Mortgage Monday: Timing

It seems like a constant dilemma that we are facing week after week, project after project. The simple, yet complicated, question that continues to arise is whether we push some of the renovations back into the spring or just get them done now? As I have disclosed previously, it is a really long list of things that we are planning on having done at the house and the constant routine that we find ourselves in is less than ideal. I guess a better question is how much more of this can we handle?

While a postponement would bring us some quiet time heading into the fall and some greater flexibility in our schedule, it would also leave us with a few things that while not essential, are either an eye sore or simply aren’t conducive to us fully enjoying our home. It would also leave a few things ‘half done’ at this point which is less than an ideal situation we would find ourselves living in. But it would be quiet and that is something that can’t easily be overlooked.

However, there are a few larger projects that simply make sense to get done now. We already started the transformation so why would we stop in the middle right now and keep us from seeing our plans for our home from coming to fruition. Yes, it will be noisy, inconvenient (most likely less so than the first round), and put a decent dent in our bank account but we would have nearly everything done. And with these things off the list we wouldn’t spend the cold months cooped up in the house staring at the things that we wish we had changed.

It is a matter of deciding whether we want to relax a little now or relax and breathe easier later? Do we want the inconvenience now or later? And, most importantly, how soon do we want to complete the transformation from our house to our home? This doesn’t mean that we have to check everything off of our list but knocking out a good portion of it would go a long way and allow us to push back a few of the other, “less important”, projects.

Either way, it is safe to say that we are all looking forward to the day when we can consider everything done. And while I can’t wait for that time to come, I am also a realist and know that there will probably be an entirely new list that has been drafted in the interim and I am not completely sure if this is a good thing or a bad thing at this point. What I am enjoying is the fact that no matter when we do all of these things, we will be improving our home and we will be able to enjoy them for many years. So, here is to the future!

Old Hobbies Die Hard

Throughout my life I have had a multitude of hobbies and collections from baseball cards and comics to music and movies to books and coins to firearms and watches. Of course, these are in addition to the accumulation and collection of random information and facts which is a lifelong endeavor. While I don’t know exactly why I have enjoyed so many different hobbies I think it is due in large part because I need to keep myself occupied. More specifically, I need to keep learning about different things… I need to think. This helps to explain why there is such a variety and also why I keep returning to some of those previous interests.

The mechanics, ingenuity, and artistry found in firearms and watches have maintained my interest for years. While many, especially these days, would see these two as completely different from one another my appreciation is quite similar and my interest in them is rooted in some very basic concepts. This is what keeps my mind active as I study how they operate and simply appreciate the functionality and aesthetics of these items.

However, what I have found lately is that coins and currency have a stronger hold on my attention than all the other interests that I have had. The unexpected consequence of taking my son to a coin shop this past weekend is that it has once again piqued my interest in numismatics. As he was going from case to case studying each of the coins nearly organized on the shelves I couldn’t help but think about the time I used to spend searching for that one interesting coin.

Bear in mind that I was never one to collect the high end pieces that are purchased more for investment rather than appreciation. I gravitated to what interested me both in the actual coin itself, both design and origin, as well as the history that comes along with it. I would much rather study a well worn penny that has been used and witnessed a hundred years of history over an encased silver dollar in perfect condition minted this year.

It is also the different countries and periods in history which some pieces represent that fascinate me. This is the perspective that led to my interest in German States, Italian States, French States, Swiss Cantons, and British Palestine coinage. They all speak to a completely different time in history and aren’t immensely popular among collectors so they are usually affordable… and the stories and designs that can be found are compelling. It is that potential for a story that keeps me coming back to this hobby.

However, some things stay the same. We usually begin with the simple wheat penny which is where I started many years ago and where I am starting my son. Who knows, maybe this is something that we will enjoy doing together. Only time will tell but, at the very least, there are a lot of pennies for a lot of thoughts… and stories.

Mortgage Monday: We Finally Have Our House Back!

This is how it all started.

When I first reached out to contractors in late June there were two very simple projects in mind, garage doors and an office door. That is all that we planned on doing this time around and all that we thought our budget would permit. The garage door situation was resolved rather quickly and Shank Door did not disappoint in either price or service. However, it was a much more involved process trying to find a contractor for the work inside the house. After all, this is our home and I wanted to make sure that whomever we chose would do the job right.

I first met with a few contractors and was less than impressed with how they were approaching this rather simple project. It wasn’t looking good until I met with Mike Swenson from Swenson Home Solutions. Not only did he listen to what I wanted done but he was also honest with me and let me know what would work best for the space where I wanted my office door. On top of that his estimate was lower than all the others that I received by a few hundred dollars. There really wasn’t a question at that point, this was the right company for the job.

First addition to the project list...

This is when that small project began to morph into something much bigger. What started as a simple French door installation soon transformed into a small first floor renovation. With the prices we were being given, the work that we wanted done was, all of the sudden, possible now rather than later. This is when we decided to replace the carpet and linoleum with hard wood floors (thanks in part to a great price on ¾ inch oak floor from Carpet and Tile Mart in Reading), replace all of the external doors, replace both of the toilets on the first floor, and remove the baseboard heating. The two day project was now expected to take a week and a half.

...and the biggest addition to the project list
(we will work on the walls later).

Well, that was the plan. The office door, besides the floor being slightly out of level, went smoothly but everything else began piling on days to the project. Not only were the carpet and linoleum subfloors different thicknesses but the kitchen floor had a thick layer of leveling compound under it which required over a week of work on hands and knees with a heat gun and scraper. It made the dry rot repairs around all the doors seem like a minor hiccup that only cost us a couple of days. In the end, the week and a half projection ended up being nearly four weeks of work. However, when it came to the bill, what surprised me most was the fact that he stuck to the original estimate and only added a nominal amount for supplies.

We finally got our home back today and we are really happy and impressed with the work that has been done. It was a lot of work and only the first stage of what will be a rather long process to make this home our own but at least we now have an honest contractor that really has our best interests in mind and treats each house as if it were his own home. What more can you really ask from a contractor? Not surprisingly, we are already having him write up a few more estimates for some other projects in the works. But, for now, we are going to enjoy our “new” home.

Mortgage Monday: And Then That Happened…

Last week, in the early afternoon, I was in the middle of a project at the office. The deadline wasn’t until the end of the day and I was looking forward to taking care of a few other things before leaving the office that evening. After my phone had vibrated for the fourth or fifth time I found a good paragraph after which I could take a quick break and read the messages. I knew that they had to be from my wife but I had no idea what she was writing to me about.

Well, it could have been worse but it also could have been so much better. It turns out that the air conditioning, a project still lingering in the middle of our to-do list, decided to stop working in the middle of the day. And, of course, it was one of the hottest days of the year. That short break from the project I was working on was no longer a short break as I had to make half a dozen phone calls before a “solution could be found”.

Between the calls with my wife to get some additional details, texting my brother in law (this is what he does for a living), calling and emailing the home warranty company (the AC is covered under our policy), and finally trying to get a hold of the referred service company, all that time that I once had quickly went up in steam. Thankfully, I had gotten enough written before the chaos and I was able to get the project completed by the time I left the office (which was a little earlier than usual so I could meet the repair person when he arrived at the house). Driving home, I was expecting the worst as the half sized unit had been struggling lately.

I arrived at the house just as the service window was opening. Not surprising was the fact that it was another two hours before the technician pulled into the driveway. Almost immediately he began making comments on the small AC unit tucked away behind the garage. What did provide us with a rather pleasant surprise was the fact that it was a relatively simple solution to our problem with a loose wire (likely due to the constant usage) being the culprit. Thankfully, the air conditioning was restored quickly allowing for the house to cool a little before we put our son to bed.

Of course, this little hiccup has really put our renovation list in focus as the overhaul needs to be completed in the near future as I doubt that the next stoppage will be remedied so easily. We really are just waiting for the next time at this point and hoping that it holds off just a little longer until we can budget for the replacement system. But, for now, we are just going to enjoy the cool air for as long as it lasts.

Mortgage Monday: Water, Garage Doors, And Security

Last week I spent some time working from home but, just like the days that I decide to “take off”, it was for the simple reason that there was work that needed to be done at the house. Actually, I wasn’t doing any of the work, I was there so that could answer any questions that may come about from the minor projects around the house. Namely, over the two days at the end of the week we had Martin complete an inspection of our filtration system, Shank install the garage doors, and ADT check a few of the sensors that we have had to adjust lately.

Surprisingly, all of these appointments went about as smooth as possible beginning with the garage doors on Thursday. The old doors were exactly that and with the one destroying itself a few months ago, it was something that needed to be done this summer. Now seeing the new doors in place, the features that Shank includes, and hearing how quiet the new motors are, we are really glad that we made room in the budget to get this done. Of course, it helps that the person installing them really knew what they were doing and had the full swap out (doors, motors, tracks, sensors, etc.) done faster than I was expecting.

Friday morning the door bell chimed at about a quarter to eight in the morning. While I am all for being on time or even early to appointments, it isn’t as pleasant when ADT has already screwed up the scheduling (I made the appointment for and confirmed it with customer service at the time for the 12-5 window). This on top of the fact that the technician expects our full attention as we are in the middle of our son’s morning routine. Just one of many issued that we have had with that company so far. After a few unexpected (and without warning) triggers of the alarm and a few moments of puzzled contemplation regarding the use of adhesive, the work was completed and the rest of the morning could begin.

Martin Water was the third and final appointment of the week and as they were the ones who maintained this system previously, it was a pretty straightforward process. And it was great that they took the time to go through the steps that I need to follow to properly maintain the system. I was shown once before when we bought the house exactly what needed to be done but I can’t say that a whole lot of information was retained that chaotic week.

So, it may not be a big dent in our overall plans for the week but we were able to at least get things started while making sure a couple of the other things in the house don’t become future projects. And while ADT may be lacking at times the important thing is that the security system and monitoring are still solid. As for Shank Doors and Martin Water, don’t hesitate for a second if you are in need of their services… their prices and the quality of their work is exceptional. That is all… for now.

Prime Day Done Right

Last year most viewed Amazon Prime Day as nothing more than a ploy as the online retailer didn’t really offer up any of the amazing deals that everyone was expecting. While I didn’t have as strong a response last year, there was clearly room for improvement as I only found a few items that were of interest with most of those small purchases being for my son. When all was said and done, the real deals were on items that only a few people were looking to purchase while the rest of us not finding any discounts beyond that which we have been seeing for years in the daily deals. This was the expectation that many of us had when Amazon announced that they would, once again, have an Amazon Prime Day on July 12^th.

This was probably why it wasn’t until later in the morning when I decided to log into my account and see if there was anything that piqued my interest. Scrolling through the pages upon pages of discounted products I did find a couple that I considered purchasing and subsequently added them to my cart. However, none of those things I would qualify as anything that I needed to purchase so I decided to take a closer look at some of the things that my wife and I had been looking to purchase that were, at the time, saved in my cart for future consideration.

It was in these items, varied as they may be, that I noticed the huge difference between the flop last year and the vastly improved experience this time around. While I couldn’t find anything that was singled out as a deal, I did find that most of the products and items in my cart were part of a larger category or collection of items that were being offered at 10, 20, and 30 percent off. This is the kind of sale that many of us were looking for last year and were now ready to take advantage of this summer.

And this didn’t just apply to the new items. I also noticed that many categories in the “Amazon Warehouse” carried with them the same discount. The compounded savings on a few items finally pushed me to purchase some of the things that I had been thinking about for some time and now, at nearly 70 and 80 percent off, it was definitely the time to buy.

It may not have seemed likely but Amazon did actually learn something from the tepid response that they received the first time around and now, it is safe to say, most of us are looking forward to how they will improve the experience in the years to come. Of course, those beyond the 1 hour delivery areas are just waiting for our packages to arrive. And some of us are just letting them take their time so that we can further our frugality just a little bit more with the digital credits we are earning because we are willing to wait. Safe to say that next week should be an interesting UPS experience.

Mortgage Monday: Revising The Project List

My wife and I have continuously kept an informal project list of things that we would like to have done at the house. As I have written about before, some things are more pressing than others with the majority of these tasks being things that we want to do rather than things that need to be done. However, in the end, they are all projects that will transform this already wonderful home into a perfect one.  

Of course, we have to work within our budget so some things have been shifted around according to our finances. This has also impacted the overall timeline of the work we would like to get done at the house. That being said, as we have priced out some of the items on our list there have also been things shifted up or down accordingly. Lately, those prices that we have seen have allowed us to move things up in our timeline.

To review, here are the things that we have known for some time and which we had planned to address over the next few years:

• Installing office door
• Flooring (hardwood or laminate?)
• Minor electrical work (fixing existing issues)
• HVAC overhaul
• Replacing boiler with hot water tank
• Installing steel duct work
• Installing two HVAC units
• Installing underground tank for gas
• Side Deck
• Front Porch
• Repair / replace retaining wall
• Tree removal
• Installing chimney cap
• Repointing masonry
• Garage Door replacement
• Re-grading around the house

That was the basic list that we came up with shortly after we moved in and it remained relatively unchanged for a few months. Over time, we added a few more items:

Interior painting

• Replacing kitchen and bathroom hardware
• Replacing appliances starting with the washer and dryer
• Converting fireplace to gas
• Expanding bonus room upstairs and finishing

Now, the list has grown to include a few new items and some clarifications on the aforementioned ones as well. With the existing things that we knew from the beginning, previous additions, and a batch of new items, this new roster of projects now consists of the following:

• Installing French doors to my office
• Installing hardwood floors throughout
• Minor electrical work (fixing existing issues)
• HVAC overhaul
• Replacing boiler with hot water tank
• Installing steel duct work
• Installing two HVAC units
• Installing underground tank for gas
• Converting fireplace to gas
• Install gas or solar generator
• Installing composite side deck and front porch
• Repair / replace retaining wall
• Tree removal around property
• Installing chimney cap
• Re-pointing the patio
• Garage Door replacement
• Re-grading around the house
• Interior painting
• Replacing kitchen and bathroom hardware
• Replacing appliances starting with the washer and dryer
• Redirecting dryer vent
• Replacing refrigerator
• Expanding bonus room upstairs and finishing
• Replacing front, side, and patio doors
• Lighting fixtures in all bedrooms
• Replacing toilets
• Resealing basement walls
• Re-configuring landscaping (removal of flower beds)
• Replacing / adding outdoor lighting
• Replacing doors to garage with fire rated doors
• Replacing gutter guards
• Replacing blinds
• Installing new window treatments
• Replacing windows

What started as a relatively small collection of projects has grown rapidly into a long list of things that we would like to have done to the house. And while there are many more project than before, we are still hoping to get the majority of these things completed by the end of next summer. Some things will be quick while others will take weeks and some are things that we will get done eventually like replacing the windows. So, beginning this summer, things are going to be quite busy around the house but, slowly and while sticking to a specific budget, we will transform our home into one that we have only dreamed about in the past.   

Mortgage Monday: Estimates

While I was hoping to get a head start on this process much earlier in the year, sometimes things just don’t go exactly as we plan them. Of course, there isn’t anything really pressing at the moment… there isn’t anything that absolutely needs to get done at the house. There are projects that should be started (and finished) soon like replacing the garage doors but there is nothing that needs to be done.  

Unfortunately, without things being set into motion, there is plenty of time to add things to the list. And the list is getting quite a bit longer than was previously disclosed. All of that means is that the dollar figure at the bottom of the sheet of paper keeps climbing which makes me look back and really start cutting some of the unnecessary expenses from the growing budget. This has become an even more essential task of late as we have received a few quotes.

The biggest expense on the horizon is replacing the existing heating and air conditioning systems (which also means we have to swap out our hot water supply). Currently we have an undersized air conditioning unit (I have to call the home warranty company about this) and a loud boiler in the basement providing us with both hot water and heat through the zoned baseboard system throughout the house. While functional, it is not working for us. We will be switching to a central HVAC system with a hot water heater in the basement. While most would balk as we did at the $25,000 estimate (lowest available for quality work), the simple fact is that we will recoup most of that expense in the increased efficiency.

Some of the essential repairs and alterations needed are also quoting out much higher than expected. Actually, the garage doors and motors were a little lower at $2500 while the interior French doors to my office are much higher at $2500. Some may consider these as extra expenses but, for us, they are two smaller projects that need to be done. I am not going to simply repair or replace one garage door with an uninsulated patch… it makes more sense to just replace both and take care of the motors at the same time. And the office door is needed so that I can actually utilize my office.

The last think on this list of initial quotes is the removal of dead trees. While we had much of the property taken care of a couple of weeks ago, there are still a few leafless monsters swaying in the breeze. Because of their size and location it is not going to be a cheap endeavor. The first estimate is about $2800. Some may see them as simply an eye sore but they are within striking distance of the house and it is an unnecessary risk to leave them standing. I just hope that we can find a better price.

Everything else on our long and growing wish list is pretty much on hold as we pursue these projects and try to find a way to pay for them. Once these are done we will re-prioritize the rest of the list and decide when we want to tackle additional improvements and whether we will be able to budget for them. Of course, we will also factor in what makes sense for us now and in the long run… sometimes it is best to get something done now and other times the better option is to wait. We will just have to see what happens with these first few items from our list.

Mortgage Monday: Interesting Questions

No matter where, when, or at what price you purchase a house you will always have questions about your new home. Some are as simple as where things are located in the house while you still get used to your new surroundings. Other times you are curious as to the best routes and best places to shop around your new location. These are just a natural part of the process no matter who you are, where you live, or how much research you did before you bought your property. For some that remain local or knew the former owners they are quickly answered while for most of us it is just a process that takes time.

However, there are a few other questions that I find floating around in my mind that I have also asked a few people from time to time. They are actually more prevalent than I thought even for those who believe that they have the perfect home. It also proves that there is more to a home than the place or the structure. Here are the questions that most people admit to having had fun with in the past:

• Would you still chose to live in the same place where you currently live? If no, where would you look? Yes. We really enjoy the town, the privacy, and the space. 
• Would you build your house the same way that you bought it? No. There are certain things that we want to change and add. Nothing needs to be changed. All minor things that are easily adjusted. Also, there are some aspects of our home that, at the time of purchase, we didn’t realize we wanted.
• Would you live in the same place and/or buy the same house if you had unlimited funds at the time of purchase? Yes and no. Great value in our home but we might have made some modifications immediately after purchase.
• I guess the same thing applies to those that had their house built… would you build it the same way now that you have lived in it? N/A
• What would you change (what would you have changed at the time) if you had unlimited funds? N/A
• Change or rebuild? N/A

I am sure that many of you were thinking about your own responses as you read through the questions above. And for those with whom I have spoken that consider the place they live to be their home, there is nothing in their responses that have led then to regret their previous decision. The certainty waivers a bit when people consider the place they live to be their house. For me, this has actually been an interesting exercise that has proven our decision to be correct time and again… we found the perfect home for us even with its imperfections.

Funding Campaigns

Well, the time has come. While I have tried to avoid this for as long as possible, the time that it takes to maintain this blog and the resources that it requires (and the simple fact that I am running out of free ideas) that I start a fundraising campaign. I have also been asked about donating on a few occasions so this also provides the means for me to now accept those generous offers. Actually, because of the projects that I am working on, I am actually starting two fundraising campaigns through Patreon and Kickstarter respectively.

The Patreon campaign is ongoing and is designed to help with the recurring costs of maintaining this blog and raising the funds to take the blog to the next level. To this point, I have funded all research, travel, equipment, review products, and other expenses to maintain the daily stream of content. Obviously, this has come on a pretty tight budget and has hindered the growth of the blog which currently receives over 2,000 views per month. Patreon allows readers to donate monthly to the blog to support these efforts. Additional details about the campaign as well as incentives and ways the funds will be used can be found at https://www.patreon.com/SeanMT4D.

Understandably, not everyone is able to contribute on a monthly basis and many readers have specifically asked me about one topic in particular… genealogy. With those suggestions in mind I have started a Kickstarter campaign to raise $20,000 to really dig deep into my family tree. I admit that it is a lofty goal but it is also one that would allow me to expedite the process. The project is titled “Pruning The Family Tree: Questioning Facts and Fiction” and will result in a book most likely with the same title. Overall, the purpose of this project is not only to find those elusive answers but also to give shape and character to the lives of my ancestors and tell their stories, as eventful or uneventful as they may be, to the world. Additional details about this campaign, how the funds will be used (there is some overlap with the Patreon campaign), as well as the incentives for these onetime donations can be found at https://www.kickstarter.com/projects/1751333165/pruning-the-family-tree-questioning-facts-and-fict.

If you have the means to contribute I would greatly appreciate your support with one or both of these campaigns. If your finances do not allow for such an expense I completely understand. I never have and never will maintain this blog solely for profit and to change that now would be disingenuous. I appreciate all the support that I received in maintaining this blog and I will continue to provide you with the free content that you have come to expect. Thank you all for your support.

Firearms Friday: ‘Tis The Season For Deals

This time of year it seems that everything is on sale. While some deals are better than others, you are pretty much guaranteed to receive some kind of discount on whatever you order. And these sales are not just limited to the national retail chains or products with general consumer appeal, there are even deals to be had for those of us that enjoy the shooting sports. Having written about this before, in one form or another, you can basically consider this as the annual lock and load post.

As many of you have experienced, especially over the last few years, some retailers have better deals than others. While I won’t call out any websites or stores, we all know which ones to avoid. However, there are always great prices on a variety of items with some being sent to email subscribers, Facebook followers, and others exclusive to club members or existing customers. There are also great sites such as Slickguns that make it easy to find the prices that are just too low to pass up. Keep in mind that these sites usually don’t include local gun shop deals.

Over the past couple of months there have been a number of deals that caught my attention with the majority of them being discovered first in my email. Here are a few examples of the tempting products with retailer, item, and sale price included for reference:

• Palmetto State Armory (Daily Deal) - 7.62 x 39 Complete 7.5” Upper (with BCG and Charging Handle); $269.99

• Sportsman’s Guide (with Double Discount coupon) - S.W.T 30 Round AR15 Magazines: $5.59 - 30 Round Beretta 92 Magazines: $11.99

• Delta Team Tactical (Black Friday / Cyber Monday) - Crosshill Tech / Davidson Defense Right Side Charging AR15 Upper Receiver (with BCG): $239.99

• Damage Industries (50% off sale) - AR15 Short Barrel Muzzle Break and Sleeve: $34.95

• Amazon (Flash Sale) - Stack-On PDS 500 Drawer Safe: $31.99

Basically, anyone who is looking to build an AR has had a heck of a time and saved a lot of money recently. Some of these are more recent than others but not all of them were Black Friday / Cyber Monday prices and that is the most important point that I can make in this post. Sometimes the best prices are not during the holidays, they can really happen at any time. The key to finding a good deal is waiting (and getting to know your local shop owner) but sometimes, especially recently, the deals seem to just happen and if you’re paying attention, and didn’t spent too much somewhere else, you can take advantage of them.

Firearms Friday: Safe Hunting

Finding a safe can be a difficult and expensive proposition. While I currently own two safes that provide adequate security for my current needs they are by no means the best option for me. That and I don’t really have any room for the future. The need for a new safe is there but that presents a whole new set of questions…

• How big do I make it?
• What will fit through the door?
• What am I going to store in it besides firearms?
• What level of quality do I want?
• Where am I going to put it?
• How much do I spend?

And that is just a list of the initial questions before delving into the details. Once you start answering the questions above a whole new list of questions begin flooding the decision making process:

• What fire rating do I want?
• How thick do I want the steel?
• What kind of lock?
• If I get a bigger one, am I okay in having delivered in sections?
• Do I want sensors?
• Should I get a prefabricated interior?
• How many doors?
• How much should I spend on extras?

Again, this is just the initial list of questions following some relatively simple answers to the first set of specifications. The further you get into the process the more questions begin popping up and with every new answer there are a few more dollars added to the bottom line. The more you go through this process and really think about your current and future needs the more frustrated you get when looking at the safes ready for sale in stores. While the quality overall is pretty darn good pretty much across the board, you aren’t really going to get everything you want when you go with a mass produced model. Well, that is at least true for me.

The problem is that to really get what you want, there is a very steep price to be paid. At least that is what I thought when I was initially going through this process and I had nearly given up and conceded to an off the shelf model when I came across a company called the Sportsman Steel Safe Company. I can’t remember how I found the website but I am glad that I found it. So, with criteria in hand, I gave them a call and walked through the production, warranty, process, and pricing. In the end, for the same price as something off the floor from the local Cabela’s with half the features I wanted, I was able to custom build exactly what I wanted with a few other upgrades thrown in for far less than a retail ready model (it ends up being only a little less once delivery and install are factored in).

So, the safe is on order and now we have to wait a while for the production. In the meantime, I will make do with what I have and figure out how the current safes will continue their service once the new one arrives. I will definitely be writing about the whole process and the finished product in the future but so far so good.

A New Furniture Experience

The last time my wife and I bought new furniture was shortly after returning from Israel just before we moved into our apartment in Bala Cynwyd. At that time we didn’t have anything and the selecting was more about what was the best price rather than the quality of the items. In the end we were actually pretty lucky and we were able to find some decent quality pieces for clearance prices at JC Penney.

This time around, our decision to buy furniture was more of a luxury than anything. While many of the items that we already owned still had plenty of life left in them, we wanted to find pieced that we really liked and while we had a budget this time around as well, it was a completely different shopping experience. With a few ideas in mind we stopped at a couple of stores before we ended up at Raymour & Flanigan where we spent hours finding the furniture that would last us for many years and fill our new home.

That was also another driver in our decision to go furniture shopping. We were moving into a much larger place. Bigger than any other place that we have shared since we have been together. It wasn’t about a couple of pieced here and there like our last rental, we had to fill rooms. After all, we were going from a 3 bedroom townhouse where one of the bedrooms served as my wife’s office into a 5 bedroom home with two additional spaces we planned on using for our respective offices. We definitely had our work cut out for us.

What worked in our favor was the fact that we could easily divide our old bedroom furniture to fill two of the guestrooms and with our son taking one of the others and the last one being converted into a playroom with the old family room furniture, we were able to reuse the majority of the furniture we already had. What remained was the new family room, the master bedroom, the kitchen (just a table and chairs), and, after some convincing, my new office. It was a manageable list once we sat down and figured everything out.

We knew what we wanted to get. Well, we at least had a rough idea. And, budget in hand, we worked with one of the sales people at the Exton location and found all the pieces and filled all the rooms with the furniture that we wanted to see in our new home. After picking everything out and finding everything we needed our budget was looking to be in danger but after some friendly haggling we were able to fill our dream home with our dream furniture while staying on budget. It really was the final piece to finally finding our home!

So Long DSW!

Over the years, I have bought and replaced countless pairs of shoes. Many of those pairs were purchased at the crap shoot known as DSW where the prices are usually pretty good (at least in the clearance section) but the durability can sometimes be questionable. In reality, most of the shoes that have any kind of longevity for me have been ones that aren’t usually found on the discount or clearance shelves.

My most recent workhorses were a couple of pairs of Johnson & Murphy dress shoes which I surprisingly found on clearance at Macy’s for about $40 a pair. The brown shoes met their maker a few years ago while the black ones held on until just recently. In the past, I had a pair of Allen Edmonds loafers that put up with daily abuse for over four years before finally giving up on me… holes in the soles are never fun when you step in a puddle. These were also the most comfortable shoes that I have ever owned and I hoped to once again buy a pair but the price has always been prohibitive running about $400+.

With my work and lodge shoe choices dwindling and few stores carrying wide sizes, I spent some time a few weeks ago trying to find some decent shoes at a good price. After having a few options returned to Amazon due to foot strangulation issues, I decided to see if I could find any of the Allen Edmonds shoes on sale somewhere at a price that I could at least justify. My thought process was rather simple… I currently spend about $50-75 on a pair of shoes that last me a year so if I can find a pair of Allen Edmonds for $200-250 that last me four years (like my last pair), I am basically breaking even.

So I started my search scanning the numerous Amazon sellers, sifted through the Nordstrom Rack website, and quickly clicked on and backed out of Shoebuy. All of them had limited selection, prices that were still too high, and didn’t carry the right size for me. I had just about given up on trying to find this unicorn when I clicked on one more link to a website that I didn’t recognize. This is when I found the Shoe Bank, Allen Edmonds' factory seconds website. It didn’t take long before I came to the realization that the site met all the criteria that I was looking for including prices that were far lower than I was expecting… basically at the same price point as lesser quality brands found at DSW. And I am fine with a small blemish that prevented it from passing quality control but that no one else is able to find.

The only aspect of the buying process that may prevent some people from taking advantage of these prices is the fact that there is no e-commerce capabilities to be found on the site. While the current stock and prices are listed, you have to call the store to place an order. Not an issue for me, I was on the phone within 30 minutes and had the receipt emailed to me shortly thereafter. A week later and my feet are once again enjoying the comfort of a luxury shoe. And now, a few weeks later, and nearly all my shoes have been replaced with the only holdovers being my work and combat boots.   

So, if you find yourself in the same position, definitely take advantage of the prices and quality offered at the Shoe Bank. You will not find the same quality for these prices anywhere else and, if you go through shoes like me, it is going to save you a heck of a lot of money in the long run. One big category checked off the shredded wardrobe overhaul list… on to the next.

My Continuing Fascination With Watches

My daily watch... the Hamilton Khaki King Automatic.

Ever since I wrote the post a couple of weeks ago about some of the family timepieces that I have, I have been thinking about the strange (or not so strange) fascination that I have with watches. I guess it all started with the pocket watch that my dad handed down to me. I never gave much thought prior to that about the numbers strapped to my wrist but when I looked at the mechanical movement I couldn’t help but be mesmerized by the beauty, engineering, and design that keeps the world on schedule. Contrary to what the Emcee tells you, it is time that makes the world go round.

As I said before, I wear a Hamilton Khaki King Automatic every day. I have never had to worry about the battery dying and it keeps great time only requiring a slight adjustment every couple of months. The only thing that I have had to do over the last near decade is replace the leather band a couple of times. That was definitely not the case before I started my Hamilton as I usually ended up buying a new watch almost every year with the exception of a couple Swiss Army watches that lasted two years.

However, lately I have been thinking about changing things up a bit. There are a lot of different watches on the market which have Swiss automatic movements and many of them can be found at a reasonable price. Of course, there are others that are priced much higher. So I have started looking around at comparable watches on the market to my current timepiece. As a starting point, my current Hamilton is toward the lower range when considering the Swiss automatic watch market. However, there are a number of companies producing the same and sometimes slightly better quality than Hamilton while remaining in the same neighborhood price wise.

So far, Oris, Frederique Constant, Gevril, Tissot, and lightly used Raymond Weil watches seem to be the best options. The offer watches at roughly the same price point but can better accompany more formal attire. Obviously they all house Swiss automatic movements (most of which are mass produced by Swatch) and they all come with leather bands (steel bands for a few dollars more). It is a bigger decision than one would think as these watches are made to last a lifetime and I plan on keeping them just as long. But, in the end, they all hold their value so if you catch them at the right time or pick on up with some light wear you can probably get your money back in the future is needed.

I have never been a proponent of spending a lot of money on a watch like a Tag Heuer, Omega, Breitling, Rolex, and Cartier or on the truly luxury brands like Jaeger-LeCoultre, Patek Philippe, and A. Lange & Söhne. Unless you have the means to do so, these time pieces don’t make much sense to me. After all, these are still utilitarian items in addition to being works of art and amazing pieces of classical engineering. After all, this is one of the best accessories that a man can have regardless of the budget within which they are looking. But, for now, I will keep enjoying my stalwart automatic while the search continues for the right watch.

House Hunting Update

Since my wife and I first started looking at houses (both online and in person) we have seen all different kinds of properties. Actually, maybe not all different kinds but a diverse range of quality, various prices (all within our pre-qualified range), and built at different times. It has been an experience and an education throughout. While there are a few things that now have on our checklist when walking through a property, I will say that this process has been a heck of a lot easier having a great realtor working for us (who just so happens to also be a brother).   

I guess the first thing that has been driven home again and again for us is that price doesn’t mean quality. Some of the houses that we walked through which were at the top of our range had some great features but there were a number of things that left a lot to be desired. At the same time, those houses well below our max budget may not have had some of the fantastic features but they were generally solid all around. So far all a higher price has meant is that the highlights will be there but they will also accentuate the shortfalls.

In many of those instances with the higher priced homes the biggest issue was found in the basement. This is why you must always look in the basement and study the walls of the foundation and the structure surrounding you in all six directions. There were a few houses that we considered putting offers in after having walked through the house but that thought quickly evaporated once we saw the large cracks and chunks missing from the foundation walls (and these houses were only 10-15 years old).

It just goes to show that you have to always look beyond the façade. Not considering the basic structure and foundation of the house but also looking past unfortunate paint selections and minor things that can be fixed within a couple hours over the weekend. While the former will prevent you from making the mistake of buying, the latter may prevent you from making the mistake of walking away.

However, the most important thing that we are constantly reminding ourselves during this long process is that just because it is a nice property doesn’t mean it is the right house for us. We have seen many properties both physically and virtually that would be great fits for people we know but they would never be something that we could call home. It is a long process that requires patience and persistence. And, in the end, I keep saying to myself that right now these are just houses. When we find the right one and move in then it will be a home.

Two Years Since The Night Was My Day

While there certainly have been a lot of changes that have happened over the past year, both good and bad, the difference between our lives two years ago versus what it is now is even more staggering. In addition to moving to a new place, two years ago I was still working the night shift at our old apartment building. It was about this time in 2013 when I handed in my two week notice and prepared for the long days ahead working two jobs during this important transition. The next day, October 2, 2013, I started with my current employer and haven’t looked back since.

Not only was this a moment that restarted my career, it was a time that marked the end of what was a rather difficult period for me and my wife as we had spent the previous year and a half just trying to get by as we both worked for an hourly wage while trying to find the time to spend together. We had to just put our heads down and work trying to get enough money to pay bills and cover living expenses. Of course, with our finances so tight it also meant that we accrued some debt (to put it lightly). Things began to change once I rejoined the daytime workforce.

The past two years at my new company have been tremendous. While my initial thought heading into the job was that it was going to be a great place to work and advance my career, I really had no idea what to expect or whether I would be able to shake off the rust and get my career moving again. It was a bit of a challenge the first few days but I was surprisingly able to get things moving again rather quickly. And it was a good thing as those first few months getting the company up and running was both trying and rewarding at the same time. By the end of the first six months I was starting to feel completely comfortable once again and just in time for my review and promotion.

Since then it has been both a lot of work and also tremendously rewarding to watch the company grow. Some things happen for a reason and being out of the industry so long is now paying dividends in my being able to work where I do. It has been a great relief to have a career again that I enjoy and working for a company that sees all of us as a family rather than just a name on an account. I am looking forward to the next year, two years, and decades after that.

Still Looking

Lately our weekends have been filled (at least half of each weekend) with our search to find a home. Our weeks have also been packed with numerous searches on various real estate websites trying to find that perfect place. We have also been looking to find properties that have the potential to be exactly what we want (at a lower price point of course). It has been, and continues to be, a long process.

While we have our list of things that we want in a home, we also have a strict budget. One that we determined not just by how much we want to spend but also how much we have been prequalified for by the bank. Fortunately, this part went relatively smoothly as both numbers ended up being about the same with the slightly higher figure coming from the lenders. It is nice to know what we actually have to work with when we look at properties rather than running the possibility of seeing something we like and wondering if we can get approved.

What we have also been running into here and there is the fact that we are getting toward the end of the real estate season so there isn’t as many listings and sometimes when we have expressed an interest in taking a closer look there is already an agreement in place. On the one hand it says a lot about the areas in which we are looking but on the other it is, at the very least, cause for the occasional moments of frustration. We can’t really do anything about it besides look at the others that are available and hope that we find what we are looking for.

However, we have introduced slight adjustments to our criteria which have opened up a number of other options. You never know what you might find that falls just shy of some of the things on our wish list (this is most notably found in the size of the property). On the other hand, one thing that we haven’t adjusted and will not adjust is the commute time for my wife. I guess the same can be said for everyone’s search to find a home… you have flexibility in some areas and you have to hold firm in others.

Overall, this is whole process is both exciting and frightening. We are both looking forward to owning our own place and finding our home but I am terrified of two very simple things. The first being the fact that we would be taking on around $200,000 of debt. Enough said about that one. The other is just part of my nature… if we agree on a deal and purchase a house, is there a better one out there, is there another place about to come on the market that would be a better fit for us. I guess we will have to just wait and see what we find but, for the most part, these are two things that I am eventually just going to have to accept and be happy with what we have. From beginning to end and afterward, it is not going to be easy.

My Solution For Disappearing Pens

A few weeks ago I got a package left on my desk at the office. Just like every other item that I have delivered to me at work, someone inevitably asked what I had ordered. This is especially true when the items arrive from overseas and most of the writing on the envelope, with the exception of the address, is in another language. However, this time, when I responded to the query I received a somewhat blank stare followed by another question of “what is that?”

For much of my working life, I would do to the supply area and pull out a pen or two to keep at my desk… not everything is done on the computer contrary to what some people may say or the younger generation thinks. This has pretty much been a weekly routine as I would either run out of ink or, what was more common, I would leave it in the conference room where someone would inevitably pick it up and bring it back to their own office. These are just disposable pens so it was no big deal to just go get another one from the supply drawer.

However, I have always been one that enjoyed a good pen while at the same time, I don’t want to spend a lot of money on something that I could easily lose. Those aforementioned packages contained something to solve a large part of my problem of going through so many writing instruments (while also saving my hand). What I found out in those simple questions from a younger colleague was that many people are unfamiliar with fountain pens.

I have always been a proponent of fountain pens as I can write almost all day without my hand getting tired and it is easy to replace the ink cartridge in something that I have become used to. What I am finding now is that if I do leave it somewhere, it is brought right back to me. Some of those returns are because people are unfamiliar or uncomfortable using them. It is actually quite amusing when you see someone use a fountain pen for the first time… it is almost like they are learning to write for the first time.

It is a unique pen to carry these days but, for me, it is completely functional as my hands are no longer sore after a long day of taking notes or writing and I know that it will always come back to me should I leave it on the conference room table. And, frankly, I am rather surprised with the quality that I received in these shipments from China given that I spent about two or three dollars (including shipping) on each pen (under a dollar for the disposable ones)… especially when you consider that the prices for the ballpoint and rollerball pens of similar quality are about five times higher. It is nice to enjoy the practicality of the fountain pen even though many may wrongly believe that it is an absurdly outdated writing instrument.