Guilt and loneliness in home building process
M R
4 years ago
last modified: 4 years ago
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Comments (18)Hi Jessica and Anne, Funny, my DH wanted to clad it in wood, too. But I don't want to hide that it's a file cabinet, i want it to look like a nicer, maybe vintage file cabinet. That said, we do have some scraps left over from our wide plank floors, and I am thinking that it would be nice to use as a top for the cabinet, to bring a wood tone to that side of the room. Great minds think alike! We bought paint to match the trim and bookcases, and plan to paint it. I really wanted to use skeleton keys with a backplate, but Anthropologie no longer sells them! (see below). I used them on some of kitchen cabs and I think theyd have looked great here, but c'est la vie. I like the ones you linked too, but the opening is 5 1/2". so I can't use those. I ordered the ones linked below, hopefully they will work! I got them in a dark bronze finish, to echo the anthropologie hardware on the bookcases (http://www.anthropologie.com/anthro/product/shopsale-decorative/A22665178.jsp Oooh, i love that chair. But mine is a leather high back swivel with goose neck arms ... not sure I can give up the comfort for that style... sigh Thanks, SueB, Deedee, Pork and Kitchen! Here is a link that might be useful: in bronze.....See MoreInvesting in a small home as your "forever home"
Comments (24)Your house is lovely in a charming, old-fashioned type of way that appeals to many of us. I'm stealing a phrase from someone else (can't remember whom), but your house says "Ahhh" rather than "Wow!" That's exactly the feel I want from my house. I do not think you should feel pressure to move up to a bigger, more expensive house . . . just because you can /will be able to in the future. We are building a house that's much smaller than we could afford to build, and we're planning to fill it with luxury items . . . in moderation. I think you should proceed with caution because none of us knows what may happen in the coming years, and what you today call a "forever home" may NEED to be sold for any number of reasons: A work move, surprise twins or the need to take in a family member's child, a freeway coming through. None of us ever think these things will happen to us -- until they happen to us. We have to be realistic. I'd say go ahead and improve your small house with lovely things that will please you and enhance your life, but do keep it period appropriate, and don't over-do excessively for the neighborhood....See MoreThink you are building equity...HA! Think again!
Comments (31)Just to clarify: The entire value for your land, let alone your house, is what someone will pay for it. For insurance valuation you can look at replacement cost because it's about what you've lost that you can buy again at a store. As soon as you start using your stuff its individual market value (that is, what you could sell it on Craig's List for) goes down. That's why insurance for replacement value costs so much more than insurance for real value. The concept, if you sue someone for destroying your stuff, is to make you whole for what it's worth at the time it's destroyed. You might be able to argue that the durability of granite is such that it doesn't depreciate, but your appliances sure do! That's why people want to be insured to be able to replace what they lost as if it were new. No one wants to replace a fridge that was new out of the box two years ago with a two year old one on Craig's List that's been in someone else's house holding someone else's food, even though, technically, you already used up the first two years' worth of of value, and only lost a two year old, used fridge. For security against your loan, you're looking at market sale value only. The appraisal is what someone who really understands the market thinks you can reasonably get for it. It's more art than science, and the only way to know for sure is to actually sell. Since, of course, you don't want to sell, the trick might be to find an independent appraiser who thinks that your opinion about jalousies being not charming matches that of potential buyers for your house, and that seeing that they're gone will induce them to pay more for your place. The disintegrating and dangerous stuff you mentioned doesn't necessarily mean someone will pay more for the exact same house with those things fixed. It may be that there's a higher demand for a fixer "that we can put our own personalities into" than a place that's been fixed up already. Maybe there are 10 houses on the market with similar lots, houses, etc., 2 like your was, 5 with less destruction, but still ugly old tiles and jalousies, and 3 like yours improved with nice windows and no maintenance issues. If the ones like yours are priced at 20-30% more, do the buyers just choose the 5 in the middle? Do they actually pay less for the two at the bottom? Or does it turn out that they all sell for within $5K of each other? That's what the appraisers check. One of the two at the bottom might be at the top of that range, too, because it has a really cool tree, and one of the best three might go for the least because no one likes the granite in the kitchen. And that's how they get an average price for what your house is worth based on everything remotely like it, not just the ones that have had the maintenance and upgrades. Why do they sell the loans that way? So you'll buy them!!! They're into it for making money off of you, not to do you a favor. Banks are remarkably cold blooded institutions, and credit unions only seem nicer. Underneath they're just as cold blooded....See MoreSticky situation and ethical question regarding custom build.
Comments (104)@taconichills.... I have not been shy about speaking up. I fully relate and have dealt with problems which necessitated jackhammering concrete, redoing tile, ripping up crooked sub-flooring etc. My list could go on. And I certainly don’t think it’s wrong to insist on the proper installation of things and a quality build. I’m just tired. For the record, some of the subs may be sloppy, unskilled and not exactly sticklers for quality, but most of them have worked extremely hard and some have worked well into the night in almost complete darkness. Laziness has, for the most part not been one of the problems I’ve dealt with. Lackadaisical attitude towards quality - yes. Laziness - no. I’m not a drinker, but I might just start :)...See MoreKate E
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