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Self-Gloss: I'm A Homeowner!  
User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Posted (1 year 10 months 4 weeks 1 day 10 hours ago) and read 2809 times:

Actually, I officially became a homeowner a bit over a week ago, but we moved in yesterday. Well, sorta. The house is still a mess of boxes and packing materials. It's all so exhausting, both mentally and physically.

The aggravation of the last two days has been curtains. Like most houses that are bought (not rented) there are no curtains, no blinds, nothing. So every single window was an enormous movie of my husband and me moving into this beautiful house in a so-so neighborhood. Not to mention that the toilet in the downstairs bathroom is installed directly in front of a window that gives my next-door neighbor a very clear view of whomever might be taking a leak facing right at her. (I mean, you want to get to know your new neighbor, but not that way!)

So last night, I went off to Bed, Bath, & Be Broke and bought the hardware and curtains for every room in the house. Well, at least I got the hardware right. And I got the curtains right for the front and main side windows (those most visible from the street). But every other room (except the bathrooms and kitchen), I managed to screw up the curtain sizes. So today I went to go back to B,B,&B and they were closed at 7P because it's Sunday. I'll be going tomorrow and finally hanging the curtains so that we can stop putting on a show for the neighbors.

So today I spent the majority of the day on a stepladder with a power drill and a screwdriver and muttering a lot of colorful language in both Spanish and English. Now, remember, I'm a gay Jewish doctor. Power drills are not my forte (cue lewd comments from SFly and friends   ). But I have to say I did a good job at mounting the hardware (wow, I'm on a roll!).

The next frustration will be the kitchen, which doesn't have nearly enough counter or storage space. So I'll be buying an Island for it. Eventually, a kitchen remodel is in the offing, but that's a few years and a few tens of thousands of dollars away.

The next handyman skill I need to learn is how to change a ceiling-mounted light fixture without dying in the process. That will be interesting...

[Edited 2012-11-25 22:35:23]

57 replies: All unread, showing first 25:
 
User currently offlinemad99 From Spain, joined Mar 2012, 594 posts, RR: 0
Reply 1, posted (1 year 10 months 4 weeks 1 day 10 hours ago) and read 2793 times:

Well congratulations!

Quoting DocLightning (Thread starter):
The next handyman skil

I hate doing diy stuff around the house so i pay someone to do it or you get used to looking at light bulbs hanging by wires.

A good day is the one when you make the last payment and you own it free and clear.


User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 2, posted (1 year 10 months 4 weeks 1 day 10 hours ago) and read 2791 times:

Quoting mad99 (Reply 1):

A good day is the one when you make the last payment and you own it free and clear.

Yeah. Only three decades to go!  

I'm shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.


User currently offlinemad99 From Spain, joined Mar 2012, 594 posts, RR: 0
Reply 3, posted (1 year 10 months 4 weeks 1 day 9 hours ago) and read 2777 times:

Quoting DocLightning (Reply 2):
to cut 8-10 years off the loan.

That's what we did. We took advantage of any government incentives to pay the loan off asap. Some people would say you're better off having debt for different reasons, like write-off's etc but we just paid it off.

Also, if you look at the graphs showing years/monthly payment you'll see that by making a little effort you can take years off the mortgage, just like what you plan to do!


User currently offlineKiwiRob From New Zealand, joined Jun 2005, 7555 posts, RR: 4
Reply 4, posted (1 year 10 months 4 weeks 1 day 9 hours ago) and read 2762 times:

Quoting DocLightning (Thread starter):
The next handyman skill I need to learn is how to change a ceiling-mounted light fixture without dying in the process. That will be interesting...

As you said you're

Quoting DocLightning (Thread starter):
a gay Jewish doctor

Which means no kids and a healthy bank balance, pay someone to do it for you!


User currently offlinenighthawk From UK - Scotland, joined Sep 2001, 5162 posts, RR: 33
Reply 5, posted (1 year 10 months 4 weeks 1 day 8 hours ago) and read 2742 times:

Quoting DocLightning (Reply 2):
I'm shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.

Ask your bank if you can make weekly payments instead of monthly. The interest on the loan is calculated daily, so simply paying weekly instead of monthly can shave a good few years off the mortgage, while still paying the same amount each month.



That'll teach you
User currently offlineraffik From United Kingdom, joined Feb 2006, 1716 posts, RR: 4
Reply 6, posted (1 year 10 months 4 weeks 1 day 6 hours ago) and read 2698 times:

Welcome to the world of home ownership!

I love it, apart from my mortgage payments ofcourse   My mortgage has 7 years left so I should be mortgage free by 36 if I continue with the current repayment.

You'll have to upload some pics



Happy -go- lucky kinda guy!
User currently offlinefalstaff From United States of America, joined Jun 2006, 6123 posts, RR: 29
Reply 7, posted (1 year 10 months 4 weeks 1 day 4 hours ago) and read 2651 times:
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Quoting KiwiRob (Reply 4):
Which means no kids and a healthy bank balance, pay someone to do it for you!

Doc is a smart guy, he can easily handle it. I've installed fans and light fixtures in my house without any trouble. The most dangerous part is standing in the ladder. Be sure you have the breaker shut off/fuse pulled before you start working.

Quoting raffik (Reply 6):
You'll have to upload some pics

Yes, I would like to see this place.



My mug slaketh over on Falstaff N503
User currently offlineSuper80DFW From United States of America, joined Oct 2007, 1696 posts, RR: 11
Reply 8, posted (1 year 10 months 4 weeks 1 day 3 hours ago) and read 2643 times:

Congratulations! When are we gonna see pictures of it??! 

I love Bed Bath & Be Broke as well. I went there two weeks ago to look for new sheets and a duvet, and of course I walk out broke!



"Things change, friends leave, life doesn't stop for anybody." -- EAT'EM UP EAT'EM UP KSU!!
User currently offlinedl021 From United States of America, joined May 2004, 11447 posts, RR: 75
Reply 9, posted (1 year 10 months 4 weeks 1 day 3 hours ago) and read 2627 times:

Congratulations! Remember to make sure your extra pay,nets are marked "for principal only" so they don't count them as early regular payments.


Is my Pan Am ticket to the moon still good?
User currently offlineSuperfly From Thailand, joined May 2000, 39905 posts, RR: 75
Reply 10, posted (1 year 10 months 4 weeks 1 day 2 hours ago) and read 2615 times:

Congrats Doc!
  

Quoting DocLightning (Thread starter):
in a so-so neighborhood.

West Oakland is where the Black Panthers started over 40 years ago. I expect you to invite Bobby Seale and Angela Davis for the housewarming party.  
Quoting DocLightning (Thread starter):
I'm a gay Jewish doctor. Power drills are not my forte (cue lewd comments from SFly and friends   ). But I have to say I did a good job at mounting the hardware (wow, I'm on a roll!).

Get your head out of the gutter and start drilling!



Bring back the Concorde
User currently offlineCharles79 From Puerto Rico, joined Mar 2007, 1331 posts, RR: 6
Reply 11, posted (1 year 10 months 4 weeks 1 day 2 hours ago) and read 2591 times:

Quoting DocLightning (Thread starter):
I officially became a homeowner

Congratulations!

Quoting DocLightning (Thread starter):
Well, sorta. The house is still a mess of boxes and packing materials. It's all so exhausting, both mentally and physically.

Sounds exactly like a move...it'll take at least six more months to dispose of all the boxes. Do make a commitment to yourself to not have ANY boxes left to deal with 12 months from your move in date.

Quoting DocLightning (Thread starter):
The next frustration will be the kitchen, which doesn't have nearly enough counter or storage space.

Try buying a small (TINY) rowhouse in Washington DC like we did...forget storage in the kitchen, we have ZERO storage anywhere! IKEA is your friend when you live in a small place as they have plenty of ideas on how to maximize your space. We successfully hosted the parents and a sibling (making us 5 people in total) over Thanksgiving in a house with less than 800 sq ft of space. It's certainly doable, you just have to be creative.

Enjoy your new home!


User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 12, posted (1 year 10 months 4 weeks 1 day 1 hour ago) and read 2548 times:

Quoting KiwiRob (Reply 4):
Which means no kids

...yet.

Quoting KiwiRob (Reply 4):
and a healthy bank balance

I just dropped my entire bank balance into the downpayment. So not so much.

Quoting Charles79 (Reply 11):
Try buying a small (TINY) rowhouse in Washington DC like we did...forget storage in the kitchen, we have ZERO storage anywhere! IKEA is your friend when you live in a small place as they have plenty of ideas on how to maximize your space.

IKEA's ideas look great in a tiny showspace designed to fit their wares. In the real world, not so much. I'll be using one of their islands, though.

Quoting Charles79 (Reply 11):
Sounds exactly like a move...it'll take at least six more months to dispose of all the boxes. Do make a commitment to yourself to not have ANY boxes left to deal with 12 months from your move in date.

7 days is my cutoff.


User currently offlineKiwiRob From New Zealand, joined Jun 2005, 7555 posts, RR: 4
Reply 13, posted (1 year 10 months 4 weeks 1 day ago) and read 2539 times:

Quoting DocLightning (Reply 12):
I just dropped my entire bank balance into the downpayment. So not so much.

You get paid next month, and unless your significant other is a house hubby I'm sure he must have some dosh.


User currently offlinenickh From United States of America, joined Jun 2008, 211 posts, RR: 0
Reply 14, posted (1 year 10 months 4 weeks 1 day ago) and read 2536 times:
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Congratulations, Doc! Welcome to the wonderful world of leaky faucets, roofing jobs, mowing the lawn, ...errr I'm just kidding, home ownership is a good thing.

Do get to know your neighbors, they can be your best allies when it comes to security, advice on contractors, etc.
Angie's List can (sometimes) also be a good resource.

Also, do consider joining your local civic or neighborhood organization, if you have one, the members are all your neighbors and can be an invaluable resource in reporting crime, finding missing pets, neighborhood watch, etc.

Best of luck, and try not to electrocute yourself on that kitchen lighting fixture... (smile).

-Nick



"We all have wings, but some of us don't know why..."
User currently offlineMadameConcorde From San Marino, joined Feb 2007, 10905 posts, RR: 37
Reply 15, posted (1 year 10 months 4 weeks 1 day ago) and read 2527 times:

Congratulations on your new house Doc'  

I would say... take your time doing things and refits. It's your home now. There's no need to rush.

In a year or two you will have a beautiful home - exactly to your taste.

  



There was a better way to fly it was called Concorde
User currently offlineplanejamie From United Kingdom, joined Sep 2011, 576 posts, RR: 1
Reply 16, posted (1 year 10 months 4 weeks 1 day ago) and read 2521 times:

Congratulations! I wish you and your hubby all the best in your new home  

I couldn't resist quoting this:

Quoting DocLightning (Thread starter):
But I have to say I did a good job at mounting the hardware (wow, I'm on a roll!).

and adding: "wouldn't be the first time you've mounted some hardware"   (forgive my 18 year old immature mind... I should know better by now)

Still, best of luck!


User currently offlinePHX787 From Japan, joined Mar 2012, 7752 posts, RR: 18
Reply 17, posted (1 year 10 months 4 weeks 1 day ago) and read 2521 times:

Like i said to you earlier man, when I am in SFO you better let me visit  

But of course, I will be bringing some asian ladies back for some visiting  



我思うゆえに我あり。(Jap. 'I think, therefore I am.')
User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 18, posted (1 year 10 months 4 weeks 1 day ago) and read 2518 times:

Quoting planejamie (Reply 16):
and adding: "wouldn't be the first time you've mounted some hardware"   (forgive my 18 year old immature mind... I should know better by now)

I'm almost twice your age *gulp* and I don't know any better!  
Quoting PHX787 (Reply 17):
Like i said to you earlier man, when I am in SFO you better let me visit  

But of course, I will be bringing some asian ladies back for some visiting

There will be a hot tub going on the back porch soon. Just sayin'.

Also, the guest room is downstairs and has its own bathroom. The master bedroom is upstairs.

Just sayin'.

Quoting Superfly (Reply 10):
Get your head out of the gutter

Unable.  


User currently offlinecasinterest From United States of America, joined Feb 2005, 4669 posts, RR: 2
Reply 19, posted (1 year 10 months 4 weeks 1 day ago) and read 2505 times:

Quoting DocLightning (Reply 2):

I'm shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.

I don't know Doc. I know a lot of folks believe getting that payment off your back is a good thing. However take the following into consideration.

1. You are putting money into a non-liquid asset. It is very hard to get that money back out, unless selling or refinancing.
2. With interest rates as low as they are, and in consideration of the above, it may be better to put payment 13 and 14 into a mixed bond/CD portfolio to use as maintenance and rainy day funds.


And welcome to the joys of home ownership. May the leaves fall on the other person's lawn and the water roll away from the house when it rains. : )

[Edited 2012-11-26 09:22:33]


Older than I just was ,and younger than I will soo be.
User currently onlineTSS From United States of America, joined Dec 2006, 3068 posts, RR: 5
Reply 20, posted (1 year 10 months 4 weeks 23 hours ago) and read 2464 times:

Congratulations on your new home, Doc!

Quoting casinterest (Reply 19):
Quoting DocLightning (Reply 2):

I'm shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.

I don't know Doc. I know a lot of folks believe getting that payment off your back is a good thing. However take the following into consideration.

1. You are putting money into a non-liquid asset. It is very hard to get that money back out, unless selling or refinancing.
2. With interest rates as low as they are, and in consideration of the above, it may be better to put payment 13 and 14 into a mixed bond/CD portfolio to use as maintenance and rainy day funds.

Wise words, those. It's definitely not a bad idea to set up and maintain a savings account just for the unexpected problems that seem to crop up at the most inopportune times.

Quoting casinterest (Reply 19):
And welcome to the joys of home ownership. May the leaves fall on the other person's lawn and the water roll away from the house when it rains. : )

As for leaves, here's a labor-saving trick for fall- Flower beds. Fill them with low-maintenance perennials and rake the leaves into them for mulch. No more leaf bagging and nice flowers to enjoy in the spring!



Able to kill active threads stone dead with a single post!
User currently offlineKiwiRob From New Zealand, joined Jun 2005, 7555 posts, RR: 4
Reply 21, posted (1 year 10 months 4 weeks 22 hours ago) and read 2450 times:

Quoting DocLightning (Reply 12):
...yet.

I got 3 of em, you can kiss goodbye to payments 13 & 14 once these expensive little guys arrive.


User currently offlinevikkyvik From United States of America, joined Jul 2003, 10096 posts, RR: 26
Reply 22, posted (1 year 10 months 4 weeks 22 hours ago) and read 2447 times:
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Quoting DocLightning (Thread starter):
Power drills are not my forte (cue lewd comments from SFly and friends )

Ah, so you're more of an old-fasioned-screw-using-sheer-muscle-power type, eh?

Quoting DocLightning (Thread starter):
But I have to say I did a good job at mounting the hardware

Practice makes perfect, right?

Quoting DocLightning (Thread starter):
It's all so exhausting, both mentally and physically.

Well stop screwing and start unpacking, then (though I guess UNpacking is the opposite of what you're used to)!

Quoting DocLightning (Thread starter):
But every other room (except the bathrooms and kitchen), I managed to screw up the curtain sizes.

Ahhh, the old rug-doesn't-match-the-curtains issue. Oh wait, wrong thread.

Quoting DocLightning (Thread starter):
(I mean, you want to get to know your new neighbor, but not that way!)

Sounds like your new neighbor will be getting to know YOU!

Quoting DocLightning (Thread starter):
The next handyman skill I need to learn

I actually don't have anything for that one, but I still laughed.

Quoting DocLightning (Thread starter):
So I'll be buying an Island for it.

All the better for.....cooking......and storage.....yeah. That.

OK, I'm done.



"Two and a Half Men" was filmed in front of a live ostrich.
User currently offlinefr8mech From United States of America, joined Sep 2005, 5489 posts, RR: 14
Reply 23, posted (1 year 10 months 4 weeks 21 hours ago) and read 2426 times:

Congratulations. Welcome to the world of home ownership. Where, there is always something to do.

We just moved into or 4th, yes 4th house in 14 years and they will have to drag me out of this one on a friggin' gurney.

Quoting DocLightning (Thread starter):
The next frustration will be the kitchen, which doesn't have nearly enough counter or storage space. So I'll be buying an Island for it. Eventually, a kitchen remodel is in the offing, but that's a few years and a few tens of thousands of dollars away.

My wife absolutely loved the design of the kitchen, but after a couple of weeks in has decided that the kitchen cabinets, counters and major appliances have to go. To be fair, I agree, but I saw it before we bought the house, but the wife poo-poo'd my observations. No big deal, I stood firm on our offer, factoring in a new kitchen.


Quoting DocLightning (Reply 2):
m shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.

Doc, I don't know your financial situation, but you may want to hold off and shoot for a 15 year loan in a year or so. Given the economy, my guess is that the rates stay in the high 2's for a 15 and a bit lower for a 12 or 10. My plan is to refinance in a year or so after we grow the savings account.

Anything break yet?



When seconds count...the police are minutes away.
User currently offlinedtw9 From United States of America, joined Sep 2003, 1164 posts, RR: 2
Reply 24, posted (1 year 10 months 4 weeks 17 hours ago) and read 2364 times:

Quoting DocLightning (Reply 2):
I'm shooting for between 13 and 14 payments a year to cut 8-10 years off the loan. The monthly payments are approximately 20% of my take-home salary, so I can afford a few extras.

Just call EMPP(early mortgage payoff plan) and set up an account to withdraw half your payment every two weeks from your checking or savings account. Pays off a 30 year mortgage in 22 years. Best part is it's free.

http://www.empp.com/EMPP/Corp/Home.aspx

[Edited 2012-11-26 15:29:36]

User currently offlinefalstaff From United States of America, joined Jun 2006, 6123 posts, RR: 29
Reply 25, posted (1 year 10 months 4 weeks 16 hours ago) and read 2363 times:
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Quoting Superfly (Reply 10):
I expect you to invite Bobby Seale and Angela Davis for the housewarming party.

I met Bobby Seale, in 1995, and he was a great guy. He was one of the best (and funniest) public speakers I ever heard.

Quoting nickh (Reply 14):
mowing the lawn

I love mowing the lawn. If you need advice on a mower, I'm your man.



My mug slaketh over on Falstaff N503
User currently offlineDeltaMD90 From United States of America, joined Apr 2008, 7931 posts, RR: 52
Reply 26, posted (1 year 10 months 4 weeks 16 hours ago) and read 2359 times:

Congrats! I'll have to see it when I visit SFO (one of these years...........)


Ironically I have never flown a Delta MD-90 :)
User currently offlinePHX787 From Japan, joined Mar 2012, 7752 posts, RR: 18
Reply 27, posted (1 year 10 months 4 weeks 14 hours ago) and read 2360 times:

Quoting DocLightning (Reply 18):
There will be a hot tub going on the back porch soon. Just sayin'.

Clothing Optional?



我思うゆえに我あり。(Jap. 'I think, therefore I am.')
User currently offlineflymia From United States of America, joined Jun 2001, 7212 posts, RR: 9
Reply 28, posted (1 year 10 months 4 weeks 12 hours ago) and read 2324 times:

Congrats! That is a big step in life.

Quoting DocLightning (Reply 18):
There will be a hot tub going on the back porch soon.

Also glad to see the priorities are straight. One day when I am a homeowner this will also be the case.



"It was just four of us on the flight deck, trying to do our job" (Captain Al Haynes)
User currently onlineTSS From United States of America, joined Dec 2006, 3068 posts, RR: 5
Reply 29, posted (1 year 10 months 4 weeks 12 hours ago) and read 2324 times:

Quoting falstaff (Reply 25):
I love mowing the lawn. If you need advice on a mower, I'm your man.

And if you don't enjoy mowing the lawn, another benefit of low-maintenance flower beds is that every square foot of flower bed is a square foot of yard that never needs mowing.  



Able to kill active threads stone dead with a single post!
User currently offlineDeltaMD90 From United States of America, joined Apr 2008, 7931 posts, RR: 52
Reply 30, posted (1 year 10 months 4 weeks 12 hours ago) and read 2330 times:

Quoting TSS (Reply 29):
Quoting falstaff (Reply 25):
I love mowing the lawn. If you need advice on a mower, I'm your man.

And if you don't enjoy mowing the lawn, another benefit of low-maintenance flower beds is that every square foot of flower bed is a square foot of yard that never needs mowing.  

And if you want a random dude to sit in your hot tub while watching other a.netters fix up your yard, I'm your man! Though, this question begs answering:

Quoting PHX787 (Reply 27):
Clothing Optional?

 

(I'm straight, I swear!  Silly )

[Edited 2012-11-26 21:01:05]


Ironically I have never flown a Delta MD-90 :)
User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 31, posted (1 year 10 months 4 weeks 11 hours ago) and read 2333 times:

Quoting DeltaMD90 (Reply 30):
And if you want a random dude to sit in your hot tub while watching other a.netters fix up your yard, I'm your man! Though, this question begs answering:

For you, clothing is not optional; it is prohibited.  

As for mowing the lawn, I bought a robo-mower (hasn't arrived yet). I have a robo-vacuum, so I figure a robo-mower will do nicely. The lawn isn't very big, anyway.

Quoting DeltaMD90 (Reply 30):
(I'm straight, I swear!   )

We'll see after three or four beers.  
Quoting dtw9 (Reply 24):
Just call EMPP(early mortgage payoff plan) and set up an account to withdraw half your payment every two weeks from your checking or savings account. Pays off a 30 year mortgage in 22 years. Best part is it's free.

Now that is an interesting idea. I'll look into it.


User currently offlineKiwiRob From New Zealand, joined Jun 2005, 7555 posts, RR: 4
Reply 32, posted (1 year 10 months 4 weeks 9 hours ago) and read 2292 times:

Quoting DocLightning (Reply 31):
As for mowing the lawn, I bought a robo-mower (hasn't arrived yet). I have a robo-vacuum, so I figure a robo-mower will do nicely. The lawn isn't very big, anyway.

Well that was your first waste of money, my dad and a friend bought them, they really don't work well, they don't cut close, they don't work well on a heavy lawn, they miss patches, if you've only got a small lawn buy a hand mower or a small 19 inch petrol mower.


User currently offlinePHX787 From Japan, joined Mar 2012, 7752 posts, RR: 18
Reply 33, posted (1 year 10 months 4 weeks 9 hours ago) and read 2284 times:

Quoting DocLightning (Reply 31):
Quoting DeltaMD90 (Reply 30):
And if you want a random dude to sit in your hot tub while watching other a.netters fix up your yard, I'm your man! Though, this question begs answering:

For you, clothing is not optional; it is prohibited.
Quoting DocLightning (Reply 31):
We'll see after three or four beers.
Quoting DeltaMD90 (Reply 30):
(I'm straight, I swear! Silly )

There's a reason why I don't drink with my gay friends  

(except if there's Asian women involved   )



我思うゆえに我あり。(Jap. 'I think, therefore I am.')
User currently offlineSuperfly From Thailand, joined May 2000, 39905 posts, RR: 75
Reply 34, posted (1 year 10 months 4 weeks 8 hours ago) and read 2277 times:

Quoting falstaff (Reply 25):
I met Bobby Seale, in 1995, and he was a great guy. He was one of the best (and funniest) public speakers I ever heard.

That is awesome! Just imagine if me, you, DocLightning and Bobby Seale met up for drinks. I can just imagine some of the topics that would come up. 


DocLightning, you should consider this for your gardening needs.

http://www.youtube.com/watch?v=mrTubyoHsvc



Bring back the Concorde
User currently offlinetype-rated From , joined Dec 1969, posts, RR:
Reply 35, posted (1 year 10 months 4 weeks 7 hours ago) and read 2250 times:

Drapes/blinds need hanging? Light fixtures need changing?

Easy, just call a couple of lesbians and they'll have it all knocked out it no time!

I had a friend who was home repair challenged and this is what he did. A few beers and a Saturday afternoon and they had it all done for him, and they did it right too!


User currently offlinefr8mech From United States of America, joined Sep 2005, 5489 posts, RR: 14
Reply 36, posted (1 year 10 months 4 weeks ago) and read 2192 times:

Quoting dtw9 (Reply 24):
Just call EMPP(early mortgage payoff plan) and set up an account to withdraw half your payment every two weeks from your checking or savings account. Pays off a 30 year mortgage in 22 years. Best part is it's free.

Careful, some lenders charge a set-up and/or 'maintenance fee' to get this going. They're not going to give up their 'vig' that easily.



When seconds count...the police are minutes away.
User currently onlineKen777 From United States of America, joined Mar 2004, 8320 posts, RR: 9
Reply 37, posted (1 year 10 months 3 weeks 6 days 18 hours ago) and read 2128 times:

Congrats!

It's a great feeling to move into your first home - I hope it goes well for you & yours there for many years.

When looking at paying extra on the mortgage use your amortization schedule that came with the mortgage. This shows you how much goes to principle each monty. The amount in the first months are obviously less than in the later years. This means you can add up the next 2 or 3 months principle to get an extra amount to pay. Pick the 3 months and you just cut your mortgage 3 months. (Obviously) There used to be a spreadsheet in MS Works (years ago - probably in Win 95) that showed the monthly amounts and let you put in additional payments. Then it displayed the new payoff date as well as how much you saved by making that extra payment.

Quoting DocLightning (Thread starter):
The next frustration will be the kitchen, which doesn't have nearly enough counter or storage space. So I'll be buying an Island for it. Eventually, a kitchen remodel is in the offing, but that's a few years and a few tens of thousands of dollars away.

I helped my son redo his kitchen - floor tiles & IKEA.

The floor tiles are a real pain if you are over 65 - my ego made me do it. Ended up with a second cervical discectomy.

IKEA is good if you cover it with granite. Very good hardware, especially easy gliding & closing. The boxes are guaranteed for 25 years and can actually be changed out for little money.

The issue on how much to put into a house is, for me, based on how long I will be in the house and how it will help sell the house. With plans on selling in the spring it is easy for me to look at IKEA for cabinets and go granite to cover it up.

Quoting DocLightning (Thread starter):
The next handyman skill I need to learn is how to change a ceiling-mounted light fixture without dying in the process.

Step 1. Turn off the power.
Step 2. Double check that the power is turned off.
Step 3. Look at a few YouTube videos on how to actually change the light.
Step 4. If all else fails, read the instructions.  

Actually YouTube is great for learning various handyman skills. You can have some major help watching them.

Quoting DocLightning (Reply 2):
Yeah. Only three decades to go!

You'll be done in a lot less than that unless you have an accountant fighting to minimize cash flow into the mortgage.

And, if you are like a lot of couples, you will be looking at moving in 5 to 10 years. Maturing of your needs is one reason and another is the desire to grow more expensive asset for retirement.


User currently offlineKaiGywer From United States of America, joined Oct 2003, 12254 posts, RR: 35
Reply 38, posted (1 year 10 months 3 weeks 6 days 18 hours ago) and read 2108 times:
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Quoting Ken777 (Reply 37):
Actually YouTube is great for learning various handyman skills. You can have some major help watching them.

Indeed. I have done all the work on our house myself, and most of my learning is through YouTube and Google  



911, where is your emergency?
User currently offlinefxramper From United States of America, joined Dec 2005, 7308 posts, RR: 85
Reply 39, posted (1 year 10 months 3 weeks 6 days 18 hours ago) and read 2109 times:
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50 posts and no pics? Where is the lame smiley?


I miss the old Anet.
User currently offlinefr8mech From United States of America, joined Sep 2005, 5489 posts, RR: 14
Reply 40, posted (1 year 10 months 3 weeks 6 days 17 hours ago) and read 2107 times:

Quoting DocLightning (Thread starter):
The next handyman skill I need to learn is how to change a ceiling-mounted light fixture without dying in the process. That will be interesting...

Hell, Doc, I missed that first time around. I've hung a freaking ceiling fan in every house I've bought. 2 in the first, 5 in the second, 2 in the third and 1 in this one.

Take a look at YouTube and see what you see.

The first thing to do is kill the power and make sure it's dead. Next, you pull he existing fixture and look at the wires. If you're lucky, there will be 3 (exclusive of the ground): a white (neutral), a red and a black (hots). Then, take a look at the switch that controls the fixture...same question. If there are 3 at both locations, your wire job is easy. If there are only 2, then you need to make a couple of decisions. Still not a bad job, but you need to think a couple of things through.

How old is the house?

Really, take a look at the stuff available and drop me a message and I will be more than happy to walk you through it, including pictures. An electrician will charge about $100, sans parts, to do this job and anybody with any sense of electricity and 'handymanliness' should be able to handle it.



When seconds count...the police are minutes away.
User currently onlineRevelation From United States of America, joined Feb 2005, 12707 posts, RR: 25
Reply 41, posted (1 year 10 months 3 weeks 6 days 17 hours ago) and read 2103 times:

Quoting TSS (Reply 29):
And if you don't enjoy mowing the lawn, another benefit of low-maintenance flower beds is that every square foot of flower bed is a square foot of yard that never needs mowing.

And it gives his dog a place to poop too!

Quoting Superfly (Reply 34):
DocLightning, you should consider this for your gardening needs.

http://www.youtube.com/watch?v=mrTubyoHsvc

Very nice.

Another approach that should go over well:

http://www.youtube.com/watch?v=YP8m4HbyzhI

Bet it works better than the robo-mower!



Inspiration, move me brightly!
User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 42, posted (1 year 10 months 3 weeks 6 days 11 hours ago) and read 2055 times:

Quoting Revelation (Reply 41):
Another approach that should go over well:

Oh yeah. The dogs will love that!

Quoting fr8mech (Reply 40):
The first thing to do is kill the power and make sure it's dead. Next, you pull he existing fixture and look at the wires. If you're lucky, there will be 3 (exclusive of the ground): a white (neutral), a red and a black (hots). Then, take a look at the switch that controls the fixture...same question. If there are 3 at both locations, your wire job is easy. If there are only 2, then you need to make a couple of decisions. Still not a bad job, but you need to think a couple of things through.

The house was built in 1890, but all the lights and switches are brand-new. I *HATE* the fixtures in the hallway. They won't accept an LED (or CFL) bulb. They will only accept incandescents. A few mm in size variation and the dome won't fit on. On top of that, they're fugly.

So I'll be replacing those. The one over the staircase will be interesting...


User currently offlinefr8mech From United States of America, joined Sep 2005, 5489 posts, RR: 14
Reply 43, posted (1 year 10 months 3 weeks 6 days 10 hours ago) and read 2043 times:

Quoting DocLightning (Reply 42):
The house was built in 1890, but all the lights and switches are brand-new.

The wiring will be the issue for a ceiling fan. Attic access above the fixture you want to install the fan in?

Quoting DocLightning (Reply 42):
So I'll be replacing those. The one over the staircase will be interesting...

You'll need one of these:

http://www.homedepot.com/h_d1/N-5yc1...yword=ladder+leveler&storeId=10051

along with a straight ladder.

You're a homeowner now. Buy tools and equipment with abandon. Especially if you only need to use it once.



When seconds count...the police are minutes away.
User currently offlineMD11Engineer From Azerbaijan, joined Oct 2003, 14060 posts, RR: 62
Reply 44, posted (1 year 10 months 3 weeks 6 days 10 hours ago) and read 2038 times:

I just returned from the Philippines yesterday. My fiancée and myself would like to purchase a lot adjacent to her and her mother´s lots, to become a garden and to provide a buffer to the neighbours (who would like to get the lot as well to build an extension to their house, which would then go right to our bedroom).
The problrm is that she has not the money, which I have, but as a foreigner I´m not allowed to own land in the Philippines as by their constitution, so the title would have to be in her name and I would have no documentation showing that the money came from me (it could get them into trouble as per the Filipino Anti-Dummy law, which punishes Filipinos who act as a front to circumvent the constitutional ban).
While it would be ok for me to have my fiancée to be the official owner as long as our relationship goes on well, relationships can go sour and then I would be left without anything and also if she should die first, her family would have a first right to the land (I have a daughter from my first marriage, who is a Filipino citizen (German-Filipino dual citizenship), so she could legally inherit the land, but again, without papers, she would get nothing.
Since my fiancée and myself eventually plan to retire in the Philippines and to live in my fiancée´s house, I see buying the land as sharing and investing into our common future.
Does anybody know a Filipino lawyer, who can give advise on real estate matters?

Jan


User currently offlineSuperfly From Thailand, joined May 2000, 39905 posts, RR: 75
Reply 45, posted (1 year 10 months 3 weeks 6 days 9 hours ago) and read 2025 times:

Quoting MD11Engineer (Reply 44):
While it would be ok for me to have my fiancée to be the official owner as long as our relationship goes on well, relationships can go sour and then I would be left without anything

Let's hope that doesn't happen. Otherwise you may end up with all the relatives moving in with you as well. Will that be OK with you?

Quoting MD11Engineer (Reply 44):
I just returned from the Philippines yesterday.

Did you fly Philippines Airlines? If so, what beer did they serve?  



Bring back the Concorde
User currently offlineMD11Engineer From Azerbaijan, joined Oct 2003, 14060 posts, RR: 62
Reply 46, posted (1 year 10 months 3 weeks 6 days 9 hours ago) and read 2019 times:

Quoting Superfly (Reply 45):
Quoting MD11Engineer (Reply 44):
I just returned from the Philippines yesterday.

Did you fly Philippines Airlines? If so, what beer did they serve?

No, we used Cathay Pacific via HKG (CEB-HKG-FRA) and Cebu Pacific and AirPhil Express within the Philippines (CGY-CEB and CEB-MPG). I normally don´t drink alcohol on board of aircraft, because being on a plane makes me always feel as if I´m at work and just on stand-by at the moment (I might be called for a problem at any time) and I never drink at and before work.
I assume that PR would serve San Miquel Pale Pilsen beer.



Quoting Superfly (Reply 45):
Quoting MD11Engineer (Reply 44):
While it would be ok for me to have my fiancée to be the official owner as long as our relationship goes on well, relationships can go sour and then I would be left without anything

Let's hope that doesn't happen. Otherwise you may end up with all the relatives moving in with you as well. Will that be OK with you?

I hope not, but my uncle, who moved to the Philippines a few years ago and brought a few 100,000 €, which he had inherited, got into a bit of trouble. He invested the money into several businesses which he started with members of his ex-wife´s family and which are registered in their names as per law (foreigners are also limited to minority business ownership in the Philippines), and at the moment he has some trouble. He is the brains behind the businesses and got a large poor family out of the slums and made them reasonably wealthy, but if they decide they don´t need him anymore they can tell him to take a running jump and take all his money.
In fact, I think he would be the ideal foreeign investor for the Philippines. He likes to live there, is happy with 50,000 Pesos (about 1000€) per month from the profits and a small house for himself, and with the current slump on the coconut products market he is more worrieed about how he can sustain the salaries for his workers on the coconut tree platantion he set up than about his own profits (having some socialist ideas, he wants to have everybody connected to the business, shareholders and workers, to have a good income by Filipino standards and he gave more than fifty people jobs in a city with high unemployment).

Jan


User currently offlineSuperfly From Thailand, joined May 2000, 39905 posts, RR: 75
Reply 47, posted (1 year 10 months 3 weeks 6 days 9 hours ago) and read 2016 times:

Quoting MD11Engineer (Reply 46):
I assume that PR would serve San Miquel Pale Pilsen beer.

Nope.
Superfly Does The Philippines (PR-BKK-MNL)
Superfly Does The Philippines (PR-BKK-MNL) (by Superfly Jan 24 2011 in Trip Reports)

Quoting MD11Engineer (Reply 46):
got a large poor family out of the slums and made them reasonably wealthy, but if they decide they don´t need him anymore they can tell him to take a running jump and take all his money.

I've heard of that story many of times and it happens a lot here in Thailand as well. You just have to be very careful and selective of your mates regardless of which country you're in.



Bring back the Concorde
User currently onlineTSS From United States of America, joined Dec 2006, 3068 posts, RR: 5
Reply 48, posted (1 year 10 months 3 weeks 6 days 6 hours ago) and read 1992 times:

Quoting fr8mech (Reply 43):
Quoting DocLightning (Reply 42):
The house was built in 1890, but all the lights and switches are brand-new.

The wiring will be the issue for a ceiling fan.

A minor understatement. The main problem with a house of that age is that the wiring might be anything from the original stuff through every variety that has been produced until today. I don't want to scare you unnecessarily at this point, so just shut off the power, remove the switch plate, pull the switch out of the wall, and let us know which type of wire is connected to it.

Also, get thee to Home Depot and invest in one of these-

Test every socket for proper function before plugging in anything more sophisticated than a table lamp.

Quoting fr8mech (Reply 43):
Attic access above the fixture you want to install the fan in?

Fingers crossed!



Able to kill active threads stone dead with a single post!
User currently offlinefr8mech From United States of America, joined Sep 2005, 5489 posts, RR: 14
Reply 49, posted (1 year 10 months 3 weeks 6 days 6 hours ago) and read 1991 times:

Quoting TSS (Reply 48):
and let us know which type of wire is connected to it.

Waiting with bated breath.

Quoting TSS (Reply 48):
Also, get thee to Home Depot and invest in one of these-

Absolutely.

If you plan on doing your own electrical work, you may also consider one of these:

http://www.homedepot.com/h_d1/N-5yc1...rd=electrical+tester&storeId=10051

With a house that old, your circuit breaker (I hope) box may be mislabeled or not labeled at all. This tool helps ensure that the circuit is actually dead.



When seconds count...the police are minutes away.
User currently offlineflipdewaf From United Kingdom, joined Jul 2006, 1577 posts, RR: 0
Reply 50, posted (1 year 10 months 3 weeks 6 days 5 hours ago) and read 1964 times:
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Quoting Ken777 (Reply 37):
Actually YouTube is great for learning various handyman skills. You can have some major help watching them.

Youtube is great, I learned to plaster through youtube (been in my first house just over a year).

Quoting DocLightning (Reply 42):
The house was built in 1890, but all the lights and switches are brand-new.

Same in my house (although my house is ~1780, so older than electricity)

Quoting DocLightning (Reply 42):
I *HATE* the fixtures in the hallway.

I have started to change all my switches to antique bakelite/pottery ones.

Fred


User currently offlineMD11Engineer From Azerbaijan, joined Oct 2003, 14060 posts, RR: 62
Reply 51, posted (1 year 10 months 3 weeks 6 days 3 hours ago) and read 1941 times:

Quoting TSS (Reply 48):
Also, get thee to Home Depot and invest in one of these-

Can you get those e.g. through eBay, for US NEMA fittings (15 & 20 A), but 220 Volts? I need such a tester for the Philippines, where they use American type connectors, but 220 V.

Jan


User currently offlineDocLightning From United States of America, joined Nov 2005, 19927 posts, RR: 59
Reply 52, posted (1 year 10 months 3 weeks 6 days ago) and read 1912 times:

Quoting fr8mech (Reply 43):
You'll need one of these:

I'd rather use one of these:



And let him do the work.  


User currently onlineKen777 From United States of America, joined Mar 2004, 8320 posts, RR: 9
Reply 53, posted (1 year 10 months 3 weeks 5 days 23 hours ago) and read 1888 times:

Quoting fr8mech (Reply 43):
You're a homeowner now. Buy tools and equipment with abandon. Especially if you only need to use it once.

LOL! Over the years I have built up a ton of tools! - many that have been used only once. I can justify it as long as the cost of the tool saved a service call.

Finally learned that you can get some cheap stuff at the Pawn Shops. Won't be in a nice looking "set", but is good to replace stuff you loose (I also have lost a ton of tools over the years.   )

Quoting DocLightning (Reply 42):
The house was built in 1890, but all the lights and switches are brand-new

I thought our house was old - it was built in 1952.

I'll agree with the recommendations to look at the type of wire you have. Aluminum wiring is a concern, as is some old, frayed wiring not in conduit.

Quoting DocLightning (Reply 52):
I'd rather use one of these:

Not anymore - you're married. It's time for window shopping, but no trying on anything for size.   


User currently offlinepnqiad From India, joined May 2006, 586 posts, RR: 0
Reply 54, posted (1 year 10 months 3 weeks 5 days 21 hours ago) and read 1870 times:

Congrats Doc!

Quoting DocLightning (Reply 31):
Now that is an interesting idea. I'll look into it.

No need to pay any company to do what you can do on your own. Your lender would be able to tell you exactly when and how to pay extra and have the entire extra amount be applied to the principle.


User currently onlineTSS From United States of America, joined Dec 2006, 3068 posts, RR: 5
Reply 55, posted (1 year 10 months 3 weeks 5 days 19 hours ago) and read 1842 times:

Quoting Ken777 (Reply 53):
I'll agree with the recommendations to look at the type of wire you have. Aluminum wiring is a concern, as is some old, frayed wiring not in conduit.

Especially since said wiring may have been replaced or added on to in a piecemeal fashion multiple times over the last 122 years.

As a very bad example, for a while I lived in a house that was built in 1917. Most of the wiring for lights and outlets was the original cloth-wrapped single-strand stuff, which was not grounded and had it's own fuse box using cartridge-type fuses. The kitchen had been extensively remodeled in the late 1950s and used dual-strand wire insulated in rubber and wrapped in what looked like asbestos, which was also not grounded and had it's own separate fuse box using screw-in glass fuses. A previous owner had installed a workshop in the basement in the 1980s which used modern three-strand Romex wiring that was grounded and had it's own fuse box with circuit breakers. Complicating things was the fact that some of the original lights and outlets had been connected to one or the other of the more modern wiring systems, and a few of the outlets had been replaced by modern three-prong receptacles which were ungrounded because they were connected to the original wiring which had no ground wire.

[Edited 2012-11-28 14:21:26]


Able to kill active threads stone dead with a single post!
User currently onlineKen777 From United States of America, joined Mar 2004, 8320 posts, RR: 9
Reply 56, posted (1 year 10 months 3 weeks 5 days 15 hours ago) and read 1805 times:

I forgot to mention the obvious.

As a homeowner you now need to check out HGTV and the DIY Channels.

You'll know you are well established in your new status when you actually record some of the better shows.   


User currently offlineflipdewaf From United Kingdom, joined Jul 2006, 1577 posts, RR: 0
Reply 57, posted (1 year 10 months 3 weeks 5 days 7 hours ago) and read 1760 times:
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Quoting Ken777 (Reply 53):
Aluminum wiring is a concern

Aluminium wiring should be fine (no need to rip it out) but it can be a good idea to get the connections checked and make sure that any electrics work done uses the correct clamping techniques etc.

Fred


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