Mortgage Monday: Time To Keep It Simple

With all of the work being done on the house lately things have been rather complicated. So far, nothing has been as simple as it should be. Everything on our project list has had a few subsections added to it with the floors and the exterior doors being prime examples of this ongoing process. However, in the end, many of these things, all of these complications, are going to give us what we have been picturing in our minds as our ideal home. Further, many of the things that have been uncovered and a couple of the future projects have and will remove some of the complicated aspects of our home.

The best examples of this are the HVAC overhaul currently underway and the electrical overhaul that we have on the schedule. The old oil and electric system required a heck of a lot of copper pipe running across the basement and up the walls to supply the baseboard heating. The air conditioning, being an afterthought of the original homeowners, was something that was put in as inexpensively as possible leaving us with duct work running through bedroom closets and really not being very efficient. The boiler, oil tank, and all of the copper pipes are now gone, the duct work has been overhauled, and we have now simplified the two zone (the heating was originally on four zones) system running forced air for both heating and cooling.

This project is nearing completion but the electrical work has yet to be started. While a few steps have been taken to simplify this (i.e. old whole house fan has been removed) there is still a lot of work to be done with new matching fixtures being installed and a lot, and I mean a lot, of outlets and switches that are going to be removed (with a few simply being moved). This will eliminate the need for a lot of the wiring that is running throughout the house and will put things (or leave things) in place that actually make sense (i.e. I don’t need three separate switches for the kitchen lights).

It is definitely a process but, as I said before, it will simplify some of the basic aspects of our house. After all, I don’t like having excess pipes and wires running through the walls when they don’t need to be there. After that it should be much easier to maintain. So, we will have to deal with a little more complication before we can reach a point of simplicity. Well, at least until the next round of renovations and projects.

Mortgage Monday: HVAC Overhaul

Well, we are halfway there. While the work weeks were once filled with ongoing renovations, now the weekends are taking the brunt of the workload. Thankfully, as of this past weekend, half of the HVAC overhaul has been completed with the first floor now able to better maintain the temperature that we set on the thermostat. The old unit is still running (surprisingly) but is now only trying to cool the second floor. Now we only have to hope that it lasts until the rest of the work is done.

In total, the boiler and oil tank have been removed, half of the baseboard units have been pulled out, and the propane tank, hot water heater, and complete AC system on the first floor have been installed. It is already a lot of work and we are only at the midpoint of this renovation phase. While it is difficult to go from the work week to the house work on the weekends, we are already enjoying the benefits of what has been completed.

It really is surprising how much of a different some of these things can make regarding the simple enjoyment of our home. And, lately, with how up and down the weather has been it is nice to have some regularity regarding the internal temperature of the house. We knew that the old system was undersized and ineffective but we didn’t really full grasp how bad it was until we got the new system up and running.

The next steps will involve attacking the second floor and completely taking the old unit offline. The weather actually looks like it is going to cooperate this coming weekend but, of course, our schedule is not so forgiving and we will be out of town for much of the long weekend. Thankfully, we have someone whom we can trust doing this work and we also know the quality of work that is being done which will allow us to not have to think about the house while we are away… more on the trip over the weekend.

For now, we are going to enjoy all the upgrades and improvements that we have decided to have done to the house and we are going to brace for the next part of the process which will descend upon us next month. While there should be little overlap between this current project and the next, there is likely to be a short period of time when there will be work going on seven days a week. Thankfully, it two completely different parts of the house. Should be fun!

Mortgage Monday: We Have Gas!

When my wife and I purchased our home we were well aware of the shortcomings of the heating and air conditioning. We also knew that the house ran on a combination of electricity and oil. We were reminded of this throughout the winter each time to boiler switched on and shoot the floor beneath our feet. Being that the house has an always on boiler providing not just the heat coursing through the baseboard elements but also supplying all of our hot water, we were well aware of the fact that it would be a massive undertaking to overhaul these essentials.

After conferring with family and confirming with a few other professionals, the decision was made to switch to propane gas. It was a bit of a shock to hear the total estimate for these projects but, knowing how much we spent on oil the previous year alone, it was clear that this would be a worthwhile investment and something that would solve a multitude of current and future problems. Besides, there was always an outside chance that the antiquated systems would fail sooner rather than later given their condition.

So, with these plans in our minds, I made the calls around to a variety of gas companies in the area, received quotes from them all, and decided on one that simply made the most sense. After a slight delay, they were finally able to make it to the house to install the tank. I actually forgot to mention the logistics of the project which entailed digging a giant hole and installing a sixteen foot, one thousand pound, propane tank… and running the underground gas line to the house. Seems pretty straightforward until you factor in the kind of soil that they had to deal with today.

I warned the sales person who did the estimate a couple of weeks ago that there wasn’t much top soil but it seems as though the message may not have been passed along. About twelve to eighteen inches down and the crew got a nasty surprise… bedrock. Needless to say it was an all-day project but they got it done and they seemed to take a few extra steps to make sure that everything was done right. Even the owner of Great Valley Propane took the time to review everything and discuss what had been done and what he was seeing with my wife. And now I can say with a completely straight face… we have gas!

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: New Noises

THAT. WOULD. SUUUUCK!

Each place you live has its own set of noises that you have to get used to over time. When my wife and I were in Metuchen it was the sound of our neighbor’s alarm clock that he never turned off in the morning before heading out. In Bala Cynwyd, it was the sound of cars driving through the parking lot on the other side of our ground floor window. In Chester Springs, it was the constant flow of traffic, the heavy feet of the neighbors to the right of us, and the DIY obsessions of the neighbor on the other side.

Now, in our new home, the sounds are much simpler. We are not on a busy street and even when the occasional car or buggy drives by we can’t hear it through the windows are we sit back from and above the road. The neighbors are on the other side of the trees and while we can see the houses between the barren branches, we rarely see our neighbors and have yet to hear any noises. The sounds that we hear late at night are the small things like the boiler turning on or the heat makings its way through the pipes.

When we step outside there is a bit of white noise in the distance from the highways but that was something that only took a couple of days before we didn’t notice it. Now all we hear is the wind rustling the last of the stubborn leaves on the trees, the occasional deer walking through the woods, and recently, the misting rain as it collects on the roof and drips into the gutters. These are the most common sounds that we hear which are relaxing rather than annoying.

However, there are occasions when we hear other noises. While we can’t hear it from inside, there is a rooster a few doors down that really enjoys upholding the cliché associated with mornings. And, being where we are in relation to more densely populated areas, there have been a couple of weekends when we knew that someone had just bought a fresh batch of ammunition the day before. But, again, while bothersome to some, these sounds, especially given their rarity, don’t bother me.

The noises that we dealt with in the past were annoying then and they still bother me now. These new sounds are sometimes relaxing and other times we don’t even notice them. They are a part of our life in our new home and I guess that simple fact, that we either like or are indifferent to them, reinforces the fact that we made the right decision and truly found our home among the houses.

Why Am I So Tired?

After a longer than expected evening at the lodge (for good reason), I headed back to the apartment only to find that the fire department was using the front driveway of the building as a parking lot. It’s kind of sad, but this happens so often that I didn’t think much of it as I walked across the parking lot and opened the door. However, as soon as I put down my work bag I knew that it was going to be one of those nights. Within moments of walking through the kitchen and pulling the strap off my shoulder, the fire alarm began blaring.

Both from living in the building and working the front desk, I knew that this wasn’t going to go away quickly so I headed to the lobby to try and get some additional information on the situation. Can’t say that I was surprised when no one really knew what was going on at first and the president of the board refused to do anything beyond sitting in a chair and holding out her hand so the passersby could more easily kiss the ring. 45 minutes later and a couple of culprits emerged, neither of which involved smoke or fire.

As it turns out there was a faulty sensor in the pump room and some dust also got into the detector in one of the hallways 6 months finally getting drywall replaced 6-8 months after the bust pipe. With my wife only a few minutes away after her long day at work, I was glad that things seemed to be getting resolved. I really should know better!

Having not had time to eat before the debacle, I made a small snack as we talked about all that had happened during our days and the mess that was unfolding in the building. We got into bed around 11:00 and began slowly settling into sleep since we both had a long day ahead of us. With our eyes nearly sealed for the night, we jumped out of bed at 11:30 when the alarm began blaring again. Keep in mind that this was not for the whole building, just our apartment as they were testing the system.

We walked up to the front desk, quite perturbed by this point, and tried to figure out what was going on especially since the fire department was no longer present. Turns out that the fire department forced them to turn off the boiler until they could get the sensor problem figured out. They decided to continue working on the sensor issue so that they could turn on the hot water by morning.

I didn’t sleep well during the night. I would later find out that the alarm continued to go off throughout the night just long enough to wake us up but not long enough for us to realize what was forcing us to open our eyes. However, I was wide awake when the cold water hit my head in the morning. So, after little quality sleep during the night it was a cold shower in the morning. Just the latest thing to add to the list and that much more incentive to find somewhere else to live by the time our lease is up… I’m already looking forward to spring!