First Time Home Buyer Tax Credit Update

Friday, June 12th, 2009

Lew Sichelman posted an article on Marketwatch about the latest update to the First Time Home Buyer’s Tax Credit.  According to Sichelman, home buyers will not be able to use the tax credit for a down payment.  The credit can be used up front for additional down payment, or used to buy the mortgage rate down, but home buyers will have to come up with the down payment on their own.  Read the full article from Marketwatch here:  http://www.marketwatch.com/story/advance-on-home-buyer-credit-cant-be-down-payment

Slab or Crawl

Saturday, February 28th, 2009

The are many differences between a slab on grade / concrete floor and a wood floor system.  The main topics surrounding both systems are heat differences, durability, and future repairs.  Let me start out by defining each in as few terms as possible.

The slab floor is usually 4 inches of poured concrete on top of compacted soil and when finished is even with the top of the foundation wall.  The wood floor is typically built on top of the foundation wall with joists spanning from end to end where possible.  There are other applications of course, but I’m concentrating on the wood floor system that rests on top of the foundation wall.  Let’s move to the pros and cons of each.

Slab: 

  • no steps
  • no squeaks
  • impervious to minor flooding
  • permanent
  • repairs to plumbing very difficult and costly
  • less expensive to install tile
  • stays cold, in floor heating very expensive

Wood: 

  • steps likely
  • squeaks possible
  • may need replaced due to minor flooding 
  • semi-permanent
  • repairs to systems not difficult in crawl space
  • less expensive to install hard woods
  • stays warmer because it’s wood and insulated

That’s the short of it, here’s the why:

The concrete slab makes it possible to eliminate steps depending on the grade around the home.  With a crawl space you typically have steps although there are ways to eliminate those.  With a concrete slab floor you don’t have a crawl space to enter for maintenance, or a place for bugs and possibly animals to hide.  The main issue with not being able to access underneath the floor is that your plumbing is still located underground.  If the plumbing underneath a slab floor were to fail then you have a fairly large job of removing concrete to get to it.  That being said, the instances of that happening are relatively low.  The overall life of the systems below the slab is certainly debatable, but that’s another post altogether.

Concrete is a fairly permanent application with little movement in it.  Like all materials it contracts and expands with the changing temperatures, but it is not generally noticed by homeowners.  The wood floor system is made up of a bunch of smaller parts.  Everyone is probably aware of the squeaks and other noises associated with wood floor systems.  This can be taken care of by proper installation involving adhesive and even screwing down the sub floor, but nothing says squeak-free like concrete.

Heat loss or gain is another area to consider.  The concrete slab lays on a bed of crushed rock and fill dirt.  The only way to maintain heat in the slab is by laying a heating system inside the concrete.  This is fairly expensive in our area since our winters are fairly mild, and it is a practice not used by many.  The colder floors are normally noticed when tile is laid directly on the concrete which transfers the cold to the surface.  There’s no way around it, it stays cooler than ambient temperature.  The crawl space and wood floor system will keep the tile noticeably warmer, although there is a greater expense on the installation of tile on a wood sub floor than on concrete.  Likewise, if you are leaning towards hardwood flooring, installation on wood is much easier than on concrete.  You can nail directly to the wood depending on your product choice, but with a slab, some manufacturers require glueing the hardwood to the concrete which adds quite a bit of labor. 

I have lived on both floor systems with the last 15 years of my life spent on slab floors in three different homes.  For a number of different reasons slab is still my first choice for a one level home.

This article is based on my experience as well as information gained from knowledgeable people in the industry.  The above is the opinion of the author.  I would love to hear your opinions on this topic.

A New Direction

Sunday, February 1st, 2009

Thank you to those that have read my former posts.  I have decided to try to tell the story of a house by describing the construction process of building a home.  I plan on breaking it down in stages.  This is intended for the average person and I will try to keep from using slang or specific nomenclature.  I hope that this topic interests you, construction has taken up the largest portion of my life so far and I do enjoy it.  A previous post entitled “Slab or Crawl” does not start at the beginning, so I will repost that stage in the correct order.  Thanks again!

Next post:  Home design and drafting

Social Networking in a Small City

Saturday, December 13th, 2008

Recently at a Young Professionals of the Tri-Cities event, a representative from the City of Richland, WA was there and asked how they could get more input from the young adults.  As our small city grows, attracting the young adult age group is apparently high on the City’s priorities.  Information from said age group is highly valuable to them as they attempt to make future planning decisions. 

The City’s representative had heard of a few social networking sites like facebook, but currently nobody at the city department has set up an account or tried to connect with residents on other social media sites, including: Twitter, Plurk, Jaiku, and a host of others.  Social media sites are valueable tools that persons in roles such City officials and staff, could use to keep the population informed as well as receive a large volumn of input.  Using Social Media tools was an idea given to the City’s representative.  Time will tell if the decision-makers find it a valueable use of time and resources.  I for one think would be a great first step.

Battle of Epic Proportion

Thursday, September 18th, 2008

Wine Tasting is great, but with a little creativity a person can make it epic.   Last Saturday it became the war of the 2005’s vs. the 2006’s.  They red table wines were great, but it really came down to the Syrah’s.  As a fairly big fan of Syrah and Shiraz both, this was the battle I was most interested in.  The fight wasn’t completely fair.  The 2006 was bottled very recently, but he came out looking sharp with a brand new label.  The 2005 with it’s familiar label and supreme drink-ability was the early leader.  The first two rounds were an easy win.  2006 came out in round 3 and said, “I may be new, but I go down smooth and look great!”  Round three turned out to be an upset for the ‘06.  The next 3 rounds went back to the reigning champion.  The ‘05 just kept churning out a smooth, full-bodied, splendid drought one after another.  This is where it got ugly.  Round 7 started off and ‘05 and ‘06 started to seem like they were pretty evenly matched.  They’re labels were starting to blur together and the judge become a little less choosy.  The fight did not make it past the 7th round when a ruling came down from on high that the fight would not continue.  It was an easy call to make, and the judge realized that the ‘05 would remain on top until ‘06 had some time to develop.  A rematch is most certainly on the horizon.  Thank you 360 cellars for an outstanding contest.