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Old 09-01-2017, 09:27 PM
 
Location: Cushing OK
14,547 posts, read 17,576,166 times
Reputation: 16777

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I was raised in a single family home. Inbetween moving in with my future husband, and then, I mostly lived in a house. But I have lived in several apartments. Some were better than others. But what they all share, all the way up to the one I lived in before moving out to the toolies and my OWN small house, was I quickly grew to hate them. I don't like having people on the other side of all the walls, atleast people I don't know. I like to be in charge of my yard. I hate the sound of gas lawnmowers slicing off the grass down to nearly nothing. And all the rules about what you can do, even inside. I got where I didn't care what it looked like. It was all white and I hate white walls.

When life got better, I ended up with my own very small house. I had to move to a sort of fading Oklahoma town, but my house is my house. I can paint the walls any color I want. My huge old tree in the yard has not had any 'trimming back' since I want it to shade the yard. You have to have an approved fence, but if its still a fence, I'm good. Nobody is going to tell you you can't have one.

Some of us are made to live in space with divided with walls with people on the other side. Some of us will never see any advantages. With a room which is mostly 'storage' my house isn't very big, but it IS MINE, and that makes it okay.

Unless I couldn't get out of bed, I still want and need my space. If 'you' are okay with crowds, great, but I hate the way those like me who like neighbors at a distance are looked upon by some as if we need our programming fixed.
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Old 09-02-2017, 07:03 AM
 
10,604 posts, read 14,229,316 times
Reputation: 17204
Quote:
Originally Posted by runswithscissors
So seriously, don't claim my condo is MORE MONEY than your single family house and how you can "do it all" yourself. LOL. Well, unless I guess you cart your own trash to the local dump and don't do anything more than MOW once a month and let your trees get all huge and messed up etc.

Are you roofers? (just for starters).

Quote:
Originally Posted by craigiri View Post
3 Bed, 3 bath home in Florida on 1/4 acre.
Sarasota picks up ALL trash - included in the sewer and water fee (relatively low) - they will pick up all brush, mattresses and ANYTHING else.

It costs us $60 per month to keep the grass cut. $30 for internet. $60 for the house watcher (and he goes inside - your condo likely doesn't check your place like that).

The house has a flat roof with modified bitumen - it's only 9 feet above the ground, so - yes - I coated it by myself and it is holding fine.

I laid everything out on a spreadsheet and it costs us MUCH less (about 1/2) what most of the condo's in the area do. Plus, I can store my little sailboat on the side, plant a little garden, etc.

We have 12 clay tennis courts 3 blocks away - very low fees (county owned).

Our condo is definitely in a high COL area (Newport, RI).....so, yeah, that's where a lot of the fees go. Labor is about double what it is in Florida....sometimes even more. But while you sit there inside because the "real feel" is 98 degrees, we are basking in the sun at 73 (right now).

There is an arse for every seat....and I own seats of both types. I can deal with each (both types) because I know that in a condo or apt you have to keep in mind that others are close by, etc.
LOL you're not even comparing apples to oranges you're comparing apples to a dead tree branch.

First of all, your post isn't in the spirit of the OP's question since you don't even live here. Or my post either. You bought your 1150 SF SFH (smaller than my condo)...2 years ago and only crash there less than 4 months per year.

You don't have a pool. You don't even have cable. So right off the bat, IF you did - and were comparing accurately - your house would cost MORE than my HOA fees, just like I said. What's the speed on that $30.00 internet? haha.

LOL you even have to pay for your county tennis? I don't pay that for my HOA tennis so that's another COST you didn't factor in from the spreadsheet. Curious why you didn't state your COSTS instead of saying "relatively low" fees. That's the issue when people from places like Rhode Island move here. EVERYTHING is "relatively low" so they don't have any problem boosting OUR costs with their viewpoints.

And sorry, slapping some DIY MB up on your roof yourself is deferred maintenance IMO. Just like avoiding pest control for a frame house. YMMV. OBVS. Also obvious you're an outlier in the >60 age category of retirees who want to do DIY roofing. But YAY it's "holding".

So I guess you got a permit for that roof job? Was it free? Guessing a new MB roof done properly would cost at least $5K so maybe you were just doing an interim reflective coating but it's weird you'd comment on it "holding".

Replacing a roof - permit required?

While it's a fact that not everyone wants amenities, it gets really tiresome claiming to compare COSTS between two vastly different living arrangements by relying on fake news and fake math and fake facts. In fact, to ME, your post is just kind of a fake humblebrag.

I look forward to seeing the spreadsheet ten years from now. IF you ever actually live here, that is.

P.S. Your insurance is WAY more than mine. Even though you "maxed all the deductibles" and I didn't.

Last edited by runswithscissors; 09-02-2017 at 07:22 AM..
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Old 09-02-2017, 08:41 AM
 
659 posts, read 326,172 times
Reputation: 1974
I live in a 3 story townhouse with 1 car garage on the first floor. The $90 per month HOA fee covers landscaping, snow removal, lovely 3 pool complex in the summer, trash, and sewer. I have small enclosed front and back yards that are little maintenance, and a lovely 2nd floor private deck off my spacious kitchen. I have to pay for any outside structural issues such as roof replacement. I'm in a suburb outside a major city (DC); and there are many things to do in the area. Two bus routes stops in front of the complex and the grocery store is nearby, a 5 minute walk. Its really quiet, especially at night, and there seem to be few children around. I really like this home, so I made all the updates I wanted, replaced major fixtures; and then paid off the mortgage 3 years ago.
I previously owned a SFH on 1/4 acre and it was always something to fix or maintain. But I miss my huge perennial garden!

Townhouse living is working for me for now as a single person, but I can envision the day when the steps will be too much.
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Old 09-02-2017, 09:33 AM
 
5,400 posts, read 6,550,585 times
Reputation: 10477
Stairs... I wonder if Medicare covers those stair lifts? Or VA?

Anyone know? If so it does open up possibilities. I would like to be independent as long as possible. (As do we all) but I need people around me too.

Can't say again how helpful this discussion has been. It is nice to have objective voices.

Last edited by theoldnorthstate; 09-02-2017 at 09:46 AM..
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Old 09-02-2017, 06:10 PM
 
Location: Los Angeles area
14,018 posts, read 17,765,919 times
Reputation: 32309
Quote:
Originally Posted by BabyJuly View Post
..............................................

Townhouse living is working for me for now as a single person, but I can envision the day when the steps will be too much.

If you want more reading (much more) on the "stairs" debate, there is a thread in the Health and Wellness Forum (the main one) on that subject. (Hope the link below works).


"I can't climb stairs"
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Old 09-02-2017, 08:18 PM
 
Location: middle tennessee
1,926 posts, read 995,239 times
Reputation: 7002
Quote:
Originally Posted by theoldnorthstate View Post
Stairs... I wonder if Medicare covers those stair lifts? Or VA?

Anyone know? If so it does open up possibilities. I would like to be independent as long as possible. (As do we all) but I need people around me too.

Can't say again how helpful this discussion has been. It is nice to have objective voices.

I had an 80 something neighbor who was worried about not being able to use her stairs due to an attack of bursitis in her hip, so I checked out the stair lifts for her. They were surprisingly affordable and easy to install.


She didn't need one but she felt better about being able to stay in her home after our research.
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Old 09-02-2017, 09:19 PM
 
5,400 posts, read 6,550,585 times
Reputation: 10477
thanks new computer

good to know
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Old 09-03-2017, 05:03 AM
 
Location: NJ
972 posts, read 2,423,989 times
Reputation: 1840
Quote:
The "just move" if you rent is fine... but in reality, just how many times does one want to move as you age.
Moving sucks at ANY age, that is for sure! BUT, moving out of a rental is so much easier than moving out of a property you have to sell. If you rent, you just have to time your move to coincide with the end of your lease and give your landlord adequate notice, which is pretty easy. If you OWN a property and want to move, you have to get your property ready for sale, fix every little thing that needs fixing, clean it from top to bottom, remove all the clutter, make sure everything looks sparkling and fresh and keep it that way for God knows how long it will take to sell. You have to endure endless showings, each of which requires at least an hour of prep to get the place looking like a show room. 80% of the showings will be a waste of your time because the people didn't READ the listing and the realtor didn't guide them correctly ("oh, it only has ONE and HALF bathrooms? We need at least 3"). You have to endure lowball offers and (in our case) sometimes breached contracts. It is so much freaking aggravation and stress.

Also, wanted to comment on the "neighbors" issue. You can get bad neighbors anywhere you live, whether it's an apartment, condo or SFH. We have lived in SFHs most of our life, and so far we have lived in 2 condos. We have had NO problem neighbors in the condos. In each of our SFHs, we had problem neighbors. In our first house, one of our next door neighbors allowed their house to look like a run-down crack den and they blasted Gospel music all hours of the day and night. In our second house, one of our next door neighbors had a troubled teenage daughter who was into drugs and partying and threw loud outdoor parties when her parents were out of town. At one party, we heard a loud crash and saw one of her friends throwing a brick threw a window. And this was in a nice, upper middle class neighborhood.
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Old 09-03-2017, 07:50 AM
 
659 posts, read 326,172 times
Reputation: 1974
Quote:
Originally Posted by Escort Rider View Post
If you want more reading (much more) on the "stairs" debate, there is a thread in the Health and Wellness Forum (the main one) on that subject. (Hope the link below works).


"I can't climb stairs"
Thanks for the link. I will do my best to stay healthy.

Although I have indication now that I may have some arthritic mobility issues, I'll be good for a while. Both my neighbors on each side are well over 70 and they manage the stairs fine. I plan on spending the next 20 years traveling a lot so I need to be mobile, I am not planning to be disabled.
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Old 09-03-2017, 09:25 AM
 
Location: Grove City, Ohio
10,142 posts, read 12,407,945 times
Reputation: 13992
Another way to look at HOA fees is to look at the offset.

The difference between our condo ($143k)and a comparable sized single family family dwelling ($229k) in the same location is $86k.

Monthly HOA fees are $239 so pay back is 360 months when I am 99 years old should I happen to live that long. But out of my HOA fee my water, sewer and garbage is paid for plus I never have to worry about any maintenance outside my drywall.

I looked it up and since the HOA covers the exterior my savings on homeowners insurance comes out to right about $50/month.

Between water, sewer, garbage pick up and savings on homeowners insurance I know I am getting at least $139/month back in value every month for just those items.

Then the yard, snow removal and other junk I absolutely hate doing all gets done for $100/month which I am happy as all heck to pay. I don't own a lawnmower or even a rake. What's a shovel?

And then there is the big one and that is exterior maintenance especially roof replacement. I've done roofs twice in my life and that is something I never, ever want to do again. Last thing I need when I do retire is a $20,000 surprise.

I also like it because, being two senior citizens, it's gated and safe.

We purchased the end of March and the longer I am here the more I love it.
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