Well, I finally found some inexpensive kitchen cabinets suited for a home office. They are Aristokraft, in saddle oak. They are very plain, and are made of particleboard. But I don’t care– I don’t need a solid wood desk and the simple style suits me. The cost of the three cabinets with countertop was a fraction of the price of a new desk (one of those cheapo Chinese-made junk desks).

All I’ve got done so far is the bottom half. Eventually, I will build the top hutch portion when I can wrastle up the funds. For now, the base will have to do. Livvy likes it.

The area looks quite empty and sterile. Oh, I have plans, though! I am going to build my own hutch. It will have two narrow bookshelves and a pair of cabinets. Eventually, I will create a huge built-in bookshelf along the wall. I intend to convert the room (living room) into a library, with big wall bookshelves and a gas fireplace.

I also plan on installing crown molding along the top of the ceiling and placing LED white lights in the tray. It will give the room lovely ambient lighting.

The garage, once I have renovated it, will become the new family room where we will have sofas and chairs and the family’s huge assortment of musical instruments.

But before I rebuild the garage into living space, I have to build a barn in the backyard, to hold our power tools and auto equipment. Oh yeah, I’ll be busy for a long time. And then , of course, I still have to renovate the upstairs of the house and the downstairs bathroom….

Sheesh, who knows, maybe by the time I’m finally done renovating, I’ll be too old to maintain such a big house. I can then turn around and sell the place for a nice profit. It sure would be nice to enjoy the fruits of my labors here, though. I’ve spent most of my years living in a dumpy house!

Building My Home Office

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It was our first time Livvy was alone in her 3.6 years she’s been with us. Well, the dogs and the bird were home, too, but they don’t count. I had the webcam set on surveillance (watch this video and it will revolutionize your thinking about the simple webcam!!!) and Livvy mostly sat by the back door and in my desk chair, waiting for us. Nearly broke my heart. I couldn’t bring her with us this time, though. We were staying at a nice hotel and would be strolling through caves during the day. Not exactly a cat vacation. Should we ever gear up with eureka tents and go hiking again, maybe I’ll bring her….

But Livvy survived and she is all lovey and cuddly now. Hey, I could get used to this!

While we traveled through Schoharie County, we saw many, many homes devastated by the flooding from Hurricanes Irene and Lee. These folks were hit the worst– bridges and homes and barns and cows just floated away. This is a rural area where money is always tight and work is always hard. New York’s Upstate economy really shows here, and then the floods came and made bad to worse. I saw some homes that were skeletal, just barely able to stand upright.

Lots of our photos were taken from the moving car, so they didn’t turn out very well. We saw yards filled with garbage bags and strewn tree limbs, boulders and rocks in weird places, and bulldozers everywhere.

In one area, I drove past a small group of trees on the bank of the Schoharie River. The trees were literally covered with tons and tons of white feathery strips of what appeared to be toilet paper and paper towels (me being a suburbanite). As we rounded the bend, we saw that the white stuff was not toilet paper. It was the plastic wraps that go around hay bales. Large hay bales were clogging one area of the river bank, and great strips of the shredded white wrapping hung from the TOPS of the 20-foot trees. My heart ached for these folks. Wow.

Yet what makes this area so remarkable is the amazing cheerfulness of the people. EVERY SINGLE PERSON I met was cheerful and generous. Even when they spoke of their losses (some folks lost everything on the first floor), they smiled and said, “Thank God, no one was killed” or “It’s just stuff.” Now that’s an amazing community. No self-pity and wailing for government help. Help is welcome but these people weren’t going to sit on their tears and wait for FEMA. They just sucked it up and are starting again. And wherever we traveled, the folks were so generous. The coffee shop gave us two free coffees. The hotel gave us a free breakfast. The New York Power Authority Visitors Center gave us free coffee travel mugs and light bulbs. I can only admire their generosity, grace, and happiness. I also wonder if Schoharie County has the most churches of all New York’s 62 counties, because it seemed there was a steeple peeping out from the farms and forests every mile or so.

Houses come and go but communities are what make or break a town. It’s good to be home again but I can’t get those folks out of my mind. I understand flooding problems– yes, indeed. But I’ve never had to rebuild EVERYTHING like these folks have. Ya got guts, Schoharie County folks. God bless you all.

Good to Be Home

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Fargo, North Dakota, is actually seeing a boon. USA Today reports that the population and economy has surged to record levels. I’ve read similar stories for a few other areas, too.

But here in the Rust Belt, the economy is poor because of TAXES not because of lack of home buyers. The mathematics of trying to sustain a top-heavy public sector by an over-taxed, aging private sector always pans out to be a negative. It’s still too early to tell if any of these states (New York, Ohio, Michigan, Massachusetts, etc) will really change their ways. So people are “voting with their feet.”

But the folks who are left are snapping up the properties left behind (although, in urban areas, the governments are buying vacant properties). I was recently talking with an acquaintance who has– in the last 5 years— purchased a dozen properties. He’s rented them all out and become a landlord. And he’s been so successful that he no longer needs to work his regular job anymore. That’s pretty neat. I think he’s even been able to afford a vacation to Maui!

As for me, I’m just “small fry.” I like owning one home (I have enough to do around here!) but if I ever got a windfall with money left over, I’d probably invest in real estate. I’d probably rent it out to tenants or even as a vacation home (according to Forbes, vacation rental properties are VERY hot right now, especially in cities). It’s an interesting shift.

So I don’t give a whole lot of weight to the constant nay-saying that the housing market and US economy (which is built on the housing market) is going under. People are just shifting priorities. People don’t need to constantly build build build new houses. I am very much in favor of making do with the houses we have. So the “house-building boom” of the late 1990s is over. That doesn’t spell the end of the world. There’s a WHOLE market out there of renovators, people who want to fix up their old homes and spark the economy in that way. But sales and income taxes are too high in some areas. Let’s see what happens….

Real Estate Still Best Investment

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Anyway, I recently read an interesting article at MSN Money about remodeling versus moving. According to the article, “keeping up a home for 30 years may cost you up to four times its purchase price.” I don’t know if that’s true. It definitely isn’t true for me– although we got our old house at a deep discount because it was in such poor shape. But we have done 99.9% of the work ourselves, and have saved a bundle of money so doing.

But it seems that the housing market is still a little slow. Eons ago (so it seems), owning property was THE bets investment you could make in America. Maybe that is still true, but the return on investment seems to be a lot lower the past 20 years. Here in my area, Central New York, Zillow.com recently hailed a local city as the number 1 place to buy a home, based on affordability and value. But the housing market here is “eh.” Our entire local economy is based on refugees coming in from the Slavic and Asian nations. Our situation is a LOT different than, say, La Jolla, Saratoga or De Moines.

How’s the housing market in your area? Lots of “For Sale” signs, lots of foreclosures or empty houses?

How’s Real Estate Where You Are?

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So far, spring is nowhere in sight...

In other news, we got approved for a home equity loan! HURRAY! I used credit cards and cash for the renovation expenses last summer. The cards had good promotional rates, which have now ended. So we applied for a loan and got approved. I like the scheduled payments, I like the routine. I’m praying with all my heart that we can get this loan paid off very soon, because we have the entire UPSTAIRS of the house to do yet!! Then, we tackle the exterior– we’ll need a new roof, new siding…. *sigh*

I am relatively new to home equity loans. Any kind of loan, especially on my beloved home, makes me nervous. Unfortunately, we don’t qualify for any VA Mortgage Loan or Streamline Refinance Program (that I am aware of, anyway). One of my out-of-state relatives raved about his Virginia VA Home Loan, but not for us. Oh well. It’s all out of pocket, all on our own. It is a REALLY gratifying feeling, though, to see your home’s value skyrocket because you sweated it out one summer. I am so proud of my kids, who helped with our renovations– thanks to our persistent work, we increased the value of our home AND “earned” money enough to refinance everything with a little extra, too. No wonder it’s called sweat equity! I am so thankful for my kids. I couldn’t have done this without them. And now, of course, comes the paying it all off!!! Which reminds me, I better get back to work….

The Tweeners

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