First-time and seasoned home buyers received some good news recently.
On Nov. 6, 2009, the federal government extended a valuable tax break to home buyers under the Worker, Home ownership and Business Assistance Act of 2009.
The legislation was passed by the U.S. Congress as part of its plan to stimulate the U.S. housing market and address the economic challenges facing the country.
The act includes elements that extend time frames for home buyers and ease eligibility requirements.
It extends a tax credit of up to $8,000 to first-time home buyers.
It also extends a credit of up to $6,500 to current homeowners purchasing a new or existing home.
The credit applies to sales occurring between now and April 30, 2010, and covers home purchases completed by June 30, 2010.
The income-based qualification system allows for a $125,000 limit for a single taxpayer and a $225,000 limit for married couples filing joint returns.
The final tax credit is equal to 10% of the purchase price of the home being considered and it only applies to homes valued under $800,000 for qualified first-time home buyers.
But there's more good news.
The U.S. Department of Housing and Urban Development is allowing monetization of this tax credit, meaning that buyers with a Federal Housing Administration-insured mortgage can apply for and receive their anticipated tax credit immediately rather than wait until they file their income taxes to receive a refund.
This allows home buyers to apply the funds to closing costs. Home buyers can also use the funds to increase the amount that they put down on their home.
The tax credit applies to any home that is being used as a principal residence and includes detached homes, condominiums, townhouses and a wide variety of manufactured homes.
Saturday, February 13, 2010
Wednesday, January 20, 2010
Winterize your home
January is basically the coldest month in my area and if you have not already winterized your home you may need to get started. These helpful links will help you determine what you need to stay snug as a bug.
10 ways to winterize
Now's the time to winterize your home
Don't forget the vacation home
and if you don't like to read well you can watch how it's done. Comfort and energy efficiency.
Stay warm!
Affordable Home Inspections
10 ways to winterize
Now's the time to winterize your home
Don't forget the vacation home
and if you don't like to read well you can watch how it's done. Comfort and energy efficiency.
Stay warm!
Affordable Home Inspections
Wednesday, July 8, 2009
Summer is here and our honey-do list has begun
Summer is here and our honey-do list has begun. As a home inspector, I see the adverse affects of not keeping the simplest elements of a home operating as intended. Here are a few tasks I suggest completing this summer.
First and foremost “Water“, is the biggest source of problems with a home. Check your gutters. Are they pitched correctly towards the downspout, clean, no leaks and extensions on downspouts to divert water away from the home? If not then get busy!
“Crawl Space“, is it dry? Is it covered 100% with a plastic vapor barrier overlapped 12″ and pinned in place? If moisture is present what is causing it? Gutters/downspouts drain away from the home? Grade pitched towards the home? Air handler in the crawl space dripping condensation? Plumbing leak? If the answer is yes to any of these questions have a pro correct them.
“Tree’s and Shrubs” Are there branches close to the roof that can cause damage during high winds? Are shrubs close to the siding? This will cause water to splash against the wall and keep moisture against it. I recommend minimum 2′ clearance to walls. Don’t plant shrubs or flowers close to the foundation that take a lot of water. Water can penetrate into the crawl space or cause uneven soil bearing for the foundation.
“Mulch” Best practice would be to not use it against foundations. But if you must keep 6″ clearance to the start of the framing or siding on the foundation. Use cedar or other naturally insect resistant mulch.
“Exterior Finish” Walk around your home and look for failed caulking joints, thin or peeling paint and indicators of water damage to your siding or trim.
Correcting issues early can save a lot of money later!
We at Affordable Home Inspections offer annual home checks at a reasonable cost that would include Roof, Exterior, Crawl Spaces, Attics or just a single component.
Call us today at 919-557-3889, visit us at www.houseinspections.com or follow us on Twitter @mikencinspector.
Monday, June 22, 2009
LIFE IN THE 1500'S
The next time you are washing your hands and complain because the water flow and temperature are not just how you like, think about how things used to be.
Here are some interesting facts about the 1500’s:
Most people got married in June, because they took their yearly bath in May and still smelled pretty good by June. However, they were starting to smell, so brides carried a bouquet of flowers to hide the body odor. Hence the custom today of carrying a bouquet when getting married.
Baths consisted of a big tub filled with hot water. The man of the house had the privilege of the nice clean water, then all the other men and sons, then the women/girls and finally the children. Last of all the babies. By then the water was so dirty you could actually lose someone in it. Care had to be taken when throwing it away. Hence the saying, 'Don't throw the baby out with the bath water.'
Houses had thatched roofs. Thick straw, piled high, with no wood underneath. It was the only place for animals to get warm, so all the cats and other small animals (mice, bugs) lived in the roof. When it rained it became slippery and sometimes the animals would slip and drop off the roof. Hence the saying 'It is raining cats and dogs.'
There was nothing to stop things from falling into the house. This posed a real problem in the bedroom where bugs and other droppings could mess up your nice clean bed. Hence, a bed with big posts and a sheet hung over the top afforded some protection. That's how canopy beds came into existence.
The floor was dirt. Only the wealthy had something other than dirt. Hence the saying 'dirt poor.'
The wealthy had slate floors that would get slippery in the winter when wet, so they spread thresh (straw) on floor to help keep their footing. Also to protect their feet against the cold floor in winter. As the winter wore on, they added more thresh until when you opened the door it would all start slipping outside. A cross-piece of wood was placed in the entranceway. Hence the saying a 'thresh hold.'
(Getting quite an education, aren't you?)
In those old days, they cooked in the kitchen with a big kettle that always hung over the fire. Every day they lit the fire and added things to the pot. They ate mostly vegetables and did not get much meat. They would eat the stew for dinner, leaving leftovers in the pot to get cold overnight and then start over the next day. Sometimes stew had food in it that had been there for quite a while. Hence the rhyme, 'Peas porridge hot, peas porridge cold, peas porridge in the pot, nine days old.'
Sometimes they could obtain pork, which made them feel quite special. When visitors came over, the hosts would hang up their bacon to show off. It was a sign of wealth that a man could 'bring home the bacon.'
They would cut off a little pork to share with guests and would all sit around and 'chew the fat.' Those with money had plates made of pewter. Food with high acid content caused some of the lead to leach onto the food, cau sing lead poisoning death. This happened most often with tomatoes, so for nearly 400 years tomatoes were considered poisonous.
Bread was divided according to status. Servants got the burnt bottom of the loaf, the family got the middle, and guests got the top, or 'upper crust.'
Lead cups were used to drink ale or whiskey. The combination would sometimes knock the imbibers out for a couple of days. Someone walking along the road would take them for dead and prepare them for burial. They were laid out on the kitchen table for a couple of days and the family would gather around and eat and drink and wait to see if they would wake up. Hence the custom of holding a 'wake.'
England is old and small and the local folks started running out of places to bury people. So they would dig up coffins and would take the bones to a 'bone-house' and reuse the grave. When reopening these coffins, 1 out of 25 coffins were found to have scratch marks on the inside, and they realized they had been burying people alive. So they would tie a string on the wrist of the corpse, lead it through the coffin and up through the ground and tie it to a bell. Someone would have to sit out in the graveyard all night to see if the bell rang. Thus the term the 'graveyard shift'.
By this method, someone could be 'saved by the bell' or was considered a 'dead ringer.'
And that's the truth. Now, whoever said History was boring? Educate someone... Share these facts with a friend.
Here are some interesting facts about the 1500’s:
Most people got married in June, because they took their yearly bath in May and still smelled pretty good by June. However, they were starting to smell, so brides carried a bouquet of flowers to hide the body odor. Hence the custom today of carrying a bouquet when getting married.
Baths consisted of a big tub filled with hot water. The man of the house had the privilege of the nice clean water, then all the other men and sons, then the women/girls and finally the children. Last of all the babies. By then the water was so dirty you could actually lose someone in it. Care had to be taken when throwing it away. Hence the saying, 'Don't throw the baby out with the bath water.'
Houses had thatched roofs. Thick straw, piled high, with no wood underneath. It was the only place for animals to get warm, so all the cats and other small animals (mice, bugs) lived in the roof. When it rained it became slippery and sometimes the animals would slip and drop off the roof. Hence the saying 'It is raining cats and dogs.'
There was nothing to stop things from falling into the house. This posed a real problem in the bedroom where bugs and other droppings could mess up your nice clean bed. Hence, a bed with big posts and a sheet hung over the top afforded some protection. That's how canopy beds came into existence.
The floor was dirt. Only the wealthy had something other than dirt. Hence the saying 'dirt poor.'
The wealthy had slate floors that would get slippery in the winter when wet, so they spread thresh (straw) on floor to help keep their footing. Also to protect their feet against the cold floor in winter. As the winter wore on, they added more thresh until when you opened the door it would all start slipping outside. A cross-piece of wood was placed in the entranceway. Hence the saying a 'thresh hold.'
(Getting quite an education, aren't you?)
In those old days, they cooked in the kitchen with a big kettle that always hung over the fire. Every day they lit the fire and added things to the pot. They ate mostly vegetables and did not get much meat. They would eat the stew for dinner, leaving leftovers in the pot to get cold overnight and then start over the next day. Sometimes stew had food in it that had been there for quite a while. Hence the rhyme, 'Peas porridge hot, peas porridge cold, peas porridge in the pot, nine days old.'
Sometimes they could obtain pork, which made them feel quite special. When visitors came over, the hosts would hang up their bacon to show off. It was a sign of wealth that a man could 'bring home the bacon.'
They would cut off a little pork to share with guests and would all sit around and 'chew the fat.' Those with money had plates made of pewter. Food with high acid content caused some of the lead to leach onto the food, cau sing lead poisoning death. This happened most often with tomatoes, so for nearly 400 years tomatoes were considered poisonous.
Bread was divided according to status. Servants got the burnt bottom of the loaf, the family got the middle, and guests got the top, or 'upper crust.'
Lead cups were used to drink ale or whiskey. The combination would sometimes knock the imbibers out for a couple of days. Someone walking along the road would take them for dead and prepare them for burial. They were laid out on the kitchen table for a couple of days and the family would gather around and eat and drink and wait to see if they would wake up. Hence the custom of holding a 'wake.'
England is old and small and the local folks started running out of places to bury people. So they would dig up coffins and would take the bones to a 'bone-house' and reuse the grave. When reopening these coffins, 1 out of 25 coffins were found to have scratch marks on the inside, and they realized they had been burying people alive. So they would tie a string on the wrist of the corpse, lead it through the coffin and up through the ground and tie it to a bell. Someone would have to sit out in the graveyard all night to see if the bell rang. Thus the term the 'graveyard shift'.
By this method, someone could be 'saved by the bell' or was considered a 'dead ringer.'
And that's the truth. Now, whoever said History was boring? Educate someone... Share these facts with a friend.
Sunday, May 24, 2009
How to create virtual tours in Google Earth
Enhance your web site
I have been trying different methods on how to help clients in my profession. I stumbled across this article and thought it would be beneficial for Realtors to use it on there web sites. I also think it would be beneficial for builders to show there homes in a neighborhood.
If I was selling a home I would like to make the potential clients search as easy as possible. In Google Earth and Google Maps they provide tools for making this possible.
Lets take this example: A potential buyer wants to but a home in Raleigh NC. They search for a realtor and they visit there web site on the web. The realtor provides Google Earth link with all the listings of available homes in "Raleigh". The client can click on markers in the area they would like to view and see pictures of the home.
Builders could also provide the same thing for selling there homes. I'm sure allot of you already use this useful tool but if you haven't this link will provide you with step by step instructions on getting you started and put you one up on your competitor. "How to create Virtual tours"
Mike Schulz
Affordable Home Inspections
http://www.houseinspections.com
I have been trying different methods on how to help clients in my profession. I stumbled across this article and thought it would be beneficial for Realtors to use it on there web sites. I also think it would be beneficial for builders to show there homes in a neighborhood.
If I was selling a home I would like to make the potential clients search as easy as possible. In Google Earth and Google Maps they provide tools for making this possible.
Lets take this example: A potential buyer wants to but a home in Raleigh NC. They search for a realtor and they visit there web site on the web. The realtor provides Google Earth link with all the listings of available homes in "Raleigh". The client can click on markers in the area they would like to view and see pictures of the home.
Builders could also provide the same thing for selling there homes. I'm sure allot of you already use this useful tool but if you haven't this link will provide you with step by step instructions on getting you started and put you one up on your competitor. "How to create Virtual tours"
Mike Schulz
Affordable Home Inspections
http://www.houseinspections.com
Wednesday, May 13, 2009
Simple steps to keep that A/C in working order
Afforadable Home Inspections
http://www.houseinspections.com
Just wanted to add to this a little more. Your service provider should but not limited to check these items.
- Calibrate and level thermostat.
- Clean filters as needed.
- Monitor voltage/amps on fan motor
- Lubricate and inspect bearing for wear.
- Check condition of indoor coil
- Flush/treat condensate drain with anti algae.
- Inspect condenser coil.
- Monitor operating pressures of refrigerant
- Inspect safety devices for proper operation.
- Inspect disconnect box for proper rating and installation.
- Tighten all electrical connections if needed.
- Test/inspect contacts for burning, pitted contacts.
- Inspect electrical for exposed wiring.
- Test and inspect capacitors.
- Inspect fan blade.
- Clean Condenser coil/remove debris.
- Inspect service valves for proper operation.
- Measure temperature difference-supply/return
- Inspect duct work for energy loss.
- Monitor compressor for proper amperage, volt draw and wiring connections.
Information provided by www.cleanairnc-cooling.com
So if your service technician is not doing at least this maybe it's time to look for another!
Via Scott Patterson - Middle TN Home Inspector (Trace Home Inspections):
Five Simple Steps for a Happy and Cool Summer!
Summer is upon us! Today in Nashville TN, my A/C was on and it was not the first time this year! Just a few weeks ago we were in the mid 80's. The following easy steps we help homeowners in preventing a few problems from occurring with their A/C system this summer.
•· Inspect the filters - The first step in maintaining a well-functioning air conditioning system is to inspect the air filters. These should be changed or cleaned at least twice a year. Monthly maintenance is recommended if the system is in constant use or if the air is dusty and dirty. Replace that filter every month. The best time is when you pay your electric bill!
•· Make sure the machine is properly lubricated - Over time, friction can increase within the machine. Oil the motor and bearings twice a year. Be sure to turn off all electricity to the unit when servicing. NOTE: I would not recommend this for the typical homeowner! This job is best left for the professional HVAC contractor.
•· Inspect the fan belts - Check fan belts and pulleys for wear and proper tension. This is located in the "blower" compartment. Most newer systems do not have belts but rather a direct drive motor that is virtually maintenance free. If you do have belts that need replacing, have a professional replace worn parts.
•· Clean the outdoor condensing unit - Foreign objects and dirt can affect the performance of the machine. Brush away or hose off any insects, dirt or other items on the outdoor condensing unit.
•· Clean the drain line -Inspect the drain line to make sure there are not any problems with the termination. If algae is present, wash the affected area with chlorine. This will keep to keep the condensation water from overflowing and causing damage to your home.
If you have a window air conditioning unit, check the window and sill for decay, inspect the unit for rusting and spot paint if any rust is present.
I strongly recommend using a local company for yearly tune ups on your cooling and heating system. Once in the late summer/early fall for the heating system and then in the spring time for the A/C.
Tuesday, May 12, 2009
A LETTER OF OUTRAGE
A LETTER OF OUTRAGE
This letter was sent to the Wall Street Journal on August 8, 2008 by Alisa Wilson, Ph.D. Of Beverly Hills , CA . in response to the Wall Street Journal article titled "Where's The Outrage?" that appeared July 31,2008.
Really. I can tell you where the outrage is. The outrage is here, in this middle-aged, well-educated, upper-middle class woman. The outrage is here, but I have no representation, no voice. The outrage is here, but no one is listening for who am I!
I am not a billionaire like George Soros that can fund an entire political movement.
I am not a celebrity like Barbra Streisand that can garner the attention of the press to promote political candidates.
I am not a film maker like Michael Moore or Al Gore that can deliver misleading movies to the public.
The outrage is here, but unlike those with money or power, I don't know how to reach those who feel similarly in order to effect change..
Why am I outraged? I am outraged that my country, the United States of America, is in a state of moral and ethical decline. There is no right or wrong anymore, just what's fair.
Is it fair that millions of Americans who overreached and borrowed more than they could afford are now being bailed out by the government and lending institutions to stave off foreclosure? Why shouldn't these people be made to pay the consequences for their poor judgment?
When my husband and I purchased our home, we were careful to purchase only what we could afford. Believe me, there are much larger, much nicer homes that I would have loved to have purchased. But, taking responsibility for my behavior and my life, I went with the house that we could afford, not the house that we could not afford. The notion of personal responsibility has all but died in our country.
I am outraged, that the country that welcomed my mother as an immigrant from Hitler's Nazi Germany and required that she and her family learn English now allows itself to be overrun with illegal immigrants and worse, caters to those illegal immigrants.
I am outraged that my hard-earned taxes help support those here illegally. That the Los Angeles Public School District is in such disarray that I felt it incumbent to send my child to private school, that every time I go to the ATM, I see "do you want to continue in English or Spanish?", that every time I call the bank, the phone company , or similar business, I hear "press 1 for English or press 2 for Spanish". WHY? This is America, our common language is English and attempts to promote a bi- or multi-lingual society are sure to fail and to marginalize those who cannot communicate in English.
I am outraged at our country's weakness in the face of new threats on American traditions from Muslims. Just this week, Tyson's Food negotiated with its union to permit Muslims to have Eid-al-Fitr as a holiday instead of Labor Day. What am I missing? Yes, there is a large Somali Muslim population working at the Tyson's plant in Tennessee. Tennessee, last I checked, is still part of the United States. If Muslims want to live and work here they should be required to live and work by our American Laws and not impose their will on our long history.
In the same week, Random House announced that they had indefinitely delayed the publication of The Jewel of Medina, by Sherry Jones, a book about the life of Mohammed's wife, Aisha due to fear of retribution and violence by Muslims. When did we become a nation ruled by fear of what other immigrant groups want? It makes me so sad to see large corporations cave rather than stand proudly on the principles that built this country.
I am outraged because appeasement has never worked as a political policy, yet appeasing Mahmoud Ahmadinejad is exactly what we are trying to do. An excellent article, also published recently in the Wall Street Journal, went through over 20 years of history and why talking with Iran has been and will continue to be ineffective. Yet talk, with a madman no less, we continue to do. Have we so lost our moral compass and its ability to detect evil that we will not go in and destroy Iran 's nuclear program? Would we rather wait for another Holocaust for the Jews -- one which they would be unlikely to survive? When does it end?
As if the battle for good and evil isn't enough, now come the Environmentalists who are so afraid of global warming that they want to put a Bag tax on grocery bags in California; to eliminate Mylar balloons; to establish something as insidious as the recycle police in San Francisco. I do my share for the environment: I recycle, I use water wisely, I installed an energy efficient air conditioning unit. But when and where does the lunacy stop? Ahmadinejad wants to wipe Israel off the map, the California economy is being overrun by illegal immigrants, and the United States of America no longer knows right from wrong, good from evil. So what does California do? Tax grocery bags..
So, America, although I can tell you where the outrage is, this one middle-aged, well-educated, upper middle class woman is powerless to do anything about it. I don't even feel like my vote counts because I am so outnumbered by those who disagree with me.
Alisa Wilson, Ph.D. Beverly Hills, California
There are a lot more out there who think just like Alisa Wilson. The only difference, she put her thoughts in an email that will reach thousands. I would like to keep this going and see how big it gets.
This letter was sent to the Wall Street Journal on August 8, 2008 by Alisa Wilson, Ph.D. Of Beverly Hills , CA . in response to the Wall Street Journal article titled "Where's The Outrage?" that appeared July 31,2008.
Really. I can tell you where the outrage is. The outrage is here, in this middle-aged, well-educated, upper-middle class woman. The outrage is here, but I have no representation, no voice. The outrage is here, but no one is listening for who am I!
I am not a billionaire like George Soros that can fund an entire political movement.
I am not a celebrity like Barbra Streisand that can garner the attention of the press to promote political candidates.
I am not a film maker like Michael Moore or Al Gore that can deliver misleading movies to the public.
The outrage is here, but unlike those with money or power, I don't know how to reach those who feel similarly in order to effect change..
Why am I outraged? I am outraged that my country, the United States of America, is in a state of moral and ethical decline. There is no right or wrong anymore, just what's fair.
Is it fair that millions of Americans who overreached and borrowed more than they could afford are now being bailed out by the government and lending institutions to stave off foreclosure? Why shouldn't these people be made to pay the consequences for their poor judgment?
When my husband and I purchased our home, we were careful to purchase only what we could afford. Believe me, there are much larger, much nicer homes that I would have loved to have purchased. But, taking responsibility for my behavior and my life, I went with the house that we could afford, not the house that we could not afford. The notion of personal responsibility has all but died in our country.
I am outraged, that the country that welcomed my mother as an immigrant from Hitler's Nazi Germany and required that she and her family learn English now allows itself to be overrun with illegal immigrants and worse, caters to those illegal immigrants.
I am outraged that my hard-earned taxes help support those here illegally. That the Los Angeles Public School District is in such disarray that I felt it incumbent to send my child to private school, that every time I go to the ATM, I see "do you want to continue in English or Spanish?", that every time I call the bank, the phone company , or similar business, I hear "press 1 for English or press 2 for Spanish". WHY? This is America, our common language is English and attempts to promote a bi- or multi-lingual society are sure to fail and to marginalize those who cannot communicate in English.
I am outraged at our country's weakness in the face of new threats on American traditions from Muslims. Just this week, Tyson's Food negotiated with its union to permit Muslims to have Eid-al-Fitr as a holiday instead of Labor Day. What am I missing? Yes, there is a large Somali Muslim population working at the Tyson's plant in Tennessee. Tennessee, last I checked, is still part of the United States. If Muslims want to live and work here they should be required to live and work by our American Laws and not impose their will on our long history.
In the same week, Random House announced that they had indefinitely delayed the publication of The Jewel of Medina, by Sherry Jones, a book about the life of Mohammed's wife, Aisha due to fear of retribution and violence by Muslims. When did we become a nation ruled by fear of what other immigrant groups want? It makes me so sad to see large corporations cave rather than stand proudly on the principles that built this country.
I am outraged because appeasement has never worked as a political policy, yet appeasing Mahmoud Ahmadinejad is exactly what we are trying to do. An excellent article, also published recently in the Wall Street Journal, went through over 20 years of history and why talking with Iran has been and will continue to be ineffective. Yet talk, with a madman no less, we continue to do. Have we so lost our moral compass and its ability to detect evil that we will not go in and destroy Iran 's nuclear program? Would we rather wait for another Holocaust for the Jews -- one which they would be unlikely to survive? When does it end?
As if the battle for good and evil isn't enough, now come the Environmentalists who are so afraid of global warming that they want to put a Bag tax on grocery bags in California; to eliminate Mylar balloons; to establish something as insidious as the recycle police in San Francisco. I do my share for the environment: I recycle, I use water wisely, I installed an energy efficient air conditioning unit. But when and where does the lunacy stop? Ahmadinejad wants to wipe Israel off the map, the California economy is being overrun by illegal immigrants, and the United States of America no longer knows right from wrong, good from evil. So what does California do? Tax grocery bags..
So, America, although I can tell you where the outrage is, this one middle-aged, well-educated, upper middle class woman is powerless to do anything about it. I don't even feel like my vote counts because I am so outnumbered by those who disagree with me.
Alisa Wilson, Ph.D. Beverly Hills, California
There are a lot more out there who think just like Alisa Wilson. The only difference, she put her thoughts in an email that will reach thousands. I would like to keep this going and see how big it gets.
Subscribe to:
Posts (Atom)