Heating Basics 104

Hot Water Heat

More often than not, my experience points to hot water base board being the choice of heat most commonly made in homes, compared to hot air, wood stoves, and fireplaces.


The warmth is delivered by moving the heated water through a network of pipes around the house, usually divided into separate zones on each floor. Radiating outwards from the water into the air in each room, the heat is accelerated and amplified by fins in the baseboard or reflectors in the floor. It is a passive, unobtrusive friend.

In older houses, this system is identified by the ornate bulky cast-iron boilers in every room. Homes less than 50 years old have sections of bulky baseboards along the wall, noticeable only as limiting for the placement of furniture.
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In the basement, the efficient system sits contained in a small box (size of a filing cabinet) with a well-organized mane of pipes and valves. Often now, the hot water tank for dishes and showers serves as auxiliary to hold water heated by the boiler, no longer a heater by itself.

This system is the most expensive to install and cheapest to maintain, quietly (well, older versions provide the comforting gurgle and knocks moving through) providing an even, warm heat without another thought. Anyone who just wants to go about their day should live with hot water heat.

Baseboards, like grilles of a forced air system, are usually set under windows to offer the strongest defense against the largest loss. A large room requires longer runs, limiting some locations for a sofa or bed. The pipes can remain effective built into a shelf or cabinet unit.

Although the most expensive installation, most people would prefer to run radiant in the floor, especially in a solid slab concrete floor. This requires a web of pipes weaving to cover every square foot of the floor for maximum warmth and effect. The mass becomes warm enough to live in bare feet while winter rages outside, heating from your toes upwards.

Beyond cost, there is no downside to hot water heat. Solid and persistent, this is a heat source that does all the work with little complaint beyond the creaking of expanding pipes. There are no pauses in the day to feel cold or hot; simply set the thermostat and live.

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Confessions of a Sub-Primer

I am a contributor to the sub-prime fiasco.

So much blame for the current economic crisis is placed on the shoulders of the mortgages made to people with less than stellar credit desperate to buy homes they could not afford. The rising rate of defaults on these so-called predator loans, it is explained, has shaken confidence around the world, and the entire economic system is on the verge of collapse.

This bail-out package has been rushed so quickly—desperately—to vote, one wonders if taking just a little more time might uncover better solutions. If, in fact, failed mortgages are at the root, why are we not looking at supporting those mortgages instead of bailing out the “evil” men who made them? This answer seems just as poor a decision as the one that made me sign that mortgage in the first place.

In the super-charged economy of pre 911, when contractors had all the work they wanted and not enough labor to get it done, I rushed along, putting unqualified people in place, making mistakes that tumbled my company into serious debt. Unwilling to face bankruptcy, over-confident that money alone would cure the shortfall, equity in my home seemed the best way to rescue my company, the men, and our families we were feeding.

My own credit had been destroyed in the effort to pay bills late instead of borrowing. Taking advantage of “No doc” loans available, we used my wife’s name, supported by my unproven income.

The interest rate was an affordable 6.5% for 3 years. The processor agreed enthusiastically that I could rebuild my credit and refinance by then, and rates were holding steady anyway, unlikely to rise. I even checked the index rate that would trigger an adjustment and was again re-assured.

So with hope and optimism in ourselves and our commitment to work hard, and in desperation to bail out a business that could turn profitable on the very next project, we met with the courier, and my wife signed the papers. What I did not see in the pages of fine, fine print--rushed through and signed in under 20 minutes—was that the link had enough points over the index to guarantee adjustment upwards.

It angers me to hear commentators speak with scorn of the people who made such decisions. We, The People, who are leading desperate lives to pay these mortgages of 12% are just as much “Main Street” as the citizen asked to pay for the bailout. In fact, we have to pay the mortgage and our taxes.

I chose this option when it was a rate I could afford, but as payments have risen more than $1,000 a month—money that goes entirely to the profits of the lender--my back has been slowly, painfully broken.

The demise of my business, the dissolution of my marriage, the search for a new career cannot be blamed on the sub-prime mortgage fiasco. The desperation to solve financial problems was an imposing factor. I am fortunate to be able to sell my house and get out from under this pain. I know there are others in neighborhoods who have lost all value and are forced to just walk away.

Perhaps there could be a solution that simply adjusts these mortgages back to the original affordable rates, and supports those unable to pay even that. People remain in their homes (perhaps other marriages can be saved), lenders see fair and modest returns, and confidence is restored.

Very simple, yes. But like a frightened child, I am listening carefully to the arguments and reassurances of our President and Congressionals sitting around the kitchen table late into the night. They want to leverage the perceived equity in our government’s home and it sounds eerily familiar.

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Heating Basics 103

Air Ducts & furnaces

If you know the feeling of damp shivering chilled to the bone cold, and you want to come into a house and be embraced like a mother wrapping a sick child in a blanket, then forced –air heat is the one to choose. Turn up the thermostat, stand on the grate and the warmth surrounds your chill and smothers it.

Forced air systems are easily recognized in a basement as the network of silvery trunks and pipes converging on a large metal box. The older the unit, the larger the box and the more places to duck underneath. In the rooms upstairs, the system is identified by the simple or decorative grilles in the floor, usually under windows. Typically the grills do not interfere with furniture placement and are a great delight for kids to stand over in bathrobes.

This system, aptly named, makes the cold air hot and pushes it through a duct system, entering each room through the grilles in the floor. Another set of grates, usually in central common areas, returns the cooled air back to the furnace to be heated again. This is an on-demand system: a call for heat delivers immediate satisfaction with a rush of warm air no one could deny. The heat is a comforting embrace, a luxury of warmth.

But in any house, especially a drafty one, the heat soon dissipates. The cold slowly creeps back in. A whirr of motor and a fluff or breeze soon delivers more heat. The body constantly readjusts.

All that movement of air also stirs up and redistributes the dust we wish was not actually there. This could certainly be a problem for allergy sufferers, but additional filters installed within the system provide a strong argument that this system actually cleans the house while heating. As long as they are maintained regularly, a series of filters in the ductwork may actually catch and control a healthy portion of the dust naturally floating around.

Air movement also accentuates the amount of moisture drawn out naturally in the process of heating air. Felt mostly in our dried out nostrils, this is often experienced by an increase of bloody noses. Here too, a humidifier can be added to the system to replace moisture lost in the changes of temperature blown through the house. Humidifiers in various strengths being necessary to balance any form of winter heat, this system may actually hold the advantage, being directly applied internally and requiring no oversight.

While these drawbacks make people avoid furnaces, each problem has a solution that actually improves it overall. Forced air is less expensive to install (about $6,000) and costs about the same to run relative to natural gas, LP, or oil. No system satisfies our need for heat more quickly and the fluctuations may be controlled by well-placed thermostats. The vicious claws of winter are well-tamed with a forced-air system.

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