exactly [n] miles from their Parkway exit.

Uh.

What was I writing about again? I don’t remember. I’m going to bed. While there I’ll dream of my new house in Keypwood Beach, Monmoddlesex County.

On houses, runs & general silliness.

Ericles — Wed, 01 Aug 2007 16:42:06 +0000

Our neighbor moved out yesterday. By complete coincidence our doorknob broke at the same time. We thought they changed the wrong locks. Just a coincidence. They fixed the lock/doorknob. Huh.

With our closing date of Aug 30th we’ll probably end up paying rent all the way through September. Drats. If the apartment masters are able to clean/repaint/rekey the place by the 15th however we could save six hundred plus dollars. The extra is what I expected to be paying movers to make it easier on myself, but now I’ll be toting my own bale. The upshot of all of this is that we’ll have lots of overlap where we can go between the two domiciles and pack/move/clean to our hearts content (or two weeks goes by, whichever comes first).

Want some good news? The mortgage has been approved and locked in at a rate of 6.125. Back to the magic number from earlier in the year! We were able to swing this lower rate because I qualify as a “moderate income” shlub. Fine by me. Any special program that saves me money is worth it. Label me a waddleflap for all I care, just as long as my bottom line is happier.

The next step is to get do the title search (another expensive proposition that really only takes some clerk 10 minutes + a phone call) and get the house insured. I’ll be going through NJ Manufacturers who currently insures our cars. I might even get a break on the car insurance. Once these two things are done we only have to wait until the 30th and the closing. I’m still waiting for a shoe to fall on me, but so far all is looking good!

Speaking of shoes… this past weekend I donned my running shoes & imported my Mother from North Carolina to run in the Ocean Grove Biathlon. I do it pretty much every year and had been training for about two weeks to make sure I didn’t embarrass myself. Well, the end result… I finished last. Or first. Depends on how you look at it. You see, the race was the 21st not the 28th as reported by this website:

http://www.njlaws.com/calendar_of_community_events.htm

Why I chose to look at that site instead of all of the others that told me the race was on the 21st is beyond me. I guess it wasn’t meant to be and that I’m supposed to run the Neptune City 5K this Saturday instead?

Maybe I will… maybe I will…

Moving Right Along…

Ericles — Thu, 26 Jul 2007 18:25:38 +0000

Wow! What a difference having a motivated seller makes when trying to buy a house! We’re out of Attorney Review, have the inspection planned for later this afternoon & a mortgage company picked out. My goodness, this could actually happen this time!

Unless the inspection reveals gremlins in the appliances & a troll in the basement anyway.

So I’m glad we’re finally progressing but I’m pissed that I missed the boat on good interest rates. The first time we had pre-approval for a loan our rate was 6.125%. The best we could do now is 6.5%. If you don’t care to do the math I’ll do it for you: 0.375% amounts to $54/month or $19,370 over the term of the loan. I choose to look at it this way: lawyers and bankers have already cost us over $20,000 and we haven’t even closed yet. Thanks!

Here’s the thing: I won’t forget this. The plan right now is to leave the state (and the law specifying that lawyers are mandatory) for the next house purchase and go somewhere cheaper. I don’t intend on taking a loan for that next house. If things work out Banks will never see another dime from me. I’m not just bitter because of the whole “buying a house” fiasco either. Many years ago First Union dropped a fee on me for not holding a minimum balance. They took my remaining few bucks, bounced a few of my checks and then didn’t tell me for a week during which time I bounced another check. It cost me around $60. Why did I let it drop below the “minimum balance” you ask? Because in the agreement I signed with the bank that was purchased by FU there was no minimum. They simply usurped my bank, changed the rules and reaped the benefits of fees on all of the “legacy” accounts. Thanks!

I pointedly chose the word Usurp above. I look at banks as the new monarchy. Did prior monarchs rule because they were regal & just? Of bloody course not! They ruled because they had all of the money! In the end they could afford to pay the military to keep people in line and for really thick/tall walls when they stepped over that line. The only difference is the banks can’t tax us directly. Or can they?

When it comes time to close the deal on the new house I need to hand over the down payment. The banks refuse to take cash or a personal check. I can only hand over a Certified Check or make a Wire Transfer.

The Bank charges me $12 & $15 dollars for each respectively. I smell taxation. Where’s my representation?

New House – New House

Ericles — Tue, 17 Jul 2007 00:49:35 +0000

It’s a new new house although it’s only new to us. You see we got tired of being dicked around by the previous sellers’ attorney and bank (Adios Banco Popular!), ixnayed the deal, made a bid on a new dream home and as of this very evening have a signed contract. We’re back in attorney review – but this time with real people who want to move out. We even have a closing date. The house is in Keyport, NJ right off of Treasure (“Yarrr! X marks the spot!”) Lake and a 2 minute walk from the bay.

Sorry, no pictures this time. I’m not going to jinx it. I will send you a linksie or three though!
Google Maps Sat View
Zillow’s House Page w/Birds Eye View
City Data for Keyport, NJ

I’ll provide more info as things get settled!

Quad Cat Info Blast!

Ericles — Tue, 10 Jul 2007 18:28:44 +0000

I’m filing this one under just about everything because it contains one pertinent bit of info from most of the categories. Whee! Here we go:

News: I’m upgrading my computer so my connectivity is somewhat limited. I dropped in a second video card to complete my SLI upgrade path & swapped out my old Athlon 64 3000+ for a shiny new Dual Core Athlon 4400+. I would have went with the 4600 but couldn’t find the part on the cheap. I ran some benchmarks before and after and it looks like my (synthetic) FPS scores nearly doubled in games while my gigaflops (processor speed) actually increased by a factor of 2.4. Very nice and well worth the upgrade. Just wait until I start cranking some multi-threaded apps. The downside is that Windows was horrible unstable when I got done so I’m reinstalling the OS and it’ll be a few days before I’m fully productive again.

New House: We’ve passed another “final” deadline on gettig bank approval. Then he attorneys went on vacation. Now we’re waiting (over a week now) for the seller’s attorney to return the phone call & emails that our side has been sending. In the mean time we’re looking at other houses. The bank’s delays have now cost us over 5 grand in interest (over the full term of the loan) thanks to the ever-increasing rates.

Geocaching: Heather & I woke up at 4:30 AM this past Saturday to make it to the “07/07/07 at 07:07″ Event down near Cherry Hill. The turnout was unbelievable! Any cacher who’s missing out on events is missing out on a lot of the fun of the sport. Afterwards we teamed up with 7 other cachers and hit 7 additional caches. Funny how that worked out, eh? We took off for South Jersey after lunch and ended up meeting a cacher from the early days of the sport at the family BBQ. We’re everywhere! Also, for the past 17 days I’ve had a streak of geocache finds. I’ve set a new record and I’m still going! Check out my statistics at It’s Not About The Numbers.com.

Brain Dripping: I hate to see news like this. In a nutshell, someone named Eric Dalton got shot in the chest in Winston-Salem NC. If Sarah Connor had paid more attention to the news she could have beat feet before The Terminator found her and killed her friend. But seriously, I hope he’s Ok. I’ll keep ya’ll posted if I can dig up more news.