Wednesday, April 16, 2014

A Farewell to an Apartment

We loved you at first sight, that Saturday when we randomly bumped into you on our way from checking out your peers. We don't even believe in "love at first sight". But we thought you'd be a good catch. And you were. 1,020 days (or 2 years, 9 months, and 15 days) later though, we must bid you farewell. That's about 92% of our entire married life. "If walls could talk ...", right? No! You were our first real home though, a manifestation of "leaving father and mother ..." unto our own devices. We had never known 950 square feet could be so cozy and befitting.

We loved how quickly problems were taken care of. The water heater ignition should probably be replaced soon. 6 visits in winter is a hint. We loved how convenient it is to have a washer and dryer right in the apartment. 2 visits per week to a laundromat would probably have worn us out and forced me to buy more clothes, against my minimalist wishes. Or wear the same outfit 4 days in a row.

Like our neighbors across the street, we felt "uppity" living in a gated community (with remote open and automatic gates), although the side entrances jammed some of the times. Then you'd have to walk all the way around to enter the compound. The hot-tub and swimming pool were great, although we never used them much. Even until our last day, we were still promising ourselves to hit them up at least once a week, to make our money count. I mean, every resident pays roughly $85 per month in apartment utilities, part of which goes to keep the hot-tub at 104 degrees and swimming pool at 72 degrees all year round.

That little gym is a joke. How about get residents discounted memberships at nearby gyms? I mean, complementary memberships. Then those 3 flight of stairs would not be our only mandatory daily exercise. You pushed us into the world of home DVD fitness programs that we perhaps would not have adopted.
Additionally, we thought it was ridiculous to charge each resident $3/month for clean energy development on wind farms in Oklahoma, whose electricity we never used. Then over time, rent increase 26% to $1,200/month, our last straw. We think we loved you until it seemed like you were gold-digging. Comparatively, our new place is 3 times the size for $1,088/month. Hallelujah to that! Financial savvy says that's a good decision.

Speaking of financial decisions, you were the first big decision we ever made as a married couple: $930/month on rent was a big deal back then. You taught us what a "big financial decision" meant. The nice bed. The dining set. The living room amenities. The home office. Since each big transaction averaged around $700, we learned to call anything in that range an "investment" and prove to ourselves that we could save up for anything we needed. We had a list of savings goals on our fridge, including a plan to vacate you with 20% down-payment on the new digs. We became wise with money. The numbers show that we handled an aggregate $230,000 in business and personal transactions while in your keep. Unfortunately, we didn't get to keep most of it. Pauvre, as the French would say.

You saw 13 sets of friends and family hosted for dinner. We must re-establish the picture wall when we settle in the new place. The smoke detectors didn't always agree, but the cooking experiments were memorable and enjoyable. African. Russian. Brazilian. Spanish. Indian. You were so close to work (6 minutes by car, 21 minutes on foot) that we thought we might not absolutely need that second car. The success of that experiment encouraged us to try a few more.

We never really got to know our neighbors. In our quadrant, we had stayed the longest actually. And the meagre parking if we didn't pay extra for carports ($40/month) and garages ($70/month)? Hated having to park 2 buildings away from the one we live in. Until we gave in and got a shaded carport.

We won't miss the biennial moth visits that somehow found crevasses in our vinyl windows and got in. The Mrs. would man a bug hunt and swat every one of them. I personally didn't mind them.
Or the 3 generations of birds that hatched from the same nest right by our door. I saw nature at work, when the mother tossed out one chick because of overcrowding in the nest. The Mrs. tried to help it back into the nest, but with human scent and all, the rejection meant its demise.
Or the rumble of wind against our corner top-floor suite, literally shaking it up. Those nights we could not sleep, even with distraction background music.
Or the city noise that is living along a busy street humming with traffic well into the night. Especially when there is road work. Or the loud water-cooler right by our bedroom. It literally sounds like a flushing toilet. Wakes me up every time.
Or the four noise complaints we had received from our sometime neighbors. Because of electric drums. I really didn't care anymore after the second.

We eventually outgrew this pond. Today is our last day here. Boxes are packed, the movers have confirmed.



Thursday, April 10, 2014

Baby List First 2 Months

Even before the baby registries were established, we had been wondering: "what must we have on hand at birth and for the first 8 weeks after our son is born?" We really do not know how much this baby's arrival will overturn our lives, but to cope, we make plans in spite of the uncertainty. It is more prudent to be somewhat prepared for an event such as this than resign yourself to improvisation when the time comes.

So we decided to make a list of "must-haves" that should see us through at least the first 8 weeks. We would start saving for those needs, as well as watch out for deals and sales online, in stores, or around town. Come the first week of July, we will go on a shopping spree to ensure that we have everything we deem necessary that we do not have on hand.

To compile the list, I initially did some internet research but ultimately decided to ask recent and new parents, to benefit from their experience. Then we looked up the prices on the internet to help with an estimate for our budget. The necessities are highlighted:

FEEDING
Nursing pillows (1) $20 ea.
Bibs (4) $15 (10pk)
Burp cloths (8) $8 (4pk)
Breast pump $250 ea.
Bottles and nipples $20 (6pk)
Bottle brush $5
Bottle warmer $25
Sterilizer $55
Milk storage system $15 (100ct bags)
DIAPERING
Changing table and pad $150
Regular diapers (16/day) $40 (250ct. box)
Newborn diapers (2 bx) $35 (150ct. box)
Diaper wipes (2 bx, 7th gen) $12 (500ct box)
Diaper cream/jelly (organic coconut oil, Aquaphor lotion) $12
Diaper disposal system (genie) and bags $75
Diaper bag $35
Diaper wipes warmer $20
SLEEPING
In-bed sleeper $45
Bassinet $45
Crib $200
Crib mattress with flex covering $50
Bedding (3 sets of sheets, blanket) $11 ea.
SIDS monitor $80 attch.
Baby monitor system (audio/video) $45+
Night lights (2) $7 ea.
BATH TIME
Baby bath tub $15
Hooded terrycloth towels (3) $15 ea.
Baby wash kit (shampoo, sponges, etc) $20
HEALTH
First aid kit (with acetamophine for fevers) $20 av.
Bulb syringe (nasal aspirator) $4 low.
Baby nail scissors and clippers $7 pair.
Soft-bristled hair brush/comb $7
Thermometer $45
Humidifier $40
Gas drops (Mother's Gripe) $21
MOBILITY
Stroller (esp. jogging) $150
Car seats/baby carriers (2) $99 ea. +bs
Baby bjorn $75
Baby backpack/carrier (hiking) $99
Rockers and swings $45 est.
SOOTHERS/ENTERTAINMENT
White noise machine $25+
Bouncy ball or rocking chair $12 / $90 dep.
Pacifiers (5) $5 (2ct)
Pack-n-play $75
Bouncy seat/jumper $25 approx.
Infant toys
MOTHER
Nipple cream $9 tube
Nursing bras $20 ea.
Nursing pads $8 (60ct)
Maxi pads and panty liners $12 (20ct)
Hemorrhoid wipes and cream $20 (48ct)
Ice packs $15 (24ct)
Adult diapers $15 (16ct)
Iron-rich diet/snacks
CLOTHING
Swaddling blankets (3) $20 (3pk)
Receiving blankets (4) $12 (4pk)
Sleepers (5) $10 (2pk)
Scratch mittens (2) $5 (3pk)
Onesies (6) $15 (5pk)
Side-snap/tie tshirts (until umbilical cord falls off) $11
Socks (6) $10 (6pk)
Knit sweater and cap (2) $20 ea.
Newborn hats (2) $8 (5pk)
Stretchy pants (2) $8 approx.
Hooded jackets (2) $15 gen.
Special dress-up outfits (3) $15 set
Car seat blanket (2) $15

A good estimate for the necessities is about $2,000 if you are starting from scratch (have never had kids) and buying all new stuff. Most of the stuff can be reused for subsequent kids. Fortunately, there is an active community of parents exchanging or selling stuff for cheap, so you need not buy everything brand new. Friends and family often give away stuff they no longer need. In other words, your first baby expenses ought not break the bank.

Obviously the list above is not the complete compilation of what was suggested to us, nor is it our final list; we keep hearing of additional things that sound like they might be useful. Lists like this vary considerably depending on lifestyle and extravagance. I only listed what we (naively) think we might need. There are also things you cannot reasonably estimate at this time, such as baby formula (since we do not know whether we'll need it), and clothes. For these and few others, you just adaptive capacity. So the advice is to have additional reserve for the unexpected.

Friday, April 4, 2014

Baby Registries

In answer to: "when should we start buying baby stuff?", another question inevitably came up: "what should we buy?". We know most people start the baby purchases spree in the third trimester of pregnancy, so we decided June would be good for that and setting up the nursery. The first week of July is for ensuring any other necessities we won't already have, 2-3 weeks before this baby shows up.

Enter the fine American tradition of baby registries. For first-time parents, a steep increase in expenses is expected especially during the first few months. While we ideally should be prepared for these costs (savings?), we are not too proud to accept support from friends and family, also as a way for them to participate in welcoming this baby.

So we set up a couple of registries for our little boy. They all largely have the same stuff (cross-listed); you don't need to visit each one to see the whole list. The registries should allow you to ship whatever you buy directly to us, if you can't physically deliver it. We tried to not go berserk with the stuff we put there, but of course we wished out loud. Listed in order of preference:

BED BATH & BEYOND
http://is.gd/yLI1PQ (registry #10866968)

TARGET
http://www.target.com/baby/registry/jCH_SdFQOQrPx1_EaBIK4g

BABIES R US
http://is.gd/uKmMEl (registry #52399386)

Wednesday, March 26, 2014

The House We Got

In our second week house-hunting, we visited this home on the east side of town and loved it. But because it was out of our price range, we initially passed on it. Besides, another couple that was touring the home when we arrived for our tour made an offer that very day, so there is no way we would get it. Two weeks later though, the house was back on the market because that couple had backed out of their contract. So we moved to acquire the house right away.

MORE PICTURES AS POPUP SLIDESHOW

We put an offer on the house, upping the ante to prevent it from going into foreclosure. It took a couple of weeks for the seller's bank to approve our short-sale offer, and as soon as they did, we scheduled an inspection (and radon test), which didn't turn up anything of immediate concern. Even if there were, the seller would not have been able to fix them up because this is a short-sale. Our bank has completed an appraisal at par with the listing price., and underwriting is underway. We expect to close on April 11 and move in the following (Easter) week.

So how did we do given our long list of requirements? The requirements we didn't quite satisfy are highlighted in red below:

BUDGET
List price $180,000 - $230,000 $240,000
Short-sale, foreclosure, or flip house? Would rather not Short-sale
Monthly PITI < $1,200/mo $1,062
Property taxes < $1,300/yr $1,075
Sale history Stable or increasing Stable
NEIGHBORHOOD
School districts D11, D20, D49 D49
Elem/high school ratings 7+ 8
Homeowner association None preferred None
Community Planned, parks/services Ok
Character Suburb, family-friendly, quiet, clean Yes
Roads/streets City/paved, maintained Ok
Safety Street lights, open view Ok
Traffic/access Lights, alt. routes Ok
Crime Low or none Very low
Morning/evening walk/observe Walkable, bustling Ok
Night perspective Quiet, safe Ok
Other homes maintained Well Good
Who is around neighborhood? Kids? Young families
Neighborhood home comparisons In same price range Mid-range
City zoning Not flood zone, residential Urb. res.
Talk to neighbors Not yet
Any future regulation/zoning/development changes? None planned
PROXIMITY
Emergency services Within 5 mi. 2 hospitals, 2 firestations
Shopping center/restaurants Close enough Powers
How far from workplaces? < 20 min. 25 min.
HOUSE BASICS
Year built 2002+ 2004
Whether new construction? Would love newer Preowned
Type Single-family/detached SF/d
External wall material Masonite, stone
Curb appeal Must have it ... Great
Orientation Faces west/south Yes
Floor plan 2-story/ranch, open, not split-level 2-story
Total space 2000+ sq.ft 2,777 sqft
Completed space 1500+ sq.ft 1,890 sqft
Bedrooms 4+ 4
Bathrooms 3+ 2.5
Kitchen Big, with pantry Great
Dining room > 12x10 sq.ft, tile/carpet Tile
Living room > 13x15 sq.ft, wood/carpet Wood
Garage 2-car, attached, auto/remote Ok
Additional parking 3+ cars, street 3/street
Windows Vinyl, thermo. Low sills Vinyl
Roof Comp. shingle, <10yrs Comp. shingle
Basement Yes, insulated 800 sqft unfinished with walkout
Office Available office or possibility Possible
Energy efficiency (heating) 85+ Good
Outside wall 8" insulation 6.5"
Other rooms in house? None
Heating/furnace (age?) Modern forced air/2008+ 2004, with house
What else is possible with the house? Dog shed outside, basement bd+bath
Immediate repairs in next 9 months? None! Sump pump, HVAC cleaning
UPGRADES/DISCOUNTS
Any upgrades/cost? None/SSA
Any discounts/promotionals? Seller $6200 concession
SERVICES
Electricity Municipal CSU
Water Municipal, not well CSU
Natural gas Municipal CSU
Sewage Central, not cistern Central
Trash service HOA or local Unknown
Cell phone coverage 3G/4G signal Good
Internet service Comcast or better Comcast
Home security ADT or equiv. Unknown
Average utility costs (elec+gas+sewer+water+trash) $300/mo. est.
PROPERTY/LOT
Lot size Roomy 5,628 sqft
Landscaping Complete, sprinkler Complete
Fence Installed as required Installed
Drainage Away from house Slope
Backyard For outside dog + dogshed Ample
BEDROOMS
Flooring Carpet Ok
Utilities 2+ electrical, 1 cable Ok
Location All on same level (upper/main) Upper level
Master bedroom Own bathroom, walk-in closet Ok
Nursery Immediately close to master bedroom Yes
Access Locable doors, openable windows. Yes
Size > 13x15 sq.ft, master bigger Ok
Rooms over garage Prefer not = noise/fumes 1/nursery
Ceiling fans Installed Yes
BATHROOMS
Flooring Tile/composite Yes
Amenities Mirror, lockable door Yes
Storage Cabinets, linen closet Cabinets, basement
Counter space Generous Yes
LAUNDRY
Flooring Tile/composite Tile
Washer/dryer Installed/hookups Hookups, elec.
Location Same level as bedrooms Main level
KITCHEN
Flooring Tile/composite Yes
Plan Country sit-in, island Yes
Cabinet space Ample top/bottom Ample
Counter tops Granite Granite
Appliance quality Stainless steel GE, plain
Refrigerator Dislike vertical split Vert. split
Sinks 2+, garbage disposer Yes
Microwave oven Installed Yes
Dishwasher Installed Yes
Stoves/oven Not coils, gas better? Range
Pantry Reasonable Yes
GARAGE
Access Clear, not steep/obscured entry Yes
Completed walls Siding/frame, insulation House sheet
House door Lockable No deadlock
WOULD BE REALLY NICE
Vaulted ceilings No
Fireplace Yes, gas
Porch/balcony Deck, upper level
Hot tub/jacuzzi No
Lots of storage (basement?) Yes, unfinished
Air conditioning Yes
Humidifier installed No
Floor-level ventilation Yes
SELLER/DISCLOSURES
Review seller inspection report Yes
Review seller disclosure document Yes
Previous resident (owner, renter, vacant?) Owner
Any federally-required disclosures? Not req. in CO
Drug activity on property? No No
Smokers or pets previous residents? No smoking Cats
Homicides/suicides or natural deaths in last 5 years? No None
Property/legal disputes? No None
Our impressions of seller Honest, truthful, cooperative Did not meet
Realtor's opinion of seller Did not meet
ZONING RULES
Allow home office/business? Yes Yes
Allow pets, sheds in backyard? Yes Yes
Allow external remodeling, landscaping Yes Yes
Allow visitors/RV/boat parking/streets Yes Yes
TOUR NOTES
Notes from touring the house Good neighborhood, but on far east end of town.

Saturday, March 22, 2014

Eats: Old Stone Church Restaurant


For this month's date night, we decided to try out this nice little mid-range eatery and bar in Castle Rock. The 30-minute drive there was worth our while; I'd say it is a great date night destination.

Reservations SeatMe
When we visited Friday evening (03/21/2014)
Party size Just the two of us
Wait time to be seated None
Ambiance/feel Great lighting, lively, festive, warm.
Appetizers we had Flat bread with chimi churi sauce, zesty wings.
Their drink menu Good selection of wines, mixes, and beer. Generous "glass of wine" serving, can sample wines before ordering.
Their entrée menu Limited (one-page) but good options. Had Colorado rib-eye steak and pan-seared duck. Both good. See their menus here.
Desserts Small selection. The tiramisu was great!
Prices Expensive. Full course dinner for two plus tip totalled $90.
Noise levels Quite loud, very easy to overhear other patrons' conversations. Background music loud.
Service Good, friendly.
Wait time for food 10 - 15 minutes.
Our rating (out of 5) 4
Their website http://www.oscrestaurant.com/
Reviews 84% at urbanspoon.com
4/5 at yelp.com
81% at tripadvisor.com
4.3/5 in Google reviews