The outside is nearly complete, minus landscaping and a driveway. Endless winter and record rain and snow has been holding off the pouring of the driveway. Work to dot every "i" and cross every "t" on the inside continues.
When we committed to a custom house there was much that I didn't understand and much more that I could not predict. Lumber became scarce (and of course scarce = expensive) because during the lockdowns too many people decided to do home improvement projects at the same time.
The 2021 freeze that crippled the wind driven power grid in Texas rippled into a long lasting shortage of resins, and resins go into everything in home construction such as plastic pipe, caulking, sealants, adhesives, flooring, roofing and paint so all of those and more were in short supply with jacked up prices. International shipping and port problems meant that valves and other essential cheap bits from China couldn't get here. $7 a gallon diesel fuel and a truck driver shortage made moving materials from port or factory to jobsite hit and miss and more expensive. It's been a 2+ year long mess of once in a lifetime unanticipated consequences. But we're finally approaching the finish line.
Not only were there building material shortages that nobody predicted but there was also a pecking order concerning who got any of the available scarce building supplies. Tract home builders got first dibs because they bought in bulk and had existing long term contracts with suppliers. Our builder got what was left over, when he could get it.
The city building department got overwhelmed with permit requests from the big tract builders and developers so individual one off projects like ours went to the back of the bus. I know from having worked at the Seattle building department that permits are a profit center for a city so developers and tract builders got their permits first.
We had to order our garage doors a year in advance due to a nationwide garage door shortage. We applied for our construction loan/mortgage during a low interest rate driven building boom so that resulted in a multi month financial colonoscopy, the reward for that being a low interest rate for these inflationary times.
On the plus side the build has taken so long that the Covid driven appliance shortage ended before we were ready to pull the trigger on appliances. I just didn't have the knowledge or experience to be able to predict any of these things. We never did anything like this before, we were a bit naïve. I thought that you design, order and pay for a house and it gets built. Like I said, naïve.
Lights are being installed and circuits are being made hot. Behold, first light! Kitchen lighting!
The house now has heat, garage doors and openers and attic insulation. Still to come: appliances, plumbing fixtures, driveway, decking material and roof tiles.
Hurry up and wait. There's still a long way to go. The interior walls are painted. Inside there's no flooring, plumbing fixtures, electricity or lighting, appliances, roof tiles and no insulation yet in the attic. The deck has no surface, only exposed joists. Our move-in date has moved from mid January to mid February to mid March. There's supposedly still problems getting materials and labor and there's another snow storm on the way that will once again turn the construction site into a muddy mess so my personal prediction of a move in date is around April tax time.
One afternoon I was out for a walk when I got an email from my Synology NAS. It informed me that user Admin had tried to log in unsuccessfully multiple times from an IP address in Taiwan. An hour later it happened again, from a different IP address in a different part of the world. Maybe some bored kid was trying to break into my server looking for warez and pr0n.
When I got home and checked the NAS logs, they showed that I'd been under some kind of automated hack attack all day, it continued as I watched the failed logins in real time. In the NAS logs the failed Admin logins went on for page after page, they'd been methodically at this for hours. Something was trying to log in as user Admin and guess the PW, around 7-10 attempts per a minute, each time from a different IP address supposedly in different parts of the world. I guess that the only reason that I got alerted at all was that their IP address randomizer wasn't random enough and my NAS spilled the beans when it noticed multiple failed logins from the same IP address. I shut the server down for an hour, when I fired it back up the attack began again immediately. Somebody, or more likely something on behalf of somebody, was trying to guess the password of the server administrator.
This was a brute force ransom attack, after they guessed the Admin password and got in they'd encrypt all of my data on the NAS, present me with a login screen explaining what they'd done and demanding payment in Bitcoin to unencrypt my data. But what these crooks didn't know was that on the advice of the Synology I had disabled the Admin account and given admin rights to a different account 3 years ago. In order to get in and hold my data for ransom they'd have to guess that username and PW. I know that I'm going to find it a pain in the ass but I also put that login on 2 step authentication.
I was still enraged, it was like watching a burglar try to jimmy open my front door and being unable to do or say anything. I eventually shut them down by denying all external requests at the firewall. The next morning when I opened the firewall to the outside world again he, they, it was gone. But I expect that they, or someone else, will be back.
Little by little our new home is taking shape. It looks big. But much of that bigness is the extra deep 3 car garage on the right. We had an extra 4' of depth added to the 2 car garage at our present house and found it super useful so we added 4' here too. So, why a 3 car garage for 2 people? Simple, while we'll be free of a suffocating HOA the CC&R for the property doesn't dictate much but they do say that a 3 car garage is the minimum for this property. The new house going up just above us is more like a small multi structure compound, it will have a 5 car garage.
So, how about the views? This will be the view from what will be large windows looking to the west from the living room (imagine no dumpster).
Here's the view from the kitchen window. There will be a post there but not the support beams that you see here. And again, no dumpster (it moves with each pickup).
Here's the view from the deck. One of the City's lakes will be visible from the deck.
In the 6 months of loan and permit prep nothing changed on the property. I was getting antsy, we had already parted with what to me was a tremendous amount of money and time and had nothing physical to show for it. I avoided walking or driving past the property, I didn't want to be reminded. The builder had placed a sign on the property proclaiming that they were going to build that gave the wrong street name, followed by another long pause. And then one day this appeared.
To me that was a sure fire sign that some kind of positive activity involving people was to follow. Woo-hoo! Here we go. And then for a few more weeks nothing happened.
But one day...
The ground was prepped and we were ready to build, right? Not so fast.
Nothing further happened on our land for 2 months. The builder again said that he couldn't get materials or labor, not contrary to what I had been reading. Trucks and building equipment run on diesel which had doubled in price. Inflation was taking off and scarce in demand workers wanted more money. We had signed our fixed price contract with the builder 9 months prior, in other words in this new inflationary world we were going to pay last year's prices for this year's house. That's great if anything gets built.
What did we want in a home? The CC&R's for the property said that it had to be a minimum of 2500 square feet and had to have at least a 3 car garage. After that it was completely up to us.
We called some local architects, they wanted around $15,000 to design a new custom home. What did we want above and beyond what we already had? She wanted a craft room, I wanted the house to have a whole house fan. My Father built one into our house when I was a kid and I knew that a whole house fan was a great way to bring the temperature of a house down with the cool evenings around here. And of course I wanted a big deck for a meal, a snack or just a snooze in the hammock.
In the end we picked a local builder and modified plans that they already had on their website. Plans in place and a down payment made to the builder we were ready to build, right? Not so fast, first it was off to the bank for a construction loan.
A construction loan is sort of like a mortgage, but for new construction. As the builder completes a stage of the build and needs more money to proceed he makes a draw on the loan. The bank sends an inspector to make sure that progress claimed has actually been made and if everything passes inspection the bank releases money to the builder. At the end of the build the construction loan turns into a 30 year mortgage.
How does one get a construction loan? Simple, you just have to go to a bank and submit to a 3 month long financial colonoscopy. Most every day the bank would send me an email detailing what financial information or documentation they required and each day I'd retrieve whatever personal financial information they requested, package it as a PDF and send it back and await the next request. After 3 months of this our construction loan was approved, yay!
Now we're ready to break ground and build, right? Not so fast, now the City's Building Department has to get involved and approve the plans because no construction can take place without a building permit. We were told that between Covid and a crush of new construction the City's Building Department was seriously backed up. Eventually the City wanted some minor changes and they also has a bizarre proposal from the Fire Department that we kill the view and build our home close to the street and build a road with a traffic circle on the hillside view part of the property big enough so that they could turn around a fire engine. That's kind of above and beyond our civic duty. We said no.
After 3 months stuck in building permit purgatory the City gave us our permits and we were ready to break ground and build, right? Not so fast, the builder said that due to inflation and supply chain snafus he was unable to get construction supplies or labor. Concrete was being rationed and he couldn't get any, he said. Could we pick our garage door now? That's because it could take a year to obtain one. He also suggested that we start shopping for appliances immediately as they were nearly un-obtainable. I started to get the feeling that we were building a dacha in the Soviet Union.
We have a nice house in a nice neighborhood. But some of our neighbors got homesick and sold their homes and went back where they came from.
The neighborhood changed further when Covid arrived. This was when people started to disinfect their groceries and Amazon deliveries. People were afraid. I was afraid. Interaction among neighbors on the street was reduced to awkward conversations at the mail kiosk when people stood 20' apart and loudly asked how each other were coping with the threat of the virus and the isolation of the defacto lockdowns (there were no official government mandated lockdowns here). More than once I concluded these conversations with, "OK, see you next year!" I was only half joking. We had a nice house but eventually whatever cohesiveness this neighborhood had succumbed to Covid.
Meanwhile, Covid was no joke. Several people in this neighborhood got it and had long hospital stays and longer recoveries. One of my wife's friends died.
I began to think that I was getting a preview of our later years, when we will further bow to Father Time and have slowed down even more. What if Covid never stopped and we had to spend much of time self confined? Wouldn't it be nice to live in a house to prepare for that time? We looked at a few homes about 20 miles away, many had sewer grinder pumps (meaning no connection to city sewer), no natural gas connection or no cell signal.
And then this piece of land became available.
Standing on the land we had just purchased. Click here for larger picture
It was 3 blocks from where we were living
It had a view. The homes across the street are restricted from building up by their HOA.
Nearly an acre so we'll have plenty of lebensraum from neighbors and street traffic.
Had municipal water and sewer, high speed Internet access and natural gas hookups.
But that was only the beginning. In early 2021 the economy was still wobbly. To sell or to build? We spent a few months waiting to see what would happen and finally decided to build a new home on the land. First we had to figure out what kind of home we wanted. And then we had to find someone to build it.
I knew that whatever we build we'd need to have a deck and big windows in order to capitalize on views like this. If I'm going to spend a great deal of time as a homebody because of age or infirmity I want something better to look at than Netflix or Prime video.
Click here for larger picture and to see the snow capped peaks
Most people aren't directly touched by Obamacare. They get their health insurance through their employer, Cobra, Medicare or for veterans Tricare. Health insurance is mandatory now. The only health insurance that my wife can purchase is Obamacare on the Federal Exchange and at $1378 per month for their Silver plan it's unaffordable. There's no competition, take it but under IRS penalty you'd better not leave it. This is not a political fight for us, it's fixed income survival. Unchecked Obamacare will kill us. Best case: Obamacare cripples us.
Figuring 15% to 50% a year in premium increases we could be out a quarter of a million dollars (possibly more) by the time my wife becomes Medicare eligible in 8 years. And that's just for the mandatory insurance. Because Obamacare includes big deductibles as standard equipment actual health care for most things not catastrophic is an additional cost. I try to realize that Obamacare is working for some people but that's only at the expense of others. There are winners and losers with every government program and in this one we're big losers. I'm angry at the democrats for creating this nightmare for us and I'm angry at the republicans for teasing repeatedly that they'll modify or gut it and then not doing squat. Here's my Senator John McCain when he was running for reelection last summer:
Maverick my ass. He told us what we wanted to hear. Once he was reelected (I regret my vote for him) all of that was forgotten. I want Obamacare done away with, it sits over our heads like a sharp sword. I feel like a chump because I carefully planned and saved for retirement and in doing so set us up for this while others who pissed their money away are getting cheap or free rides. We're the broken eggs in someone else's omelette.
The Feds pay during Obamacare open enrollment time for something called Navigators. We made an appointment at the local hospital to see one and during our meeting quickly established what I already knew, their expensive threadbare and mandatory insurance was absolutely unaffordable. She told us that it was mandatory, I refused and only half in jest I invited her to visit me in Leavenworth. Not because I hate the government but because their health insurance in addition to my Medicare plus supplements would exceed $20,000 for 2018 and will only go up. She said that she understood and told us that most people who come in for these meetings who don't get a subsidized ride leave angry and without buying insurance on the federal marketplace. The upshot is that 2 weeks after the meeting with the navigator where we turned down their insurance we got a bill for $1140 from Blue Cross of AZ for a month of Obamacare. I guess it really is mandatory. I refuse to pay. Leavenworth here we come!
So what about that subsidy that we don't qualify for? Maybe we're rich and deserve to pay full freight. Hey man, no tax cuts or subsidies for the rich! Here's how the subsidy works for 2 people. The eligibility is figured using your gross income, the figure before all the common deductions for stock losses, mortgage interest, medical bills, personal exemption and state and local taxes etc. Have a gross income of $65,000 or less a year? Good news, you get a giant subsidy! Have a million dollars in the bank? You still get the subsidy. Have a gross income of $65,001? Nothing in the bank? No subsidy for you! That's it, $65k gross is the subsidy limit for 2018, that's why exceeding it is referred to as going over the subsidy cliff. Because of my pension and the bull stock market we're just slightly on the wrong side of the subsidy cliff. I'd rather be rich but over the course of 8 years this is guaranteed to make us poor, to possibly force us out of our home and to leave us with nothing but Social Security and cat food.
Not buying insurance on their marketplace opens us up to a fine of 2.5% of our income from the IRS. But there are ways around that. I have to submit paperwork to the IRS documenting that their insurance will cost us in excess of $6000. We've also joined the Christian Healthcare Ministries, by doing so we should get a religious exemption. Thank you Jesus.
OK, so now what? I had a 3 hour phone conversation with an old friend, he's retired and plays with the tax code and Obamacare just for kicks. He told me that due to quirks in Obamacare's ham handed regulations and the way AZ handles them Arizona is probably the worst state for Obamacare. He told me that in AZ there were no alternatives to the Federal Health Insurance Marketplace.
I even broached the subject of divorce with my wife. If we were no longer married she could get any job and get a big subsidy and our retirement funds would remain intact. We'd see a lawyer first so that nothing would change other than the ripping up of the marriage certificate. I've read of couples in our situation who have done this. She wouldn't hear of it. She is once again looking for work. It's slim employment pickens here but supposedly the economy is better now and if she hits the jackpot and gets a job with employer health insurance we can forestall the erosion of retirement assets. Meanwhile, she's making challah at $6 a loaf. Obamacare Silver goes for $1378 a month here so that means that for 2018 the break even point is 230 challahs per month.
A neighbor my wife's age who just quit her job and is facing the same problem as we are called and said that she had answered some junk mail from a salesman who said that he had a way around Obamacare. The salesman was to come to their house to make his pitch, wanna come over and listen? I listened. It's flimsy and legal for them to sell but possibly illegal for us to buy. It's from a company I've never heard of that's owned by Kemper Insurance. They use the Christian Healthcare Ministries as a fig leaf of legality. Thank you Jesus, after a second meeting I bought the questionable insurance because it was a little more than 1/3 the price of Obamacare silver and I felt like I had my back to the wall.
I'm afraid of testing this insurance (it kicks in Dec 1). I'm afraid of the IRS. I'm afraid that the Republicans won't repeal or gut this financial cancer upon us and I'm afraid that the Democrats will again scream that to alter it in the slightest is heartless, cruel and will mean that innocent people will die. They're both full of crap. We're just collateral damage.
This letter recently arrived in the US Mail. Considering all of the radiation side effects I've had since the seed implant procedure on 2/29 I wonder if I'll receive another letter when the radiation declines by the first half life.
I've been home from surgery for a week and recovery hasn't been as uneventful as the pre-surgery handout from my urologist promised.
So now I've met the O/R and know that I never want to go back. I found an O/R to be quite an assembly line. When I was doing all of my paperwork in the waiting room prior to the big event there was a woman with a cane bitching to staff and anybody who would listen about her eye and what some distant relative nurse she found on Facebook told her to tell the doctors that they must do. When I regained consciousnessafter my procedure one of the first things I heard was the same woman, only a partition curtain away, telling the doctors in the O/R what some distant relative nurse she found on Facebook told her that they must do. I met the urologist and oncologist who worked on me prior to my going into the O/R but I haven't seen them since.
I've seen what the Foley catheter looks like installed on/in me and unfortunately it's something that can't ever be unseen, it looked like someone had successfully grafted my Johnson to a garden hose connector ("connection adapter", shown below minus the internal parts that snake into the bladder), plumbing fit for Frankenstein. I knew beforehand that the Foley catheter was going to be part of the show and I chose willful ignorance prior to the procedure and being whacked out on anesthesia during since there was no way I could prevent its use. I knew that such a device existed but had never seen one because I don't hang out in hospitals or look at kinky plumbing prØn.
Once implanted and radioactive I was uncoupled from the hospital's electronics and plumbing I was placed into a wheelchair and sent out of the hospital with a single pain pill, a handout describing what I should do to for a successful recovery and a post card where I could rate my experience and express my customer service concerns to the hospital. All of the hospital staff that I interacted with were courteous, pleasant and polite but there was no box that I could check that said, "please don't attach hospital equipment to my wiener", so I threw the postcard away.
My recovery is coming along more slowly than I was led to believe it would. Other than having prostate cancer I'm in fairly good health so I feel for any guy who isn't in good health and has to withstand this kind of well intentioned abuse. I quickly came to feel as if someone had repeatedly stomped my genital area with hobnailed boots. I had to pee frequently but couldn't produce and I found that incredibly frustrating and frightening. I'd sit like a girl for 20 minutes trying to fight overwhelmingly unpleasant sensations as I tried to start the flow of the river from my yellow headwaters. Eleanor got used to me closing the bathroom door behind me and having sessions of grunting and loud cursing. In retirement a man needs to keep his mind working so I've taken to cursing in Russian (link NSFW!) and да (yes), I'm also teaching myself the Cyrillic alphabet. ебаTь!
I'm leaving the house on a daily basis now and advance scouting for bathrooms wherever I go because I never know when I'm going to suddenly be in need of relief. At night I awake and roll out of bed every hour and a half to urinate, or attempt to, and I find this incredibly annoying (although not as annoying as having an advanced cancer). My hospital handout says that this sleep disturbing side effect of my treatment can linger for months.
Next, many physical journeys by aircraft, automobiles and truck will culminate in the new home that awaits us as I work toward living happily ever after and cancer free.
My cancer now has a 2nd glowing sole print on its ass. I reported to the hospital bright and early and allowed them to sedate me and then to somehow implant radioactivity on the cancerous areas of my prostate gland. I say somehow because I encouraged them to use enough anesthesia to bomb me back to the stone age. I wasn't aware of what they did or how they did it.
Next stop: the O/R where cancer gets the 2nd of a radioactive 1,2 punch
But when they were done I sure knew. While I was off pounding cold ones with Fred and Barney I had a Foley catheterinstalled. Modesty prevents me from relating exactly what that is, where they stuck it or what it looked like when properly installed so click on the link (SFW) and all will be revealed. When I woke up I was in pain all over. My throat hurt because they had stuck some kind of breathing apparatus down in there. My insides hurt where my new radioactive seeds, the ones that I'll take to my grave, now live. My wiener hurt and my bladder was screaming that I had to pee like it was filled with jellied fire. Not knowing where I was and not quite conscious I think that I tried to get up with the intention of finding a men's room. But I still had tubes in me and wired sensors on me, some of which I'm told that I ripped out. Oh, and the Foley catheter was still properly plumbed. My struggle is what the nurse told me caused the big blood stain on the bed. The nurse warned me that when he removed Mr. Foley's catheter it would be painful and boy was he ever right. I screamed from the intense burning pain in a very personal place where I had never felt pain before. They sent me home wearing a maxi-pad. When I got home I motored around my house under my own power. I'm uncomfortable and when I urinate it burns like I'm peeing Drano but the doctors said that I should feel better in a few days. I'm carrying enough internal radiation to arouse the TSA or ICE from their slumber but I have a card attesting to my nuclear non-proliferation status to show them at the airport or the Canadian border. My post-op instructions say to not allow little children to sit on my lap due to radiation and to take it easy for a few weeks. My urologist says that if the scan I'm to receive shortly shows the seeds taking root in the right place I'm good to go, to move to our new home and to live out the rest of my days happily ever after.
Just prior to the procedure to seed my prostate gland with radiation I can carry around I received a pre game PSA test. A score of 4 or lower is considered normal. I was sent to a urologist with a score of 8, which grew to an 11.
Below is proof that 5 weeks of a daily radiation blast and some hormones get results, I now have the PSA of a normal guy.
In order to keep the PSA of a normal guy I'll need to get some more radiation, this time implanted on the prostate glad itself. I'm in the on deck circle for that right now.
Assuming that everything goes according to plan with my upcoming brachytherapy here are 2 pictures of our recently completed house along with a still shot from a webcam overlooking the development.
Although I'm still left with the side effects of 5 weeks of radiation Godzilla is safely back in his cage. Soon I will get internal radiation and then hopefully be on my way to beating cancer and selling our house.
Leap year comes once but every 4 years and every 4 years I do a double take when I look at a calendar and see February 29th. I've did a double take after I found out that my next step in prostate cancer treatment, seeding the prostate gland with little bits of a radioactive substance, was scheduled for the morning of February 29th. So imagine my surprise when I received an email from the builder of our new house in Arizona saying that they'd like us to come on down for the closing on our house to trade a large sum of cash for title and keys on February 29th. What are the odds?
By the time you read this I'll be move in ready!
The builder broke ground the day I received my cancer diagnosis. So in the race to see whether I'd beat cancer first or have to cough up money for a house I can't move into until I beat cancer is over, the house won. Needless to say I can't hand over money in Arizona while I'm sedated and having an invasive medical procedure performed on me in Seattle so my wife called the builder and sweet talked them into a no cost extension, because moving into a new house is a really big deal but becoming cancer free is job #1 prime directive now. Only after recovery can I seriously think about job #2: paying for the new house, moving to the new house and selling the old house. New house closing date is now March 15, the oncologist says I should be roadworthy by then. I'm in the home stretch of daily radiation treatments and can't wait to hit the 5 week finish line. The most annoying radiation side effect so far has been on my bladder. Driven crazy by radiation it's in perpetual freakout mode, always alerting me that it's full and ready to burst. "I gotta go!!!!!", Right NOW! There are no half measures, no stalling, no putting it off for the next rest area on the freeway. It's always seems like a matter of desperation. I sometimes awake every hour during the night to stumble to the bathroom and pee and man, is that annoying. My oncologist says that this should diminish when the daily radiation stops, only to pick up again in March when radiation will be permanently installed in the prostate gland itself. It should permanentlydiminish as the radiation half life decays the radiation away, kills the cancer and the seeds become inert. Those inert seeds will go to the grave with me. So how is this seed installation done? What happens after the radioactive seeds are implanted? If you're curious click here and read,
WHAT TO EXPECT FROM A SEED IMPLANT: THE FIRST TWELVE MONTHS
I received that in the US mail and it was most likely written by my oncologist as his name is first on the masthead. I had been under the impression that they would place these radioactive seeds in my prostate gland through my back door just as the urologist previously biopsied it but this isn't so.
Following anesthesia, thin needles containing radioactive seeds
are precisely placed under ultrasound guidance through the skin between the
scrotum and rectum and into the prostate.
Yow! That sounds like a frightening thing to let strangers do in a very tender place. Anesthesia isn't what I thought it would be either:
The first choice is a spinal anesthetic where
a thin needle is inserted in the lower back and a Novocaine-like medication is
injected. With spinal anesthesia, patients are temporarily numb from the waist
down and will not feel any of the needles being placed. In addition to the
spinal anesthetic, patients commonly receive a sedative intravenously so that
they are more relaxed and often sleep through the procedure. The spinal
anesthesia is the most frequent choice of patients and the one that we usually
recommend whenever possible.
The second choice is a light general anesthetic so
the patient is completely “out.” This works well but patients are often groggy
for some time after the procedure. The anesthesiologist will review the details
including both pros and cons of these two approaches. Sometimes the type of
anesthetic is determined by the patient’s overall medical condition; other
times it is a choice for the patient to make.
Make mine choice #2, light general anesthetic. I don't want to experience the lower half of my body turn numb while I watch people insert things into me. I know that this work needs to be done, wake me when it's over.
