![](/i/fill.gif) |
![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On 17/10/13 22:02, Orchid Win7 v1 wrote:
> Well, I'm not sure. To get broadband, you have to have telephone service
> as well, which is probably why it's so pricey. (The actual broadband
> component itself is only £16/month, and it's 40 MBit/sec, which is
> absurdly fast.)
>
So, about the same speed that I get in Westminster. Mine varies between
36 and 48 Mb/s. OTOH we haven't been given optical fibre yet, which is a
bit odd considering the number of MPs etc who live here. When BT finally
gets around to doing us, I expect speeds to increase by an order of
magnitude.
Oh, BTW, welcome home.
John
--
Protect the Earth
It was not given to you by your parents
You hold it in trust for your children
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
> So, about the same speed that I get in Westminster. Mine varies between
> 36 and 48 Mb/s. OTOH we haven't been given optical fibre yet, which is a
> bit odd considering the number of MPs etc who live here. When BT finally
> gets around to doing us, I expect speeds to increase by an order of
> magnitude.
You should be grateful with what you have :-P On a good day I can get
just above 3 Mb/s...
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On 18/10/2013 09:35 AM, Doctor John wrote:
> So, about the same speed that I get in Westminster. Mine varies between
> 36 and 48 Mb/s. OTOH we haven't been given optical fibre yet, which is a
> bit odd considering the number of MPs etc who live here. When BT finally
> gets around to doing us, I expect speeds to increase by an order of
> magnitude.
I would suggest that digging up the roads in the most densely populated,
most traffic-ridden place in the entire country might be problematic for
them.
> Oh, BTW, welcome home.
Thanks.
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On 18/10/2013 10:36 AM, scott wrote:
> You should be grateful with what you have :-P On a good day I can get
> just above 3 Mb/s...
Yeah, I was under the impression most of the country uses ADSL2, which
tops out at 8 Mb/s. I'm not actually sure how it's even *possible* to
have 40 Mb/s...
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On 17/10/2013 11:34 PM, Jim Henderson wrote:
> Ah, now if I'd known that, I could've sent you some bookcases we just
> gave away. ;)
My mother has a shelf obsession, not me! My flat is quite full of
furniture as it is; I don't need any more.
The walls are made of cardboard, so you can't actually attach anything
to them. (Not if you don't want the entire wall to crack in half,
anyway.) So everything has to be bookcases and the like.
> Good curtains are a good thing - we've got some windows in the back of
> our place that don't have interior coverings (we have exterior shades on
> three of the bigger windows - they help keep the place cool in the
> summer).
I'm hoping this place will be cool in summer - the Sun never faces it.
But it's not very warm right now with no curtains... I'd turn the
heating on more, but without curtains I'm just pouring money down the drain.
>> I especially enjoyed that the paperwork for the flat contains the manual
>> for the previous boiler, and not the one presently fitted. :-D
>
> That sounds familiar. When we moved in here, we found several old
> instruction manuals for all sorts of stuff that was no longer here.
The flat comes with an owner's manual of sorts - a folder with sections
for everything you would ever need to know. Trouble is, it was clearly
compiled by the builders. So it contains the manual for the boiler they
installed, not the new one it was replaced with.
But I think the thing I most enjoyed was the section entitled "meter
locations". It is entirely empty.
> I don't know about in the UK, but here in the US, it's been my experience
> that with that type of gathering, people tend to come and go. Put some
> music on, get some light snacks (chips, dip, pizza, that sort of thing -
> and drinks, of course) and invite people to come over. Get to know and
> invite your neighbors as well - that's a great way to reduce the chances
> of a noise complaint from them. :)
>
> People tend to just gather and socialize, have a drink or two, and then
> may wander off. My son did something like this when he and his SO got
> their place - with only a couch, they got a bunch of pillows/cushions so
> people could sit on the floor. They played video games and such as well.
We'll see what I can set up. According to the terms of the lease, I'm
not allowed to play music though. (Which is unsurprising, given the
walls are made of cardboard. If the guy next door takes a dump, I can
tell you if it's one lump or two!) I'm also not allowed to use a TV,
although I'm damned sure I've heard other people doing so. Oh, and I'm
not allowed to play a musical instrument OR SING!
>> My last bank statement was scary. It's alarming to see the money out
>> column has MORE DIGITS in it than the money in column. :-S Welcome to
>> never having any money ever again. ;-)
>
> I know *that* story. ;) It's been over 2 years since I was laid off and
> started working for myself. While I could make a lot per month if I put
> in a full work week each week, I tend to work about 4 hours a day on
> average, really just enough to keep paying the bills.
No matter what your woes, somebody else always has a bigger problem.
Why, I just spoke to my ex-girlfriend, and her sister died yesterday.
What do you even SAY to something like that??
>> Oh, and my boss tells me I might want to update my CV, because the
>> company *may* go under shortly. O_O
>>
>> (NOW you tell me?!)
>
> Eep. Always a good thing to keep the CV current, just in case. I wish
> I'd done that in the years leading up to my layoff - it was much harder
> to remember and provide specifics on projects I worked on (things like
> savings, revenue impacts, that sort of thing - if you work on stuff where
> you have that information available).
Fortunately, I now have a goodly list of stuff I've single-handedly done
here. And more to the point, last time around everybody who interviewed
me was wowed by the stuff I put on my CV, but then completely lost
interest when I said I have no commercial experience. Now I have a year
of solid experience, so...
> We're looking to probably move to Seattle by the end of the year
Sometimes I like to think of moving from one American state to another
as being like moving between European countries. I gather they're
approximately the same size...
> That's one of the nice
> things about owning a place and fixing it up - you can make money on it
> when you sell it. :)
Interesting. I assumed that you always lose a huge chunk of money when
you sell a property - pretty much like anything else you can buy...
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
Le 18/10/2013 20:36, Orchid Win7 v1 nous fit lire :
> On 18/10/2013 10:36 AM, scott wrote:
>> You should be grateful with what you have :-P On a good day I can get
>> just above 3 Mb/s...
>
> Yeah, I was under the impression most of the country uses ADSL2, which
> tops out at 8 Mb/s. I'm not actually sure how it's even *possible* to
> have 40 Mb/s...
ADSL2+ tops at 20 Mb/s IP (or 28Mb/s ATM) for download, max 1Mb/s upload
France allowed VDSL2 since 1 October 2013... if you are shorter than
1200m, it can provide far better rate. IIRC, 200Mb/s down and 50Mb/s
up... if you are next to the NRA and the NRA is VDSL2 compatible...
Half them for reality at less than 500 m of the NRA.
Next to the NRA: rather: have direct access to it, your line being
inside it!
Now, the usual NRA is up to 6000 m radius large, so the probability that
you are less than 1200m from it is about 1/25 : 1 out of 25 house will
be happy of VDSL2. On a city of 20 000 houses, that's not a so big
number. (800)
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On Fri, 18 Oct 2013 19:52:34 +0100, Orchid Win7 v1 wrote:
> On 17/10/2013 11:34 PM, Jim Henderson wrote:
>> Ah, now if I'd known that, I could've sent you some bookcases we just
>> gave away. ;)
>
> My mother has a shelf obsession, not me! My flat is quite full of
> furniture as it is; I don't need any more.
If you've ever seen "Waiting for God" - this made me think of Geoffrey.
If you haven't, that won't make any sense, though. :)
I don't think we could afford the shipping. :)
> The walls are made of cardboard, so you can't actually attach anything
> to them. (Not if you don't want the entire wall to crack in half,
> anyway.) So everything has to be bookcases and the like.
Ah, yes, paneling - we've got some of that in our place - it's attached
to sheetrock, but I could see that being a problem.
>> Good curtains are a good thing - we've got some windows in the back of
>> our place that don't have interior coverings (we have exterior shades
>> on three of the bigger windows - they help keep the place cool in the
>> summer).
>
> I'm hoping this place will be cool in summer - the Sun never faces it.
> But it's not very warm right now with no curtains... I'd turn the
> heating on more, but without curtains I'm just pouring money down the
> drain.
Are the windows single- or double-glazed? Curtains may not make that
much difference if they're double.
>>> I especially enjoyed that the paperwork for the flat contains the
>>> manual for the previous boiler, and not the one presently fitted. :-D
>>
>> That sounds familiar. When we moved in here, we found several old
>> instruction manuals for all sorts of stuff that was no longer here.
>
> The flat comes with an owner's manual of sorts - a folder with sections
> for everything you would ever need to know. Trouble is, it was clearly
> compiled by the builders. So it contains the manual for the boiler they
> installed, not the new one it was replaced with.
Got a model number and manufacturer for the new one? Usually there's
something printed on a metal plate (or otherwise) on the side of the
thing that has that info - I find most manuals can be found online these
days, but if not, having the manufacturer and the make means you can get
hold of someone at the company and ask for one if you really need it.
That's what we ended up doing with the ancient boiler our place came with.
> But I think the thing I most enjoyed was the section entitled "meter
> locations". It is entirely empty.
LOL
>> I don't know about in the UK, but here in the US, it's been my
>> experience that with that type of gathering, people tend to come and
>> go. Put some music on, get some light snacks (chips, dip, pizza, that
>> sort of thing - and drinks, of course) and invite people to come over.
>> Get to know and invite your neighbors as well - that's a great way to
>> reduce the chances of a noise complaint from them. :)
>>
>> People tend to just gather and socialize, have a drink or two, and then
>> may wander off. My son did something like this when he and his SO got
>> their place - with only a couch, they got a bunch of pillows/cushions
>> so people could sit on the floor. They played video games and such as
>> well.
>
> We'll see what I can set up. According to the terms of the lease, I'm
> not allowed to play music though. (Which is unsurprising, given the
> walls are made of cardboard. If the guy next door takes a dump, I can
> tell you if it's one lump or two!) I'm also not allowed to use a TV,
> although I'm damned sure I've heard other people doing so. Oh, and I'm
> not allowed to play a musical instrument OR SING!
TMI on your neighbor ;) - but you might talk to the landlord and see what
accommodation they're able to/willing to make for a housewarming party.
>
>>> My last bank statement was scary. It's alarming to see the money out
>>> column has MORE DIGITS in it than the money in column. :-S Welcome to
>>> never having any money ever again. ;-)
>>
>> I know *that* story. ;) It's been over 2 years since I was laid off
>> and started working for myself. While I could make a lot per month if
>> I put in a full work week each week, I tend to work about 4 hours a day
>> on average, really just enough to keep paying the bills.
>
> No matter what your woes, somebody else always has a bigger problem.
> Why, I just spoke to my ex-girlfriend, and her sister died yesterday.
> What do you even SAY to something like that??
"I'm sorry for your loss" or "Oh, I'm so sorry to hear that" is usually a
good place to start. That is sad news indeed. I find that some people
enjoy talking about the person who passed away, others want to be
distracted. Listening is usually good.
>
>>> Oh, and my boss tells me I might want to update my CV, because the
>>> company *may* go under shortly. O_O
>>>
>>> (NOW you tell me?!)
>>
>> Eep. Always a good thing to keep the CV current, just in case. I wish
>> I'd done that in the years leading up to my layoff - it was much harder
>> to remember and provide specifics on projects I worked on (things like
>> savings, revenue impacts, that sort of thing - if you work on stuff
>> where you have that information available).
>
> Fortunately, I now have a goodly list of stuff I've single-handedly done
> here. And more to the point, last time around everybody who interviewed
> me was wowed by the stuff I put on my CV, but then completely lost
> interest when I said I have no commercial experience. Now I have a year
> of solid experience, so...
That'll certainly help. :)
>> We're looking to probably move to Seattle by the end of the year
>
> Sometimes I like to think of moving from one American state to another
> as being like moving between European countries. I gather they're
> approximately the same size...
Depends on the state. Here in Salt Lake City (and the surrounding towns)
there's about a million people. Seattle's about the same size, but
different politics, climate, ... pretty much everything. :)
>> That's one of the nice things about owning a place and fixing it up -
>> you can make money on it when you sell it. :)
>
> Interesting. I assumed that you always lose a huge chunk of money when
> you sell a property - pretty much like anything else you can buy...
Oh, no, property values can (and do) go up. I bought my first place out
here in the mid-90's, paid about $89K for it (well, the bank did, and I
paid them back when I sold the place and we moved in 2001. The new place
cost roughly double that (I think about $160K when all was said and
done), and our realtor tells us that we should be able to get about $325K
for it when we finish the last few little things that need finishing (a
couple hardwood floors to professionally clean and refinish, and a little
bit of painting).
A lot of it has to do with supply and demand. Right now around here,
it's a seller's market (there are more people wanting to move in than are
wanting to leave), so you can ask a higher price.
We also had a 50-year roof put on the place while we were here - at a
cost of about $20K (we had equity built up in the property because we
bought it below market value, so we put the equity up as collateral for a
loan). So the next people to own the place (and possibly a few after
them) won't have to have the roof done. That's got value, too.
New heating system (the "ancient" boiler has been replaced with a high-
efficiency multi-zone radiant heating system), restoration work in the
living areas, completely refinished the addition. The costs add up, but
the return is pretty good. I could point you at before and after
pictures if you were interested. :)
Jim
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On Fri, 18 Oct 2013 10:36:26 +0100, scott wrote:
>> So, about the same speed that I get in Westminster. Mine varies between
>> 36 and 48 Mb/s. OTOH we haven't been given optical fibre yet, which is
>> a bit odd considering the number of MPs etc who live here. When BT
>> finally gets around to doing us, I expect speeds to increase by an
>> order of magnitude.
>
> You should be grateful with what you have :-P On a good day I can get
> just above 3 Mb/s...
About the same here, too...
Jim
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
>> The walls are made of cardboard, so you can't actually attach anything
>> to them. (Not if you don't want the entire wall to crack in half,
>> anyway.) So everything has to be bookcases and the like.
>
> Ah, yes, paneling - we've got some of that in our place - it's attached
> to sheetrock, but I could see that being a problem.
Basically each wall is a sheet of plasterboard. So, looks pretty, but no
sound damping, and you can't make any holes in it. (It'll just snap in
half.)
My mum's house is made of, you know, BRICKS and stuff. At night I do
feel a little bit vulnerable sitting in this cardboard display case with
no curtains and nothing but some plaster between me and the big bad
world out there...
>> I'm hoping this place will be cool in summer - the Sun never faces it.
>> But it's not very warm right now with no curtains... I'd turn the
>> heating on more, but without curtains I'm just pouring money down the
>> drain.
>
> Are the windows single- or double-glazed? Curtains may not make that
> much difference if they're double.
It's all double-glazed. Never the less, the bedroom is significantly
colder than the rest of the flat. And the single tiny radiator there
takes much longer to get warm - presumably since it's at the opposite
end of the building. So right now my kitchen is like a sauna, but the
place where I actually want to sleep is still too cold. (And cools down
rather quickly once I turn the heating off, which is the alarming part.)
Having said that, it's warmer since I turned my PC back on and set four
instances of POV-Ray running. (I've lost about two weeks of render time
due to this move...)
>> The flat comes with an owner's manual of sorts - a folder with sections
>> for everything you would ever need to know. Trouble is, it was clearly
>> compiled by the builders. So it contains the manual for the boiler they
>> installed, not the new one it was replaced with.
>
> Got a model number and manufacturer for the new one?
Well, I found the manual for the actual boiler laying around in a
cupboard. I still don't have a manual for the timer controls though.
Weird thing is, it says Honeywell on it - I thought they went out of
business about 30 years ago...
>> No matter what your woes, somebody else always has a bigger problem.
>> Why, I just spoke to my ex-girlfriend, and her sister died yesterday.
>> What do you even SAY to something like that??
>
> "I'm sorry for your loss" or "Oh, I'm so sorry to hear that" is usually a
> good place to start. That is sad news indeed. I find that some people
> enjoy talking about the person who passed away, others want to be
> distracted. Listening is usually good.
When I heard she had leukaemia, I wasn't sure what to say. A few months
later they diagnosed liver cancer. Last week they added brain cancer to
the list... There's really not a lot you can say to that. And now she's
actually dead. Everyone responds differently; I think Lynn just wants to
be left alone right now. She's probably got a dozen people offering her
their sympathies.
On a happier note, she visited my flat last weekend, and seemed
impressed with it. And hopefully I've got another visitor tomorrow...
>> Sometimes I like to think of moving from one American state to another
>> as being like moving between European countries. I gather they're
>> approximately the same size...
>
> Depends on the state. Here in Salt Lake City (and the surrounding towns)
> there's about a million people. Seattle's about the same size, but
> different politics, climate, ... pretty much everything. :)
...just like another country. ;-)
>>> That's one of the nice things about owning a place and fixing it up -
>>> you can make money on it when you sell it. :)
>>
>> Interesting. I assumed that you always lose a huge chunk of money when
>> you sell a property - pretty much like anything else you can buy...
>
> Oh, no, property values can (and do) go up. I bought my first place out
> here in the mid-90's, paid about $89K for it (well, the bank did, and I
> paid them back when I sold the place and we moved in 2001. The new place
> cost roughly double that (I think about $160K when all was said and
> done), and our realtor tells us that we should be able to get about $325K
> for it when we finish the last few little things that need finishing (a
> couple hardwood floors to professionally clean and refinish, and a little
> bit of painting).
How does that work out after you correct for inflation?
> A lot of it has to do with supply and demand. Right now around here,
> it's a seller's market (there are more people wanting to move in than are
> wanting to leave), so you can ask a higher price.
I figure if you buy a property that's almost brand-new, once you sell
it, it's not brand-new any more, hence drastically less desirable. Also
half this block of flats appears to be empty currently, so...
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
On Fri, 18 Oct 2013 21:50:21 +0100, Orchid Win7 v1 wrote:
>>> The walls are made of cardboard, so you can't actually attach anything
>>> to them. (Not if you don't want the entire wall to crack in half,
>>> anyway.) So everything has to be bookcases and the like.
>>
>> Ah, yes, paneling - we've got some of that in our place - it's attached
>> to sheetrock, but I could see that being a problem.
>
> Basically each wall is a sheet of plasterboard. So, looks pretty, but no
> sound damping, and you can't make any holes in it. (It'll just snap in
> half.)
I imagine the landlord won't let you put holes in it, though it certainly
is possible to drill holes in it. But hanging stuff from the holes can
be a bit tricky unless you use an anchor. :)
> My mum's house is made of, you know, BRICKS and stuff. At night I do
> feel a little bit vulnerable sitting in this cardboard display case with
> no curtains and nothing but some plaster between me and the big bad
> world out there...
Yeah, curtains should probably be on your "to buy" list sooner rather
than later.
>>> I'm hoping this place will be cool in summer - the Sun never faces it.
>>> But it's not very warm right now with no curtains... I'd turn the
>>> heating on more, but without curtains I'm just pouring money down the
>>> drain.
>>
>> Are the windows single- or double-glazed? Curtains may not make that
>> much difference if they're double.
>
> It's all double-glazed. Never the less, the bedroom is significantly
> colder than the rest of the flat. And the single tiny radiator there
> takes much longer to get warm - presumably since it's at the opposite
> end of the building. So right now my kitchen is like a sauna, but the
> place where I actually want to sleep is still too cold. (And cools down
> rather quickly once I turn the heating off, which is the alarming part.)
> Having said that, it's warmer since I turned my PC back on and set four
> instances of POV-Ray running. (I've lost about two weeks of render time
> due to this move...)
That's one way to get the temperature up. What kind of temperature do
you find you sleep best at? After growing up in Minnesota with my dad -
"the miser" (he grew up during the great depression) - he'd turn the heat
off at night. I froze my butt off every night, and swore than when I got
my own place, I'd not turn the heat off.
Wouldn't you know, I couldn't sleep with the heat on? I have to have it
around 55 degrees F in order to get a decent night's sleep.
>>> The flat comes with an owner's manual of sorts - a folder with
>>> sections for everything you would ever need to know. Trouble is, it
>>> was clearly compiled by the builders. So it contains the manual for
>>> the boiler they installed, not the new one it was replaced with.
>>
>> Got a model number and manufacturer for the new one?
>
> Well, I found the manual for the actual boiler laying around in a
> cupboard. I still don't have a manual for the timer controls though.
>
> Weird thing is, it says Honeywell on it - I thought they went out of
> business about 30 years ago...
Nope, Honeywell is a Minnesota-based company, in fact - I went to middle
school ("Jr. High" as we called it then) near one of their manufacturing
plants. They make pretty decent thermostats.
Some programmable thermostats have a removable front panel that has basic
instructions on it (we've got two that are like that, but different makes/
models). If anything, there'll be a model number on it somewhere that
you can get to without taking it off the wall. Usually there's a
battery, too (unless in the UK they run off a 220v circuit, which seems
unlikely), so sometimes looking inside the battery cover might help find
that info.
>>> No matter what your woes, somebody else always has a bigger problem.
>>> Why, I just spoke to my ex-girlfriend, and her sister died yesterday.
>>> What do you even SAY to something like that??
>>
>> "I'm sorry for your loss" or "Oh, I'm so sorry to hear that" is usually
>> a good place to start. That is sad news indeed. I find that some
>> people enjoy talking about the person who passed away, others want to
>> be distracted. Listening is usually good.
>
> When I heard she had leukaemia, I wasn't sure what to say. A few months
> later they diagnosed liver cancer. Last week they added brain cancer to
> the list... There's really not a lot you can say to that. And now she's
> actually dead. Everyone responds differently; I think Lynn just wants to
> be left alone right now. She's probably got a dozen people offering her
> their sympathies.
Yeah, there really isn't much to say about it beyond "I'm sorry to hear
that, let me know if there's anything I can do for you". While she may
have lots of people offering sympathies, it generally never hurts to
acknowledge other people's pain. Sometimes not doing so can be seen as
being unsympathetic, too.
> On a happier note, she visited my flat last weekend, and seemed
> impressed with it. And hopefully I've got another visitor tomorrow...
That sounds good. :)
>>> Sometimes I like to think of moving from one American state to another
>>> as being like moving between European countries. I gather they're
>>> approximately the same size...
>>
>> Depends on the state. Here in Salt Lake City (and the surrounding
>> towns)
>> there's about a million people. Seattle's about the same size, but
>> different politics, climate, ... pretty much everything. :)
>
> ...just like another country. ;-)
Yep. :)
>>>> That's one of the nice things about owning a place and fixing it up -
>>>> you can make money on it when you sell it. :)
>>>
>>> Interesting. I assumed that you always lose a huge chunk of money when
>>> you sell a property - pretty much like anything else you can buy...
>>
>> Oh, no, property values can (and do) go up. I bought my first place
>> out here in the mid-90's, paid about $89K for it (well, the bank did,
>> and I paid them back when I sold the place and we moved in 2001. The
>> new place cost roughly double that (I think about $160K when all was
>> said and done), and our realtor tells us that we should be able to get
>> about $325K for it when we finish the last few little things that need
>> finishing (a couple hardwood floors to professionally clean and
>> refinish, and a little bit of painting).
>
> How does that work out after you correct for inflation?
I'll still end up ahead. We'll have about a year's worth of spare change
in the bank. The thing is, when you take a loan out for property, the
loan is for the purchase price, and that doesn't adjust with inflation.
So, we moved in here 12 years ago and had a loan for $145K or so (we had
enough of a down payment from the sale of the previous place that we
didn't have to borrow the entire amount). Today, we still owe on that
initial principal - about $120K or so, as I recall. So, when we pay the
loan off with the proceeds of the sale, we'll have about $200K from which
we'll pay the realtor's commission (about 5%-6% of the sale price
normally), a chunk comes out to pay off the equity line of credit that
paid for the roof and some of the other stuff, some to pay off other
debts we have, and our moving expenses. We figure we'll have enough to
replace our 14-year-old car as well and to pay rent on a flat in Seattle
that we think looks good to us for about a year - if I don't work at all
in that year (which I will).
We'd keep the car going if we could, but the brand was discontinued a few
years ago, and our mechanics (who used to work for the dealership we
bought it from) have said they're now starting to have trouble finding
parts. It's entirely possible we'll sell it to them to use as parts, but
I don't expect we'll get much for it.
>> A lot of it has to do with supply and demand. Right now around here,
>> it's a seller's market (there are more people wanting to move in than
>> are wanting to leave), so you can ask a higher price.
>
> I figure if you buy a property that's almost brand-new, once you sell
> it, it's not brand-new any more, hence drastically less desirable. Also
> half this block of flats appears to be empty currently, so...
So you shouldn't have many noise complaints from your neighbors if you
decide to listen to some music or watch TV. ;)
Our house was built in 1912, with an addition added in the 1960's. Real
estate valuation is different than, say, a car (which generally
depreciates). Again, it's supply and demand. If there are 10 people who
want to move into a neighborhood where there are only 3 houses up for
sale, those 10 people will determine the value of the property simply
because there's more demand than supply. That can actually drive
property values up.
But there are other things that add to property value - local schools,
available public transport, crime levels, access to parks and other green
spaces, "walkability" (ie, can you get to the shops by walking or do you
need to drive somewhere to get your groceries?), proximity to local
employers, and so on. The value isn't entirely in the specific property,
but in the surrounding neigbourhood. That's one reason why a real estate
agent will pull "comps" - prices on nearby "comparable" properties that
have recently sold. That gives the agent an idea as to what the going
prices are for houses like yours.
Then, too, there's improvements (as I mentioned before). The house I'm
in was built in 1912, but the roof was added in 2005 or so. The addition
was put on the house in the '60s, but we redid the floors, repainted the
walls, and modernized it. We fixed bad wiring (in fact the last of the
electrical work we need to do was done today), added an electrical sub-
panel and outlets to places where there weren't any previously.
So the outside walls are 1912, the floors are 1912, and many of the
interior walls are 1912, but some of the flooring is 2012/2013, some of
the interior design work is post-Y2K, we have original 1912 windows
(extremely rare, I understand) that were bricked over that we opened up.
There's a lot of space, and it can sell as a 4-bedroom house with a full
bath and two half-baths (no bathtub, just a shower in the two halves).
Also, not everyone wants "new". Some people prefer an older property
with "character". So value is also assigned based on what people want -
do they want to restore an old home, or live somewhere modern? We
actually *thought* we wanted to do a restoration, and we did (well, our
neighbor did a lot of the work, but that's another story), but it turns
out we want something modern and energy-efficient - and with a secure
entry area so strangers aren't coming up and knocking on our doors (like
happened yesterday, in what we can only work out was an attempt to see if
anyone was home so they could burgle the place - which is yet another
story).
Jim
Post a reply to this message
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |
|
![](/i/fill.gif) |
| ![](/i/fill.gif) |
|
![](/i/fill.gif) |