A senior looking to buy 1st home

I work in a specialized field that frankly does not pay much if one sticks to ethical standards, which I do.  It's very time consuming and my physical ability will eventually deteriorate to the point of not being capable of performing it any more.

I work in the clock repair/restoration field.  My entire adult life has been my paying rent and I'm now looking for a final resting place.  My health is fine but male adults die in my family around 75 and that means I have about 10 years left.

I'd like to spend most if not all of those remaining years in a house that I own and can call it my home.  I have saved a shade over $40k and need about $40k more in order to purchase a foreclosure in my area.  This will be my first house and hopefully my last.

When I started my business back in 1982, I thought that I had plenty of time and renting was exactly what I needed at that time.  But I woke up much too late and it was the recession of 2008/09 that really changed my mind because I had no money to take advantage of the housing bargains that suddenly appeared.  In fact I was in credit card debt. I'm not crying in my beer, just stating facts the way I see them.  For the record, I have not been in any type of debt since April 2012 and a greater Web presents stated to bring in more work in 2010.

I do not qualify for any type of home mortgage because of the amount of income and my only other alternative is to max out the cash advance of my credit cards but that is far too expensive and would mean working for "them" in my remaining years.  But even maxed out, it would not be enough (about $10K).

I know I'm being selfish but I have been trying to save for the last 10 years and the $40k is as far as I have achieved.  14K of that is on-line loans in mid 2019 because I though I had one house until it was inspected.  It would take another 10 years to amass the next $40K and by that time it will probably be too late or very close to it anyway.

As I'm sure most of you know, the other potential problems in renting is that even if you pay every month and on time, which I do, I'm still subject to the property owners wishes.  He/she could want a relative to take my place, he/she could want to sell, or many other possibilities.

Any and all donations will be greatly welcomed and appreciated.  If I attain my goal of $40K it will give me much piece of mind and you'll have my eternal gratitude.  Plus I'll be able to stay in South-Western Oregon, which has taken my heart.

I'd like an opportunity of earning your money and I'm willing to try and answer any clock questions you may have.  I'm an expert in the Atmos, 400-day and most electrics (but not battery driven).  I can answer other clock questions but I expect larger donations for that information because it will require much more time to research and will not be from my areas of expertise, which is still fresh in my mind and only takes the time to type.  Please no valuation questions because it is subjective and you can do your own research on eBay.com and use their "advanced search" options and look at closed or completed auctions to give you an idea of value and more importantly what people have paid for similar clocks.  I'm totally ignorant about watches of all types and clocks are my business, so no watch questions.

Lastly, I taught Atmos and 400-day clock repair for both the AWCI and the NAWCC, I mention this to show that I'm the expert I claim to be and not merely self-proclaimed.  Thank you.



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Mike Murray 
Myrtle Point, OR
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