[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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