Six years later

It’s grey here today. Exceedingly grey. And cold.

And there is nothing like reminders from Timehop about the fact that this time one year ago, I was in Cuba, and two years before that, in Thailand, to make me feel extra grumbly about the grey and cold.

So I scrolled further back in the past, and whaddya know, it was six years ago today that we were in Oxford. My first trip here.

Oxford's Bridge of Sighs

Six years ago, Neil and I were engaged, and planning to move into our condo in Kits (which wouldn’t actually be completed for an additional 6 months). There was still no plan or idea of Isaac. The dog didn’t have a hint of grey in her now salt-&-pepper muzzle.

Neil didn’t yet have a UK passport, and wouldn’t for another 4-ish years. Moving abroad wasn’t anywhere on the radar. Heck, I had barely traveled anywhere at all before that year.

And yet, there was something about our visit. Something that sparked the idea of moving abroad at some point. Something that made us think, as we wandered around the city, that maybe one day we could live here.

It wasn’t so much about Oxford, as just going somewhere Other Than where we were. Making our world a little bigger than it had been. It became a gauge by which we’d categorize all trips we’d take: interesting, but could I live here?

View from the Tower

It was six years ago that we ventured the furthest from the hotel we’d gone, into another neighbourhood via a narrow street lit by bare overhead bulbs. Where we turned right, onto a street anchored by the iconic Oxford University Press and full of interesting looking boutiques and eateries. Where we looked up one of the side streets and saw the bright streak of pastel row houses, and I said “if we ended up in an area like this, I could totally live here.”

It was six years ago that I stepped into the road to take the photo currently used in the blog header.

Neighbourhood and street names long-since forgotten, we found ourselves actually moving to Oxford. And against all odds ended up moving to that neighbourhood. I only recognized it because of the pastel row-houses, and had to dig out the picture to be really sure. They are the same houses. Observatory Street.

And we found them, via Walton Street in Jericho, by heading down Little Clarendon street, illuminated at night by bare bulbs strung across the street. Now our regular stomping ground, but feeling eerily familiar, in a dream-like way, from having seen them so many years ago.

Six years ago it happened to be sunny this week. Uncharacteristically so. Except for that one day in Henley-upon-Thames when it was so rainy and windy that my umbrella blew inside-out and practically tied itself in a knot. And the river was flooded that year, just as it is now.

But that little blast-from-the-past now has me thinking a lot less about today’s cold and grey, and about the immense amount of adventure the past 6 years have held. And how absolutely clueless about it all I was back then.

And I’m wondering what, or where, on earth I’ll see in another six years.

Home for the Holidays

I’ve always wondered what it’s like for people who take trips “home” for the holidays. When they live somewhere either away from family or the place they’re from, and make their way back to that place at Christmas time.

Now I know.

And it’s simultaneously very nice and very strange.

First of all, I have been trying not to refer to Vancouver as “home” anymore.

Not only does it make it harder to really lean in to our experience in Oxford, conjuring up bouts of melancholy homesickness, but “home” as we knew it in Vancouver doesn’t exist anymore. While we have family and friends here, and enjoy being surrounded by some of the places and things we left behind, our life in Vancouver (the place we lived, the jobs we had) doesn’t exist anymore. We can’t truly go “home” that way.

It’s been really excellent to spend time with friends and family, but there’s also a tinge of detachment overhanging it. The experience is temporary. The gang’s all here, but most members are making plans for next week when the status quo returns; we’ll be gone again.

This all sounds quite melancholy, but it isn’t, really.

It’s (so far) exciting to pack up and head out on another trip. To share the holiday experience of returning “home” with airports full of others.

It makes the experience of spending time with those friends and family sweeter, more intense. I find myself being much more present with friends & family now, because chances to spend quality time with them are fewer and further between.

It solidifies which traditions are really important and worth preserving, despite the challenges of timing, weather, and distance.

It makes it very obvious that as much as so many other things have changed over the years, others stay predictably, comfortingly, blissfully the same.

Santa

Even Jetlag is no match for Santa

Let me count the ways

You remember the Switch of Mystery from earlier this week, right?

I believe I have solved the mystery. And hopefully figured out everything I need to know about operating the heat and hot water here in the process.

How many ways are there to control the heat/hot water here? TOO DAMN MANY!

The Switch appears to determine whether the central heating is on. BUT! It is, of course, not that simple. We have radiant heating here, with radiators in each room. There is also a central thermostat. And there is a timer on the boiler. So, to have heat, we need to follow these steps:

  1. Turn on the central heating power switch (this switch will override everything).
  2. Set the thermostat to the temperature we’d like the house (or at least the living room, since that’s where it lives).
  3. Set the timer on the boiler for the hours we’d like the heating to turn on/off (but remember, without the switch on, the timer is meaningless).
  4. Set the individual radiators to the level of power we’d like them to crank heat through at (1-6) to control the temperature in each of the 11 rooms/areas the radiators are installed.

So now we are warm. But what about hot water?

I had figured out enough to know that the same timer controlling the central heat also controls the hot water. But I was still ending up with very short or very cold showers, even when the hot water “advance” (meaning the small boiler keeps the water inside hot, rather than heating on demand) was on.

Enter: the backup immersion heater.

This lives in a closet on the top floor, is the size North Americans would consider “standard” for a hot-water tank, and is only on when the “immersion” switch in the same closet is on. As far as I can tell, it is not on a timer, or otherwise controlled by any other switch (I could be wrong).

I’ve been warned that running this on a continuous basis could get expensive, so depending on how our energy bills stack up, I may be getting used to shorter showers so we can turn it off if we don’t have a house full of guests.

But wait, that is still a bit too simple.

Just to be sure I can’t enjoy my extra hot water without being explicitly aware I’m doing so, each of the bathrooms also has a pull-cord on the ceiling (that turns on an extra bathroom light, natch) connected to the immersion hot-water tank to signal to the pipe-fairies that it’s A-OK for me to enjoy a shower that’s hot all the way through.

Forget to pull the cord, forget about the extra hot water.

But I think (hope, pray) that’s actually all of it.

Again, thinking about it objectively, it’s actually nice to have so much control over where, when and how much heat and hot water one uses. Especially in a country where fuel and energy costs are quite high.

It did take a while to figure out thanks to the EEDD factor, but it’s another thing I suspect I’ll come to miss whenever we decide it’s time to move on.

Plugged in, Switched on

One of the biggest little differences I’ve noticed about living in the UK is the plugs and switches. Specifically the switches.

Everything that could have a switch, does.

Of course lights are obviously controlled by switches. But they’re far from the only ones. All the plugs must also be switched on before the power is activated. All the hardwired (or hidden plug) appliances, including the fridge, freezer, boiler, dishwasher, oven, stovetop, etc. have switches.

Socket
Photo by givingnot@rocketmail.com on Flickr

This in addition to the power switches on individual lamps and appliances.

I suppose it’s a safety mechanism – with the potential to send 220 volts coursing through your person, any additional failsafe is probably a good thing.

But it’s one of those things I’m starting to refer as EEDD: ExPat Extra Degrees of Difficulty (see also: TV Licenses, Sunday Trading Hours). Things that are perfectly sensible in the context of local knowledge, but a bit baffling to outsiders.

So we figured out relatively quickly that we needed to flick on (and leave on) a number of switches before anything in our house would work. But there is one switch that’s still got us baffled:

Switched on

This switch is in the middle of the first-floor hallway. It’s flanked on either side by a hallway light on the left, and one unused socket and the bathroom light on the right. Thing is, we can’t seem to figure out what, exactly, it does, aside from turning on a red LED when it’s switched on.

It does nothing to the bathroom fan. It doesn’t impact how the rest of the lights on that floor, or the second floor, work. There are no appliances on that floor, or anywhere we can find, whose switches haven’t already been identified.

So, before we email or call the property manager with what turns out to be a stupid question, do any of you have any ideas what it might be?

Other than a switch whose sole purpose is to illuminate a red LED (with the side-effect of being confusing as fuck), of course.

Homeowners no more. Thank goodness!

Edit: Hi greaterfool.ca visitors! I’ve added a few more points of interest at the bottom of this post if you want a few more details about our condo and the sale.

The sale of our condo closed yesterday afternoon (late evening for us), and while we slept, we amassed a delightfully large bank balance.

That’s basically what we have left after paying off our mortgage and the other costs associated with selling (realtors fees, mortgage penalty, etc.). Sadly, it’s not all Ale & Whores from here on out. The cash has since been moved into our managed portfolio to be looked after by someone far more savvy and responsible than ourselves.

But the big question: did we make out like bandits by buying into the Vancouver real estate game? Or was purchasing a condo during the bubble instead of remaining renters our ruinous downfall? If all the real estate hype is to be believed, we must fall into one or the other of those camps, right?

Renting vs Buying

Not so much. The actual result, after crunching the numbers, is decidedly underwhelming.

Real Estate purchase info is publicly available, so I’m not giving away anything particularly personal when I share that we purchased the condo in 2006 for $610,000 plus 5% GST ($640,500 total) and sold it in 2012 for $699,000. A gain of $58,500 over 6 years, or just over 9%. And if you want to get really silly, you could call it a gain of 45% on our original 20% down-payment. Not bad, right?

Not so fast.

Take away from that the selling costs we paid of realtor fees, repairs (new paint & floor), staging, legal fees, and we barely made away with $20,000 profit. And of course that doesn’t take into account all the costs of holding that investment: property taxes, condo fees (including a couple special assessments), and mortgage interest.

Putting all those numbers in, we spent about $1750/month “rent” (those holding costs, not including any mortgage principle repayment) for 55 months to make that $20,000.

What would renting for the same period have cost?

We know the mirror-image unit across the hall was charging just about $3000/month rent. They’ve got a few more square feet, and an amazing view of English Bay, so say ours would have rented for $2500/month. It would have cost us an extra $41,250 (plus the $20,000 we wouldn’t have made) to live in the same suite.

More realistically, we’d have stayed in our previous rental. Accounting for the maximum 4% annual rental increase, we would have averaged $1855/month in rent. At $100/month difference ($5500 over the 55 months we lived there) it’s almost enough to call it a wash.

So, the real question becomes, could we have done something different with our down payment of $130,540 to make $25,000 in 55 months? Maybe. The markets were absolute shit during those few years, so getting 5% a year wasn’t likely, but I think in the right investments it was probably possible.

So there you have it. Renting vs. Buying, in our particular situation, had no clear winner.

I did love our condo and really enjoyed both the space and the location. It was a great place for us to live, so I’m happy the numbers didn’t show it was a financially terrible idea to have done so.

But, considering renting isn’t bankrupting us either, I’m really enjoying the freedom and flexibility of non-ownership, and am in no hurry to buy property again any time soon.

Edited to add: Our condo spent three months on the market (after letting ourselves be talked into listing FAR too high by our delusional realtor) and sold for $36,000 below assessed value. It’s a penthouse unit in Vancouver’s Kitsilano neighbourhood, and we only sold because we’ve moved away from Canada. We bought what we could afford, with 20% down, and didn’t buy with any intention to flip. We had considered selling in November 2011, but ultimately decided we liked the unit and wanted to stay. In March 2012 the opportunity to move abroad came up, and renting wasn’t going to be cash-flow positive, so it was time to sell. We’re currently happy renters living in Oxford, UK.

There are no sidewalks here

So we’ve lived in the ‘burbs for a couple weeks now, and are getting into something resembling a routine.

And I feel confident in my assessment that I am not built for this place. Or rather, this place is not built for me.

I understand that we’ve been a bit spoiled with our central location and not actually having to leave the building to go to the grocery or drug store, but that’s not actually what I’m missing.

I miss neighbourhood planning that fosters community, rather than animosity.

There are no sidewalks here.

Ok, that’s not entirely true, but the roadways are fully designed for cars, and walking feels like an exercise in risk-taking, rather than a viable way to run errands or explore the area.

There is a trail nearby where we’ve walked the dog, and shared smiles with the few other dog owners we’ve seen there. But it’s all a bit soured when walking the dog to the trail, and she inevitably poops as dogs do, and someone driving by feels the need to holler (from his extra large truck, natch) “PICK IT UP!”

Which of course, we did. As we always do. But it’s obvious on that walk, and elsewhere, that poop-scoopers are in the minority. Because there are NO garbage cans to be found. There is a dumpster at a nearby elementary school if you hop a couple fences. And there is one about 750 metres down the trail (once you’ve gotten to the trail). Other than that, nothing for a few kilometres in any direction.

No there are no garbage cans, not even near the playground at that elementary school. The sidewalks (there are a few) also don’t connect in any meaningful way. They seem to be there for optics, rather than use.

Before I moved to Kitsilano, I thought that it was necessary to spend a lot of time in a community and that one had to make a big effort to get out do things to meet people. But when you live in an area that facilitates running into your neighbours while out and about, seeing the same people at the dog park, and getting to know your neighbourhood shopkeepers (because there are neighbourhood shops, not just big box stores a few kilometres away), it’s actually no effort at all.

And now that I’m in the suburbs, I’m saddened to be reminded that my most recent experience is the exception, rather than the norm.

But at least it’s a good reminder of what’s going to be really important when deciding which neighbourhood we end up in next.

For Sale

Because one successful week back at work full-time is reason enough to shake things up yet again, we’ve decided to sell our condo.

For Sale / For Snail

The volatility of the Vancouver real estate market has been bugging Neil and I for a while. And even though we still fit in our current place (just), and there are no babies on the horizon, we know we’re going to want more space eventually.

The Spring market is the time to sell in Vancouver, so we felt like listing now was a great time to get any gains out, rather than wait until we really have outgrown the space or find a perfect place, and are forced into a sale and into accepting less than we’d like.

It also gives us a stronger position when we do find a great place to buy, since we won’t be subject to financing as lending rules tighten and banks are more reluctant to give new mortgages to people who already have one.

But what about the meantime?

We’re *gasp* moving in with my parents.

In the suburbs. The deep suburbs.

This surprises nobody more than me, but it does make a whole lot of sense. We’ll save a bundle for a few months on mortgage payments and childcare. We won’t need to cram into a sub-standard rental (since with the tiny kid and big dog we have two huge strikes against us as far as landlords are concerned) while we look for a new place either to rent or buy to stay in longer-term.

My commute will be absolute balls, but Neil will be able to take the train downtown.

Overall we’re excited about this next step, and it feels like the right thing to do, but the past week has been nothing short of total insanity, and it doesn’t look to be slowing down much.

So, wanna buy a house? (listing goes up April 6th for the interested, curious and nosy.)