[audio-pals] Re: Older Houses
- From: Daniel Crone <averagegrabbag@xxxxxxxxx>
- To: audio-pals@xxxxxxxxxxxxx
- Date: Sun, 15 Mar 2015 15:58:04 -0500
Not sure.
On Mar 14, 2015, at 8:36 PM, Thomas McMahan <shadowmonstrosity@xxxxxxx> wrote:
> Morton?
>
>> On Mar 14, 2015, at 8:05 PM, Daniel Crone <averagegrabbag@xxxxxxxxx> wrote:
>>
>> There is another company like General Steel, but I cannot remember the name.
>> On Mar 14, 2015, at 4:50 PM, Thomas McMahan <shadowmonstrosity@xxxxxxx>
>> wrote:
>>
>>> Yes, they are pretty large, but an acre of land he could put one up. Those
>>> are for commercial or warehouse storage or churches, you were in one when
>>> you were up here, the one over at Onarga is a General Steel building.
>>>> On Mar 14, 2015, at 12:50 PM, Daniel Crone <averagegrabbag@xxxxxxxxx>
>>>> wrote:
>>>>
>>>> Sometimes I would hear ads for all steel buildings.
>>>> Are they mainly commercial or otherwise?
>>>> On Mar 13, 2015, at 12:48 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>>>>
>>>>> My dad recommended a guy that sells these buildings. He said that he or
>>>>> well his crew woiuld come out and set the building up so there is really
>>>>> no labor involved if buying from him. He said he does payments, but if
>>>>> we can save enough buying the house then we may not need to make payments.
>>>>>
>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
>>>>> Sent: Friday, March 13, 2015 11:42 AM
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> Great an acre of land, as long as there aren’t to many trees right upon
>>>>> the house you can get a building, line it’s side door up to where you
>>>>> want it to go into the house, and with a little work, well it’s attached,
>>>>> even cheaper if you can use an existing door on the house, it’s doable
>>>>> with a little thinking power.
>>>>>
>>>>> The acre around it is a strong point verses just bing on a lot with
>>>>> structures already around. But of course if you could find a place with
>>>>> a garage already there that would be cool too, because yes storage is
>>>>> going to be a problem, that is a draw back of our house. The good side
>>>>> is that we don’t have a basement that floods like most basements around
>>>>> here *lol*. We’ve already told our family that if a flood comes we’ll
>>>>> just cut away from the utilities and float away, and everybody then has
>>>>> said “like Noah’s ark.” Wonder why they would say that to us? Maybe
>>>>> something about all of the animals here. Well that were here in the past
>>>>> more than now.
>>>>>
>>>>> On Mar 13, 2015, at 10:27 AM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>>>>>
>>>>> Sounds like space issues. Space issues concern me because the house that
>>>>> I really lke does not have a basement or an attic. It has a shed, but
>>>>> that will be full of yard stuff. Perhaps they sell storage buildings that
>>>>> I can put in the yard. The house sits on an acre of land. Little Man and
>>>>> I are having lunch with my Dad here in just a few minutes so I am going
>>>>> to talk to him about the potential problems and how difficult they would
>>>>> be to remedy. It seems like I have seen storage buildings at Lowes back
>>>>> when I could see. The unfortunate thing is there is an open house on it
>>>>> Sunday and my agent is out of town till Tuesday.
>>>>>
>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of BethAnn LaPresta
>>>>> (Redacted sender "bela28_02@xxxxxxxxx" for DMARC)
>>>>> Sent: Friday, March 13, 2015 10:36 AM
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> My garage is in front of the house, not my favorite scenario, but it
>>>>> works. Also, they made about a third of it into finished space with a
>>>>> new vinyl window, carpeting, etc. so you can't park a car in it. But,
>>>>> with all the lawnmower, gardening, storage stuff, there probably wouldn't
>>>>> be room to park in it anyway.
>>>>>
>>>>> From: Josh <lawdog911@xxxxxxxxxxx>
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Sent: Friday, March 13, 2015 5:40 AM
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> Talking about a detached garage, Amanda had a couple of houses on her
>>>>> list that were detached garages, but I ruled them out before ever going
>>>>> to them. I think a detached garage is useless. The main reason I would
>>>>> want a garage in the first place is to stay out of the elements when they
>>>>> are bad and if I had a detached garage well then I am still going outside
>>>>> at some point in order to get in the house. Now, that the criteria has
>>>>> changed and shifted a bit so that we have more options though it may be
>>>>> that we reconsider detached garages at some point. After all we are now
>>>>> considering houses with carports whereas before we were not.
>>>>>
>>>>>
>>>>>
>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
>>>>> Sent: Thursday, March 12, 2015 2:37 PM
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> No he couldn’t, we he won’t once the property tax comes around. Not in
>>>>> Chicago. Detroit maybe though.
>>>>>
>>>>> On Mar 12, 2015, at 1:19 PM, BethAnn LaPresta (Redacted sender
>>>>> "bela28_02@xxxxxxxxx" for DMARC) <dmarc-noreply@xxxxxxxxxxxxx> wrote:
>>>>>
>>>>> Actually for $120K, he could probably buy an entire block in Chicago...
>>>>>
>>>>> From: Thomas McMahan <thomas.mcmahan@xxxxxxx>
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Sent: Thursday, March 12, 2015 11:08 AM
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> Why didn’t you tell us you lived in Chicago? Sounds very much the same
>>>>> as it is up there.
>>>>>
>>>>> Hey Josh, I just thought of another option. There are lots of houses
>>>>> available in Detroit. Heck you can probably buy yourself a school
>>>>> building there. That would be a big house for you. Utilities might be a
>>>>> little high though.
>>>>>
>>>>>
>>>>> On Mar 12, 2015, at 11:57 AM, BethAnn LaPresta (Redacted sender
>>>>> "bela28_02@xxxxxxxxx" for DMARC) <dmarc-noreply@xxxxxxxxxxxxx> wrote:
>>>>>
>>>>> My house is in a neighborhood that is definitely considered "the hood".
>>>>> I refinanced in January at $130K and my payment is about $800/mo. My
>>>>> property taxes are spendy though, over $2K per year, so that adds almost
>>>>> $200/mo right there. They tossed 26 of my cottage style single detached
>>>>> homes on little 3900 sq ft. lots, so our cul-de-sac is very busy with all
>>>>> of us stacked up right against each other. But, living out west, things
>>>>> cost much more, it is shocking actually.
>>>>>
>>>>> I could've purchased a 100 yr. old home where Heather lives in Ohio with
>>>>> about the same size lot for $60K, just to give perspective. The guy who
>>>>> got himself into trouble with my house paid $263K for it in 2006 when
>>>>> real estate prices were obscene out here. Because he was short selling
>>>>> the home, I was able to get it for just $110K in 2011. A house on my
>>>>> street has just gone up for sale and they're asking $200K for 3 bedrooms
>>>>> (and they are tiny), 2 baths with one car detached garage. So, if I need
>>>>> to sell, I should still be able to make a little.
>>>>>
>>>>> Thought I should explain my monthly payment since I was saying I didn't
>>>>> think the $600/mo. seemed like enough.
>>>>>
>>>>> From: Thomas McMahan <shadowmonstrosity@xxxxxxx>
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Sent: Thursday, March 12, 2015 9:23 AM
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> Oh mine btw was $162, because we’re cheap! *lol*. Then it went down to
>>>>> $150 then down to $128, but again we’re cheap and live in a piece of s—
>>>>> house, but as Pat used to say, “it’s our piece of S— *lol*.
>>>>>
>>>>> On Mar 12, 2015, at 10:12 AM, BethAnn LaPresta (Redacted sender
>>>>> "bela28_02@xxxxxxxxx" for DMARC) <dmarc-noreply@xxxxxxxxxxxxx> wrote:
>>>>>
>>>>> I am not sure that $600/month figure is accurate. I just refinanced at
>>>>> 3.25% and my payment is $800/mo. (this does include property taxes and
>>>>> insurance though).
>>>>>
>>>>> From: Josh <lawdog911@xxxxxxxxxxx>
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Sent: Thursday, March 12, 2015 4:44 AM
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> Amanda did some figuring using a mortgage calculator online and the
>>>>> 120,000 house was going to run us roughly 600 something a month for I
>>>>> want to again say it was 1700 sq. ft. We currently live in a 1100 sq. ft.
>>>>> apartment and pay 714.00 a month. So, given the differences there and the
>>>>> fact that we have nothing to show for it at the end of the year is a
>>>>> little much in my book. So, if the 120,000 was going to be 600 something
>>>>> it would go to reason that the 112,000 would be less money than that.
>>>>> Now, as far as utilities go, Knoxville Utilitiy Board (KUB) will give us
>>>>> high and low figures for the last 12 months. The last 12 months is a good
>>>>> thing providing there has been someone living in the house, but if the
>>>>> house has sat empty then the numbers that KUB quotes are not in the least
>>>>> bit accurate. I really like the idea of rolling insurance and taxes into
>>>>> the monthly payment so that way at the end of the year or whenever land
>>>>> taxes are due we are not hit with a big lump sum of money to pay. Sure it
>>>>> would be nice to think that I could just put that money back each month
>>>>> and not touch it, but the minute something needs to be paid for guess
>>>>> where the land tax money goes that was being put bac into an account. If
>>>>> it is figured into the monthly payment then for the most part the
>>>>> majority of it will be paid throughout the year. The thing that really
>>>>> sucks is that stinking PMI payment each month.
>>>>>
>>>>>
>>>>> From: audio-pals-bounce@xxxxxxxxxxxxx
>>>>> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
>>>>> Sent: Thursday, March 12, 2015 4:58 AM
>>>>> To: audio-pals@xxxxxxxxxxxxx
>>>>> Subject: [audio-pals] Re: Older Houses
>>>>>
>>>>> I accidentally hit the send before cleaning up that mail darn it.
>>>>>
>>>>> Here’s another little exercise to work on. Lets say you guys decide to
>>>>> go for this house. You should have a ballpark of the monthly payment.
>>>>> Sit down and plot out a budget around it on one paper, as well as a list
>>>>> of possible repairs to do on another list and their costs. Yes a house
>>>>> payment can be cheaper than rent, but their are other realities such as
>>>>> the taxes, and insurance. Are you going to escrow your insuranc and tax
>>>>> payments into your house payment? Most people do that and it usually
>>>>> works out well until they assess your house taxes up and then you have to
>>>>> make up the short fall. Of course if they assess them downward you get a
>>>>> chunk of money back in the mail like my sister-in-law has done the past
>>>>> two years. I didn’t escro my other payments. I deal with insurance as I
>>>>> would any other utility, and we would do our taxes on our own. Because
>>>>> of that I now pay my insurance once a year and it’s cheaper, and once the
>>>>> house was paid for there was less entanglement with the bank. I even
>>>>> removed the automatic withdraw for house payment because they double
>>>>> dipped us a couple of different months, and didn’t have a very good
>>>>> explanation as to why. So it put us into over draw land, which isn’t a
>>>>> place you want to be. They did the same to my sis-in-law too and she
>>>>> went in and practically threw a fit because she wasn’t working at the
>>>>> time and didn’t have income yet. They refunded her money on that one,
>>>>> but as she asked them, “now how am I supposed to pay the rest of my
>>>>> bills? You think you guys are my only bill to pay?” Banks and their
>>>>> computers can be sloppy sometimes.
>>>>>
>>>>> Now when you do your budget here’s another game to play which may be
>>>>> beneficial. Can you run your whole budget on one income? Everybody that
>>>>> lives as a couple should do this whether renting or paying for a house.
>>>>> Most of us find we can’t, but it is a nice goal. The guy we had going
>>>>> along with us to check out houses etc and sort of pointed and guided us
>>>>> along through the process gave us that little bit of wisdom. As he said,
>>>>> what happens if Pat loses her job and can’t get one very fast? Can you
>>>>> live on just your income alone, because if you can get to that point,
>>>>> then you can start paying extra against your house on it’s principle and
>>>>> have more paid off faster which is good for the credit rating, but if you
>>>>> decide to move in 20 years you are carrying less of a load thus will get
>>>>> more money back to leverage against your next place should you decide to
>>>>> do that. Or you can both pay some extra on house and car, then put the
>>>>> rest in the bank against major repairs which are going to come even if
>>>>> you buy a house that was built today, in 30 years you will have to had to
>>>>> replace things, they just don’t build stuff that good anymore and
>>>>> sometimes that includes homes btw.
>>>>>
>>>>> Lots of decisions, but at least it looks like you guys aren’t just
>>>>> jumping right and grabbing what shines in front of you which is good.
>>>>>
>>>>> Btw, I don’t think our budget is currently within the lowest income level
>>>>> of the house here at this time which would be Patti’s income, although
>>>>> it’s not way above that amount. It is a good goal to work for actually,
>>>>> so we will be able to start seriously working on this place. Get a lot
>>>>> of little stuff done over time, then do a loan down the road and fix the
>>>>> major stuff such as re doing the roof etc. I don’t think I am going to
>>>>> lift the house and work on foundation, but it would be nice to do
>>>>> actually.
>>>>>
>>>>> But it’s a good exercise to do. I would run it on your income Josh
>>>>> because it is likely to always be there and Amanda’s income is the
>>>>> variable one, it can be lower if she’s out of work, but can also be a lot
>>>>> higher should land a great paying job. Drop in everything, credit cards
>>>>> the whole deal, then figure out once you get to where you’re going which
>>>>> angles to cover and get paid off in the budget.
>>>>>
>>>>> I am guessing you guys have done some of this already though in preparing
>>>>> for checking out the housing market and talking to lenders because they
>>>>> are going to do roughly the same thing when checking your credit etc.
>>>>> Especially if it’s a conservative bank.
>>>>>
>>>>> Now I think I’ve completed all I was going to say. Took two e-mails, but
>>>>> if I had been able to clean up the other one first it would have fitted
>>>>> into one probably *lol*.
>>>>>
>>>>> Instead you get two.
>>>>>
>>>>> On Mar 12, 2015, at 3:34 AM, Thomas McMahan <shadowmonstrosity@xxxxxxx>
>>>>> wrote:
>>>>>
>>>>> Wouldn’t worry about a house on market for 5 months. Most around here
>>>>> are on a year or so. To many deals fall through each time that happens
>>>>> that just adds more time that the house is sitting there. Age, is only a
>>>>> problem if the house hasn’t been kept up and modernized over the years.
>>>>> There are people who prefer older houses simply because they are more
>>>>> solid. The house I live in was placed here in 1922. Yes it came from
>>>>> somewhere else. The house next door is older and was also brought in
>>>>> here from another place too. Fairly common in a town that springs up by
>>>>> a railroad. I wouldn’t worry so much about that as apposed to how it’s
>>>>> fundamentally built, there are a lot of newer places that are likely to
>>>>> give you just as much trouble if not more.
>>>>>
>>>>> Any house is going to have ongoing mantainence of some kind. Sided house
>>>>> are nice but siding fades over the years for example and eventually would
>>>>> need replacing. Wooden houses have their things that have to be done,
>>>>> and so would brick, but brick is the best option as far as I’m concerned
>>>>> accept maybe when a big earthquake comes, then I would favor a wooden
>>>>> house, but what are the chances of that huh?
>>>>>
>>>>> I don’t know the market down there anymore so don’t know if that is a low
>>>>> ball figure on that house or not, but I can tell you it is larger than
>>>>> mine is and mine is two stories, but so is it’s price too.
>>>>>
>>>>> Go through it with a fine tooth comb with the idea of what has to be
>>>>> fixed now, and then in the next 5 years and what would be ongoing over
>>>>> the years, I don’t think for the long term ongoing it will be much
>>>>> different than a 10 year old house verses the 60 year old house, but agin
>>>>> it is a matter of what would immediately have to be worked on. When was
>>>>> the house last occupied too? A house that hasn’t been occupied for a
>>>>> good while can have problems such as drainage because they haven’t been
>>>>> flushed etc. It sounds like you already have someone with you who knows
>>>>> how to examine a foundation well and give you an idea of what would have
>>>>> to be done and when which is good. Same with tuck pointing brick etc.
>>>>>
>>>>> It may be sitting on market because folks think it’s to high also, but
>>>>> you are going to drop in a price and they will take it or leave it, or
>>>>> you both the buyer and seller will eventually come up with something in
>>>>> the middle, or the seller is going to have an empty house on their hands.
>>>>>
>>>>>
>>>>> What heating and cooling does it have, and when was it installed too that
>>>>> is a factor, a 30 year old furnace is getting kind of old in this part of
>>>>> the world, but most of our furnaces are gas and they do have to work
>>>>> pretty hard for a good part of the year. Does it have any chimnies, and
>>>>> where do they run through the house. Ones that run through centers of
>>>>> houses on the surface are nice, but when they have to be worked on they
>>>>> are a lot more work. Of course where you live a lot of homes are
>>>>> electric heat and electric water heat, which is another thing to add to
>>>>> your check list, how old is the water heater and when will you be
>>>>> replacing that. A brand new house obviously you would get to wait a
>>>>> while before doing that, but chances are you would have to do it
>>>>> eventually, or have your price knocked down when you are selling it, or
>>>>> when your descendants are selling it. But that goes with any house
>>>>> again.
>>>>>
>>>>> What neighborhood is it in? How accessible is it to you. Pretend Amanda
>>>>> had to leave town for a Month and start your math, what is easy to get to
>>>>> via walking etc. Maybe that isn’t a problem for you at this moment, but
>>>>> life can always hand you changes, and well, next thing you know, you are
>>>>> walking to the grocery store if you know what I mean.
>>>>>
>>>>> Find out what their highest bills were for each utility in the last year
>>>>> it was occupied if you can, you need that in planning a general budget.
>>>>> I don’t know your property tax situation anymore, but here they just give
>>>>> an estimate from the seller, but the problem is, that if the sell lived
>>>>> in the house for a long time you might get a little surprise when the
>>>>> annual taxes come. Our’s wasn’t a surprise because the previous owner
>>>>> hadn’t lived or owned the house for to long.
>>>>>
>>>>> So it becomes also a matter of do you get a house that you won’t have to
>>>>> do any work or as little work as possible on, verses one that may have to
>>>>> have some work done, or one that is a fixer upper. We bought a fixer
>>>>> upper, but when we bought it was a seller’s market, it definitely isn’t
>>>>> that nowadays, so we went for a house we knew we could likely get. Well
>>>>> the trade off is that it’s needed work done on it and still does
>>>>> actually, but likely we would at least get some money back when we sell
>>>>> it. Maybe not a lot but probably some when all is said and done, and of
>>>>> course the sell of this place could be the lverage to getting a better
>>>>> place. It’s probably what you parents did, if not them then your grand
>>>>> parents did, that is more the normal thing in history. Well up until
>>>>> recently where you have people who expect to buy a brand new house that
>>>>> is larger than what their parents owned as their first house. Well if it
>>>>> can be swung, go for it, but to me it’s a little unrealistic, well to my
>>>>> income level it is *lol*.
>>>>>
>>>>> What appliances are already there, and how quickly do you think you will
>>>>> be having to replace say: stove, washer, or more of a bear dishwasher?
>>>>> What about cabinetry etc, is Amanda happy with that, having that done can
>>>>> also be expensive unless you have someone who works with you to give you
>>>>> a break. How much stuff will you guys do on your own for modifications
>>>>> verses having to hire outsiders. So yes the advantage of a new place is
>>>>> that you won’t have to do that, but I guarantee you will pay up front for
>>>>> that, but that is why newer houses don’t stay on market long.
>>>>>
>>>>> So then it falls back to degree of work and mantainence that has to be
>>>>> done.
>>>>> On Mar 11, 2015, at 9:41 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>>>>>
>>>>> Hello,
>>>>> We are finding tons of older houses that we absolutely love. When I say
>>>>> older I am talking 1950’s. I am struggling with this a bit though because
>>>>> I am looking ahead, past when I am living there. Or rather to the point
>>>>> that I am ready to not live there anymore. So, when I get to the point of
>>>>> not wanting to live there anymore it could be 10, 20, 30 or more years
>>>>> down the road, but I am sure there will come a time that I am ready to
>>>>> move on. If this is not the case and I stay there until I die then it is
>>>>> not a concern, However, a 1950 house that I live in for 20 years will
>>>>> then be 85 years old. I know the specific house that we are looking at
>>>>> has been on the market for right about 5 months. So, what do you all
>>>>> think, do you think I would have trouble selling an 85 year old home? It
>>>>> is on the market for 5 months at the age of 65 years old. It is right
>>>>> about 112,000.00 right now without negotiating a lower price. Do you
>>>>> think I would be able to get my money back? If it is not a major concern,
>>>>> the age of the house, then I will not let it sway my decision, but taking
>>>>> into consideration that it is an all brick rancher with over 1700 sq. ft.
>>>>> and it is almost 100,000.00 and still on the market concerns me
>>>>> regardless how beautiful the house seems right now.
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>>>
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