Category Archives: House

Some Positive Economic News, At Least for Me

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I used to listen to National Public Radio a whole lot more.  When we moved to this house we did not put a radio in the kitchen, and that is a place I like to listen.  When I am whipping up some tasty meal, I can hear what they have to say.  This morning I was whipping up four-berry muffins and I wanted to listen.  But no radio.

Actually, that is not true.  We have a radio in the kitchen.  It is a wind-up generator radio.  Wind the crank and it charges the battery.  It works great, but the battery does not last long.  I need to keep winding it.  And winding it.  I want to use this radio.  I like the idea of listening to an electronic device without using electricity from the grid.  But, I admit, I rarely do.  I don’t want to keep winding.

There is another option, however.  This radio has the option to charge the battery with electricity from the grid.  Plug it in and charge and off we go.  I could keep it plugged in and listen as long as we have power.  This morning I decided that I was ready to choose that option.  The problem, however, was that I haven’t ever used the power cord.  And I had no idea where it might be found.

This took me to the basement.  Our basement is still full of boxes and baskets and bins from when we moved to this house two and a half years ago.  We slowly empty them and slowly bring new ones down.  The result is clutter stasis.  So when I go to look for a power cord, and I know I just saw the box full of them down in the basement recently, I get stymied.  I can’t find doodly-squat down there unless I get lucky.

I searched and searched to no avail.  I did bring up a mason jar to use for the bulk popcorn I just purchased at Healthy Living, so the voyage to the underworld was at least worthwhile for that, but I never did plug in the radio.  And, to bring this around to the point, I saw an envelope on the floor.  The envelope contained two $50 savings bonds.  Why it was on the floor was a mystery, but I figured that was not the ideal storage location for paper that had any value, due to the occurrence of mildew on such floors.  And so, in my wisdom and readiness to take action, I picked it up.

Now I was fully distracted from finding the power cord.  I had a jar to wash and some savings bonds to check out.  With the savings bonds in the envelope was a letter from the Hartford Courant.  It noted how my service as a newspaper carrier was superb, blah blah blah, and here was a token of appreciation.  I only received one savings bond with that letter, as I recall.  The other came later.  I decided I should find out how much they might be worth these days.

I turned, as is the norm in our house, to the internet for answers.  Ten years ago I might have just wondered about it and found a better spot for the envelope, but now I’ve got Google.  Google led me to the government web site with information on savings bonds, including a calculator to tell me the value of my investments.  As I have mentioned, two of my traits are wisdom and readiness to act, so I used the calculator.  I found out the bonds’ values and also learned a few things.

One of the bonds, issued in 1981 (have I actually held onto the thing for that long?) is worth $131.  The other, issued in 1986 (same question) is worth about $85.  That seemed a big difference for issue dates only five years apart, so I read more.  It turns out savngs bonds earn interest based on when they were issued, and the interest rates can vary quite a bit.  I couldn’t find interest rates for the earlier one but I did learn that the one issued later has a minimum rate of return of 7.5%.

That made me look twice.  Did it really say 7.5%?  Who gets a guaranteed rate of return of 7.5% these days?  You’d be lucky if you could earn 4% on a CD these days.  The rate chart only went back to 1982 but the rate on the bond from 1981 must be higher.  Get this–the highest rate I saw on the chart was from 1982 at 13.05%.  And this is supposed to be a safe investment.  Safe indeed.

So the good economic news is that I have $216 worth of savings bonds, and I have two years before the first one stops earning interest.  Considering these were purchased for half face value, that is a fine rate of return, especially since I didn’t purchase them myself.  Now, we’re not talking a huge amount here, but by 2016 I can cash them both and do something with those earnings.  Of course I will probably just reinvest them.

So it is good to know that I’ve got something, a little buffer, sitting in that envelope.  I keep reading bad economic news.  Here, at least, is some good news, if only for me.  Now I need to go get that fireproof safe I have been considering for years.  Then I can really stop worrying.  At least about a few things.  Then maybe I get on top of all the crap in the basement and, finally, I’ll be able to listen to radio while I make muffins.

Solar Class Take Two

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I went to the second of three classes last night to learn about photovoltaic power, presented by Gary Beckwith of the Solar Bus.  I learned a few things.  I feel that I have a good basic understanding of solar power but there have been lots of holes in my understanding.  Those holes are getting filled in.

Here is one thing I learned.  I had the idea that a grid tied system meant you would generate your own energy and what you did not use would be sent back to the grid, and you would get paid for that power.  If the power goes out, you still have power.  Not so.  With a grid-tied system, if the grid goes down, so does your system, so no power, even if the sun is shining.  This makes sense from a safety perspective.  If the power goes out and someone is working on the power lines, they might get shocked if your system is sending power out.

You can set up a battery back-up system, but this needs to part of the plan from the start.  Modifications are not simple.  An off-grid system relies on batteries.  Any electricity goes into the batteries and you always draw from the batteries.  With a “hybrid” system, electricity comes from the panels themselves and the system only draws from the batteries if the grid is down.  Phew.  Who knew things were so complicated?

I also learned that Vermont’s incentives for installing solar power only apply to grid-tied systems.  A self-contained system won’t qualify for any tax credits.  And not only does the system have to have the ability to feed power back to the grid, but it needs to be installed by only qualified installers.   No DIY of you want to get a tax credit.  Maybe that will change.  It seems silly not to offer tax credits to any system that reduces fossil fuel use.

If we made some efficiency changes a system for our house might cost $20,000 before any tax credits.  We talked last night about how long it might take to make that back.  Who knows, really?  It would depend on lots of variables, but we are talking twenty years before the energy would be pretty much “free.”  Of course, we wouldn’t do it just for financial reasons, but it would be nice if the cost were a little lower.

Gary thinks that even if we made no changes in technology, the cost of solar systems could be cut in half just with increased production and economies of scale.  But not enough people are creating demand because the systems cost too much.  A Catch-22.  I would love to see increased tax (or other) incentives for installation of alternative energy systems.  Then perhaps we really could make the investment.

I would love to install a system that integrates a wind generator and solar panels so we could generate energy most of the time.  I’ll see what our last class has to offer.  Already, I have enough information to think about solar energy in a more informed way.  One of these days, we will take the plunge and make it happen for us.  When “one of these days” might be, well, that remains undetermined.  Until then, I will continue to try to just use less energy.  That won’t cost anything.

Busted Garage Door

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I guess I can’t say that the door itself is busted.  That actually seems just fine.  But one morning my wife tried to open it with the remote opener and Crack! Ptwang! a cable went flying and the thing wouldn’t open.

The cable was unattached at the upper end on one side, so the door doesn’t have enough pull, so to speak, for it to open on its own.  It needs some manual assistance.  Kind of a pain, but workable for the short term.

I took some time today to fix it, but no go.  There is a big fat spring that provides some major leverage.  That spring is busted.  A hook at one end is just plain old cracked, wrenched, split.  The piece that connects it to the other piece just isn’t there.  I couldn’t find it.

What likely happened is that ice was holding the door to the floor.  The previous owner had warned us of this.  “I put a little salt down,” she told me.  We never put a little salt down.  Until today, of course.  Now that the door is busted, that will help only so some extent.

This is one of those boy-that-was-stupid-situations.  Some rock salt is certainly cheaper than a house call to have someone fix the dang door.  Live and learn, eh?  I guess we keep some local business in the black by calling them up and asking for some service.

At least no one got hurt.  Isn’t that what a responsible parent is supposed to say?  So I said it.  I still feel stupid.

Bouncing Interest Rates

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We have been thinking about refinancing lately.  You know, get a lower interest rate and save tens of thousands of dollars over the next way too many years, not to mention pay less every month.  We are one of the lucky few to be eligible for the best rates so we have been on the lookout.  It hasn’t worked out quite yet.

Our current interest rate is 6.125%.  That isn’t bad.  We were certainly happy with it when we got that big old loan to begin with.  But then rates dropped.  The first time I really looked, about a week ago, the best rate for our loan holder was 4.75%, according to the web site.  That was less.  I got on the phone to talk to someone about what all this means and what it might cost and while I was on the phone the rate rose to 5.125%.  Of course, I had to wait about 20 minutes on hold, but I didn’t think it would change that much while I was listening to the muzak version of Journey’s greatest hits.

I asked about this, of course, not being one to simply accept that things are the way they are.  The customer service rep told me that interest rates get posted four times each day, and so might change four times on any given day, or not.  She suggested I sign up to get an email when rates drop to the lower interest rate.  I thought that might not be a bad idea.

Interest rates did go down.  I never got the emails telling me this because they got sent to my spam folder.  So the email I most wanted to receive and had asked to get were being junked, while the ones from Melissa Jane Mastel promoting events in upstate New York keep getting through even though I have labeled them as junk scores of times.  I guess I need to accept things are the way they are more often.

Anyway, rates dropped, then dropped again.  They went down to 4.625%, which meant we would save 1.5% off our current rate.  Sign me up.  I called last night to nake it happen and got a message saying the wait would be an hour and a half.  That was bad timing, given the need to get the children to bed and then eat a large bowl of chocolate ice cream.  So I waited.  By the time I was ready to call them back  it was 8:01 PM.  They closed at 8:00 PM.

So I looked again this morning.  Rates were up to 4.75%.  I called and got a wait time of 20 minutes.  After 40 minutes, I had to go, so I hung up.  Then rates rose to 4.875% and ended the day at 5.125%.  What’s up super ball?  Stop bouncing around so much.  So we are right back where we were when we started looking.  Do we do what we can to take this rate now?  Or do we wait to see if rates go down again?  What if they go up?

I know they won’t change until Tuesday, since the markets will be closed, so we have some time to think about it.  We don’t want to change our lender.  They seem to have the best deal, and they certainly have the best customer service (aside from the long wait times).  I guess we wait and see.  We missed out on a way low rate and I won’t let that happen again.  Now that I have been paying attention for a couple of weeks, I understand things a little better.

I just hope that rates keep dropping.  The national average dropped to its lowest ever yesterday, so I am hopeful.  But whatever.  It’s only tens of thousands of dollars we’re talking about.  It’s not like I plan to retire.  Ever.  Or send my kids to college.  I’m thinking that maybe I can harness the power of the cold to make some extra cash for those things.  It was -20 this morning so if I can do that, maybe the kids can avoid the low-paying job after all.

Garage and Windshield Wipers

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Our thermometer read zero when we rose this morning.  It read 32 when I went to bed.  That’s a drop.  I walked my daughter out to the bus and we were glad to have snow pants and neck gaitors.  A breeze blew.  The snow squeaked.  It wasn’t a day for the bus to be late.  It was early.

Soon after that I headed to work, sans snowpants.  Well, I did in fact toss them in the car.  You never know.  My legs were cold just walking to the garage.  And this is why we have a garage.  The thermometer in the car (a feature worth having let me tell you) read 20 degrees.  Let me say that again, 20 degrees! That is a twenty degree difference between the outside air temperature and the unheated garage temperature.  That makes having a garage a huge bonus.

And here’s another thing:  no scraping.  When the air gets icy and I’ve got to leave early, that’s when I forget that I need to scrape the frost.  But with a garage, no problemo dude.  No frost to scrape.  It is warmer, I don’t have to scrape, I can get in the car without getting wet in the rain.  It is awesome.

When we bought this house we weren’t looking for a garage.  We knew it would be a good thing to have, but baby I’m so sold on it now.  How cold I ever go back?  Hopefully I won’t have to.

My only problem now is my sucky windshield wipers.  I paid extra, for the first time ever, to have someone else install a set for me the last time I brought the car in for service.  I figured I just wanted to get it done, so I didn’t do it myself.  Way to go Economy Boy.  They sucked from the beginning, and they still suck.  No matter what I have done to adjust them, they streak like nuts.  And on an icy day like this, with salt and crap getting kicked up, I need some wipers that do the job.

Even my awesome garage won’t help with that problem.  I just need to suck it up and get another pair.  I guess it is better to pay a few extra bucks than to crack up because I can’t see what is coming at me.  That would really make some poor financial sense.

Christmas Tree Still Up

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January 9.  The Christmas tree is still standing.  Decorated no less.  That’s 42 days it has been indoors.  Dead no less.  It will come down this weekend, tomorrow or the next day.  So it will get at least 43 days of glory, dressed in the best we could offer–shiny glass and steel and plastic.  But it will be a fire hazard soon, if it ever wasn’t one.

Now we will have a little more space in the house.  And we will use a little less electricity.  But it has been nice to have around.  Maybe we can put something else in its place.  A basket of fruit?  A cardboard cutout of Chewbacca?  A bean bag chair?  Maybe a pile of attractive rocks?

Nah.  Let’s just get this thing out of here.  Come spring it will fertilize the blueberries.  No need to waste a perfectly good untrimmed Christmas tree, no?

Sublimation

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Finger Painting

Finger Painting

It was a chilly one this morning. Frost covered everything. Snug in our house, we realized it was so cold when we looked at the thermometer right before I went out to haul in some firewood. The thermometer had a low number: 3

It was beautiful when the sun rose. Frost covered everything and the low red sun turned the thick ice pink. Milton’s rosy fingers of dawn tickled the landscape.

Frosty Twigs

Frosty Twigs

More Frosty Twigs

More Frosty Twigs

Snow Piled Up

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Snow on the Roof

Snow on the Roof

We got lots of snow over the past few days.  Today the sun shines.  I have been noticing how the snow has gathered on roofs.  On many of them, it sits in even layers.  On some it lies deep on one side and shallow on the other, the wind having brushed it off on the east side.  Some sport wavy combinations of both.

I keep watching the forecast.  It looks like rain tomorrow.  After all this snow, that is hard to take.  It is a bother on any winter day, but to get rain on top of all this amazing snow on Christmas Eve, well, that is a straight up bummer.  If we get rain, we will still have a fine holiday.  And if we don’t I will consider it a gift.

Until then, I’ve got some admirin’ to do.

Deep on the Eave

Deep on the Eave

First Ski Day

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Brian Jenkins Burlington Free Press

Brian Jenkins Burlington Free Press

Today was opening day at Bolton Valley so we headed up there for some early skiing.  We had a blast.  We took only a few runs (the kids are still getting their ski legs on) but got the feel of it.  I even got a few turns in on my own while sliding down the trails with my daughter.  I had my first spill as I tried to take a small jump ( I landed it but ate white with my first turn).

We stayed warm enough and the place was not as packed as we thought it might be.  I had the impression that there were just as many people there as on opening day last year but somehow things ran more smoothly.  Everything just seemed to flow a little better.  We got our passes in just a few minutes, didn’t have to wait in line for the lift, found a place to park, even found a spot to put on our boots with no problem.

Once we had fun on the slopes we headed around the corner.  We lived up there for over a decade and we wanted to check out our old house.  We designed and built it one summer and fall, and it was an odd feeling to leave it.  It turns out that the new owners added a couple of touches we had wanted to add ourselves but did not–a large front porch and a small roof over the front door.  It looks great.  It looks better on the outside than it ever did when we lived there.

It was a great place to live and both of us felt we could be happy up there still.  Winter up there meant we were in the place to be.  We always had snow on Christmas, but we couldn’t have much of a garden.  One can’t have everything, but it sure was nice to put on boots and walk up the hill and take a few runs, all without driving.  Ah, but how about that popcorn we grew this summer?

Tomorrow we will likely head up there again, get the itch scratched for the weekend.  We will have to load the car and drive up there like everyone else.  For now, that’s what we’ve got.  Yesterday I was outside while my son stomped around on the frozen garden.  I started mentally planning what we might grow next summer.  Some days I ski.  Some days I pull weeds.  That isn’t easy to do all in one place.  As for tomorrow, I may spend some time thinking about gardening, but one should ski while the snow is on the mountain.

Fire in the Stove

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When I was growing up we had a wood stove to heat our house.  Mostly, this was an economical choice.  It was a lot less expensive to burn wood than oil, especially in our old house with its old furnace.  It got me hooked, however, not just for its penny-wise benefits, but for the heat it produces and the process it requires.

Back in the day we would get a truck load of logs delivered to the house and prep it all summer.  A full-sized logging truck would back down the driveway and unload with the claw.  I remember raising the power line to the house with a long board (safety first!) so the truck would fit under it.  Then we had a pile of logs to cut.

At first my dad did it all, but then I was allowed to help out.  I used the chain saw at some point and I definitely helped split once we had stove length pieces.  We borrowed a homemade log splitter from John Coile, one the tallest men I have ever met, and spent days busting them into logs that would fit into the stove.

We then, of course, had to stack it in the wood shed, rotating through the dry stuff from the previous year.  It was, indeed, a lot of work.  And we still had to start and maintain the fire once winter came.  It saved us money, sure, but I enjoyed all that work.  I learned to love to split wood.  And I learned how to start a fire and keep one going.  Now, married and with my own children, we have a stove and we keep it fired up.

It does save money.  We might get a tank refill of propane that costs us as much as a cord of wood.  We save hundreds of dollars each winter.  I like that the resource is both local and renewable as well.  It produces more greenhouse gases from our house, but probably fewer if you account for extraction and transportation of fossil fuels.  What I really love, however, is the ritual if it all.

I love to rise early on a cold morning, the house chilly, the clouds low, and crank up a fire.  I love to sit next to the stove with a book.  I love to feed the stove, carry in wood, split logs into kindling.  It is more work than turning the thermostat dial, but not all good things come easy.  I have no expectations that heating with wood is simple or takes little labor.  It is a task.  I emptied the ash bucket for the first time this winter, for example.  I had forgotten about that task.  Even that, however, helps us build compost when I dump the ashes on the compost pile.

We have a fire in the stove right now and I sit next to it as I write.  We have enough kindling and firewood indoors to start a fire tomorrow.  We will be warm when we head to bed and the house will cool as we sleep.  When we are gone during the day tomorrow, the propane will kick in.  I can live with that.  When I get home after a day of work away, I will pile up some wood and take a match to it.  Then I will warm my back and know that we will stay toasty, even in the worst of weather.