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Building the Dream: Final Plans

February 13, 2013 By: Stephanie3 Comments

house plan1

 

We are coming to the home stretch! (And by that I mean the end of the beginning and finally being able to get started.) We received our final house plans from the builder yesterday. It would have been much sooner, but I held that up because I had a bunch of last minute changes. “Hey, can we move the laundry room over here and get a bigger pantry….” Mike, our builder, is the PERFECT contractor for me. He is amazing at taking the ideas in my head and putting them on paper and he is super patient with me about making changes.

Our plans are based on the Donald Gardner plan for the Michaelson house, but we wanted to make quite a few changes. We changed the roof line, extended the study, the bathroom on the left, and the back bedroom, changed the location and sizes of a lot of closets and a few other things. We purchased the original plans here and Mike made the changes once we owned the rights to the plans.

The bank says everything looks good and we should be ready to go with them as early as next week. Our storm water plan revision has been submitted and as long as that gets approved we can FINALLY get our building permit!!!!  (It only took a year.)

We will still be waiting on the weather for another month or so, but hopefully in 4-6 weeks (or maybe sooner, depending on the winter weather) we will be breaking ground!!

Yay!

P.S. You can click the images twice to enlarge.

house plans 1

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Living With In-Laws: 10 Things I Love

January 31, 2013 By: Stephanie4 Comments

For the past 2 months, we have been living with my in-laws while we prepare to build our new home on the land we purchased last year. Of course, there were some adjustments at first, particularly for the kids. Our son, who is adopted and has some attachment issues, really struggles with any sort of transition and he was thrown off-kilter for a while. I don’t think they are huge fans of our “just keep the clean laundry in baskets” method. My poor husband is now commuting about 2 hours each way for work. It definitely has its pitfalls, but it also has its perks and that’s what I’d like to talk about today.

Living with in-laws

10 Things I Love About Living With My In-Laws

1. Companionship. My sweet mother-in-law is disabled and home during the day. Before we were living here I would worry about her being lonely and, although I was constantly surrounded by children, it was easy for me to feel lonely too. Now we each have someone with whom we can hold an adult conversation and a partner for household chores during the day.

2. Weekends. Unfortunately, my husband now has crazy long work hours and is usually gone 14 or more hours each day. However, since he is commuting so far, his employer graciously allowed him to work longer days 4 days a week, and be “off” on Fridays. He still frequently needs to be in conference calls and approve timesheets or do other administrative type tasks on Friday, but he is HOME 3 days a week now.

3. Time to take care of myself. Since we have been here I have started seeing a chiropractor 3x a week, which I have needed to do for years but couldn’t because we couldn’t afford to hire a babysitter that many times a week in addition to the added healthcare costs. Now my back feels better, which means I’m in a better mood, able to sleep better, and exercise more. I’m more motivated to eat right and have gone down 2 pant sizes.

4. Being close to my family too. My family also lives in this area, so my parents and sister have been available when they aren’t working to help with the kids or attend special events. For example, my sister went in my place to “lunch with your child” at my son’s kindergarten class. He thought it was awesome to be surprised with a visit from Aunt Charlotte and I didn’t need to worry about taking my nursing baby out in 20-degree weather in the middle of nap time.

5. Having my son in school. I know not everyone will agree with this decision, but it doesn’t matter. We were forced to stop cyber schooling when we moved in with my in-laws because the cyber school we were using didn’t have jurisdiction in this state. We had to enroll him in the local public school so that he could continue receiving services for his special needs. He really looks forward to school every day and, if I’m being 100% honest, I am really enjoying having a bit of a breather. He has been a very high-maintenance child (14 different specialists within the past 3 years) and we are learning that it is better for our family dynamic if I can just be a mom instead of mom and teacher.

6. Reconnecting with old friends. I have a few close friends from high school and college who are now stay-at-home moms in this area. We have been able to get together much more frequently than we do when I am living over an hour away.

7. Sharing old traditions with our kids. There is something special about driving every day past the church where you got married and being able to point it out to your children, or having them use the same tiny spoons at dinnertime that your husband used as a child. “This was your daddy’s favorite blanket too,” brings a level of comfort to a hard transition that just wouldn’t be there if we were on our own and renting a temporary apartment.

8. Saving money. Duh. We have to talk about it. That’s the main reason for most inter-generational living these days. It’s a plus.

9. Making memories. I lived with my grandmother for several years, so I know first hand that the memories my children are making are priceless.

10. It’s only temporary. It’s probably keeping us all a little more sane to know that come summer we will all be living in our own houses once again. 🙂

Want to read about our home building process? Check out these posts!

How to Budget for Building Your Own Home

10 Things I’m Glad We Did While Building a New Home

 

 

 

 

 

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Five Things to Consider About Building A Custom Home

January 23, 2013 By: Stephaniecomment

 

Thinking about building a Custom Home? Read this first. Some great tips here.

I hope that by spring these Building the Dream posts will be filled with lots of fun pictures of construction!

We are so fortunate to be able to build our forever house while our children are young and they will remember growing up there.

I’m thrilled beyond belief to be able to customize our house and hand pick everything from the flooring to the cabinet colors, etc. ….eventually.

When I tell people we are in the process of building on a few empty acres of land they almost always say the same thing, “That is awesome! We hope to be able to do that one day too.” (Unless they already have, then they tend to launch into their own horror stories.)

Since it seems to be such a popular dream and we are in the middle of the process right now, I thought I’d share some of what I’ve learned so far.

1. You will need an engineer. I happened to be married to a civil engineer. THANK GOD I had the foresight to do that years ago. Seriously. If you do not have your own personal P.E. who can sign and seal your plans, then add an additional $25-30,000 to your budget for the services of the one you will need to hire. I’m not kidding. Our local government required that our plans be signed and sealed by a licensed professional engineer, so this is not the kind of thing that most homeowners can do themselves.  

2. Erosion and sediment control, sewer, and storm water are all different things. They all need their own plans and you cannot even apply for a building permit until you have all of these things and they are approved. We currently have invested over $10,000 in application fees alone for these kinds of plans, plus the sewer hook-ups, some tree removal, etc.  These fees usually come out of pocket because the bank wants to be sure you can build on the lot before they will give you a construction loan. Like I said, since my husband is a professional engineer, we didn’t have to hire one, but if you do your fees can easily be triple what ours have been.

3. Pad the budget. As you can see from the way this list is taking shape, it’s very, very expensive. No matter what you do, DO NOT go out and look at model houses in developments that are in your budget and expect a private builder to be able to give you a similar house for that amount of money. You will pay more for a custom-build because a private builder doesn’t have the ability to place huge bulk orders (Those model homes will only let you chose between 4 of 5 different types of cabinets or flooring because they already have huge bulk orders for the material.) Plus, you have to pay extra for the land, which is included in your home sale when you buy in a development.  I would recommend having at least $50,000 available to be dedicated to permits and fees on top of your budget for the actual house.

4. Pad the time estimate, too. Double the time frame you had in mind. You might want to quadrupole it.  It has been 1 year and three months since we first time we saw our land and knew it was meant for us. Although we have been working consistently the entire time and making progress every day, we still don’t even have the building permits yet. Approvals for land development plans can (and do) take months at each step. We are in the final phases of permitting. Our fingers are crossed that we can be in our new home by September of this year. That will be almost exactly 2 years since we found our land. I’m tapping my foot and impatiently waiting.

5. The finance methods have changed recently. We know several families that built homes in the 90’s when you could get an interest-free construction loan and defer payments until the new house was built and make it all contingent on the sale of your current home. There is very little chance of doing any of that right now. Even though we both have excellent credit scores and we had a very large sum of cash in the bank thanks to an early inheritance, we were told we needed to sell the house we were living in and find temporary housing with family before we could even qualify for a construction loan. They won’t give you a loan if you already have a mortgage, regardless of whether or not it looks like you can afford it. Construction loans have an interest rate that is about double the regular mortgage rate right now. I don’t really love talking about the financial aspect and this is the part that makes me squirmy. You should also know that many banks don’t even write construction loans any more because of the crash in the housing market a few years ago.

No matter what, don’t get discouraged. This is actually a great time to build because many great builders have space in their schedules and mortgage rates are unbelievably low.

I can’t wait to take you through the more fun parts as we go along!

You can see my inspiration boards if you follow me on Pinterest if you are interested.

UPDATE: Our house is finished! You can see it by clicking on my Our Home tab. If you are interested in building a custom home of your own, you might also want to check out: 

A list of things to consider when building a new home. Some great suggestions on this list!

 

 

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Building The Dream: Lucky ’13?

December 31, 2012 By: Stephaniecomment

Did you miss me? Sorry, I know I have been MIA for quite a while. We are living with my in-laws temporarily until our new home is built and the computer is in the same room where the baby sleeps, which leaves less time for blogging.

I am seeing tons of people posting their goals for the New Year on social media and I thought it would be a good time to revisit the Building The Dream series since my #1 goal for 2013 is to GET OUR HOUSE BUILT!

We’re getting there, slowly but surely.

I had NO IDEA how involved the process of developing land from scratch would be. Running utilities, developing storm water plans,  and sub-diving our large lot for the possibility of future development has been complicated and time consuming, not to mention developing the plans for the actual house.  I am sooooo thankful that I married an professional engineer who can design and stamp our plans. Otherwise, we would already have spent an additional $15,000 + just on design fees. As it stands, we are only paying the required fees for each permit as they arise, but those costs are already in the thousands. It is taking forever, I tell you, but in the end it will be worth it.

Right now we (and by “we” I mean Eddie) are putting the final touches on our sub-division plan and addressing comments that the board made about our storm water plan. Once we have approvals on both of those things we can go to the bank for our final loan approval and then FINALLY get zoning & building permits. That could potentially take until mid-February, which will be over a year after we purchased the lot.

We are hoping to break ground in early spring and be in the house by late summer so that Nicholas can start first grade in the neighborhood school in September.

It is going to look a lot like this:

house1

  source

In other related news, we had to quit homeschooling through no fault of our own. Because we are temporarily staying with family in another state, the cyber school we were using for Nicholas forced us to withdrawal because they don’t offer services in MD. I can’t go the traditional homeschooling route because then we would have to pay for all of his special services out of pocket. We had to file for a special kind of living arrangement called Shared Domicile with the housing office (basically, we are legally homeless) and we will be registering him for a local school here next week. Fingers crossed  for the little guy. I think he will enjoy it though. He is my social butterfly.

Our only other big news right now is that yesterday Miss Penelope turned one! I can’t believe how fast that year went. We had a brunch with family & friends to celebrate.

penny

What about about you? What is our biggest goal for the new year?

 

 

 

 

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Building The Dream: SOLD

November 14, 2012 By: Stephaniecomment

We have good news.

Our house is pending sale. It only took about six weeks on the market. The inspection was last week and the appraisal was this morning. We are set to go to settlement the first week of December. Exciting and nerve wracking to be moving around the holidays, I tell you.

We’re going to live with my in-laws for a few months. Because winter weather is fast approaching, we probably will not be able to break ground on our new house until the spring. Deep breaths. Eventually all the stress will pay off. This time next year we will be IN.

 

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Building the Dream: Electricity

October 19, 2012 By: Stephaniecomment

 

Baby Steps. We are in a holding pattern right now in the house building process. We need to sell the house we live in now before construction can begin.

We have a good bit of savings and inheritance that we are using in the mean time to do the not-all-that-exciting stuff like pay permit fees, and erect poles.

Recently, we had to remove a few trees so that the electric pole could be installed. Our lines will be run underground to connect to the house, but another pole needed to be added at the end of the street so that the lines could reach our property. We paid to have two large trees removed and Eddie and a friend cut down a third. The electric company wound up needing to remove another to install the pole.

We’ve planted quite a few more trees so don’t fret too much about the ones that were removed.

I love the view that will become the back yard. It’s hard to tell from the picture, but that corn is probably a good 7 or 8 feet tall. The small trees are fruit (peach, apple and pear) and will eventually grow into a small backyard orchard.  I’m looking forward to planting a large vegetable garden. Hopefully in the spring.

 

 

Now somebody please buy our current house!

 

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Building The Dream: The One Where We Lose Tons of Money (again)

August 23, 2012 By: Stephanie2 Comments

I promised I would blog every part of our home-building journey for our own records and for other people thinking of starting this process. In case you are wondering where we stand in the whole house-building situation right now…we’ve hit a pretty major roadblock. 

So…we happen to be a young family in a time when the economy is horrible. Especially the housing market.

building our dream house

Some background:
When we got married and bought our first house in 2006 everything was honky dory and we got a great deal on our first house as a married couple. We read a bunch of books and listened to the advice of several professionals. Buying real estate is a great investment, blah blah blah. That house appraised for almost $40,000 more than we paid. Plus we had a large down payment from selling the house I owned when I was single. Our mortgage was MUCH less than the appraised value of our house. We totally thought we were being smart and responsible.

CRASH! Did you hear that? That was the sound of the housing market hitting rock bottom.

We lived in Florida, one of the states that were hit the fastest and the hardest.

In two years the value of our home dropped by over $100,000.

In those two years, we had also adopted Nicholas and gotten pregnant with Abby. We were 1,000 miles away from family and the company that Eddie was working for at the time offered us an opportunity to move back home.

We knew it was going to mean losing a lot of money, but we felt like (and still feel like) it was the right decision.

Thankfully, my dad owns an asset management company and we were able to get our second mortgage for our Pennsylvania house through his company and he helped us eat most of the loss on our Florida home.

We bought our current home with the mindset that at least it was probably the bottom of the market and we could fix it up and get some equity. 

Nope. 

Since then, the market in PA has only gone down. We bought this house knowing it was not our forever home and also knowing that my dad planned to retire in a few years and liquidate his assets and that, when he did, we would either need to refinance or move because his company would no longer be available to hold our mortgage.  We figured there would be equity for a remodel or a refinance or a down payment.

That time has come, but, nope. There isn’t.

We met with a realtor recently and we are going to need to be prepared to lose tens of thousands of dollars (again). Selling and moving is still the best option because when you refinance they only want to give you 80% of the appraised value of the house, and the current appraised value is much less than what we paid. That would mean losing even more money just to stay in our current house, the house we always had the intention of selling anyway. 

Also, the banks have changed their policies about building and construction loans. Until recently, they let you borrow while you still lived in your current home, under the assumption you would sell when your house was built. They also used to let you defer your payments until construction was complete and everything converted into a regular mortgage.

Nope. They don’t do those things anymore.

We are in a good position, though, unlike so many other families our age. We are fortunate that we come from generous families and we are also fortunate that, despite some circumstances beyond our control, we have been as responsible as possible with our money.

We have excellent credit and a decent amount of savings. We have all of the necessary approvals, the only change is that now they want us to sell our current home before construction begins.

My mom had the idea to invest in the land with us so that she can build her own house on it eventually and gave us a large early inheritance, knowing that building our forever home will be an invaluable gift to her grandchildren. She wants to see them grow up surrounded by land and space to breathe and be secure in knowing we don’t have to go through this tumultuous process anymore almost as much as we do.

My dad and step-mom have offered to take whatever our loss from our current home will be and deduct it from our inheritance from them so that we don’t need to eat that money upfront.

Eddie’s parents have offered us a place to stay after this house is sold while construction happens on the new home. It will mean he will be commuting almost two hours to work every day, but it will be temporary. 

So now, even though it has been almost a year since we first found our lot…we wait.

We wait until this house sells and we lose a whole bunch of money (again), but we know that just like the last time, in the end, it will be worth it.

If we had it to do over again, we would have rented homes up until this point in our lives, but we had no way to predict what would happen. We didn’t know that we would need to be writing checks equivalent to a year’s salary or two years of college tuition just to be able to move. We certainly didn’t know we would have to do it twice.

Although it is extremely stressful to be going through this process again, it is a necessary evil. We are building the new house as a place to stay forever. A place to stay at least until the mortgage is paid in full and the only reason to sell is that the kids are grown and we want to down-size to a nice maintenance-free condo in a retirement community. A place where there will be enough space for our children to one day build their own houses on the same property if they chose so that they don’t need to go through this b.s.

Unfortunately, there is no time to sit around and wait for the market to pick back up, and, as we have learned the hard way already, there is no guarantee that it will. My dad is preparing for his retirement now and our children are growing and starting school.

So here we go again.

Bleck.

Update: I wrote a ton of posts on the entire process of building our dream home. Here’s everything I wrote in my “Building the Dream” series.

I cover how to budget, floor plans, the kitchen, choices I’m glad we made, things I wish we would have done and so much more! If you are currently building or hope to build in the future, you’ll definitely want to start at the beginning of my series and read through!

Ten MORE things that these homeowners are glad they did while building a new home. Great suggestions for anyone interested in building their own dream home eventually!

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Building the Dream: Kitchen Advice

July 13, 2012 By: Stephanie1 Comment

Ladies, I need advice.

Practical advice, please. I don’t really care about a wine ‘frig, but I might consider a pot filler if those of you who have those are actually using them.

Planning Our Dream Kitchen

We need to get this kitchen design hashed out so we can get a better idea about our plumbing and electrical and our overall budget because kitchens are ‘spensive, y’all.

This is what I am thinking. Yes, I like to draw in Microsoft Paint like a 5th grader. Sketch-Up, smetch up.

 
 
 
 
 
I got most of my inspiration from this kitchen from my favorite architect, Stephen Alexander.
 
 

Things I know I want:

  • Deep farmhouse sink
  • 5 or 6 burner gas stove
  • Decorative range hood. 
  • Built-in microwave not over the stove. (I a pet peeve about having the microwave over the stove. I steam veggies and stuff in the microwave while I’m also cooking on the stovetop. I don’t need to be standing in front of a running microwave all the time. That’s supposed to be really bad for you. but I want to save the counter space, so I like the idea of having it built-in.)
  • A big, huge island with a breakfast bar that will seat at least 3. 
  • The dishwasher located to the right of the sink. I’ve had them on both sides, and to the right is so much easier when you are right-handed. 
  • Several deep drawers in lieu of bottom cabinets (my aunt Chott’s kitchen is like this and it makes  a big difference)
  • Some open shelving because I collect a lot of decorative stoneware
  • I like having an appliance garage in the corner, but Eddie hates them. (party pooper)

So now here is where I need your advice:

Do I really want a double oven? Of course, I want one, but if you have it, how often do you use the second oven, for real? Is it really worth thousands of extra dollars?

Do you have a pot filler? Do you use it? I think I want one and it would be pretty easy to install because there will already be plumbing for the laundry area on the other side of the stove.

Do you think I’m going to regret two-tone cabinets? (different kinds for main kitchen & island) I kind of love it at the moment, but I’m still worried it’s too trendy. 

How well does butcher block hold up? I’d love to do the whole kitchen in quartz or Corrianne (not a big fan of the idea of granite or marble because if I pay that much, I don’t want to also have the extra work to maintain it and I don’t like the idea of bacteria getting into the porous surfaces. Plus marble stains.) but I’m not sure that’s in the budget.

Do you have your trash can built into a cabinet? I like the idea of having it out of sight, but I don’t like the idea of giving up my cabinet space. 

Any other advice or tips that you think might help us out in the future?

For example, my Uncle Sonny told us to make sure if you install recessed lights, put them above the countertop. If they are behind you, you will constantly be working in your own shadow.

UPDATE:
Less than a week after I posted this plan, Stephen Alexander posted this on their Facebook page: the EXACT kitchen that was in my head! How cool is that? 

***Check out our completed IKEA kitchen and how it held up after two years! We also DIYed our range hood and installed a brick backsplash since we moved in. Plus, here’s my chemical-free method for keeping my white farmhouse sink clean.

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Building The Dream: Patience & A Final Floor Plan

July 6, 2012 By: Stephaniecomment

There is progress happening…slowly.

First, we finalized our floor plan. We are buying plans from architect Donald Gardner, but we are making quite a few changes. The biggest change will be the roofline. The ceiling in the living room will be vaulted horizontally instead of vertically and the master bedroom does not have a vaulted ceiling. Changing the roof will save thousands of dollars in the cost of trusses.

Finalizing the Floor Plans

The above floor plan is the closest we have to our updated version. We are still removing a few windows to save money and there will be a bigger closet in the study.

Also, we’ve decided to go with one huge, flat island in the kitchen instead of an angled breakfast bar.

We are still waiting on the bank to get back to us about the final approval, but a lot of people seem to be on vacation this week. This is our biggest headache at the moment. Banks don’t love construction loans so much anymore with the current state of the housing market and economy. 

Meanwhile, Eddie has made arrangements for a tree removal service to come to take down the trees that need to go so that the new pole can be installed for the electricity. Our wires will be trenched underground, but they need to put another pole on the street so that our wires have somewhere to tie in.

He is also working on the last thing (I think) that needs to be approved before we can get the building permit, the stormwater plan. Until we started building, I thought all of this was just included in the sewer plan, but I have learned that you need separate plans for sewer, erosion and sediment, and storm or rainwater. Lucky for me I married a civil engineer who does this for a living.

Anyway, are you seeing that master closet? I think that might be my favorite part of the whole house. That and having more bathrooms.

Fingers crossed that we will be able to break ground by the end of August.

 

 

 

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Building The Dream: We’re Under Contract!

June 14, 2012 By: Stephaniecomment

Last night we met with our builder for three and a half hours going over details and negotiating our final price.

There have been a few issues that came up with utilities. Mainly the gas company wanted to charge us $25,000 to extend their gas main so we said umm..no thanks and decided to go with propane. That changed the initial estimate, so we had to do some finagling to get back down to a price range we could afford.

Cutting Costs on a New Home Build

We reduced the size of the basement, cut out a few unnecessary windows (I don’t need two full-size windows above the tub or in the toilet closet), and decided to go with vinyl flooring instead of tile.

We kept as many things as possible that we knew would be too hard to change later, like a rough-in for a basement bathroom, the fireplace, etc.

We’re very nervous about stretching ourselves too far (That’s how the economy got in this mess in the first place, remember?) but even though the mortgage will be significantly more than our current mortgage, it is still within our means, so we are going for it as long as the bank makes the final approval. Hopefully, we will have that news very soon.

In the meantime, we are working with the electric company to get new poles and service and Eddie is applying for 18 gazillion different permits. We actually needed a separate permit from the state because they own the back of the sidewalk that touches our driveway. True story.

Also, I got the final dimensions for our master closet. It’s 10 x 14, which is bigger than the girls’ current bedroom. I’m sooooo excited to finally have all of our clothes in one place and not have half of them in storage under beds or in the basement. I’m not budging on the kitchen, master bathroom, or closet. Everywhere else we will be cutting the budget wherever we can, trying to shop smart or recycle or reuse materials to try to stay under our allowances.

Hopefully, these posts will include construction pictures very soon!

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Welcome! I’m Steph.

This is a little corner of the internet we like to fill with honesty, heart, and humor. Read More…

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Binkies and Briefcases with Stephanie Giese

Binkies and Briefcases with Stephanie Giese

Stephanie Giese is an indie author based in Florida. She writes stories about realistic problems with humor, heart, and sass. Her work has a strong focus on mental health and consent. Her North Bay small-town romance series is set for release in 2025.

Binkies and Briefcases with Stephanie Giese

5 months ago

Binkies and Briefcases with Stephanie Giese
This one's on me, Bookworms! Grab your FREE book ... See MoreSee Less

Hello My Radiant RomCom Readers,

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I have fun news! For a limited time, as a special gift from me to you, the eBook version of Out of Left Field is totally FREE this week to download from Amazon. That's right, you don't even have to be...
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Binkies and Briefcases with Stephanie Giese

5 months ago

Binkies and Briefcases with Stephanie Giese
Hello My Brilliant Bookworms ... See MoreSee Less

Hello My Brilliant Bookworms,

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I'm checking in from the pits of work-still-in-progress despair. (Book 3 is actually going pretty well, but I'm feeling dramatic today.) Way Off Base, Book 3 in my North Bay series, is set to go to th...
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