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	<title>Comments on: Daily Links: Knob and Tube Edition</title>
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	<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/</link>
	<description>Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.</description>
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		<title>By: RaslDasl</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-157556</link>
		<dc:creator>RaslDasl</dc:creator>
		<pubDate>Mon, 24 Nov 2008 18:23:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-157556</guid>
		<description>JD - how did this all turn out? I have a drafty old house with knob and tube and am considering replacing the wiring so I can insulate.</description>
		<content:encoded><![CDATA[<p>JD &#8211; how did this all turn out? I have a drafty old house with knob and tube and am considering replacing the wiring so I can insulate.</p>
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		<title>By: Susan Carley Oliver</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-142375</link>
		<dc:creator>Susan Carley Oliver</dc:creator>
		<pubDate>Wed, 30 Jul 2008 01:55:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-142375</guid>
		<description>JD, if you have a free moment (hah!) I would love to know who you are using for these two jobs.  I also need to update my wiring and blow in some insulation, and I&#039;m in the Portland area.</description>
		<content:encoded><![CDATA[<p>JD, if you have a free moment (hah!) I would love to know who you are using for these two jobs.  I also need to update my wiring and blow in some insulation, and I&#8217;m in the Portland area.</p>
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		<title>By: kitep</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135943</link>
		<dc:creator>kitep</dc:creator>
		<pubDate>Tue, 10 Jun 2008 23:55:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135943</guid>
		<description>My understanding is that the rolled insulation leaves room for air convection to reduce how good it really is.  Blown in insulation doesn&#039;t have the same problem.</description>
		<content:encoded><![CDATA[<p>My understanding is that the rolled insulation leaves room for air convection to reduce how good it really is.  Blown in insulation doesn&#8217;t have the same problem.</p>
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		<title>By: Joe</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135926</link>
		<dc:creator>Joe</dc:creator>
		<pubDate>Tue, 10 Jun 2008 22:15:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135926</guid>
		<description>Must you do blown insulation? Buy some rolls of insulation and roll out yourself. It won&#039;t take long and it&#039;s REALLY easy to remove if you need to do work.</description>
		<content:encoded><![CDATA[<p>Must you do blown insulation? Buy some rolls of insulation and roll out yourself. It won&#8217;t take long and it&#8217;s REALLY easy to remove if you need to do work.</p>
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		<title>By: Chett</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135801</link>
		<dc:creator>Chett</dc:creator>
		<pubDate>Tue, 10 Jun 2008 11:35:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135801</guid>
		<description>Hey JD the good thing about replacing the wiring is it will quite possibly lower your insurance premiums.  Call your agent and ask them to come to your house and look at the wiring upgrade and for any other suggestions that might help you save on your monthly premiums.  There is always a bright side.</description>
		<content:encoded><![CDATA[<p>Hey JD the good thing about replacing the wiring is it will quite possibly lower your insurance premiums.  Call your agent and ask them to come to your house and look at the wiring upgrade and for any other suggestions that might help you save on your monthly premiums.  There is always a bright side.</p>
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		<title>By: Mela</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135533</link>
		<dc:creator>Mela</dc:creator>
		<pubDate>Sun, 08 Jun 2008 14:35:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135533</guid>
		<description>You may be able to offset some of the cost of the electrical work by selling the used knob and tube wiring, specifically the ceramic knobs. They sell for a bit to historically minded people and museums.</description>
		<content:encoded><![CDATA[<p>You may be able to offset some of the cost of the electrical work by selling the used knob and tube wiring, specifically the ceramic knobs. They sell for a bit to historically minded people and museums.</p>
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		<title>By: RaslDasl</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135499</link>
		<dc:creator>RaslDasl</dc:creator>
		<pubDate>Sun, 08 Jun 2008 03:29:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135499</guid>
		<description>There is nothing inherently unsafe about knob and tube wiring. We had no problem getting homeowners insurance once because our house inspectors had taken excellent notes and pictures of the wiring. We just sent the applicable pages of the inspection report to the insurance company and we were good to go. However, the insulation situation is probably not good. I agree with the posters who recommend trying to remove and replace the insulation yourself. Never pay a contractor to do work you can do just as well yourself. I&#039;ll hire a wallpaper contractor to hang paper but never to strip it. Carpet guy to lay carpet, not to rip it up. The skill level to time ratio is all wrong.
p.s. That&#039;s probably why the cost for the electrician to remove the insulation is so high. He is probably going to sub-contract it to someone else, it&#039;s not worth his time.</description>
		<content:encoded><![CDATA[<p>There is nothing inherently unsafe about knob and tube wiring. We had no problem getting homeowners insurance once because our house inspectors had taken excellent notes and pictures of the wiring. We just sent the applicable pages of the inspection report to the insurance company and we were good to go. However, the insulation situation is probably not good. I agree with the posters who recommend trying to remove and replace the insulation yourself. Never pay a contractor to do work you can do just as well yourself. I&#8217;ll hire a wallpaper contractor to hang paper but never to strip it. Carpet guy to lay carpet, not to rip it up. The skill level to time ratio is all wrong.<br />
p.s. That&#8217;s probably why the cost for the electrician to remove the insulation is so high. He is probably going to sub-contract it to someone else, it&#8217;s not worth his time.</p>
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		<title>By: Islander</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135450</link>
		<dc:creator>Islander</dc:creator>
		<pubDate>Sat, 07 Jun 2008 11:57:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135450</guid>
		<description>What you are going through is a version of buyer&#039;s remorse.  You did something stupid because you were ignorant and didn&#039;t go to the trouble of finding out what you should have found out in the first place.  You knew it was a bad decision because the insulation contractor was such a screw up, but you didn&#039;t have to face up to how bad it really was until now -- when you realize you could probably have burned your house down.

Oh, well.  That was then,  this is now.  You are no longer the person who made those mistakes, either mentally or physically.  You have the money to fix the mistake, and it isn&#039;t even a huge one compared, say, to replastering the walls without fixing the rotten sills.  Spend the money.  Accept it as the cost of the lesson, and let it go.  You&#039;ve earned it.</description>
		<content:encoded><![CDATA[<p>What you are going through is a version of buyer&#8217;s remorse.  You did something stupid because you were ignorant and didn&#8217;t go to the trouble of finding out what you should have found out in the first place.  You knew it was a bad decision because the insulation contractor was such a screw up, but you didn&#8217;t have to face up to how bad it really was until now &#8212; when you realize you could probably have burned your house down.</p>
<p>Oh, well.  That was then,  this is now.  You are no longer the person who made those mistakes, either mentally or physically.  You have the money to fix the mistake, and it isn&#8217;t even a huge one compared, say, to replastering the walls without fixing the rotten sills.  Spend the money.  Accept it as the cost of the lesson, and let it go.  You&#8217;ve earned it.</p>
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		<title>By: Ginger</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135437</link>
		<dc:creator>Ginger</dc:creator>
		<pubDate>Sat, 07 Jun 2008 04:21:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135437</guid>
		<description>When I saw what you had been living with, I thought well, he did save a ton with the insulation. But you know, you can sleep at night knowing that your house is no longer a fire hazard. You just can&#039;t put a price on that in my book. So, look at the expense over the insulation as a wash and that you probably saved as much as you spent. Remember you won&#039;t have to worry about the old wiring (priceless), the value of your home will only go up making it more marketable (I am always thinking about that) and you will win in the end when it is a done deal. Oh and you could rent the equipment and blow the insulation yourself. 

Enjoy the new power, more outlets, no surges and the safety!</description>
		<content:encoded><![CDATA[<p>When I saw what you had been living with, I thought well, he did save a ton with the insulation. But you know, you can sleep at night knowing that your house is no longer a fire hazard. You just can&#8217;t put a price on that in my book. So, look at the expense over the insulation as a wash and that you probably saved as much as you spent. Remember you won&#8217;t have to worry about the old wiring (priceless), the value of your home will only go up making it more marketable (I am always thinking about that) and you will win in the end when it is a done deal. Oh and you could rent the equipment and blow the insulation yourself. </p>
<p>Enjoy the new power, more outlets, no surges and the safety!</p>
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		<title>By: kitep</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135429</link>
		<dc:creator>kitep</dc:creator>
		<pubDate>Sat, 07 Jun 2008 00:47:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135429</guid>
		<description>I assume your current contractors know this, but just to make sure you don&#039;t have to do the insulation a third time...

Make sure you don&#039;t cover the soffit vents when you put the insulation back in.  Proper attic ventilation can save you from trouble in the long run.

It&#039;s also a good idea to get a blower test done, and find all the places air leaks into the attic.  Plug &#039;em up.  Do this before putting the insulation back in and after the electrical work is done, since they&#039;ll be putting holes in things :)

Have fun!</description>
		<content:encoded><![CDATA[<p>I assume your current contractors know this, but just to make sure you don&#8217;t have to do the insulation a third time&#8230;</p>
<p>Make sure you don&#8217;t cover the soffit vents when you put the insulation back in.  Proper attic ventilation can save you from trouble in the long run.</p>
<p>It&#8217;s also a good idea to get a blower test done, and find all the places air leaks into the attic.  Plug &#8216;em up.  Do this before putting the insulation back in and after the electrical work is done, since they&#8217;ll be putting holes in things <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Have fun!</p>
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		<title>By: rkt88edmo</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135427</link>
		<dc:creator>rkt88edmo</dc:creator>
		<pubDate>Sat, 07 Jun 2008 00:27:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135427</guid>
		<description>Wow - can&#039;t you just clip the K&amp;T so that it is inactive and shove coduit through the blown insulation and then wire through the conduit?

In any case - sounds like you really can do quite a bit of the insulation removal and reblowing yourself.

Any other additions up there that you are going to make when you do this before you put the insulation back in?  Solar tube type lighting? Solar powered attic fan to vent out the summer heat?</description>
		<content:encoded><![CDATA[<p>Wow &#8211; can&#8217;t you just clip the K&amp;T so that it is inactive and shove coduit through the blown insulation and then wire through the conduit?</p>
<p>In any case &#8211; sounds like you really can do quite a bit of the insulation removal and reblowing yourself.</p>
<p>Any other additions up there that you are going to make when you do this before you put the insulation back in?  Solar tube type lighting? Solar powered attic fan to vent out the summer heat?</p>
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		<title>By: 22rifle</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135423</link>
		<dc:creator>22rifle</dc:creator>
		<pubDate>Fri, 06 Jun 2008 23:36:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135423</guid>
		<description>Go shopping and relieve some of your stress man...</description>
		<content:encoded><![CDATA[<p>Go shopping and relieve some of your stress man&#8230;</p>
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		<title>By: Ogden</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135392</link>
		<dc:creator>Ogden</dc:creator>
		<pubDate>Fri, 06 Jun 2008 20:14:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135392</guid>
		<description>New wiring is a worthwhile investment in your house, and you could argue that it&#039;s, at the very least, somewhat essential. 

It&#039;s not like you are lamenting an expensive tiling job that you had recently done only to rip it out to install a new jacuzzi tub or something similarly non-essential.

Plus, &quot;old home with updated electrical&quot; can be very attractive to buyers when the time comes for you to sell.

In other words, chalk it up to lessons learned and don&#039;t sweat it.</description>
		<content:encoded><![CDATA[<p>New wiring is a worthwhile investment in your house, and you could argue that it&#8217;s, at the very least, somewhat essential. </p>
<p>It&#8217;s not like you are lamenting an expensive tiling job that you had recently done only to rip it out to install a new jacuzzi tub or something similarly non-essential.</p>
<p>Plus, &#8220;old home with updated electrical&#8221; can be very attractive to buyers when the time comes for you to sell.</p>
<p>In other words, chalk it up to lessons learned and don&#8217;t sweat it.</p>
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		<title>By: Dyna</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135383</link>
		<dc:creator>Dyna</dc:creator>
		<pubDate>Fri, 06 Jun 2008 19:17:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135383</guid>
		<description>we had that kind of wiring in our first house, we rewired the first year as our lights would dim blink when we ran the microwave
 we later had to have extra vents put on the roof and insulation blown in as part of a loan we got for a furnace 
the company actually put 3 different color vents on our house ,I made them come change them out to ones that were matching and complement our roofing color , we try to do everything ourselves to both save money and to avoid contractors who   seem not to think our old houses  deserve  quality workmanship, I am glad we accidently did the work in the right order ;-) sometimes it just not always possible</description>
		<content:encoded><![CDATA[<p>we had that kind of wiring in our first house, we rewired the first year as our lights would dim blink when we ran the microwave<br />
 we later had to have extra vents put on the roof and insulation blown in as part of a loan we got for a furnace<br />
the company actually put 3 different color vents on our house ,I made them come change them out to ones that were matching and complement our roofing color , we try to do everything ourselves to both save money and to avoid contractors who   seem not to think our old houses  deserve  quality workmanship, I am glad we accidently did the work in the right order <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' />  sometimes it just not always possible</p>
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		<title>By: Jim</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135352</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Fri, 06 Jun 2008 17:50:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135352</guid>
		<description>Its good that you&#039;re replacing the old wiring.   

I&#039;d look at redoing the insulation yourself.  As others have pointed out, blowing insulation isn&#039;t that difficult.  I&#039;ve done it with my dad before and its pretty simple.   You can rent a blower from Home Depot or Lowes.

Sounds like your insulation contractor really screwed up.   If you haven&#039;t yet then I&#039;d look into filing a complaint about the contractor that did your insulation.  If nothing else it would serve as a warning to other customers.

JIm</description>
		<content:encoded><![CDATA[<p>Its good that you&#8217;re replacing the old wiring.   </p>
<p>I&#8217;d look at redoing the insulation yourself.  As others have pointed out, blowing insulation isn&#8217;t that difficult.  I&#8217;ve done it with my dad before and its pretty simple.   You can rent a blower from Home Depot or Lowes.</p>
<p>Sounds like your insulation contractor really screwed up.   If you haven&#8217;t yet then I&#8217;d look into filing a complaint about the contractor that did your insulation.  If nothing else it would serve as a warning to other customers.</p>
<p>JIm</p>
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		<title>By: Clayton</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135340</link>
		<dc:creator>Clayton</dc:creator>
		<pubDate>Fri, 06 Jun 2008 16:55:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135340</guid>
		<description>For those that are interested, I just found a little bit of background information on knob and tube wiring:
http://www.bowieservice.com/knob.html</description>
		<content:encoded><![CDATA[<p>For those that are interested, I just found a little bit of background information on knob and tube wiring:<br />
<a href="http://www.bowieservice.com/knob.html" rel="nofollow">http://www.bowieservice.com/knob.html</a></p>
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		<title>By: wishing2Bwise</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135338</link>
		<dc:creator>wishing2Bwise</dc:creator>
		<pubDate>Fri, 06 Jun 2008 16:49:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135338</guid>
		<description>JD, I think this is exactly why you chose to turn your financial situation around.  Can you imagine what you would be feeling right now if you were still deep, deep in debt and living paycheck to paycheck?  I am sure you would feel worse, much worse.

Don&#039;t think of as a set back in your financial status.  Think of it as a status, a mark, a symbol that you can now pay for things in cash instead of on credit.  That is success, my friend.  That is achievement.  That is responsibility.

I&#039;m proud of you!  I hope I&#039;m complaining about something I have to pay for with money that is in the bank after I get my credit cards paid off!  You have every right to complain, of course, I would DEFINITELY be upset about that first contractor you had... but that&#039;s life.  You had foresight!!  You saved yourself from debt, and now you can save your house from harm!  Congrats!</description>
		<content:encoded><![CDATA[<p>JD, I think this is exactly why you chose to turn your financial situation around.  Can you imagine what you would be feeling right now if you were still deep, deep in debt and living paycheck to paycheck?  I am sure you would feel worse, much worse.</p>
<p>Don&#8217;t think of as a set back in your financial status.  Think of it as a status, a mark, a symbol that you can now pay for things in cash instead of on credit.  That is success, my friend.  That is achievement.  That is responsibility.</p>
<p>I&#8217;m proud of you!  I hope I&#8217;m complaining about something I have to pay for with money that is in the bank after I get my credit cards paid off!  You have every right to complain, of course, I would DEFINITELY be upset about that first contractor you had&#8230; but that&#8217;s life.  You had foresight!!  You saved yourself from debt, and now you can save your house from harm!  Congrats!</p>
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		<title>By: Faculties</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135337</link>
		<dc:creator>Faculties</dc:creator>
		<pubDate>Fri, 06 Jun 2008 16:47:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135337</guid>
		<description>I have a friend who buys and renovates houses for a living.  Although she&#039;s very knowledgeable, sometimes new situations come up.  So over the course of things she has made all kinds of mistakes, like blowing insulation before checking out the wiring, etc.  Then when she discovers her mistake, she corrects it. What I&#039;ve found most helpful is her attitude toward the extra money: &quot;Well,&quot; she says, &quot;that&#039;s what we call &#039;tuition.&#039;&quot;  And the key is that she really does learn each time.  Nobody can know everything about house repair before they begin.  So one way or another, we learn.</description>
		<content:encoded><![CDATA[<p>I have a friend who buys and renovates houses for a living.  Although she&#8217;s very knowledgeable, sometimes new situations come up.  So over the course of things she has made all kinds of mistakes, like blowing insulation before checking out the wiring, etc.  Then when she discovers her mistake, she corrects it. What I&#8217;ve found most helpful is her attitude toward the extra money: &#8220;Well,&#8221; she says, &#8220;that&#8217;s what we call &#8216;tuition.&#8217;&#8221;  And the key is that she really does learn each time.  Nobody can know everything about house repair before they begin.  So one way or another, we learn.</p>
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		<title>By: elisabeth</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135327</link>
		<dc:creator>elisabeth</dc:creator>
		<pubDate>Fri, 06 Jun 2008 15:13:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135327</guid>
		<description>I think you&#039;re right, when you don&#039;t feel well it can make every other unpleasant thing feel even worse and you just have fewer resources to deal with them.  I hope you can figure out some sort of pain control for the injury, getting that under control will help a lot.
In the meantime, by my quick calculation you have only spent a little more than $1.50/day on that first expense of insulation -- and that doesn&#039;t count the money it saved you on heating/cooling.  
So, while spending more now is bound to be a pain, it&#039;s not totally a loss...</description>
		<content:encoded><![CDATA[<p>I think you&#8217;re right, when you don&#8217;t feel well it can make every other unpleasant thing feel even worse and you just have fewer resources to deal with them.  I hope you can figure out some sort of pain control for the injury, getting that under control will help a lot.<br />
In the meantime, by my quick calculation you have only spent a little more than $1.50/day on that first expense of insulation &#8212; and that doesn&#8217;t count the money it saved you on heating/cooling.<br />
So, while spending more now is bound to be a pain, it&#8217;s not totally a loss&#8230;</p>
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		<title>By: Jane</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135325</link>
		<dc:creator>Jane</dc:creator>
		<pubDate>Fri, 06 Jun 2008 15:01:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135325</guid>
		<description>Wow, these comments are stressing me out, since I have an 80 yr old house with knob and tube and blown insulation on top of it. When we moved in a year ago, we found an insurance carrier who would cover K&amp;T wiring (Allstate). Then we blew insulation without thinking. I was of course concerned when a friend informed me afterwards of the risk. But then we discussed it with a licensed electrician who we trust. He said it really wasn&#039;t that big of a deal and told me not to worry. This comforted me for a few months....until now! 

The other danger (aside from the awful thought of fire) is that at any point Allstate could inform us that they won&#039;t cover us anymore. In our case, we would only be out about $400 for the previously blown insulation - a benefit of having a very small house!</description>
		<content:encoded><![CDATA[<p>Wow, these comments are stressing me out, since I have an 80 yr old house with knob and tube and blown insulation on top of it. When we moved in a year ago, we found an insurance carrier who would cover K&amp;T wiring (Allstate). Then we blew insulation without thinking. I was of course concerned when a friend informed me afterwards of the risk. But then we discussed it with a licensed electrician who we trust. He said it really wasn&#8217;t that big of a deal and told me not to worry. This comforted me for a few months&#8230;.until now! </p>
<p>The other danger (aside from the awful thought of fire) is that at any point Allstate could inform us that they won&#8217;t cover us anymore. In our case, we would only be out about $400 for the previously blown insulation &#8211; a benefit of having a very small house!</p>
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		<title>By: B Smith @ Wealth and Wisdom</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135323</link>
		<dc:creator>B Smith @ Wealth and Wisdom</dc:creator>
		<pubDate>Fri, 06 Jun 2008 14:48:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135323</guid>
		<description>JD-I&#039;ll tell you the same thing I tell my wife when a big expense pops up (like replacing both AC units this year)...Take a deep breath. This will pass. It is why we have a savings account. It is a pebble on the road to wealth.

On a personal note, get rid of the wiring ASAP. This is a safety issue and your house needs to be brought up to code. I walked away from a great house because of wiring like this. I was an electrician but I was not willing to take on the expense and work.

Also, if you are even moderately handy do the insulation yourself. It will save you a ton, you know the job is done right, and you will get a lot of personal satisfaction.</description>
		<content:encoded><![CDATA[<p>JD-I&#8217;ll tell you the same thing I tell my wife when a big expense pops up (like replacing both AC units this year)&#8230;Take a deep breath. This will pass. It is why we have a savings account. It is a pebble on the road to wealth.</p>
<p>On a personal note, get rid of the wiring ASAP. This is a safety issue and your house needs to be brought up to code. I walked away from a great house because of wiring like this. I was an electrician but I was not willing to take on the expense and work.</p>
<p>Also, if you are even moderately handy do the insulation yourself. It will save you a ton, you know the job is done right, and you will get a lot of personal satisfaction.</p>
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		<title>By: Mike</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135321</link>
		<dc:creator>Mike</dc:creator>
		<pubDate>Fri, 06 Jun 2008 14:35:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135321</guid>
		<description>JD, you&#039;re not paying the contractor with Credit Cards are you? =)
 Just think of the 15~20% interest rate you&#039;re not paying on that $3,900. While that money lost hurts, at least you have emergency funds set aside to cover this setback. Even with that extra money spent, it&#039;s a good investment in your house and removing that old wiring will increase your family&#039;s safety. It&#039;s worth it.

For all the good you&#039;ve done me, I advise you go play a game of Wii or some other fun stress reliever, go for a walk if your leg is up to it, lift some weights, etc. Keep your chin up big guy!

Cheers, Mike</description>
		<content:encoded><![CDATA[<p>JD, you&#8217;re not paying the contractor with Credit Cards are you? =)<br />
 Just think of the 15~20% interest rate you&#8217;re not paying on that $3,900. While that money lost hurts, at least you have emergency funds set aside to cover this setback. Even with that extra money spent, it&#8217;s a good investment in your house and removing that old wiring will increase your family&#8217;s safety. It&#8217;s worth it.</p>
<p>For all the good you&#8217;ve done me, I advise you go play a game of Wii or some other fun stress reliever, go for a walk if your leg is up to it, lift some weights, etc. Keep your chin up big guy!</p>
<p>Cheers, Mike</p>
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		<title>By: Jennifer</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135312</link>
		<dc:creator>Jennifer</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:53:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135312</guid>
		<description>JD, that has got to be so frustrating.  Blowing in insulation to the attic is really not hard.  My dh and I did it in a morning.  Here is the link to when I wrote about it. http://hubpages.com/hub/Blowing_Insulation_into_the_Attic

All told if I remember correctly it was around $200 to do it ourself?  Good luck!</description>
		<content:encoded><![CDATA[<p>JD, that has got to be so frustrating.  Blowing in insulation to the attic is really not hard.  My dh and I did it in a morning.  Here is the link to when I wrote about it. <a href="http://hubpages.com/hub/Blowing_Insulation_into_the_Attic" rel="nofollow">http://hubpages.com/hub/Blowing_Insulation_into_the_Attic</a></p>
<p>All told if I remember correctly it was around $200 to do it ourself?  Good luck!</p>
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		<title>By: Beth@paydaytree</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135310</link>
		<dc:creator>Beth@paydaytree</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:48:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135310</guid>
		<description>Don&#039;t worry .. think of all the money you won&#039;t have to spend on the maintenance of your K&amp;T wiring and how much you will save once your attic is insulated again!

The was an article in the Wall Street Journal in the last day or two talking about how sales of vegetable plants are way up at garden stores while sales of flowers is starting to drop noticeably.  

I am on the verge of starting my own garden.  I can still afford to buy the food I want at the store, but I want to be able to cook some green beans and then tell everyone at the table that I grew them myself.  I feel almost like these gardens are some form of reverse victory garden ...</description>
		<content:encoded><![CDATA[<p>Don&#8217;t worry .. think of all the money you won&#8217;t have to spend on the maintenance of your K&amp;T wiring and how much you will save once your attic is insulated again!</p>
<p>The was an article in the Wall Street Journal in the last day or two talking about how sales of vegetable plants are way up at garden stores while sales of flowers is starting to drop noticeably.  </p>
<p>I am on the verge of starting my own garden.  I can still afford to buy the food I want at the store, but I want to be able to cook some green beans and then tell everyone at the table that I grew them myself.  I feel almost like these gardens are some form of reverse victory garden &#8230;</p>
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		<title>By: J.D.</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135307</link>
		<dc:creator>J.D.</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:23:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135307</guid>
		<description>Thanks, everyone, for supplying some perspective. I appreciate it. As I told Kris last night, what&#039;s really bothering me is my sore leg, and because of that, every other little thing is causing me stress. It&#039;s kind of strange how things cascade like that...</description>
		<content:encoded><![CDATA[<p>Thanks, everyone, for supplying some perspective. I appreciate it. As I told Kris last night, what&#8217;s really bothering me is my sore leg, and because of that, every other little thing is causing me stress. It&#8217;s kind of strange how things cascade like that&#8230;</p>
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		<title>By: LC</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135305</link>
		<dc:creator>LC</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:20:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135305</guid>
		<description>A lesson to everyone to get their home inspected before they buy so they know what should be upgraded and how.  Also, to get references from any contractors you work with.</description>
		<content:encoded><![CDATA[<p>A lesson to everyone to get their home inspected before they buy so they know what should be upgraded and how.  Also, to get references from any contractors you work with.</p>
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		<title>By: steve</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135304</link>
		<dc:creator>steve</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:17:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135304</guid>
		<description>I just bought a 100 yr old house and the insurance company said that all knob and tube wiring had to be removed within 30 days of closing. Thankfully I didn&#039;t have any. 

Regardless, I&#039;m opting to replace nearly all of the plumbing and electrical which is ancient and inadequate. It will cost a small fortune, but will be a good long term investment.</description>
		<content:encoded><![CDATA[<p>I just bought a 100 yr old house and the insurance company said that all knob and tube wiring had to be removed within 30 days of closing. Thankfully I didn&#8217;t have any. </p>
<p>Regardless, I&#8217;m opting to replace nearly all of the plumbing and electrical which is ancient and inadequate. It will cost a small fortune, but will be a good long term investment.</p>
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		<title>By: Peter</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135302</link>
		<dc:creator>Peter</dc:creator>
		<pubDate>Fri, 06 Jun 2008 13:00:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135302</guid>
		<description>You can&#039;t let the cost get to you.  Knob and tube wiring is pretty dangerous with todays electrical demands.  Also, whoever did the insulation should have known that surrounding knob and tube with loose fill is a code violation and can lead to fires.  Whatever you pay it&#039;s MUCH LESS than having the house burn down from an electrical fire.  You need to get this done for everyone&#039;s safety and peace of mind. (Hope I didn&#039;t give you something else to worry about :O)</description>
		<content:encoded><![CDATA[<p>You can&#8217;t let the cost get to you.  Knob and tube wiring is pretty dangerous with todays electrical demands.  Also, whoever did the insulation should have known that surrounding knob and tube with loose fill is a code violation and can lead to fires.  Whatever you pay it&#8217;s MUCH LESS than having the house burn down from an electrical fire.  You need to get this done for everyone&#8217;s safety and peace of mind. (Hope I didn&#8217;t give you something else to worry about :O)</p>
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		<title>By: Crispy</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135292</link>
		<dc:creator>Crispy</dc:creator>
		<pubDate>Fri, 06 Jun 2008 11:36:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135292</guid>
		<description>JD, just ask yourself &quot;In five years, will this matter to me, or will I be glad that I paid the money to do it RIGHT and keep my family safe from harm?&quot;

Just to give you something to put it in perspective, I am closing on my new house next week.  I have not yet sold my current property (costing me almost $900/month to carry).  I have already spent $4000 on various professionals to inspect the new house (it was a foreclosure so I have no guarantees about the property whatsoever.) On top of that, my wife is pregnant with our second baby, and her work contract is done as of July 31.

Am I stressed?  No.  I know that the house, with a bit of work, will be an *excellent* investment, and it is in a beautiful area where I feel my children are safe. I have faith that my current property will sell, and on top of it all, I have a cash reserve (as inspired by you!) to help me carry it off.</description>
		<content:encoded><![CDATA[<p>JD, just ask yourself &#8220;In five years, will this matter to me, or will I be glad that I paid the money to do it RIGHT and keep my family safe from harm?&#8221;</p>
<p>Just to give you something to put it in perspective, I am closing on my new house next week.  I have not yet sold my current property (costing me almost $900/month to carry).  I have already spent $4000 on various professionals to inspect the new house (it was a foreclosure so I have no guarantees about the property whatsoever.) On top of that, my wife is pregnant with our second baby, and her work contract is done as of July 31.</p>
<p>Am I stressed?  No.  I know that the house, with a bit of work, will be an *excellent* investment, and it is in a beautiful area where I feel my children are safe. I have faith that my current property will sell, and on top of it all, I have a cash reserve (as inspired by you!) to help me carry it off.</p>
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		<title>By: Tyler</title>
		<link>http://www.getrichslowly.org/blog/2008/06/05/daily-links-knob-and-tube-edition/comment-page-1/#comment-135290</link>
		<dc:creator>Tyler</dc:creator>
		<pubDate>Fri, 06 Jun 2008 11:23:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=1850#comment-135290</guid>
		<description>There is such thing as letting money get the best of you and this defines it. Having the wiring done is not only a safety improvement, but also a peace of mind knowing your wiring will not burn your house down or do some other damage that you WISH you would have spent $3900 over the amount to prevent it in the first place. You have control of your finances - don&#039;t fret about small petty amounts that will pay dividends in the later rounds.

I like the quote above from Fight Club! Great movie btw.</description>
		<content:encoded><![CDATA[<p>There is such thing as letting money get the best of you and this defines it. Having the wiring done is not only a safety improvement, but also a peace of mind knowing your wiring will not burn your house down or do some other damage that you WISH you would have spent $3900 over the amount to prevent it in the first place. You have control of your finances &#8211; don&#8217;t fret about small petty amounts that will pay dividends in the later rounds.</p>
<p>I like the quote above from Fight Club! Great movie btw.</p>
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