When my phone rings at 10:30 pm, I assume it's one of my children, who know about my nightowlish ways.
Instead, it was Mrs. P, the holder of what used to be my second mortgage. A little over two years ago, I paid off the original mortgage, the one my ex and I took out to buy this little house on the peninsula in 1976 for $29,200. Upon satisfaction of that mortgage, Mrs. P became my first mortgage holder.
She was calling because she'd received my July payment, and she was about to deposit it when she decided to consult her amortization schedule.
According to her records, which were compiled by her late husband, a CPA, I owe her a partial payment for July, and then I'm done. She's tearing up the old check, I'm issuing a new one, and after 20 years we're going our separate ways.
(According to my records, payoff should be in September, but who am I to argue with a deceased CPA???)
Although I was having some YouTube trouble on the 4th of July, I figured out today how to sweet-talk the "embed" feature, so let the fireworks begin: