Thursday, March 14, 2013

"So You Want To Build A Home Gym"

I walked into the commercial gym yesterday after a long day of work excited to begin my workout. After warming up I proceeded to the squat rack to start my resistance training workout. I unfortunately ran into a bit of a roadblock. I was planning on starting with some Back Squats but there was a young man in the power rack performing barbell biceps curls with horrible form (a definite no-no!).

I decided to go to Plan B and rearrange my workout only to find that the flat benches were all occupied as well. This trend continued and everywhere I turned the equipment I desired was being used. I was happy that so many people were working out but at the same time I was frustrated that my well-laid plans were spoiled. I learned a long time ago that it is wise to have a back-up plan in place for situations like this so I decided to head home and revert to Plan C, which was my home workout routine.

I have found that having the option to workout at home is essential for people with busy schedules, for others who do not like going to crowded gyms, or for people who need a contingency plan for just-in-case situations (that's me!). Another reason to have a home gym is that warmer weather has finally arrived and you may be less likely to go to your commercial gym.

I have helped people design expensive, well-equipped home gyms and I have helped others design very cost-effective, space-saving workouts areas. My personal home gym consists of a Stability Ball, 5lb to 95lb Dumbbells, some Kettlebells, an adjustable Weighted Vest, Adjustable DB Handles, Elastic Bands, 2kg to 10kg Medicine Balls, Ankle Weights, an AB Roller, a variety of Exercise Videos, and a minimal amount of space!

Anyone can have a Home Gym and there are many reasons to have one. The following list of questions should help you design a Home Gym that will suit your needs, your space, and your budget!

Questions To Ask When Building Your Home Gym:

The First Step: Ask Yourself Why?

Why do you want a home gym? What will it give you that you do not already have? What is your empowering vision of your ideal physique or athletic accomplishment? What are your short and long term goals? Always begin with a vision of the end results in mind, as this will guide you in your efforts. If you have not developed a vision of what you want to accomplish at this point, then that is the first thing you need to do. Develop a plan of attack for building your body and building your home gym.

Without a plan you might end up disappointed with the lack of results and frustrated that you bought the wrong equipment. Ask yourself what kind of results you expect your home gym to deliver? Is your home gym going to supplement your commercial gym membership (as a contingency plan)? Will you be doing your cardiovascular exercise outside or inside on a machine? Will you be doing stretching, strength training, or both? Is your home gym going to be the only place that you work out? Think about these things when designing your home gym.

I. How much are you willing to spend ($$$$$$$)?

How much do you want to spend, plain and simple? If you are just starting out with an exercise program, you might consider starting small with a simple, yet very effective, pair of Dumbbells. You can perform a full-body workout with a pair of dumbbells, some bodyweight exercises, and with a little knowledgeable of proper exercise technique. If you want to do it inexpensively, hire a knowledgeable fitness professional to design an individualized exercise program that you can do with a pair of Dumbbells in the comfort of your home. I have listed a variety of items that you might consider adding to your home gym.

Equipment Considerations:

A. Cardiovascular Machine

If you insist on performing your cardiovascular exercise routine at home be prepared to spend some money! Be aware, a gym quality treadmill, stationary bike, rowing ergometer, or elliptical trainer is going to cost you. You can buy used or refurbished gym quality equipment for a discounted price and if I wanted a cardio machine for my home this is probably the route that I would take. If you are thinking, "I'll just save a few hundred dollars and buy an inexpensive treadmill at the mall," make sure you do some research and ensure that you will buy something that is going to last and that will fit y our needs. I know many people who have purchased flimsy treadmills and regretted it soon thereafter. There are quality treadmills out there you just have to know where to look. I would recommend talking to my friend Bob McKinnon at McKinnon Technical Services (603-644-7539) who knows gym equipment like the back of his hand. He can point you in the right direction if you want to!

B. A Multi-Purpose Home Gym Machine

There are numerous multi-purpose gyms on the market and some are better than others. Chances are, if you turn on your television late at night and flip through the channels, you will be exposed to clever marketing using beautifully sculpted fitness models promising results in six weeks or less if you purchase their machine! Guess what. You can get results without a two thousand dollar machine that will most likely be collecting dust in a year anyway! Why not begin your quest for improved fitness with a modest investment in a pair of Dumbbells? Why not purchase a $20 book on how to get into shape? How about meeting with someone who specializes in coaching people through the process of positive physical change such as fitness professional or Registered Dietician? Infomercials are notorious for clever marketing and they can be very compelling. Avoid impulsive buying and do some research first before purchasing an expensive multi-gym. I recommend consulting a qualified fitness professional about the usefulness of such a machine, interviewing people who have that machine, and possibly even test-driving one before you make this decision. I have to mention that every Spring and Fall I see countless multi-gyms sitting out on someone's lawn as part of the annual yard sale. I wonder why that is?

C. Barbells

If I had the room in my apartment, I would go out and buy a Barbell today! With a 45 lb. Olympic Barbell you can perform a wide variety of exercises in a variety of different ways. If you are an athlete, you have the space available, and you want to improve your sports performance, learning how to correctly perform the Olympic Weightlifting movements (Clean and Jerk, Snatch, and all the variations) can take your performance to the next level! To name a few, exercises such as Squats, Overhead Squats, Deadlifts, Bent over Rows, Bench Presses, Overhead Presses, and Upright Rows can be performed. I would recommend having an adjustable Power Rack and adjustable bench to augment the versatility of the barbell. Space and total cost are big factors when considering purchasing a barbell.

D. Dumbbells

If you want to save money and space, dumbbells are the way to go. You might consider two to three sets of dumbbells (they can be purchased at a sporting goods store for any where between $.35-$.75/pound (In Concord, NH, Check out Olympia Sports in the Mall, Sears, Target, Walmart, Northeast Fitness, or check out the newspapers for the least expensive way to go!). I prefer the metal dumbbells but there are also rubber coated and adjustable dumbbells available. "Power Blocks," (perform a search on the internet to learn more about these) are adjustable dumbbells and are a great tool that take up a lot less space in your home gym, offers great versatility, and offers adjustable resistance to suit your needs. There are also other forms of adjustable dumbbells that consist of two handles, collars, and series of different size weight plates.

When selecting weights, it wise to start light and gradually purchase heavier dumbbells as you need them. I am able to perform wide variety of exercises with Dumbbells. If your goal is fat-loss, then a properly designed resistance training program that incorporates multi-joint Dumbbell exercises will help you achieve your goals more efficiently than many gym machines that "isolate" certain muscle groups. Remember, the more muscle groups that you incorporate, the more energy your body burns, and the better your results will be! Exercise technique is a factor but I'll happily let you know that I have taught 90-year-old women and 11-year-old boys how to perform the most "difficult" Dumbbell exercises with pristine form.

E. Medicine Balls

Medicine Balls are a great tool depending upon your fitness goals and your current training level. For an athlete in search of sports performance enhancement, Medicine Balls are a great tool because they can be accelerated in a rapid fashion through many planes of motion. If general fitness is your goal, you can perform many traditional gym exercises with a Medicine Ball as well. Medicine balls come in all shapes, sizes, weights, and colors. Be sure that the ball you pick suits your needs. By the way, these are also great for outdoor workouts on a sunny day!

F. Benches and Stability Balls:

A bench can be a great tool that will allow you to perform more exercises during your home workout sessions. Some benches are adjustable and offer great versatility while others are just fixed benches. Space is a concern for many people and that makes the Stability Ball (a.k.a. Swiss Ball) a great alternative to a bench. With a Stability Ball you can perform inclined, seated, prone, supine, floor, and a number of lower body exercises. A knowledgeable fitness professional could teach you how to perform a full-body workout with a Stability Ball and a pair of dumbbells. There are a number of different ways to use it in order to maximize your home workout routines. Not only can it replace a more expensive exercise machine or bench, but it can also double as a chair, take up less space, and challenge your body's balance in ways that a stable bench/machine cannot.

G. Resistance Bands/Tubes:

The cable pulley system at your local gym offers a number of exercises that can increase the variety of your workouts tremendously. An alternative to the cable pulley system for your home gym could be resistance bands or tubing that you can tie to a pillar in the basement of fix in a closed door. You can buy tubing that comes with handles already attached in some fitness catalogs or you could just tie a loop in one end to make your own makeshift handle. It is important to mention that elastic resistance training has many benefits and many inherent flaws. If you understand how to properly combine elastic resistance training with inertial (free weight training) you can maximize your results! A knowledgeable exercise professional can help you design your home gym to take advantage of these tools.

H. Exercise Videos:

There are many great exercise videos out there (and a lot more bad ones!). There are videos for Yoga, Step Aerobics, Tae-Bo, Pilates, Strength Training, Stability Ball Training, and every other imaginable fitness topic out there. Check out your local sporting goods store or Borders for a selection of exercise videos. The key is to find a couple videos that you enjoy and that give you the workout that you are looking for.

Friday, March 8, 2013

Prefabricated Home Packages

This is by no means an exhaustive list of what's available in the area of prefabricated homes and buildings. This article is to introduce you to the world prefab. If you're in the industry, you'll probably be cringing about now at the word "prefab". But, the word is one that has become synonymous with homes and buildings that have been partially or fully assembled in a factory setting. 

I for one am excited to see the latest versions of modern prefabs emerging globally. They're well thought out, beautiful, and energy-efficient.

And to anyone who has any doubts about the quality of today's prefab homes, I'd ask, would you rather buy a house whose parts have all been crafted outdoors exposed to the elements -- by hand. Or, would you rather buy a house built in a factory setting to tight specs exceeding that of site-built homes. I say exceeding, because a normal site-built home doesn't have to endure the rigors of transportation.

1. Manufactured

Single-family residential dwellings consisting of one, two or more sectional units and constructed to Federal HUD code. Zoning regulations and ordinances of the local Municipality or County might not permit use of mobile and manufactured homes in all areas of their jurisdiction.

2. Modular

Modular refers to a method of building a home, rather than a type of home. A modular home can be built in a factory from a stock modular home plan or from a customized plan, to the state, local or regional codes of where the home will be set up. Modular homes have not typically experienced the zoning restrictions and discriminative ordinances applicable to manufactured and mobile homes.

3. Panelized

Panelized homes are factory-built homes in which panels -- whole walls with windows, doors, wiring, and outside siding -- are transported to the site and assembled. Panels are made from insulating foam sandwiched between two layers of structural material. The panels are lightweight and might already be filled with insulation when they arrive on the site. The homes must meet the state or local building codes of where they are sited.

4. Steel-frame

Steel framing is an equivalent to conventional stick frame or post & beam home design where the structural lumber is replaced by steel studs and trusses or steel posts and beams. Light-Gauge Framing System features screw-together, galvanized stud-and-truss, grid-type construction system built on 4-foot center.Red-Iron Metal Post & Beam Systems features bolt-together, pre-engineered post-and-beam-type framing system that uses the red-iron steel "C" beams on 8-foot center. The prefabricated home built with this method can be single-story, two-story, and even tri-level home.

Unlike conventional wood framed home that requires interior walls to support the roof, the higher strength-to-weight ratio of steel house allows to span greater distances with less material and fewer supports. The result is higher floor layout and interior design flexibility.

Unlike wood, steel won't shrink, rot, warp, buckle, split, or be attacked by insects. This results in greater durability, lower long-term maintenance, higher energy efficiency and overall greater quality of this prefabricated home.

5. Precut

This category includes wood-framed factory-built houses or cabins where building materials are factory-cut to design specifications and transported to the site to be assembled. PrefabExpo.com presents prefab building kits designed as wood-framed (also known as balloon-frame, 2 x 4, 2 x 6 or stick-built construction) as well as prefabricated home kit / cabin kit using post-frame method. The homes or cabins must meet local or state building codes of the area where they will be sited.

6. Cedar

According to Katahdin Cedar Log Homes, cedar is aromatic to people, and problematic to insects: The heartwood of northern white cedar produces organic compounds called thujaplicins - which create that fresh, pleasant cedar aroma. But to insect pests, such as moths and termites, cedar just plain stinks. They'll avoid cedar homes and instead search out inviting, tasty pine structures.
Cedar home kits include everything you need to build the home, itself. That is to say, the walls, the floor, the ceiling, the windows and doors. But your foundation, plumbing and electrical system are not usually included in a kit.

7. Timberframe

Timber framing is a specific type of post and beam construction in which a frame is created from solid wood timbers that are then connected by any one of the following wooden joints: mortise and tenon, dovetails, or scarfs secured with hardwood pegs. The frame is covered with any one of a number of enclosure systems. Normally the timbers remain exposed to the interior of the building.
Timber frame structures exhibit a strength and aesthetic quality not found in conventionally framed houses. The timbers are pre-cut, shaped, and finished at the factory, then sent to the construction site, where they can be quickly assembled by a crew, routinely using cranes to lift the bents and beams into place. The use of quality wood, enhanced by joinery that compares with fine cabinet making, maximizes the strength of the timberframe structure. Joinery is the heart of the entire structure.

8. Log

Log homes provide their owners with a comforting and relaxing sense of informality and simplicity. The mass of logs produces heating and cooling benefits, and reduces noise transmission into and throughout the home. These are very attractive characteristics, but there are also challenges in construction and limitations in decorating. These aspects require special design considerations and have unusual maintenance requirements.
Basic Kits Are...

WALLS ONLY: The walls-only log home package includes all the logs for the outside walls, including fasteners. Roof beams and staircases may be added.

STRUCTURAL SHELL: Shell This package includes everything that's in the walls-only package, plus all components necessary to keep the weather out, such as exterior doors, windows, and the roofing system.
THE COMPLETE PACKAGE: Complete packages also includes interior components required to finish log homes. Such items include interior walls, stairs, closets, interior doors and trim.

9. Circular

The circle is the strongest geometrical shape we recognize, and this factor likely influenced builders of circular homes for thousands of years. Prefabricated circular buildings have been built as cabins, studios, homes, offices or community halls and convention centers.

Most of today's prefabricated circular homes and cabins offered across the country use conventional wood-frame or post & beam construction method. These homes and cabins are ideally suited to take the full advantage of locations offering exciting panoramic views, and to incorporate factor of the surroundings into the home design.

10. Dome

Geodesic Dome is using triangular networks forming hexagons and pentagons and creating a free-span, spacious environment of spherically shaped structure requiring no internal supports. This results in large flexibility for utilizing interior space to implement floor designs not limited by structural restrictions. Because of the structural strength of the shape, the domes have a far better record of withstanding tornados, hurricanes and earthquakes than cube-shaped structures of conventional homes.

Friday, February 8, 2013

The Difficulties, Challenges and Problems Of Teleworking, Telecommuting and Working at Home

Working at home, from home, in your pajamas, in the nude, at the beach, working from bed or the easy chair - these are all the images and joys of home working that Kate and I enjoy and many others too. Kate and I sell Real Estate; that is perhaps the most popular telecommuting, work at home; pick your own hours job, in the country.

There are some difficulties that go with working at home. Perhaps half of the people who start working from home don't succeed, mostly due to lack of personal discipline or family discipline.
There are freedoms of working from home and along with freedoms go responsibilities. Those freedoms of working at home can also be challenges to responsibility which will lower your production and moral as you fail to meet deadlines and quotas.

I have been telecommuting or teleworking; since we imported the term teleworking from the Brits and it's now used by our Federal Government; and believe me I would rather work from home and my car than from a cubical. Since I entered the work force, I prefer me as my boss and get more done that way. I get to decide importances and have seldom found a boss that is not prone to wanting sillier busy-work than I'm willing to do.

One boss I had, my brother, had over 150 pieces of paper to fill out for selling a mobile home. On my own, I used two - the sales contract and the certificate of title. In the 8 hours it took me to fill out the 150 pieces of paper, I'd get "interrupted" by sales calls and showings of homes, so the paperwork of one sale took a week at times.

As a home-worker I get to determine what works and what doesn't. One boss I had, a client who bought about 50 properties from me, was convinced that I should advertise her properties for sale with no price - so I would get calls. That was, and is, stupid. I did not want calls. I wanted prospective purchasers.

One of my clients wanted me to run these blind ads, ads with no price and I wouldn't do it. So, he placed an ad in the New York Times and another in The Wall Street Journal. "Waterfront home, 3 BR, 2BA, Fireplace, Boat Dock, Scrn Prch, at the Beach -- $39,000" and put my phone number on the ad. I got several hundred phone calls and not one, that's right not one, was a prospective purchaser. Why? Because it was a trailer on a rented lot in a trailer park and it was 500 miles from New York City. His idea was to make the phone ring; an altered priority. Now, when you go to my web site you will find properties for sale that tell everything about the property and usually with a map.

You see I don't want calls that are not interested in what I have to sell at the price I need to get. As my own boss I do the ads my way and not based on somebody else's "idea" of what is right or workable. These freedoms, chief among them the freedom FROM idiocy of bosses, are precious. However, I also have to find out what works and take chances without a boss to blame the errors on.

Working at home is great, but not easy. To excel; to make it even, you must have exceptional personal discipline, organizing skills and persistence. Those who work less at home than in the office will certainly make far less working at home than working in the office. In the office you may take a thirty minute coffee break and not get caught. At home, with that sort of discipline, your coffee break may go on for hours or even days. Or you may just sleep in and not even get up to make the coffee. for hours, days or weeks. And there goes the rent or mortgage payment and there goes the house.

Working at home is freeing. There is no dress code. You can work in your pajamas, your shorts, or even work at home in the buff - naked. However, we all know that when we dress up, at least some of us act more professional. And with no bosses slipping by the cubical to check over your shoulder - what are you working on?

I will tell you this: when I did some work as a business consultant for a large consulting firm - the PRIMARY CAUSE OF BUSINESS FAILURE WAS COMPUTER GAMES. Believe it or not, almost every one of the businesses that was going under and had to hire us had one or more people playing Solitaire or some other computer game dozens of hours a month. Most of the time it was the boss, his wife, his girlfriend, or all three that were bankrupting the business with solitaire or Doom. When no one else is forcing you to produce - some people won't. Here are some reasons that those who have failed at telecommuting have failed.

Lack of Family Discipline: When you work at home you can also tend to family and that is great. I love it. However, it also allows for magnified interruptions. Child care can easily consume more than an entire day, if you don't learn to discipline your children in an effective and nurturing way. If you just yell "Be quiet I'm working." They will find a way to get your attention - no matter what - and it will often be at just the wrong time - like when Mr. Big is on the phone, or when you have procrastinated and the deadline is NOW.

If you must fix dinner for your husband, change the baby, take the other three kids to all those dozens of lessons, meet them at the bus, do the dishes, vacuum the floors, do the laundry, wax the floors, oil the antiques, sweep the driveway and talk to your several unemployed friends on the phone. then you won't likely succeed as a telecommuter.

Older kids are even more of a challenge if you are not willing to raise disciplined kids - and there are very few of those these days. If you have no kids, but have dogs, parrots, hobbies, books, TV shows, and all sorts of other interests that take you away from production - you won't make it either. How would you like to employ someone who could only work when there was nothing else taking a senior priority in attention?

Food: Snacking, gourmet cooking, coffee making, refrigerator door swinging and ice-cream eating can take a huge amount of time in a day. And, then you either must set aside twice as much time for exercise, or set aside money for the new and larger wardrobe. Many people, who work at home, could be said to be working Chip-Side. Chips, dips, sodas, candy, a few extra snacks beside the computer and soon you will need a larger, wider, more powerful chair and reinforcing slats under the mattress. The upside is that your social life will die and you'll have more time to work and pay for the food and larger clothing. Can we say Tent Clothing?

Sloth: Laziness, slow motion, procrastination and self-interruption are killers of the home worker. If one of your motivations is to sleep in, you had better be similarly motivated to work late. You will need to learn to produce, to promote yourself, do market yourself and your product and procrastination is self-destructive. Snooze and loose. One of my very productive friends sleeps until 2:30 pm every day. He calls me on his way to his first cup of coffee and I welcome him to the day with "Good morning Lee!" he chuckles but in about 7 minutes he is off the phone and planning his day over his next cup of coffee. He allows no interruptions from any phones until 5:30 pm and works every night through until about 3 am when he answers his e-mail and then goes to bed a little after 4 am. He is a home designer and his clients are builders who take care of building during the day and talk with him from their home to his, at night. He is not sloth. He just works the night shift and does it well.

My youngest son is an artist, a very successful one: http://www.AbraxasArt.com He works best from afternoon to early morning as well. There are many who work at home that work the graveyard shift and find that working when others sleep, allows them to be more productive and creative. So sleep in if you will or take off early if you will, but doing both will knock you out of business. When you work at home, you work from to-do lists, appointments scheduled, and goals set. But, if you don't get enough work done in a unit of time, you won't get paid well. You must learn to plan your work and work your plan, or else.

Communication Sins: If you spend any time on frivolous e-mail, phone calls, faxes, meetings, stops at the coffee shop, golf, tennis, poker - and they are not planned to produce income - you will soon chat, gossip, play and fritter your income, savings and life away.

Yes, I WORK at a coffee shop nearby. They have high speed network lines for my laptop. I also wear my Logo hat, my business name pin on my chest, and have a large name and business card taped to my computer lid, so that it can be easily read from a distance as I work. I also make a couple of phone calls a day to those in related businesses, such as my friend the home designer.

I do a lot of e-mail and anyone who sends me forwarded junk is chastised, every time. Anyone who sends me hoaxes is sent back the hoax reference and I send it to "Reply All" as the sort of people who send that stuff send with everyone's address visible about 99% of the time.

I also get quite a little bit of email, unsolicited, from some of my contacts about things which I'm not interested in. I thank them and let them know what I AM interested in and that I only want that, in a nice way. I get a few hundred SPAM a day. My filters handle all but a few. The rest; I speed read most of it and often find something I can use for my own marketing, not often, so I spend an average of about 2 seconds on each mailing.

I stopped by another home-worker a few months ago and he was playing solitaire, taking calls about jokes and gossip, and was constantly involved in frivolous e-mail. Last week he got a salaried job, at just about minimum wage, he made almost nothing working at home.

Communication sins include incoming and outgoing communications. Television, talk radio, music, telephone, entertaining web sites, porno, dating sites and chat, social calls coming or going, are all time stealers and production killers.

Slovenliness: When you work in a multi-tiered, hyper managed, upper-management, middle-management, worker bee, hierarchy and each level checks and double checks all the levels below and edits everything on the way up the line or out the door - you may find much of that missing when you work at home. You must learn to be your own editor. You must learn to be your own manager. You must learn to be your own Quality Control and Efficiency Expert. If you let slovenly work out your door, off your desk, in the mail or e-mail; you certainly and simultaneously send a bad message about your worth and professionalism. Doing slovenly work will result in slovenly pay.

Home Sweet Home Syndrome: If you are accustomed to turning off the productivity switch when you arrive home, it may be nearly impossible to learn that home is where the job is. If you are used to kicking off your heels, slipping on your robe, lounging in a hot tub with a book and candles, lying on the couch with the paper or any of the myriad activities of a leisure home life; you may not be able to work at home productively. And we get right back to the crux of it all - self-discipline.

Drugs, Alcohol, Tobacco, Sex and Even Music: A glass of wine at home, after work, can be wonderful. A glass of wine while you work at home can be horribly anti-productive. A smoke break at work is at worst embarrassing, at home, you can easily develop a two, three or four pack a day habit and you slide into chain smoking and larger and larger ashtrays. If you are a "recreational" drug user and work at home, you can easily get "hooked on that feeling" and that feeling is not one of accomplishment.

And, oh the wonders of staying in bed with your lover, of afternoon delight and hot nights - but it can soon eat up the day. Many, many folks enjoy relaxing to music, dancing to a tune or otherwise letting good music of their choice take their mind into the sublime. That is not where work gets done. If your mind is on the music, it is not on the job. Concentration is a primary requirement of working at home and without it you will soon be incompetent and unpaid.

Workaholism: Workaholics are often stressed out and need to go home once in a while for a break, or perhaps a break-down. If you are driven to work day and night, as I am, make certain that you love your work so much that you'd do it as recreation. Fortunately I love my work so much that it is not work to me at all. Part of the reason is that I only do the kind of work I love and not any other kind; there are a few things that other Realtors do that I don't do. But, I take the energy that I could use doing those things I don't like and put that much more energy into the other 99% of my profession that I love.

Yes, I'm up before dawn and work often past midnight - today is one of those days - but there is no part of today or many other days that I do anything I don't love. Yes, I was out with a prospective client from 5 pm to 9 pm, came home to 83 e-mails and now I'm pounding out another article and NOT ONE SECOND of that time was I unhappy about what I was doing. I love it all. Darned good thing!!!

Friday, February 1, 2013

The Best Time to Inspect Your Home!

Home inspections conducted prior to a home being placed on the market is one of the wisest moves a seller can make. The initial response from sellers when approached with the idea of an inspection done as the home is about to be put up for sale is most always the same - "What?!"

Let's review a few of the most common concerns about Pre-Listing Home Inspections.

1. "The buyer will not accept an inspection done for the seller."

That is correct! The inspection done for the seller is not intended to replace the inspection done for the buyer. The purpose of the pre-listing inspection is to put the seller in control!

Given that no good surprise can come to the seller during the home inspection, regardless of when it is done or whom it is done for, it makes perfect sense to get every strand of information as soon as it can be gotten. Bad news doesn't get better with time.

If there is some bad news, or more correctly, some items that needs attention or might have an impact on the home's value, who better to receive that information than the seller? And when is a better time to receive that information than before the home is placed on the market?

The simple fact is this - a home inspection at the time of listing will put the seller in the best possible position. With the complete and clear view of the home's strengths and weaknesses, the home can be marketed to the best benefit of the seller.

2. "I don't want to pay for the inspection."

This is certainly understandable. The seller generally perceives that the inspection is intended for the buyer, hence, should be a buyer's responsibility. But to have the benefit of the information it must be paid for. Never have we had a complaint from a seller about the value of the inspection! In every case at the conclusion of a pre-listing inspection, the seller felt they had made a good choice in spending the money to get the inspection done.

In most cases, the seller's feel good getting the peace of mind of knowing that no major event or expense will be uncovered by the buyer's inspector. And on the rare occasion when it is discovered by the pre-listing inspector that the roof is completely shot or there is some other big expense or danger, the sellers, while not happy to have the problem, are glad to have discovered it on their own terms. The small expense of the inspection is always less then the cost and aggravation of a hurried hunt to get something repaired or replaced after the home is under contract.

Save the pain, spend the money. Get every home inspected prior to putting it on the market!

3. "The home is selling 'as is'."

This may be the best reason of all to inspect at listing! If the home is being sold "as is", reduce your risk and liability as the seller by getting a pre-listing inspection. In order for the home to sell quickly and at the highest price, disclose every condition of the home. The inspection gives both the buyer and the seller the comfort of knowing that the home "is as it is". With a pre-listing inspection, there is a high likelihood that the home is as represented.

Even in an "as is" contract, the buyer may still have their own inspection performed. If these two inspections are similar in content, it is rare the buyer will walk or counter offer. That, in fact, is the goal of the "as is" sale.
Another concern of sellers is that they will have to repair every item that is discovered to be discrepant on the inspection report. This is simply not true. It would be true that every discrepant item needs to be disclosed, and those disclosures may impact value and hence asking price, but nothing need necessarily be corrected.

Amazing as it may seem, homes inspected prior to going on the market have two very significant attributes:

1. They sell faster than homes not inspected until the buyer has made an offer.
2. They sell closer to the asking price than homes not inspected until the buyer has made an offer.

Why the heck does that happen?

When the buyer makes an offer, there is an assumption made by the buyer, reasonable or not, that there is nothing wrong with the home! If there was something wrong with the home that the seller knew about, but did not disclose, shame on them, it is about to cost them money. Most often, though, the items that come up on the inspection by the buyer were unknown to the seller. Sur-prise, sur-prise, sur-prise! And we've already established that surprise is not good in real estate. So how is it that the inspection for the seller makes the buyer pay more for the home and do it in less time?

Let us create an example of a 20-year-old home that has a fair market value of $100,000, just to make the math easy. That value assumes that nothing is wrong with the home. When the buyer has the home inspected it is with the assumption that anything discovered to be wrong will be corrected by the seller or a price concession will be made.

Now, let's consider that the buyers inspection revealed the need for a new roof, several plumbing leaks, and the need for replacement of three exterior doors. When these discoveries are made by the buyer's inspection, the clock is running and running fast. These items need to be corrected before the sale can be completed. This time crunch puts the seller at a disadvantage when dealing with the contractors. When time is critical, you have fewer choices and the costs go up. Additionally, the buyer often wants to have input on who does what work.

This situation is always tense and expensive. It can be avoided!

Let us now assume that the inspection result occurs, but it is for the seller as the home goes onto the market. The seller is now in control. Armed with a clear picture of what is wrong, the seller can choose to shop calmly for the best value in repair contractors, offer a credit at closing or adjust the sales price to reflect the diminished value. They can even make the necessary repairs, then increase the price of the home to reflect the increased value!

No matter the choices made, the seller, on the seller's time frame, makes them. This actually makes for a neater, simpler buying decision for the buyer. The buyer knows better what condition the home is in and knows what issues to base the initial offer on. The buyer will still in most cases get the home inspected, but this is a breeze. It is rare that any additional items of significance arise.

Thursday, January 10, 2013

So You've Put an Offer on a Home. What's Next?

You've finally found the home of your dreams, 3 bedrooms, attached garage, great neighborhood. You fix sights on the freshly painted walls, new carpeting, beautiful cabinet and a huge back yard. What are you forgetting? Everything else! Don't forget about the plumbing, heating, A/C, electrical, insulation, ventilation, exterior and roof. These are the most overlooked items because most people know very little about these types of items, or what to look for. You decide to make an offer on the home.

What's next?

Don't forget about getting the home inspected. When you made the offer, your realtor should have gone over the inspection contingency in your contract. Simply stated, it's a clause in the contract that your offer is contingent upon a home inspection, and you have a certain amount of time to get the home inspected. It allows you to have an unbiased professional look beneath the cosmetic items into the complex working components of a home. It also allows you to either renegotiate your offer based on the inspection, or at the very least know what lies ahead of you if you do decide to purchase the home. A seller's disclosure statement is nice and most seller's are honest, but don't even realize that problems exist in their home.

Ask your realtor for a list of home inspectors in your area. Most will be happy to provide you with a list of inspectors in your area. If not, pull some brochures from the realtors lobby, try the phone directory or the internet. Most inspectors these days have a website where you can read about the services they offer. Take the time and call a few from the list to form your own opinion. Some realtors will offer to hire an inspector for you on your behalf. Be sure your realtor has your best interests in mind if you go this route. This is your money and your lifetime investment you're talking about.

When you call a home inspection company, here are a few important questions to ask:

1. Are you licensed by the state? If the answer is no, say thank you and politely hang up the phone. All home inspectors are required to be licensed in the State of Wisconsin, and to keep their license are require to attend 20 hours of continuing education per year.

2. Are you affiliated with any organizations? Most good home inspectors are associated with a National organization like NACHI (National Association of Certified Home Inspectors) NAHI (National Association of Home Inspectors) or ASHI (American Society of Home Inspectors) and/or a local organization like WAHI (Wisconsin Association of Home Inspectors)

Each organization has is pro's and con's and like any organization, are suited to that inspectors specific needs. Most importantly however, these organizations have strict guidelines to a code of ethics and continuing education.

3. How long will your inspection take? A thorough home inspection should take between 2 1/2-4 hours or longer depending on the size, age and condition of the home. In some cases a smaller home (1000sft or less) can be inspected in 2 hours. If the inspector says he can do it in less time, think about how thorough the inspection is going to be.

4. What type of report do you use? Some inspectors use computer generated onsite reporting, some use a handwritten checklist, some do computer generated reporting and send you the report after they've had time to look it over twice before sending it out. Each has their pros and cons. Computer generated onsite reporting is nice and you get your report right away. The downside is the inspector doesn't have time to look any items up that may be in question or be very descriptive in their report. A hand written checklist in my opinion is the most incomplete type of report. You do get your report right away, but it is usually something like: Kitchen countertop: poor. This doesn't give you much of a description of the defect, like what exactly is wrong with it. The computer generated report is in my opinion the best style. You get a neat, professional looking report, the inspector has had time to be descriptive and to look up any items that he may have had questions on (no, we don't know everything and if we say we do, take that as a sign). The downside is you don't get your report for a day or so, but the report can get to you quickly if he/she emails it to you.

All inspectors should be able to provide you with photo's of the problem areas in their reports. A picture is worth a thousand words. If they don't include photos in their report (digital or otherwise) you may want to find an inspector that does.

Ask for a sample report. Most good inspectors will be happy to send you a copy.

5. What is your experience and background? Most home inspectors started out with a construction-based background. This is very useful in home inspections. Attending a University with emphasis on construction, or attending a Home Inspection School is almost a necessity in this trade. If an inspector tells you he was in retail (for an example) this may be a time to look elsewhere, or ask a follow-up question as to why he went into the profession and what he has to offer that others inspectors don't.

6. How much do you charge? This is a very important question. The question you really should be asking yourself "how much are you willing to spend on the most important investment you're ever going to make?" Think about this. Do you really want to price shop on something this important? Yes, you don't want to pay too much, but you don't want to scrimp either. You're paying $100,000+ for your home and now is not the time to go with the lowest price. Inspectors have overhead costs like any company; Insurance, vehicle, gas, equipment training, professional organization dues, a home, etc. Regardless of what any might say, they don't work every day of the week, every week of the year.
An average inspection is between $250 and $400 or more depending on the size, age and condition of the home. Some inspectors base their fees from the listing price. Based on what is uncovered in the inspection, you will probably be able to save that much and maybe more. For example: A new water heater will cost you in the neighborhood of $800, and if the inspector finds that the one in the home is nearing the end of its useful life, the inspection just paid for itself and then some. Its money spent wisely.

Most good home inspectors encourage you to follow them on the inspection, and I highly recommend it. It will give you a chance to see what he sees, and ask questions. Be sure to ask questions! The inspector will usually to be happy to answer them for you or if he doesn't know the answer right then, he should offer to look it up and call you with the answer. This is also a time to find out where key components like shut-off valves or the breaker panel is located in case of an emergency, or get tips on routine maintenance items.

A home inspection is a visual, non-destructive examination of a home. It is not technically exhaustive. Inspectors cannot see defects behind a wall, ceiling or furniture.

He or she will just use their knowledge and experience in their visual examination. If a component doesn't work by normal means of operation the inspector won't try to get it operating by any other means. He/she will only open those panels that are normally used to service a piece of equipment. If a danger exists to the inspector, he/she will not inspect that piece of equipment. They will just defer to a professional more experienced in that type of application. They do not move furniture to inspect, so having the home ready for the inspector prior to the inspection will not only speed the process, but give you a more thorough inspection.

You will more than likely not get the chance to meet your inspector before the inspection, so asking these important questions will help make your decision easier.

Having the home inspected is the best thing you can do to have a more informed decision on the purchase or sale of your home. After all, this is probably the biggest investment you will ever make.

Thursday, January 3, 2013

So you want to work at home

There are several ways to work from home. Some of the more popular ways are affiliate programs, direct marketing and starting your own business. However it is also possible to find employers who hire people to work at home in various postions such as telemarketing, sales, teaching, freelance writing, etc. I have spent countless hours online searching for You may wish you could start tomorrow, but honestly it could take six months to a year until you open for business or find a job. I wish I could offer you some time kind of timeline to success but it just isn't possible. I know we all see a lot of ads that offer overnight success or thousands of dollars per hour earned, but the honest truth is most home businesses take 5 years of hard work before you may even see these types of returns and the higher percentage of work at home jobs you find are  on a per need basis or start out part time.

So,as you can see, actually finding the work at home opportunity or position that is right for you can be

1) Confusing
2) Time consuming
3) Not an overnight or immediate success
4) Takes lots of planning, research, time, and patience

The most important thing you should know before you start to look for a position or business is just that.....

Are you looking for a work at home job or are you looking for a home based business. Knowing what it is your looking for before you start will help you find the perfect work at home match easier, faster, and may even help you from being or feeling scammed.

You may be asking yourself what are the differences between a work at home job and a home based business?

The major differences between a work at home job and a work at home opportunity (home businesses) are:

1) Work at home jobs are just that "jobs", where you have an employer, requirements, and maybe even schedules.
2) Most work at home opportunities (home businesses) require a fee or a set amount of money upfront to get you started

By knowing these differences, you can significantly reduce your chances of being scammed and narrow down your

search terms (keywords), thus making your time better spent. Now I know that maybe I am making this sound like finding work from home is overwhelming, and it can be, but it really doesn't have to be. Once you have figured out whether you are looking for a job or business the rest just takes time, patience, and knowing where to go.

Here are a few steps I used.......

1) Have A Goal....
Even if you haven't decided whether to pursue a job or business, you should still go ahead and set a plan for how you intend to get there. Besides being a great source of motivation, knowing where it is you want to be lets you create a plan for reaching it.

2) Find Support....
Enthusiasm is contagious. Avoid those who say you can't. Try to find others who are doing what you want to do. Message boards and online communities are a great way to meet with others to find ideas, information, and to help you stay on track.

3) Be Informed....
When you have either inadequate or inaccurate information your chances for failure are much higher. Talk to people who have started similar businesses or are working from home. Subscribe to ezines. Ask questions. Visit discussion boards. The more informed you are, the less the risk becomes.

4) Get started.....
To keep from feeling overwhelmed, make your larger goal into a few manageable steps. Plan to take at least one action a day. As you start to do the smaller steps, phone calls, jotting down ideas, contacting employers, sending out resumes, you may actually feel like something is being finished, and it may be hard to stop after you get going. If you're already in the workforce find out if your position can be performed from home. If not you'll need to search for a position that can. Narrow your search down by your skills and experience, for example, data entry, telemarketing, customer service, transcription, etc.

Should you choose a home business, test the waters. If you're already working, stay there and run your business part-time. There is no need to create more stress when you can ease your way in to it.
Most importantly never ever give up, if you fall down, pick yourself up and start over, persistence and determination will pay off.