Coffee heat rising

Kitchens

Frugal Scholar is doing an interesting series about her experiences remodeling a kitchen on a budget. I love it! I seem to have spent my entire life remodeling houses, and so I’ve developed some strong opinions on the subject. Frugal proves how brilliant she is by happening to agree, more or less, with those ideas.

Kitchens and bathrooms are just about the most expensive remodeling jobs you can do, short of ripping off and replacing a shake roof. Much of it is stuff you can’t easily do yourself: plumbing (especially having to move plumbing!), wiring, gas connections in ancient houses.

Over the course of years, I’ve learned a number of things that help a little to keep costs under control:

If cabinetry is functional, consider painting instead of replacing.

It’s a lot cheaper to have a skilled finish carpenter build a few cabinet doors with glass in them than it is to replace the cabinetry in your kitchen because you think you’d like glazed doors in some wall cabinets.

Sometimes less is more. If you have storage space in the garage or another room, or if you can bring yourself to get rid of stuff you don’t use much, you can open up a kitchen by removing certain cabinets altogether.

Don’t run with the herd. Just because something is radically popular and every designer in sight is using it (think avocado green appliances…think black granite countertops) doesn’t mean it’s especially desirable.

Try to build and design with materials and colors that will be timeless. Avoid products and colors that are currently “hot.” Something that’s stylish now is likely to cause future visitors to sniff, “Oh, she did that in 2010!” A dated kitchen can make it hard to sell a house, or to get the full price you think it’s worth.

Hire licensed and bonded contractors. Let me say that again: hire licensed and bonded contractors! Even if Joe Handyman does a decent job, a kitchen or bathroom that is not to code may have to be rebuilt before the house can be sold.

That said, one surprising job can be done by a good handyman or a strong, handy homeowner: installation of ready-made or custom-sized cabinets. If you’re buying cabinets from Lowe’s or Home Depot, check around. Many handymen will underprice the big-box stores’ installation fees, and the job is not at all complicated.

Get bids. Get lots of bids. It never ceases to amaze me how widely fees vary for plumbers, carpenters, tile-layers, painters, and electricians.

It may be worth paying to join Angie’s List for a year, if it’s available in your area. I found several excellent craftsmen through this site, including the Adirondack Chimney Sweep. Be aware, however, that many of the recommendations are redundant, and there’s nothing to stop a craftsman from putting all his friends and relatives up to sending in ecstatic (and phony) reports. Get real-world references, too.

Pay to get mid- to top-of-the-line appliances, but pay for function, not style. Prefer mechanical controls to electronic, because the latter break sooner and are more expensive to repair. A repairman told me that the cost of appliances no longer relates to their quality or longevity: he said that all kitchen and laundry appliances are now engineered to last no longer than about seven years. Thus it doesn’t make sense to pay extra for fancy gear, which likely will say good-bye long before you sell the house. This is especially annoying if you’ve bought a stove or refrigerator because it’s the height of fashion; in seven years, that style will no longer be in production and the replacement won’t go with your carefully crafted design.

Check Craig’s List and estate sales for building materials and late-model used appliances. The washer and dryer we bought off Craig’s list for M’hijito’s house are higher quality than the ones I bought for myself new, and they’re still running fine. At an estate sale, I scored over 1,000 red bricks for about 10 cents apiece, far less than I would have paid at the brickyard or Home Depot.

If you actually cook (rather than microwave or reheat) and your house has gas heat but an electric stove, consider springing for the cost of having a gas line run into the kitchen. Gas is so far superior to electric—especially to those obnoxious glass-topped things—that there’s no comparison.

Once you have gas in the kitchen, there’s little reason other than ego gratification to buy an expensive eight-burner heavy-duty Viking chef’s stove. Any stove will do the job just fine. Take a look at the ordinary stoves and stovetops at Sears, Lowes, and Home Depot. They cost enough to prove to the world that you’re not headed for the poorhouse, but they won’t take so much of your money that you’ll end up feeling foolish.

If the house has a built-in oven plus a stovetop, leave the electric oven and convert only the stovetop to gas. Electric ovens work as well as gas for their purpose; it’s the stovetop burners that really matter.

Keep every warranty that comes with every item you buy.

The last remodel job I did was at M’hijito’s, a 1951 brick cottage that ultimately required us to gut it out and rebuild everything. It was very expensive. Even though we cut every corner we could think of, we spent over $35,000, all told, on the interior (kitchen, two bathrooms, installation of antique doors and French doors, saltillo flooring throughout, window treatments, paint). That doesn’t count the roof or the new air conditioner. Or the landscaping.

Our biggest mistake was hiring a handyman who was not licensed and bonded. We came across him when he was working on the house next door, and the owner recommended  him highly. He was doing essentially the same work we wanted done, so we imagined he could or would do the same for us. It was a huge mistake. We were very lucky he didn’t do serious structural damage when he cut large holes in a bearing wall to install the French doors. So far, that seems to have gone all right, but other jobs he did really need to be taken out and redone. Ultimately, because he was very slow and took on other work in the middle of the job he was doing for us, leaving us high and dry for days and even weeks at a time, we had to fire him and find someone else to finish the work. That was quite the little headache!

If I had it to do over, I would buy the cabinetry at Ikea or Lowe’s rather than Home Depot. Ikea cabinetry is problematic because the doors do not join the way American cabinet doors do, so you can see the shelves through the crack where the doors come together, and because the system used to attach them to the wall is idiosyncratic. You need to get a workman who knows how to install them, or else you have to be very clever and very patient at handyman work yourself. I’d never buy cabinets at Home Depot again: sales staff were slow, difficult to deal with, and on two occasions downright rude not only to us but to fellow staffers, and the cheaply built products came missing parts—two cabinets still don’t have all their shelves.

All in all, the remodel job on the downtown house produced a very nice place to live—pleasant enough that if M’hijito has to move while the recession is still on, I would cheerfully sell my place and move into that house. But it’s worth noting that after the remodel job I did on my last house, the reason I bought my present home is that the previous owners did all the remodeling…

The joy of installing new plumbing in old houses

Typhoon! Are you insured?

Head for the bunkers! Batten down the hatches!!

The local Play-Nooz is having a field day with today’s rainstorm. Now we’re being told there’s a tornado watch in effect until 10:00 p.m. HO-lee mackerel!

Well, when you go to the National Oceanic and Atmospheric Association’s weather watch pages, you indeed find notice of a hazard…in the low to moderate range. Probability of a serious tornado: oh, maybe 5 percent.

LOL! Brings to mind the time the local TV stations told us a typhoon was bearing down on us. Right out of a sapphire-blue sky…

We do occasionally get some pretty spectacular cyclonic winds. If you’ve been reading this blog for a while, you may recall the grand storms of the summer before last, which hit the central historic district hard and flattened a beautiful old downtown home.

Because houses here by and large are cheaply built, it doesn’t take a tornado to wreak serious havoc. A few years ago one of my students was put out of her home with her family—husband, two small children, mother-in-law—when a fairly ordinary thunderstorm took ahold of the  central air-conditioning unit and ripped it right out of the roof. Subsequent rainshowers poured  in through the hole, destroying most of the house’s furnishings and interior.

But genuine, certifiable twisters are rare as hen’s teeth. About 25 or 30 years ago, one did touch down in central Phoenix—right on top of a friend’s veterinary practice. It effectively leveled the building. The insurance company tried to deny that the destruction was caused by a true tornado. When that detail came out in a newspaper report (in those days, we had reporters who worked for a newspaper that reported news, quaintly enough), someone who lived in the area came forward with a photo of the thing. It was undeniably a tornado, headed straight for the Alta Vista Veterinary Hospital.

So, it’s a good idea to be insured for any eventuality, even if the risk seems remote.

And in getting coverage, it’s important to understand what specific events your policy covers. Some homeowner’s insurance, for example, requires extra coverage for events like hurricanes, floods, or earthquakes, either as a rider or in a separate policy. And you should be sure that you understand whether your policy covers replacement costs (the cost of buying new stuff to replace things that have been ruined) or actual cash value (the amount you could have gotten on Craig’s list for your moth-eaten sofa and your ten-year-old TV).

As I was writing this, La Maya called to say her sister was on the phone from Yarnell: the arroyo behind the house is running, big-time, and the water is halfway up the slope to the back door. They’re packing now, in case they have to evacuate. La Maya, who owns the house and rents it to her sister and BIL, said she felt very glad that she had  just sent in the $800 premium for the extra flood insurance.

Pay the insurance bill and pass the ammunition!

Classic Arizona Road in Rain

Yes, Virginia, it does snow in Arizona.

Images: Tornado in Central Oklahoma, May 3, 1999. NOAA. Public Domain.
Arizona road and snow at Mormon Lake: Not so much


Weather

So…do you risk your life, limb, and (even more precious) your beloved wheels for two hundred bucks?

Raining here. Raining, raining, and raining. It’s almost 8:00 a.m. but the skies are no brighter than the dusk of predawn. The pool water is up to the coping. If it rains steadily for another two days, as predicted, the pool may overflow. Make that will overflow, if we get the prognosticated five to ten inches of rain. No sign yet, mercifully, of the 50-mile-an-hour winds that were supposed to accompany this storm.

One of my client editors expects her page proofs back by tomorrow at the latest, a very easy job for which she will pay a couple hundred bucks. I just finished reading them about 5:00 this morning. Tomorrow I have to teach, 12 miles in the opposite direction of her office, which at the outset is far enough, thank you, from my house. I really, really, really do not want to drive from north Phoenix to central Scottsdale through a downpour over roads that flood in a light sprinkle.

You understand: it doesn’t rain in Arizona (right?), and so we don’t build roads to accommodate water falling out of the sky. We don’t teach motorists to drive in falling water, either.

So high is the hysteria level over this freshet that the police sent out a warning to the city’s neighborhood associations, asking people to stay off the streets or, if they must go out, for godsake to hang up the phone and drive.

Cassie the Corgi, being a smart little dog, feels utterly abhorred by the prospect of going out in the rain to do her doggy duty. When the downpour let up briefly about 4:30 this morning, I decided to take the opportunity to let her into the backyard and wring her out. She decided otherwise. Had to put on her leash and collar and literally drag her out the door.

At any rate, Cassie and the human, in addition to being without visible means of support, have also about run out of food. I put off buying groceries until after the AMEX cycle closed yesterday, so as to put off having to pay until this time next month, when a little money should have arrived in the checking account.

So, in addition to needing to make a run on Scottsdale by way of garnering some of that little money, I also need to stop by a Costco for a major shop on the way home. There’s one more or less on the way. Only one saving grace to that prospect: the store will prob’ly be almost free of crowds.

Yes. Fifty mile-per-hour winds, with gusts to 65. Doesn’t that sound like a balmy breeze? Don’t count on it, though: if we were going to have that kind of weather, it would have blown into town by now. It sounds like more stupid media hype.

You can’t believe much that you hear on the local Play-Nooz. Stürm und drang is the stuff of ad sales, and so the pretend reporters exaggerate every weather report to the point of outright falsehood. Two or three years ago, one TV news operation actually exclaimed that a “typhoon” (i kid you not!) was headed our way!

Typhoon…heeeee!

The day of the typhoon dawned clear, blue, and still. And it stayed that way.

Of course this is terribly dangerous for public safety, because having gotten all worked up for nothing time after time, now no one takes anything they hear on the news seriously. When a real storm comes in, nobody pays the slightest bit of attention, and so the Highway Patrol gets to launch searches for motorists who set off across logging roads as powerful snowstorms roll in and the local cops get to haul people and their cars out of flooded arroyos.

{sigh} I guess I’m not really undecided. I need the money at the earliest possible moment. I can’t afford to piss off that editor by missing a deadline. I’ve got to make a Costco run. And given a choice between charging off to Scottsdale in the rain today and charging off to Scottsdale from North Phoenix in the rain tomorrow after spending half the day in front of classrooms, I suppose today is the lesser of two evils.

w00t! Under budget!!!

A miracle! In spite of the $200 charge to drain and refill the pool, in spite of paying the hair stylist the tip I forgot to give him the last time, and in spite of running amok at Ikea the other day, as the monthly billing cycle ends I’m under budget by $83!

That improves on last month’s under-run of $42.

Yah, I know: microscopic! Click on the image to zoom it to full size.

One explanation for this little success is that I haven’t been driving my car. Without the 44-mile round trips to lovely downtown Tempe and with no trips to the community college, I’ve only had to buy one tankful of gas this month. Also, I’ve stayed out of Costco, thereby spending only a little more than half the food & household budget.

Classes begin this week, though, and since I have a Monday-Wednesday-Friday schedule I’ll be burning a lot of gas—probably more than I used to drive to Tempe, since I had pretty much stopped going out there more than once or twice a week. And I’m almost completely out of food and staples: on Thursday, when next month’s budget cycle resumes, I’ll have to make a major Costco run. That certainly will consume the full $300 for Costco in the January-February cycle.

So, I expect that next month I’ll run over budget. And there’ll be no frolics in the aisles of Ikea!

My Error!

Hey, Senior Choir! I made a mistake in telling you that Funny’s “Truth” post would be up at Free Money Finance’s March Madness competititon yesterday.

Apparently only a couple of dyads go up at a time, thereby drawing out the event over time. That’s different from what I interpreted FMF’s description of the contest to say—I thought all of them went up at once and then went through a winnowing process.

If you want me to signal you when I spot the post in the contest, then on Wednesday let me know that it’s OK to e-mail you with reminders. Another strategy would be to subscribe to Funny about Money by clicking on one of the links in the upper right of the home page. There’s a link to subscribe in an RSS feeder, if you have one, or simply to have Funny’s daily posts e-mailed to you. I will be reminding my readers about this each time a new March Madness post appears at FMF’s site, and so subscribing will put you among the first to know about it.

How much paper do you keep?

The Cremains of the Day

Just finished shoveling bushels of paper out of my file drawers, reorganizing the file system, and incinerating bank statements, credit card statements, health insurance claim statements, investment records, correspondence, and related junk that dates back to the early 1990s.

Before I started, a four-drawer file cabinet in the garage was chuckablock full of old records, and the five file drawers in my office stuffed to capacity.

Now, after a good six hours of feeding paper into the fireplace, after the liberation of 73 manila file folders and 33 hanging files (not counting the ones I reused on the fly), the garage file cabinet is again chuckablock full, mostly with different records. The firebox is filled with ashes. But at least there’s now a little open filing space in the office.

They say you should keep tax-related documents for seven years and tax returns forever. Highly problematic:

a) If you have a side income from self-employment, where the heck are you supposed to find room in your house to store years’ worth of related paper?

b) Once you’ve stuffed seven years worth of trash in a file cabinet, you tend to forget it. Hence, paper dating back to the Pleistocene, fossilizing in the garage.

Some of this stuff should’ve been donated to a local historic archive, not reduced to ashes in the fireplace.

But some of it… ???

You know, some things could come back to bite, even after the magical seven years have passed.

For example, late in the 20th century, a man whose last name (allegedly) was the same as mine somehow convinced my bank and a bunch of his creditors that I was responsible for his debts. I’d never heard of the guy.

It was difficult to get out from under that. You can easily prove that you did something, but you’ll play hob trying to show that you did not do something. The ensuing battle dragged on for week after week after week.

Should I throw out all the correspondence, all the paper trail, all the records of how I went about arguing that I was not a deadbeat? Or at least not that deadbeat?

Then there was the time I made a job offer, with the dean’s written permission, to the Southwest’s pre-eminent graphic designer of publications. She, desiring to do the kind of work our office did, turned down a far better-paying job that would have had her doing advertisements and brochures. Then, after she had passed up the other, far superior opportunity, the College reneged! On a written job offer that she had accepted! In writing!

Well, she hasn’t sued yet, though she certainly should have. But I still have all the documentation. What’s the statute of limitations on civil suits, anyway?

Then there was the endless, incrementally bitter slow-motion war with My Bartleby. My ass is covered there by a 200-page daily journal, written at the behest of the College’s HR representative. This monster fills two hanging file folders and a CD-ROM. Should I keep all that drivel?

She hasn’t tried to make any trouble yet and probably won’t. On the other hand, Bartleby is even crazier than I am. And I’m capable of anything.

In the crazy old lady department, I undoubtedly go way overboard with this business of saving documents. It’s a habit acquired from ex-DH, who, as a lawyer, advised me that we should save every scrap of paper that had anything to do with anything. He wasn’t kidding. At the time I left, he had a collection of canceled checks that dated back to before the start of our 25-year-long marriage. I figured he must know something, he being a fancy lawyer, and so I went forth and did likewise.

And I do have to allow, it was mighty gratifying to be able to produce my original pay stub that time ASU tried to claim I had been working there only fifteen years when actually I’d been there sixteen.

Still…how many times does something like that happen?

I suppose it only has to happen once.

Ah, well. It’s back to work. A stack of incoming paper sits on my desk, waiting to be handled, acted upon, and filed.

Am I alone with this conundrum? How much paper do you keep, and for how long?