Graysen got a spring horse for Christmas. Giddy up, Cowboy!
Malyana & Graysen opening presents.Wednesday, December 27, 2006
Christmas Memories
Graysen got a spring horse for Christmas. Giddy up, Cowboy! Malyana & Graysen opening presents.
Friday, December 22, 2006
rub a dub
The other night I started the bath water for the kids and while I went to get the towels, Graysen decided not to wait for me.House Update
Yesterday we received a phone call from our realtor. She told us that the house on Fairview (our first choice was no longer available) So that helped answer that question.
This morning Scotts dad came down and went the house on Pruden with us to give it a once over. He confirmed what we were already thinking on the amount of work that the house would need and then some. Fortunately the work it needs nothing major. The house itself is pretty sound. We really appreciate that he came down to help us with the decision.
I called our realtor to make a counter offer. So the ball is in the sellers court. This offer is the highest we will go because we just dont think the house is worth any more. If she does not accept it then we are done. We will either continue to look or stay put. I have faith that God will lead us in the right direction and I pray that we will listen.
This morning Scotts dad came down and went the house on Pruden with us to give it a once over. He confirmed what we were already thinking on the amount of work that the house would need and then some. Fortunately the work it needs nothing major. The house itself is pretty sound. We really appreciate that he came down to help us with the decision.
I called our realtor to make a counter offer. So the ball is in the sellers court. This offer is the highest we will go because we just dont think the house is worth any more. If she does not accept it then we are done. We will either continue to look or stay put. I have faith that God will lead us in the right direction and I pray that we will listen.
Wednesday, December 20, 2006
I have a house headache
OK... so here is the story on the house hunting. We currently have a counter offer from a house that is located off of 25A. It has a Sidney address but is still very close to Piqua. It was not our first choice but as I wrote before we were outbided on our first choice. However this house make a nice second choice.
Well, Scott has been trying to get some more details on our financing. The last we heard a few weeks ago was that our mortgage guy could get us a price that we could afford, but we never received a good faith estimate and he could not give us the exact interest rate on the loan. But anyway, our mortgage guy told us to go ahead and get with a realtor and find a house that we like. So that is what we did. Now that we have an offer in on a house and have received a counter offer, we were feeling that we really needed to know the details of the loan. So Scott called our mortgage guy again.
I should tell you now, that we have had a little bit of trouble with financing because we cannot use the money that my mom gives us as income, without putting her name on the deed and we did not want to do that. So even though we have more money we can only go off of what Scott and I make. This makes our debt to income ratio very high. So many places have wanted to give us higher interest rates, which Scott and I have refused to accept.
So our mortgage guy had come up with this income verification loan which was supposed to help us out because we could use our bank accounts to verify our income instead of our pay stubs. So you can imagine our reaction when the mortgage guy called us back finally and told us that the interest rate was going to be 10%. We told him that we would not do it. Well, he thought he could find us something better, so he went back to work. He called us back the next day with a loan for 6.5% interest, much better.
So after all of this I call our realtor to discuss a counter offer on this house off of 25A. We discuss the circumstances a little and then she says, "well, I have another monkey wrench to throw into the mix, I receuved a phone call from the realtor from the first house (our first choice) and the contract has fallen through." (Are you kidding me...........???)
So now we have a very hard decision to make. Do we counter the offer we have now or reject and try again for the first house? The first house has a better location, more land and more outbuildings, but the house is smaller and needs alot more work. The second house is further from our jobs and school but the land has some rolling hills on it and really only needs some cosmetic work. My mom prefers the first house and Scott is leaning towards the second house. I am torn and dont know what to do. As far as payment they will probably work out about the same.
Now do you see why I have a house headache. So for now, I am praying that God will make it apparent which house we should bid on and I pray that we all agree that it is the correct choice. If either house works out, I am never moving again, this is just too much!!
Well, Scott has been trying to get some more details on our financing. The last we heard a few weeks ago was that our mortgage guy could get us a price that we could afford, but we never received a good faith estimate and he could not give us the exact interest rate on the loan. But anyway, our mortgage guy told us to go ahead and get with a realtor and find a house that we like. So that is what we did. Now that we have an offer in on a house and have received a counter offer, we were feeling that we really needed to know the details of the loan. So Scott called our mortgage guy again.
I should tell you now, that we have had a little bit of trouble with financing because we cannot use the money that my mom gives us as income, without putting her name on the deed and we did not want to do that. So even though we have more money we can only go off of what Scott and I make. This makes our debt to income ratio very high. So many places have wanted to give us higher interest rates, which Scott and I have refused to accept.
So our mortgage guy had come up with this income verification loan which was supposed to help us out because we could use our bank accounts to verify our income instead of our pay stubs. So you can imagine our reaction when the mortgage guy called us back finally and told us that the interest rate was going to be 10%. We told him that we would not do it. Well, he thought he could find us something better, so he went back to work. He called us back the next day with a loan for 6.5% interest, much better.
So after all of this I call our realtor to discuss a counter offer on this house off of 25A. We discuss the circumstances a little and then she says, "well, I have another monkey wrench to throw into the mix, I receuved a phone call from the realtor from the first house (our first choice) and the contract has fallen through." (Are you kidding me...........???)
So now we have a very hard decision to make. Do we counter the offer we have now or reject and try again for the first house? The first house has a better location, more land and more outbuildings, but the house is smaller and needs alot more work. The second house is further from our jobs and school but the land has some rolling hills on it and really only needs some cosmetic work. My mom prefers the first house and Scott is leaning towards the second house. I am torn and dont know what to do. As far as payment they will probably work out about the same.
Now do you see why I have a house headache. So for now, I am praying that God will make it apparent which house we should bid on and I pray that we all agree that it is the correct choice. If either house works out, I am never moving again, this is just too much!!
Monday, December 11, 2006
House hunting update
Just wanted to give an update on the house hunting. We were outbid on the house that we really wanted. We were really bummed but there must be a reason it wasn't meant to be ours. So today we are going to look at three more houses. One is in Sidney and the others are in Piqua. We really like living in Piqua so we would like to stay here, but Malayna goes to school in Sidney so it would be ok to live there as well. Scotts job and our church is in Piqua so it is very important to us that we at least stay close to Piqua. If we cannot find something that meets our needs then we will continue to stay where we are until I graduate.
Christmas Fun at the Krites House
These top three pictures are pictures that we took trying to get a good picture for our Christmas card this year. We took about 20 pictures and these three are our favorites. Graysen wasn't exactly easy to work with. He had his own idea of how the picture should be. We had many a laugh. We decided to use the picture in the middle.
This is a picture of Graysen helping Grandma Sue to make pumpkin rolls for her Christmas party at work. He did a good job with the mixer.We all had the flu this last week. Graysen and I had it on Wednesday. Graysen did have the flu shot this year, so he ended up not getting it has bad as the rest of us. Malayna woke up Saturday morning with a fever and still has one this morning. She had to miss school today. I called the Doctor to bring her in and the nurse suggested we wait one more day to see if she gets better. Scott was sick all day Sunday. Hopefully this case of the yuckies will be the only one we experience this year. Hopefully you and your families will miss out on it all together.
Sunday, December 10, 2006
swearing
I was reading the readers digest at work and found a question and answer column that I really liked. It is called ASK LASKAS, perhaps you've read it. There was one specific question that caught my eye.
Q: "My husband swears in front of our boys. I don't think this sets a good example, but he says they'll hear it on the playground anyhow. Any strategies for getting him to stop?" Prudish Mom
A: "Dear Prudie, Your husband needs a timeout. Sit him down and explain: Yes, your boys will hear profanity, sexual language and violent threats on the playground. That's why parents must set standards, so kids will grow up to be good citizens rather than bathroom-humor barbarians. Set the rule for all of them: no cursing. Tell them you are doing it for the future of the civilized world!"
Scott and I decided a long time ago that we are not going to use foul language in our home. We also do not allow our kids to watch movies or shows that have foul language or sexual connotations. However on occasion we have gotten disagreements from others on our decision. We have heard things like "well you can't shelter them forever they are going to hear those things anyway." This is true, but as a parent we do need to set the standard. When Malayna comes home and says she heard something at school or anywhere else, we try to explain to her that, using those kind of words is not the way we talk in our family or in our home. We have not been perfect with this, but we have tried very hard. I doubt that it will keep our children from ever saying any bad words, but we have at least taught them that it is not the right thing to do.
Our pastor has also done a few sermons on this subject. I like the Bible verse he uses. Do not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen.Ephesians 4:29
Q: "My husband swears in front of our boys. I don't think this sets a good example, but he says they'll hear it on the playground anyhow. Any strategies for getting him to stop?" Prudish Mom
A: "Dear Prudie, Your husband needs a timeout. Sit him down and explain: Yes, your boys will hear profanity, sexual language and violent threats on the playground. That's why parents must set standards, so kids will grow up to be good citizens rather than bathroom-humor barbarians. Set the rule for all of them: no cursing. Tell them you are doing it for the future of the civilized world!"
Scott and I decided a long time ago that we are not going to use foul language in our home. We also do not allow our kids to watch movies or shows that have foul language or sexual connotations. However on occasion we have gotten disagreements from others on our decision. We have heard things like "well you can't shelter them forever they are going to hear those things anyway." This is true, but as a parent we do need to set the standard. When Malayna comes home and says she heard something at school or anywhere else, we try to explain to her that, using those kind of words is not the way we talk in our family or in our home. We have not been perfect with this, but we have tried very hard. I doubt that it will keep our children from ever saying any bad words, but we have at least taught them that it is not the right thing to do.
Our pastor has also done a few sermons on this subject. I like the Bible verse he uses. Do not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen.Ephesians 4:29
Tuesday, November 28, 2006
Happy Holidays!!
Here are the kids helping us decorate the Christmas Tree.
Update:
Scott has been very busy at work with his new position. He is now a supervisor but I cannot remember his exact title. He seems to like it, but it does keep him going.
I have just finished another quarter of nursing school. I am now more then half way through the nursing program. I will be graduating this time next year.
Malayna is really enjoying kindergarten. She has make may friends. She is already learning how to read. It is amazing how quickly they can learn new things.
Graysen is getting so big, as you can see from the picture. The time goes by so quickly. He is talking quite a bit. He also loves to play with balls and cars.
We have also just put a bid in on a house. There is a good chance that we will not get it because there are also several other bids. But Scott and I would really like to get the house, so we have been praying alot for it. The house is a fixer upper, but it is located 2 miles outside of town and is on 4.8 acres. We should know something today. If you happen to be reading this today, please say a prayer for us.I am on break from school until Jan. so I will try to post more entries and pictures. Check back for them. God Bless you all!
Friday, October 20, 2006
"Preach the Gospel at all times and when necessary use words." - St. Francis of Assisi
We had the mime team from Mount Vernon Nazarene college this past Sunday. I have seen them a number of times and each time I am completely touched by their message. The quote above is is the inspiration for their messages.
I pray each morning that I am able to do just that. Preach the Gospel at all time and when necessary use words. I am afraid at times my character flaws do not portray it, but I keep on trying.
We had the mime team from Mount Vernon Nazarene college this past Sunday. I have seen them a number of times and each time I am completely touched by their message. The quote above is is the inspiration for their messages.
I pray each morning that I am able to do just that. Preach the Gospel at all time and when necessary use words. I am afraid at times my character flaws do not portray it, but I keep on trying.
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