Basement Theater/Game Room [Finished!]

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javeryh:

--- Quote from: Ed_McCarron on October 03, 2010, 07:49:16 am ---
--- Quote from: javeryh on September 21, 2010, 12:38:31 pm ---
--- Quote from: saint on September 21, 2010, 11:51:48 am ---Are there any windows, or is it totally enclosed? Ambient light will effect suggestions on where to put things.

--- End quote ---

There are no windows (or rather, there don't have to be). This entire thing is my basement so the most I'd get would be some transoms.

--- End quote ---

Code will let you do that? Around here, once a basement becomes 'living space' and not 'storage' you need egress windows.

--- End quote ---

I'm not sure but if they are required I'll just make some removable window boxes to cover them on the inside.

HanoiBoi:
Yes, you'll almost definitely need an egress. Laws changed in favor of needing an 'exit' after 9/11. Check at your local municipal building and they should have details. An egress could be a bilco door, which is what we did, or a large window (like 4ft). And it has to be low enough to access in case of an emergency.

You'll probably want to look into this sooner than later.

javeryh:
I need to rant... we are in the process of applying for a loan to be able to put the addition on the house. The bank is giving us a VERY difficult time for no reason. We have impeccable credit. In the 17 years my wife and I have been using our credit cards we have NEVER missed a payment and we have NEVER not paid the entire balance - that is 17 years and counting with no interest payments ever. We own both of our cars outright. My student loans are completely paid off already. Every month we send in more than the required amount on our mortgage to pay down the principal. Our monthly income exceeds our monthly bills. When we applied for our first loan on our house in 2004 we were approved for double what we ended up spending because we are responsible.

Now the bank won't even give us enough money to buy a nice car. I am completely dumbfounded by this. They said it has nothing to do with us but rather the general economic climate and the bank will not extend money like they used to no matter your track record or your current financial status. Thanks to all of you jackasses who caused this to happen. Figures that I'm responsible my entire life and I'm getting screwed while friends and family of mine are living in their mansions that they bought when the bank was giving out ridiculous loans to anyone willing to sign.

We are trying to see if there are alternative loans we can get (like a construction loan or something) but this project might be DOA.

:angry:

ark_ader:
It is a hard lesson to learn - but you have to live within your means.

Don't have the cash for the basement? Save up.

Need cash for a new car? Save up.

If you have been paying on time and clearing balances on cards, that is normal. You are expected to do this. It just means you are a responsible adult.

You do not get any brownie points for it. But I'll :applaud: you for it.

I think the bank is doing you a favor.

Call them up and thank them, and learn from it.

Stay liquid and buy gold.

javeryh:
But I can afford it and I do have the money. That's the point. The amount that I want to borrow (spread out monthly) is way less than the excess cash I have each month after paying all of my bills. I can easily afford it. I can also pay for the addition in cash outright but it is stupid to do that from a financial perspective (plus I'd have nothing left for emergencies). I would have no problem walking into a car dealership tonight and buying three cars at once but I can't get a loan from the bank in the same amount? Never mind this would ADD to the value of my house so if we did default on the loan (which we wouldn't) there is little to no risk for the bank. I don't get it.

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