Breadmakers, does this sound right to you?
10 years ago
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Construction loan...does this sound right?
Comments (7)I'm no expert but based on the fact that mortgage rates are currently at near historic lows and the government is pumping billions of dollars of new money into the economy (all those stimulus package bailouts), I think we're going to start seeing inflation VERY soon - double digit inflation in fact. If so, mortgage loan rates will rise with inflation. My personal suspicion is that your banker also foresees inflation coming and he doesn't want you to lock in today's low rates by getting a one-time close loan because such loans are very tough on the lenders. Your banker may look for the "best rate" available for you when your construction is done, but I strongly suspect that "best rate" won't be nearly as good as what you can lock in right now with a one-time close. Keep in mind that your loan is a business transaction for the bank. The bank wants to make money off of it and your banker has the bank's best interests at heart, not yours. As for possible over-runs in costs, if you're doing a "fixed price build", the only cost over-runs should be from "change orders" and I highly recommend paying for any and all change orders "out of pocket." That is one sure-fired way to keep yourself from going overboard on changes. LOL!...See MoreHood venting and sink frustration - does this sound right?
Comments (17)You guys are fabulous - I got so stuck into the thinking that it had to be in the wall, I missed these other venting options. I just realized there is a very good chance that the wall ends up being one that goes up right though the master bedroom closet wall on the second story. That's a possibility! But then it's scary cutting the roof to ensure no leaks! Our new cabinets will be staggered with most of it going to the ceiling. It could potentially be worked around behind moulding - it would just have to go through the hutch somehow and the mullion doors may complicate it, but I am leaning toward custom since their prices are coming in exactly the same as semi-custom, and that could then be built in somehow - any idea how to hide the ducting through the hutch? Here is the plan from the bid that comes the closest to what I am envisioning:...See MoreT-giving meal costs: Does this sound right to you guys?
Comments (32)AM, there was an episode of Trading Spouses or some such foolishness on year or two ago that made me thing of several of you. DH ran into the house with "OMG, OMG, we HAVE to watch this!" We haven't watched TV in years; the only reason we had one was to watch movies. But he insisted we HAD to watch this show. They sent a woman from near where we lived (whose something like third cousin worked with DH) to just outside Boston and they sent the Boston mans wife to BFE Kentucky. Did I forget to mention the Boston family kept Kosher? We weren't five minutes into this show and I was already muttering "She's going to STARVE TO DEATH! There is NO kosher food in KY! I know. I've looked!" Sure enough, the poor woman ended up having to order food from some 800 number and have it FedExed to her. Meanwhile the woman sent to Bsoton made me want to crawl under a rock. I think that's when we made up our minds that we had to move. BTW, I am thoroughly enjoying your blog. OK, Sales. I've got Wal-Mart, Smiths, Raleys and Scolaris nearby. Of course Wal-mart will be cheapest. Fortunately, I don't have a flyer from them, so I can completely ignore that they exist. Raley's is in the middle, so I'll use theirs. Turkey .97 lb (Chase, how many do you want? Think I can get them through an airport?) Free Range ASH-free - $1.99 lb 12 ok dinner rolls - 2.49 Yams - 1.49 lb Russets - 2 lbs/$1.00 Frozen peas - 16 oz $1.39 Cranberries - 2.49 per bag (what's with THAT!) House brand butter - $2 per pound Pumpkin pie - 4.99 Hmmm... in the bakery there's a Cranberry Apple with Pine Nuts stuffig mix for 4.99. That actually sounds pretty good....See MoreCrystal Encore cabinet pricing - does this sound right?
Comments (4)We recently installed crystal. ... A mix of Keyline and their normal lines. They allow you to mix and match, which brings down the cost. We have inset painted maple with a cherry island. The layout is very similar in size to yours (longer in the other dimension) but without the fridge wall and only one row of cabinets on the island. Your uppers are also taller. Total cost without install was 40% less, in NorCal. This includes all upgraded finish details like crowns and valance bottoms, legs, rollouts, soft close, wood boxes, etc. This was before the 2013 price increase and the expiration of the sales promotions, which all occurred in January. I know this, as we are now sizing out cabinetry for our Family Room. All in all, you are in the neighborhood, I would say. My sense of the pricey items in the line.... * Unusual shapes and sizes * Wainscoat, Panels, Legs and Feet * Extra depth * Certain door styles. * Glazes on paint add up. This post was edited by gooster on Wed, Apr 24, 13 at 20:14...See More- 10 years ago
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