10 Easy Ways to Save Money & Energy in Your Home

  According to  InterNACHI's Home Inspection Standards of Practice , home inspectors are required to inspect the gutters and downspouts as part of the roof portion of the home inspection.   www.HomeBossInspection.com www.FLBoss.com Some important factors a home inspector should consider include: that the guttering system is adequately sized to prevent runoff; that the gutters are free of rust, cracks and holes in order to prevent leaking; and that the downspouts divert water 4 to 6 feet away from the home's foundation.             A few inches of rain falling on the roof of a house can produce several thousand gallons of water runoff. This runoff must be channeled away from the home's foundation. Otherwise, the excess water can quickly saturate the soil surrounding the building and wick through the foundation to the interior. (See Figure 1 below.) Once inside, this moisture can lead to a variety of problems, incl...

Purchasing foreclosed homes in desirable areas at below-market values can be a sound investment strategy. Appreciation on their original prices may be tax-free.  Buying foreclosed rental properties can provide positive cash flow, as well as valuable tax deductions. On the other hand, buying a foreclosure involves homework, patience, and a certain amount of luck. For those wishing to get a bargain house through the foreclosure process, it’s best to learn the basics. www.HomeBossInspection.com Four Ways to Buy a Foreclosed Home A  presale  is when the prospective buyer negotiates with the current owner before the house is foreclosed upon. Presale discounts can be considerable, but communicating and reasoning with the owner isn’t always easy; they might have legal problems, lost their phone service or electricity, or greet you with suspicion, having already been hounded and threatened by creditors. And after time and energy have been invested, the de...

Outdoor air pollution in cities is a major health problem. Much effort and money continue to be spent cleaning up pollution in the outdoor air. But air pollution can be a problem where you least expect it, in the place you may have thought was safest -- your home. Many ordinary activities, such as cooking, heating, cooling, cleaning and redecorating, can cause the release and spread of indoor pollutants at home. Studies have shown that the air in our homes can be even more polluted than outdoor air. Many Americans spend up to 90% of their time indoors, often at home. Therefore, breathing clean indoor air can have an important impact on health. People who are inside a great deal may be at greater risk of developing health problems, or having problems made worse by indoor air pollutants. These people include infants, young children, the elderly and those with chronic illnesses. Many factors determine whether pollutants in your home will affect your health. They include the presence, us...

There are a number of measures that homeowners can take to ensure that their homes are not attractive to burglars. If clients are concerned about break-ins, inspectors can pass on to them basic strategies for burglar-proofing their homes. www.HomeBossInspection.com Some interesting statistics concerning break-ins in the United States: InterNACHI estimates that theft makes up more than three-quarters of all reported crime.   In 2005, law enforcement agencies reported more than 2 million burglary offenses. According to a survey, burglars enter homes through the following locations:  81% enter through the first floor; 34% of burglars enter through the front door; 23% enter through a first-floor window;  22% enter through the back door  9% enter through the garage; 4% enter through the basement;  4% enter through an unlocked entrance;  2% enter through a storage area; and   2% enter anywhere on the second floor...

The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single-family mortgage insurance programs. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes. The Section 203(k) Program is  HUD's primary program for the rehabilitation and repair of single- family properties. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities. Since these are the primary goals of HUD, it believes that Section 203(k) is an important program and intends to continue to strongly support the program and the lenders that participate in it. www.HomeBossInspection.com Many lenders have successfully used the Section 203(k) Prog...