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Posted by J. Clarke on January 29, 2008, 11:54 am
Terryc wrote:

The bank doesn't pay for your house, you do.  If you weren't willing
to borrow the 6x then what you did borrow plus what cash you spent was
what you could pay.  So you are most people.

Are you saying that one builds a shell that has all the insulation
that one wants and then tears the old house down inside it?  Seems to
me that it would be rather difficult to deal with issues like
foundations and ceiling and floor joists.

Or are you saying that they knock down part of the house and build new
where it was?

And where exactly is "here"? How deep is the frost line where you are?
Did you dig your basement with a shovel or rent a backhoe?

to email, dial "usenet" and validate
(was jclarke at eye bee em dot net)

Posted by Terryc on January 30, 2008, 5:21 am
J. Clarke wrote:

Err no. We borrowed what WE wanted to buy a beginner house that we were
happy with.  When we asked for $0K, the bank guy said "you can have
$00K if you like". It took about 2 minutes to explain to the wife that
$00K meant definitely having to wotk for the next 25 years, no year off
for study, long holidays, etc, etc, before we continued with the request
for $0K.

It weasd a wise move as in a few years were were paying 18% interest
rate no problems, although the bathroom remodel was put back five years.

Any way you can get away with really. You are really "renovating your
existing property" whch local government can not stop you doing. It is
the add-ons/changes that you have to be approved on.

So if people want to radically alter the house, yep, they build a tarp
tent and virtually tear it down wall by wall. This may include redoing
the foundations or just re cladding.

Not, Australia where peeps unfortunately do not have basements. They
make a lot of sense to me. The big problem here is rock floaters in clay
which requires a competent backhow/jackhammer operator. Yes, I have done
that, by hand, when my father decided to excavate a bigger garage under
our house on the side of the hill.

I can understand peoples disinclination, but after seeing what a paid
builder did to a roof replacement, I would not have done any worse.

Posted by bealiba on January 30, 2008, 9:22 am
Ah yes, the recession we had to have. Had to sell up, it nearly sent
us bankrupt. In the end it was the best thing that ever happened to

And never let the council know what is going on.

Ah, America, land of the free and home of the brave. Then there is OZ,
No worries, she'll be right mate.

Actually you would be surprised at the number of houses in OZ that
have cellars.

Yeah. Do it yourself and save some aggro and money.

Posted by J. Clarke on January 30, 2008, 12:11 pm
 Terryc wrote:

In other words you decided that the payments on 50K were what you
could pay.  Just as everyone else decides what payment they can afford
to make.  Or do you think that you are the only person on Earth who
actually considered the cost of repaying the loan before he decided
how much he wanted to borrow?

If the bank decided that they would loan you a billion dollars does
that mean that you could afford a billion dollars?

So explain how fixing things without making changes saves energy.  It
sounds like you're also blessed with regard to building inspectors.

Here, if you're going to do that you need to get down and back up in
one season or your tarp tent is going to be flat the first time it

Here you pretty much don't have any choice but to have a basement--the
foundation has to go below frost line and plumbing and whatnot has to
have a space to run through that doesn't freeze.

He didn't do it to code?

Most kinds of work I'm happy to do.  Roofs with more than 30 degree
slope though, my balance isn't what it used to be.

to email, dial "usenet" and validate
(was jclarke at eye bee em dot net)

Posted by bealiba on January 30, 2008, 9:10 pm
Poor little boy, he has more excuses for not doing things than he has
things to do.

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