Maintaining Your Castle
Posted by Gail | Filed under Home Buying
The excitement of moving into your first home, or a new home, is something that just can’t be described. There’s a flutter in your tummy, a sense of OMG that just wraps itself around you. And when you finally get the boxes unpacked and you walk around your castle, you’re often pinching yourself that you’ve done it. More OMG moments.
I distinctly remember looking out my kitchen window and wondering how I’d managed to make the life I had. I was living in the city at the time, the weeping mulberry was shooting pollen into the air, and the kids were romping, laughing and shouting. I did pinch myself.
The warm fuzzy feelings of owning your own digs eventually give way to the what-the-hell realization that when you own a home, there is always something that needs doing. Each time I’ve bought, I’ve had a home inspection that identified what was good and what was not-so-good about the home I was buying. And each time I’ve been told that there was stuff that would have to be done to fix or keep the house in good shape.
The rule of thumb for budgeting home maintenance costs is that you can expect to spend between three and five percent of the value of your home holding the sucker together. Older homes require more financial investment. Brand new homes require almost nothing initially, often lulling home-owners into a false sense of what things really cost.
People screech when I tell ‘em they need to budget for home maintenance. “What!?” they bellow at me when I tell them that on a $350,000 home, they need to set aside between $875 and $1,460 a month, depending on the condition they got the sucker in. Are you kidding me? That’s the equivalent of rent!
Home ownership is a big responsibility. And it can be very expensive. Let’s take a new roof as an example. A new roof on an average sized house costs between $6,000 and $8,000 if you go with a reputable roofer and use good quality materials. If you buy a home that’s brand new, you can expect to get 10 to 15 years out of your roof. Let’s be optimistic and say you’ll get 15 years; that translates into socking away just $39 a month to have what you’ll need when the time comes. But if your home is already 12 years old, you only have three years to come up with the money, so it’ll cost $194 a month. And that’s just for the roof.
There are furnaces to be replaced (a good gas furnace should last 15 to 20 years), windows and doors to be updated (window glass usually has a 10-year life span), and appliances to be fixed or replaced (anywhere from 6 years to 15 depending on the appliance). You have to paint inside and outside, repair asphalt or interlocking brick, and lay new carpet or other flooring periodically. And then there’s the stuff you must do seasonally – like clean the chimney, open and close the pool, maintain the garden, clean the eave troughs, – to keep the place in working order. Never mind the stuff you choose to do: painting or wall-papering, changing window coverings, putting down new flooring, adding storage or living space in a basement, upgrading bathrooms and kitchens, planting a garden.
When we bought the house in the country five years ago, our home inspector was fabulous (get a reputable one so you can trust what he/she says, it’s worth every extra penny you spend) and gave us a list of what would have to be done, along with a timeline and an approximate cost. And he was dead on. The chimney liner had to be replaced the second year we were there, the appliances in the kitchen in year five, and the roof soon after.
You can skimp on your home maintenance, ignoring the cracking foundation, the rotting deck or the fence that’s falling down only so long. When it finally MUST be done, no doubt it’ll cost three to five times as much as it would have if you’d simply maintained it. Out of the U.S. comes the statistic that for every $1 spent on home maintenance, you’re likely saving $100 on repairs. Pay now or pay big-time later. It’s your call.
April 14, 2009 at 7:50 am
Gail, when I tell people that I don’t mind paying my (very reasonable) condo fees, their eyes pop out of their heads. Next time, I’ll just send a link to this post since it outlines exactly why I feel this way; no surprise roof repairs! no cleaning the gutters!. And yes, we also set aside money every month for repairs and upgrades inside.
April 14, 2009 at 8:33 am
Gail, you’ve hit the nail on the head! Most everyone we know thinks we’re nuts for having a “house fund” (isn’t that what a line of credit is for? ha!). Granted, we haven’t been contributing at the rate you’ve identified (admittedly, we just “randomly” picked an amount, not a percentage…), more like 2% of the purchase price, but we’ve also completed all our renos to date with cash only, no credit. Sometimes hearing someone else saying you’re doing the right thing really helps you keep on track! Thanks!
April 14, 2009 at 9:10 am
I can’t believe people who don’t maintain and update there homes. It is likely the largest purchase you will ever make in your lifetime. Five years ago when I was looking for a house I could not believe some of the places. It was like walking into 1950. One house I walked in the door and said never mind it is just a waste of time. They still had the shag carpet from the 70’s. What are people thinking? The other thing is people who do everything themselves that should not. My husband and I just finished the basement level of our house and we did the things we could ourselves. We hired an electrician (did not want the house to burn down) and we hung the drywall ourselves but had a pro do the mudding so that it looked good.
April 14, 2009 at 9:17 am
Good morning everyone. I write this on day six of having no heat as the furnace packed it in last Thursday. We’ve been supplied with space heaters and the new furnace, water tank and air conditioner goes in tomorrow (and I believe our forecast in now in the early teens). Our house is about 29 years old and all three of the above are original and sucking more energy than they’re worth so it’s time. Do we have enough to pay for the whole shootin’ match? No, but there is some and thankfully with all the rebates and tax credits, it’ll be a wash in about a year. We also need a new driveway, the interlocking brick needs relaying, etc., etc., etc. When we moved in 15 years ago all we had to do was plop our stuff down and live. What I’m trying to say is Gail is right, we were lulled into a false sense of security and time gets away from you. So don’t ignore having a “house fund” just because it’s new because once one thing starts to go, the rest soon follow.
April 14, 2009 at 9:19 am
Gail I luvs ya (you know it) but I think you might be scaring people a little bit by quoting the old “3% – 5% of your home value will be spent annually on maintenance” rule.
I think that rule applied more accurately when the value of the home corresponded to the size of the home. For instance, in the country you might get an older 2200 square foot house for $250,000; in downtown Toronto you might spend $450,000 for a 1300 sq. foot house (umm hypothetically speaking
. There’s no way you’re spending more money on your city house than your much larger country house. We have a modest house in Toronto built in the 1950s and there’s no way we’ve spent $14,000 a year on it every year, probably as an average more like $5000 a year and some of that was optional (ie upgrading from perfectly good fusebox to breaker box for convenience). However, any prospective owner should be well aware of the potential for added costs which is always great advice.
We look at it in terms of wants and needs, ie “need to have the furnace fixed; want to have air conditioning fixed” and manage funds accordingly. One thing for any new purchaser to consider is that a lot of these costs will probably occur early on right when you’re low on funds however.
April 14, 2009 at 9:32 am
Great post Gail – and thanks for the follow up post Geoff.
My partner and I are just starting to build our down deposit (we’re 20-something year olds) and I have been calling it our ‘house fund’. It sounds to me like once we have that deposit, we need to keep on funding that fund for surprise repairs (and not so surprise repairs).
Thanks for the headsup.
Gail – if you read these posts. Do you think that Geoff’s point is a fair one, or do you stick to your 3-5% of the homes value?
Thanks!
Jessie
April 14, 2009 at 9:41 am
I’d say the 3-5% rule is a good one. You might not need it every year, but you will need it some years. Better to have it than not.
We had a big scare this year with our roof- it looked like we were going to have to come up with about 10k to replace it. That was more than a little terrifying. Luckily we discovered it wouldn’t be needed after all (at least not right away), but I would have felt a lot better knowing that we had the money set aside.
April 14, 2009 at 9:54 am
I want DH to read this-he wants to move to a brand new house, because it won’t need any maintenance right away, so in his mind, we’ll be “saving money”. Our place is about 30 years old, and now we’re hitting the bigger stuff-furnace, roof, etc. but between moving costs, and the fact that these things will eventually cost us again, so we’re just delaying the inevitable, unless we foolishly move every 10 years or so, just to avoid it!
April 14, 2009 at 10:04 am
Here’s a question – is that 3-5% of the value of the home when you bought it, or the value that is is now? We bought our home 13 years ago for $109K, and this year’s tax assessment from the City is for $350,000. So should we be saving $3-$5K a year (based on the purchase price) or $10-$17K (based on the current value)? That’s a big difference, and the house is only worth $350K to us if we sell it, to me it’s still a $109K house.
Our home is 30 years old and in the 13 years we’ve been there we’ve probably spent a total of $30K (new flooring, new hot water tank, a new washer/dryer/dishwasher, new furniture, painted a few times, some stucco repair outside, replaced a sidewalk, work on the deck/fence, other minor repairs). Fortunately my husband is a handy guy and can build or fix anything, so he does almost all the work; so far we’ve only paid for labour for the hot water tank installation. This year we will likely buy a new furnace so will spend a lot more than in years past but have budgeted for it for the past few years.
So the approx $30K we’ve spent averages out to about $2,300 a year, which would be about 3% (give or take) based on our original purchase price.
April 14, 2009 at 10:19 am
Oh, don’t kid yourself. My in-laws and a good friend both moved into brand new homes, and the amount of money they’ve had to spend (not to mention the amounts they ‘chose’ to spend) is a lot more than you’d expect. Contractors don’t always build things the way they’re supposed to be built. Fortunately, a lot of the fixes were covered by their one-year deficiency term (they will fix anything you find wrong in the first year for free). These included replacing two windows (one was leaking), replacing the damaged hardwood, replacing the other damaged hardwood from the plumbing leak, fixing the plumbing, re-doing the pot lights in the kitchen. The OTHER stuff, such as the a/c crapping out, landscaping the back yard, etc. were not exactly necessities….but the reality is, when you move to a new home, you’re likely going to spend far more than you thought you would on new furnishings, etc. Unless, of course, you’re very disciplined and follow Gail’s money planning advice avidly!
We bought a ‘new to us’ home last year. It will need a new furnace in the next few years, and at least part of the roof needs to be patched this year. We also need to update some of the electrical (sockets that don’t work, AFCI plug in not installed outside), put in an additional roof vent, and at some point fix the fence posts that weren’t set properly. Oh yes, and the front door with the big crack in it needs to be replaced. We plan on tackling 1-2 things at a time, as we save up enough for each repair. The furnace is being saved for, the only thing we don’t have covered is the roof. But all things considered, it feels good to know that the roof is the ONLY thing that won’t be completely covered up front… and if we’re fortunate, we may be able to get just one section of it done this summer, and the rest next year. But we’ll see.
April 14, 2009 at 10:26 am
I have to agree that the 3-5% rule is far too vague given how fast house prices can change. If you buy a house for 100k and it goes up to 300k in 10 years, you don’t need to spend 3x as much on maintenance. So, there needs to be a better guideline than the purchase price of the home. Square footage and age might be better guidelines…any suggestions there?
April 14, 2009 at 11:07 am
At first I thought our strata fees for our townhouse (not living in it yet) were going to be ridiculously high but I am now learning that they are comparable to a lot of other stratas, and if that covers some of our big ticket items (roof, driveways, etc.) then it may even be worth it. I’ll have to read over it again.
April 14, 2009 at 11:20 am
In the last 4 years we have spent about 3 – 4 thousand on our home each year! It’s just over 20 years old and we’re finding that the big items are now needing replacement.. Started with the furnace four years ago, finished the basement in year two and removed all the carpet in the upper level to laminate floors, refaced the kitchen in year three, this year its the roof and fixing the master bathroom and next year we’re doing all the windows.. sigh lol Thankfully, we have always planned ahead. We have a house fund as Gail mentioned and are not going into debt for any of this. If you are going to own a home you definitely have to plan for the upkeep on that home…
April 14, 2009 at 12:07 pm
We have just started to save for repair, maintenance and improvements to our 5 year old house because of all the things that Gail has written recently. Another example of getting scared sensible by her. We have been putting aside about $25 a month for the small stuff and until now we have known that if we have a big repair the only way it can be paid for is if we tag it onto our mortgage. Don’t want to do that.
My problem is that I am a bit confused as to what we should be basing our 3% savings on.
We paid $156,000 for our house five years ago but today’s Real Estate value of our house is $260,000.
Our Property Assessment Notice for property tax values the buildings at $108,000 BUT our insurance company just made an adjustment of the full replacement value from $156,000 to $195,000.
This includes the contents but all our stuff falls into the old category – not yet the collector or antique categories – so is worth about $1.50. In fact the cats are the most valuable items since it cost us $120 each to spring them from the Humane Society.
So which value should we be placing on our house in order to calculate the 3%? Please don’t let it be the Real Estate value.
April 14, 2009 at 12:10 pm
I think there’s also the need to separate maintenance ‘must-do’ from ‘nice-to-do’.
A lot of interior maintenance (floors, carpets, painting) are really just nice to do, discretionary. They don’t affect the structure of the house, and if you’re planning on staying in your house long term, replacing worn linoleum or carpet can usually wait. The sooner you paint/re-floor, the sooner it’ll need doing again. Depending on the market, potential buyers may prefer to put down new flooring of their own choosing as well.
Meanwhile, any structural things that can get more costly or result in new damages or safety issues should be addressed right away, and is non-discretionary. I would think that the maintenance budget should be reserved for these things (roofs, leaks, foundations), rather than the more decorative discretionary maintenance.
April 14, 2009 at 12:15 pm
Maureen et all — what you should do in my opinion is simply make a list of all known repairs, and add up the cost to do them and start saving those funds as best you can. Factor in the point that you won’t need to make all repairs all at once and you can space them out (for instance, roof in year 2, furnace in year 6 if it’s only 15 years old, etc). There is no magic number to tell you your comfort level and so there’s no need to freak out. Personally I prefer to set a fixed target expense, say $5,000 per year, and save up for that and be choosy on which repairs to make. Some years I might spend 6K, others 2K. For instance, I hate our basement which has that creepy 70s fake wood panelling but have put that at year 15 to fix, so no hurry. Conversely we only have one shower in our house and with at least one known baby already and possibly one more planned another shower at year 5 is a distinct possibility. $25 a month seems low but a start is a start is start. It’s about balance. There’s no advantage to saving ten thousand in your home repair fund for future (maybe) repairs if you owe thousands already in your visa for instance.
April 14, 2009 at 12:28 pm
My insurance has the replacement value of our home at $250,000. That’s structure only. I figure that is the best baseline, it has nothing to do with a fluctuating market value. (We paid $124,000 for the new-build ten years ago, I guess the cost of materials and labour has gone up significantly in that time!)
So this house we have been living in for a decade is now coming up for some big ticket replacement items…. gas HW tank, roof, and our driveway is all cracked and broken from the winter. But it’s not the first expense this “new” house has had. Marlene has it right, the builders don’t always do it very well, The builder’s deck was a joke – slapped together in a very temporary way, so that had to be fixed in the first couple years! And our steep lot needed some serious landscaping right away or it would have all washed downhill! We had paper for curtains for a long time, and new houses need things like appliances and towel bars, shower enclosures and other little things that are already there with a rental. Over the years we have been replacing the cheaply included things with better things as we can afford it… fans, lights, terrible quality carpet, fencing, etc, etc, etc. Oh and of course the annual gutter cleaning, painting the exterior trim, and other costs that are simply part of caring for your investment. A new home is by no means free of maintenance costs.
April 14, 2009 at 1:02 pm
Good question % of original price or current value?
Let’s face it, if you keep your house for more than five years, the cost or repairing stuff went up! If someone has the AVERAGE value of increase of homes over 20 or more years (ANYONE HAS THE #?), then use your initial amount and increase it every year by this average increase in home value. No matter what, you might be off because the cost of materials could be up or labour could be hard to find. The prices of fixing goes up your might increase the square footage of your house or you got a fixer upper with a small mortage and a lot of sweat equity.
My favorite approach: Do the math! Repeat every 5 years or so. Get the life expentancy for each feature in your house, get the updated cost of replacing and crunch the numbers the way Gail did.
Roof, appliances, furniture, carpet, windows, doors, pool, foundation, flooding risks, plumbing…
April 14, 2009 at 1:33 pm
I forgot to say:
Is the cost of fixing a home the same as in the country or should it be based on home value?
If you use ‘my favorite approach’ explained above, the question will not matter. Offer and demand, labour availability, parts availability in the country… Do the math for YOUR area and update your numbers every few years. The standards of maintenance may vary as well by area and you will know when you try to sell. Some average size houses in the country cost more than some in town because of the land area…
Which one costs more? Price it out!
April 14, 2009 at 2:28 pm
When you calculate the percentage for home maintenance, its simple, will you be paying for labour and supplies at today’s prices, or at prices when you bought the house. Say you bought the house for $100,000.00 ten years ago. Is the electrician going to bill you at 1999 prices or 2009 prices?
Seems like common sense to me.
April 14, 2009 at 3:02 pm
[...] Maintaining Your Castle « gailvazoxlade.com – [...]
April 14, 2009 at 4:35 pm
Hi Danny and Geoff and Marie
Yes it should be easy and common sensical but as usual I can turn a molehill into the Himalayas. I think the thin air up here is making me light headed and silly. er.
As of January 1st 2009 our house has been valued at $108,000 by the city, $195,000 by the insurance company and $260,000 by the Realtor. I haven’t got a clue what the evaluations by these 3 would have been in 1999 and don’t even want to go there because I am quite capable of driving myself insane just with this years figures. Sadly we could probably have all the work done this year at 1999 labour costs because so many Trades up here are unemployed or underemployed that it is bargain hunting season. But that is a moot point since we only have $375 in the House R&M fund and all the Trades we know are friends so we couldn’t rip them off. Well, maybe just a little. Say, at 2001 prices?
My confusion lies in which of these amounts is the value of my house. On what do I base my 3%? I know that this is all just an estimators game but I really want to be on the winning team for once in our financial life.
I am feeling like I am in the middle of the tale of Goldilocks and the Three Evaluators. I really like Geoff’s idea of just choosing an amount but what amount? I don’t want it to be too little or too much but JUST right.
Soooooo – having had time to read the posts and think a bit, and do the math (as per Marie) I have come up with a solution using all the facts and information over load that is confusing me. If 3% of $108,000 is $3240 per year and 3% of $195,000 is $5850 per year and 3% of $260,000 is $7800 per year then the average is $5630 per year or $469.16 per month. If I take this as my chosen amount then I will be able to sleep tonight. I won’t be able to afford it but I will have a practical answer and can just start juggling the books. Or sell the house. Which ever takes less work.
April 14, 2009 at 4:47 pm
One thing is that you can do it to the value of the building…IIRC, it only depreciates while the value of the land is what is going up in value when a house price rises.
April 14, 2009 at 7:33 pm
Hello y’all… good to see you biting in. Okay, the 3-5% is usually the value of the house and it includes everything you’ll do to your home, including replacing things like appliances. I’m not suggesting you’ll spend that much every year, but that you save that much each year until you have a very healthy home maintenance fund established. If you have to replace your roof and a furnace in a single year, that’d set you back ten grand… that’s a lot of money to come up with all at once if you haven’t been setting some aside each year. And while it’s great to debate the “nice to haves” over the “must haves”, the fact is that if you want your home to keep pace with comparables in your area, it’ll mean more than taking care of the “maintenance” issues. You’ll have to do upgrades, replace flooring, windows, appliances, and the like. For homes where land values have escalated dramatically, it’s fine to use the insurance replacement value as the benchmark. But don’t use the original purchase price since the cost of materials and labour keep going up. When I moved into my last house, we paid $350,000 for the place. We lived in it for 5 years and had to replace a bathroom (old and ugly $8,000) and a roof ($18,000). We also painted the place, replaced appliances and redid the kitchen. Some of this was choice (the counters needed to be done, we chose to use granite in the kitchen). Some was necessity … ten year old kitchen appliances, Never mind re-graveling the drive-way, If we hadn’t been going with the 3% rule (newer home), the place would not be in ship shape for resale, which is where we found ourselves.
April 15, 2009 at 11:33 am
I think $400-500/month is a reasonable and safe number. Throw it into High interest savings account or TFSA and you’ll be fine. TFSA was really meant for this sort of thing, not so much as a retirement veichle. Once you hit 30-40k you should be fine. This isn’t alot of money to save, alot of this is money you’re spending anyway but probablly aren’t budgeting for, new rakes, new hoses, new lawnmowers, new furtniture, a repair to the fridge or tv, all that falls in here. The goal is not to be caught off gaurd (or in debt) with a 20k roof redo, and keep in mind, this shouldn’t be a big stress. Gail is just trying to get us thinking about these things and help us be prepared. Do what you can afford, if you can do more than 500/month and you think you need it, great, if you can only afford $100, great.
Nothing ever goes to plan, but not having a plan is worse than not having one that doesn’t quite work out.
April 15, 2009 at 12:59 pm
Hi ComputerHero
“Nothing ever goes to plan, but not having a plan is worse than not having one that doesn’t quite work out.”
So very, very true. Before we became reformed characters, thanks to Gail, we never had a plan. Lived re-actively in all aspects of our lives.
When we first moved to the Yukon the RCMP had signs up everywhere to warn people about the dangers of traveling in the winter when the temperatures can get to 40 below. Their motto for this campaign was: IF YOU FAIL TO PLAN, YOU PLAN TO FAIL. Turns out to be one of those irritating truisms.
At least when we broke down half way to Dawson we had a plan that didn’t quite work out. Had sleeping bags and a dog for warmth and lots of chocolate bars but no satellite phone. A long cold dark lesson.
I redid the budget and we can only put 1% aside until I get more work but that is a start and just making a start and a change – no matter how small – is very calming and empowering.
April 15, 2009 at 3:15 pm
Thanks Gail for this timely post! We are planning what renos to tackle and are making sure to have a healthy account before we start!
April 15, 2009 at 11:40 pm
I am an architect and the big reality is that where you live can have a big impact on how much repairs/maintenance will run you. It isn’t even a country living vs city living thing. It is supply vs demand. In general it is the labor that will influence the cost. Is there and abundance or a shortage of qualified contractors in your area for the trades in question? Are you going to need a general contractor or can you do it yourself? Do you need to have the work done this second or can you wait and get multiple quotes? To have a contractor at you house tomorrow will usually cost you more money than if you can wait for the tradesman/contractor to fit into your schedule. I think it is an excellent idea to make a list of the repairs that will need to be made in the short term and long term (these are generally more costly). When you make this list you need to decide if you will be replacing/fixing in kind or making upgrades. As someone else may have mentioned….just because work has recently been done doesn’t mean you won’t have to work on it soon either, cheap or shoddy work will necessitate maintenance sooner than you may think. To a certain degree you get what you pay for. When getting quotes you will usually pay for taking the lowest quote. The middle of the road quote is usually your best bet unless you have previously worked with the contractor/tradesman. As Gail mentioned a good home inspector is worth their weight in gold. Mine predicted the issues with my electrical panel so I set money aside for when the work was required. Recently the cost to have work done has gone down in my area as there are very few houses being built. I’m not sure about Canadian homeowners insurance but on mine the “replacement value” is something you can adjust based on neighborhood, construction and materials. Also I increase the amount allowed for code upgrades. My house is 60 years old and if I had to fix anything that touch my electrical system for instance my local building department could require that my entire 60 year old electrical system be brought up to date. Remember you will also need to pay a deductible up front depending on what happened to your home.
Just a thought for geographygeek…. you will want to have a minimum of 10% and preferrably 15% in contingency for any renovation. Use the time while you are saving to plan and price every last detail. When you think you are close to having enough money start pricing out the project for any work you won’t be doing as you may be suprised at the actual cost and find you will need to save more money than you thought. Good Luck!
April 16, 2009 at 5:11 am
I’m renewing my mortgage and renovating my little castle. I’m having the the attic insulation removed and replaced ( estimated cost 7,000 as the insulation contains asbestos) and the exterior completely redone, all new windows, siding insulation and front and back door, estimated cost 18,000. Plus the bathroom will have to be done sooner than later, so while the windows are out, a new bathtub will find a home in my DD’s bedroom as part of her bedroom will become the expanded bathroom.
I’ve increased my debt load once more, but the work that I’m doing now will only increase the value of my home and make it easier for resale.
As I inch/claw my way to becoming debt free( minus my mortgage)I’ve opened my saving/emergency accounts and enjoy watching them build. I know that with in the next 2-3 years the furnace will have to be replaced, so I’ll need to have saved 10,000 for its replacement ( I’ll be switching to a heat pump and need to have the electrical panel upgraded from a 110 to a 220).
I was happy to read this post and enjoyed all the comments.
April 16, 2009 at 8:26 pm
Wow! lots of food for thought.
I’ve been saving $25 biweekly towards cosmetic things I’ve wanted to do to my home. New paint, new hardware etc. It doesn’t take long to add up and it feels good to have that fund.
I like the idea of making a list of things we know will need to be done and an estimated time frame to save for them.
I’m greatful to have a handy dad & FIL, not to mention an uncle who is an electrician!
Today my father came over to help me check my gutters. They haven’t been draining properly and I figured something was stuck in the downspout. It turned out to be a piece of wood and a tennis ball blocking the down spout. I was very relieved that I don’t have to replace the gutter system.
April 21, 2009 at 2:41 pm
Hi Gail!
Was perusing your blog today, and noticed this post happened to fall on the same day as your visit to our house….Coincidence?
Our eyes are opening, thanks to you. Our priorities are shifting, and we’re realizing that putting off things that need to be done in favor of things that we want to do isn’t helping us at all in the long run!
See you tomorrow
Liz and Will.
September 29, 2009 at 4:10 pm
advantage mortage…
Your topic “I Told You So” — In Advance | Real Estate Investing – The Truth was interesting when I found it on Tuesday searching for advantage mortage…