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	<title>Inspected Thoughts</title>
	
	<link>http://yourhoustonhomeinspector.com</link>
	<description>A Houston home inspector looks at homes and his community</description>
	<lastBuildDate>Wed, 01 Feb 2012 20:00:14 +0000</lastBuildDate>
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		<title>Which Property is Best?</title>
		<link>http://feedproxy.google.com/~r/InspectedThoughts/~3/ekIsTfXJkh8/</link>
		<comments>http://yourhoustonhomeinspector.com/for-the-buyer/property/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 20:00:14 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[For the Buyer]]></category>
		<category><![CDATA[buying as investment]]></category>
		<category><![CDATA[housing investment]]></category>
		<category><![CDATA[Old or new property]]></category>
		<category><![CDATA[property investment]]></category>
		<category><![CDATA[property valuation]]></category>
		<category><![CDATA[Property Valuation Software]]></category>
<category>buying as investment</category><category>housing investment</category><category>Old or new property</category><category>Property Investment</category><category>property valuation</category><category>Property Valuation Software</category>
		<guid isPermaLink="false">http://yourhoustonhomeinspector.com/?p=2249</guid>
		<description><![CDATA[ A question which has plagued property investors across the world is whether it is better to buy a new property or an old property. The following 6 point guide will help you decide which property investment is best for you.
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			<content:encoded><![CDATA[<p>A question which has plagued property investors across the world is whether it is better to buy a new property or an old property. New properties offer tax incentives but older properties can often be greatly improved with renovations, increasing their value rapidly. There is no definite right or wrong answer as it depends on each investor’s aims and goals with the property but there are distinct advantages to both.</p>
<p>The following 6 point guide will help you decide which <a href="http://www.ironfish.com.au/" onclick="return TrackClick('http%3A%2F%2Fwww.ironfish.com.au%2F','property+investment')">property investment</a> is best for you.</p>
<p><strong>3 Reasons Why New Property Provides the Best Returns</strong></p>
<ol>
<li>When you own an investment property you are able to claim depreciation of items such as dishwashers and washing machines. Carpeted floors and furniture all have relatively high rates of depreciation and when you own a new property you can claim higher rates on the depreciation of such. The amount of depreciation you can claim depends on the age of the property, so owning a new property will allow for better tax benefits from your investment.</li>
<li>Tenants will often prefer to move into a new property rather than an old one. If you are buying to rent then a modern property has a greater appeal. Particularly in coastal areas overlooking the sea, modern properties will fetch a greater rental rates from tenants, making newer better.</li>
<li>There are now builder regulations in place which mean they must supply insurance for any properties they build. This means that if anything happened to the house then you would be covered. It also offers the opportunity to claim back from the builders if you discover that they have failed to meet the specifications of the build. This will provide you with peace of mind at being covered if you discover problems with your property after purchase.</li>
</ol>
<p><strong>3 Reasons Why Old Holds the Gold</strong></p>
<ol>
<li>When buying an older property it is important to consider the value of land and building costs in the area. You will find it easier to get permission for a renovation than for a complete rebuild. Managing this sensibly will enable you to create an instant equity increase on the property. Make sure you do the calculations to ensure you are going to come out with a greater equity increase than the value of the investment.</li>
<li>Older buildings amongst other older properties have a certain appeal because of the atmosphere. It is difficult to replicate the feel of an older suburb when creating new property areas. The appeal of the surroundings will ensure a maintained demand in the area which cannot be guaranteed in a new development.</li>
<li>Older properties often have hidden attractions which you would not find in a newer property. Elements such as solid oak flooring hidden under carpet could really increase the appeal and value of the house. When looking to buy an older property, ask questions about the original features and you may be able to unearth some hidden wonders.</li>
</ol>
<p><strong>The Research Element</strong></p>
<p>When looking to buy any property it is always necessary to do a lot of research. This is often more true with older properties, but knowing the area, the potential for expansion nearby and the accessibility of the property, will place you in better stead to discover the best buy in your chosen area. Be sure to utilise <a href="http://www.estatemaster.net/page/df_overview.html" onclick="return TrackClick('http%3A%2F%2Fwww.estatemaster.net%2Fpage%2Fdf_overview.html','property+valuation')">property valuation</a> software to discover the true value of a home before making any offers.</p>
<p>&nbsp;</p>
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		<title>How to Know When to Buy a House</title>
		<link>http://feedproxy.google.com/~r/InspectedThoughts/~3/MV4NzV6cB-0/</link>
		<comments>http://yourhoustonhomeinspector.com/for-the-buyer/buy-house/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 20:00:18 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[For the Buyer]]></category>
		<category><![CDATA[buying a house]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[property investment]]></category>
		<category><![CDATA[Property Valuation Software]]></category>
		<category><![CDATA[Real Estate Development Software]]></category>
		<category><![CDATA[renting]]></category>
<category>buying a house</category><category>home ownership</category><category>property investment</category><category>property valuation software</category><category>Real estate development software</category><category>renting</category>
		<guid isPermaLink="false">http://yourhoustonhomeinspector.com/?p=2247</guid>
		<description><![CDATA[Whether it is a dream you have held since you were young, or if you have suddenly found yourself with an exciting opportunity, it can be difficult to know whether buying a house right now is the correct decision. 
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			<content:encoded><![CDATA[<p align="JUSTIFY">It is a dream that most of us are brought up on: that success means owning your own home with the white picket fence in the suburbs. As we get older however, typically our first experience living out of home isn’t in a new house we’ve purchased, but in a rental property – either by ourselves, with a partner, or with other individual flatmates.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">There will come a time however, where you are either presented with an opportunity or you are in a financially stable situation, and you ask yourself: is it the right time to buy a house?</p>
<p align="JUSTIFY">
<p align="JUSTIFY">Here are some questions you need to consider that will help you determine whether buying a house is a good option for you.</p>
<p align="JUSTIFY">
<ol>
<li>
<p align="JUSTIFY">Do you want to buy a house to be your home?</p>
</li>
</ol>
<p align="JUSTIFY">The first thing to consider is whether you want to buy a house so it can become your own home, or if this will be a rental or investment property.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">If you are purchasing it to live in, owning it means you will have the control and freedom to add your own touches, to redecorate – and to repair anything promptly without having to wait on your landlord or real estate agent (always one of the main downsides to renting!).</p>
<p align="JUSTIFY">
<p align="JUSTIFY">Buying your own home will mean if needed, you can find other flatmates who can pay you rent to help pay off the mortgage, and will provide a form of financial security for you and your family. Be sure to use <a href="http://www.estatemaster.net/page/df_overview.html" onclick="return TrackClick('http%3A%2F%2Fwww.estatemaster.net%2Fpage%2Fdf_overview.html','Property+valuation+software')">Property valuation software</a> so that you can determine whether the home you are buying now really will pay off in the future.</p>
<p align="JUSTIFY">
<ol start="2">
<li>
<p align="JUSTIFY">Do you want to buy a house as an investment?</p>
</li>
</ol>
<p align="JUSTIFY">Perhaps you don’t wish to live in this house yourself, but see it more as an opportunity to get into the property market. Owning real estate can be a lucrative and inspiring way to save and make money: provided you have the dedication to learn and the patience to wait for the right opportunities.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">Thinking about who you want your potential tenants to be – students, travelers, families – will determine where you look and what type of house you search for. <a href="http://www.estatemaster.net/page/dm_overview.html" onclick="return TrackClick('http%3A%2F%2Fwww.estatemaster.net%2Fpage%2Fdm_overview.html','Real+estate+development+software')">Real estate development software</a> and courses will help you learn how to spot a great investment.</p>
<p align="JUSTIFY">
<ol start="3">
<li>
<p align="JUSTIFY">Do you plan to move any time soon?</p>
</li>
</ol>
<p align="JUSTIFY">Buying a house – whether it is for you to call home or for investment purposes – is a significant long-term commitment. If you cannot see yourself being close to the area in where you have bought the home, or if you will be unable to visit frequently, then perhaps it is not the right time in your life to buy.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">You need to be able to keep an eye on your property, or have someone you can trust to do this job for you. If you take the proper precautions now, you will not be one of those many horror stories where owners return from years overseas, only to find their tenants have destroyed their property.</p>
<p align="JUSTIFY">
<ol start="4">
<li>
<p align="JUSTIFY">Do you want to renovate, fix up, or change nothing at all?</p>
</li>
</ol>
<p align="JUSTIFY">Your budget will likely greatly influence your answer to this question. If you cannot afford to buy the dream house in its full glory, renovating or “fixing up” a property can be a tempting option.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">If you decide to go down this route, then you are in for a fun, creative &#8211; but also lengthy process.</p>
<p align="JUSTIFY">
<p align="JUSTIFY">Please make sure you have worked out a budget for all the changes and renovations needed before you close the sale. You might discover it is worthwhile waiting another few years if the budget works out to be significantly more than you initially expected.</p>
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		<title>Houston Home Inspection Cost</title>
		<link>http://feedproxy.google.com/~r/InspectedThoughts/~3/Ur_nXfZ5h8Y/</link>
		<comments>http://yourhoustonhomeinspector.com/the-art-of-business/houston-home-inspection-cost/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 18:41:14 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[The Art of Business]]></category>
		<category><![CDATA[Houston home inspection cost]]></category>
<category>Houston home inspection cost</category>
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		<description><![CDATA[Each business does competitor research, but this is usually for internal use to revise business plans, revenue options, and budgets. Would customers benefit from a knowledge of Houston home inspection cost? The obvious answer is yes, so I thought that I would share my research.
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			<content:encoded><![CDATA[<h3>Each business does competitor research, but this is usually for internal use to revise business plans, revenue options, and budgets. Would customers benefit from a knowledge of Houston home inspection cost? The obvious answer is yes, so I thought that I would share my research.</h3>
<p>
<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">O</span></big>ver the years, I have been involved with competitor analysis.</span> Sometimes you think this would be fairly obvious, so why would companies need to do competitor analysis. For example, why would one movie theater need to know the ticket price of another when most prices are so similar, and other factors, like location, may determine where you go? However, even movie theaters conduct competitor analysis on an ongoing basis. I keep track of my competitors, and once a year, I perform a more in depth analysis to create my plans. One aspect of this analysis is &#8220;what is a <span style="font-weight: bold;">Houston home inspection cost</span>?&#8221;<br /><a href="http://yourhoustonhomeinspector.com/wp-content/uploads/2012/01/Houston-home-inspection-cost.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2012%2F01%2FHouston-home-inspection-cost.jpg','Houston+home+inspection+cost')"><img src="http://yourhoustonhomeinspector.com/wp-content/uploads/2012/01/Houston-home-inspection-cost.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2012%2F01%2FHouston-home-inspection-cost.jpg','Houston+home+inspection+cost')" alt="Houston home inspection cost" title="Houston home inspection cost" width="250" height="188" class="alignnone size-full wp-image-2263" /></a><br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">W</span></big>hat are Houston home inspectors charging?</span> My methodology was to look at the average square footage of homes that I inspected last year first. Home inspectors base their quotes on the square footage most often. I rounded this number to the closest one hundred. This gave me 2100 square feet. Since home inspectors will have different base prices, I looked at what would an inspector charge for a 2100 sq ft home. Prices were quite varied. I found the highest price at $500. The lowest price that I found this year was $250.I had someone report a $600 cost, but I have not verified&nbsp;that amount. If you were to randomly call a Houston home inspector,<span style="font-weight: bold;"> the price you are most likely to obtain is somewhere around $310 for my average home.</span><br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">I</span></big>n previous years, I had found prices as low as $200</span>. I did not find a home inspector offering that low price. I believe that they are still out there, but they may be harder to find. <span style="font-weight: bold;">My services cost $250</span>, and I have decided not to raise my price. Each inspector has to look at their own operating expenses and desired profit along with revenue trend to determine what they charge. Another factor for me is to examine my quote to conversion ratio along with comments made by potential clients. Although, as the year progresses, I may revisit this cost, I am finding this is the best price point for me.<br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">D</span></big>oes a lower cost mean a cheap service?</span> You may hear &#8220;do not use a cheap home inspector because you will be getting poor service&#8221;. I am not sure about that fact. In my next post based on my competitor research, I want to go into what that service entails. I was surprised &nbsp;by some facts. What you may find is that some lower price services are not poor in quality. There are too many factors as to why an inspector will set a price, but it may be true to state that an inspector who has been in the industry longer can command the higher price. Does an older company history mean better service? Although I know some who will make that argument, I cannot support it. Customer expectations evolve, and not all companies evolve with them. Remember Google was not the first search engine, but for most users, Google has become the main search engine to use. In the future, another search engine meeting consumer desires may be the prominent firm. <br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"> <big style="font-family: Comic Sans MS;"><span style="font-style: italic;">I</span></big> hope that there are other reasons to decide upon which home inspector to use besides cost.</span> The purpose of this post is to give you an idea of what to expect when doing your own research.</p>
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		<title>30 Year Mortgage Rates Matched All-Time Record Lows Last Week</title>
		<link>http://feedproxy.google.com/~r/InspectedThoughts/~3/8rrm5LfsOCM/</link>
		<comments>http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/30-year-mortgage-rates-matched-alltime-record-lows-week/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 20:30:30 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[Financial Knowledge]]></category>
		<category><![CDATA[best rate]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[mortgage rates]]></category>
<category>best rate</category><category>home buying</category><category>mortgage rates</category>
		<guid isPermaLink="false">http://yourhoustonhomeinspector.com/?p=2226</guid>
		<description><![CDATA[Guest post to help guide you in choosing the best mortgage.
Related posts:<ol>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/30-year-mortgage-rate-average-southwest-hovering-400/' rel='bookmark' title='30 Year Mortgage Rate Average in the Southwest Hovering Around 4.00%'>30 Year Mortgage Rate Average in the Southwest Hovering Around 4.00%</a> <small>Guest post detailing mortgage rates, and how they are currently...</small></li>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/imortgage-assistance-tax-relief-time-home-buyersi/' rel='bookmark' title='&lt;I&gt;Mortgage Assistance and Tax Relief for First Time Home Buyers&lt;/I&gt;'><I>Mortgage Assistance and Tax Relief for First Time Home Buyers</I></a> <small>Programs meant to help consumers into homes will only last...</small></li>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/delving-into-the-paperwork-part-3-a-description-of-mortgage-paperwork/' rel='bookmark' title='&lt;i&gt;&lt;B&gt;Delving into the Paperwork: Part 3 &ndash; A description of mortgage paperwork&lt;/B&gt;&lt;/I&gt;'><i><B>Delving into the Paperwork: Part 3 &ndash; A description of mortgage paperwork</B></I></a> <small>A look at the mortgage paperwork. Details of what to...</small></li>
</ol>

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			<content:encoded><![CDATA[<p>2012 started out with a &#8220;Bang&#8221; for those interested in refinancing their mortgages and for home buyers looking to capitalize on historically low interest rates. Last week, Freddie Mac reported that the 30 year fixed rate mortgage average tied an all-time low coming in at 3.91% with 0.8 points. The 15 year fixed average also fell slightly moving 0.01% lower to 3.23% (.8 pts). Five year adjustable rate mortgages also remain viable options for those looking for short term financing solutions. The 5 year treasury-indexed ARM rate average was 2.86% (.7 points) last week.</p>
<p>Below is a snapshot of current rate and term refinance Texas mortgage interest rates taken from the mortgage rate research web site, ForTheBestRate.com (9:52 AM MST 1/9/2012). Please visit the site for the criteria used in the survey. Mortgage rates are subject to change without notice.</p>
<p><a href="http://www.forthebestrate.com/30-year-fixed-mortgage-rate.htm" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F30-year-fixed-mortgage-rate.htm','30+Year+Mortgage+Rates')" title="30 Year Mortgage Rates" target="_blank">30 Year Mortgage Rates</a><br />
Quicken Loans: 4.000% Note Rate, 1 Pt, $1553 Fees, 4.149% APR<br />
Amerisave:     3.750% Note Rate, .837 Pts, $1995 Fees, 3.902% APR<br />
FFSI:          3.750% Note Rate, 1 Pt, $0 Fees, 3.832% APR</p>
<p><a href="http://www.forthebestrate.com/20-year-fixed-rate-mortgage.htm" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F20-year-fixed-rate-mortgage.htm','20+Year+Mortgage+Rates')" title="20 Year Mortgage Rates" target="_blank">20 Year Mortgage Rates</a><br />
FFSI:          3.750% Note Rate, 1 Pts, $0 Fees, 3.865% APR<br />
EverBank:      3.625% Note Rate, 0 Pts, $852 Fees, 3.674% APR<br />
AimLoan:       3.375% Note Rate, 1 Pts, $1995 Fees, 3.603% APR</p>
<p><a href="http://www.forthebestrate.com/15-year-fixed-mortgage-rate.htm" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F15-year-fixed-mortgage-rate.htm','15+Year+Mortgage+Rates')" title="15 Year Mortgage Rates" target="_blank">15 Year Mortgage Rates</a><br />
Quicken Loans: 3.250% Note Rate, 1.25 Pt, $1553 Fees, 3.547% APR<br />
EverBank:      3.000% Note Rate, 0 Pts, $852 Fees, 3.061% APR<br />
FFSI:          3.000% Note Rate, 1 Pt, $0 Fees, 3.145% APR</p>
<p><a href="http://www.forthebestrate.com/10-year-fixed-mortgage-rate.htm" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F10-year-fixed-mortgage-rate.htm','10+Year+Mortgage+Rates')" title="10 Year Mortgage Rates" target="_blank">10 Year Mortgage Rates</a><br />
EverBank:      3.000% Note Rate, 0 Pt, $852 Fees, 3.089% APR<br />
Amerisave:     2.750% Note Rate, 1 Pts Pts, $1995 Fees, 3.172% APR<br />
FFSI:          3.000% Note Rate, 1 Pt, $0 Fees, 3.211% APR</p>
<p>About the Author:</p>
<p>Nat Criss works with <a href="http://www.forthebestrate.com/" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F','ForTheBestRate.com')" title="ForTheBestRate.com" target="_blank">ForTheBestRate.com</a>, a resource for searching current mortgage rates in your area.</p>
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<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/imortgage-assistance-tax-relief-time-home-buyersi/' rel='bookmark' title='&lt;I&gt;Mortgage Assistance and Tax Relief for First Time Home Buyers&lt;/I&gt;'><I>Mortgage Assistance and Tax Relief for First Time Home Buyers</I></a> <small>Programs meant to help consumers into homes will only last...</small></li>
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</ol></p>
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		<title>A Look Back at Home Inspection in 2011</title>
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		<pubDate>Mon, 19 Dec 2011 20:30:21 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[The Art of Business]]></category>
		<category><![CDATA[home inspection]]></category>
		<category><![CDATA[Houston]]></category>
		<category><![CDATA[real estate]]></category>
<category>home inspection</category><category>Houston</category><category>real estate</category>
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		<description><![CDATA[As the end of the year approaches, I am thinking of the trends that I noticed in Houston real estate.
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			<content:encoded><![CDATA[<h3>As the end of the year approaches, I am thinking of the trends that I noticed in Houston real estate.</h3>
<p>
<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">M</span></big>aybe the tales of a Houston home inspector are not the standard for examining real estate trends, yet I feel that the year has shown positive signs.</span> A few neighbors have asked me about my business outlook. Perhaps this is a way to judge if they should go into the market with their own home. That could be the first trend which I noticed: the hesitant seller. There are people who want to move, but they are waiting until the market appears better for sellers. The interesting aspect of this trend for home inspectors has been sellers wanting their homes inspected to deal with issues before a buyer comes into the picture. &nbsp;When looking back at this year, I can say that it has been a good year for me, but not all real estate professionals. This leads me to consider other trends.<br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"> <big style="font-family: Comic Sans MS;"><span style="font-style: italic;">I</span></big>s that home inspector still in business?</span> That real estate agent? The real estate industry might consist of more part time employees than other industries. You could have a job, and you could perform home inspections on your days off. I have seen appraisers do the same. I see people begin their careers as a real estate agents while still working another job. This is what makes the real estate industry a great industry for many. You can earn extra income. You can build your business while still having security. However, when the real estate market is bad, you do loose people. I have encountered home inspectors, as well as agents, who were full time going out of business. Mainly, I find people starting new business&nbsp;ventures to supplement their real estate business. I found my business increasing, so I did not have the time for a new business. I found other real estate professionals in my situation. We focused our business, and we found an increase when others complained how bad the market is. Basically, the firms left standing are doing business better.<br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">T</span></big>he buyer wants to spend their money wisely, and the real estate industry is responding.</span> Sometimes I feel that professionals in my industry are paying lip service to the idea of providing value, but we are see changes that do help the consumer. Even before 2008, the consumer was gaining more information through the internet. Smarter consumers force businesses to be smarter. &nbsp;Builders are constructing more efficient homes, which consumers see as a better value. Some real estate firms are letting consumers pick and choose what they want in the way of service, instead of simply charging them for everything. The consumer may be looking for the lowest price, but they do want to ensure that they are not cutting the corners too much. The recession added the information wise consumer more budget conscious, which means even more pressure on real estate professionals to do the job right.<br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">G</span></big>reen is better.</span> This is not a surprise: consumers are considering value, and they are considering the cost of living in the home. The vague concept of a green home is linked to the concept of value. Vague? Yes, vague. There are different standards for defining a green home. Terms like &#8220;EnergyStar&#8221; and &#8220;LEED&#8221; carry a good deal of weight. The consumer is well aware of the EnergyStar brand, but honestly, the consumer does not understand many issues that people are using to define &nbsp;an energy efficient home, since all of this is new. I thought everyone understood R-value in relation to the insulation in their homes, till I began lecturing homeowners on energy efficiency. At this time the consumer wants an energy efficient home, but as the information becomes more available to them, we will see more focus of clarifying what green means.<br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">D</span></big>o I need a home inspector or energy rater?</span> Home inspectors have become a fairly standard part of the home buying process. I had a good percentage of clients who did not use real estate agents this past year. (There were other clients who had agents, but the agents hardly seemed involved from my perspective). The home inspection became important, because the inspection was a way to ensure value. As the consumer begins to include the cost of living in a home into their purchase calculations, they are looking for ways to discover that data prior to the purchase. Energy raters may fill this need. I noticed more home inspectors are going after this certification. I am not sure that this will become the consistent choice of the consumer any time soon. Cost is still a driving factor for the consumer, and even though having inspections of your purchase helps ensure value, there comes a point where the cost of these inspections is too great for the average consumer. There is also a question of return on investment. Having good professionals conduct these investigations will uncover problems to save you money; however, the consumer might not have the funds to go after all of these inspections, and they may not realize the value. Energy raters will be the wave of the future, but home inspectors could begin to include this knowledge in their reports &nbsp;to create value.<br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">W</span></big>ith builder confidence rising, and my review of my own business, I have good feelings for the coming year.</span> More home inspectors will leave the profession. This was a good year for me and others, but this is still not the best business climate for the real estate industry. I am feeling positive; however, lenders are making mortgages difficult to obtain (unless you have worked to meet the requirements), and foreclosures will continue to bring home prices down (this is good for the consumer if they can find the right home). We have to remember that the recovery in the real estate industry will take time.</p>
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		<title>How Soon Should a Home Inspector Take to Write a Report?</title>
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		<pubDate>Thu, 08 Dec 2011 20:30:18 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[The Art of Business]]></category>
		<category><![CDATA[home inspection report]]></category>
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<category>home inspection report</category><category>home inspector</category>
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		<description><![CDATA[A home inspector can give you the information about the findings verbally, but a home inspection report is the document that you need. Should you be kept waiting for this report?
Related posts:<ol>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/home-inspection-report-for-the-buyer/page-home-inspection-report/' rel='bookmark' title='A New Page: A Home Inspection Report'>A New Page: A Home Inspection Report</a> <small> A new page on this site is provided to...</small></li>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/home-inspection-report-for-the-buyer/home-inspector-failed-mention-problem-report/' rel='bookmark' title='What Is the Legal Responsibility of a Home Inspector on the Report?'>What Is the Legal Responsibility of a Home Inspector on the Report?</a> <small>A recent comment on a post about home inspection scams...</small></li>
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			<content:encoded><![CDATA[<h3>A home inspector can give you the information about the findings verbally, but a home inspection report is the document that you need. Should you be kept waiting for this report?</h3>
<p>
<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">S</span></big>everal years ago a home inspector told me that he took two weeks to write a report.</span> His reports were long, filled with quotes and diagrams. Another home inspector told me that his report was a checklist, which he gave to the client at the end of the inspection. His reports were obviously short. Here we have two extremes, so which one do you prefer? That is a bad question. &nbsp;How long it takes to produce the report should not be our concern, but rather the quality of the content. Yet speed of report writing is still a bar by which we judge home inspectors. The irritation of some consumers did lead the state of Texas to make a requirement that reports should be produced within three days. This is fine with me, since I have always tried to produce a report quickly.<br /><a href="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/12/home-inspection-report.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F12%2Fhome-inspection-report.jpg','home+inspection+report')"><img src="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/12/home-inspection-report.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F12%2Fhome-inspection-report.jpg','home+inspection+report')" alt="home inspection report" title="home inspection report" width="250" height="324" class="alignnone size-full wp-image-2207" /></a><br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">W</span></big>hen I first became a home inspector, I thought that producing a report at the end of the inspection would be a selling point.</span> I had set up my report in a form format, and I would write them in a half hour. The problem with these reports were that they presented cold facts at their most basic. I came to realize that these reports did not help my clients. I did present a great deal of information to each client, but this was generalized, which had nothing to do with the specific home. I was still concerned with the idea of producing the report quickly; however, my desire to create better content was a more important driving factor. I found that writing my reports was taking two hours when an inspection lasted three. I added content that would help my clients, being common to every home inspection. The reports were still taking two hours. Oddly, I had a real estate agent criticize me for this two hours of writing. We live in an age of immediate gratification.<br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"> <big style="font-family: Comic Sans MS;"><span style="font-style: italic;">T</span></big>he newest trend in home inspection reports is the use of software programs that produce the reports.</span> The home inspector has to perform his investigation. He goes through a list of pre-written statements to fit his findings. There are often some spaces for personalization. I have known a few real estate agents to prefer these reports, because the automated format produces an easy to read list. I even had agents who claimed that this was a required aspect to a report. My question was if this way of producing reports was the best for my clients. I like the idea of the software, but I wanted better content, and I felt that writing my own reports was best for me.<br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"> <big style="font-family: Comic Sans MS;"><span style="font-style: italic;">H</span></big>aving better content is the key to a good home inspection report.</span> I began adding more items to my reports. I had reasons for not including photographs, but I found that certain photographs enhanced the report for the client. I expanded the informational sections of the reports. I created space to make it easier to read the report. This idea came from studying web design. I could write the report like my college papers, but a well designed appearance makes the information in the report easier to read. After a broker mentioned to me that clients did not always see my invoice at the end of the report, I added a table of contents. This is a breakthrough, since this could allow me to expand the information in a readable format that can allow the user to go to the appropriate section quickly. I am still tweaking these aspects of the report. The goal is to produce better content with better content delivery.<br />
&nbsp;&nbsp;<big style="font-family: Comic Sans MS;"><span style="font-style: italic;">&nbsp;</span></big><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;"> T</span></big>hese steps have increased the amount of time that I was taking to write the reports</span>. Increasing work time does not seem logical from my standpoint as a business owner. More time on the job means lower profit. I decided upon a different approach to report writing. I began by writing the report backwards. I started filling in the information on the last pages. Afterwards, I would go back through the report in the standard order to check what I had written. This method forced me to edit. I had edited before, but this editing was done too quickly I discovered. Starting with the end of the report did not increase the report writing time, but I produced a better report. Still attempting to write faster, I added the idea of the information dump to my writing process. Instead of looking at my notes, I wrote everything from memory. When going back over the report in my editing process, I&nbsp;used my notes to fill out areas that I missed in my first draft. My report writing takes as long as my home inspection, and I am fine with this development.<br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);">&nbsp;<big style="font-family: Comic Sans MS;"><span style="font-style: italic;"> A</span></big> home inspector&#8217;s goal should be the delivery of a report in a timely manner.</span> If you are looking for an inspector, asking them how long it would take to produce the report is a valid question; however, asking questions that relate to the quality of the content would be better.</p>
<p>Related posts:<ol>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/home-inspection-report-for-the-buyer/page-home-inspection-report/' rel='bookmark' title='A New Page: A Home Inspection Report'>A New Page: A Home Inspection Report</a> <small> A new page on this site is provided to...</small></li>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/home-inspection-report-for-the-buyer/home-inspector-failed-mention-problem-report/' rel='bookmark' title='What Is the Legal Responsibility of a Home Inspector on the Report?'>What Is the Legal Responsibility of a Home Inspector on the Report?</a> <small>A recent comment on a post about home inspection scams...</small></li>
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		<title>How to Seal Your Air Duct</title>
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		<comments>http://yourhoustonhomeinspector.com/living-in-your-home/green-home-conversion/seal-air-duct/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 20:30:35 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[Green home conversion]]></category>
		<category><![CDATA[air duct]]></category>
		<category><![CDATA[energy efficiency]]></category>
		<category><![CDATA[radiant barrier]]></category>
		<category><![CDATA[sealing]]></category>
<category>air duct</category><category>energy efficiency</category><category>radiant barrier</category><category>sealing</category>
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		<description><![CDATA[Insulating is great; however, you could have energy efficiency issues with your air ducts. Sealing your air ducts can help to make your system more efficient.
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<li><a href='http://yourhoustonhomeinspector.com/living-in-your-home/green-home-conversion/improving-return-air-ducts-older-homes/' rel='bookmark' title='Improving Your Return Air Ducts in Older Homes'>Improving Your Return Air Ducts in Older Homes</a> <small>In older homes, return air ducts are typically just a...</small></li>
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			<content:encoded><![CDATA[<h3>Insulating is great; however, you could have energy efficiency issues with your air ducts. Sealing your air ducts can help to make your system more efficient.</h3>
<p>
<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">I</span></big> read a summary of a study done about the state of energy efficency in our homes.</span> Most Americans want more efficient homes, because they want to reduce their energy bills. Most of us do one thing towards this goal, maybe two. We insulate; we caulk, sealing air gaps. Our bills see minor improvement, so we think this energy efficiency kick might not be worth it. If we are trying, we go for one more effort to reduce our electric bill: compact flourescent lighting. Sounds great. The electric bill still does not see much improvement. The study found to significantly reduce our bills that&nbsp;we need to do four things towards energy efficiency. I might suggest that you<span style="font-weight: bold;">seal your air ducts</span>.<br /><a href="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/12/Air-Duct-in-Need-of-Sealing.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F12%2FAir-Duct-in-Need-of-Sealing.jpg','Air+Duct+in+Need+of+Sealing')"><img src="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/12/Air-Duct-in-Need-of-Sealing.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F12%2FAir-Duct-in-Need-of-Sealing.jpg','Air+Duct+in+Need+of+Sealing')" alt="air duct in need of sealing" title="Air Duct in Need of Sealing" width="250" height="188" class="alignnone size-full wp-image-2204" /></a><br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">O</span></big>n one home inspection, I did not mind being in that hot attic, because I was feeling the cool breeze.</span> The breeze was not from a windy day; the air duct had a hole. Cool air was gushing out. I have even found attics that were being cooled by ducts that were cut in half. I read a report that improperly sealed ducts cause 20% to 30% loss in energy efficiency. This is a large loss. Most of the leaking air is not from obvious holes or disconnected ducts, but from improperly sealed ducts. There is a new product on the market, which could be the best way to seal our ducts. The principle is simple. The substance is floated through the ducts, and clogs up the holes that it finds. <span style="font-weight: bold; color: rgb(0, 102, 0);">&nbsp;<big style="font-family: Comic Sans MS;"><span style="font-style: italic;">T</span></big>his is probably not a do it yourself method. </span>My own method was to create a new sheathing to cover my old ducts. I have the older, rigid ducts in my home. Since they are not damaged, I do not need to replace them with the modern flexible ducts. I use a radiant barrier material for the sheathing. Here is how I install this sheathing:<br />
1)I measure the size of the duct diameter. A flexible tape measure such as used by tailors works well. You can take a piece of string. Wrap it around the duct, marking the diameter.<br />
2) While the radiant barrier is still in its original roll, I measure out the length of the duct, with an additional three to four inches for overlap. I cut the material with a handsaw.<br />
3) I unroll the radiant barrier to wrap it around the duct. Here is the hard part. Your duct should be supported by straps, so the duct does not sit on the insulation. Lifting the duct up to slide the new sheathing through is not always an easy task, particularly in a tight fitting attic. I wrap around the straps. I cut slits into the sheathing material to fit the barrier on each side of the strap. I then use HVAC tape to tape up any openings. The overlap is pulled tight, and I tape the overlap with HVAC tape. Why HVAC tape and not duct tape. HVAC stands for heating, ventilation, and air conditioning, and having the right material for the job ensures a better job. I am not sure why, but I have seen duct tape peeling off from ducts and plenums when used in this application. <br />
4) The ducts obtain their conditioned air from the supply plenum. This is the big box after the evaporator coil (the metal box with a safety pan to catch water underneath it). Use the tape to seal the new sheathing to the plenum. If the plenum has leaks, you can use the radiant barrier as a new sheathing for this part of the system too. Remember to seal with HVAC tape.<br />
5) The last step is often skipped when I find that ducts have been sealed during my home inspections. The duct attaches to a box for the vent into your room, called a register. The box will probably need a new sheathing or at least sealing with tape. When energy was cheap, builders and homeowners were not concerned if ducts had little insulation, or if there sealing was not entirely complete. If there were no obvious signs of problems, then they did not seal tightly. </p>
<p><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">T</span></big>he radiant barrier does act like an insulation.</span> Most new homes have ducts with insulation that has a R-6 value. That is basic. A value of R-8 is better, and you can find this amount in new homes. The radiant barrier adds about this amount. In a climate like Houston, you may wish to go a bit higher in insulating value. You could add more insulation over the Radiant barrier if you want to go a little better. This would also have to be taped with the HVAC tape. My attic is a tight fit in several&nbsp;places, and this poses my greatest challenge. However, leaving the ducts unsealed is noticeable. Of the air ducts which I have sealed, I find the temperature coming out of the duct is hotter during heating months, and the temperature is cooler during the cooling months. I did not think that I had much of a sealing problem. I felt the problem in my case was poor insulation. What I discovered was that older ducts which may appear to be sealed well still need help. </p>
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<li><a href='http://yourhoustonhomeinspector.com/living-in-your-home/green-home-conversion/improving-return-air-ducts-older-homes/' rel='bookmark' title='Improving Your Return Air Ducts in Older Homes'>Improving Your Return Air Ducts in Older Homes</a> <small>In older homes, return air ducts are typically just a...</small></li>
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		<title>Could I Have a Roof Leak at a Plumbing Vent?</title>
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		<comments>http://yourhoustonhomeinspector.com/for-the-homeowner/home-maintenance-for-the-homeowner/roof-leak-plumbing-vent/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 20:30:50 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[Home Maintenance-Consumer Info]]></category>
		<category><![CDATA[flashing]]></category>
		<category><![CDATA[plumbing vent]]></category>
		<category><![CDATA[roof leaks]]></category>
<category>flashing</category><category>plumbing vent</category><category>roof leaks</category>
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		<description><![CDATA[Roof leaks are associated with problems in the roof covering, but we have various vents disrupting this surface. Plumbing vents are one of those penetrations. Older lead flashing on plumbing vents are giving way to the new plastic vents, which may not be so great.
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			<content:encoded><![CDATA[<h3>Roof leaks are associated with problems in the roof covering, but we have various vents disrupting this surface. Plumbing vents are one of those penetrations. Older lead flashing on plumbing vents are giving way to the new plastic vents, which may not be so great.</h3>
<p>
<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">I</span></big> do home inspections during the rain</span>. I joke that it is the best time to find a leak, which does happen, but going up to the roof in the rain is not the safest proposition. I do not advise people to go on a roof during the rain, yet I have done so during inspections. The one benefit is that you begin to see what you suspected. Deflections in the roof sheathing do funnel water like a small creek, causing more damage to shingles in the &#8220;creek bed&#8221; than the surrounding surfaces. You can discover that your assumption about where sealing/caulking needs to be done was correct as you see the water hold on to vents or slight nail depressions. I also had an assumption about a particular type of plumbing vent confirmed.<br />
<a href="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/11/Plastic-plumbing-vent.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F11%2FPlastic-plumbing-vent.jpg','Plastic+plumbing+vent')"><img src="http://yourhoustonhomeinspector.com/wp-content/uploads/2011/11/Plastic-plumbing-vent.jpg" onclick="return TrackClick('http%3A%2F%2Fyourhoustonhomeinspector.com%2Fwp-content%2Fuploads%2F2011%2F11%2FPlastic-plumbing-vent.jpg','Plastic+plumbing+vent')" alt="plastic plumbing vent" title="Plastic plumbing vent" width="250" height="188" class="alignnone size-full wp-image-2199" /></a> <br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"> <big style="font-family: Comic Sans MS;"><span style="font-style: italic;">A</span></big> builder thought that I was being too detailed when I made a comment about a plastic flashing on a plumbing vent.</span> &#8220;Home inspectors have to find things to justify their cost, so they point out things that are not really problems.&#8221; (How many home inspectors have heard that line?) In this case, I had pointed out that the installation of a plumbing vent had been done incorrectly. The fix was not going to be too hard to accomplish, but this builder wanted to create the idea that I make a big deal out of nothing. I am sure that sellers looking at my reports could feel the same way as well. However, I know that small problems left untreated can lead to a big mess. When I do roof inspections, I do have the tendency to be wary of plastic flashing on plumbing vents, because I do find more leaks with them than I do with lead flashing on plumbing vents. Lead flashing is not perfect, but I encounter fewer problems with them. These newer style vents can be effected by bad installation or movement in the house.<br />
&nbsp;&nbsp;&nbsp;<span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;"> T</span></big>he main problem with the plastic flashing is that it does not last as long as lead flashing</span>. The plastic relies on a tight seal on the vent pipe to stop leaks. This seal can break through exposure to the elements outside faster than the roof covering. The seal can also be damaged through excessive movement in the home. Another problem is that the bell part of the plastic can bend down to form a cup around the vent. This happens with a bad installation job, but I have seen this with movement or objects hitting the flashing. In the above photograph, I was on the roof during a rain. You can see a little pool of water being held in the flashing. This can begin to leak through the roof surface, down the vent pipe. Logically, I knew that this would happen, although I have had others tell me that I am making this up. <br />
&nbsp;&nbsp;&nbsp; <span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">H</span></big>ow can I repair these plastic flashing pieces on a plumbing vent?</span> I have seen the broken seals caulked, and this has worked. I have seen people use foam insulation on the interior, but this is a temporary fix. The best repair may be placing a new plastic cover over the older one, gluing the cover on with caulk. As for this cup effect seen in the photograph, I would suggest going into your attic. From below you can push the flashing back up into place. Then you can check for traces of light, which will show you there is a gap (the pvc vent pipes will glow with the sun light). Gaps can be caulked on the roof. Pulling this flashing bowl up form above may lead to more problems. You may not see the gaps, so that is why repairing from the attic would be better.<br />
<big style="font-family: Comic Sans MS;"><span style="font-style: italic;">&nbsp;&nbsp;&nbsp;</span></big><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;"> I </span></big>am sticking with lead flashing, but I know the plastic flashing is here to stay.</span> I am sure that this type of flashing will improve over time. I do feel that this something homeowners or home buyers should check. This can happen to these vents at any time, and a small leak left unrepaired could lead to more damage than you may expect.</p>
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		<title>30 Year Mortgage Rate Average in the Southwest Hovering Around 4.00%</title>
		<link>http://feedproxy.google.com/~r/InspectedThoughts/~3/AccULKJtBlo/</link>
		<comments>http://yourhoustonhomeinspector.com/for-the-buyer/30-year-mortgage-rate-average-southwest-hovering-400/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 20:30:06 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[For the Buyer]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[mortgage rates]]></category>
<category>Freddie Mac</category><category>home loan</category><category>mortgage rates</category>
		<guid isPermaLink="false">http://yourhoustonhomeinspector.com/?p=2120</guid>
		<description><![CDATA[Guest post detailing mortgage rates, and how they are currently hovering at a low rate.
Related posts:<ol>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/30-year-mortgage-rates-matched-alltime-record-lows-week/' rel='bookmark' title='30 Year Mortgage Rates Matched All-Time Record Lows Last Week'>30 Year Mortgage Rates Matched All-Time Record Lows Last Week</a> <small>Guest post to help guide you in choosing the best...</small></li>
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			<content:encoded><![CDATA[<p>According to <a href="http://freddiemac.mediaroom.com/index.php?s=12329&amp;item=82900" onclick="return TrackClick('http%3A%2F%2Ffreddiemac.mediaroom.com%2Findex.php%3Fs%3D12329%26amp%3Bitem%3D82900','Freddie+Mac%22s+most+recent+market+survey')" target="_blank">Freddie Mac&#8217;s most recent market survey</a>, the national 30 year fixed mortgage rate average trended lower this<br />
past week to 3.99% with 0.7 points. Regional data showed the average in the Southwestern United States slightly higher than the national rate coming in at 4.03%. The national average for 15 year rates was 3.30%<br />
with 0.8 points and was 3.36% with 0.8 points in the Southwest region. The 5/1 average in the Southwest was 0.02% lower than the national average at 2.96% with 0.6 points.</p>
<p>Below is a snapshot of current rate and term refinance Texas mortgage interest rates taken from the mortgage rate research web site, ForTheBestRate.com (11:34 MST 11/15/2011). Please visit the site for the criteria used in the survey. <a href="http://www.forthebestrate.com/" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F','current+mortgage+rates')" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F','Mortgage+rates')" target="_blank">Mortgage rates</a> are subject to change without notice.</p>
<p><b>30 Year Fixed Mortgage Rates</b><br />
Aurora Bank: 4.000% Note Rate, 1 Pt, $757 Fees, 4.157% APR<br />
Amerisave: 3.875% Note Rate, .663 Pts, $1995Fees, 4.011% APR<br />
First Financial Svs: 3.875% Note Rate, 1 Pt, $0 Fees, 3.958% APR</p>
<p><b>20 Year Fixed Mortgage Rates</b><br />
FFSI: 3.750% Note Rate, 1 Pts, $0 Fees, 3.865% APR<br />
Quicken Loans: 3.990% Note Rate, 1 Pts, $1553 Fees, 4.197% APR<br />
CloseYourOwnLoan.com: 3.750% Note Rate, .625 Pts, $1345 Fees, 3.899% APR</p>
<p><b>15 Year Fixed Mortgage Rates</b><br />
Aurora Bank: 3.125% Note Rate, 1 Pt, $757 Fees, 3.430% APR<br />
Amerisave: 3.125% Note Rate, .862 Pts, $1995 Fees, 3.397% APR<br />
First Financial Svs: 3.250% Note Rate, 1 Pt, $0 Fees, 3.396% APR</p>
<p>Zillow Mortgage Marketplace indicated that today&#8217;s 30 year fixed rate mortgage average in the State of Texas was in the 3.85%-3.90% range.</p>
<p><b>About the Author:</b></p>
<p>Nat Criss works with ForTheBestRate.com, a resource for searching <a href="http://www.forthebestrate.com/" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F','current+mortgage+rates')" onclick="return TrackClick('http%3A%2F%2Fwww.forthebestrate.com%2F','Mortgage+rates')">current mortgage rates</a> in your area.</p>
<p>Related posts:<ol>
<li><a href='http://yourhoustonhomeinspector.com/for-the-buyer/financial-knowledge/30-year-mortgage-rates-matched-alltime-record-lows-week/' rel='bookmark' title='30 Year Mortgage Rates Matched All-Time Record Lows Last Week'>30 Year Mortgage Rates Matched All-Time Record Lows Last Week</a> <small>Guest post to help guide you in choosing the best...</small></li>
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		<title>Top Ten DIY Home Inspection Tips</title>
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		<comments>http://yourhoustonhomeinspector.com/for-the-buyer/top-ten-diy-home-inspection-tips/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 20:30:49 +0000</pubDate>
		<dc:creator>frankschulteladbeck</dc:creator>
				<category><![CDATA[For the Buyer]]></category>
		<category><![CDATA[home inspection]]></category>
		<category><![CDATA[masters in real estate]]></category>
		<category><![CDATA[tips]]></category>
<category>home inspection</category><category>masters in real estate</category><category>tips</category>
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		<description><![CDATA[A guest post from Kim Reid detailing how you can perform a home inspection on your own by following her ten home inspection tips.
No related posts.

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			<content:encoded><![CDATA[<h3>A guest post from Kim Reid detailing how you can perform a home inspection on your own by following her ten home inspection tips.</h3>
<p style="margin-bottom: 0in;"><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">A</span></big>lthough a home inspector is best when you’re serious about buying a home or property, there are certain things that you the buyer or seller can address with a simple scan of the house</span>. Below are just some of the things you can look for with the naked eye when buying a home. </p>
<ol>
<li>
<p style="margin-bottom: 0in;">Cracks in the drywall &#8211; They themselves can be a minor enough issue to address but signal a more serious problem. Drywall cracks, especially those that run vertically or horizontally, can be the sign of a serious problem with the foundation. Doors that don’t open or close properly can also let you know if the foundation is in need of repair.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Wet spots &#8211; These can be common in two story houses. A look up to the ceiling can let you know if anything upstairs is leaking. A trained eye can even see if the ceiling has been repaired, which is a signal for past plumbing problems.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Cabinets under sinks &#8211; Checking the cabinets below sinks can also let you know if there is or has been water damage. Look for water stains, damp wood, or other signs that can tell you if a sink is leaking and/or if work needs to be done.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Grout issues &#8211; The bonding agent that holds tiles together can also be seen with the naked eye. Any cracks in it can signal any number of issues including foundation issues, unlevel floor, improper floor, and others.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Attic appearance &#8211; You may never use the attic, but the house sure does. Having a proper look at the attic can let you see what kind of insulation is being used and how much, if there has been any rodent infestation, and even the state of the roof, which brings us to:</p>
</li>
<li>
<p style="margin-bottom: 0in;">Roofing issues &#8211; Although a home inspector can truly tell you what condition the roof is in, you can spot issues yourself. For example, if shingles have been laid over shingles, it is definitely a sign that the roof needs work. Peeling shingles, cracked tiles, and other incongruities in the roof can also be seen with the naked eye.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Grading &#8211; Those with a keen eye can spot if the ground slopes water away from the house as it should be, instead of towards it. This is especially important in homes that have basements, as water being directed towards the house can often go into the house, which brings us to:</p>
</li>
<li>
<p style="margin-bottom: 0in;">Basement &#8211; If a home has water entry issues, the basement will show them. Moldy, wet spots in the ceiling, walls, and even floor can all be signs of serious water issues. You can even use your hand to check concrete and other areas to feel if they are damp.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Signs of infestation &#8211; When looking in the attic or in cabinets, check for wires that have been chewed through or droppings. Holes in exterior walls and chimneys that aren’t properly covered can also be signs that rodents have made this home their own.</p>
</li>
<li>
<p style="margin-bottom: 0in;">Inspect the home inspector &#8211; Getting an amateur to inspect a home you are interested can cost far more than it saves. Make sure the home inspector you choose has been in the same location, has no outstanding complaints with the local BBB, and you can even see if they are certified with an association such as the American Society of Home Inspectors.</p>
</li>
</ol>
<p style="margin-bottom: 0in;"><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">B</span></big>onus!</span> Energy star &#8211; If looking for a green home or lower energy costs, simply looking at all the appliances from the fridge to the AC and spotting the Energy Star logo lets you know if the appliance is an efficient one and can save you big bucks in the long haul.</p>
<p style="margin-bottom: 0in;"><span style="font-weight: bold; color: rgb(0, 102, 0);"><big style="font-family: Comic Sans MS;"><span style="font-style: italic;">A</span></big>uthor:</span></p>
<p style="margin-bottom: 0in;">Kim Reid is a licensed real estate agent and owns the site&nbsp;<a href="http://www.mastersinrealestate.org" onclick="return TrackClick('http%3A%2F%2Fwww.mastersinrealestate.org','Masters+In+Real+Estate+Guide')">Masters In Real Estate Guide</a>. She likes to write articles about everything related to Real Estate business and educating future agents.</p>
<p style="margin-bottom: 0in;"></p>
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