• Nine Dishonest Sales Practices

    Here are some of the practices avoided by reliable sales operations. Watch out for them and exercise sales resistance if you suspect they are occurring:

    1. concealing or misrepresenting facts about current and resale value. Sales agents may present general facts about the area’s population growth, industrial or residential development, and real estate price levels as if they apply to your specific lot. You may be encouraged to believe that your piece of land represents an investment which will increase in value as regional development occurs. A sales agent may tell you that the developer will re-sell the lot, if you request. This promise may not be kept. Future resale is difficult or impossible in many promotional developments because much of your purchase price — sometimes as much as 40% — has gone for an intensive advertising campaign and commissions for sales agents. You are already paying a top price and it is unlikely that anyone else would pay you more than you are paying the developer. You may even have to sell for less than the price you originally paid for the lot. Sales promotions often are conducted in a high-pressure atmosphere. Furthermore, when you attempt to sell your lot, you are in competition with the developer, who probably holds extensive, unsold acreage in the same subdivision. In most areas, real estate brokers find it impractical to undertake the sale of lots in subdivisions and will not accept such listings. It is unlikely that the lot you purchase through interstate land sales represents an investment, in the view of professional land investors. Remember, the elements of value of a piece of land are its usefulness, the supply, the demand, and the buyer’s ability to re-sell it. The Urban Land Institute estimates that land must double in value every five years to justify holding it as an investment. In some areas, the cost of holding the land, such as taxes and other assessments, can run as high as 11% a year.

    2. failure to honor refund promises or agreements. Some sales promotions conducted by mail, email or long-distance telephone include the offer of a refund if the property has been misrepresented, or if the customer inspects the land within a certain period of time and decides not to buy. When the customers request the refund, s/he may encounter arguments about the terms of the agreement. The company may even accuse its own agent of having made a money-back guarantee without the consent or knowledge of the developer. Sometimes, the promised refund is made, but only after a long delay.

    3. misrepresentation of facts about the subdivision. This is where the property report offers an added measure of protection. A sales agent may offer false or incomplete information relating to either a distant subdivision or one which you visit. Misrepresentations often relate to matters such as the legal title, claims against it, latent dangers (such as swamps or cliffs), unusual physical features (such as poor drainage), restrictions on use, or lack of necessary facilities and utilities. Read the property report carefully with an eye to omissions, generalizations, or unproved statements that may tend to mislead you. If you are concerned about overlooking something important, discuss the report and the contract with a lawyer who understands real estate matters. The developer also may use advertisements that imply that certain facilities and amenities are currently available when they are not. Read the property report to determine whether these facilities and amenities are actually completed, or proposed to be completed in the future. If the company advertises sales on credit terms, the Truth in Lending Act requires the sales contract to fully set forth all terms of financing. This information must include total cost, simple annual interest, and total finance charges.

    4. failure to develop the subdivision as planned. Many buyers rely upon the developer’s contractual agreement or a verbal promise to develop the subdivision in a certain way. The promised attractions that influenced your purchase (golf course, marina, swimming pool, etc.) may never materialize after you become an owner. If they are provided, it may be only after a long delay. If you are planning on immediate vacation use of the property, or are working toward a specific retirement date, you may find that the special features promised of the development are not available when you need them.

    5. failure to deliver deeds and/or title insurance policies. Documents relating to the sales transaction may not be delivered as promised. Some sales in the promotional land development industry are made by contract for a deed to be delivered when the purchaser makes the last payment under the terms of the contract. A dishonest developer may fail to deliver the deed, or deliver it only after a long delay. A sales agent may offer false or incomplete information.

    6. abusive treatment and high-pressure sales tactics. Some sales agents drive prospective customers around a subdivision in automobiles equipped with citizen band radios which provide a running commentary on lot sales in progress. The customer may be misled by this and other sales techniques to believe that desirable lots are selling rapidly and that a hurried choice must be made. Hurrying the buyers into a purchase they may later regret is only one ploy of high-pressure sales agents. More offensive is abusive language used to embarrass customers who delay an immediate decision to buy. In some instances, hesitant buyers have been isolated in remote or unfamiliar places where transportation is controlled by the sales agent or the agent’s organization.

    7. failure to make good on sales inducements. Free vacations, gifts, savings bonds, trading stamps, and other promised inducements are used to lure people to sales presentations or to development sites. These promised treats may never materialize. Sometimes, special conditions are attached to the lure, or a customer is advised that gifts go only to lot purchasers. A “free vacation” may be the means of delivering the prospective buyer to a battery of high-pressure sales agents in a distant place. The promised attractions may never materialize.

    8. “bait and switch” tactics. Lots are frequently advertised at extremely low prices. When prospective buyers appear, they are told that the low-priced lots are all sold and then are pressured to buy one that is much more expensive. If the cheaper lot is available, it may be located on the side of a cliff or in another inaccessible location. If accessible, it may be much too small for a building or have other undesirable features. The buyers may be lured to the property with a certificate entitling them to a “free” lot. Often, the certificate bears a face value of $500 to $1,000. If the buyers attempt to cash it in, the amount is simply included in the regular price (often inflated) of the lot they choose. Often, this so-called “bait and switch” technique has a delayed fuse. Buyers who purchase an unseen lot for later retirement may be unpleasantly surprised when they visit the development. The lot they have paid for may be remote from other homes, shopping and medical facilities. It may be insufficiently developed for use. When the buyers complain, sales personnel attempt to switch them to a more expensive lot, applying the money paid for the original lot to an inflated price for the new one, and tacking on additional financing charges. If the unhappy purchasers lack sufficient funds to accept this alternative, they are left with an unusable, unmarketable first choice.

    9. failure to grant rights under the Interstate Land Sales Full Disclosure Act. Purchasers may not be given copies of the property report before they sign a sales contract. Some sales agents withhold this detailed statement until customers choose a specific lot. Sometimes, the buyers receive the report in a mass of promotional materials and legal documents. Unaware that the report is in their possession, they fail to read and understand it before signing a sales contract.

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

    This month I want to let you know about a great serive in Triangle area.  Leaf and Limb Tree Service.  A professional service that helps you get rid of dead trees and keeps your home safe and property values up.  They offer free estimates and scheduling is easy.  For all your Raleigh Tree Removal needs, call Leaf and Limb Tree Service.

    The above article was reprinted with the permission from the National Association of Cerfitied Home Inspectors.

     

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  • Building a Home

    If you want to build a new home, there are things you need to know before you begin. Learn about construction standards and about buying land, so you know your rights.

    MPS Supplementing Model Building Codes

    The Minimum Property Standards (MPS) establish certain minimum standards for buildings constructed under HUD housing programs. This includes new single-family homes, multi-family housing and healthcare-type facilities.

    HUD Minimum Property Standards and How They Supplement the Model Building Codes

    Until the mid-1980s, HUD maintained separate Minimum Property Standards for different types of structures. Since that time, HUD has accepted the model building codes, including over 250 referenced standards and local building codes, in lieu of separate and prescriptive HUD standards. However, there is one major area of difference between the MPS and other model building codes — durability requirements. Homes and projects financed by FHA-insured mortgages are the collateral for these loans, and their lack of durability can increase the FHA’s financial risk in the event of default. More specifically, the model codes do not contain any minimum requirements for the durability of items such as doors, windows, gutters and downspouts, painting and wall coverings, kitchen cabinets and carpeting. The MPS includes minimum standards for these, and other items, to ensure that the value of an FHA-insured home is not reduced by the deterioration of these components.

    HUD Field Office Acceptance for Areas Without Building Codes

    HUD requires that each property insured with an FHA mortgage meet one of the nationally recognized building codes or a state or local building code based on a nationally recognized building code. In areas where such state or local codes are used, HUD determines if the state or local code is comparable to the model building code. There are also areas of the United States that do not have building codes. If no state or local building code has been adopted, the appropriate HUD Field Office will specify a building code that is comparable to one of the nationally recognized model building codes.

    Interstate Land Sales

    The Interstate Land Sales program protects consumers from fraud and abuse in the sale or lease of land. In 1968, Congress enacted the Interstate Land Sales Full Disclosure Act, which is patterned after the Securities Law of 1933, and requires land developers to register subdivisions of 100 or more non-exempt lots with HUD, and to provide each purchaser with a disclosure document called a property report. The property report contains relevant information about the subdivision and must be delivered to each purchaser before the signing of the contract or agreement.

    Buying Lots from Developers

    Be well informed when shopping for land. Lots may be marketed as sites for future retirement homes, for second home locations, or for recreational or campsite use. However, be wary of any investment aspect that may be stressed by sales personnel. If you plan to purchase a lot which is offered by promotional land sales, take plenty of time before coming to a decision. Before signing a purchase agreement, a contract, or a check:

    •know your rights as a buyer;

    •know something about the developer;

    •know the facts about the development and the lot you plan to buy; and

    •know what you are doing when you encounter high-pressure sales campaigns.

    Generally, if the company from which you plan to buy is offering 100 or more unimproved lots for sale or lease through the mail or by means of interstate commerce, it may be required to register with the U.S. Department of Housing and Urban Development (HUD). This means that the company must file with HUD and provide prospective buyers with a property report containing detailed information about the property. Failure to do this may be a violation of federal law, punishable by up to five years in prison, a $10,000 fine, or both. The information filed by the developer and retained by HUD must contain such items as these:

    •a copy of the corporate charter and financial statement;

    •information about the land, including title policy or attorney’s title opinion, and copies of the deed and mortgages;

    •information on local ordinances, health regulations, etc.;

    •information about facilities available in the area, such as schools, hospitals and transportation systems;

    •information about availability of utilities and water, and plans for sewage disposal;

    •development plans for the property, including information on roads, streets and recreational facilities; and

    •supporting documents, such as maps, plans and letters from suppliers of water and sewer facilities.

    The company filing this information must swear and affirm that it is correct and complete, and an appropriate fee must accompany submission. The information is retained by HUD and is available for public inspection. The property report, which is also prepared by the developer, goes to the buyer. The law requires the seller to give the report to a prospective lot purchaser prior to the time a purchase agreement is signed. Ask for it. The seller is also required to have the buyer sign a receipt acknowledging receipt of the property report. Do not sign the receipt unless you have actually received the property report. Check the developer’s property report before buying. This is the kind of information you will find in a property report:

    •distances to nearby communities over paved and unpaved roads;

    •existence of mortgages or liens on the property;

    •whether contract payments are placed in escrow;

    •availability and location of recreational facilities;

    •availability of sewer and water service or septic tanks and wells;

    •present and proposed utility services and charges;

    •the number of homes currently occupied;

    •soil and foundation conditions which could cause problems in construction or in using septic tanks; and

    •the type of title the buyer may receive and when it should be received.

    Read the Property Report Before Signing Anything

    This report is prepared and issued by the developer of this subdivision. It is not prepared or issued by the federal government. Federal law requires that you receive this report prior to signing a contract or agreement to buy or lease a lot in this subdivision. However, no federal agency has judged the merits or value of the property. If you received the report prior to signing a contract or agreement, you may cancel your contract or agreement by giving notice to the seller any time before midnight of the seventh day following the signing of the contract or agreement. If you did not receive this report before you signed a contract or agreement, you may cancel the contract or agreement any time within two years from the date of signing.

    Your Contract Rights

    If the lot you are buying is subject to the jurisdiction of the Interstate Land Sales Full Disclosure Act, the contract or purchase agreement must inform you of certain rights given to buyers by that Act. The contract should state that the buyer has a “cooling-off” period of seven days (or longer, if provided by state law) following the day that the contract is signed to cancel the contract, for any reason, by notice to the seller, and get his or her money back. Furthermore, unless the contract states that the seller will give the buyer a warranty deed, within 180 days after the contract is signed, the buyer has a right to cancel the contract for up to two years from the day that the contract is signed, unless the contract contains the following provisions:

    •a clear description of the lot so that the buyer may record the contract with the proper county authority;

    •the right of the buyer to a notice of any default (by the buyer), and at least 20 days after receipt of that notice to cure or remedy the default;

    •a limitation on the amount of money the seller may keep as liquidated damages, of 15% of the principal paid by the buyer (exclusive of interest) or the seller’s actual damages, whichever is greater.

    Contract Rights Concerning Property Reports

    It has always been the law that if the developer has an obligation to register with the Interstate Land Sales Division, the developer or sales agent must give the buyer a copy of the current property report before the buyer signs a contract. Otherwise, the buyer has up to two years to cancel the contract and get their money back. That fact must also be clearly set forth in all contracts. You may have the right to void the contract if the subdivision has not been registered with HUD, or you were not given a property report. Furthermore, if the developer has represented that it will provide or complete roads, water, sewer, gas, electricity or recreational facilities in its property report, in its advertising, or in its sales promotions, the developer must obligate itself to do so in the contract, clearly and conditionally (except for acts of nature or impossibility of performance). In addition to the right to a full disclosure of information about the lot, the prospective buyer may have the right to void the contract and receive a refund of their money if the developer has failed to register the subdivision with HUD or has failed to supply the purchaser with a property report. While a purchaser may have the right to void the contract with the developer under these conditions, the purchaser may still be liable for contract payments to a third party if that contract has been assigned to a financing institution or some similar entity. The registration is retained by HUD and is available for public inspection. If the property report contains misstatements of fact, if there are omissions, if fraudulent sales practices are used, or if other provisions of the law have been violated, the purchaser may also sue to recover damages and actual costs and expenses in court against the developer. However, depending on when your sale occurred, you may be barred from taking further action due to the Act’s statute of limitations. Your attorney can advise you further on this matter.

    “Cooling-Off” Period

    Even if you received the property report prior to the time of your signing of the contract or agreement, you have the right to revoke the contract or agreement by notice to the seller until midnight of the seventh day following the signing of the contract. You should contact the developer, preferably in writing, if you wish to revoke your contract and receive a refund of any money paid to date. Even if the property report is delivered to you before you sign a sales agreement, the law gives you a “cooling-off ” period. This right cannot be waived.

    A Word About the Interstate Land Sales Division

    The HUD unit which administers the law, examines the developer’s registration statement, and registers the land sales operator is the Interstate Land Sales Division. Except for disclosure purposes, this office is not concerned with zoning or land-use planning, and has no control over the quality of the subdivision. It does not dictate what land can be sold, to whom, or at what price. It cannot act as a purchaser’s attorney. But it will help purchasers secure the rights given to them by the Interstate Land Sales Full Disclosure Act. HUD is authorized by law to conduct investigations and public hearings, to subpoena witnesses and secure evidence, and to seek court injunctions to prevent violations of the law. If necessary, HUD may seek criminal indictments. HUD is authorized by law to conduct investigations and, if necessary, seek criminal indictments.

    Exemptions from the Law

    The prospective buyer should be aware that not all promotional land sales operations are covered by the law. If the land sales program is exempt, no registration is required by HUD, and there will be no property report. Here are some of the specific situations for which the statute allows exemptions without review by HUD, including the sale of:

    •tracts of fewer than 100 lots which are not otherwise exempt;

    •lots in a subdivision where every lot is 20 acres or more in size;

    •lots upon which a residential, commercial or industrial building has been erected, or where a sales contract obligates the seller to build one within two years;

    •certain lots which are sold only to residents of the state or metropolitan area in which the subdivision is located;

    •certain low-volume sales operations (no more than 12 lots a year);

    •certain lots that meet certain local codes and standards and are zoned for single-family residences or are limited to single-family residences by enforceable codes and restrictions; and

    •certain lots, contained in multiple sites of fewer than 100 lots each, offered pursuant to a common promotional plan.

    Other exemptions are available which are not listed above. If you have reason to believe that your sale is not exempt and may still be covered by the law, contact the Interstate Land Sales Division.

    Know the Developer

    Knowing your rights under the law is the first step in making a sensible land purchase. To exercise those rights, you also must know something about the honesty and reliability of the developer who offers the subdivision that interests you. Don’t fail to ask questions. Whether you are contacted by a sales agent on the phone or by mail, at a promotional luncheon or dinner, in a sales booth at a shopping center, or in the course of your own inspection of the subdivision, make it your business to find out all you can about the company and the property. In addition, get any verbal promises or representations in writing. Don’t fail to ask questions. If you are seriously interested in buying a lot, ask if the company is registered with HUD or is entitled to an exemption. Request a copy of the property report and take the time to study it carefully and thoroughly. If you still have unanswered questions, delay any commitment until you have investigated. Discuss current prices in the area with local independent brokers. Talk to other people who have purchased lots. A local Chamber of Commerce, Better Business Bureau, or consumer protection group may have information about the seller’s reputation. Inquire through county or municipal authorities about local ordinances or regulations affecting properties similar to that which you plan to buy. Don’t be high-pressured by sales agents.

    Know the Facts About the Lot

    Once you have decided on an appealing subdivision, inspect the property. Don’t buy “sight unseen.” Better yet, hire an InterNACHI inspector to perform a thorough property inspection. Also, check the developer’s plans for the project and know what you are getting with your lot purchase. It’s a good idea to make a list of the facts you will need to know. Some of the questions you should be asking, and answering, are these:

    •How large will the development become?

    •What zoning controls are specified?

    •What amenities are promised?

    •What provision has the developer made to assure construction and maintenance?

    •What are the provisions for sewer and water service?

    •Are all of the promised facilities and utilities in the contract?

    •Will there be access roads or streets to your property, and how will they be surfaced? Who maintains them? How much will they cost?

    •Will you have clear title to the property? What liens, reservations or encumbrances exist?

    •Will you receive a deed upon purchase or a recordable sales contract?

    •What happens to your payments? Are they placed in a special escrow account to pay for the property, or are they spent at once by the developer?

    •If the developer defaults on the mortgage or goes bankrupt, could you lose your lot and investment to date to satisfy a claim against the development?

    •What happens when the developer moves out? Is there a homeowners’ association to take over community management?

    •Are there restrictions against using the lot for a campsite until you are ready to build?

    •Are there any annual maintenance fees or special assessments required of property owners?

    This is a partial list of points to consider before you commit your money or your signature.

    Know What You are Doing

    Interstate land sales promotions often are conducted in a high-pressure atmosphere that sweeps unsophisticated buyers along. Before they are aware that they have made a commitment, these buyers may have signed a sales contract and started to make payments on a lot. They may be delighted with the selection made, but, if not, it may be too late for a change of mind.

     

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

    This article was reprinted with the permission from the National Association of Cerfitied Home Inspectors.

     

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  • Electrical Safety

     

    Electricity is an essential part of our lives. However, it has the potential to cause great harm. Electrical systems will function almost indefinitely, if properly installed and not overloaded or physically abused. Electrical fires in our homes claim the lives of 485 Americans each year and injure 2,305 more. Some of these fires are caused by electrical system failures and appliance defects, but many more are caused by the misuse and poor maintenance of electrical appliances, incorrectly installed wiring, and overloaded circuits and extension cords.  Some safety tips to remember:

    • Never use anything but the proper fuse to protect a circuit.
    • Find and correct overloaded circuits.
    • Never place extension cords under rugs.
    • Outlets near water should be GFCI-type outlets.
    • Don’t allow trees near power lines to be climbed.
    • Keep ladders, kites, equipment and anything else away from overhead power lines.

     

    Electrical Panels

    Electricity enters the home through a control panel and a main switch where one can shut off all the power in an emergency. These panels are usually located in the basement. Control panels use either fuses or circuit breakers. Install the correct fuses for the panel. Never use a higher-numbered fuse or a metallic item, such as a penny. If fuses are used and there is a stoppage in power, look for the broken metal strip in the top of a blown fuse. Replace the fuse with a new one marked with the correct amperage. Reset circuit breakers from “off” to “on.” Be sure to investigate why the fuse or circuit blew. Possible causes include frayed wires, overloaded outlets, or defective appliances. Never overload a circuit with high-wattage appliances. Check the wattage on appliance labels. If there is frayed insulation or a broken wire, a dangerous short circuit may result and cause a fire. If power stoppages continue or if a frayed or broken wire is found, contact an electrician.

    Outlets and Extension Cords
    Make sure all electrical receptacles or outlets are three-hole, grounded outlets. If there is water in the area, there should be a GFCI or ground-fault circuit interrupter outlet. All outdoor outlets should be GFCIs. There should be ample electrical capacity to run equipment without tripping circuit breakers or blowing fuses. Minimize extension cord use. Never place them under rugs. Use extension cords sparingly and check them periodically. Use the proper electrical cord for the job, and put safety plugs in unused outlets.

    Electrical Appliances
    Appliances need to be treated with respect and care. They need room to breathe. Avoid enclosing them in a cabinet without proper openings, and do not store papers around them. Level appliances so they do not tip. Washers and dryers should be checked often. Their movement can put undue stress on electrical connections. If any appliance or device gives off a tingling shock, turn it off, unplug it, and have a qualified person correct the problem. Shocks can be fatal. Never insert metal objects into appliances without unplugging them. Check appliances periodically to spot worn or cracked insulation, loose terminals, corroded wires, defective parts and any other components that might not work correctly. Replace these appliances or have them repaired by a person qualified to do so.

    Electrical Heating Equipment
    Portable electrical heating equipment may be used in the home as a supplement to the home heating system. Caution must be taken when using these heating supplements. Keep them away from combustibles, and make sure they cannot be tipped over. Keep electrical heating equipment in good working condition. Do not use them in bathrooms because of the risk of contact with water and electrocution. Many people use electric blankets in their homes. They will work well if they are kept in good condition. Look for cracks and breaks in the wiring, plugs and connectors. Look for charred spots on both sides. Many things can cause electric blankets to overheat. They include other bedding placed on top of them, pets sleeping on top of them, and putting things on top of the blanket when it is in use. Folding the blankets can also bend the coils and cause overheating.

    Children
    Electricity is important to the workings of the home, but can be dangerous, especially to children. Electrical safety needs to be taught to children early on. Safety plugs should be inserted in unused outlets when toddlers are in the home. Make sure all outlets in the home have face plates. Teach children not to put things into electrical outlets and not to chew on electrical cords. Keep electrical wiring boxes locked. Do not allow children to come in contact with power lines outside. Never allow them to climb trees near power lines, utility poles or high tension towers.

    Electricity and Water
    A body can act like a lightning rod and carry the current to the ground. People are good conductors of electricity, particularly when standing in water or on a damp floor. Never use any electrical appliance in the tub or shower. Never touch an electric cord or appliance with wet hands. Do not use electrical appliances in damp areas or while standing on damp floors. In areas where water is present, use outlets with GFCIs. Shocks can be fatal.

    Animal Hazards
    Mice and other rodents can chew on electrical wires and damage them. If rodents are suspected or known to be in the home, be aware of the damage they may cause, and take measures to get rid of them.

    Outside Hazards

    There are several electrical hazards outside the home. Be aware of overhead and underground power lines. People have been electrocuted when an object they are moving has come in contact with the overhead power lines. Keep ladders, antennae, kites and poles away from power lines leading to the house and other buildings. Do not plant trees, shrubs or bushes under power lines or near underground power lines. Never build a swimming pool or other structure under the power line leading to your house. Before digging, learn the location of underground power lines.

     

    Do not climb power poles or transmission towers. Never let anyone shoot or throw stones at insulators. If you have an animal trapped in a tree or on the roof near electric lines, phone your utility company. Do not take a chance of electrocuting yourself. Be aware of weather conditions when installing and working with electrical appliances. Never use electrical power tools or appliances with rain overhead or water underfoot. Use only outdoor lights, fixtures and extension cords. Plug into outlets with a GFCI. Downed power lines are extremely dangerous. If you see a downed power line, call the electric company, and warn others to stay away. If a power line hits your car while you are in it, stay inside unless the car catches fire. If the car catches fire, jump clear without touching metal and the ground at the same time.
    MORE SAFETY PRECAUTIONS :

    • Routinely check your electrical appliances and wiring.
    • Hire an InterNACHI inspector. InterNACHI inspectors must pass rigorous safety training and are knowledgeable in the ways to reduce the likelihood of electrocution.
    • Frayed wires can cause fires. Replace all worn, old and damaged appliance cords immediately.
    • Use electrical extension cords wisely and don’t overload them.
    • Keep electrical appliances away from wet floors and counters; pay special care to electrical appliances in the bathroom and kitchen.
    • Don’t allow children to play with or around electrical appliances, such as space heaters, irons and hair dryers.
    • Keep clothes, curtains and other potentially combustible items at least 3 feet from all heaters.
    • If an appliance has a three-prong plug, use it only in a three-slot outlet. Never force it to fit into a two-slot outlet or extension cord.
    • Never overload extension cords or wall sockets. Immediately shut off, then professionally replace, light switches that are hot to the touch, as well as lights that flicker. Use safety closures to childproof electrical outlets.
    • Check your electrical tools regularly for signs of wear. If the cords are frayed or cracked, replace them. Replace any tool if it causes even small electrical shocks, overheats, shorts out or gives off smoke or sparks.

     

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

    This article was reprinted with the permission from the National Association of Cerfitied Home Inspectors.

     

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  • Health Effects From Biological Contaminants

     

    Some biological contaminants trigger allergic reactions, including hypersensitivity pneumonitis, allergic rhinitis, and some types of asthma. Infectious illnesses, such as influenza, measles and chicken pox, are transmitted through the air. Molds and mildews release disease-causing toxins. Symptoms of health problems caused by biological pollutants include sneezing, watery eyes, coughing, shortness of breath, dizziness, lethargy, fever and digestive problems.

    Allergic reactions occur only after repeated exposure to a specific biological allergen. However, that reaction may occur immediately upon re-exposure, or after multiple exposures over time. As a result, people who have noticed only mild allergic reactions, or no reactions at all, may suddenly find themselves very sensitive to particular allergens. Some diseases, such as humidifier fever, are associated with exposure to toxins from microorganisms that can grow in large buildings’ ventilation systems. However, these diseases can also be traced to micro-organisms that grow in home heating and cooling systems and humidifiers. Children, elderly people, and people with breathing problems, allergies, and lung diseases are particularly susceptible to disease-causing biological agents in the indoor air. Mold, dust mites, pet dander, and pest droppings or body parts can trigger asthma. Biological contaminants, including molds and pollens, can cause allergic reactions for a significant portion of the population. Tuberculosis, measles, staphylococcus infections, Legionella and influenza are known to be transmitted by air.

    Combustion Pollutants

    Combustion appliances are those which burn fuels for warmth, cooking or decorative purposes. Typical fuels are gas, both natural and liquefied petroleum (LP), kerosene, oil, coal and wood. Examples of the appliances are space heaters, ranges, ovens, stoves, furnaces, fireplaces, water heaters, and clothes dryers. These appliances are usually safe. However, under certain conditions, these appliances can produce combustion pollutants that can damage your health, or even kill you.

    What are Combustion Pollutants?

    Combustion pollutants are gases and particles that come from burning materials. The combustion pollutants come from burning fuels in appliances. The types and amounts of pollutants produced depend on the type of appliance, how well the appliance is installed, maintained and vented, and the kind of fuel it uses. Some of the common pollutants produced from burning these fuels are carbon monoxide, nitrogen dioxide, particles, and sulfur dioxide. Particles can have hazardous chemicals attached to them. Other pollutants that can be produced by some appliances are unburned hydrocarbons and aldehydes. Combustion always produces water vapor. Water vapor is not usually considered a pollutant, but it can act as one. It can result in high humidity and wet surfaces.

    Where do Combustion Pollutants Come From?

    Combustion pollutants found indoors include outdoor air, tobacco smoke, exhaust from car and lawn mower internal combustion engines, and some hobby activities, such as welding, woodburning and soldering. Combustion pollutants can also come from vented or unvented combustion appliances. These appliances include space heaters, gas ranges and ovens, furnaces, gas water heaters, gas clothes dryers, wood and coal-burning stoves, and fireplaces. As a group, these are called “combustion appliances.”

    Appliances

    Vented appliances are appliances designed to be used with a duct, chimney, pipe, or other device that carries the combustion pollutants outside the home. These appliances can release large amounts of pollutants directly into your home if a vent is not properly installed, or is blocked or leaking. Unvented appliances do not vent to the outside, so they release combustion pollutants directly into the home. Many of these problems are hard for a homeowner to identify. A professional is needed.

    What are the Health Effects of Combustion Pollutants?

    The health effects of combustion pollutants range from headaches and breathing difficulties to death. The health effects may show up immediately after exposure, or occur after being exposed to the pollutants for a long time. The effects depend on the type and amount of pollutants, and the length of time of exposure to them. They also depend upon several factors related to the exposed person. These include the age and any existing health problems. There are still some questions about the level of pollutants or the period of exposure needed to produce specific health effects. Further studies to better define the release of pollutants from combustion appliances and their health effects are needed.

    The sections below discuss health problems associated with some common combustion pollutants. These pollutants include carbon monoxide, nitrogen dioxide, particles, and sulfur dioxide. Even if you are healthy, high levels of carbon monoxide can kill you within a short time. The health effects of the other pollutants are generally more subtle and are more likely to affect susceptible people. It is always a good idea to reduce exposure to combustion pollutants by using and maintaining combustion appliances properly.

    Carbon Monoxide:

    Each year, according to CPSC, there are more than 200 carbon monoxide deaths related to the use of all types of combustion appliances in the home. Exposure to carbon monoxide reduces the blood’s ability to carry oxygen. Often, a person or an entire family may not recognize that carbon monoxide is poisoning them. The chemical is odorless, and some of the symptoms are similar to common illnesses. This is particularly dangerous because carbon monoxide’s deadly effects will not be recognized until it is too late to take action against them. Carbon monoxide exposures especially affect unborn babies, infants, and people with anemia or a history of heart disease. Breathing low levels of the chemical can cause fatigue and increase chest pain in people with chronic heart disease. Breathing higher levels of carbon monoxide causes symptoms such as headaches, dizziness, and weakness in healthy people. Carbon monoxide also causes sleepiness, nausea, vomiting, confusion and disorientation. At very high levels, it causes loss of consciousness and death.

    Nitrogen Dioxide:

    Breathing high levels of nitrogen dioxide causes irritation of the respiratory tract and causes shortness of breath. Compared to healthy people, children, and individuals with respiratory illnesses such as asthma, may be more susceptible to the effects of nitrogen dioxide. Some studies have shown that children may have more colds and flu when exposed to low levels of nitrogen dioxide. When people with asthma inhale low levels of nitrogen dioxide while exercising, their lung airways can narrow and react more to inhaled materials.

    Particles:

    Particles suspended in the air can cause eye, nose, throat and lung irritation. They can increase respiratory symptoms, especially in people with chronic lung disease or heart problems. Certain chemicals attached to particles may cause lung cancer, if they are inhaled. The risk of lung cancer increases with the amount and length of exposure. The health effects from inhaling particles depend upon many factors, including the size of the particle and its chemical make-up.

    Sulfur Dioxide:

    Sulfur dioxide at low levels of exposure can cause eye, nose, and respiratory tract irritation. At high exposure levels, it causes the lung airways to narrow. This causes wheezing, chest tightness, and breathing problems. People with asthma are particularly susceptible to the effects of sulfur dioxide. They may have symptoms at levels that are much lower than the rest of the population.

    Other Pollutants:

    Combustion may release other pollutants. They include unburned hydrocarbons and aldehydes. Little is known about the levels of these pollutants in indoor air and the resulting health effects.

    What do I do if I suspect that combustion pollutants are affecting my health?

    If you suspect you are being subjected to carbon monoxide poisoning, get fresh air immediately. Open windows and doors for more ventilation, turn off any combustion appliances, and leave the house. You could lose consciousness and die from carbon monoxide poisoning if you do nothing. It is also important to contact a doctor immediately for a proper diagnosis. Remember to tell your doctor that you suspect carbon monoxide poisoning is causing your problems. Prompt medical attention is important. Some symptoms from combustion pollutants — including headaches, dizziness, sleepiness, coughing, and watery eyes — may also occur because of common medical problems. These medical problems include colds, the flu, and allergies. Similar symptoms may also occur because of other indoor air pollutants. Contact your doctor for a proper diagnosis.

    How can I reduce my exposure to combustion pollutants?

    Proper selection, installation, inspection and maintenance of your appliances are extremely important in reducing your exposure to these pollutants. Providing good ventilation in your home and correctly using your appliance can also reduce your exposure to these pollutants. Additionally, there are several different residential carbon monoxide detectors for sale. These detectors alert consumers to harmful carbon monoxide levels in the home. They may soon be widely available to reduce deaths from carbon monoxide poisoning.

    Appliance Selection

    • Choose vented appliances whenever possible.
    • Buy only combustion appliances that have been tested and certified to meet current safety standards. Examples of certifying organizations are Underwriters Laboratories (UL) and the American Gas Association (AGA) Laboratories. Look for a label that clearly shows the certification.
    • All currently manufactured vented gas heaters are required by industry safety standards to have a safety shut-off device. This device helps protect you from carbon monoxide poisoning by shutting off an improperly vented heater.
    • Check your local and state building codes and fire ordinances to see if you can use an unvented space heater, if you are considering purchasing one. They are not allowed to be used in some communities, dwellings, and certain rooms in the house.
    • If you must replace an unvented gas space heater with another, make it a new one. Heaters made after 1982 have a pilot light safety system called an oxygen depletion sensor (ODS). This system shuts off the heater when there is not enough fresh air, before the heater begins producing large amounts of carbon monoxide. Look for the label that tells you that the appliance has this safety system. Older heaters will not have this protection system.
    • Consider buying gas appliances that have electronic ignitions rather than pilot lights. These appliances are usually more energy-efficient and eliminate the continuous low-level pollutants from pilot lights.
    • Buy appliances that are the correct size for the area you want to heat. Using the wrong size heater may produce more pollutants in your home and is not an efficient use of energy.
    • All new wood stoves are EPA-certified to limit the amounts of pollutants released into the outdoor air. For more information on selecting, installing, operating, and maintaining wood-burning stoves, write to the EPA Wood Heater Program. Before buying a wood stove, check your local laws about the installation and use of wood stoves.

    Ventilation

    To reduce indoor air pollution, a good supply of fresh, outdoor air is needed. The movement of air into and out of your home is very important. Normally, air comes in through cracks around doors and windows. This air helps reduce the level of pollutants indoors. This supply of fresh air is also important to help carry pollutants up the chimney, stovepipe or flue to the outside.

    • Keep doors open to the rest of the house from the room where you are using an unvented gas space heater or kerosene heater, and crack open a window. This allows enough air for proper combustion, and reduces the level of pollutants, especially carbon monoxide.
    • Use a hood fan if you are using a range. They reduce the level of pollutants you breathe if they exhaust to the outside. Make sure that enough air is coming into the house when you use an exhaust fan. If needed, open a door or window slightly, especially if other appliances are in use. For proper operation of most combustion appliances and their venting systems, the air pressure in the house should be greater than that outside. If not, the vented appliances could release combustion pollutants into the house rather than outdoors. If you suspect that you have this problem, you may need the help of a qualified person to solve it.
    • Make sure that your vented appliance has the vent connected and that nothing is blocking it. Make sure there are no holes or cracks in the vent. Do not vent gas clothes dryers or water heaters into the house for heating. This is unsafe.
    • Open the stove’s damper when adding wood. This allows more air into the stove. More air helps the wood burn properly, and prevents pollutants from being drawn back into the house instead of going up the chimney. If there is isible smoke or a constant smoky odor inside the home while using a wood-burning stove, this is a sign that the stove is not working properly. Soot on furniture in the rooms where you are using the stove also tells this. Smoke and soot are signs that the stove is releasing pollutants into the indoor air.

    Correct Use of Appliances

    • Read and follow the instructions for all appliances so that you understand how they work. Keep the owner’s manual in a convenient place to refer to when needed. Also, read and follow the warning labels because they tell you important safety information that you need to know. Reading and following the instructions and warning labels could save your life.
    • Always use the correct fuel for the appliance.
    • Use only water-clear ASTM 1-K kerosene for kerosene heaters. The use of kerosene other than 1-K could lead to a release of more pollutants in your home. Never use gasoline in a kerosene heater because it can cause a fire or an explosion. Using even small amounts of gasoline could cause a fire.
    • Use seasoned hardwoods (elm, maple, oak) instead of softwoods (cedar, fir, pine) in wood-burning stoves and fireplaces. Hardwoods are better because they burn hotter and form less creosote, an oily, black tar that sticks to chimneys and stove pipes. Do not use green or wet woods as the primary wood because they make more creosote and smoke. Never burn painted scrap wood or wood treated with preservatives, because they could release highly toxic pollutants, such as arsenic or lead. Plastics, charcoal, and colored paper, such as comics and wrapping paper, also produce pollutants. Never burn anything that the stove or fireplace manufacturer does not recommend.
    • Never use a range, oven or dryer to heat your home. When you misuse gas appliances in this way, they can produce fatal amounts of carbon monoxide. They can produce high levels of nitrogen dioxide, too.
    • Never use an unvented combustion heater overnight or in a room where you are sleeping. Carbon monoxide from combustion heaters can reach dangerous levels.
    • Never ignore a safety device when it shuts off an appliance. It means that something is wrong. Read your appliance instructions to find out what you should do, or have a professional check out the problem.
    • Never ignore the smell of fuel. This usually indicates that the appliance is not operating properly or is leaking fuel. Leaking fuel will not always be detectable by smell. If you suspect that you have a fuel leak, have it fixed as soon as possible. In most cases, you should shut off the appliance, extinguish any other flames or pilot lights, shut off other appliances in the area, open windows and doors, call for help, and leave the area.

    Inspection and Maintenance

    Have your combustion appliance regularly inspected and maintained to reduce your exposure to pollutants. Appliances that are not working properly can release harmful and even fatal amounts of pollutants, especially carbon monoxide. Have chimneys and vents inspected when installing or changing vented heating appliances. Some modifications may be required. For example, if a change was made in your heating system from oil to natural gas, the flue gas produced by the gas system could be hot enough to melt accumulated oil-combustion debris in the chimney or vent. This debris could block the vent, forcing pollutants into the house. It is important to clean your chimney and vents, especially when changing heating systems. Always hire an InterNACHI inspector to perform your home inspections, as they all must pass the most comprehensive, rigorous training program available.

    What are the Inspection and Maintenance Procedures?

    The best advice is to follow the recommendations of the manufacturer. The same combustion appliance may have different inspection and maintenance requirements, depending on where you live. In general, check the flame in the furnace combustion chamber at the beginning of the heating season. Natural gas furnaces should have a blue flame with perhaps only a slight yellow tip. Call your appliance service representative to adjust the burner if there is a lot of yellow in the flame, or call your local utility company for this service. LP units should have a flame with a bright blue center that may have a light yellow tip. Pilot lights on gas water heaters and gas cooking appliances should also have a blue flame. Have a trained service representative adjust the pilot light if it is yellow or orange. Before each heating season, have flues and chimneys inspected before each heating season for leakage and for blockage by creosote or debris. Creosote buildup or leakage could cause black stains on the outside of the chimney or flue. These stains can mean that pollutants are leaking into the house.

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

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  • Attached Garage Fire Hazards

    The purpose of this article is twofold. First, at Advantage Home Inspection Raleigh, we’d like you to take measures to keep your garage free from fire. Fortunately, there are ways this can be done, some of which are described below. Secondly, garage fires do happen, and we’d like you to make sure that a fire cannot not easily spread to the rest of your house. While you can perform many of the recommendations in this article yourself, it is a good idea to hire a licensed home inspector to make sure your home is safe from a garage fire.

    Why do many garages pose a fire hazard?

    •Where are you most likely to do any welding, or any work on your car? These activities require working with all sorts of flammable materials.

    •Water heaters and boilers are usually stored in garages, and they can create sparks that may ignite fumes or fluids. Car batteries, too, will spark under certain conditions.

    •Oil and gasoline can drip from cars. These fluids may collect unnoticed and eventually ignite, given the proper conditions.

    •Flammable liquids, such as gasoline, motor oil and paint are commonly stored in garages. Some other examples are brake fluid, varnish, paint thinner and lighter fluid.

    The following tips can help prevent garage fires and their spread:

    •If the garage allows access to the attic, make sure a hatch covers this access.

    •The walls and ceiling should be fire-rated. Unfortunately, it will be difficult for untrained homeowners to tell if their walls are Type X fire-rated gypsum. A licensed home inspector can examine the walls and ceiling to make sure they are adequate fire barriers.

    •The floor should be clear of clutter. Loose papers, matches, oily rags, and other potentially flammable items are extremely dangerous if they are strewn about the garage floor.

    •Use light bulbs with the proper wattage, and do not overload electrical outlets.

    •Tape down all cords and wires so they are not twisted or accidentally yanked.

    If there is a door that connects the garage to the living area, consider the following:

    •Do not install a pet door in the door! Flames can more easily spread into the living area through a pet door, especially if it’s made of plastic.

    •Does the door have a window? A licensed inspector can inspect the window to tell if it’s fire-rated.

    •The door should be self-closing. While it may be inconvenient, especially while carrying groceries into the house from the car, doors should be self-closing. You never know when a fire will happen, and it would be unfortunate to accidentally leave the door open while a fire is starting in the garage.

    •Check the joints and open spaces around the door. Are they tightly sealed? Any openings at all can allow dangerous fumes, such as carbon monoxide or gasoline vapor, to enter the living area. An InterNACHI inspector can recommend ways to seal the door so that fumes cannot enter the living area.

    Concerning items placed on the floor, you should check for the following:

    •Store your flammable liquids in clearly labeled, self-closing containers, and only in small amounts. Keep them away from heaters, appliances, pilot lights and other sources of heat or flame.

    •Never store propane tanks indoors. If they catch fire, they can explode. Propane tanks are sturdy enough to be stored outdoors.

    In summary, there are plenty of things that you can do to prevent garage fires from spreading to the rest of the house, or to keep them from starting in the first place. However, it is highly recommended that you have your garage periodically examined by a licensed home inspector.

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

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  • The following items are essential tools but this list is by no means exhaustive. Feel free to ask an your Advantage inspector during your next inspection about other tools that you might find useful.
     
    1.  Plunger
    A clogged sink or toilet is one of the most disturbing problems that you will face. With a plunger on hand, however, you can usually remedy these troubling plumbing issues relatively quickly. It is best to have two plungers — one for the sink and one for the toilet.

     

    2.  Combination Wrench Set

    One end of a combination wrench set is open and the other end is a closed loop. Nuts and bolts are manufactured in standard and metric sizes and because both varieties are widely used, so you’ll need both sets of wrenches. For the most control and leverage, always pull the wrench toward you, instead of pushing on it. Also, avoid over-tightening.

    3.  Slip-Joint Pliers

    Use slip-joint pliers to grab hold of a nail, a nut, a bolt, and much more. These types of pliers are versatile because of the jaws, which feature both flat and curved areas for gripping many types of objects. There is also a built-in slip-joint, which allows the user to quickly adjust the jaw size to suit most tasks.

    4.  Adjustable WrenchCaulking gun

    Adjustable wrenches are somewhat awkward to use and can damage a bolt or nut if they are not handled properly. However, adjustable wrenches are ideal for situations where you need two wrenches of the same size. Screw the jaws all the way closed to avoid damaging the bolt or nut.

    5.  Caulking Gun
    Caulking is the process of sealing up cracks and gaps in various structures and certain types of piping. Caulking can provide noise mitigation and thermal insulation, and control water penetration. Caulk should be applied only to areas that are clean and dry.
     
    6.  Flashlight
    None of the tools in this list is of any use if you cannot visually inspect the situation. The problem, and solution, are apparent only with a good flashlight. A traditional two-battery flashlight is usually sufficient, as larger flashlights may be too unwieldy.
     
    7.  Tape Measure
    Measuring house projects requires a tape measure, not a ruler or a yardstick. Tape measures come in many lengths, although 25 feet is best.  Measure everything at least twice to ensure accuracy. 
     

    8.  Hacksaw
    These are great for cutting metal objects such as pipes, bolts and brackets. Torpedo levelHacksaws look thin and flimsy, but they’ll easily cut through even the hardest of metals. Blades are replaceable, so focus your purchase on a quality hacksaw frame.
     
    9. Torpedo Level
    Only a level can be used to determine if something, such as a shelf, appliance or picture, is correctly oriented. The torpedo-style level is unique because it not only shows when an object is perfectly horizontal or vertical, but it also has a gauge that shows when an object is at a 45-degree angle. The bubble in viewfinder must be exactly in the middle, not merely close.

    10.  Safety Glasses / Goggles
    For all tasks involving a hammer or a power tool, you should always wear safety glasses or goggles. They should also be worn while you mix chemicals.

    11.  Claw Hammer
    A good hammer is one of the most important tools you can own.  Use it to drive and remove nails, to pry wood loose from the house, and in combination with other tools. They come in a variety of sizes, although a 16-ounce hammer is the best all-purpose choice.

    12.  Screwdriver Set
    It is best to have four screwdrivers: a small and large version of both a flat-head and a Phillips- head screwdriver. Electrical screwdrivers areWire cutter sometimes convenient, but they’re no substitute.  Manual screwdrivers can reach into more places and they are less likely to damage the screw. 

    13.  Wire Cutters
    Wire cutters are pliers designed to cut wires and small nails. The “side-cutting” (unlike the stronger “end-cutting” style) style is handy, but not strong enough to cut small nails.

    14.  Respirator / Safety Mask
    While paints and other coatings have become less toxic (and lead-free) over time, most still contain dangerous chemicals, which is why you should wear a mask to avoid accidentally getting them in your lungs. A mask should also be worn when working in dusty or dirty environments. Disposable masks usually come in packs of 10 and should be thrown away after use. Full and half-face respirators can be used to prevent the inhalation of very fine particles that ordinary facemasks will not not stop. 

    15.  Duct Tape
    This tape is extremely strong and adaptable. Originally, it was widely used to make temporary repairs to many types of military equipment. Today, it’s one of the key items specified for home emergency kits because it is water-resistant and extremely sticky.
     
    In summary, the above is a list of tools that every homeowner should have. 

    Dave Park
    Advantage Home Inspection Raleigh
    Davepark@advantageinspection.com

    Advantage Home Inspection Raleigh. . . performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 20 years, Advantage Home Inspection has been the deciding factor for the people we serve: Buyers, Sellers, Real Estate Agents and Home Inspectors.

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  • Today what can you get for $500?  A set of 4 tires, a 42″ flat screen TV, maid service for 2 months or a home inspection.  Yes a home inspection for those who are in the market may be the best money you will ever spend, writes Roger Taylor, Business Columnist for the Chronicle Herald.

    In an interview with Henry Blumenthal, a vice-president and chief underwriter for TD Insurance, Mr. Blumenthal said, “Everyone knows spring is prime time for the real estate sector. But before you buy, every potential purchaser should take a few basic steps to protect themselves from making a poor investment decision.”

    "DIYWhile most would-be homebuyers have enough sense to hire a home inspector to identify construction flaws before the deal is completed, Blumenthal says, there are still a surprising number of people who try to avoid spending an average of $500 on a professional inspection.

    Based on what comes back from the inspection, take a few minutes to call your insurance company and find out if there are any issues or potential issues (found in) that inspection because you never know.

    If the house has been damaged by water, for example, and if you’re not sure it has been fixed, you may want to opt for special insurance coverage, he says.

    Mr. Taylor writes that just because the inspector has identified areas of concern, it doesn’t necessarily mean it will be enough to scuttle the deal. The inspection usually tips off the homebuyer to potential issues, and that could lead to a price adjustment. In rare cases, the inspection could identify issues that may result in the homeowner not being able to get insurance because the property has a dramatic flaw.

    Well you may be a High Def kind of guy, a weekend warrior or  a tire kicker, but for “Peace of Mind” on one of the biggest investments of your lifetime the $500 you spend on a home inspection might just be the best money you will ever spend!

    Advantage Home Inspection. . .  performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area.
     

    Dave Park 

    Advantage Home Inspection Raleigh
    more than just an inspection company!”
    www.adrdu.com

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  • If you  missed taking advantage of the first-time buyer tax credit but are still planning the purchase of their first home, you continue to have a wealth of opportunities in today’s home marketplace. Here are a few smart steps that can save first-time buyers thousands of dollars:

    1. Double-Double  (Look twice at your credit)
    Your credit must be a clean as possible, since you probably will need to get a mortgage to buy a house.  Go ahead now acquire copies of your credit report. Make sure the facts are correct, and fix any problems you discover on each report.

    2. Short Timers this is not your time!
    If you can’t commit to remaining in your new home for at least a 3 to 4 years, then owning is probably not for you, at least not yet. The transaction costs of buying and selling a home may be financed into the home, but  you may end up losing money (the bottom line) if you sell any sooner – even in a rising market.

    3. Survey Says “points and rate” – hire a professional mortgage company
    When picking a mortgage, you usually have the option of paying additional points- a portion of the interest that you pay at closing- in exchange for a lower interest rate.  Your mortgage professional should help you out here.   If you stay in the house for a long time- say three to five years or more- it’s usually a better deal to take the points. The lower interest rate will save you more in the long run.  Make sure this is all spelled out on a spread sheet.

    4. There is not a home “Lemon Law” – Hire a home inspector
    A home inspector can let you know if you’re about to buy a “dud” of a house or warn you about potential problems.  At best, you can move into the house confident and with a peace of mind that the home is in great condition.  If the report indicates the worst,  the inspector’s report can let you terminate the deal.  Typically, the home inspection report is used to negotiate the home price to account for necessary repairs that the seller is usually unaware of.

    5. Get professional real estate help – Research your agent.
    Inside the world wide web, the Internet gives buyers unprecedented access to home listings.  Look all you want, but when it’s time to by hire an exclusive buyer agent.  They will have your interests at heart and can help you with strategies during the buy to closing process.

    6.  Make it a Win-Win. 
    Take this one to heart your purchase should be a win-win for you and the seller.  You do not need the stress that comes from running with the Hatfield’s and McCoy’s.  You do not need to live with the sellers problems.  Yes it may look like a great deal, but it may come with some emotional baggage.  Going to the closing table with a win-win seller makes for a great closing.

    7. Double Jeopardy – A contract is a contract!
    Buying a home is one of the largest purchases most people will make in their lifetime.  Avoid buyer’s remorse by being completely comfortable before signing on the dotted line.  Take your time.  Be patient as the right home will be there for you.  And when you see it, make the move.

    8.  A Penny Saved is a Penny Earned – Buy a Home Warranty  
    A home warranty is designed to bring you “Peace of Mind.”  A home warranty is risk management providing coverage on the primary structure, major systems and appliances.  There are a number of firms that offer coverage.  Compare, research and buy.  Make sure you read the fine print and understand the process.  A home warranty can save your budget for pennies a day.

    Advantage Inspection Raleigh

    . . .  performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area.
     

    Dave Park 

    Advantage Home Inspection Raleigh
    more than just an inspection company!”
    www.adrdu.com

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  • Thomas Paine

    Common Sense is a pamphlet written by Thomas Paine. It was first published anonymously on January 10, 1776, during the American Revolution. Common Sense, signed “Written by an Englishman”, became an immediate success.

    Paine wrote and reasoned in a style that common people understood; forgoing the philosophy and Latin references used by Enlightenment era writers, Paine structured Common Sense like a sermon and relied on Biblical references to make his case to the people.   Historian Gordon S. Wood described Common Sense as, “the most incendiary and popular pamphlet of the entire revolutionary era”

    One of the major concerns in the world today is depletion of energy. As concerned citizens all of us must make a concerted effort to be conscious citizens and save electricity. Electricity has become integral to life but imagine having to live without power.

    Conservation of electricity benefits you personally as you will pay lower bills.

    Consider these “Paine-fully” Simple Common Sense Tips:

    1.            Doing an energy audit. This will tell you how and when you use energy and where the wastage lies. You will be able to make an “energy savings plan” by pinpointing exactly how you can cut back on energy consumption. Some ideas may be as simple as don’t leave the coffee machine on at all times.

    2.            Think about resetting the thermostat ten degrees lower during the night. If you can do this for say approximately eight hours a day you will save 10% on electricity without sacrificing comfort. Insulate the home in winter by drawing shut the drapes.

    3.            Check all insulation in the house. If you increase attic insulation to around 12 inches the electricity consumption will reduce by 20 percent.

    4.            Plant more trees around the house these will cool the house in summer and insulate the house in winter. Studies show that a green cover benefits in many ways.

    5.            Have all electricity wires and outlets checked for leakage. Check all fuses and appliances.

    6.            Fluorescent light bulbs are energy efficient. They use 75% less energy than ordinary light bulbs. These have a longer life and contribute to great savings.

    7.            Use energy efficient appliances. These use less energy and believe it or not a high efficiency refrigerator uses less electricity than a light bulb.

    8.            When you are away even for a few hours or days you should turn off and unplug   all electrical appliances and turn settings on the thermostat, water heater, and refrigerator to   the lowest setting.

    9.            Ensure that you use a water-saving shower head. Water heating costs for a family can be lowered by at least US$ 250 a year.

    10.          Weatherize your home. This helps reduce heating bills by 20% and cooling by at least 10 percent. Even when building a home or decorating it use weather friendly materials—those that are not good conductors of heat and cold. Install windows and glass panes in the roof in such away that you use sunlight to light up the rooms during day light hours. Make an effort to switch off lights and fans when leaving a room. Ensure that the filters in air conditioners and heaters are always cleaned and free of clog and dust.

    Common Sense

    If you live an energy efficient lifestyle you will see the numbers on the energy bill actually reducing. The power to cut energy costs is well within your control. It is as simple as only washing full loads and that to in cold water. Use the hot wash option only for very dirty clothes.  Cook food only just before you are ready to eat that way you can save reheating costs as well as refrigerating costs of storing the food. Turn the thermostat of the refrigerator to minimum in cold or cool weather. Switch off freezers if they are not in use. Small contributions can all add up to significant amounts of power saved. And, power saved means money in the bank.

    Advantage Inspection Raleigh

    . . .  performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area.
     

    Dave Park 

    Advantage Home Inspection Raleigh
    more than just an inspection company!”
    www.adrdu.com

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  • This is Advantage Home Inspections first ad that was designed right here in Raleigh. 

    The campaign for 2010 is “You Have a Choice!”
    The slogan is “Experience the Power of a Good Decision.”

    The ad ties in today’s complex time with teamwork and
    ends with competing on service instead of price.

    Advantage Home Inspection Raleigh

    . . .  performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area.
     

    Dave Park 

    Advantage Home Inspection Raleigh
    more than just an inspection company!”
    www.adrdu.com

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