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Written: 00:31 on October 06, 2008  |  By: anthony  |  MORE…
Hello, again.

In the past week we have had a minor flood, a near oil-spill (damn furnace), a computer nearly melt and the coffee maker seems to hate me.

Aside from that, owning a house is wonderful. We can blast music at all hours of the night (provided the baby isn't asleep), I can play Bioshock until my eyes bleed at high volume (again, provided the baby isn't asleep). The annoying thing about home ownership is the responsibility. When renting if something goes wrong you just call your landlord and it gets fixed. Now it is an ordeal! Scheduled appointments must be made, payments completed, plumbers yelled at for leaving their dirty tools in on the floor!

My daughter will be a full Earth-year shortly. October 12th is the date. We are excited she did not succumb to colic and in honor will be holding a party, complete with cake.

Reading:
Naomi Klein - The Shock Doctrine, The Rise of Disaster Capitalism
Ex Machina - The First Hundred Days
Henry Rollins - Roomatarian

Listening:
The Eagles - Long Road Out Of Eden
Rise Against - Appeal To Reason
Mastodon - Blood Mountain
Finch - Finch

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01
Jon at 12:00 on October 06, 2008 91.84.158.217
I have to say I can't wait to own my own place. Renting is fine and all, but because it is a communal building the noise from above (and below) drives me mad. I've pretty much learned to deal with it for now, but I'm looking forward to moving out.

It's coming up to the right time (I think?) in the UK to start thinking about buying… just have to wait for the banks and societies to start offering better mortgage deals again, which I reckon will be another 18 months. Just got to save up about £16,000 from somewhere now… :(
02
anthony at 22:10 on October 06, 2008 158.35.225.230
Saving the downpayment is the hardest part of home ownership. I know in Canada you can get a 100% financed mortgage, but the interest rate isn't worth it.

It's a great investment, especially with a family!
03
Jon at 08:33 on October 07, 2008 91.84.158.217
You used to be able to get 100% mortgages, but that stopped a few months ago with the downturn in the British economy. Now, you need at least a 5% and preferably a 10% deposit, plus legal fees.

It's hard work…
04
Anthony at 13:39 on October 07, 2008 156.34.51.129
Agreed…I know we paid a $10,000 down payment on the house, plus a little under $5000 in legal fees to the lawyer….it's insane.
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