Okay brothers and sisters...I need your input on this prayer request matter...

[Anonymous]

What would you do, if you could be in my shoes or situation? Let me know as I have to have an answer by 9:00 PM tomorrow night and preferably by this evening!

I have a young couple with a 2 year old son wanting to buy my Cuba, MO home! They have offered $125,000 which I paid in 2008, about a year ago! Jane my RE agent says she will reduce my commission to 1/2 of 6% the normal rate for home sales! She doesn't have to put it on the Net, so has no expenses for advertising! I slept late and by the time I rec her phone call, I am running late for Cliff and my dr's appoints. She may be able to get them to go to $130,000 but doesn't know if they can handle it, because he is the only one working and she is a stay at home mom, planning to increase their family with another little one! Hurray for her for putting her family and children first!

I really don't know if I really want to sell it, but we would be better off as he has all his drs up here, and I am ill too with a sinus or bladder infec or both! Not thinking clearly and rushed.....have too many irons in the fire!

I will probably just make what I paid for the Cuba house and will lose what I paid to borrow the loan on my home here and some other interest losses by paying on a Home Equity Loan besides my mortgage payment and other credit card debts! Won't be enough to get out of debt but will help!

Since I believe God was in it for buying the Cuba home, I just can't decide for sure what to do, as I hurt and am confused! Please pray and tell me what God's Holy Spirit is telling each of you for me! Thank you and I will get back and post more as soon as I can. We are going to be late for our drs appts and called to let them know! Gotta go shower and get dressed, so we can get there without being too, too late! God Bless! Betty

 

[SeniorSeeker]

Dear Betty,

Obviously I know very little about your background and only what you have shared with us here. As an ex-Realtor I would advise you to sell and here's my reasons. You and your husband have your share of physical difficulties and you're not getting any younger. Who knows what your future will hold a year or five years from now? The last thing you need to be worrying about right now is a house and all the upkeep that goes along with it. In your situation, you would be far better off if you owned a condo or rented a nice apartment from someone else in a nice neighborhood. And to top it all off none of us knows what the real estate market will be 6 months or a year down the road. If the price your getting for the home will pay off your mortgage and give you enough to make a new start, I'd sell the house. I would be careful to not put the young couple in a financial bind by inflating the price of the home. That's what got us into this housing mess we're in now. On the other hand, you do not want to put yourself into a financial bind either. You need to come out of this situation with a 'Clean Slate' and able to begin again. That's my thoughts as your brother in Christ. Please accept it for what it is.

Sincerely,
SeniorSeeker

 

[Paul (AR)]

n/t

 

[Anonymous]

Thanks SeniorSeeker for your Point of View! Here is more of the story concerning my having two homes right now! Cliff, my brother and not my husband, came up from Hollywood, FL in Oct 2007 to help me with getting my home ready to sell but, alas, he found out he was sick just like me with COPD (which is lung problems of emphyzema, bronchistis & asthma. He started on oxygen at night (which I also am on during the night) but eventually he had to go to 24/7 on the oxygen and now is on 10 liters more or less depending what he is doing and whether he can breathe or not! He kept passing out and after hosp stays and tests plus a pulmonary dr besides his primary dr, he found out he has PAH....Pulmonary Arterial Hypertension...which you can read about on the Net by just typing in PAH! He is on a very expensive medicine Tracleer that is being paid for by a gov't grant until the end of the year! It costs approx up to $5,000 or more a month for the tiny pills! They just increased his dosage from 64.5 mg to 125 mg per tablet or pill! He takes two a day and they are what is keeping him alive but God is most of all!

The dr told me today, when I was there for infections in my sinuses and bladder that Cliff would have been dead by now, if it were not for the meds he is taking and he is on a Nebulizer with med for that! A motorized wheelchair, we hope, is being ordered for him, as they were out of stock and maybe he can get around better! It is hard on me to push him with the office wheelchairs, for he doesn't have one of his own! The dr said, Cliff is really a good guy though and brought me to tears! I told Cliff what Dr Vaid said, and he said maybe not, as our Lord knows more than they do!


Last June when we were in the country visiting friends and going to the cemetery for Decoration of the graves at the one by our old farm, we left early to go see some homes in Salem, MO...just the outside of them and really didn't like any but a couple in town! Then we went to my sister's home below Rolla, MO to stay all night with her and the next day we went to Cuba to look at some homes there! We stopped to get a map of Cuba from the Century 21 office and Jane my RE lady was in her offrice and offered to show us the outside and inside of some we were interested in.....well afterwards, she said she had one other which we might be interested in and the cost was in my price range, which only had been up for sale for a week and the owners were on vacation! She took us there, and I felt like God had it special for Cliff and me, as there weren't a lot of steps to go up and down and the laundry room was in the kitchen area and with no basement to go up and down steps!

I had been looking at other homes in the past and the ones I liked were under contract before I could get it, but do you know they had basements except for one big mobile home and it was on 4 plus acres and if I had bought any of them, we couldn't have lived in them because of steps or a lot of mowing and yard care! Through prayers on this forum I believed God led us to the right one....in Shepherd Hills subdivision, on a not through street with beautiful sidewalks, mailboxes (all look the same) and outdoor street lights that are really nice and Bradford Pear trees all along the street!

Then Cliff was getting sicker and on oxygen all the time, when I closed the deal in Sept...remember, I signed a contract in June! We went down once in Oct, 08 to see about getting the house ready to move into and had taken cots and etc. for staying over night and not have to drive back in one day which tires me out! And that was the last time we could get down, for Cliff became very ill with a cold and coughed and coughed! That's when the dr put him on oxygen all the time! Then he began to pass out and shake all over but wasn't out very long but couldn't remember what happened. The second time he did that, he was sitting in his chair and we guess he started to get up and he passed out and hit the edge of his bedroom door (breaking his nose and bleeding profusely) the wall and the floor! I heard the thump and went in and he was lying there bleeding and had tried to get up but couldn't, so I helped him raise up but not all the way...he is too heavy for me to lift! I called the ambulance and he agreed to go to the hospital where his primary dr is and they took tests with even heart and pulmonary drs checking him out! He went into St. Louis University Hospital for more tests, but they weren't any better in finding out than the first hospital and cost a lot more and took worse care of him! He will never go back to them, if he can help it!

Now, if he should pass away, I wouldn't have his help in paying my mortgage which has doubled since paying cash for the house in Cuba, MO. Therefore, with not being able to continue getting the one we live in ready for sale and sold and the prices of repairs going up and up, I have to make up my mind what to do! The taxes and etc. are cheaper down there, but the distance to travel to many places is farther, as everything we need is in a five mile radius and easy to get to for supplies and etc. The drs, hosp and lab are close within two miles from where we live and no trouble to get to at all! But my taxes and ins are expensive and I have lots of debt that I can't pay off in full unless I sold this one and lived in the Cuba, MO one.........sooooo, you see I have a difficult decision to make, because of the many problems that have risen; therefore, I am asking for prayer and for God's Holy Spirit to lead me into making the right one for all concerned. My sister and I could live in the Cuba one, if her ill husband (who has COPD also) and Cliff should pass away before very long and if not, then I could still be paying for two homes and lots of bills! I also wanted to leave the Cuba home (free and clear) to my youngest daughter who has never had her own home...just trailers...for her to either live in or sell, because she has Fibromyalgia and maybe other things wrong with her and won't always be able to work...her husband is unemployed as of now! She works cleaning rooms in the Victorian Inn in Cape Girardeau, which is hard for her to do because of her constant pain and tiredness all the time. My other two children have their own homes and aren't having as many difficulties as she does, so I would feel better knowing she had a place of her own, too, when I have passed away from this mortal body!

Now, you know and hopefully understand why I have asked for guidance through prayer and also by God's Holy Spirit speaking to others about what I truly must do for Cliff, me and the family who wants to buy it, but only want to pay what I paid for it, so that means I would lose quite a bit.....the interest I have paid on all my debts to get the loan to pay cash for the Cuba home but increasing my mortgage here and all the monies I paid to get the new loan and paying off the old one plus the credit cards at that time, but now have plenty more!

So, you see, I am betwixt a rock and a hard place....with Jesus as my Rock and the hard place the devil, who wants to see Cliff and I fail and back into the darkness of wickedness...struggling to pay for anything! We both have SS but mine is very small and his is more but not by a whole lot and now he has all these medical, dr and hospital bills to pay! But we still lean on and trust in Jesus and know He works all things out for our good and for His purpose by believing faith! Amen! God Bless! Betty

 

[Anonymous]

Thanks, Paul AR! You can read the post to SeniorSeeker and then you'll know why I'm having a problem making the right decision! I want to talk to my sister before agreeing to the contract and see what she says and do some more praying before I do keep it or sell and not do like I did when I purchased it and signed a contract the first day I saw it and not for very long either! It is a nice place and I don't want to give it up too easily! But we never know what the future holds and letting it go may be the best for me and the young couple who want it! He is a State Trooper and they are from Herculaneum, MO where they sold their house and moved to Cuba and are renting until they buy one and they sure like mine....just as much as I did or do! God Bless! Betty

 

[Pete's Wife]

Wow Betty, tough call. It doesn't sound like you're in much of a position to lose money though, with your debt load and all the expenses on the house you're currently occupying. OTOH, maintaining 2 houses just keeps you going further into debt than you already are! Pete asked me to send you my thoughts on this, but I really don't know what to say. I hesitate to do anything that would cause further loss; if I'm reading this right, it might come down to if you'll lose less keeping it or selling it, since it doesn't sound like selling it for a profit is an option (especially in this economy!). I told Pete I'd write, but really don't know what to say...I know that God makes Himself and His will known to us, and am praying for clear direction for you.

Sherry

 

[RickIowa2009]

Praying that the decision is the right one!

 

[dirtdigginlady]

Ask for the $130 if it is meant to be, they will come up with that much.

 

[TURNMASTER]

OK Betty,

1 you are obviously a praying lady does GOD answer your prayers clearly when asked? If so do exactly that and nothing else period!
2 if you are getting lots of static, stop and take a deep breath and ask for protection (lots of protection), then go back to #1.
3 I'm with Pete's Wife my gut feel is if you must sell, sell for the least amount of loss.
4 factor in average travel expense for 1 year (longer if you can) and add the fuel and oil to the loss to see which loss is actually greater ( I do not know the distance or fuel economy ).
5 PLEASE REMEMBER travel time is not a cost but an inconvenience for most of us
6 travel time can be a great time to pray (lemons to lemonade) I find a lot of peace in driving reasonable distances (varies for everyone)
7 list the pros and cons for keeping each house, as many as you can think of, on paper - this exercise may help on clarity (it helps to remove the emotion from the decision).

I hope I am helping and not hindering

good luck and GOD's blessings to you
JEFF

 

[SEMPERFI61]

here's my 2 cents worth betty.get you money and run!!!hard times are here and they will get worsethis economy is going to get bad,i mean real bad!!you are lucky you have someone interested.get what you can without losing any money.we are at the "end of times" ,things will get worse,this nation is going broke or its already broke!!printing extra money and nothing to back it up.god is trying to tell christians to get out of debt years ago,save what you can and live with the basic needs.bible says a loaf of bread will go for $20 in the last days we are not far from that.again i say grab what you can,even if you do not make a big profit.the way this nation is going very hard times are coming many will be hurting,all common sense is beening throw out the window.
" BEHOLD I COME QUICKLY"

 

[Anonymous]

Thanks to each one of you for your posts and input on whether to sell my Cuba home or to keep it! Each one has a lot of information and leaving me to make the final decision after lots of prayer! Well, brothers and sisters I have come to a peaceful decision and I am keeping the Cuba, MO house! I called my sister and she didn't get an answer for me from God but she did pray that He would give me the answer, and He did!! Glory, Hallelujah!

This is why I came to the decision to keep it and not counter-offer with the $130,000, it wouldn't have made much difference in the amount of money I would net from the sale and the house is already paid for, sooooo eventually, either I will live in it with or without my sister, Carolyn, or sell it at a reasonable price to my grandson, Joey, his wife Jessica, Jayden (our little Pink Rose Bud) and their new little one due anytime now. She is working at a Dierberg's in IL learning to be a manager over the deli dept I think....but not sure as I forget too easily, so I think she could get a good job in one of the larger stores in Cuba, Rolla and surrounding areas and Joey is just working at KFC parttime. He wanted to buy this house using rent to buy, but I could not do that because of still owing money on the loan (although almost paid off) but still had a Home Equity-Line I needed to pay plus credit cards! Therefore, I had CMD Forum members praying for me to be able to buy the Cuba home and to be able to get the loan on this house to pay cash for that one....planning to sell this one and move into the other to be closer to our sister!

But Cliff became more ill and is very ill now! He had another fainting and falling spell again today and hit his head, nose and mouth bleeding profusely ! Scared me because most of the blood coming from his nose was real thick like liver and blood mixed together and since I'm not feeling well from my infections...I nearly threw up trying to clean him and the floor! Put all the bloody cloths and etc into cold water in the washing machine to soak and run through a wash cycle later! He has more cloths and hankies to soak and wash along with the others! Called the dr and finally got a call back as he was busy with patients! I talked to him and he said that with the condition Cliff has (PAH) that he isn't getting the oxygen into his blood and that is why it is thick and lumpy! He said this will happen when he goes through his hacking and coughing spells, as he loses oxygen loss even more! He didn't want to go to the dr so I bandanged up his cut arm by the bend of his elbow! It was already black and blue from blood drawing and will need another one this month to keep check on the med he's taking! The lung dr also said that he is trying to get another med approved for Cliff to go along with the Tracleer he is now taking! I told him that he can wait until tomorrow and, hopefully, with some rest and sleep, he will be some better tomorrow, although he will be black and blue with a lot of swelling around his eyes! Please keep him in prayer!

Now, back to why I chose to keep the house! If Joey and his family need a place to live, they can live there cheaply or buy the house whichever they prefer with the provision they let Carolyn live there too, should she lose her husband and become disable to work because of her illnesses! But if she doesn't want to live with them and they choose not to live in the house, then I will leave the house to her when I pass on, because I would feel much better knowing she could afford a place free and clear of debt. Well, repairs and upkeep go along with any place, rentals, trailers, homes and etc. Also, who knows if the other two might need help in that way, as we do not know what this economy is truly going to be but can guess! Then, there is Cliff, who could move into it and be able to pay with or without Carolyn, but he would need to have help getting around to the clinic in town and to other drs, if need be. I know my kids cannot afford to keep this house should I go on to meet my Lord in death or in the Rapture, so he needs to have a place to live and couldn't afford to pay high rent or afford his own place! So, being who I am and have always been there to work for and help people, especially family, I've decided to keep it for that purpose and not sell it within a year of buying it!

Now, here is why I came to that conclusion! Many of the members on this forum prayed for my brother a long time to come up and be with me and he finally did by my sending him money ($2000) and then he paid me back a little at a tme. Prayers were answered!! I had prayers for buying the Cuba house or not and for the loans that I needed to pay for it! I was paying mortgage of less than $500 a month but had to pay the taxes ($1800 plus and Ins when due)! When I rec the loan an older woman with very little income to show but with an IRA most loan company's would not have done...closed in Sept 08, just before the bottom fell out for loans and the rest! Therefore, I believe the Lord was in it all the way and even seeing it and drawing a contract up in June 08 on it before anyone else could grab it was all in His blessings! The Lord provided the house for me and actually has helped me through the years since the divorce for me to keep this one on very little income! Repairs and other things were left undone until Cliff came and helped me physcially and financially but is unable to do now and I can't do as much as I had been doing.....so it has been slow getting this one ready for sale!

With Cliff being so ill, he may not last through the winter, but then again he may and either way, we or I will eventually move into the home! Our mom and dad's home didn't sell for ten years after their deaths, but the Lord provided and I had a place to stay when I was down to church services and didn't want to drive back for a day or two! Truly was saved and filled with God's Holy Spirit during that time of sadness with my parents passing away in the same year of 1984 and my ex filing for a divorce and leaving the home in 1986! My Savior, Jesus Christ, showed me that He really loved me in all those upside down times and I am a far better person for it! Praise God and Thank You, Jesus, and Holy Spirit!

I talked to my sister last night and had her and a friend of hers pray that would give them something to give me concerning selling the home! She prayed but didn't get anything but just asked for Him to give me the answer and know what I should do and He did.....here is what happened...I went to bed but could not sleep! I was praying and thinking over things again and then I heard in my Spirit....get up and read your Bible, but being so tired and not feeling well I hesitated but I heard again, Get up and read your Bible! This time I did, but being so blurry eyed it was hard to do.....I read 1st and 2nd Thesalonians and then was going to read I think Chapter 59 in Isaish, but was too sleepy by that time and had to go back to bed! 1st Thesalonians Chapter 3 tells about suffering tribulation and and verse 8 says, For now we live, if ye stand fast in the Lord....and that is what Pete has mentioned in his post a while ago but it is talking about living for Christ and then arising unto Him!

This gave me the answer and peace....because I knew that all would be well whether Cliff lives or not and if I kept the Cuba home or not, for I am His child and a takes care of me and him also! I went right to sleep and slept until almost 10 AM not much sleep, but I don't feel sleepy! I know that whatever the economy does that God provides and will meet my needs! I remembered I have some antique furniture worth something, I have my silver found detecting, which is far better than any paper money or bank accounts based on paper money! I need to clean out the clutter of having too much and get some money for it or give it to Good Will, The Kidney Foundation or the Children and Women's other chances. The kids can take what they have left here and what I don't want or sell, so Thank YOU ALL, I have with your prayers made the right decision for me and my family and our needs! Gotta go as Cliff's arm is bleeding again and have to take care of it! Love ya all! God Bless! Betty

 

[Anonymous]

Where it says Joey is to make provision for Carolyn it should say Tami! Tami is Joey's mother and Jayden's grandmother. Carolyn is my sister, so I goofed as usual! Forgive me for all my goofs! God Bless! Betty

 

[TURNMASTER]

Glad to hear our at peace with your choice and it is good to know people listen to the voice of GOD

 

[Anonymous]

Thank you, TURNMASTER, and today my daughter , Tami, came to see Cliff, Carolyn and me before she went to the hospital to be there when her 2nd and newest granddaughter arrives! She saw the pics of my Cuba home and really liked it....her and Troy kind of assumed it was nothing like it is! I hope she will be able to inherit it from me, someday, when it's time for me to leave the home or earth, whichever comes first! My sister, Carolyn, is here visiting with Cliff and me and helping to take care of him! He isn't in good shape and Tami just about cried when she said, goodbye to him and left! Hopefully, my other son and daughter (the oldest children) will be able to sell this home and have enough monies for themselves, so they'll not be jealous of Tami! They have homes and she doesn't and never has had a home of her own, except for trailers! Thanks again and God Bless! Betty