Roofing Cost Category

How to Recoup your Investment On a Fixer-upper Home

Wednesday, February 23rd, 2011

Greg has lived in the suburbs for 5 years. During this time, the family has moved 3 times with the home being much larger than the previous one.

Some friends think he won the lottery. Others speculate there was a huge inheritance from a wealthy relative. When Greg was asked how this was possible, the answer was simple, buy and sell.

The first home Greg purchased was a 3 bedroom house. It was built some time in the 40’s and the owners wanted to move into a retirement home. Given the price was reasonable, the deal was made.

When the real estate market in that area went up, Greg sold the home and bought a larger one for almost the same price as the old home a few years before. This has helped Greg finally get a two story home that was very near work and the school for the kids.

So, how does one recoup an investment on a fixer upper home? The first step will be to make some repairs. The plumbing, ventilation and roofing will need some work given the wear and tear throughout the years.

The next will be to renovate. The house may not have a playground in the backyard or the garden in front may need some improvement. These retouches which are small will pay off in the long term since it gives life to the home.

Repairs and renovations cost money. You should keep track of them so that when it is time to sell the home, you will know how much to sell it for.

The real estate market goes up and down. You can keep track of this by reading the newspaper and if the opportunity is right, perhaps it will be a good idea to consider selling.

You can advertise it in the classified ads of the newspaper, put a sign in front for passerby’s to see or sell through a real estate agent. If a buyer agrees and is willing to pay the price, you should close the deal.

Recouping the investment is easy. You should take into consideration how much was spent in buying the home, the cost for repairs and renovations and a few extra dollars to be able to make some profit.

You should remember to purchase a new home before deciding to accept an offer from another buyer. This will give you time to move in and tie up any lose ends.

Caroline Miller
http://www.articlesbase.com/business-articles/how-to-recoup-your-investment-on-a-fixerupper-home-68788.html

Breaking the Poverty Cycle in Africa-the Case of Infrastructure Investment

Monday, February 21st, 2011

Infrastructure investment and democracy as a form of government in Africa is the only solution to Africa’s underdevelopment and impoverishment. The continent is lagging behind all the continents in the world in terms of economic and social development. All the countries making up the African continent have similar economic problems namely unemployment, higher deficits, poor state of economic and social infrastructures including roads, harbours, education, airports, telecommunication, health and sanitation.

Centuries of slavery and colonialism deprived the continent of her able human and economic resources. Where as the able men and women were carried away to work in the plantations of the Americas (in all about 30 – 40 million), the natural resources where looted by the European countries namely Belgium, Britain, France, Germany, Portugal, Spain and Italy. After slavery was abolished the looting of the natural resources continued. The irony is that virtually all the income from these resources was used to finance the economic and the infrastructural development of the European countries with little or nothing used to develop the various countries where these resources came from. A clear example is the case of Democratic Republic of Congo where King Leopold II of Belgium enslaved the Africans, forced them to work without pay, killed about 10 million and looted the country of her resources and virtually nothing was used to invest in the country except guns which the Belgium army used to kill the Africans. When the DRC was transferred from Leopold II to the Belgium state the looting and killing continued till DRC gained her independence in the 1960s. In fact DRC (Congo Free State) was the main supplier of rubber a vital raw material for the tyre industry and all the money from the sale of the rubber went to Belgium. King Leopold II was able to transform Belgium as one of the poorest countries in Europe into one of the wealthiest courtesy the enslavement and looting of Africans and their resources.

Belgium was not alone in what they did to the continent. Britain, France, Spain, Portugal, Germany and Italy all looted Africa of her gold, diamond, ivory, timber, cobalt, and all the minerals you can think of. The Africans who resisted the illegal activities were killed in their millions as happened in South West Africa (now Namibia) where the Germans in 1904 to 1907 committed the first genocide of the 20th Century by killing the Herero and the Namaqua people. While Europe became richer Africa became poorer and the trend continued till the 1950s when the African countries started to gain their ‘independence’beginning with Libya in 1951, Sudan, Morocco, Tunisia all in 1956 and Ghana in 1957.

With little or no investment in the continent the various post colonial governments inherited countries with practically no infrastructure: roads, rails, harbours, telecommunications, education, health and sanitation and airports. The only areas which saw some few infrastructure investments during the colonial days were those where raw materials were heavily extracted. The attainment of independence did not come on silver Plata. Algeria, Zimbabwe, Angola, Kenya, Namibia and to some extent South Africa all attained their independence from their colonial masters through arm struggles and in most cases the few infrastructures that existed were destroyed due to the conflict.

As if slavery, colonialism and the looting of the continent’s resources were not enough the continent became a battle ground during the Cold War as the two super powers and their allies battled for influence and control on the continent mainly for her resources. As a result many African governments who were deem to be pro-Russia or America were overthrown using the military. A case in point was the overthrow of Dr. Kwame Nkrumah of Ghana on February 24th ,1966.Another example is the overthrow and assassination of  Patrice Lumumba of Congo on January 17th 1961.Other leaders such as Nelson Mandela were imprisoned for either advocating for independence or improvement of conditions of Africans.  CIA and the western intelligence community have been implicated for engineering the assassinations and overthrow of elected leaders of Africa. For example Larry Devlin, the CIA Station Chief in Congo during Patrice Lumumba’s  days spoke to Washington Post in December 2008 saying he refused an order to assassinate Patrice Lumumba but his refusal did not stop the CIA and the Belgium government from overthrowing and assassinating him. The assassination attempt on Gamal Nasser of Egypt on 24th October 1954 and the assassination of President Anwar Sadat in 1981 were alleged to be the work of Britain M16 due to their refusal to hand over the administration of the Suez Canal the British.  The CIA, KGB and their allies encouraged and financed wars and political instabilities throughout the continent. Angola became the battle ground for the CIA, KGB and the Chinese as each tried to gain control over the country, her people and resources. The civil war that engulfed the country in 1975 only ended in 1991 after 26 years of conflict. When the war ended the few infrastructures that remained after the war of independence (1961-1974) were gone.

The product of these assassinations and coups were the political instabilities and the wanting destruction of lives and property including infrastructures that have bedevilled Africa till today. As the elected leaders of the continent were assassinated, overthrown and subjected to all forms of cold war tactics including bribery, arm twisting and blackmail the continent degenerated and faulted on all aspects of human endeavour. The new crop of leaders who replaced the post colonial independence leaders and who were largely puppets of the European and American governments became increasingly authoritarian and corrupt. Joseph Mobutu Seseseku who became the choice of the Americans after they help to assassinate Lumumba ruled Congo for 32 years and in those years the country became poorer as Mobutu and his cronies got richer and the western countries notably USA and her allies had free hand looting the mineral resources most importantly cobalt a very important mineral needed for missile development. Little infrastructure activities was carried out by Mobutu. As a result Congo today can only be accessed by boats and canoes mainly through the River Congo.

As tyrants and dictators gained the support of western governments and did whatever they wanted with their economies without questions their people became poorer and hopelessness and desperation were the hallmarks of their lives. As the little money that came into government coffers were taken by corrupt government officials and civil servants there were almost no money to carry out infrastructural development and the poverty deepened. Poverty, desperation and hopelessness visited the people and coupled with their inability to change their leaders democratically, dissents were sowed among the population which serve as breeding grounds for more coups, civil wars and civil disturbances. This was evidence in Ghana, Nigeria, Niger, Ivory Coast, The Gambia, Liberia, Mauritania, Algeria, Gabon, Togo, Cameroon, Equatorial Guinea, Guinea Bissau, Central Africa Republic, Chad, Sudan, Ethiopia, Uganda and Sierra Leone all experienced coups in the 1960s, 1970s, 1980s and even in the early 1990s. These waves of coups were followed by civil wars that hit Liberia, Sierra Leone, Ivory Coast, Congo, Chad, CAR, Somalia, Uganda, Sudan, Angola, Niger and Guinea. These wars apart from it human cost also contributed to the destruction of roads, harbours, airports, rail lines, telecommunications, hospitals, schools and many more. With the absence of infrastructures the countries have been unable to make any headway in terms of economic development. To reverse centuries of slavery and colonialism on one hand and decades of coups and civil wars on the other hand, governments should focus their attention on building the infrastructures on the continent.

This is because the state of infrastructures on the continent is nothing to write home about: the roads, harbours, telecommunications, health, education, market and airport are either none existence or are in a state to appalling to describe. We have neglected the few that have existed to decay yet we have forgotten that no continent or nation no matter the size of the natural resources that she has can develop without investing in infrastructure. That is why Democratic Republic of Congo has every mineral you can think of yet they are one of the poorest on the continent. That is why Malaysia, Korea, Taiwan, Singapore, Hong Kong have developed and that is why President Elect Obama  is talking about building US infrastructures because they are the engines that run the economy. You cannot export if you do not have harbours and airports to support it. You cannot attract tourists if you do not have airport, hotels and other infrastructure that support it. You cannot move goods from centres of production to centres of consumption if you do not have roads, rail lines and inland water infrastructure to deliver it. You cannot supply the industries with doctors, architects, bankers, lawyers, planners, engineers, teachers, nurses if you do not have the educational infrastructure to deliver it. And you cannot run an efficient and vibrant economy if you do not have the energy and telecommunication infrastructures in place. Africa has been experiencing serious disruptions in the energy sector for years and no government has seen any wisdom to solve. As a result factories are folding up and are laying off workers and we are waiting for nature to help fill our dams before we rectify the problem. Could these do nothing approaches to problem solving help our continent and nations to develop? What are we doing with the abundance of sunshine on the continent? We have not taken advantage of it, have we? We have sunshine 365 days and we have not tap into solar energy which is cheap and more reliable than hydro. It is another indication of the useless institutions that we have and lip service paid by the various political parties and their leaders to development. Look around yourselves and see if any of the goods you see are made in Africa. I mean the mobile phones, computers, televisions, cars and all the flashy things that Africans are crazing for. It is sad to note that almost all the raw materials needed to build these mobile phones, cars etc are obtained from countries on the continent.

To appreciate the importance of infrastructure as the bedrock of the continent’s development let us consider transportation infrastructure in a country for example. The development of every country is strongly dependent on a reliable transportation infrastructure system for internal transportation and for linking rural communities to market centres. The role of infrastructure to the economy of a nation cannot be overemphasized especially its effect on sustainable development, GDP growth, inflation, and poverty reduction. Efficient and effective provision of transportation infrastructure in a nation underlines all attempts to reduce poverty.

Transportation infrastructure plays essential role by unifying all sectors of the economy including agriculture, health, education, trade, industries, and services. It is therefore said that transportation is the life wire of the economy. Without transport infrastructure social and economic activities and development in general will stagnate. Transport infrastructure ensures that raw materials are brought to the factory, while industrial finished goods are also distributed to market centres and communities where they are mostly needed. Agriculture commodities such as food crops are made available to urban dwellers through roads, rails, airports and harbours. Transportation infrastructure also ensures that services produced elsewhere are available where they are needed and at appropriate time.

Transportation infrastructure again makes the administration of political entities such as districts, boroughs and regions easy because it provides access to social infrastructural facilities such as schools, clinics, hospitals, markets, security services, and administrative offices. Transportation infrastructure has a correlation in the improvement of the overall living standards of people living in both rural and urban communities. It improves the quality of life of the people and has added advantage of ensuring rapid growth and sustainable development and has a long run effect of alleviating poverty.

In areas where transportation infrastructure facilities are unavailable or have deteriorated in the   serious difficulties are encountered in the production, distribution and marketing of goods and services. Such situations also have negative implications for the patronage of goods and services produced as well as usage of such facilities such as clinics, hospitals, markets, and schools. This has a negative repercussion on the state and quality of life of the people affected by such situations as well as a down trodden effect on production and productivity levels in the areas where the transportation infrastructure condition is bad. It is a well recognized fact that transportation infrastructure and for that matter all infrastructure investments have correlations in development and hence the standard of living of the people.

 To move the continent away from its current predicament, public transportation infrastructure works should be carried out by all governments. Fast speed rail lines should be constructed to link the various parts of the continent. This will make the transport of bulky raw materials and goods easier. Roads should be constructed to make transportation less difficult.  River Nile which is the longest river in the world should be developed as a major internal water transportation network so that goods could be transported up and down the stream. The other major rivers such as the Limpopo, Zambezi, Congo, Niger all should be developed to make it possible for goods and people to move easily. Every effort should be made to develop the technology that will harness the solar energy potential of the Sahara Desert so as to make access to energy easily. 

Major harbours such as those in Durban, Cape Town, Lagos, Tema, Mombasa,  Port Said, Tunis, Tripoli and Benghazi should be developed be expanded if necessary and every effort should be made to remove every administration bottleneck and bureaucracy that will cripple trade and development. The airport infrastructure should be developed to make it easier for people to move with ease throughout the continent. The international airports in each country should be expanded if need be and should be equipped with modern technology to make less cumbersome for passengers to go through. Besides bureaucracies, administration bottlenecks, delays that inhibit easy flow of people should be eliminated. Therefore there should be a common immigration policy which is well streamlined to take care of the people. The benefit of transportation investment is enormous and therefore should be given a priority.

If we can benefit so much from transportation infrastructure then how about our education sector upon which the development of the continent and our nations rest? The education infrastructures on the continent and in our nations have not been developed. Have they? Look at the world ranking of Universities and see where the first university on the continent falls. Can we afford to develop the continent and our nations with low quality graduates not to mention the millions of illiterates and semi-literates that roam around the continent and in our countries? Of the about 9,760 Accredited universities in the World, less than 10 universities were able to make it the top 500 and even those that made it about 90% came from South Africa which is the most developed country on the continent (source: topuniversities.com). It is abundantly clear that our education system is not producing the architects, engineers, planners, bankers, lawyers, doctors, teachers, social workers, nurses and the scientists that we need in the 21st Century. That is why every major architectural and engineering activity on the continent is undertaken by foreigners and foreign companies especially from USA, Japan, China, India and Europe. And any continent and for that matter any nation that depends on foreign expertise for her survival is doom to fail in the long run.

The Universities lack well trained lecturers. They lack modern facilities such as state of the art libraries, laboratory simulation facilities, studios, computers, and books. They lack them because we cannot build them; we cannot build them because the curricula have not prepared our students to build them. As a result we have to import the equipments and books from countries that have done their home work well and have invested heavily in education notably in science and technology. In many of our universities, Polytechnics and secondary schools lecturers/teachers are still teaching students the same way the 19th century academic institutions taught forgetting that we are in the 21st century. The same notes given a final year student four years ago are still being given to first year students with no addition and subtraction.  Lecturers cannot write books for students because they do not have the resources to carry out research that form the basis of any academic material.

Whereas students in advanced countries get their hands on books immediately they are released those on the continent have to wait 4 years or even more to get the same books. What is more the academic facilities including libraries are in a state too appalling to describe. Not a single of our universities can boast of more than two million volumes of books in their libraries. Even the few books that they have are so old that information contained in them are useless. Very few books have been published by Africans. Due to this most students have to rely on the notes that lecturers give them. This is state of our universities and the little I say about our Polytechnics and secondary schools (High Schools) the better. Our research institutions have achieved very little because they are underfunded and the researchers do not have the expertise and the facilities to carry out any meaningful research. A case in point is Cocoa Research Institute of Ghana (CRIG) located at New Tafo in the Eastern Region of Ghana. Despite decades of its existence Ghana still exports raw cocoa beans for peanuts. No value has been added to the cocoa. CRIG has not been able to come up with other ways in which to use the beans to benefit Ghanaians despite the mounting evidence that the beans have several potential uses. In order to make Africa continent and the governments should make education a priority. They should as matter of urgency and of necessity invest in educational infrastructure.

In addition to these institutions of higher learning should be structured to produce engineers, doctors, lawyers, bankers, sociologists and all the various human resource needed for nation building. Exchange programmes should be established between the institutions and universities on the continent so that students on the continent could meet, interact and share ideas. Every effort should be used to raise the learning and quality of learning on the continent. Effort should be made to attract Africans in the Diaspora to come and share their expertise with their colleagues and contribute their knowledge towards the development of the continent.  Research institutions should be established across the continent and funding provided to them to come up with how the various natural resources on the continent could be used to benefit the people. With the right human resource capacity Africans could now embark on their journey of liberating her people from poverty

How about the state of the housing infrastructure? A visit to any village or town gives the same picture of poor housing and poor quality of public service. People are living in mud/thatched houses with bamboo or raffia leaf as roofing sheet with no electricity, potable water and clinics. They live in a subsistence environment without social security, health insurance and are condemned to poverty, desperation and hopelessness. Those living in urban areas are without jobs, without mortgage, and face high utility bills with poor service. They face constant barrage of water and energy disruptions everyday. In every country, region, district the situation is not different. On the other hand our MPs, ministers, vice presidents, the presidents and political leaders, their cronies and families live in total luxury with mansions, SUVs, bodyguards, fat salaries, fat bonuses, house servants and they have all the resources of the continent at their disposal. Yet they claim to be serving the people. How can it be? Governments should invite the private sector to take part in the delivery of housing. Land and other service infrastructure such water, electricity and waste management should be provided to make it less difficult for the private sector to join.

Look at the state of the agricultural sector. How many of our farmers have their own tractors and farming equipments to produce beyond the level of subsistence? Virtually none. Nearly all the important equipments needed to make the agric sector viable and productive have to be imported and how many of our farmers have their own resources to buy even the basic machinery to expand their farms? Although we are in the 21st Century yet our farming practices indicate that we have still not moved beyond the 19th century. This is the more reason why we continue to hunger even though rich soils abound in Africa. During the early part of the 2008 financial crisis violence broke out in Egypt, Sierra Leone and in many other countries on the continent. Why is this so? The answer is we have neglected the sector for quite too long. Farmers have no access to irrigation which can make farming all year round possible. They have to rely on nature for rain before they can start planting. They have no access to credits could help them to expand their farms. Yet Ethiopia for example could afford millions of dollars to buy military hardware while famine threatens to annihilate her people. She cannot afford tractors and irrigation equipments that could help put food on the table and bring back her people’s dignity. Lack of agricultural infrastructure has brought famine to millions on the continent. There are no silos for storage during bumper harvest. No roads to producing areas. We under utilise our land for lack of political commitment. We cannot develop our economies if we fail to invest in infrastructure.

Besides, trade among the countries should be encouraged at all levels. Africans must know that together they stand or fall and therefore the old politics of former colonial master first and neighbours second should be discouraged and stopped straightway.  This is the more reason why it is so important that these countries trade among themselves, develop their market, share their resources so that the lives of their citizens will improve. The continent should not be allowed to serve as the dumping ground for European manufactured goods. Import substitution industries should be adopted widely on the continent and trade should be encouraged at all levels. The era where raw materials with little added value are exported for peanuts should be given the boot. As the Americans used to say to the Japanese‘if Japan wants a share of the American market then their goods should be manufactured right here in America. The same yardstick should apply to any company or country that wants a share of the African raw material.

All national interests should give way to a common interest for the good of the people on the continent and the allegiance and influence of outside bodies should be treated as detraction. Africa and her people must be given a serious consideration in all matters of economic, social and political developments. The old philosophy of selling out the continent to international cartels and corporation should be given the boot. Africans should know that the Europeans, Americans and their Bretton Wood Institutions have no interest to see them develop at best they would rather that slavery and colonialism were back.

The above mentioned issues should be given a priority if Africa is to break away from the cycle of poverty which the people have endured for decades if not centuries.   

Hope that the 21st Century will be different for the continent. Hope that infrastructure building will be given a higher priority by the various African Union members.

Lord Aikins Adusei
http://www.articlesbase.com/education-articles/breaking-the-poverty-cycle-in-africathe-case-of-infrastructure-investment-706907.html

Solar Attic Fans

Saturday, February 19th, 2011

One of the more popular uses of solar power in the home is the solar attic fan.

As its name implies, a solar attic fan is powered and activated by sunlight. It is installed into the roof of the attic, with its panels facing the sky.

Why would one need a solar-powered attic fan?

Well, for that matter, what is the purpose of an attic fan?

Since heat rises, all of the heat in a home tends to rise up into the attic. If this heat has no easy outlet, it will simply get stuck up there. This causes the over-heating. When combined with a lack of proper ventilation, this leads to dampness, mildew, and the the like.

Furthermore, when the accumulated attic heat is not allowed to escape, the temperature of the entire home rises.

While there are some circumstances under which you want to warm up your home, there are other circumstances under which you would prefer to cool it down. A lack of sufficient ventilation in a hot attic can make matters difficult. Thus, an attic fan can play an important role in allowing you to control the temperature of your home.

Okay, now that we understand what the purpose of this fan is, why would we want it to be solar-powered?

The first answer is obvious – to use greener energy and to avoid using energy sources which damage the environment.

By using solar power for the fan, we can also save a bit of money on electricity.

But a more pragmatic reason for using a solar powered fan is the simple fact that it is basically “wireless.” You won’t have to worry about installing electrical wires and cables into your attic, in order to run your fan.

Solar-powered fans are relatively simple to install into one’s attic. But if you aren’t an enthusiastic DIYer ready to climb onto your roof with a knife and a hammer, you will probably want to get someone else to do it.

When installing a solar-powered fan into the roof, one has to actually cut a hole into the roof and install the fan in that spot. It’s smart to install it on the south facing side, which will receive more sun (unless you live in the Southern Hemisphere, in which case you would obviously install it on the north side). There is a certain degree of skill involved, as is normally the case when one considers the prospect of climbing up on the roof, removing shingles and roofing material, and cutting a hole through to the other side without damaging any rafters.

But overall the process does not take a long time, for someone who knows what they’re doing. The installation of the fan should be well worth the trouble in the long run, particularly if you live in a hot climate. It will run at virtually no running cost, while reducing the overall level of heat in your home. That reduces the costs involved with cooling your home (using less energy-efficient methods, such as air conditioning).

So, even if you don’t give a hoot about the environment, a solar attic fan might be a very worthwhile financial investment. Providing you do have an attic.

Anna
http://www.articlesbase.com/home-and-family-articles/solar-attic-fans-715918.html

Tips For Green Remodeling

Thursday, February 17th, 2011

Making the choice to “go green” when remodeling a home is a responsible thing to do. A green home is healthier, more comfortable and more cost effective to run. It uses less energy and water, and goes a long way to protect the environment.

Buildings consume nearly 40% of all the energy used worldwide and accounts for nearly 40% of the building material used. Remodeling gives us an opportunity to reduce the impact that buildings have on our environment.

Green practices must start from the day the decision is made to remodel. Listed are some areas to consider when choosing to “Go Green”.

1. Choose a remodeling company that s certified to be using green products and green technology.

2. Get an energy audit to get an understanding of what you will need for your project. Most energy companies offer these for free.

3. Take into consideration the location of the home, and how remodeling can take the best advantage of natural wind currents, the sun, shade and the existing landscaping.

4. Using native plants properly, adding shade trees, and adding rain sensors to sprinkling equipment will all save energy and water.

5. Choose building materials that are made of recycled material, or reuse lumber from the existing home. Consider the use of salvaged materials if available in you area.

6. Choose appliances that have an ENERGY STAR® rating can save you hundreds of dollars a year by reducing energy usage.
7. Get a highly efficient heating and cooling system.

8. Replace lighting with compact fluorescent bulbs (CFLS) to save as much as 75% of the energy used over conventional bulbs. Use of natural lighting and solar tubes helps even more.

9. Washing machines, dishwashers, faucets, toilets, and landscaping equipment that are energy efficient can also reduce your electric and water bills.

10. Avoid the use of carpeting which can harbor allergens mold and dust. Nontoxic carpet is available.

11. Use nontoxic paints and caulking.

12. Use recycled materials for cabinet’s countertops and floors. (cork, bamboo, spruce, eucalyptus, and wheatboard are common sustainable products). Take your old kitchen cabinets and install them in the garage or utility room.

13. Use solar (photovoltaic) panels for hot water heaters and power generation.

14. Use programmable thermostats and fans to lower air conditioning costs.

15. Install energy efficient windows and doors and be sure they are properly caulked.

16. Proper wall and attic insulation using green technology is a huge energy saving choice.

17. The use of locally manufactured products help eliminates the environmental impact that transportation adds to a product.

18. Choices made in roofing materials can help protect the environment and your pocketbook.

19. Before disposing of any building materials, be sure no one wants them. List them on Craigslist or FreeCycle chances are someone wants them.

20. Choose furniture that is made of recycled sustainable material.

The list of green options goes on and on. Making a list of available products and prioritizing them will help the homeowner make the best choices when deciding to remodel.

Becoming a knowledgeable consumer is the first step to take when deciding to do a green remodel. The choices available give the homeowner flexibility in how much they want to spend on a project.

Whatever choices are made, going green helps the environment and the pocketbook. Tax credits and rebates may also be available for even more savings.

Beverly Saltonstall
http://www.articlesbase.com/home-improvement-articles/tips-for-green-remodeling-698514.html

A Few Helpful Tips For Selling Your Home

Tuesday, February 15th, 2011

The decision to sell your home can be for a variety of reasons. Some people choose to move to a bigger house or to a smaller house. This can be the result of income changes or the size of your household changing. Others choose to sell their house because they have to relocate for work. Regardless of the reason, there are things you can do to ensure it sells quickly.

While you do have the option of selling your home on your own, it is wise to use the services of a real estate agent. This will cost you a percentage of your profits, but they will handle the paper work, showing your home, and all the other issues that come into play during the process of selling your home. Many potential home buyers are hesitant to work with a seller without an agency involved, especially first time home buyers who have no idea how the entire process unfolds.

The real estate agent can help you establish your selling price. Of course, it needs to be high enough to cover any balance owed on it and it is nice to make some profit as well. The real estate agent will also be able to tell you the going price in your area for a home such as yours. Make sure you work with a reputable agent. With the internet being so popular, work with a company that will list your home on their website as well.

Keeping the outside of your home clean and looking nice is important as well. Many people will drive by and make an impression of your home based on the yard. Grass should be kept short and the entry way to your home should look inviting. The quality of the paint outside your home should be in good shape as well.

Since people will be coming in to see your home, it is important to keep it clean. You want them to feel comfortable when they enter the home. Remove unneeded items that make your home look cluttered. Most home buyers want a home with plenty of space. Placing cookies or other snack on the table for the viewers is a very nice gesture that will result in them hanging out in the house longer.

Investing in repairs for the inside of your home is very important. Take the time to paint a room that needs it or fix that leaky faucet. Potential home buyers will be very critical of what they do see, and nervous about what they don’t see. If you have added anything such as a new furnace, water heater, or roofing lately it is a good idea to put that information into the listing.

Be willing to negotiate the purchase price and the closing date for selling your home. Too often deals are broken due to trivial details that one party clings to. Make sure to ask your real estate agent any questions you have. If you are in a pinch to sell you home, consider adding some incentives for buyers such as helping to pay a portion of the closing costs.

Gabriel Adams
http://www.articlesbase.com/real-estate-articles/a-few-helpful-tips-for-selling-your-home-86257.html

Masters Touch Offers Homeowners Key Ways to Save Energy This Winter

Sunday, February 13th, 2011

DATELINE:  MEDFIELD, MA…                                                          
Replace your windows.  If the windows in your home are 15 years old or more, chances are they are not very efficient.  At least 30 percent of heat in your home is lost through the windows.   Even if your home was built in the 80’s, it’s time to replace the windows.  There are certainly more energy efficient windows on the market than those available 20-plus years ago. 

Replace your doors.  Amazingly enough, many people will replace all their windows and save creaky old doors.  The same rule that applies to windows, applies to doors that are 15 years old.  Consider replacing your main front door and back door; the doors to the basement, and the door between your home and the garage.

Inspect and install insulation.  Have all your visible insulation inspected to make sure it is installed correctly and that there is enough.  And if you have an old home that doesn’t have any insulation between the inner and outer wall, by all means hire an insulation company and have some installed soon!

Check your heating system.  It’s imperative to have your heating system checked annually.  Contact a local company to service your burner and consider an upgrade if it is an old system.  The technician who performs the service can make recommendations.

Replace all your thermostats.  Replace all your thermostats with digital, programmable units and set them to lower the temperature at night or when you are not home during the day.  This will help to save on energy bills. 

Add Energy Efficient window treatments.  You can easily increase the R-value, or insulation value of your home by installing energy efficient window treatments throughout your house. From insulated and thermal shades to blinds, draperies and more, the right window treatments can prevent heat loss in during the winter as well as help block the heat from entering your home during the summer.

Add a pellet stove.  With the price of oil these days, consider a pellet stove or other alternative heating source.  A pellet or wood stove is much more efficient at generating heat than an open fireplace.

“Just one 275 gallon tank of oil can cost up to $1,300.  On average, homeowners with oil heat fill their tanks at least six times during the winter.  The costs for electric and gas have also increased significantly.  That being said, the fall is the time to incorporate measures to reduce those energy bills,” explained Doug Masters, founder of Masters Touch.

He continued, “The changes you invest in now should see you through at least the next 20 years and the cost of upgrading will be offset by rising energy costs.”

The Masters Touch
Masters Touch is a full service design/build and remodeling contractor.  With a team of more than 50, including architects, interior designers and project managers all working together, Masters Touch can handle all of a client’s home building or improvement projects and provide expert guidance to DIY folks.  The company was recently named #249 in the “2008 Top

500 Contractors List” in Qualified Remodeler magazine.                      

Masters Touch was founded by Doug Masters in 1997.  From high-end design and build projects; kitchen and bath renovations; exterior painting, roofing and siding projects to flooring, interior painting and decorating projects, Masters Touch caters to homeowners throughout the Metrowest area. 

Masters Touch is a Showcase Priority Dealer for Hunter Douglas and offers professional design and installation service.  The one-stop interior design and home improvement shop also offers Marvin and Harvey windows; six lines of custom and semi-custom cabinetry; over 150 types of granite and Corian countertops; paint; carpet; hardwood and tile flooring; home theater design and installation and much more.

The company offers written warrantees on all their work.  Masters Touch is located on Route 109 in Medfield, MA.  For more information contact 508-359-5900, e-mail info@masterstouchweb.com or visit masterstouchweb.com.

Steve Dubin

Ranch house plans — four things to consider when designing

Friday, February 11th, 2011

1.  Is a ranch house your style?

Ranch houses are typically one story structures with long, rectangular layouts, with an open floor plan. The style is considered casual and laidback. It lacks the grandeur found in two or three story homes, and will never have ornate pillars or other such features found in larger buildings.

The question then remains for the prospective buyer or builder — do they need a fancy, imposing edifice to live in, or will a simple, country-style adobe suit them better.
Of course, ranch house plans can be extremely elegant depending on the materials used in the construction, landscaping, and interior design.

2.  What are the costs that come with a ranch house?

Buying or building a home with ranch house plans can be less expensive due the fact that it only has one floor.

However, there can be hidden costs, such as the property or lot size. Since a ranch house is often shaped in a rectangular way, the land it’s built on sometimes needs to be extra-long to accommodate the structure. The larger the lot, the more it can cost.
Also, because the ranch style is on the longish side, exterior construction materials, such as roofing can be required in larger quantities than normally needed for a regular house. Of course, more roofing equals more money as well.

3.  Are stairs something you want to be climbing all day?

If one is getting older or has some sort of handicap, a ranch house might be the perfect solution for increased and easier mobility in the home. As there are no stairs to climb, an older person or someone in a wheelchair will find the simple, one-floor layout of ranch house plans a perfect fit. 

Families with young children will also appreciate the lack of stairs, as they won’t have to worry about their toddler tumbling down a flight of stairs and getting hurt.

4.  Are ranch houses more environmentally friendly?

Ranch house plans can be designed to be environmentally friendly. With more roof square footage, a whole series of solar panels can be installed, helping provide electricity for the house.

Large windows can be utilized to maximize sunlight heating in the winter, and other features can easily be incorporated to make the ranch house a “green” house.  
Ranch houses often allow one to blend the outdoors into the interior of the house, with sliding doors opening into the garden or back yard.  This can provide a nice, green, outdoorsy feeling in the home.

Learn more about ranch house plans and get started with your ranch house project today.

Moti Wyner

Get Discount on Homeowners Insurance

Wednesday, February 9th, 2011

Here are the tips to save on your homeowners insurance cost. A wide variety of discounts are available, and these discounts will vary by state and insurance company.

Don’t confuse what you paid for your house with rebuilding costs

While your home and its content are at risk from fire, theft, windstorms and other perils, the land under your home is not. Don’t include the value of the land in deciding how much homeowners insurance you need to buy.

Buy Multiple Policies from the same insurer

It might a good idea to get it all together. Many insurance companies that sell homeowners insurance also provide auto insurance. They may offer a discount if you buy both policies from the same company. The discount could be as high as 10 to 15%. Be sure to verify that the combined price is lower than buying the different coverage from different company.

The Building Material of your house

What your house is made if will actually make a difference in how much you pay. For example, wood houses carry higher premiums than good, solid concrete structures. Also check with your insurance agent what you can do to make your home more resistant to windstorms and other natural disasters. You might find that you can save on your premiums by adding window shutters, reinforcing your roof or installing stronger roofing materials. In addition, consider modernizing your heating, cooling, plumbing and electrical system to reduce the risk of fire and water damage.

Security systems and Safety Factors

Most insurance companies will give discounts if you have fire alarms and/or a security system installed. The distance from your house to nearest fire station may also afford you an extra discount. Your insurance company may also offer a significant discount of 15 0r 20 percent if you install a sophisticated home security system. If you’re thinking about buying such a system, check with your insurer to see which systems you’ll get a discount for.

Raise your deductible

A deductible is the amount of money you pay towards a loss before your insurance policy begins to pay a claim. The higher your deductible, the more money you can save on your premiums. Most insurance companies recommend a deductible of at least $500. Increase your deductible to:

$500 and save up to 12% on your premiums.

$1,000 and save up to 24 %

$2,500 and save up to 30 %

$5,000 and save up to 37 %

For example, let’s say that your home has a current market value of $225,000. Of that price, perhaps $100,000 may be directly related to the value of the land, while the remaining $125,000 would be the actual value of the house. You should insure your home for the amount it would take to replace the house, don’t include the cost of the land.

Seek out other discounts

Companies offer several types of discounts, but they don’t all offer the same discount or the same amount of discount in all states. For example, since retired people stay at home more than working people they are less likely to be burglarized and may spot fires sooner, too. Retired people also have more time for maintaining their homes. If you’re at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies. Some employers and professional associations administer group insurance programs that may offer a better deal than you can get elsewhere.

Liza Arwati

The Importance Of Thin Film Solar Panels

Monday, February 7th, 2011

What are thin film solar panels, and what could possibly be so exciting about them? Why are they so important to the future of alternative energy and solar power on this planet?

Thin film solar panels operate in the same manner that regular solar panels do, the only difference being that they are a lot thinner and require far less materials and energy for construction.

This might not sound extremely spectacular, but in fact it is. It’s a major breakthrough in solar technology.

Why Thin Film Solar Panels Are So Important?

Thin film solar technology is considered to be a major breakthrough because, up until now, the two barriers that have prevented solar energy and solar technology from becoming mainstream energy providers have been the 1. the cost to produce them, and 2. the problems in rapidly mass-producing them.

Both of these problems have been solved. This paves the way for rapid expansion of clean energy in the form of solar power.

What is Thin Film Solar Technology?

Thin film solar technology is a method of putting extremely thin films of photovoltaic material on to a thin layer of backing for support.

This is made possible through new inventions, such as solar ink. A photovoltaic material is dissolved into a solution, that is then printable as ink. It is then printed out, similarly to how books are printed.

Because of the invention of solar ink, it is possible to print photovoltaic material onto thin layers of plastic fabric or metal. This printing process is extremely fast, and thus it allows you to mass-produce solar panels at a high speed and at only a fraction of the cost.

Whereas, in the past, solar panels were bulky and weighed a serious amount, thin film solar panels weigh almost nothing and take up almost no space. This means that solar panels can now be produced at only 5 percent of the cost, as compared to our old bulky solar panels.

Uses of Thin Film Technology

The ability to literally print solar panels onto fabric, plastic and metal has opened up new horizons in the application of solar power.

Some of the uses now possible are as follows:

Construction:

  • Metal roofing
  • Membrane roofing
  • Architectural fabric


Consumer:

  • Rollable solar chargers
  • Foldable solar chargers
  • AA battery solar charger
  • Cell phone chargers
  • Satellite phone chargers
  • Laptop chargers
  • GPS chargers
  • PDA chargers
  • Handheld game chargers
  • Radios


Outdoors/Camping:

  • RVs
  • Campers
  • Boats
  • GPS devices

Military, Police and Emergency Services:

  • Solar field shelters
  • Foldable solar chargers
  • Rollable solar chargers
  • AA battery solar charger
  • Communications systems
  • Medical refrigeration systems
  • Water purification systems

Remote Locations, etc:

  • GPS asset tracking
  • Highway/transportation lighting and signals
  • Weather stations
  • Wildlife feeders
  • Remote sensors and data transmitters
  • Security lighting
  • Warning/safety lights
  • Water pumping systems

The above are just some of the ways that solar power can be and is being used, with the advent of thin film solar panels. I am sure that many more uses will be added, now that the price and manufacturing barrier of solar power have been broken.

Anna

The Advantages of Metal Roofing for Your Log Cabin

Saturday, February 5th, 2011

A rustic log cabin can be finished off perfectly with a metal roof. The durability and variety of metal roofing materials make this choice for your cabin a great one. Don’t be put off by rumors of noisy rain or high cost; a well-built and installed metal roof will reward you with nearly a lifetime’s worth of use. Metal roofing is becoming more popular as the public awakens to its beauty, versatility and recyclability.

Metal roofing is more durable than any other roofing material. It is not unheard of for a metal roof to have a 50+ year warranty. Metal can withstand a wide variety of climates, making it one of the best choices for harsher weathers. A metal roof designed for extreme weather is not easily impressed by hail, thunderstorms or blizzards.

The cost of metal roofing is much higher than that of other roofing materials. When the lifespan of metal is taken into account, however, the overall cost of the metal roof ends up being a much better investment. Think of the cost in materials and labor for replacing a conventional roof every 15 years, compared with once every 60!

Metal roofing is also available in a variety of styles and colors. No matter what kind of cabin you own, there is a metal roof out there that can complement its architecture and color scheme. Metal roofs are also resistant to fading, although an attractive patina is observable in older roofs. Todays metal roofing paint can retain over 80 percent of its color after 20 years.

For the “green” minded, many metal roofing companies use materials with a high percentage of recycled materials. One of the greatest advantages of metal is that it lends itself easily to being reused instead of adding more material to a landfill.

One very important advantage to a metal roof is that it is fireproof. For cabins with fireplaces and/or wood stoves, this is an important feature. No matter how dry it is, sparks from the chimney will not ignite your roof. (They can ignite debris on your roof, however, so regular maintenance and cleaning is necessary if your roof is angled to the point where dead leaves, pine needles, etc just slide off.)

Some people complain that their metal roof is noisy. This often occurs when the roof has not been properly insulated. A good metal roofing company can advise you on the best materials and strategies to keeping your roof quieter. However, many people enjoy the sound of rain on their metal roof – not in the least, perhaps, because they know that the chances of a leak are slim to none!

A metal roof system has certain requirements in order to perform at maximum capability. The roof must be able to “breathe”, so that accumulated condensation can evaporate or otherwise leave the building. Metal expands and contracts, and the roofing system needs to allow for that with special fastenings. Insulation must be carefully installed and the roof installed securely, if it is to withstand wind and inclement weather. A professional roofer who has experience with metal roofing systems is your best bet to ensure that all the details are taken care of properly.

A metal roof can add beauty and value to your cabin for many years to come. Consider metal for your next roof replacement – it may well be the last roof replacement you ever have to deal with!

Pat Trainor