7 home repairs you can’t ignore
Homeowner procrastination can ruin a house. Don’t let water, pests, faulty wiring, dirty chimneys or old appliances get the upper hand.
Owning a house is expensive, which is why so many homeowners procrastinate on repairs. Real-estate agents have a euphemism for this condition: It’s called “deferred maintenance.”Some fixes, however, should never be delayed. Ignoring these problems can result in much more expensive repairs later on -- or even injury and death.Here’s what home inspectors around the country say you should be on the lookout for:
A water leak -- anywhereA stain on your ceiling. A toilet that rocks. White powdery stuff that grows on your bricks or foundation. A musty smell in your house. Whatever the source, the culprit is water, and the damage can be severe.
“Water is probably the single most destructive force to a house,” said inspector Jeff Del Guercio, owner of An Objective Inspection in Throop, Pa., and president of the local National Association of Home Inspectors chapter. “And a leak can go on for a long time without being noticed.”
Left unchecked, leaks can lead to rot, dry rot, mold and termite infestations. Water can cause roofs to collapse, foundations to buckle and all manner of expensive repairs. What’s more, water-related problems can get your home blackballed by insurance companies worried about the soaring number of mold-related claims nationwide.
The fix: Isn’t it obvious? Stop the leak by any means necessary, repair the damage and take the required steps to make sure the problem doesn’t reappear. Minor roof leaks, for example, can be patched with roof cement, but if your roof is aged and failing, you may need to have it replaced. That’s expensive, but not as bad as replacing the trusses and underlying roof structure that can rot away if not protected.
Flickering lightsDo your lights dim when the fridge switches on or you crank up the microwave? You may have bad wiring or too many appliances hooked to one circuit. Either one can cause a fire.“A lot of older homes have only one or two circuits in the kitchen,” said inspector Jason Farrier of Elite Home Inspections in Phoenix. “People will update the kitchen but still have all the appliances running off those two circuits.”It’s far safer, Farrier said, to have at least four circuits: two for countertop appliances, one to run the dishwasher and garbage disposal and another, dedicated line for the microwave.Flickering lights also can be a sign of failing connections in aluminum wiring, a feature in homes built between 1965 and 1973.The fix: You can try to distribute power-hungry appliances more evenly, by not running more than one at a time or by plugging some into another circuit. But the best fix is a cure: Get an electrician to upgrade your wiring, add more circuits, or both.If you have aluminum wiring but can’t afford to upgrade, the U.S. Consumer Product Safety Commission recommends making your wiring safer by using special crimp connectors rather than the usual twist-on style. For more information, see visit the commission’s Web site (link at left under Related Sites) or consult a professional electrician.Rodent incursionsIf you hear the pitter patter of little rodent feet, don’t turn up the stereo to drown them out. It’s not just that rodents can carry disease and make a mess nesting in the tax records you’ve stored in the attic. Rats, mice and other vermin love to chew through insulation and wiring, Del Guercio said, and are suspects in many house fires.The fix: Use traps and bait products or call in an exterminator. Mice droppings can carry the deadly Hantavirus, and rodents themselves can carry everything from salmonella to the plague, so professional help might be the wisest course.Soaring fuel billsIf you’re paying a lot more for gas or oil and there hasn’t been a rate hike recently, Del Guercio said, the culprit could be problems with your furnace. This is more than a pocketbook issue, since poorly functioning systems can cause deadly carbon monoxide buildup in your home. The Consumer Product Safety Commission estimates about 200 people die annually from carbon monoxide exposure in the home, typically from malfunctioning heating systems.The fix: Have your furnace professionally cleaned and inspected annually, including the flue. The cost is usually less than $100. Install UL-approved carbon monoxide detectors, which cost $25 to $50 each.Peeling paintPaint is like a home’s skin. It’s the first line of defense against incursions by water and pests. Water that seeps into wood can lead to rot. At the other extreme, unpainted wood can quickly get too dry and crack.The fix: Scrape off the old paint, sand the surface smooth and apply a coat or two of fresh color. (Be cautious in homes built before 1978, since many still have lead paint. Dust and chips from such paint can cause irreversible brain damage in children and nerve damage in adults. Consider hiring professionals to test your home and remove any lead paint. Your local or state health department should be able to provide referrals to testing labs and contractors.)
Smoky chimneyHere’s another way neglect can kill your family, since chimneys that aren’t properly cleaned and maintained can catch fire. Creosote, a by-product of wood burning, can build up in the flue and ignite unless removed, said inspector Hy Naiditch of Accuspect Home Inspection Services in Chicago.The fix: Get your chimney swept and inspected annually; the cost is about $100. (You can find certified chimney sweeps via the Chimney Safety Institute of America, link at left under Related Sites.) Use only seasoned wood, and build small, hot fires, rather than big smoky ones. Never burn trash, cardboard or wrapping paper in your fireplace.Dirty, or missing, air conditioner filterThis is something Claude McGavic of Inspection Associates in Bradenton, Fla., sees way too often. Overloaded or missing filters allow dirt and dust to settle on the air conditioner’s coils. Warm air passing over the coils causes condensation. What you get is mud -- and a perfect medium for mold to grow and be blown all over the house.Enough gunk can block air from getting into the system, McGavic said, causing it to catch fire. McGavic, president of the Home Inspectors Association of Florida, says many air conditioner failures can be traced to this simple lack of maintenanceThe fix: Replace the filter once a month while the air conditioner is in use. Get your system checked annually.Here are some other safety fixes you should consider:Ground-fault circuit interrupters: These electrical outlets, with their distinctive red and black buttons, are designed to prevent deadly shocks. Outlets in bathrooms and those in kitchens within six feet of the sink should be replaced with GFCI outlets, said Naiditch, president of National Association of Home Inspectors Illinois chapter. “They’re the best $7 you’ll ever spend,” Naiditch said. “They’re a lifesaver.” The exception: Don’t put a refrigerator on a GFCI, Naiditch said. A fridge’s normal on-and-off surges can trip the interrupter and leave you with an icebox full of rotting groceries.Flexible gas connectors: Gas appliances installed more than 10 years ago may still have dangerous brass connectors that can fail, according to the safety commission, leading to fires or explosions. These should be replaced with an approved connector, typically stainless steel, Naiditch said. But don’t move the appliance to inspect, since even a slight motion can cause the weak soldered connection to break. Have a professional appliance repairperson check and make any changes.Garage door openers: Yours should have an electric eye that looks for obstructions and an automatic reverse mechanism to prevent someone from getting squashed.Dryer vents: The lowly clothes dryer causes more than 15,000 fires every year, often caused by lint buildup in the duct that vents to the outside. Clean the ducts regularly and replace plastic ducts with metal versions.I HOPE THIS IS HELPFUL INFORMATION.
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..I PLEDGE ALLEGIANCE TO THE FLAG, OF THE UNITED STATES OF AMERICA,
AND TO THE REPUBLIC, FOR WHICH IT STANDS,
INDIVISIBLE, WITH LIBERTY
HELP FOR HOMEOWNERS
Homeowners are facing the biggest crisis in years. Home values have fallen drastically.
More and more homeowners are struggling to make their payments. So, wise homeowners are seeking help.
But you may run into a wall with your mortgage lender. You may not be able to refinance if your home's value has declined.
There is a possible solution. The government has set up a program to help homeowners. You may be able to refinance your house. Or, you may be able to modify your loan terms.
There's only one way to find out: Visit today's Cool Site. Find out if you're eligible
http://www.makinghomeaffordable.gov/
Please share this if you know someone that needs help.
Thanks, Evelyn
Have a relative or friend that is a first time home buyer ??
$8,000 Tax Credit Can Be Used For Down Payment.
When Is It Time To Replace Your Roof? Red flags that signal it's time to replace your roof may be over your head. Sunlight permitting holes and bucket brigade-sized leaks are obvious signs it's time for a new topper for your home. There are however, additional indicators that may not be so obvious. "Certainly if your roof is approaching the end of its life cycle usually 20–25 years for asphalt shingle. it's time to think about a new roof. The National Association of Homebuilders says decorative slate, metal, masonry and newer synthetic roofs can have a life expectancy of 50 years or more. "However, a calendar shouldn't be the only way you determine if it's time to replace your roof. Think about replacing your roof when: • Your neighbors have new roofs and you want to maintain the value of your home. Also, given most homes in a neighborhood were built at the same time, your roof may reach the end of it's lifecycle at the time your neighbors' roofs are failing. • Your neighbors have not added a new roof and you want to increase the resale value of your home. Hanley Wood's Cost vs. Value 2008-2009 report says a new roof can return an average 65.5 percent of the cost in the form of value added to the home. On a $18,825 roof, that's $12,336 added to the value of your home. That adds up to greater salability. • Your geographic area has seen an increase in severe weather conditions, (including hurricanes, hail or tornados) that require a stronger roofing material to handle the dramatic weather changes. "With the changing weather patterns in our country, combined with the need for homeowners to add value to their properties, consumers should be vigilant about looking for signs of wear along with upgrading their roofs. • Your existing roof is functional, but has staining that detracts from the look of your home. In a housing market laden with poorly-maintained foreclosed homes, it's a good idea to make yours standout from the eyesores. • You want to shrink your carbon footprint and take advantage of more sustainable www.green roofing alternatives that are low maintenance and energy saving and can come with 50-year warranties.
Please cut & paste the underlined links into your internet browser.
An Unbelievable $75,000
Fast Facts
February is the second month of the year in the Julian and Gregorian calendars.
It is the shortest month and the only month with fewer than 30 days.
February was named after the Latin term februum, (purification), via the purification ritual February held on February 15 in the old Roman calendar.
Those stars and colors you see when you rub your eyes are called phosphenes.
Months that begin on a Sunday will always have a "Friday the 13th."
The average wooden lead pencil will draw a line 35 miles long or write approximately 50,000 English words.
NEWS
In a January 29, 2009 article CNNMoney.com's Les Christie says "If you're thinking of buying a home, there could be a big bonus for you in the economic stimulus bill that's now before Congress. Among its many provisions is a $7,500 tax credit for first time home buyers. The House passed the $819 billion stimulus plan, including this tax credit." At press time the Senate had not yet considered the Bill, but will soon
To be eligible, buyers cannot have owned a home for the past three years, and the new home has to be used as a primary residence. The credit phases out as income rises above $75,000 for singles and $150,000 for couples, and disappears entirely at $95,000 and $170,000, respectively.
Applying for it is easy, or at least as easy as doing your income taxes. Just claim it on your return. That's it. No other forms or papers have to be filed.
Washer/Dryer Maintenance
Household washers and dryers are often taken for granted. A little maintenance goes a long way. Check washer water fill hoses for cracks or blisters, which can signal a coming failure or cause corroded fittings or leaks. Generally, you should replace washer fill hoses about every four years. You might wish to try stainless steel fill hoses which are more durable and reliable and, ultimately, can pay for themselves as well as provide more peace of mind. A leading cause of dryer failures is lint buildup. It can cause significantly increased drying times (and costs). Lint buildup is also responsible for thousands of house fires each year. Use a dryer vent brush (available online or at most hardware stores) to remove lint build up in the vent that leads outside.Do you know anyone looking to buy a home for personal dwelling or for a investment? Now is the time with prices and interest rates at a record breaking low.
Remember to make every day a paradise.
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In the darkest part of the year for folks up north, when it´s tempting to try hibernating through the next couple months. If you can get a plan in place now though, you can get a jump on spring. The following home maintenance checklist provides a "to do" list for January, a list of seasonal sales, and a small kit to organize those items that you always seem to have to rummage for when decorating for Christmas next year.
For us folks that live in sunny Florida it is now Spring. Time jump!
After the work and mania that accompanies the holiday season, January provides an opportunity to regroup and reorganize.
Post-holiday sales for cards, wrap, decorations
White sales for bedding and linens
Sports and weight-loss equipment
Computers
Winter clothing and accessories
Organizers, storage containers, shelving
Use small containers to organize:
The real estate market is slowly getting back to normal. I've been extremely busy. Sales have been close to list price. This is a great time to buy. Interest rates are at five percent for a fixed rate mortgage.
Thanks for reading. Evelyn Murray
Have you been thinking of buying or refinancing?
Dec. 5, 2008 – Rates on 30-year mortgages plunged this week to the lowest level since January after the government launched a sweeping new effort to aid the U.S. housing market.Mortgage finance giant Freddie Mac reported Thursday that average rates on 30-year fixed-rate mortgages dropped to 5.53 percent in the largest one-week drop in 27 years. That was down from 5.97 percent last week, and the lowest since the week of Jan. 24, when it was at 5.48 percent.The Fed’s move caused rates to immediately drop by about a half-point, and many in the real estate industry hope rates will keep dropping as the government increases efforts to battle the credit crisis
To make sure it would be a savings for you to refinancing.
Call me for more details. 321-302-3445 / 772-664-3309
"PET RULES" (To be posted VERY LOW on the refrigerator door - nose height.)Dear Dogs and Cats, The dishes with the paw print are yours and contain your food. The other dishes are mine and contain my food. Please note, placing a paw print in the middle of my plate and food does not stake a claim for it becoming your food and dish, nor do I find that aesthetically pleasing in the slightest. The stairway was not designed by NASCAR and is not a racetrack. Beating me to the bottom is not the object. Tripping me doesn't help because I fall faster than you can run. I cannot buy anything bigger than a king sized bed. I am very sorry about this inconvenience. Do not think I will continue sleeping on the couch to ensure your comfort. Dogs and cats can actually curl up in a ball when they sleep. It is not necessary to sleep perpendicular to each other stretched out to the fullest extent possible. I also know that sticking tails straight out and having tongues hanging out the other end to maximize space is nothing but sarcasm. For the last time, there is not a secret exit from the bathroom. If by some miracle I beat you there and manage to get the door shut, it is not necessary to claw, whine, meow, try to turn the knob or get your paw under the door and try to pull the door open. I must exit through the same door I entered. Also, I have been using the bathroom for years --canine or feline attendance is not required. The proper order is kiss me, then go smell the other dog or cat's butt. I cannot stress this enough! To pacify you, my dear pets, I have posted the following message on our front door: To All Non-Pet Owners Who Visit & Like to Complain About Our Pets: 1. They live here. You don't. 2. If you don't want their hair on your clothes, stay off the furniture. (That's why they call it "fur"niture.) 3. I like my pets a lot better than I like most people. 4. To you, it's an animal. To me, he/she is an adopted son/daughter who is short, hairy, walks on all fours and doesn't speak clearly. Remember: Dogs and cats are better than kids because they: A. Eat less B. Don't ask for money all the time C. Are easier to train D. Normally come when called E. Never ask to drive the car F. Don't hang out with drug-using friends G. Don't smoke or drink H. Don't have to buy the latest fashions I. Don't want to wear your clothes J. Don't need a gazillion dollars for college, and... K. If they get pregnant, you can sell their children.
We all know the sadness experienced when a lost pet can not be reunited with it's family. The devastations during the recent tornadoes, forest fires, floods and hurricanes have taught us many lesson. Planning ahead may prevent a pet from becoming injured or lost. Below is a list of suggestions to help you keep your pet safe.
Please forward this to someone with a pet if you don't have one.
1. If evacuating never leave your pet home alone or outdoors. The safest place is with you. After a storm you may not be allowed back to your home for days. Pets die from starvation and in being left in overheated homes.
2. If you are ordered out of your home due to an evacuation order. Do you have family or friends that will welcome your pet? Some hotels and shelters do accept crated pets. Check on this before hand if possible.
3. Have a safe crate for each pet. Make the crate a fun place throughout the year.
4. Prepare a travel kit for your pet. Include food, water, bedding. medical supplies, vaccination history, leashes and toys.
5. Place several forms of identification on your pet as tags on their collar. Pet may become lost during travel. Many Humane Societies offer free pet tags with an emergency number monitored 24 hours a day.
6. Always carry a pet photo when traveling in case your pet becomes lost. Having the photo of yourself with your pet may help settle ownership disputes.
7. Immediately Notify the Human Society and Police of your lost pet. Keep checking back with them.
Print these suggestions and keep in your emergency kit.
Miss Hollywood.JPG My gal Suzie
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