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Neutrino posted:Lots of things about old houses work better than newer materials and techniques. And lots don't, which is why they're no longer used. quote:But the basic thing is there is value in authenticity You don't want to rip out materials from an old house from hard-woods that cannot be found anymore and replace it with Menard's pine. Value is subjective. Lots of people value a safe and comfortable home more than they value authenticity. There's a lot of truly authentic crap out there. If it's a former crack-house and those hardwood floors are stained with piss and blood from people who died in there, I wouldn't care if it's Brazilian rosewood, I'd fully understand someone wanting to rip that floor out of there and replace it with Pergo. Doesn't matter how much sanding and refinishing you do, some people might not want their infant child learning to crawl on the same surface that junkies poo poo on.
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Jun 1, 2017 17:30
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My partner showed me that the same couple bought a fixer upper cottage, and the writing is INSUFFERABLE. http://cottagelife.com/realestate/the-story-of-how-one-young-family-found-their-dream-cottage-for-59000 quote:Not to mention that we couldn’t afford it. We had a giant mortgage from gutting and renovating our city home, They impulse bought a $59k cottage after spending over a million on their "city home", and they have the audacity to complain about being strapped for cash. My ire is boundless right now. Count Thrashula fucked around with this message at 17:44 on Jun 1, 2017 |
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Jun 1, 2017 17:41
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Phanatic posted:Why is that a need? Lots of things about old homes suck. The people who are living in a space get to make that space one they feel comfortable in, they shouldn't be beholden to a bunch of dead people. Yeah, I can't figure out why these clueless idiots get $$, and I have almost none.
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Jun 1, 2017 17:42
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COOL CORN posted:My partner showed me that the same couple bought a fixer upper cottage, and the writing is INSUFFERABLE. Oh Jesus gently caress. These shits have no idea what hardship is, not that I'm exactly poor or anything. I bet these fuckers have never worked fast food or retail, even. Or, you know, *worked*.
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Jun 1, 2017 17:45
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 click for big, in Egypt somewhere. edit : also, EVIL PLUMBER! https://www.youtube.com/watch?v=TuIxl8LcrSg Lime Tonics fucked around with this message at 17:56 on Jun 1, 2017 |
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Jun 1, 2017 17:48
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Darchangel posted:Yeah, I can't figure out why these clueless idiots get $$, and I have almost none. They have money because they got money from previous generations. It turns out that the greatest predictor of success (where "success" is defined as "being rich") is having rich relatives. It easily beats out being smart, hardworking, white, or even lucky. In related news, the American Dream is a sham.
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Jun 1, 2017 18:03
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Slight foundation issues in Alexandria, Egypt.
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Jun 1, 2017 18:06
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Phanatic posted:Value is subjective. Lots of people value a safe and comfortable home more than they value authenticity. You don't sound like you know much or at the very least confuse a lot of different things. But I guess anyone with a Hitler avatar is more than a little confused. I guess next time you buy something at the store you could try that "value is subjective" line and maybe it will work for you. :shrugs:
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Jun 1, 2017 18:22
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^^^ Shut the gently caress up dude, if I wanna set fire to an ancient victorian house and build something from the age of building codes because having a labyrinth of a floor plan annoys me or whatever, I'm going to. Because I don't value your nostalgia. Because there's no value in "original floorboards" to me. Because the value is subjective.kid sinister posted:Slight foundation issues in Alexandria, Egypt. All of them. At once. Yawgmoth fucked around with this message at 18:28 on Jun 1, 2017 |
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Jun 1, 2017 18:22
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Yawgmoth posted:Just the neighbors
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Jun 1, 2017 18:47
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Those apartments were not ment to be apart.
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Jun 1, 2017 18:50
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I guess now they are togetherments.
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Jun 1, 2017 18:59
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Neutrino posted:I guess next time you buy something at the store you could try that "value is subjective" line and maybe it will work for you. :shrugs: The concepts that price is a floating number dependent on supply and demand and that demand itself floats based on perceived value is fundamental to economics, dude
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Jun 1, 2017 19:04
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Someone started a gofundme campaign for those Brave Crackhouse purchasers https://www.gofundme.com/help-this-brave-gentrifier-family
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Jun 1, 2017 19:09
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https://www.gofundme.com/help-this-brave-gentrifier-family Edit: 
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Jun 1, 2017 19:09
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Armacham posted:Someone started a gofundme campaign for those Brave Crackhouse purchasers Jesus gently caress people are giving them money. I hope they all get shat on by junkies. Ed: ah, no, OK, should've read further: quote:However, if this campaign fails to meet it's $730,000 goal, I will donate whatever pittance we raised to Parkdale Community Legal Services, The Advocacy Centre for Tenants Ontario, The Federation of Metro Tenants' Associations, and ACORN Canada.
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Jun 1, 2017 19:22
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That gofundme is my favorite thing on the internet ever.
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Jun 1, 2017 19:26
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COOL CORN posted:My partner showed me that the same couple bought a fixer upper cottage, and the writing is INSUFFERABLE. Do you think they paid off that extra 100,000 they owed the godfather by now, or does the bank not know about that? The way these people just jump into debt on a whim terrifies me.
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Jun 1, 2017 19:34
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there wolf posted:Do you think they paid off that extra 100,000 they owed the godfather by now, or does the bank not know about that? The way these people just jump into debt on a whim terrifies me. They have well north of a million dollars in equity in their various properties and maybe more like two million. Borrowing 100k on a whim is normal for people like that. Because regardless of how the lady characterized their deep and serious distress at their horrible financial predicaments, they're in no serious danger of actually losing their economic status at any point of their story, and even more so now.
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Jun 1, 2017 19:39
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Neutrino posted:You don't sound like you know much or at the very least confuse a lot of different things. But I guess anyone with a Hitler avatar is more than a little confused. I guess next time you buy something at the store you could try that "value is subjective" line and maybe it will work for you. :shrugs: I hope your uninsulated house with crown-glass windows burns down because it still has knob-and-tube splices because historic authenticity is intrinsically valuable unlike every other thing in the world. Baronjutter posted:This is canadian economy right now: Welcome to the American economy circa 2006. And...well, pretty much the same thing now. It's a hell of a toboggan ride. Phanatic fucked around with this message at 20:01 on Jun 1, 2017 |
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Jun 1, 2017 19:57
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This is canadian economy right now: -You have no money, you can't even afford a down payment and jobs don't pay enough to buy anything so you NEED to buy a house to "build equity" -Cool, the government lets me get an insanely large mortgage without a down payment, the banks love it too since it offloads the risk onto the government! This is good policy because it lets people buy houses. -Woah, houses keep going up in value like 10% or more every year, it's free money! No amount of housing debt is bad because prices always go up so in the end you'll always win. -Cool the government gives me grants and rebates to renovate my house, I'm adding even more value!!! My equity levels are off the loving charts. -Rad, I have almost no income and am 2 million in the hole and have 3 lines of credit and a bunch of other dubious debts and maxed out credit cards but my properties gained +250k in paper gains just this year so I'm actually way ahead. -Holy gently caress a 2br house is over a million dollars in my town now, the government needs to do something about this!! But don't do anything that would lower the prices, just give us access to more debt. -Even with insane amounts of debt I still don't have enough to keep this going, but my parents can give me all their retirement savings and reverse mortgage their house, but this is good because guaranteed 20% gains per year! -This is sustainable and good and will go on forever so no amount of debt is bad because you're guaranteed to make huge gains forever and the government has my back and guarantee 30% gains on my home value each year. Baronjutter fucked around with this message at 20:01 on Jun 1, 2017 |
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Jun 1, 2017 19:59
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You forgot -Canadian mortgages are all ARMs, they don't have true fixed-rate loans
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Jun 1, 2017 20:01
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Leperflesh posted:They have well north of a million dollars in equity in their various properties and maybe more like two million. Borrowing 100k on a whim is normal for people like that. Because regardless of how the lady characterized their deep and serious distress at their horrible financial predicaments, they're in no serious danger of actually losing their economic status at any point of their story, and even more so now. That just tells me a housing crash would eat them alive. drat, I think coming into adulthood and inheritance in the late aughts had more of a impact on me than I thought...
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Jun 1, 2017 20:02
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Runcible Cat posted:Ed: ah, no, OK, should've read further: Anything less than three quarters of a million dollars is a pittance, you heard it here first.
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Jun 1, 2017 20:05
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Bad Munki posted:Anything less than three quarters of a million dollars is a pittance, you heard it here first. I don't think the campaign writer is being serious in most of that post.
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Jun 1, 2017 20:14
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Leperflesh posted:You forgot Oh sweet lord, everyone's boned. Here's a horror story I guess I forgot to post, from a couple of friends of mine.  Step 1: Go away overnight in December and have a pipe burst on your upper floor, damaging your two upstairs bathrooms and most of your downstairs and basement. Step 2: Bring in an emergency crew the night you get back to set up fans and start remediation. Step 3: Enjoy the remediation crew discovering that the tiles underneath the water-soaked carpet are asbestos. Step 4: And that there is also asbestos in the poopcorn ceiling in the kids' room, which had collapsed due to the water damage. Step 5: And the drywall joint compound? Does that have much asbestos in it? Yes it does. Step 6: Setting up the fans before figuring all that out turned out to be a bad idea because now your entire house, with the exception of the garage, is contaminated. Step 7: Move into a Marriott Residence in for 7 weeks before moving into a mobile harm in your yard in January. Step 8: Remediation plan includes stripping everything down to the studs, and tearing out all cabinetry. Anything fabric or fibrous needs to be destroyed. Mattresses, books, furniture, clothing, toys, all gone. Probably all the electronics too. Step 9: The remediation plan also needs to be approved by the state. Step 10: At least someone else gets to take down the Christmas tree. Step 11: Live in the mobile home with your two young boys for about 3-4 months. Then live there some more, because that's just how long it takes to complete the remediation and you still don't have an inhabitable house. Fortunately it's all covered by insurance. Because man, if you're going to file a homeowner's claim, go big or go home. None of this "A tree fell on the roof of my detached garage," poo poo, this is "I need a whole new house."
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Jun 1, 2017 20:17
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Leperflesh posted:You forgot I was speaking with some NZ friends and they boggled that fixed-rate loans were a thing. They're just flat-out not available in NZ, apparently, even though people make similar down payments there as they do here.
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Jun 1, 2017 20:26
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That's loving insanity. I can't imagine not having a fixed rate mortgage. 'Pfft, it's only 30 years, how much could things change in that time??'
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Jun 1, 2017 20:42
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Most of the world doesn't have fixed rate mortgages, I think that the US is the real oddball in that regard.
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Jun 1, 2017 21:12
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Ashcans posted:Most of the world doesn't have fixed rate mortgages, I think that the US is the real oddball in that regard. Thank goodness for that oddity, then. My parents' mortgage was something like 12%. Jumping up to that would add, like, $780,000 to the cost of my mortgage over thirty years.
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Jun 1, 2017 21:29
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Is the UK another odd one out, in that you can choose fixed or variable rate, and choose the length to fix to, and it jumps to an untenable rate after the fixed period, but everyone refinances at that point? To illustrate: I got a 2 year fixed rate mortgage a year ago at 2.19%. In another year it'll leap to 3.49% variable (trending based on lending base rate) but it's well understood that I'll "switch" my mortgage to another deal with them or another bank at that point, and every 2 years or so thereafter until it's all paid off.
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Jun 1, 2017 21:35
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Arachnamus posted:Is the UK another odd one out, in that you can choose fixed or variable rate, and choose the length to fix to, and it jumps to an untenable rate after the fixed period, but everyone refinances at that point? 3/ARM and 5/ARM are common in the US. (3 year fixed, after that adjustable rate) Mortgage hopping stops working when interest rates start climbing. e: In the US, there's usually a few thousand dollars worth of closing costs as well, so jumping often adds up.
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Jun 1, 2017 21:41
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Phanatic posted:Oh sweet lord, everyone's boned. ~but the value of authenticity~
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Jun 1, 2017 21:41
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wolrah posted:Simple solution: Don't try to apply logic to horse people. They're all insane. You'd have to be to recreationally own a creature literally the size of a dinosaur whose housing and feeding costs more than rent and food for an average teenager. And if they get sick, you end up having someone haul them two miles down the road to the nearest large animal hospital, because even your decent sized city doesn't offer that kind of service locally. I loving hate horse people.
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Jun 1, 2017 21:44
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Arachnamus posted:it's well understood that I'll "switch" my mortgage to another deal with them or another bank at that point, and every 2 years or so thereafter until it's all paid off. This is precisely the thing that caused the US mortgage crisis. It's hard to refinance your mortgage when A) rates have gone up so the refinanced rate is still more than you can pay, and/or B) the value of your house has fallen, so you no longer have enough collateral to get a same-sized loan. Throw in C) you're unemployed so you no longer qualify for any loan at all, and you have a recipe for the collapse of an entire modern industrial country's economy for five to ten years.
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Jun 1, 2017 21:48
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This looks pretty nice.... agh what the gently caress?
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Jun 1, 2017 21:51
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Such an astounding percentage of canada GDP is tied up into housing now, far more than the US ever had, it's pretty much our main industry right now. Canada has hinted it was going to raise rates for years but never does because no one wants to be the government in power that "caused" the bubble to pop, so instead every year there's a new silent bailout, a new tax break, a new "first time" home buyer grant and so on, anything to keep kicking the bubble down the road. It's been going on so long that people treat it as the new normal. "They said the bubble was going to pop 5 years and yet the house market is hotter than ever! new normal!"
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Jun 1, 2017 21:52
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Hmm so my RCD is still tripping at random intervals - once last night at who knows what time, once when I got home but before I'd actually turned anything on, then fine for ages with a load of stuff switched on (washing machine, tv, lights, oven) but then tripped when a single table lamp was switched on on the kitchen circuit...but then fine once reset and the same lamp was switched. Would a random trip out be caused by having a circuit linked to an earth on the RCD but a neutral that isn't? I'm wondering if when the electrician rewired for the lights that will go into the new ceiling (replacing the old wires which were a mess) he linked them to an earth on a different circuit that is tied to the RCD. I know that the lights in there were not on the RCD before because a couple of the other lighting circuits aren't either and if they're on a neutral that's not on the RCD but their earth now is it could cause an imbalance whenever anything else on the RCD switches. Does that make any sense? Everything on RCD trips says "it's a faulty appliance or socket, turn them off one by one" which is why we figured it was the plasterer's radio, but there's no pattern at all with this so far. I really don't want them to have to pull down an entire brand new plastered ceiling to re-do the wires :-(
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Jun 1, 2017 22:07
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Wasabi the J posted:~but the value of authenticity~
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Jun 1, 2017 23:01
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`Nemesis posted:This looks pretty nice.... agh what the gently caress? Converted to single family from a duplex?
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