Leland,

> This kind of sounds like you are the General Contractor and the 
> contractor is an adviser.  I hope everything works out for 
> you.  God Bless.

Yeah, I just wish I knew more about what I was doing. The advice I've been
getting has been mostly good but obviously I needed more. It would have been
nice if the bank had given me better reporting on disbursements, too. It
seems that everyone "assumed" I knew what I was doing because I was handling
things and didn't provide the data I needed when it would have done me some
good.

I will also be calling around looking for alternate funding in case our
mortgage bank says 'no'. Our real issue right now is to pay for the
overruns. There are no guarantees with a custom house project, and fewer
guarantees when you build near a hillside on a rocky spot with a view of the
ocean. The views add extra money to the valuation, and apparently they added
more than we expected to the construction costs. This excess just wasn't in
the budget.

Stuff like the septic system. Our budget was $7500, but the sub contractor
wants $13500. They're afraid of the rocky soil. And with Steve in the
hospital he can't clear the rocks with our tractor himself.

It is a mess.

Kristyne McDaniel




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