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Thursday, April 28, 2011

Taking Care of Business: Organization Is Job 1 in Designing a Home Office

Once you move into your new house, where will you spend the most time? If you are one of the millions of Americans who work at home, it's likely to be your home office, and planning it should be a priority.

You may think your home office now is swell, and you want exactly the same setup in your new place.

Take another look. You may be churning out the work product because, like most people, you're amazingly adaptive. You've got a desk, a computer, some bookshelves and a nice view. What's not to like?

Maybe quite a bit. Your only bookshelf is at the other end of the room. Going back and forth for reference materials you use nearly every day is a pain, so you keep them close at hand -- in piles on the floor around your feet. Your printer is on the floor next to the bookcase, which means you have to get up to retrieve whatever you print. Every time you bend down to add paper, your knees hurt. When you sit at your computer you overlook a park, but whenever the sun is out, you have to close the blinds or you get a headache.

Join the crowd. Most of us, when we think of the work we do in our home offices, focus on the report that must be written by 5 p.m. or the proposal that's due tomorrow. We don't perceive any connection between how the office is organized and how easily we produce the report. But there is one, and when it's factored into the planning of an office, the work will go more smoothly and productivity increases.

How do you get from A to B and an office that's tailored to you? There are no rules of thumb for how to design a home office, the way there are for kitchens.

The main idea is that the work area is organized so that all the things you regularly use, including your computer, printer and books, are close enough so that you can reach them without getting up. You also need storage for files, binders and office supplies.

You might think that a little tweaking of the office furniture you already have will do the trick. But if you're like most people, what you have is a hodgepodge of pieces that defy workable arrangement. For your new home office, you're well advised to chuck them and start over.

The work area that will work best for you depends in part on your age. Are you older than 45? Most people in this group use a computer, but still do a lot of writing on a yellow pad and want a sizable writing area where they can spread out. This should be next to the computer monitor -- on the right if you're right-handed, on the left if you're left-handed. Work station arrangements that are L-shaped, U-shaped or galley-shaped with a desk and credenza set up so that a swivel of a chair puts you at the computer or the desk will work well.

Maybe you're in the 30-to-45 age bracket. People in this group are more likely to do almost all their work on a computer screen and center their work area on it. They still want a writing area, but it doesn't have to be as big. If they use a laptop computer, they don't need a separate desk.

Or, maybe you're a recent college graduate and used to working on your laptop computer in just about any circumstance from a noisy Starbucks to a hushed library, in a chair or on the floor. People in this age group are likely to think they don't need a separate home office at all -- they can perch anywhere. But I would argue that to do your best work you need to concentrate, and for that you need a separate office.

Another factor to consider is your personal working style, Dallas home office expert Lisa Kanarek said. Though everyone has quirks, most people fall into one of three categories, she said.

Kanarek's "collector" fills up every surface and drawer, to the point of total inefficiency. For such an individual, even one older than 45 who is used to a huge desk area, limiting both the size of the work area and the number of drawers will improve things markedly. Kanarek also urges collectors to designate a spot for an in-basket and commit to going through it every week.

The "bouncing ball" is easily distracted by nearly everything, including e-mail, phone, the spots on the carpet and the to-do lists on the bulletin board behind the computer monitor. Such a person needs a work area that faces a corner or a wall with a calming piece of art, not out into the room.


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Universal Design Adds Style to Accessibility

Nestled near the end of a driveway, the two-story clapboard-and-stone colonial in Glastonbury, Conn., makes a subtle but firm first impression: Gracious living practiced here.

Outside the home where Greg Hughes lives with his yellow Labrador, Lincoln, retaining walls and terraced ramps tame the property's slopes and invite visitors to stroll the landscaped grounds.

Inside, polished red-oak floors, oriental rugs, elegantly upholstered walls and doorways artfully encased by carved moldings reflect the owner's style and success long before he greets visitors in his motorized wheelchair.

Hughes, 39, lost the use of his arms and legs in a car crash when he was 17. While his disability obviously has affected the course of his life, it does not define him.

Like Hughes, the house design accepts the realities of life with a wheelchair, but without compromising on comfort or style.

Experts say this is a new model for home design that everyone should embrace, even if they are young and active.

An increasingly popular concept known as universal design is based on the notion that any building should be attractive and usable by all people, regardless of age or physical ability. The idea has caught on as the population ages and people seek to remain in their homes instead of moving to retirement communities.

"It's difficult to swallow that we're all going to need these things," said Mary Jo Peterson, an interior designer from Brookfield, Conn., who specializes in creating accessible kitchens and bathrooms.

But whether from old age, a skiing accident or a hip replacement, it's a fair bet that most people will have to live with a mobility problem during at least some portion of their lives.

So some designers say any home renovation or new construction should include accessibility features such as no-step entrances, extra-wide doorways, lever door handles, no-lip showers and at least some lower counters and under-sink leg room in the kitchens and baths.

And nobody should be able to notice.

"We don't want it to look institutional," said Carol Peredo Lopez, national architecture director for the Paralyzed Veterans of America. Lopez is completing a book on accessible design. "Most of the images in our book do not look like a wheelchair user lives there," she said.

When he bought his rear lot off Chestnut Hill Road four years ago, Hughes wanted a home where he could live independently and where his two brothers, two sisters, and 12 nieces and nephews could congregate on weekends to play pool or watch the Red Sox or the Giants on the big-screen TV set.

He modified the builder's house plan to add a caretaker's apartment above the garage, move the master bedroom to the first floor and add space for an elevator.


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Wednesday, April 27, 2011

Walk-Through Is No Substitute For Inspection

Q DEAR BARRY: Are home inspections required before buying cooperative-living units such as condominiums and townhouses? Home inspection is listed as an option in my purchase contract, but my real estate agent and the listing agent both say an inspection is unnecessary. They assure me that the property management company performed a thorough inspection before the property was listed for sale and that there were no problems with any of the appliances. Should I rely on this advice? -- Henrietta

ADear Henrietta: For a real estate agent to advise against a home inspection is the height of professional irresponsibility and seriously undermines the trust between a client and agent. It is probably the most unreliable advice you are likely to receive in this or any real estate transaction.

You are being misinformed about the substance and scope of a home inspection if it is being compared to the walk-through inspection a property manager is likely to conduct. No management company is qualified to conduct the kind of property evaluation that is routinely performed by a home inspector.

To test what you have been told by the agents, ask if the property manager's inspection followed the standards of the American Society of Home Inspectors, the National Association of Home Inspectors or a similar state association. Ask for a copy of the management company's inspection report. If they have such a report, is it truly limited to appliances? Was there an evaluation of the electrical system, including an inspection of wiring in the breaker panels? Were the outlets tested to determine proper grounding, correct polarity and compliance for shock protection? Did they test and evaluate the plumbing and heating systems? Did they walk on the roof to determine the condition of the material, the quality of installation, the likelihood of leaks, or the need for repairs and maintenance? Did they inspect the fireplace and chimney, the firewall in the garage, conditions in the attic and below the building?

Those are all unlikely. Common sense and buyer prudence should trump the advice of the agents. Don't close the deal without a professional home inspection. A qualified, experienced inspector will find defects the manager never considered.

DEAR BARRY: I'm about to buy a 1920s house and am concerned about possible moisture problems in the two-room basement. The walls, floor and ceiling in one of these rooms were recently coated with concrete. Can I assume this is a disguise for water damage or dampness? -- Linda

Dear Linda: Although it is possible that concrete was applied to conceal a moisture problem, you need more evidence to reach that conclusion. Make sure your home inspector pays serious attention to this concern and to the likelihood of moisture problems. You might consider having a geotechnical engineer evaluate ground water conditions in general. Also, pay attention to visible signs of mold or musty odors.

Barry Stone is a professional home inspector. If you have questions or comments, contact him through his Web site, www.housedetective.com, or send mail to 1776 Jami Lee Ct., Suite 218, San Luis Obispo, Calif. 93401.

Distributed by Access Media Group


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Wright Homes Need Right Buyers

OKEMOS, Mich. -- Imagine having a dream home in a private, peaceful, bucolic setting -- and being unable to sell it because it was designed by Frank Lloyd Wright.

Some owners of one-of-a-kind houses conceived by the iconic architect are discovering it's not easy selling them in an era when cathedral ceilings and easy commutes are on the wish lists of many prospective purchasers.

But the sellers are also concerned about finding the right Wright buyers -- ones who will cherish, not demolish, his creations.

After pouring tens of thousands of dollars into buying, repairing and renovating her Wright-designed house, Arlene Moran, 70, hasn't received any serious offers despite its pedigree. She's asking $375,000 for the three-bedroom home in Galesburg, Mich., about halfway between Kalamazoo and Battle Creek.

"It's going on two years and I'm desperate," Moran said. "I refuse to lower the price. I put in $180,000 [worth] of restoration. I would like to have my money back."

But, Moran said, "I can't have just anybody" buy it. She considers her home, which she never has lived in, a work of art.

Don Schaberg is ready to sell the Okemos house he and his late wife commissioned Wright to design, and where they lived happily for four decades. Schaberg realizes it won't be easy finding someone willing to spend $1.6 million for a 3,800-square-foot ranch without a garage, but he also said he is under no real pressure to sell and doubts he will come down much on his price.

"I'm just certain the value is going to increase," he said, calling the house and its six acres southeast of Lansing "the closest thing to heaven on earth."

"Everybody thinks it's one of the warmest and most peaceful places they've ever been in," Schaberg said of the window-filled ranch that overlooks a tree-lined meadow.

Schaberg first contacted Wright in 1949 and construction was completed in 1958, a year before Wright's death. It was done during Wright's "Usonian" period, when the architect, in his final years, focused on more modest homes for families on a budget.

Schaberg said his ideal buyer would be interested in obtaining "one of Mr. Wright's last, practical, family houses," while fully appreciating it as a work of modern art.

Susan Sweetow, a real estate agent in Scottsdale, Ariz., who for two years worked as a tour guide at Taliesin West, Wright's sprawling, 600-acre winter home and work campus near Scottsdale, said "the market is narrow for his homes and limited to people who appreciate a work of art and a piece of history," so it's important to gear sales toward that market.

She said modern home buyers want big garages, large kitchens and spacious bathrooms -- features not generally found in Wright's Usonian homes.

"You have to find the right buyer who will appreciate the qualities that were in his homes," Sweetow said.


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Monday, April 25, 2011

'Fly-by-Night Inspectors' Need Standards, Disgruntled Agent Says

Q DEAR BARRY:

As a real estate agent in the Seattle area, I have watched as growing numbers of home inspectors, with their authoritarian attitudes, have led buyers to think they are entitled to mint-condition houses, free of defects, real or imagined. I find the inspection industry to be out of control and run amok! Two reports on the same house have different lists of defects. Some reports are so nit-picky that they appear concocted to justify the inspection fee. One inspector mentions an alleged problem aloud but then doesn't list it in his report. Consumers and their agents are victimized by fly-by-night inspectors who operate without oversight or licenses. What you home inspectors need are some standards imposed to control your loose-cannon business. -- Paul

A DEAR PAUL:

Without question, there are disparities among those in the home-inspection profession, as there are in most fields. If you read this column regularly, you know that I am sometimes critical of the conduct of home inspectors. I have no illusions regarding inconsistencies in the industry, especially with so many new, inexperienced inspectors entering the business.

In many states, especially those that do not require licenses for home inspectors, it is too easy to set up shop. Many beginners have little preparation -- a two-week crash course from a home-inspection school, a home-study correspondence course or a credential obtained by passing a simple online exam. This inadequate preparation causes some of the substandard practices you cite.

However, there are thousands of experienced, qualified home inspectors providing comprehensive inspections for home buyers and conducting their work according to the standards of practice of set forth by professional associations. The National Association of Home Inspectors, the American Society of Home Inspectors and state associations, such as the California Real Estate Inspection Association, provide meaningful direction and education for inspectors. Real estate professionals should become familiar with competent inspectors in their areas and should encourage quality home inspections by recommending only the best people.

This raises the issue of home inspector referral practices among real estate agents. Too many agents avoid the most qualified and thorough inspectors. Too many recommend fledgling inspectors who lack the experience to provide comprehensive defect disclosure, perhaps in hope of a less-thorough report.

Clearly, both of our trades, home inspectors and real estate agents, could improve our practices.

Barry Stone is a professional home inspector. If you have questions or comments, contact him through his Web site, www.housedetective.com, or send mail to 1776 Jami Lee Ct., Suite 218, San Luis Obispo, Calif. 93401.

Distributed by Access Media Group


View the original article here

Sunday, April 24, 2011

etting an EMC Loan Modification application approved is not a tough deal, but still hundreds of loan applications get rejected everyday. The simple reason for the rejection is lack of proper information. Everyday bank gets many applications for modification and many genuine customers face rejection.

How To Get loan Modification Application Approved

It is true that not all the home owners will qualify for EMC loan modification but for all the genuine customers if they present their file in a proper format following the guidelines you can improve your chances for approval.

Here are some effective tips on how to get your loan modification approval and enjoy the benefits of the new loan.

1. You need to show a financial hardship letter to EMC for getting qualified for loan modification. Bank will not lend you loan if your financial status is stable. For proving your condition you must write a convincing hardship letter. This hardship letter must explain the reasons for the default, steps that you have taken to handle the things and your commitment towards the ownership of your home.

2. Plan a new monthly budget for your family and exclude all the unnecessary expenses that were a part of your monthly expense till now. This new budget will help you determine the affordable payment for your new loan. It will get an idea of your ability to pay the loan by the new budget. Keep in mind that the new budget is prepared keeping in mind the guidelines of the bank.

3. After planning the new budget, present a detailed financial worksheet to EMC. Give the complete details of all your income and expenses. Bank will now have a complete idea of your current financial situation. Prepare one current financial worksheet and one proposed statement to prove that he will be able to repay the new modified loan.

Note: All you need to do is to gather complete information for loan modification process before contacting the lender and what exactly is required for qualifying. So, prepare a very professional and acceptable loan application for loan modification application approval.

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