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And here is WHY I'm paying $113,771 to rehab my house's clay tile roof!

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John Kuthe

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May 13, 2020, 3:02:43 PM5/13/20
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http://www.oldworldroofingco.com/Testimonials.php

Can't do that for a whole lot less! Who property rehabs tile roofs? Hardly any roofers I have found. Roofers like a maybe strip off too many layers of asphalt shingles or cheaper less just nail up one MORE layer on top!

John Kuthe...

Dave Smith

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May 13, 2020, 3:36:39 PM5/13/20
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On 2020-05-13 3:02 p.m., John Kuthe wrote:
> http://www.oldworldroofingco.com/Testimonials.php
>
> Can't do that for a whole lot less! Who property rehabs tile roofs? Hardly any roofers I have found. Roofers like a maybe strip off too many layers of asphalt shingles or cheaper less just nail up one MORE layer on top!

Roofers like to strip the old shingles off so they can a look at the
sheathing to see if any of it needs to be replaced. Then they lay a
layer of snow and ice guard. It also reduces the weight borne by the
roof. It takes very little time and work to strip the old shingles. The
big cost there is disposal.

Cindy Hamilton

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May 13, 2020, 3:53:17 PM5/13/20
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Please, don't confuse him with facts.

Cindy Hamilton

John Kuthe

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May 13, 2020, 5:56:08 PM5/13/20
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No they don't! Most roofers just would rather nail down new shingles over the old and call it gud enuf! A GOOD roofer will peel off the shingling and examine the underroof, replacing wood and then putting down waterproofing material then new shingling over that.

Did you read some of the testimonials for Old World Roofing? They specialize in tile and slate roofs and do the job RIGHT, taking off existing tile or slate, repairing what under it then replacing the tile or slate, replacing tiles or slate that need replacing. The right way!

John Kuthe...

Hank Rogers

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May 13, 2020, 6:04:21 PM5/13/20
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They sound wonderful. Are they certified cannabis roofers?


John Kuthe

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May 13, 2020, 6:12:27 PM5/13/20
to
STFU Sock Puppet!

John Kuthe...

Hank Rogers

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May 13, 2020, 6:17:43 PM5/13/20
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Now, now. Don't forget to take your nut pills.


John Kuthe

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May 13, 2020, 6:54:25 PM5/13/20
to
FUCK YOU Sock Puppet! :-(

John Kuthe...

Thomas

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May 13, 2020, 7:49:15 PM5/13/20
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The most expensive might not be the best.

Cindy Hamilton

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May 14, 2020, 6:26:21 AM5/14/20
to
On Wednesday, May 13, 2020 at 5:56:08 PM UTC-4, John Kuthe wrote:
> On Wednesday, May 13, 2020 at 2:36:39 PM UTC-5, Dave Smith wrote:
> > On 2020-05-13 3:02 p.m., John Kuthe wrote:
> > > http://www.oldworldroofingco.com/Testimonials.php
> > >
> > > Can't do that for a whole lot less! Who property rehabs tile roofs? Hardly any roofers I have found. Roofers like a maybe strip off too many layers of asphalt shingles or cheaper less just nail up one MORE layer on top!
> >
> > Roofers like to strip the old shingles off so they can a look at the
> > sheathing to see if any of it needs to be replaced. Then they lay a
> > layer of snow and ice guard. It also reduces the weight borne by the
> > roof. It takes very little time and work to strip the old shingles. The
> > big cost there is disposal.
>
> No they don't! Most roofers just would rather nail down new shingles over the old and call it gud enuf!

Roofers will do a tear-off if you ask for it and pay them to do it.

Cindy Hamilton

Gary

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May 14, 2020, 9:19:59 AM5/14/20
to
Cindy Hamilton wrote:
>
> John Kuthe wrote:
> > Most roofers just would rather nail down new shingles over
> > the old and call it gud enuf!
>
> Roofers will do a tear-off if you ask for it and pay them to do it.

I'm talking about the common asphalt shingles/roofs -

I've known or at least talked to several roofers here
over the years.

All would rather remove the old and start fresh. That's the
proper way to do it. This way they can inspect the plywood
for damage and replace if necessary. Then new tarpaper down
followed with new shingles.

It's definitely more expensive as it requires much more
labor plus disposing of the old. Naturally a roofing
company likes that option. They make more money on one
job plus (again) it's the ideal way.

Other option is to lay a new set of shingles right over the
old one. Roofer told me that will work fairly ok but
only over one layer. If someone needs a new roof and already
had 2 layers, he won't do the job unless he can remove them
both first.

graham

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May 14, 2020, 9:47:52 AM5/14/20
to
On 2020-05-14 7:18 a.m., Gary wrote:
> Cindy Hamilton wrote:
>>
>> John Kuthe wrote:
>>> Most roofers just would rather nail down new shingles over
>>> the old and call it gud enuf!
>>
>> Roofers will do a tear-off if you ask for it and pay them to do it.
>
> I'm talking about the common asphalt shingles/roofs -
>
> I've known or at least talked to several roofers here
> over the years.
>
> All would rather remove the old and start fresh. That's the
> proper way to do it. This way they can inspect the plywood
> for damage and replace if necessary. Then new tarpaper down
> followed with new shingles.
>

That's the standard way here! I have never heard of putting new over old.

Dave Smith

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May 14, 2020, 10:27:00 AM5/14/20
to
Indeed. There are lots of roofers out there who will do a quick and
easy job for cheap. The maximum allowed by most municipal building codes
is two unless it is a really steep roof and can bear the weight.
Reputable roofers usually want to strip the old roof so get a look at
the wood underneath. They are guaranteeing they work so they want it
done right.

But let's face it, way too many roofers are sleazy and will take the
easy way out. They hire scum buckets. If you hire a cheap roofer you
can be guaranteed that at least some of his crew have done time in
prison. Make sure that your valuables are hidden because your house is
likely to be burgled within a month or two after the job.

A coworker of mine was well aware of the character of roofers and went
to a reputable company. He insisted that the job not be subcontracted.
He was dismayed to find that the job had ended up being subcontracted.
A couple weeks after the job was done his house was broken into.




Boron Elgar

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May 14, 2020, 11:20:02 AM5/14/20
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Permits in this area allow up to three layers of shingles for most
homes. Tear-off can certainly be chosen if the homeowner prefers, but
is required after the 3rd layer.

Local regs and recommendations can vary, including by roof pitch,
though.

https://pro.homeadvisor.com/article.show.Reroofing-Over-Asphalt-Shingles.13861.html

S Viemeister

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May 14, 2020, 12:38:10 PM5/14/20
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On 5/14/2020 2:18 PM, Gary wrote:

> Other option is to lay a new set of shingles right over the
> old one. Roofer told me that will work fairly ok but
> only over one layer. If someone needs a new roof and already
> had 2 layers, he won't do the job unless he can remove them
> both first.
>
In some jurisdictions, code requires that there not be any more than two
layers of shingles.

Sheldon Martin

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May 14, 2020, 1:11:28 PM5/14/20
to
Decent roofers wont roof over old shingles unless it a small patch due
to wind damage or from a fallen branch, and that's providing rhe rest
of the shingles are in good condition.... and that's why when a roof
is shingled have the roofer order an extra bundle to store in a
garage/shed.

Dave Smith

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May 14, 2020, 1:26:38 PM5/14/20
to
According to your link, they allow two layers for roofs with 4/12 pitch
and three on steeper roofs... if they can handle the extra weight.



itsjoan...@webtv.net

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May 14, 2020, 1:30:35 PM5/14/20
to
On Thursday, May 14, 2020 at 8:47:52 AM UTC-5, graham wrote:
>
> That's the standard way here! I have never heard of putting new over old.
>
It depends on the city in which you live what their codes law is. Some
cities will allow three layers but that's a tremendous amount of weight
on your house.

John Kuthe

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May 14, 2020, 2:29:20 PM5/14/20
to
Which is not to say some less than scrupulous subcontractors will not do it to save $$.

Thinking everyone follows the rules is fallacious as hell!

John Kuthe...

Cindy Hamilton

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May 14, 2020, 3:40:06 PM5/14/20
to
On Thursday, May 14, 2020 at 1:11:28 PM UTC-4, Sheldon wrote:

> Decent roofers wont roof over old shingles unless it a small patch due
> to wind damage or from a fallen branch, and that's providing rhe rest
> of the shingles are in good condition.... and that's why when a roof
> is shingled have the roofer order an extra bundle to store in a
> garage/shed.

Decent roofers won't, but a homeowner who wants the rock-bottom lowest
price can find some crappy hack who will nail down an entire roof
over existing shingles. I've seen houses with two or three layers
of shingles on them.

Cindy Hamilton

Dave Smith

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May 14, 2020, 3:53:39 PM5/14/20
to
A bundle of shingles can weigh up to 80 pounds and there were three
three tab bundles to a square. Use the example of a house that is 60x30.
It's going to need 57 bundles. That is 4560 lb. in shingles. Add a
second layer on that and your have 4.56 Tons on your roof. From what I
have read, they only allow a third layer if it is a really steep pitch.

graham

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May 14, 2020, 4:11:14 PM5/14/20
to
I have just looked at the Alberta code. New over old is not permitted!

Boron Elgar

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May 14, 2020, 5:54:17 PM5/14/20
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And this is why we say TWIAVBP.

itsjoan...@webtv.net

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May 14, 2020, 5:57:02 PM5/14/20
to
On Thursday, May 14, 2020 at 3:11:14 PM UTC-5, graham wrote:
>
> I have just looked at the Alberta code. New over old is not permitted!
>
That's good, it shouldn't be allowed ANYWHERE.

Mike Duffy

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May 14, 2020, 6:22:05 PM5/14/20
to
On Thu, 14 May 2020 07:47:47 -0600, graham wrote:

> I have never heard of putting new over old.

It is often used by shady roofers. Usually, the shingles are extremely
poor quality, and applied with no expectation of meeting the warranty.

When enough people start suing the company for damages, it goes bankrupt,
and all assets are bought by a 'confederate', who then re-hires all the
former staff to form a new LLC.

Dave Smith

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May 14, 2020, 6:33:14 PM5/14/20
to
Rehire what staff. The low end roofers hire a lot of ex cons. They don't
expect them to stay very long.

Alex

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May 14, 2020, 7:34:56 PM5/14/20
to
That's why they have building departments and inspections, expert.

Alex

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May 14, 2020, 7:36:26 PM5/14/20
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That doesn't make sense.  The steeper the pitch, the more square feet of
roof that you have.

Dave Smith

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May 14, 2020, 7:45:50 PM5/14/20
to
i guess it depends on the engineering and how that roof is supported.

graham

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May 14, 2020, 8:30:42 PM5/14/20
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The geometry makes the difference!

Cindy Hamilton

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May 15, 2020, 5:55:20 AM5/15/20
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It's possible to have a roof put on your house without involving the
building department or inspections.

Risky, but it happens all the time.


Cindy Hamilton

Leo

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May 15, 2020, 6:16:56 AM5/15/20
to
On 2020 May 15, , Cindy Hamilton wrote
(in article<3057991d-a3f4-49c2...@googlegroups.com>):

> It's possible to have a roof put on your house without involving the
> building department or inspections.
>
> Risky, but it happens all the time.

It does and it is. Do-it-yourself, or cheapo contractors dodging building
permits, put homeowner and liability insurance coverage at risk and can
even get worse without a a permit and inspection if the worst happens.
Well...where I live.

leo


Dave Smith

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May 15, 2020, 11:15:37 AM5/15/20
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If I am reading the information from the town correctly you need a
permit if you are altering or rebuilding a roof, but not to re-shingle.
I have had my roof done professionally twice. The last time it was done
by a insurance company and using a very professional business. Not a
word was said about a building permit.

Alex

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May 15, 2020, 8:29:36 PM5/15/20
to
Sure, but it was engineered for one layer of shingles and any snow load.

Alex

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May 15, 2020, 8:30:51 PM5/15/20
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The truss engineering makes the difference.  How many do you think were
designed for three layers of shingles?

Alex

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May 15, 2020, 8:31:55 PM5/15/20
to
It's a bad move.  For resale value your new roof doesn't exist if it's
not permitted.

John Kuthe

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May 15, 2020, 9:34:52 PM5/15/20
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Why would I ever sell? Dipshit!

John Kuthe...

Cindy Hamilton

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May 16, 2020, 6:04:13 AM5/16/20
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Yet thousands of such houses are sold every year.

Heh. I guess my bathroom doesn't exist. We gutted it four years ago and
didn't pull a permit. Sistered some joists beneath it where some numbskull
cut too much away from the joists. Patched holes in the subfloor and covered
that with an additional layer of plywood then concrete backer board (there was
a ginormous layer of mortar beneath the old ceramic tiles that enable us
to fit those two layers in). Framed in the medicine cabinet properly
so _it_ wasn't a load-bearing member. All new plumbing. New lighting.
Moved the furnace ductwork.

The only visible thing we kept from the old bathroom was the ceiling and
exhaust fan.

Cindy Hamilton

Gary

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May 16, 2020, 9:29:50 AM5/16/20
to
John Kuthe wrote:
>
> Alex wrote:
> > For resale value your new roof doesn't exist if it's
> > not permitted.
>
> Why would I ever sell? Dipshit!

You might if you ever run out of money to maintain it.
That happens to many.

At least you own it. You'll always have the option to sell
or get a Reverse Mortgage.

GM

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May 16, 2020, 9:49:30 AM5/16/20
to
Unless the IRS or some other taxing authority places a lien on his property...

--
Best
Greg

Sheldon Martin

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May 16, 2020, 9:58:20 AM5/16/20
to
The more acute the triangle the more it will support.
There's a really dumb investment company ad on TV about a four legged
stool being more stable than a three legged stool... even imbeciles
know that three legged stools are more stable, that's why cameras,
telescopes, and easels are set on tripods. There's a good reason why
in snow country the A-Frame is popular. Kootchie's obtusely
constructed house is a perfect match for his obtuse personality.

John Kuthe

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May 16, 2020, 10:04:22 AM5/16/20
to
Nahhh, that would be getting an evil BANK's hooked claws into it! That is why I bought this house cash. NO loans, NO notes, NO mortgages! NO Bank $$! Only MY money!

John Kuthe...

Sheldon Martin

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May 16, 2020, 10:05:44 AM5/16/20
to
That's true and when resold there's a good chance it will be reassesed
more stringently... actually when the municipality discovers that
Kootchie is having a new roof without permits he will be subject to
reassesment for property taxes.

John Kuthe

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May 16, 2020, 10:06:08 AM5/16/20
to
Fuck you Greg! MYOB and post things about food and cooking instead of trolling me!

John Kuthe...

Sheldon Martin

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May 16, 2020, 10:09:18 AM5/16/20
to
You don't need to sell for your house to be reassesed, and you'll owe
back taxes for not obtaining permits, dipshit.

John Kuthe

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May 16, 2020, 10:09:49 AM5/16/20
to
WHY do you ASSUME so much, ShelDUM! A "new roof without permits"? Do you think Old World Roofing will take care of any permitting necessary? That is normally what you pay a good subcontractor for, quality work/materials and all necessary permits. DUH!!


John Kuthe...

Sheldon Martin

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May 16, 2020, 10:21:28 AM5/16/20
to
Eventually construction without obtaining permits can catch up to you,
especially electrical work without a fire underwriters inspection
which requires a fully licensed electrician performing the work. It's
a big risk performing ones own electrical work, in case of a fire
insurance won't pay.

Dave Smith

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May 16, 2020, 10:58:39 AM5/16/20
to
How many people are dumb enough to get a reverse mortgage?



John Kuthe

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May 16, 2020, 11:39:59 AM5/16/20
to
People are not always blessed with the best of common sense! :-(

John Kuthe...

Cindy Hamilton

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May 16, 2020, 11:40:07 AM5/16/20
to
Not here. I'll admit we were suppose to pull a permit, but homeowners
can perform any work on their house as long as it is up to code. If
what you say were the case, very few homeowners would be able to collect
on a fire claim.

Cindy Hamilton

Cindy Hamilton

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May 16, 2020, 11:40:56 AM5/16/20
to
My mother got one. She plowed the money back into the house, when
it needed repairs that she could not afford.

Cindy Hamilton

GM

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May 16, 2020, 11:59:44 AM5/16/20
to
"The Little Old Kootchie Who Lived In a SHMOO"...lol...

--
Best
Greg

itsjoan...@webtv.net

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May 16, 2020, 12:29:22 PM5/16/20
to
Permits are required here for any outside construction whether it's for a
repair or an addition. But inside projects do not require a permit but
if the inside work is shoddy the homeowner is only cutting off their own
nose to spite their face. They would have to do any necessary repairs to
sell the property for a profit or even possibly to sell it all.

Two and half years ago I had a complete gut and remodel done on the original
bathroom in this house. No permit required as it was an inside job but
the guys I hired had done work for my brother and they were top-notch
remodelers and everything was completed beyond my expectations. Pretty
sure the job added many thousands of dollars to the value of my house.

Hank Rogers

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May 16, 2020, 1:24:44 PM5/16/20
to
Is it OK for him to post about sexy sweaty ripping?
Starting churches?
Electric cars?
Cannabis?
House mates?
Shit on craigs list?
UZIs?

We couldn't do without that.




Dave Smith

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May 16, 2020, 1:32:19 PM5/16/20
to
Around here there are jobs for which permits are always required, like
buildings more than 100 sq. ft, any building with plumbing, decks,
swimming pools, major renovations.


The shit can hit the fan down the road if major work is done without a
permit. There is a couple in our town who ran into problems after having
build a granny flat in their house. Somewhere along the line the owner
was in an accident and became disabled. He wanted to make some
renovations to make it more accessible but the town refused to issue a
building permit because the house was not in compliance with zoning
limits. The town eventually caved and rezoned the property to allow it
but it cost the owner a bundle.

Zoning bylaws are sometimes almost a joke because people with good
connections or enough money find ways to get around them. One of the
most common scams around here is for someone to buy a house of an nice
big piece of property. They get a building permit that is conditional
on the old house being torn down upon completion of the new one. They
move their parents into the old house and build the new one. Then they
whine that tearing town the old house will put an elderly couple of
their home. Invariably the town caves and allows them to sever the
property with the old house.




Dave Smith

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May 16, 2020, 1:36:41 PM5/16/20
to
On 2020-05-16 11:40 a.m., Cindy Hamilton wrote:
A lot of people max out the reverse mortgage as a source of retirement
revenue. By the time they kick the bucket the interest accrued has eaten
the rest of the equity and the financial institution has bought their
house for half its value.


John Kuthe

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May 16, 2020, 1:46:20 PM5/16/20
to
And THAT it is a bad investment!

As I've said, people are NOT THAT SMART!

John Kuthe...

Hank Rogers

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May 16, 2020, 2:52:01 PM5/16/20
to
It just seems that way because you are a genius!


Alex

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May 16, 2020, 9:40:12 PM5/16/20
to
You said you were giving it to your son, dipshit.  He will have no proof
of any work of value without a permit.

Alex

unread,
May 16, 2020, 9:48:01 PM5/16/20
to
I remodeled my kitchen and a bathroom without a permit.  The value of
those improvements are important only to you and a potential buyer - if
they like your choices.  A roof has an expiration date so proof of a
replacement is very valuable.  Without one, you can't accurately
document the date.  If you have a receipt for the work (which anyone
could fake) it doesn't show it passed inspection.

Alex

unread,
May 16, 2020, 9:53:05 PM5/16/20
to
OK, but the diameter of the legs of that stool will determine if you, or
your fat cousin Bubba, can sit on it without breaking it. Roof trusses
are much more involved than a stool.

An A-frame will shed snow more efficiently than a roof with a 4/12 pitch
but three layers of shingles on any roof are always there.

John's house is a money pit without his overpriced improvements!

Alex

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May 16, 2020, 9:56:06 PM5/16/20
to
Maybe because you assumed I was responding to you when I was responding
to Cindy.  You seem to have a problem following threads and you often
assume everything posted in your thread is about you.

Alex

unread,
May 16, 2020, 9:58:02 PM5/16/20
to
Enough to support all of those TV ads with A-List celebrities pitching
them.  It would be a last resort for someone in a bad situation but they
make them sound like everyone does it.

John Kuthe

unread,
May 16, 2020, 9:58:45 PM5/16/20
to
Old World Roofing is a very well respected business here in STL. Did you read their testimonials online?

http://www.oldworldroofingco.com/Testimonials.php

An MD, Associate Dean, Saint Louis University School of Law, Chairman of a very well known school here in STL!

Old World Roofing does excellent work, and I'm sure they will get any necessary permits. But they are NOT CHEAP! And I want this job done right!

John Kuthe...

Alex

unread,
May 16, 2020, 9:58:48 PM5/16/20
to
Says the poster child of overpaying and getting screwed on bad deals.

John Kuthe

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May 16, 2020, 9:58:56 PM5/16/20
to

Alex

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May 16, 2020, 10:07:42 PM5/16/20
to
Dave Smith wrote:
> On 2020-05-16 11:40 a.m., Cindy Hamilton wrote:
>> On Saturday, May 16, 2020 at 10:58:39 AM UTC-4, Dave Smith wrote:
>>> On 2020-05-16 9:28 a.m., Gary wrote:
>>>> John Kuthe wrote:
>>>>>
>>>>> Alex wrote:
>>>>>> For resale value your new roof doesn't exist if it's
>>>>>> not permitted.
>>>>>
>>>>> Why would I ever sell? Dipshit!
>>>>
>>>> You might if you ever run out of money to maintain it.
>>>> That happens to many.
>>>>
>>>> At least you own it. You'll always have the option to sell
>>>> or get a Reverse Mortgage.
>>>>
>>>
>>> How many people are dumb enough to get a reverse mortgage?
>>
>> My mother got one.  She plowed the money back into the house, when
>> it needed repairs that she could not afford.
>>
>
> A lot of people max out the reverse mortgage as a source of retirement
> revenue. By the time they kick the bucket the interest accrued has
> eaten the rest of the equity and the financial institution has bought
> their house for half its value.
>
>

That's what they are designed for.

Alex

unread,
May 16, 2020, 10:12:11 PM5/16/20
to
Reverse mortgages are NOT an investment.  You, evidently, don't know how
they work and what their purpose is.  YOU are NOT THAT SMART!

https://reverse.mortgage/how-does-it-work

A surprisingly honest explanation from a firm dealing in reverse mortgages.

Alex

unread,
May 16, 2020, 10:15:04 PM5/16/20
to
John Kuthe wrote:
> On Saturday, May 16, 2020 at 8:29:50 AM UTC-5, Gary wrote:
>> John Kuthe wrote:
>>> Alex wrote:
>>>> For resale value your new roof doesn't exist if it's
>>>> not permitted.
>>> Why would I ever sell? Dipshit!
>> You might if you ever run out of money to maintain it.
>> That happens to many.
>>
>> At least you own it. You'll always have the option to sell
>> or get a Reverse Mortgage.
> Nahhh, that would be getting an evil BANK's hooked claws into it! That is why I bought this house cash. NO loans, NO notes, NO mortgages! NO Bank $$! Only MY money!
>
> John Kuthe...

It's an asset.  Unless MO law has something on the books to protect you,
it can be seized by the government.  They don't give a shit that you
paid for it with *your father's money*.  They would actually prefer that
it not have a lien.

Bruce

unread,
May 16, 2020, 10:24:14 PM5/16/20
to
I think you two should exchange email addresses.

John Kuthe

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May 16, 2020, 10:32:07 PM5/16/20
to
On Saturday, May 16, 2020 at 9:24:14 PM UTC-5, Bruce wrote:
...
> I think you two should exchange email addresses.

Alex would never do that, he want a PUBLIC forum for his rants!

John Kuthe...

Bruce

unread,
May 16, 2020, 10:35:22 PM5/16/20
to
He must think this isn't rec.food.cooking but
rec.food.alexharrassesjohn.

Nellie

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May 16, 2020, 10:57:09 PM5/16/20
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- show quoted text -
Old World Roofing is a very well respected business here in STL. Did you read their testimonials online?

http://www.oldworldroofingco.com/Testimonials.php

An MD, Associate Dean, Saint Louis University School of Law, Chairman of a very well known school here in STL!

Old World Roofing does excellent work, and I'm sure they will get any necessary permits. But they are NOT CHEAP! And I want this job done right!

John Kuthe...

I see 10 reviews and none more recent than
2006, one going back to 1996
If they are as busy as you say, wouldn’t/shouldn’t
there more?

Nellie

Hank Rogers

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May 16, 2020, 11:01:53 PM5/16/20
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> If they are as busy as you say, wouldn’t/shouldn’t
> there more?
>
> Nellie
>

He has a 300 year plan, so that stuff is relatively recent.


GM

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May 16, 2020, 11:41:12 PM5/16/20
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Lol...

John kinda zooms around like Dr. Who in his Tardis...IOW John is in his own time/space "continuum"...maybe smoking some weed will calm him down a wee bit...

--
Best
Greg

Gary

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May 17, 2020, 2:12:15 PM5/17/20
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John Kuthe wrote:
> People are not always blessed with the best of common sense! :-(

You said it, not me.

Gary

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May 17, 2020, 2:12:30 PM5/17/20
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Cindy Hamilton wrote:
>
> Dave Smith wrote:
> > How many people are dumb enough to get a reverse mortgage?
>
> My mother got one. She plowed the money back into the house, when
> it needed repairs that she could not afford.

It can be a good thing for some but not all. Depends on reasons
and circumstances.

Dave Smith

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May 17, 2020, 3:53:11 PM5/17/20
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Lots of people get a second mortgage to get some cash for something
special. Maxing out on a reverse mortgage us usually just a really bad
investment that allows financial institutions to acquire houses for
about half their value.


There are always risks to investments. Some people come out way behind
while others come out on top. Annuities can be a risk. You invest in
them and when you hit a certain age you said collecting your annuities.
As long as you are alive they keep paying. When you die they get
whatever is left of the money you invested. Then there are people like
my aunt and uncle. When they retired early and moved to Florida they
invested their money into annuities. He died two years ago 6 months
short of 100. She is still going strong at 97. They came out ahead on
the game.


Bruce

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May 17, 2020, 11:16:23 PM5/17/20
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On Sun, 17 May 2020 21:57:19 -0500, Sqwertz <sqwe...@gmail.invalid>
wrote:

>On Fri, 15 May 2020 20:29:27 -0400, Alex wrote:
>
>> Dave Smith wrote:
>>>
>>>> That doesn't make sense.  The steeper the pitch, the more square feet
>>>> of roof that you have.
>>>
>>> i guess it depends on the engineering and how that roof is supported.
>>
>> Sure, but it was engineered for one layer of shingles and any snow load.
>
>That's where Pythagoras's theorem is used in estimating the squares
>needed for a roof job. Flat square feet + the differences of the
>hypotenuses (pitch) + starters and ridges.
>
>ALWAYS do a tearoff, new felt, and 1 layer of new shingles.

Are you paying attention, Sheldon? Do as he says or live in a goat
barn!

Sheldon Martin

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May 18, 2020, 9:50:23 AM5/18/20
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The dwarf is saying very little, roofers are not going to change the
roof pitch. He doesn't specify which type of shingles... the typical
bargain shingles that most roofers use and people are willing to pay
for barely last 10 years and if any warranty remains it's a prorated
amount like tires/pocket change. If doing a new roof use
architectural shingles, they last longer than the warranty period,
which can be 25-50 years and they look much better than those cheapo
shingles. It makes no sense to use cheapo shingles because the labor
and underlayment is the same.
Nowadays a metal roof is the way to go, naturally depending on the
homeowner's age and how long they plan to be there. There's a lot to
consider when calculating roofing, especially climate... asphalt
roofing won't last very long in a hot sunny area... in southern Cal
cedar shakes are popular.
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