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Money matters

It is a boring topic but to buy property anywhere you have to deal with money. After arriving back home right away we figured out how to wire money.

We had 20 days contractually to pay the 10% deposit. A few months ago, just before we retired, we opened a new checking account with USAA. We know that since they cater to the military and families they have members all over the world. My local bank always seems unfamiliar with these procedures not to mention the exchange rate is ridiculous. USAA gives the official exchange rate with no mark-up. We are very happy with them.

We had the numbers our bank in Italy gave us and we called up our bank. Easy, peezy! All was simple. Then we waited to see if it would arrive OK.

Four days later it has arrived in Italy. We got an email from Jim today and he will arrange for the final signing of the compromesso. Once this is complete if we back out we forfeit our deposit. If the seller backs out they have to pay two times the deposit to us. Normally once the compromesso is signed the deal should go through without a problem.

More Pictures of La Casa

Funny thing we noticed about Italians. They won’t call an apartment an apartment. It is la casa. I am not sure why. I always thought that was house. I guess technically it is. It also means home. Maybe that is why.

Several people have asked for more pictures. I am posting some below. They just don’t really give the feel of the place. Mainly the big living area with soaring ceiling. I just couldn’t get that in a picture.

buffet_and_table

This is the room from which you enter the kitchen. I think it would make a splendid kitchen. I’d put the cabinets where the long metal cabinet is. I’d like the floor to be tiles. I’d keep the table in here.

entry_kitchen_terrace

See back on the right side? That is the arched entry through a 3 foot thick wall into the tiny kitchen. The entry to the terrace is next to it.

kitchen

This is the kitchen.

fireplace

This is the closed up fireplace in the same room. I think it could be prettied up and opened.

picture_window

This is the big picture window in the dining end of the living room space.

pellet_stove

This is the pellet stove in the living space.

entry_stairs

Entry up stairs. Down at the bottom is the front door. Ownership starts there. Notice the closet to the left. Closets are very unusual in Italy.

archway_into_living_area

Arched entry into living room space from entry hall.

master_bedroom

Master bedroom

living_room_sofa

Living room. Sofa end opposite picture window dining area.

Final thoughts

The first part of the adventure is done now. I counted up that we saw 21 houses. Of those, 6 were of some interest. It was never assured that we could actually find a place and make an offer in the almost 3 weeks we had but in the end, we did it.

Now come the crazy times.

After we go home we will have our work cut out for us. For me, I have to get ready for my hip replacement surgery. It is necessary and I want to have it done by the time we move to Italy. That will happen on February 12.

After I recuperate there are hundreds of things to get done. And hundreds of things to have accomplished in Italy before we arrive. I am sure the apartment will not have the things we need to get started like bed linens, towels, all the kitchen equipment, plates etc. I am not sure how we can get some of the basics before we come. Perhaps Simona can help. After the closing I am thinking of asking Susan to take the keys so she can give them to anyone who needs access. We would like to get the screens installed before we come too.

If closing happens on May 30 as stipulated we cannot start to get our visas until then because we have to have the house papers to do so. We may go to the embassy early to see exactly what we’ll need and that may simplify the process after the sale. Because the amount of time needed for this process is unknown we won’t be able to get our flights over and since it will be summer by then that could be an issue. We will have to think about the logistics of it all.

Also we will need to put our house on the market and deal with all our stuff. I don’t think it will take long to sell it – it will be at a good time of year – but one never knows. I have found a company called You Pack, We Ship who will send 50 cubic feet of stuff over for a pretty reasonable price. We intend to do that. It is kind of hard to know what we can fit into that space but I am mentally making a list. We will only take what we won’t want to bring back when we come home as I don’t intend to ship back.

We will also need to rent a storage space and have the larger items that we want to keep moved to it by a moving company. Then we will have to give away or throw away the rest of our items.

Since I am a total planner my mind is spinning! But I’ve done it before so I can do it again.

I will update this blog as relevant events take place.

Agreement

We met Jim at the Pink Panther and drove up to Citta de Costello. The Notaio’s office was in a beautiful old building with very high ceilings, I’m guessing about 30 feet, with frescoes. We went inside and they did some paper work and then we went into his office. It was an enormous room with a HUGE fireplace and antique desk, long conference style table and velvet covered chairs. All were very old and the chairs were worn but it was quite the place! The funny part was that they had to read the papers out loud. It is a requirement. So after they read them out we had to sign. And not just ANY signature, we had to sign our entire names without lifting the pen. So my cursive writing came in handy. I have no idea why that is the rule – but it is.

So now Jim has power of attorney to act on our behalf in the sale. I admit it is a bit of a leap of faith on our part but he comes highly recommended and has done business in the area for 30 years. Everyone seems to know him. SO we are going with our gut on this one. Hope for the best!

Next we completed the bank account opening, getting on line banking set up and our bank o mat card.

Jim told us that the sellers want their price and agreed to let us have most of the furniture. They are not letting us have the big sofa, sadly, so that will be a number one priority when we move here.

The last thing we have to do is transfer the 10% deposit money and we have twenty days to do so. We can wait until we get home which is good.

We had lunch in one of our favorite places here, il Capponi. We’ve been three times now. They have terrific pastas and some are very unusual in my opinion. Everything has been great on all occasions.

We are going to Perugia tomorrow. Originally we were going to meet friends Ron and Linda but Linda has come down with a nasty winter cold so they have canceled. We decided to proceed on our own.

We are going to drink some champagne tonight!

Getting our ducks in a row

After a relaxing weekend when we visited Gubbio again and had a lovely lunch on Saturday. It was mighty cold! The Appenine mountains were beautifully snow capped. On Sunday Susan and Gary invited us to lunch and to meet some of their Italian friends and helpers, Simone, Simona and Fabio. It was a lovely lunch of assorted antipasti and a rolled pork dish with beans and zucchini. A ricotta tart was the dolci to finish. We really enjoyed meeting their friends and the lunch was delish.

We have not heard whether we have gotten the house yet but should by tomorrow. We had an appointment with Jim to go to the tax office and get our Codice Fiscale stamped and official. It took very little time with a serious government worker. Then we proceeded to the bank to open an account. That took a while with many, many papers to sign. Jim will be our agent until the house is bought so he has access to our account. We applied for a bankomat card and on-line banking. We exited the bank into a horrible sleet storm.

We bade Jim goodbye until tomorrow morning when we will meet him at the Pink Panther (really!) which is a café near his house tomorrow at nine. We will go to Citta de Castello to meet with the Notaio to sign power of attorney for Jim to transact for us. A Notaio is a cross between a Notary and a lawyer. They handle all the legal stuff on the sale.

We went to Bar Mary and had two more cappucini. We have learned to say senza schuima which is cappuccino without the foam. More coffee but just as good.  Oh and on Saturday we ordered machiatto after lunch which here is espresso with a little cream. Very nice. I like it much better than espresso black.

Since the weather is so vile we ducked into the little alimentari to pick up something for lunch in the apartment. The proprietor is just the friendliest man. He tells me the names of the things I want and I repeat them back. He is so nice. We bought onion bread, baguette, cheese and ham. We decided to eat our lunch in and eat in the restaurant that is almost directly under us tonight. It gets mixed reviews from the people we have spoken to. Most don’t like it. We decide to try it ourselves and form our own opinion.

Right now we are sitting in front of our little stove all toasty and warm. A while ago we got a call from Jim. He is now in negotiations for the furniture. They rejected our lower price. I hope they are more willing to throw in the furniture we are asking for. We shall see.

Miscellaneous stuff

Heating in Italy: I don’t know if you have noticed but wood burning pellet stoves and fireplaces are an important part of houses here. The Italians, in all their wisdom, have decided to buy electricity from France and Switzerland rather than produce their own. This results in very expensive power. Gas is the alternative and it is also prohibitively expensive. Therefore everyone here heats with wood.

The apartment: We rented the flat where we are staying from Lynda who lives in England. She lived here in Umbertide in various houses with various husbands over 20 years. She doesn’t normally rent her flat but Jim (our realtor) is a friend and asked her. She picked up a quick 750 euro so good for us all. We thought that was pretty reasonable for 3 week rental. We won’t use the entire 3 weeks but that’s OK.

cozy_stove

apartment

It is a really nice space on the top floor with views of the Tiber. It has a really large open plan living room, dining room and kitchen. Nice terra cotta ceiling with beams. Tile floor. Cute little wood burning stove in a big fireplace. One large nicely appointed bath and a nice bedroom with a couple of wardrobes and a dresser. I couldn’t have asked for more except it has no TV or internet. It is funny how much you want these but we are managing. Susan and Gary (new friends) have loaned their extra apartment to us a few doors down up 68 steps (!) to use that internet. It is the only way I have been able to keep in touch. I go over one or two times a day to check mail and update this blog. We have also been watching a lot of DVDs that Lynda has here in the flat.

Dining and shopping: This town has plenty within walking distance. A small supermarket called Conad we can walk to in about five minutes. It’s a big Italian chain. Next to that is a really good butcher with beautiful looking meats, prepared foods etc. about 3 blocks away is the A&O (almost A&P!) which has much better produce and selection than the Conad. Underneath it in almost a parking garage like place is a really good wine store. Wines here are very inexpensive if you buy Italian. Outside of town in the ”suburbs” (which are decidedly NOT picturesque) are lots of other markets like the Co-op (big grocery, department store) another, larger Conad, and lots of other shops butchers, etc. (Bar Mary below)

bar_mary

Of course there is the big Wednesday market with all the produce, cheese, processed meat and fish. On Friday there is a fish truck that sets up shop on the street nearby. I glanced at the fish (straight from the Adriatic) and they looked wonderful. Nice to know that even though we are land-locked here in Umbria there are fish sources.

In town are several restaurants and pizzerias. We have dined twice at one in a hotel that has quite good and very reasonable food. The folks are friendly. We ate at La Rocca which is a fish restaurant. We ate the best place in town (forgot the name) one night. It is a beautiful space with a little tiny menu but everything we had was great. There is this ravioli type pasta called mezzelune which is half mooned shaped. It is filled with soft cooked egg and topped with asparagus and bacon. Jim says they stir up the egg and freeze it in little chunks. Then they wrap pasta around it in the half moon shapes and drop it in the water. The boiling water cooks the pasta, thaws and soft cooks the egg so when you cut into it the egg runs out. It was really good. We were the only customers the whole night. Jim says it’s because it’s winter. There are lots of good pizzerias around as well.

Friends we have made:  Before we left on this trip I had been reading everything I could find about places in the area. I found many blogs with information about places near and far as well as expatriate websites that are a wealth of information.

One blog is called Americans in Umbria. Through this site we “met” virtually Susan and Gary who live in Umbertide. It was they who inspired me to try this town.  Susan and I wrote back and forth for a couple of months and when we arrived here we met at a bar for a glass of wine and then on Sunday they drove us up to Montone, a nearby hill town, to have lunch at Erba Luna, a really nice restaurant in that town. We also visited their lovely apartment down the street from our flat. It is very spacious and beautiful. We have enjoyed them very much and hope to become fast friends.

As mentioned earlier I found Don and Jodi in Castiglione del Lago. I made contact through Trip Advisor and we finally met in person on this trip at a little café called Café Alise. They have a lovely home with many cats. There is an apartment on the ground floor that they rent out to vacationers. They have a lovely yard with olive trees and a summer kitchen. A little piece of heaven.

Don and Jodi had introduced us to Bob the Builder via internet (an Englishman who’s been in Italy for 25 years). We met him with them that day. We agreed to let Bob find some properties that were not formally listed through agencies as they could be a better bargain. In my house hunting posts I tell of our experience.

Natalie and Paul are friends of friends. They live in a village between Umbertide and Citta di Castello. We met because friends of ours winter in Florida in a hotel which turns out to be a favorite of Italians coming from New York and New Jersey. In conversation they mentioned that we were looking in Umbria soon and were given Natalie’s email. I wrote to her and she replied very helpfully. We have not met them yet but plan to meet at a pizzeria for dinner soon.

(Later) – we met Natalie and Paul and had a great dinner at a pizzeria up the valley. They are very nice folks and we hope to get to know them better once we move. They have been here permanently for about a year and a half.

We also have not actually met but plan to meet John who has a house in Montone and has just retired. He and his wife plan to move for at least a year to try it out. Hopefully we will meet them someday after we actually move.

So I guess it pays to network no matter where you live!

Decision Time

This morning we met up with Jim. We also invited Susan and Gary to go along and see the apartment that we like. It was pouring rain. What’s new!

We all tromped down the street 2 doors from Bar Mary. We buzzed and entered. This building has really pretty marble staircases. Not like the other staircases we’ve seen.

We were all being very quiet because this was the building of the crazy lady we had seen a couple of days before (the one with the cantine and big garden but junky apartment). After tiptoeing past we went up another staircase and then into the apartment. You enter and there is a final staircase up. At the top is a glass door. The floors are all wood (not our first choice but there you have it). Susan and Gary seemed to like it. You turn left and enter the big living room which has the big picture window out to the river and a big dining table. There is a sectional and a big flat screen TV in this room. Also a pellet fireplace between the table and the living room which keeps the room toasty.

Out the door to the left is a bath with shower and washer and dryer. Across from that is the big room outside of the kitchen with closed up fireplace and refrigerator. There is a table in there and a long storage counter that is made of metal.

Then there are the 3 bedrooms and another bath. These last rooms have barrel ceiling that are original and very old. I love them. The living room was bombed in the war so the ceiling is new but built of terra cotta and giant wooden beams.

Susan and Gary told us they thought it was a “find”.

Below are pictures of the the house from the back (white center), terrace from the back, the picture window in the living room,  and the apartment door.

apartment_from_back

terrace

picture_widow

apartment_door2

We went to Bar Mary with Jim and decided to make an offer. We tried to get our codice fiscal stamped but we have to wait until Monday. We went and had it copied and our passports etc so Jim could do the offer. He had an appointment so we went back and had lunch in the flat.

Jim came back and we all went over to the other agent’s office where we signed the offer. It is all pretty straightforward. Jim already went to the land office and says as far as he can tell the title is clear. Now the owner, Elizabette, has to decide. She has 4 days or until next Tuesday. We had a beer with Jim and parted ways until Monday when we will get our Codice Fiscale stamped and open a bank account. We have 20 days to transfer the money so can do that when we return. We will give Jim a power of attorney to write the check and finish the deal on our behalf. The closing date is April 30 if all goes well.

How exciting!!!

Tonight we have dinner with Natalie and her husband who are friends of friends in the states.  Tomorrow and Sunday are finally free for us to do something else than look at houses. It has been a fun, busy, and stressful time but I will always remember it and not in a bad way.

I hope it stops raining soon!

Day 8 – Back to Umbertide

Today we had an appointment to re-visit the house with all the floors in Umbertide Centro Storico.

We had our cappuccino in Bar Mary and met up with Jim. We first went to the place we saw before. It wasn’t quite how I had remembered it but it still had plenty of potential.

Jim had found a number of properties other than this one all within walking distance of there.  The first place was just outside the Centro and was nice with a big private garden inside of a gate. The house was warm and well insulated. It had a heat pump! With AC and heat. It had a big roof terrace. Nice kitchen, 2 bedrooms and 2 baths and an extra room for an office. Lots of out buildings and storage. Nice but didn’t ring my chimes mainly because it was surrounded by taller ugly newer buildings. Luther said he could imagine us outside with friends being overlooked by all the neighbors. And those little old ladies in Italy do like to snoop!

Next we walked back into the Centro Storico and saw an apartment above the apartment we saw a couple of days ago with the big Cantine and garden. This one was the top floor. It was really beautiful. It had a large living room with cathedral terra cotta ceiling (picture below) with a big sectional and a big table with a big picture window looking out on the river. In that room was a pellet fireplace. The ceiling was new because the house had been bombed in the war. The rest of the house had beautiful stone barrel ceilings that were original and old (see below). There were also 3 bedrooms and 2 baths. There was a lovely terrace bigger than the others we’d seen overlooking the river (see below). There were built in closets. The downside was the kitchen. It was a little tiny space over in a corner through a 3 foot thick wall. It was well appointed but small. It was entered out of a large room with fireplace and the refrigerator was in this room (!). I am thinking that room could possibly be made into the kitchen. It is a dining room now but the big table in the living room could be dining space. The kitchen would be very big with the fireplace if we could pull it off.

vaulted_ceiling

Rainy_terrace

new_ceiling

OK I guess you know that this place has pulled ahead. Luther and I both like it and we plan to make an offer. We did see one more new built place about 10 minutes walk from the Centro. It was big with an underground garage and storage space. It would be finished to  our specifications. This also didn’t ring our chimes although it sat right on the river next the park. It was quite nice.

We rang Jim and tomorrow we will revisit the house we liked. If we still like it we will enter into the negotiations. It can be sold furnished which would be our wish. The lady who owns it said sadly she did not want to sell but her husband did.

Cross your fingers for us!!

Revisiting Houses and Seeing New Ones – Day 7

We went to Bar Mary where we get a cappuccino every morning. It was Wednesday and the weekly Wednesday market was in full swing. It was a perfect sized market with vegetables, fruits, dried and fresh fish, cured meats, cheeses, bread, and flowers. On the other side of the town was the market with other kinds of goods like clothing etc.

umbertide_wednesday_market

We headed out over the mountains again. Did I mention it has rained EVERY day? It was very foggy in the mountains this time, making the trip slower.

We arrived in Paciano right on time. We visited the house we couldn’t get into the other day. It was a pretty nice place. Luther said if we’d seen it first we would have been wowed. It had two floors that would be separate apartments. They both had nice gardens and parking. Luther thought it would be very expensive to heat them. We marked this off of our list.

paciano_locked_house

We wandered around Paciano. We peeked into the wine bar. There were a number of folks in there. At the bottom of town we checked out the Alimentari (small grocery). It was very small but had most everything you’d need. There was a butcher shop in the back and fresh vegetables. Next door was the second bar. It was also nice.

We walked up the hill and looked into the Pizzeria which was closed. There was also an appliance dealer with things like toasters, irons, etc.

We drove over to Panicale so Luther could gauge the distance for his jog. It wasn’t too hilly.

We met up with our agent and the owner of the house. We took some movies and pictures. We realized the rooms of this house were much smaller than we remembered. It does have a lot of outside space. There is a big balcony with a planter just off the kitchen which is nice. You could put tables and chairs there. Did I mention this house has screens? This is nearly unheard of in Italy or Europe for that  matter. But they are really nice to have. We still liked the house but it is very small.

We went into Castiglione for lunch where we had eaten before. It is in the center of town but the food is pretty good. I had a pasta with the lake fish. Luther had a Trasemino specialty of beans with fish (right up his alley). We had an appointment with Bob the Builder next.

We met up at Café Alise and we followed him to a property that was in the flat farm fields. It was very beautiful but needed total renovation. Turns out it had been sold but I took a picture.

sold_house

Then we drove WAY out in the middle of what I would call nowhere. It was down a long dirt road. The house was not bad. It had 4 bedrooms and pretty good living spaces. It had a fenced yard and was surrounded by woods. It was not to our liking.

view_across_fields

Lastly we went to a house that was essentially a shell. It was waiting for a buyer and then it would be finished to their specifications. Again, not what we were looking for. We always learn a little with every viewing so this was time well spent and we appreciate Bob’s time.