Wednesday, November 26, 2014

Home Buying Mistake to Avoid: Skipping the Home Inspection

1. Using the wrong real estate agent. Just because your sister’s college roommate’s friend just got a real estate license doesn’t mean she’s the right agent for you. San Francisco real estate agent Herman Chan suggests vetting agents and looking for someone who does real estate full time and knows the local inventory. “You can lose an offer if you’re not responsive in a couple of hours,” he says. Request the agent’s sales data, and find out how he or she communicates. Chan recommends asking questions like these to gauge the agent’s tech-savyness: “Is it OK if I text you? Is it OK to DocuSign things? If I can’t make an open house on Sunday, can you shoot me a video?” If you prefer to check texts and emails on your phone, you may not want an agent who insists on faxing contracts.
2. Shopping before you get preapproved. Before you get serious about buying real estate, find out how much mortgage you qualify for and get a preapproval letter from your lender. “If you fall in love [with a property], write that offer and then find out you can’t afford it, it’s an emotional roller coaster you can’t afford,” Chan says. Many agents won’t even take buyers to showings until they have a preapproval letter for that very reason.
3. Maxing out your spending power. Qualifying for a half-million dollar mortgage does not mean you should buy a McMansion. Jon Sterling, regional sales manager for Chase International Real Estate in Lake Tahoe, Calif., says he’s seen people, especially first-time buyers, make this mistake. “It’s wiser to be a little more conservative,” he adds. Homeowners have additional expenses such as property taxes, condo fees and maintenance that renters do not, so some first-time buyers fail to budget for these extra costs and assume they can afford a monthly mortgage equivalent to the rent they paid. “If you buy into a [homeowners association], you don’t know what their future plans are,” Sterling says. If, for instance, a storm rips the roof off the clubhouse or the association decides to upgrade the common areas, you may get hit with a special assessment to cover those costs. For these unexpected situations, it’s a good idea to keep a cash reserve on hand. Some dual-income couples choose to qualify based on just one income to give themselves a financial buffer.
4. Taking advice from outsiders. Parents, relatives or friends who haven’t bought property in the local market may not understand local pricing and market conditions. Parents or in-laws who own houses in the suburbs may also have unrealistic expectations about what the equivalent amount of money buys in the city. “Be careful about people that are giving you advice from across the country,” Sterling says. When parents are gifting money for a down payment, their input may be necessary, so Sterling tries to show properties only when “all the decision-makers are in the car.”
5. Skipping the inspection. Home inspections can help alert potential buyers to problems such as structural issues, faulty wiring and other problems a layperson probably wouldn’t spot. But if you’re in a market that moves quickly, you might be tempted to skip an inspection to make the offer more appealing, Sterling says. Insisting on an inspection might slow the process, but as he points out, “any seller that is going to knock you out because of that is probably hiding something anyway. You’re spending hundreds of thousands of dollars, [so you want] to make sure you’re getting what you think you’re getting.”
6. Overdoing contingencies. While home inspections are recommended, Michael Alderfer, a Washington, D.C., agent with the national real estate brokerage Redfin, says some homebuyers include so many inspection-related contingencies that it can scare off the seller and his or her agent. “Some buyers are nervous, so they’re looking for extra ways to change their mind and walk away,” he says. “You can write a competitive offer without all these extra things and leave yourself a couple of ways to get out.” He suggests talking to your agent before submitting the offer, so you’ll feel confident your interests are protected.
7. Getting too attached to one property. In competitive markets, you may have to put in offers on several properties before one is accepted. Alderfer says some buyers get so infatuated with one property that a rejected offer hits them hard. “It’s OK to feel anxious, but you need to be able to fall in and out of love during a home search,” he says. “If you find a home that you think is perfect for you and you don’t get it, you can’t stay down too long. You have to recognize that wasn’t the house for you.”

Wednesday, November 19, 2014

Home Window Blinds and Child Safety



About once a month in the United States, a child between 7 months and 10 years old is strangled in the cords of window blinds and shades.
Typically, the child wraps the cord around his neck or pulls on cords—which are not clearly visible but are accessible—then gets tangled up in the loops. Strangulation deaths and injuries can happen quickly and silently, and they occur no matter how vigilant parents are. More than 180 kids were strangled in the cords from 1996 to 2012, according to the Consumer Product Safety Commission.
The CPSC has recalled (PDF) millions of window coverings with cords in recent years. Manufacturers operate under voluntary safety standards, a situation that does not adequately address the problems. The rate of injuries and death has not significantly declined over the years that Consumer Reports has covered the hazards of cords on window coverings.
Consumers Union, the policy and advocacy arm of Consumer Reports, has pressed companies to make window coverings safer, and we’re part of a coalition that has petitioned the CPSC to develop formal rules. The group includes the Consumer Federation of America, Independent Safety Consulting, Kids In Danger, Parents for Window Blind Safety, Public Citizen, and U.S. PIRG. In a unanimous vote last month, the CPSC agreed to move forward on our petition and begin the process of rulemaking.
The coalition has pointed to the fact that safer window coverings are already on the market and that such designs can be used on the vast majority of blinds and shades. Since the industry has resisted calls to eliminate dangerous cords even though those safer options exist, we believe a mandatory standard is necessary to ensure unsafe products will no longer be sold.
Consumers Union and other groups will continue to work to get a strong rule established as soon as possible.

How to keep your child safe

Follow this advice from the CPSC.

• Examine all shades and blinds in your home. The CPSC recommends cordless window coverings in all homes where children live or visit.

• Make sure there are no accessible cords on the front, side, or back of the window covering.

• Keep cribs, beds, and other furniture away from windows with shades or blinds. Children can climb on the furniture and gain access to the cords.

• Make loose cords inaccessible.

• If the window shade has looped bead chains or nylon cords, install tension devices to keep the cords taut.

To learn more about what you can do to avoid a tragedy in your home, visit the CPSC’s window covering information center.

Guaranteed Property Inspection & Mold Investigation Receives 2014 Best Businesses of Irvine Award

Press Release
FOR IMMEDIATE RELEASE
Guaranteed Property Inspection & Mold Investigation Receives 2014 Best Businesses of Irvine Award
Irvine Award Program Honors the Achievement
Irvine, November 19, 2014 — Guaranteed Property Inspection & Mold Investigation has been selected for the 2014 Best Businesses of Irvine Award in the Home Inspectors category by the Best Businesses of Irvine Award Program.
Each year, the Best Businesses of Irvine Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Irvine area a great place to live, work and play.
Various sources of information were gathered and analyzed to choose the winners in each category. The 2014 Best Businesses of Irvine Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Best Businesses of Irvine Award Program and data provided by third parties.
About the Best Businesses of Irvine Award Program
The Best Businesses of Irvine Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Irvine area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.
The Best Businesses of Irvine Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.
SOURCE: Best Businesses of Irvine Award Program
CONTACT:
Best Businesses of Irvine Award Program
Email: PublicRelations@BestBusinesses.biz
URL: http://www.BestBusinesses.biz
###

Thursday, October 16, 2014

How to Find the Best Home Inspector

Hiring a professional home inspector before purchasing a home is a smart thing to do,
but how does one find the best inspector?

Only one state recognizes the potential conflict of interest when a real estate agent selling a home also recommends a home inspector to the buyer. 

Some people may ask, “what’s wrong with the real estate agent recommending a home
inspector to a prospective buyer?” The answer is: A real estate agent works for
a sale, (a thorough home inspection can just get in the way.) A good home inspector works for the person who hires him/her (the prospective homebuyer) and not the real estate agent.

 There have been many cases of unhappy buyers and court case involving agent referred home inspectors.
http://lawlibrary.rutgers.edu/courts/appellate/a6252-99.opn.html

Hiring the cheapest home inspector, rather than one certified by the American Association of Home Inspectors: (ASHI); will make sure you get an inexpensive inspection, but not a good and thorough one. 

Cheap home inspectors are new, non-certified and low balling prices to get work in a very competitive industry. They also want to please the real estate agent, to get future referrals.

Always verify that your potential inspector in certified by ASHI by going to http://www.ashi.org. The ASHI website will also list any special skills your inspector has such as mold certifications. 

Hiring anyone who is not ASHI certified, is taking a dangerous gamble: with a very large investment and the safety of your family (for hidden safety hazards, that a good inspector will find).

The is truly a service, where you get what you pay for.

One in five homeowners said they wish they’d inspected the home more carefully before moving in— a according to a survey by Trulia.


Wednesday, October 15, 2014

Health Effects of Mold

Here is a video on the Health Effects of Mold produced by IAQA.org.


Toxic Mold and Chronic Fatigue Syndrome CFS

Here is an article on mold as it relates to Chronic Fatigue Syndrome found at the Washington Post:

What is chronic fatigue syndrome, and why aren’t we doing more to treat the illness?

 October 6
Eight years ago, collapsed on a neurologist’s examining table, I asked a naive question that turned out to be at the center of a long-running controversy: “So what is chronic fatigue syndrome?” I had just been diagnosed with the illness, which for six years had been gradually overtaking me.
A week earlier, I had woken up barely able to walk. Fatigue hardly described what I felt. Paralysis was more like it. My legs seemed to have been amputated and replaced with tubes of liquid concrete, and just shifting them on the table made me grunt like an Olympic weightlifter. My bones hurt; my brain felt like a swollen mass. Speaking required tracking down and spearing each word individually as it scampered away from me. I felt as capable of writing an article about science — my job — as of killing a rhino with my teeth.
“We don’t understand it very well,” my neurologist said, his face blank. He could recommend no tests, no treatments, no other doctors. I came to understand that, for him, the term chronic fatigue syndrome meant “I can’t help you.”
My neurologist’s understanding of the illness mirrored that of many doctors, who believe two things about CFS: that it’s probably psychosomatic and that there’s nothing doctors can do for it. One survey found that nearly half of doctors thought that CFS was or might be psychosomatic, and 58 percent said there wasn’t enough information available to help them diagnose it.
An examination of medical textbooks found that CFS was underrepresented, even compared with less-prevalent illnesses.
A study published in March reported that some doctors have little understanding of the condition and are skeptical that it exists. Researchers and clinicians specializing in the illness argue that science long ago showed that the disease has a biological basis and that there are treatments that can help, though not cure, it. Because of doctors’ lack of knowledge, patients don’t get the help they need, but they often feel they get a helping of scorn. 
For example, Laura Hillenbrand — who went on to write the bestsellers “Seabiscuit” and “Unbroken” — came down with the illness at age 20 and, finding herself unable to read, speak coherently or stand up, took a leave from college. Her internist sent her to a psychiatrist, told her the symptoms were those of puberty and wrote in her chart, “Couldn’t handle school. Dropped out.”
A big part of the reason patients don’t get the help they need goes back to my question on the doctor’s table: What is CFS? There is no single, widely accepted definition of the illness, and some are so broad that patients under the CFS umbrella can have almost nothing in common with one another. This disparity stumps doctors, leading them to consider the illness psychosomatic.
Recent efforts to address the problem have led to infighting, with patients and experts arguing that the effort may only lead to further confusion. Last year, the Department of Health and Human Services commissioned the Institute of Medicine to develop yet another definition of the illness for clinicians. But about 50 doctors and researchers who specialize in CFS revolted and wrote to HHS requesting cancellation of the contract. Hundreds of patient advocates wrote to HHS to support them. The specialists argued that the $1 million effort was wasteful and poorly planned and that HHS should simply endorse the definition these experts had already created. Spend the money on research instead, they argued.
“We chose the Institute of Medicine because it is the gold standard for recommendations in the medical field,” says Nancy Lee, HHS’s deputy assistant secretary of health, “and it has credibility and reach that nobody else does.”
This is just the latest clash in a long string of disputes between federal agencies and the CFS community that have hamstrung efforts to understand a disease that, according to a 2008 economic analysis, costs the nation as much as $24 billion each year.
Worse, better, worse
At the time of my diagnosis, I was focused on learning to cope, not on the politics of CFS. A couple of weeks after seeing the neurologist, I felt well enough to venture to the grocery store. By the time I put the bags in the car, though, I was quivering with exhaustion. That night, I was too weak to turn over in bed. Overexertion, I realized, was my enemy. So I began a program of aggressive rest, and, gradually, I got stronger.
But over the next five years, I got worse again, then better, then worse. I consulted doctors, but they couldn’t help much. Each time I was stuck in bed, I scoured my activities, my diet, my environment, seeking a reason for my misery. I finally gave up the search, saving my scarce energy and money for living my life. I worked when I could and rested when I had to.
Then in 2011, I disintegrated. Day after day, I couldn’t get out of bed, couldn’t work, couldn’t even focus my eyes to read a novel. I flew to the University of Miami and staggered into the office of Nancy Klimas, an immunologist and CFS expert. She smiled and said, “Your legs aren’t working too well for you there! We should be able to get you feeling better.” I nearly cried.
She told me that although CFS didn’t yet have a cure, she and other researchers had discovered quite a bit about it. At that time, many thought a retrovirus called XMRV might be the cause. Klimas was skeptical (and soon thereafter the theory was disproven). Regardless, she told me, she and other researchers were certain the illness wasn’t psychosomatic. The physiological abnormalities in CFS patients were too consistent for that.
She soon confirmed those patterns in me: Some parts of my immune system barely functioned, while others were in overdrive. Several viruses had become reactivated in my body, causing mischief long after the initial infection was past. My heart couldn’t pump enough blood to my brain when I stood up: After six minutes of standing still, my blood pressure plummeted to 80/52, my heart raced and I begged to lie down lest I vomit or pass out.
Klimas couldn’t cure me, but she helped. She gave me immune modulators so my immune system wouldn’t overrev as though I were fighting an eternal flu. She worked to improve my sleep, suggesting a monitor to study my patterns. She prescribed beta blockers to steady my heart rate when I stood. The most effective treatment was astonishingly simple: Gatorade. Electrolytes increased my blood volume — typically 20 percent low in CFS patients — thereby stopping my blood pressure from dropping so dramatically. She also aggressively monitored me for cancer, since my natural killer cells, the immune system’s main cancer assassins, barely functioned, as is common in CFS patients.
I improved enough to work a little bit, and it was a tremendous relief to have a knowledgeable and compassionate doctor behind me. Still, Klimas (who also treats HIV/AIDS) says that if she had to choose between having HIV and having CFS, she’d unquestionably choose HIV.
I was fortunate to get such competent care. There are perhaps a couple of dozen U.S. specialists to treat the 1 million Americans with CFS, and most non-specialists are as hamstrung by lack of knowledge about the illness as the neurologist who diagnosed me.
That’s the precise problem that HHS says it is trying to solve by having the Institute of Medicine create a new definition for doctors. A recommendation from this prestigious body is what is needed, HHS says, to educate rank-and-file doctors about the illness.
Many CFS activists and researchers have grown suspicious of the federal agencies, however. They say that the Centers for Disease Control and Prevention has exacerbated the definitional muddle, having contributed to the creation of multiple, broad definitions for the illness.
These varying definitions have not only confused doctors; they’ve also made a hash of the research, with different studies analyzing patients who may have nothing in common. The name “chronic fatigue syndrome,” which became widespread after the CDC endorsed it, has also reinforced skepticism about the illness. After all, aren’t we all chronically fatigued? (The Institute of Medicine has also been charged with recommending whether the name should be changed.)
Furthermore, the National Institutes of Health spends only $5 million a year on CFS research; by comparison, it spends $3 billion on HIV/AIDS research (which, like CFS, affects about a million Americans). Mariela Shirley, an official at the NIH Office of Research on Women’s Health, says funding is determined by the number of researchers in a field, their experience in competing for NIH funding and other factors.
In addition, Klimas told me, “I’m afraid they’re about a year early.” If HHS had waited, she said, the agency could have developed a definition grounded in data. Several large studies (including one by the CDC) are collecting tissue from more than 1,000 patients and controls, looking for biological indicators that most effectively distinguish the two groups.
Without that evidence, Klimas said, a committee might dismiss the results of the many small studies that point toward such indicators — a dismissal that could lead to yet another broad, confusing definition.
(Klimas, now at Nova Southeastern University in Fort Lauderdale, Fla., accepted a position on the committee after she was interviewed for this article.)
These disputes are heartbreaking when the needs of CFS patients are so great. Even the high-quality treatment I got from Klimas helped me only slightly. A year after I saw her, I heard from some patients who had significantly recovered from CFS through assiduously avoiding exposure to mold and other environmental contaminants. Although I considered the theory wacky, I was desperate enough to experiment. And for me, it worked. Two years later, I can go running, write articles and travel with my new husband. Every time I do, it feels like a miracle.
After spending two weeks in the desert with none of my own stuff to get clear of toxic molds, I found when I returned that my own home and belongings could cripple me within minutes. By staying away from any building or object that made me sick, I felt dramatically better and got healthier over time.
The role of mold in CFS has received nearly no scientific study, just like many other promising areas of research in the illness.
Yes, we need a sound, accepted definition, but we also need so much more. It’s time to treat patients with respect, to move beyond political squabbling and to make an investment in researching this illness that is in proportion to the devastation it causes.
Rehmeyer is a math and science writer in Santa Fe, N.M. A version of this article appeared originally at the science writers’ blog The Last Word on Nothing.

Tuesday, October 14, 2014

The Home Inspector is on Your Side When Buying or Selling

When you are buying, or selling a home, the home inspector is on your side.

Home inspectors are there to let you know what the condition of the property, not to sell you repairs (it is against the law to offer to do repairs), not to make the sale (we get paid, whether you buy the house or not),  and not to make your real estate agent happy (they are not our clients)

In fact, in most situations, we are the only person involved that does not have a financial bias.

To find a properly certified and ethical inspector call me, or visit ashi.org to find and inspector in your area. Be sure to pick your own inspector. Your realtor may like a specific inspector, for reasons that are not in  your best interest.