Archive for September, 2009

Top 10 Defects in Home Inspections

I would never recommend a buyer to pass on a home inspection. It is important to know the real condition of the property you are buying.
US Inspect came up with a list of the top 10 defects found in most homes, they were based on over a half million inspections.
Many of these defects could cost you thousands of dollars.

1. Roof leaks due to poor flashing and / or roof material failure due to poor installation

2. Water penetration in the basement or crawlspace due to poor surface water control

3. Electrical safety issues due to age of home or homeowner alterations

4. Deterioration of the interior wall material behind shower and tub surround areas

5. Safety concerns associated with improperly installed decks, stairs or railings

6. Heating unit and distribution system problems due to age and workmanship or alterations

7. Structural concerns due to improper construction and/or alterations, or excessive unbalanced load

8. Fire safety issues related to fireplace chimneys

9. Wood deterioration caused by termites or other wood destroying organisms due to local environment or conducive conditions

10. General fire and safety issues with home ownership

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Exterior Wall Magic

No matter the style, a wall could gain visual appeal when softened.
Give your exterior walls a make over.

Here are some tips:

Paint walls. This is one of the easiest. Paint exterior walls in colors that resemble the overall house palette. It is easy and inexpensive, you might have to put a little work into, if you want to do it yourself. Start from cleaning the walls, remove any cob web, pressure-wash to get ride of the dust and dirt. Hey! clean is always attractive, so you can stop right there at having exterior walls clean.

Vines. They could be grown directly on the walls or using wood structures. Be creative with structures, you could go with any shape you like, from rectangular to circular, vines will growth around them.

Hanging Plants. Plant hungers are popular, they will add a warmth touch.

Planters. There is no limit with these, they come from a wide range of styles, colors, sizes, materials. Use them to add some seasonal color to your walls.

Wall Fountain. This might be a little costly but it is worth every penny. The sound of water cascading is very relaxing, it brings tranquility.

Add murals or trompe l’oeil. If you are an art lover like me, why not going with some trompe l’oeil scenes? They can be executed on stucco or wood panels. I have to post this beauty:

Ok, this trompe l’oeil -the author Richard Haas, might be a little to much for your house, but there are plenty of simple options..

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Dallas, best U.S. city to earn a living

According to a recent article published by Forbes we are the best city in the USA to earn a living.
The Forbes’ 400 best big companies and 200 best small companies located in each area were taking into account as well as salary, strength of industry, cost of living and the predictions of the economist for the future state of employment in the 40 largest Metropolitan Statistical Areas. I am glad to live in Dallas.

The low cost of living, high-paying jobs, growth industries and a concentration of top companies are some of the factors that make Dallas the number 1 city in the US to earn a living.

We all know that everything is big in Texas! Yes, Houston and Austin also made the list. Here are the rankings for the 10 top cities.

1. Dallas, Texas

Number of Forbes’ 400 Best Big Companies: 7
Number of Forbes’ 200 Best Small Companies: 8
Median Income: 27,841
ACCRA Cost of Living Index # (100 Median): 92.3
Five-Year forecasted Annual Job Growth: 1.8%

2. Houston, Texas

Number of Forbes’ 400 Best Big Companies: 16
Number of Forbes’ 200 Best Small Companies: 22
Median Income: 26,561
ACCRA Cost of Living Index # (100 Median): 90.0
Five-Year forecasted Annual Job Growth: 1.73%

3. Minneapolis, Minn.
Number of Forbes’ 400 Best Big Companies: 4
Number of Forbes’ 200 Best Small Companies: 6
Median Income: 32,509
ACCRA Cost of Living Index # (100 Median): 112.1
Five-Year forecasted Annual Job Growth: 0.83%

4. Austin, Texas

Number of Forbes’ 400 Best Big Companies: 1
Number of Forbes’ 200 Best Small Companies: 1
Median Income: 28,826
ACCRA Cost of Living Index # (100 Median): 95.9
Five-Year forecasted Annual Job Growth: 2.4%

5. Washington, D.C.
Number of Forbes’ 400 Best Big Companies: 2
Number of Forbes’ 200 Best Small Companies: 1
Median Income: 40,377
ACCRA Cost of Living Index # (100 Median): 138.4
Five-Year forecasted Annual Job Growth: 1.26%

6. St. Louis, Mo.
Number of Forbes’ 400 Best Big Companies: 1
Number of Forbes’ 200 Best Small Companies: 8
Median Income: 26,475
ACCRA Cost of Living Index # (100 Median): 89.9
Five-Year forecasted Annual Job Growth: 0.94%

7. Seattle, Wash.
Number of Forbes’ Best Big Companies: 0
Number of Forbes’ Best Small Companies: 1
Median Income: 32,836
ACCRA Cost of Living Index # (100 Median): 123.8
Five-Year forecasted Annual Job Growth: 1.09%

8. Atlanta, Ga.
Number of Forbes’ Best Big Companies: 3
Number of Forbes’ Best Small Companies: 7
Median Income: 29,543
ACCRA Cost of Living Index # (100 Median): 95.2
Five-Year forecasted Annual Job Growth: 0.62%

9. Kansas City, Mo.
Number of Forbes’ Best Big Companies: 2
Number of Forbes’ Best Small Companies: 0
Median Income: 28,165
ACCRA Cost of Living Index # (100 Median): 96.4
Five-Year forecasted Annual Job Growth: 1.12%

10. Denver, Co.

Number of Forbes’ Best Big Companies: 0
Number of Forbes’ Best Small Companies: 3
Median Income: 31,467
ACCRA Cost of Living Index # (100 Median): 104
Five-Year forecasted Annual Job Growth: .75%

Source: Forbes

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The beautiful Zócalo

A visit to Mexico City would never completed without a stop at the Zócalo, the heart of the city since the Aztecs’ rule. This beautiful Mexican landmark is 57,600 meters², making it one of the largest city squares in the world, is also called Plaza de la Constitución (Constitution Square).

Today September 16th, Mexicans all over the world celebrate Mexico’s independence from Spanish rule.

In the early hours of September 16, 1810, father Miguel Higalgo y Costilla, accompanied by Iganacio Allende, Doña Josefa Ortiz de Domínguez and others, rang the bell of his little church, calling everyone to fight for liberty. This was the beginning of the Independence War that lasted 10 years.

If you are in Mexico around this time of the year you will present a phenomenon. Buildings, houses, cars, streets are decorated with the Mexican bright colors Green, White and Red our National Colors. You will find street vendors on every corner selling flags, confetti, sombreros, whistles, rehiletes (shuttlecock), the noisy matracas, and horns.

Food is a big part of the Mexican Independence Day celebration, hundreds of stands are set up around the Zócalo, many days in advance, antojitos (finger foods), buñuelos, ponche (punch) a drink made of fruits, are must-have.

As the evening progresses, the Zócalo fills, crowds of people gather, there is practically no room to move when the night of September 15th arrives. Everybody is excited waiting for the recreation of father Hidalgo, gathering his followers in Dolores Guanajuato.

It is a tradition that the president of Mexico delivers the “grito”, right there at the Zócalo. The original bell that Hidalgo rang is placed in the Palacio Nacional (National Palace), an amazing colonial building where the President’s offices are located. That exact same bell is rung the last hour of every 15th of September. When the clock strikes eleven o’clock the crowd gets silent. The president steps out on the palace balcony and rings with passion Hidalgo’s bell, following the “El Grito de Dolores” (”Cry of/from Dolores”), “Viva Mexico”, the crowd echoes back proudly shouting “Viva”, “Viva la Independencia”, “Viva”!

Buildings that stand out in the community because of their architectural integrity, character, history, are landmarks. Which ones come to your mind?
The Zócalo, brings me beautiful memories, visiting Mexico City with my family when I was a little girl, walking around this enormous, gorgeous plaza, listening to the Mariachi…

Is there a particular building that brings you good memories?

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A green mortgage program

The FHA Energy Efficient Mortgage program (EEM) is a federal program that helps home buyers, providing them with mortgage insurance to finance the cost of adding energy efficiency features to new homes, saving money on utility bills.

Very plain and simple, an energy efficient home costs less to operate, the bank knows you could afford a larger mortgage if the cost of running your home is considerably lower. The borrower does not have to qualify for the additional money and does not make a down payment on it.

The EEM program not only applies to new homes, existing homes are also eligible for these mortgages. For an existing home, you will need a home energy rating system report (HERS), which will give the house an energy rating, then suggest improvements and costs. The report ranges from $100 to $300.

Remember that FHA insures loans, FHA does not provide loans.

Source:HUD

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