Mortgage Monday: Where’s The Warranty?

Over the course of the past several months since we purchased our home, there have been a few things here and there that we have found that need replacing. Nothing major at this point but all items that we are trying to address in as timely a manner as we can manage at this point. Of course, there is also a process that we must follow when assessing each of these minor issues the first step is to assess our home warranty to see if any of these items are covered. This, as should be a surprise to no one, involves scanning a lot of fine print and numerous phone calls to clarify the coverage of some items.

The first issue that we encountered shortly after moving in was the self-destruction of our garage door… no one told us it was made by Mission Impossible Brands. It was a simple matter of a single bolt coming loose but it was enough to grenade the door. And, of course, it is something not covered under the warranty. So it remains one of the small but annoying items on our list of things that we need to address in the coming months.

It is the little things such as this that just seem to add up and it is never a small item that is included in the fine print of the home warranty. The wording is almost clairvoyant in the way is side steps many of the minor issues that we have encountered. While nothing is of great significance and would be considered an annoyance more than anything, they all add up as more and more small items turns into a rather large list.

And, right now, we are only in the very beginning of this process. As many of you know, all of the little quirks and minor repairs usually pop up within the first year… we are only half way there. I can see a few things that may be problematic in the coming months and have already started checking for warranty coverage. Our luck could turn in this regard but we won’t really know until we try to use it. However, we can’t lose sight of the simple fact that this remains a solid house.

There are many issues that I have heard about from others that are nowhere to be found in our home. Again, the ‘issues’ that we have encountered are very minor and it shouldn’t be an issue making these small adjustments, changes, and repairs. As was written about before, the optional list is something completely different. But, so far, things are good and we will make the necessary modifications… one project at a time.

Sunday Search: Another Generation Of Baby Photos

Each month that passes, we do our best to take a picture of our son so that we can record his growth over time. Sometimes we manage to get the picture taken on the exact day of the month while other times we might be off by a day or two. Each time we think about the pictures that we have seen of ourselves and it is hard to believe that we are now on the other side of the lens. This time, however, I didn’t look back at some of my baby pictures, I looked back much further and sorted through some of the much older family photos that I discovered over the summer. They were actually included in the same group that I wrote about last month.

My great grandmother, Helen Fulton, was only 30 when she passed away from a stroke but there are numerous pictures from her life both from before she married my great grandfather, William Jacob McKannan, and throughout their 10 year marriage. The first picture, which prompted this post, is from about 1893 or 1894 when she was just a baby...

A few years later, we have a photo of her as a little girl taken in about 1900 (I can actually see my niece in this photo)…

By 1910 (according to the census), my great grandparents were living next door to one another. My great grandfather was living with his uncle (along with his mother and sister) while my great great grandfather was working for the Pennsylvania Railroad while my great grandmother’s family moved in with her grandmother. Some things can be written off as coincidence while other situations, like this one, seem to be fate. My great grandparents married two years later which is around the time when we can surmise that this picture was taken…

A few years later, both McKannan children were married and my great great grandmother, Susan Laura Corner, was still holding her own at home while the railroad continued keeping my great great grandfather away from his family. It was during this time, in the mid-teens (I surmise early 1914 since my grandfather was born in October 1914), when this family photo was taken with my great great grandmother in the middle surrounded by her growing family…  

As I have written before, by the end of 1922 my great grandfather was left a Widower caring for his two sons having lived through the loss of his wife and two daughters over the past two years. But the photos and memories remained allowing the family to remember her, what she looked like, and the happiness that filled her brief life. You never know how life progresses or when life will come to an end but the images continue to maintain the vibrant details, from birth to death, of the family history. It is a great feeling to be adding another generation of details to our tree with every passing month.

The Gifts Keep Coming

It felt like this for a while. 

During the course of the year we have received countless gifts from friends, family, and coworkers for our son. Having now lived through this, I can say that this is the time in life when you see the greatest amount of generosity. The first couple of months of the year saw the greatest deluge of packages and envelopes, but there is still a light trickle of gifts even as we head into the fall. It is pretty amazing the amount of items we have received over the months and we continue to be thankful for each and every item that we receive (even the ones that we return or exchange).

Admittedly, it can be a little daunting at times with the amount of stuff that has accumulated in our house but, in the end, it is all stuff that we have had to purchase anyway. It is interesting to think about the number of things and boxes that we originally moved into the apartment four years ago, the increased amount of stuff that we moved from the apartment to our current house, and the volume that will have to be packed and moved to our next home. And I am sure that the accumulation won’t stop there either.

I wish that I was as thoughtful as many of the people that we have in our life. Time and again, I have been presented with the same or similar opportunities and for one reason or another (usually finances or forgetfulness) too long a time passes and the opportunity is gone. I certainly have to get better at this as it is also a time to pay it forward and show the same generosity that has been shown to us. Hopefully there are many more opportunities coming up.

Sometimes I forget about just how great many of the people in our life are and this experience has been a clear reminder of quality of people that we have in our life. And don’t get me wrong, it is not about the numbers. Some of the greatest (and many time most useful) items have been the small thoughtful things that served us well during this learning process. Sometimes it wasn’t even a gift. There have been many times when the help or a willing ear have meant a great deal when we needed them. The gifts have only proven even more how much others car about us and our son. That is what it is all about and that is what we try to convey to our son each and every day.