Business, most of it.

.
.
I was moving slowly today.  At least I was moving.  Oh, no dishes to do, I've been keeping up on those, so far.  Last night I transplanted the peppers that needed it but hadn't swept, so I did that this morning.  Bits of dirt don't make it from one thing to the other, or this and that, when working indoors.  Medicines have been taken, the girls were fed early.  I've been out to be company with Sam as well.  Then I remembered I had business to attend.  It was too late to call the V.A.  This particular office closes pretty early on Fridays, but the rest could go forward.

The first was to call and check on the utility.  To make sure, first, that it wasn't me, somehow, in debt.  If my eyes were seeing correctly, then to get a refund on that and set up an automatic payment.  It turns out that there is a refund, it is as large as it seemed, and they will be sending a form by which to begin automatic payments (again again).  Then a call to check on refinancing.  The place works with V.A. loans, there is no fee/cost associated with it, and it will knock two percentage points or more off my loan, I do believe.  On top of that it will skip a month of payments right off the bat.  Yeah, that... could be worth it.  I didn't, and still don't, know what to expect.  I will be doing a bit of research on this, and I know not to go into anything that bubbles, or is dual term interest rates.  Rates, pretty much, can only go up.  No matter how good a short term payment can look, if there is room for interest rate readjustments in the future I am out.  No deal.  Only a lower 30 year fixed, period. 

Still, the fine print can kill you.  I won't make a decision at the meeting.  A loan officer will be here tomorrow afternoon.  There is some potential for a minor windfall, which with the utility refund will erase the recent repair debts and put me a bit in the black...  Uhrm, minus what is going on with BMan...  I best watch my numbers.  It's easy to go crazy.  But I would like a few things to wear that are a bit unique, inexpensive, home-made, perhaps with some of what I already have...  I need to decorate my bike if I can get in the saddle and make it useful.  I think I have most other things arranged otherwise though.  Plus what I already have planned.  Hmm... might just go with the gig I'm planning and a kilt and kit for the kilt to though.  The rest will probably just be plain if I go that way.  If they don't like it they can lump it, I'm not made of gold even if my poo doesn't stink (urhm, in my opinion :)!  Hrumph!  Hmm, I need to find my engineering boots and get those in order.  I think the boots, knee high to me, would work well with both outfits, personally.  Dunno, thinking.

But, that... takes a load off.  Now I can get to things I had been holding my breath regarding, a bit.  Later.