I swear, every morning it's getting harder and harder to wake up at my normal time. I know I've always been a person that needs a good 9 hours of sleep, but most nights I get at least that. It might be that DH put some sheets over the shop garage door windows, so I'm not getting some of the natural morning light coming in as daylight starts, not to mention it's not getting light out until later. It's almost 8am before it gets light here! Oh well, hopefully my extra sleepy-ness will start to reverse after the winter solstice and it gradually starts getting lighter earlier each day.
DD is checking on if they can get the PMI insurance dropped from their mortgage. They have been at their home 2 years now and estimated value (and what other homes are selling for in her neighborhood) has gone up quite a bit. She emailed her mortgage broker, who ran a valuation on the house and it is a bit more than they would need it to appraise at to drop the PMI. That would give them about $200 a month extra, she said.
House update: we still do not have a complete roof on the house. Hopefully by the end of this weekend we will. They didn't order enough siding, so now have to wait for more of that to come.
FIL/MIL update: Both are still in the rehab care facility. FIL got pneumonia last week, which they are trying to clear up. They said MIL is ready to leave on Sunday. SIL tells them she can't go home, there's no one to take care of her. Again, that is not the facilities problem! She's had 6 weeks now to come up with a plan, knowing on the high chance that MIL probably would not have to stay as long in the rehab place as FIL. They told her she could stay on for $345 a day. So, do that then. I'm not sure why she is ignoring that she needs to come up with a plan for this. Especially knowing the past almost 2 weeks that FIL got pneumonia and isn't going to be able to care for himself, let alone his wife, for awhile. Just because she is not physicall able to care for herself is not a reason for rebab place to keep her in! They put her in for a medical reason from her hospital stay and now that is cleared up. She needs to pay for her care now herself, if she can't take care of herself. So, of course FIL is now saying he's going home Sunday, too, no matter what. That's just a recipe for more problems SIL will have to deal with, in my opinion. She's the one in charge of them, proximity wise and financial wise, so she's going to have to make some decisions. She probably could have had something figured out during this time she hasn't had to constantly be running errands and going to their house all the time for them. But, she seems to wait until it's "maybe" a crisis, like when FIL's surgery went bad and he was in ICU. Then's she's texting her brothers asking what should I do? Then she doesn't take their advice. Oh well, one way or another it will work out for them all and they will figure it out.
Thankfully my mom is like her boyfriend, who has a little apartment in assisted living place. He planned ahead and knew he'd need help and not to rely 100% on his kids for figuring it out/taking care of him. He sold his home a few years ago and moved into this nice place. That is my mom's plan, too, when she can't take care of herself well anymore either. Whether that ends up happening by her deciding to move before it gets absolutely necessary (the plan) or whether something happens to her healthwise, making it happen. She has her home "sale ready" for when the time comes. Over the past few years she has reduced her belongings and given stuff away she doesn't or won't need. She had dd and I make a list of the stuff she currently has that we may want, when she has to move/sell. Thank you mom for being so proactive with getting older!
Inlaws do not take care of their house and never have, really. Plus, they have not tried to downsize their belongings as they got older. My grandma did. My mom has done that. My grandma was able to live on her own until her early 90's, but when the time came to move into assisted care, her home was "sale ready" and since she had gotten rid of stuff over the years, in preparation for it someday, it was a pretty painless process. Same way will be for my mom. My inlaws house is awful. According to SIL they have not even turned on their furnace for a good 10 years because FIL is afraid it will blow up or something (they heat their house with their fireplace insert/firewood.) They could certainly have had it repaired/replaced. DH tries to blame this on "well they are poor". Well, they are not poor. They aren't rich, but they are not poor. They own a house. They have a retirement pension and social security. My grandma had even less then they do, but managed to have her little mobile home clean and maintained and easy to sell and move out when the time came.
So, I'm sure starting Sunday will be a bunch of texts from SIL as she doesn't know what to do again. Like my DD said, does it really need to be this hard to figure out? No, not really. The in-laws own their home except SIL said they have like a $20,000 line of credit against it they owe on, plus their retirement income. It basically boils down to they either need to sell their home and move into assisted living, or since they refuse to move, they need to do a reverse mortgage then and get the equity out of their home so they can fix it for living in and pay to have some help come in on a daily basis and live in help if FIL has to go into the hospital, so MIL can stay at home and have someone there to care for her. What other options are there?