Beginning year 4 as a homeowner

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washman

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Figured I'd give an update of goings on in my abode starting with year 4.

 

For starters, I am throwing all extra $$$ to the principle of the mortgage so I can hopefully pay this off sooner than the 30 year maturity note.

By and large, doing ok here.  I can say I enjoy home ownership. I like fiddling in the yard, trimming the weeds, mowing, cursing moles, chasing rabbits out and tossing Milorganite around. The yard will be an ongoing process, I'm trying to mix rye and Tall Fescue to overseed but it has been a challenge getting the fescue to actually grow. I will see if there is a local ag agency that can test the soil so I can see what it needs. Milorganite is a safe bet, but when I look close at the soil, I can plainly see it is lacking nitrogen. It was crap dirty to begin with and I won't rip it all up and start over but rather try to build up what I have.  MIght consider a tri-axle of screen topsoil this year in the late fall to spread around. Not sure on that one yet.

 

Utility bills are manageable so far.

Starting with the gas, the highest I paid last winter was $92 and that is 100 per cent reflective of heat only, everything else here is electric. 

Electric is about 20 per cent higher than when I lived in the condo due mainly to the electric water heater.  Still, I am averaging $60/month on the average pay plan with First Energy

Water is same more or less as the condo, perhaps a tad more because I have the hose bib in the garage that gets used to wash down the mower and put a brief bit of water on dry spots on the yard.  Same water utility.

Sewer is same, $108 every 90 days. No change there.

 

<span style="text-decoration: underline;">Appliance use/reliablility</span>

Washer and dryer, Speed Queen, 'nuff said. I brought them over from the condo

 

Fridge, is a contractor grade Lowes sourced Frigidaire that I simply do no like.  Yes, it keeps the food fresh but it is impossible to hit the 37/0 temp split.  It has wire shelves  and it is a noisy beast when running. Also on the defrost cycle, it gets warm enough in the freezer to make my Klondike bars get soft and gooey.  Yuk.  When it gives up the ghost, I probably won't replace it with another Frigidaire unit.

 

Range is Whirlpool and a smooth glass top. The oven is sloooow I learned to set the temp about 25 degrees higher than desired temp then wait another 5 minutes after the temp signal beeps then turn it down to desired temp. Not impressed here.  Cooktop heats up nicely, keeps a pretty decent even temp when boiling but the glass is a pain in the ass to clean. Anything that gets stuck on regardless of the chemical makeup needs the Affresh cleaner. If I don't spill anything, I can get by with plain glass cleaner, Spray-away is what I use. 

Other than that it is reliable and the cleaning feature on the oven is tops. NOthing, I mean nothing is left behind. Just plan on heating up the place about 10 degrees or so when running it.

 

Dishwasher is a contractor grade Lowes sourced Frigidaire.   This has been a pleasant surprise. While it is a noisy thing, when I use the Cascade 16X pods, it cleans very well indeed.  The filter is self cleaning but has a removable glass trap.  Drying on the other hand is abysmal at best, even with jet Dry.  I learned to run it at night and let it sit all night and by the AM, most of the stuff will be dry.  No functionality problems here either. I probably won't invest 10 cents to fix anything when it breaks and if it manages to hold up for 5 or more years, I may well replace it with a similar model from Frigidaire.


Goodman furnace.  No problems here. It simply does the job and not once did I feel it was undersized or working too hard to keep me warm this winter.  I kept it on 68-69 during the day and 63 at night.  It is 96 per cent efficient but I shudder to think at the cost of replacing any of the innards when they go bad.  Until then I will enjoy the warmth it gives.  The HVAC contractor installed the Aprilaire 413 filter rack; they are indeed expensive but since I have banished my tobaccuh habit to the garage, they last a LOT longer than when I puffed away inside.



Goodman 2 ton 13 SEER outdoor unit. No issues here either. I was expecting the start/run cap to give up the ghost as that is a weakness in units these days as they are sourced from China.  But the compressor or fan does not labor on startup, even on the hottest days. I had a chap come over and put gauges on it to make sure all was copasetic and the suprheat and subcool were spot on.  No issues with the Broad Ocean sourced fan motor, those are easy to replace. I did look up my model on line and surprisingly, it has sealed ball bearings. It has no bells or whistles, it does not communicate with anything except the f8n thermostat. No bluetooth or any other stuff.  Pretty straightforward. It runs a fixed .057 flowrator device in lieu of a TXV. When it kicks on, it has to displace the hot air from the attic area but within 3-4 minutes, give or take, cool dry air flows out.


 

Next is the water heater, a union made Bradford White. No issues here either and I drain it each fall

It is a 50 gal unit ( I have 2 full bathrooms) and so far, I have not run out of hot water no matter what I do laundry or bathing wise.  No drama here.

 

The plumbing fixtures are a mix of Delta, Price Pfister, and Peerless in that order in the master bath, kitchen, and 2nd bathroom. No problems here but the hot handle in the 2nd bath squeaks when I turn it off. No biggie, it doesn't leak so it does not bother me.

 

The Nutone fans are a five star joke.  While rated at 100 CFM I think it is more like 50 CFM. And they are both noisy as hell.  The model is 8663RP, sourced from Home Depot.  In my first year here, I had one crap out. An email to Nutone and voila, a replacement was on the way.  And they told me toss the old power unit as they did not want it back. I cannot run plain jane Edison bulbs in there, even a 60W as they get so effing hot, they pop. So I had to resort to the CFL route, at least those don't blow up from the heat like the others did.  I would not recommend this model to anyone unless they like noise.

 

Carpet in the bedrooms is holding up but suffice it to say in my bedroom, it is already showing signs of compaction and it is getting harder and harder to restore the nap when I vac the place.


The Simonton windows are holding up nicely; the fiberglass screens otoh are not doing so well. Apparently a sparrow can fly into one and break it which is exactly what happened one fine spring day. Thankfully we have a new ACE store that does screen repair and I will be down there soon and have it replaced with friggin aluminum for crying out loud.



Finally the Project Source toilets well.......................ahem, if you do #1 they work. If you do #2, plan on 2-3 flushes to remove the skid marks.  Otherwise you'll notice the odor very quickly.  Just goes to show that 1.28 gallons simply is not enough to send a US size duke down the drain.  And forget about using Charmin duke paper.  While it is soft and squeezable, it does not dissolve quickly enough. In fact, it tends to bunch up in a compact ball when flushed and it seems to want to fight the duke for who gets down the trap first.  Often Korky the plunger is called to duty. Those are great plungers by the way.  Unfortunately, he sees more use than I think he should.  So when these porcelain abominations crap out (pardon the pun) I am getting something else. Even if I have to go black market and find a water guzzler!


 

No drain or plumbing or electrical problems other than my first year here we had a nasty power surge that baked 3 of my AFCI breakers that I had to replace to the tune of $38 a piece!  Other than that, nothing.  The breaker panel is a copper bus Siemens/Murray and I have lots of empty spaces if I need to add more breakers.


Finally one carp is the tamper resistant outlets. Run a 2 prong electrical device no issues, try a 3 pronger and good luck trying to get that bastard plug to go into the outlet. I got so pissed off I yanked one that was in the garage and ran to HD and got a US made run of the mill Leviton unit so I could plug my bench grinder in without having to resort to war.  I don't know if it is code here or not, but screw it, when they conk out or I get jacked at one for refusing to take a 3 prong plug, I'll replace the SOB with a plain jane unit.  I'd like to think after 5 decades of living on this rock I know better than to my finger or metal objects in there.......................yeesh.
 
Two Things

Not all low flow toilets are created equal.  We had an American Standard chair height "Clean Cadet" elongated model for several years at our old house.   Even with a 1.28 GPF rating, it never clogged once.  It got even better when the original Fluidmaster flapper developed blisters and started to leak.  I couldn't find the FM replacement, so went with an adjustable Korky.  Much better (aka longer) flushing action and no need to hold the lever down -- ever.

 

The new house had a couple of round bowl toilets that were fairly new, but weren't chair height.  I replaced both with elongated AS Clean Cadets and bought Korky flappers for both.  Same flush action as the one at the old place.  They'll take anything you can drop into them and do it with a single flush -- no lever holding required.

 

I discovered the weird outlet issue here at the new place.  The plumber needed to unplug the irrigation timer in order to use a power tool and he couldn't get the timer to plug back in when he was done.  I gave it a quick try and had no luck.  I came back to it later and found that if you come in at a steep angle with the twin prongs and then swing it downward, the third prong will go right in along with the other two.  Still a dumb design, though.
 
Yes those funky outlets. I have all new power outlets in the condo kitchen and was having the same problems trying to plug something in. My solution was to plug in a triple socket grounded adaptor. No more problems plugging things in. Just leave the adapter in place all the time.

Jon
 
<blockquote>
Why are you using an electric water heater if you have gas for the furnace? if I read that right.

 

</blockquote>
because that is what the contractor installed when the house was constructecd
 
<span style="font-size: 14pt; color: #008000;">I have to say that the opening for this thread is very impressive. It would take me an entire day to type something that long and that's using 2 fingers and both thumbs.</span>

 

<span style="font-size: 14pt; color: #008000;">Moving into your own home is very exciting when you're young (meaning not real old), and accelerating the payment schedule makes good sense for those that can afford to do it. But I will say this, that even when you are old like me and are able to pay cash for your next home it seems you never really "own" it...it continues to own you. I live in an area full of braggers that love to grand stand about their worth, their homes being the major share of their fortune. They don't seem to realize that unless they sell it or re-mortgage it (which is a loan that has to be repaid) their house is actually a liability. They're expensive things to keep. </span>
 
Ben

I’m so happy to hear that you are paying extra on the principal every month. If we hadn’t the foresight to do this and pay our home off early, we wouldn’t even be able to live in our home county anymore. It would take the majority of our net income just for housing. You were very smart to buy when you did. This home will be your financial security when you are finally able to retire.

And I agree with Ralph about the Korky Flush valves, they are really very good. I replaced ours with these valves about 2 years ago. We have 1.6 gal Mansfiled toilets that the city water dept installed for free about 6 years ago, to replace the original 30 year old 3.5 gal toilets. They are excellent! Much better than the old 3.5 gal ones. They never clog, flush the first time, everytime, we are very pleased with them.

One thing about owning your own home, there is always something that needs to be done, but at least your labor is for your own home. To me there is a alot of satisfaction in maintaining our own home. I’ve enjoyed doing all the DYI plumbing and electrical work. Over the 24 years here I’ve replaced all the sinks, faucets and light fixtures myself. We’ve done all the painting ourselves too. The only work we hired out was to replace the water heater about 8 years ago and the carpets, bathrooms and kitchen flooring 5 years ago.

Eddie
 
Thanks all for the encouragement

Eddie I agree on the Korky flush valves, I have found them to be very nicely made and durable.

 

So far both commodes are working so I have no plans to replace them until I have issues.

 

I try to balance putting money in savings and paying down principle. Some months when car insurance is due, it is a stretch but otherwise I just try to live within my income.

 

Next project(s) is concrete driveway and I will have to dig out some left over asphalt in back from the prior owner who had a driveway all the way through the property.  That will take some doin'.

 

And as always the yard is an on going affair.
 
Look into having the yard work done by a contractor--I started doing this and its SAVING me money-I don't have to put the money into buying equipment and its maintenance.Only yard equipment I have is a rechargeable cordless electric mower to do the backyard.The gate isn't wide enough for my contractors ZTR mower.Takes me less than half hour to mow the back.And the contractor can haul away debris that I don't want to deal with-and esp the poison ivy.I no longer have the rider mower and have to deal with its maintenance-almost like a second car!And sometimes the contractor will let me drive his Bad Boy mower!Cheaper than buying one for myself.
 
Regarding 'Charmin' toilet paper...

My parents, on a septic tank, experienced problems with 'Charmin' not breaking up properly too.

Several years ago 'Charmin' (with the bear) in the UK, was rebranded as 'Cushelle' (with the koala). Same stuff, different name.
 
For now I like mowing

It makes me feel like a true homeowner.  Something to be said about being out, grass flying, dodging bees, chopping up thatch etc.

 

Also it keeps me active which I need right now to help with the anxiety and depression. 

 

I know a mower can be a pain, trust me, I've been mowing since 1973 and my family has had all kinds of mowers, mostly MTD junk but we did strike gold with the Ariens YT130G that was the bomb when it came to smooth mowing and performance.

 

Now perhaps in a few years I might tire of it but for now, I rather enjoy the mowing.  You just cannot beat the smell of fresh cut grass.
 
you never really "own" it.

Try home "ownership" in New Jersey.

You can pay off the mortgage but you can never pay off the property taxes, thats forever and they keep going up.

Moreover,, fall into arrears on the property taxes and you'll soon enough find out who the real owner is: The Government.

They'll sell the house out from under you with a tax lien and the sheriffs deputies will happily kick your ass into the street.
 
true

but same thing happens when you rent. When said slumlord sees taxes go up, your rent goes up also. Been there, done that, I rented for 15 years, same landlord, and rent went up every year yet I had nothing to show for it.
 
Owning a your home outright, even with the expense of property taxes is cheaper than paying rent year in and year out. And instead of a handful of useless rent receipts, you have money in the bank with your EQUITY in the property. The only one that makes out in the end from a rental property is the landlord.

Eddie
 
PeeAy

has some of the most absorb property taxes from I have been told. But I count my blessings because in Allegheny cty, a reassessment was done a few years ago and it almost caused a revolution.

 

I have to outlays via escrow.  First is my city tax in April of $635.  Then in late July or early August, we have the school tax, I think it was around $1500 give or take

For sake of discussion say property was paid off, it would cost me 2 grand a year (plus insurance) to live well add utilities but at least like eddie said I have increasing equity.

Besides, I have to have a place for my Speed Queens. And where else can I live and have a mixture of union and non union appliances? Along with TR outlets?
 
Owning a home outright-

"even with the expense of property taxes is cheaper than paying rent year in and year out. And instead of a handful of useless rent receipts, you have money in the bank with your EQUITY in the property. The only one that makes out in the end from a rental property is the landlord. ".

Ah, but with sky high property taxes one is ultimately renting the house from the state. To make matters worse, you're on the hook for all maintenance, expenses and the occasional housing market crash.

Yes, there could be equity in the property but when you factor in the true costs over the years it's a break even proposition in most cases.

Not knocking home ownership BTW, just commenting on the current state of affairs in high property tax states like N.J.
 
Yes Glenn I meant absurd. 

 

Compared to other locales,  I am fortunate tax-wise.
 

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