[audio-pals] Re: Older Houses
- From: "Josh" <lawdog911@xxxxxxxxxxx>
- To: <audio-pals@xxxxxxxxxxxxx>
- Date: Tue, 17 Mar 2015 07:32:00 -0400
Hopefully made from a different material *LOL*.
-----Original Message-----
From: audio-pals-bounce@xxxxxxxxxxxxx
[mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
Sent: Monday, March 16, 2015 4:36 PM
To: audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Older Houses
Yep there is a Morton Salt, but there are storage buildings too.
> On Mar 16, 2015, at 3:12 PM, Josh <lawdog911@xxxxxxxxxxx> wrote:
>
> I thought that was salt *LOL*.
>
> -----Original Message-----
> From: audio-pals-bounce@xxxxxxxxxxxxx
> [mailto:audio-pals-bounce@xxxxxxxxxxxxx] On Behalf Of Thomas McMahan
> Sent: Saturday, March 14, 2015 9:36 PM
> To: audio-pals@xxxxxxxxxxxxx
> Subject: [audio-pals] Re: Older Houses
>
> 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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