Day off
Being focused on the important stuff means that certain items remain unaddressed week after week. Sometimes, you need to break this cycle and get them off your plate. That sometimes was yesterday.
Even though I took Friday off, I was up early because I had so many things to do. I had an electrician coming in at 8 to fix my neon light fixture in the kitchen. Turns out two of the contacts were broken. Now I can see what I'm cooking again!
I then went for a short run along the seawall since it was sunny outside, and spent the rest of the morning cleaning up and sorting paperwork.
In the afternoon, I had an appointment at the bank to renew my mortgage. Mortgage rates went up 0.2% yesterday, but I had spoken to the personal banking specialist the day before and he agreed to give me a special on the five-year fixed rate mortgage. Instead of 6.84% which is the posted rate, or even 5.78% which is the bank's current special, I am getting 5.25%. It's not the 4.1% rate I negotiated the first time around, but it's fairly good given current rates. I was working with a very young banker who was apparently eager to make sure I was going to keep all my financial services with his bank. He changed my personal line of credit to a homeowner line of credit (2% less interest) and got rid of the banking fees on my checking account as long as I have my mortgage with them. He also ordered cheques on my behalf ('cause the format is changing and I still had the old ones) for free.
I call this one hour well spent!
I made myself a nice dinner (a hearty stew, appropriate now that the weather was cooling down and it was starting to rain) and watched Volver with Penélope Cruz. I enjoyed Volver, the movie is warm and includes many charming characters. Reminded me that Spain was still on my list of places to visit one day.
Even though I took Friday off, I was up early because I had so many things to do. I had an electrician coming in at 8 to fix my neon light fixture in the kitchen. Turns out two of the contacts were broken. Now I can see what I'm cooking again!
I then went for a short run along the seawall since it was sunny outside, and spent the rest of the morning cleaning up and sorting paperwork.
In the afternoon, I had an appointment at the bank to renew my mortgage. Mortgage rates went up 0.2% yesterday, but I had spoken to the personal banking specialist the day before and he agreed to give me a special on the five-year fixed rate mortgage. Instead of 6.84% which is the posted rate, or even 5.78% which is the bank's current special, I am getting 5.25%. It's not the 4.1% rate I negotiated the first time around, but it's fairly good given current rates. I was working with a very young banker who was apparently eager to make sure I was going to keep all my financial services with his bank. He changed my personal line of credit to a homeowner line of credit (2% less interest) and got rid of the banking fees on my checking account as long as I have my mortgage with them. He also ordered cheques on my behalf ('cause the format is changing and I still had the old ones) for free.
I call this one hour well spent!
I made myself a nice dinner (a hearty stew, appropriate now that the weather was cooling down and it was starting to rain) and watched Volver with Penélope Cruz. I enjoyed Volver, the movie is warm and includes many charming characters. Reminded me that Spain was still on my list of places to visit one day.
Labels: movies, personal finances
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