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Friday, June 22, 2007

Loan Schemes For A Home

Do you want a home loan? Are you in a kind of fix or confusion regarding building or revamping a home. Take a look at the various kinds of schemes and programs that are available in case you are interested to buy, build, or revamp a house.

Most people planning to build a home tend to go for long-term loan tenures, ranging from 10-15 years. Many even go to the extent of opting for tenures as long as 20 to30 years. Why do people tend to go for such long-term tenures? Well, the reason such tenures lowers their Equated Monthly Installments (EMI) and makes it easier for the homowners to pay up. Those who have problems in repaying high loans tend to opt for such long-term tenures.

Generally in long-term loans, banks provide several options. Some banks offer the option where the interest remains fixed for the entire period. In the fixed rate of interest, it is easier to plan your finances and predict the outflow of monthly payments. However, in some cases, the interest may be revamped after every three years. Some loan programs give the flexibility of allowing a fixed rate for a certain portion of the loan amount and a floating rate for the remaining loan amount.

Some repayment options of banks are tailored to suit the needs of the borrower. For example, the borrower can opt for higher amount of loan and pay low EMI during the initial period. In the subsequent years, the repayment will be accelerated with increase in income.

Apart from home loans, if you want to improve your house appearance or you need to go for a repair, then it is best to go for the home improvement loan programs. This type of loan is a secured loan and is offered by the bank where your home is currently mortgage. It is meant for the improvement and the increase in market value of the home.

The Ultimate Choice Base in New Homes is Truly Modular

How many times have you dreamed about having that perfect home? You picture the entry with white and black checker board tile on the floor, which opens to the foyer facing the split staircase. How many times have you imagined yourself in front of the fireplace in the family room with a vaulted beam ceiling?

You know in your mind every inch of the perfect kitchen. A kitchen that has superbly finished oak cabinets and granite counter tops; the center island with a cook-top and breakfast bar on the back side with beautiful wood stools. You've designed over and over in thought and dream how the professional stainless steel range set in the perfect spot with plenty of counter space and all the other appliances in just the right space will look and feel.

More and more the thought of a small conservatory off of a den is speaking to your inner being. The soft warmth of a plush master bedroom with master bath, and oh that whirlpool tub.

And then you fall into that pattern of thinking that there is no way on your family income could you ever afford a home like that. Well, that dream home may be closer then you think. Closer and more affordable without having to make a lot of concessions, or give up all those nice aspects, because building it might be a lot cheaper then you think

First off, let's get that old concept of modular homes out of your mind. The one where you see that rectangular home split in two halves going down the highway kind of concept. Is that a modular home? Technically yes, but modular homes have progressed so much farther in the past decade that the old spit-it-in-two type modular home is a distant relative of the modern custom designed and constructed modular homes of today.

Let's look at the term modular. Something is modular if it includes or uses modules which can be interchanged as units. Modular homes of the past were built from standard floor plans usually Then the home was constructed in a factory usually using a modified one piece construction, split in two, and shipped out to the erection site location. What's modular about that? Not much in my opinion.

Today's modular homes are built truly from modules. The larger the home plan is, the more modules that will be incorporated into it. Each module can be split out of the over all design and replace with another for the most part.

Sure there are some constraints, but with computer aided design the building of modular homes is better able to make a home buyers ideal design take place. By plugging in pre-designed rooms or spaces one at a time the computer can formulate a plan that follows input design to a much greater extent then every before. More so the computer can allow the buyer to pick the rooms or spaces they want incorporated into a design allowing the program to select those finished designs that best utilize chosen design aspects.

Because most of all the work of construction including plumbing and electrical is done under controlled conditions, there are no construction design surprises halfway through the completed project. With the aid of the computer, the buyer knows right from design inception if there will be problems with structural layout. Elaborate designs that were once only able to the very wealthy who could afford to hire top flight architectural firms to work with construction crews during construction, are now available to almost everyone.

Then after the plan is formulated, the modules are assembled by design to be transported to the work site, where they will be assembled by a crew proficient in on site modular construction. It is not uncommon to have a Modular home delivered to the erection site in 4, 5 or more modules to be assembled.

Thursday, June 21, 2007

Build A Home For The Future

One of the best things about the New Year is that it is a time to start making plans for the spring and summertime. It's especially exciting if we are planning on building a new home. It seems that we have renewed energy to start the building projects as soon as the snow leaves.

This is a great time to be building a new home if you plan on doing the work yourself. Once you have decided that a new home is on your "to do" list, you need to know where to start and what steps can help you get there the quickest.

The first place to start is the basic plan of what you need according to the people who will be living in the house. A good starting plan will have just what your family needs and you can worry about the wants after the needs are assessed. All homes regardless of size should have at least two bathrooms. Single bathroom homes won't easily sell these days.

Ideally, each person should have his or her own room, but sometimes our pocketbook dictates whether we get that or not. A sensible kitchen is a must. Modern kitchens need to have more space than ever before. As a whole, people are wider than ever before and even if you personally aren't losing the battle of the bulge, some prospective buyer further down the road probably will be.

Families have more junk than ever before so they need more space to put it in. We are now seeing very large TV entertainment systems and surround sound packages similar to theaters. That means the family room needs to be bigger than it was only a decade ago.

A full-sized laundry room is a must because almost everyone has a washer and dryer. Two decades ago people would just go to the Laundromat because they didn't have a formal laundry room. It was considered a luxury when older homes were being built.

Many modern homes are being built without dining rooms because the family sitting at the table is now the family in front of the TV or computer. Dining rooms will be much less significant in the future than they are now and were in the past. Besides that, kitchens are bigger with island counters and bars. That is taking the place of dining rooms.

Older homes had libraries built as part of the necessary home components. A person needed a lot more space to study in just a few decades ago. That has all changed with computers. Even the largest Encyclopedia sets are available on DVD's or the Internet so formal library study rooms are no longer needed.

There is also a big change in Living rooms. A living room to us in the west is the same as a formal reception room, salon or parlor. It's a place where you meet your guests, sit down, and talk about things. That is no longer considered a necessity or even a luxury in modern homes.

The simple truth about that is that we as a whole don't entertain guests like we used to. The only guests we invite are good friends and family, which are perfectly comfortable in our family rooms.

Almost all homes need some sort of office or business room. We are more business oriented than ever before. We now build bill-paying rooms. That's a funny thing. A century ago, people would have laughed at that, but in our modern day, we will spend many hours paying bills. An office really is necessary.

After you have decided what you need, then you can decide what you want. That's where it gets fun. Most of the fun extras will also be a selling point, but remember not to overdo the specialty home components, because realtors and bank appraisers when determining the cost of your home if you sell it will overlook most of those extras. Those are considered diminishing returns. A fireplace might be nice for you, but further down the road, they may be considered dirty and hazardous to the environment.

The evolution of homes is ever changing. The difference between homes built thirty years ago and now is dramatic.

Build for the foreseeable future if you can. Your home will have a lot more value. I have mentioned just a few areas of modern changes that should be considered when planning a home. Enjoy your home and planning for it.

Larry Angell is the author of Sweat Equity, building a house at half cost. He runs an instructional website about how to build homes that are strong financial tools, not financial burdens. He counsels low-income families how to obtain affordable housing and reach goals of home ownership.

Construction Financing 101

Owning the home of your dreams always comes at a price. And whether you’re just starting out or you’re building your retirement cottage by the lake, chances are someone other than you will have to help finance the cost of building your dream.

Now, if you’ve been through the home building process before, you know that construction financing isn’t the same as taking out a conventional mortgage on an existing home. But if you haven’t had the pleasure of having a castle built just for you, there are a few things you should know about new home construction loan financing. For instance:

· Getting approved for construction loan financing can be tricky. Two loans are often required – one for the construction period and one for permanent financing. Which means you’ll have to shop for both loans separately and will likely incur closing costs for both. However, if you qualify for a loan with a company that offers Construction-to-Permanent loans, both loans will be rolled into one – and take the extra steps out of getting your dream home financed.

· Bridge Loans can help secure your new owner-occupied primary residence home loan before you sell your current home. If you already own a home, a Bridge Loan will allow you to tap into the equity in your existing owner-occupied residence and use it as a down payment on a Construction-to-Permanent loan. When you sell your current primary residence or your new home is finished, you will simply pay off the Bridge Loan and make payments on your new home construction loan financing (a.k.a. – your mortgage).

· If you’ve found the right location – but aren’t ready to build your dream home – you can buy only the land and build on it later. Simply find a lender that makes Lot Loans, which is short-term financing that will give you time to choose an architect and builder to give you your perfect escape. Of course, many lenders are cautious about lending money on land, because it can be difficult to resell if the buyer defaults on the loan, so many request a large down payment with a high interest rate. So shop around for the best possible loan and save your money for the down payment on your construction loan financing.

Going through the process and doing your research will certainly yield additional information from experts in the field. But if you know what types of loans to look for – and what they’ll mean for you as your new home is being built – making the right decision for you and your financial situation will be a lot easier.

Planning for Your Home

In a world of slap-dash home construction, having a custom or semi-custom home built just for you isn’t something most of the population has experience with. And while it’s an exhilarating adventure that will (hopefully) result in the home of your dreams, if it’s your first time, it can also be overwhelming. To make sure you get your dream home, there are some things you should consider before choosing your home design plan, so think about your wish list and try to determine the practicality of your desires. Once that’s taken care of, work with a designer to find or create the custom home plan that’s right for you. Some of the things you should consider – and work through with the other people who will be living in the home – include:

* Whether you want an open floor plan or a more traditional, divided plan
* How many children will – or potentially could – live in the home? Are in-laws quarters necessary? How many bedrooms and bathrooms do you want?
* How often do you entertain? What are the space requirements of the gatherings? In which rooms will the events usually be held?
* Number of stories and the ease with which you can travel the stairways and halls
* Exterior style – in general. Do you prefer modern or Cape Cod-style homes? Tudor or French Country?
* What construction materials do you prefer?
* Are there views you want to avoid or take advantage of?
* Will your landscape include a raised-bed garden? A swimming pool? Built-in barbecue grill?
* How important is the kitchen? Are you a gourmet who needs a large space for gadgets – or is your idea of cooking popping a frozen dinner into the microwave?
* Do your hobbies require special considerations?
* Do you need CAT 5 cable wiring to get the technology you crave? What about a central vacuum system?

As you go through the process, your custom home plan designer or consultant will ask you hundreds of questions (literally), so it’s a good idea to consider these basics before jumping in. They will quickly narrow your field of options and give you – and your designer – solid ground on which to start. Of course, if you don’t quite know where to start, it helps to study model homes. They will give you a feel for square footage, materials, amenities and ideas for the various ways you can lay out the space and the rooms, so you can at least start working with your designer on a home design plan armed with an inkling of what you want. In the end, practice patience. Deciding on a home – or working with a designer on a home plan – to suit your every need takes time. And patience, knowing what you like and the ability to compromise with your family and your budget are vital.

Florida Home Builders

If a home in Florida has been a dream of yours, then let’s make those dreams come true. With a Florida home builder, you can design a home that will exceed all your expectations. No matter what your personal plans are, building the perfect home is possible with experienced builders.

Depending on what you are looking for, a housing development might be for you. You can have it all for less with a Florida home builder that specializes in new construction at a mass level. Some of the benefits of this type of construction are speed, price, and design.

Maybe you have a different design taste. If you are hoping for a unique home, building is a great option for you. A new home in the neighborhood of your choice doesn’t have to get lost among all the others. Florida home builders will make sure your distinctive dwelling will stand out and let your neighbors know that your individuality is important to you.

Perhaps you need specific space requirements? A Florida home builder might be the right choice. If you prefer a smaller residence than those available in your preferred neighborhood, new construction is to your rescue. Maybe your existing home is just not large enough anymore. Remodeling to add on could be your solution.

Now that you are sold on building, finding a Florida home builder is the next step. A builder who specializes in residential property, will most likely suit your needs best. In order to find the right builder, take recommendations from friends, interview builders to see how you might work together and find out if they have portfolios of their past work.

Wednesday, June 20, 2007

Do You Need an Architect

Are you up for the challenge of designing your own home? If you have the time and experience, then maybe you are. Otherwise, you may want to consider hiring an architect. Whether you want an architect to modify a stock home to better suit your needs, or whether you want him or her to design a home from scratch based on your vision, an architect can add value to your home building experience. While it may seem like an added cost in the beginning, the experience an architect brings to the table, coupled with the fact that using one often saves time, can save you money in the long run.

Architects are a dime a dozen. Just pick up the phone book and you'll see what we mean. However, the perfect architect for you is a little harder to find. So how do you find one that will perfectly suit your needs?

• When you see homes that appeal to you, find out who the architect was. Or ask friends whose homes you like for recommendations.

• Surf the web. Try the American Institute of Architects, www.aia.com, for qualified architects in your area.

Once you've narrowed down your search and found a few architects whose design abilities appeal to you, let the interview process begin. During this process you'll want to find out:

• The cost of the architect.

• If the architects personality compliments yours. For example, if you don't want to be involved in the process, is the architect and independent worker who doesn't mind complete control? Or, if you do want to be involved in the process, is the architect willing to include you?

• Whether the architects taste and your taste are similar.

• How much knowledge the architect has when it comes to your home's location. An architect who knows how to handle the local bureaucracy is a treasure indeed!

Eco-Friendly Home

Green building design process grows out of a connection with natural landscape. A set of informed decisions that consider the site and materials to reduce cost, maintenance and energy usage Green homes are healthier, safer, and more comfortable and cost less to operate. They connect people to the land and community around them. The following are seven green building ideas:

Passive Solar Design

Passive solar design for natural heating and cooling is in practice the world over. As energy costs rise, it is critical to use building orientation, window placement, stone floors, reflective barriers and other technologies to control natural solar energy. Some tips to passive solar design.

In warm climates, face the broad side of the home to the north or south to avoid excessive heat gain as the sun rises and drops in the horizon. Use deep overhangs and solar sunscreens to shield glass areas from direct sun. Avoid sky heights or greenhouse rooms as they allow too much heat gain.

In colder climates, solar heat can be captured or stored in materials such as concrete or stone to be slowly released during the evening.

An open floor plan optimizes the effect of passive solar heating / cooling.

Doors and windows should be placed to catch the prevailing breeze and allow cross ventilation.

Lower inflow and higher outflow windows keep air moving as hot air rises.

Double glass panes provide an insulating air space between the panes reducing heat transfer.

Ventilate Attic Space

In hot climate, attic spaces can accumulate heat, transferring it to living room below. AC ducts located in the attic will absorb the heat.

In cold climates, moisture can accumulate in unventilated attic spaces

Lighter color of roof materials absorb less heat

High insulation in attic and exterior walls is crucial for comfortable indoor temperature.

Optimize Heating / AC Systems

An oversized system will cool too quickly and leave the room clammy. Smaller systems run long enough, reach the desired temperature and clear the air of humidity

A smaller system lasts longer, doesn’t cycle on and a off frequently and costs less to purchase.

Check for leakage in duct, around windows, doors and electric outlets

Use programmable thermostats to regulate energy usage

Reduce Water Needs

Native landscaping suited to the rainfall in your area is fundamental to building green spaces

Water previous materials like crushed granite, open paving blocks as they allow water to percolate in the ground

Rainwater catchments use RWP and gutters to catch and store water that falls on roof and terrace.

Front loading washing machines use less energy and water

Low flow toilets and shower heads reduce water usage

Use Renewable and Recyclable Materials

Use locally produced and easily renewed materials wherever possible

Consider alternative building materials such as rammed earth, straw bales or structural insulated panels

Concrete floors utilize the foundation materials as finish floors, saving material and labor costs

Recycled wood floors are very attractive flooring materials

Bamboo floors are made from a rapidly renewable resource, as bamboo can grow several feet per day

Hard surface floors do not hold dust, moulds or allergens and are very durable

Site Safeguarding

Trees, vegetation and bird habitats on site should be protected during building construction

Reduce impact to the building site as much as possible

Dispose construction waste properly. Do not bury them on site

Native trees, grasses and rocks can be incorporated into landscaping design or as natural drainage

Use of Safe Materials

Look out for green labels on carpets and other home décor products

Use products that are biodegradable, non-toxic, water based and cold water compatible.

Avoid products containing dyes, ozone depleting chemicals (CFC), heavy metal etc.

Avoid solvent based finishes and particle boards, adhesives, fuzzy carpets and other products that release volatile chemicals into the air.

Green building is a common sense approach available to all home owners and implementation of green practice shall make the home more cost effective, enjoyable and sustainable to live in.

Emotional Architecture: How to Make a House Feel Like a Home!

Do bricks and boards create a room that is comfortable and inviting? Is relaxation a result of finding the right paint color? Does the feeling of being safe and protected come from the choice of wall covering, or is it a result of the finish hardware?

These questions seem frivolous on the surface, but after twenty-five years of helping people design, build and remodel their homes, I’ve become convinced that understanding the unique “emotional architecture” within the brain of a client is a critical part of designing a house that feels like a “home.”

In the architecture firm I manage, we are trying to develop a technology that tailors our projects to the true natures of our clients, but it’s not easy. The issue of “home” is a highly emotional one. Logic seldom comes into it.

The fact is, when most people decided to remodel their home or build a new house...they lose their minds! It’s true. Stable marriages topple like palm trees in the hurricane of home improvement. Pleasant, cooperative homemakers turn into Machiavellian harpies, combating husbands who vow to fight to the death on the ramparts of their own financial Alamo's.

Practical, down-to-earth CPA’s suddenly realize they are the reincarnation of Frank Lloyd Wright.

Customers lie about their budgets, trying to bargain with the designer as though they were buying their house from a Tijuana sombrero salesman. Perfectly reasonable people, who would never dream of telling their doctor how to treat a disease or their lawyer how to draft their will, think nothing of telling a professional architect how to design their home.

Worst of all, when people begin the process of designing a new home, they forget the basic laws of economics. I long ago discovered that when customers who were over budget came to my office to “trim the fat,” they were actually going to add a Jacuzzi, upgrade the ceramic tile, change the plastic laminate countertops to granite, and then expect the price to drop.

It set me to wondering.

One day I experienced an epiphany.

I was converting a group of historic buildings in the tiny Texas town of Round Top into a country inn. The Queen and my kids were still in Houston. Every Monday morning I drove up to Round Top and then drove home to Houston every Friday night. In between, I slept on an air mattress on the second floor of an old pier and beam house, one of several we were restoring.

Alone all week, I had plenty of time to think. In the evenings I would sit in an old rocking chair on the wood plank porch. I found myself inexplicably happy. Everything seemed right with the world as I rocked on that porch.

I began to ask myself why...and before long I uncovered the source of my unexplained peace of mind.

I remembered a place from my childhood..., my great grandfather’s porch. I called him “Nandaddy.” I can still see him dressed in overalls, bending down to pick me up, a broad smile on his face.

“Come hug my neck,” he would say.

When I was a young child, I spent a lot of time on that porch. I cannot remember a time in my life when I felt more loved or appreciated. He and my grandmother lived in a pier and beam farmhouse in Milam County. It had a wood plank porch which wrapped around three sides.

Years later, the architectural features of a similar porch in Round Top brought back unconscious memories of that cherished time. I had discovered a key feature of my emotional architecture!

Suddenly I understood why I kept returning to historic restoration work even though, truth be told, it was less profitable than my other building ventures. I realized then that we all view the world through a broad set of internal associations most, but not all, from our childhood. This internal landscape determines how we respond emotionally to the architecture in our surroundings.

Eight years later, I lived in another old farmhouse. I felt happy and very much at home. Built in the 1840’s, the restoration was never really complete. The downstairs was cold in the winter and the upstairs a hothouse in the summer. Bugs find it easy to get in and the AC finds it easy to get out. The old place required constant maintenance.

You would think these things would have been annoying, but I sat on my porch in the evenings and think about how lucky I am. You see, it wasn’t just an old German farmhouse to me. It was the place I raised my two youngest children. Those old walls held the accomplishment I felt at having been able to leave the big city and make a new home in the country. My best girl slept there in a bed I made with my own hands.

It was a place filled with memories of all the good times I’d had with the people I love. I came to realize that these emotional associations are the actual bricks and mortar of my experience of “home.”

It’s obvious if you think about it. A robin takes great care to build a nest and guards it jealously until her chicks have flown away. Then, that cherished nest is just another pile of sticks. We humans are not that much different.

A house is a material object. A “home” is of the heart.When people are looking for a new living space, they are really looking for how that new space “feels,” and how well it fits the day to day reality of their lives, and the values that are important to them.

With this key realization guiding the way, I began to seek a technology to uncover the features of my clients’ emotional architecture. It seemed to me, that if a designer could uncover the emotional associations of his client, he would discover powerful clues to a design that would create that illusive and individual experience we call “home.”

Now, years after I had that first realization, I am finally approaching my goal. The human mind is complex, and my skills and training are limited, but after years of research and working with clients, I have developed a systematic process that combined psychological testing and architectural programming in a way that actually identifies what specific features of a house inspire an individual or a family to “feel at home.”

But before I brag about my accomplishment, let’s consider a critical question.

What exactly is the advantage of knowing for yourself what features of a building or a location will inspire you to feel at home?

In his book, The Timeless Way of Building, Christopher Alexander says “The specific patterns out of which a building or a town is made may be alive or dead. To the extent they are alive, they let our inner forces loose, and set us free; but when they are dead they keep us locked in inner conflict.”

Mr. Alexander’s theory says that architecture gains aliveness by reflecting the patterns of behavior of those who inhabit it. In other words, the day to day repetitive actions, events and activities of human beings, naturally organize space in a way that is healing and nurturing.

When those patterns are ignored, he suggests, we have the type of architecture that now fills our cities...dead, mechanical boxes, impersonal and cold.

If is possible, as Mr. Alexander believes, to bring humanity to architecture…then it seems to me that the unconscious world of emotion that lives within us must be a primary source for much of our design criteria.

In our firm, we make it clear to our clients that a successful design is the result of a good partnership between the designer and the client. My partner and I may know a lot more about architecture and construction than our customers, but our clients are the experts on their own values, tastes, lifestyle and budget.

Time and again however, we find that clients approach us with a broad set of assumptions about cost and design, assumptions that are often poorly grounded in fact. These misconceptions tend to color their requests, often causing them to misrepresent their needs and desires.

In other words, people think they know what they want, but are often wrong about significant parts of it.

Over time we have found it important to serve as a “devil’s advocate” and challenge our clients’ preconceived ideas if we were to truly discover their most basic priorities. It soon became obvious to us that if we were sincere about trying to get at these deeper issues within our customers, and not just impose our own design ideas on them, we would have to take them on a journey of discovery.

Each person has a unique relationship with the aesthetics of space and form based on a number of factors, most of which are unconscious and purely emotional. If these items can be identified, and included in their design, they feel psychologically more at home in their new space.

The reason we believe this is that modern neuroscience has effectively proven it to be true. Here are some facts about how your brain works that illustrate what I am saying.

Modern Neuropsychology has effectively proven that less than five per cent of human actions are determined by conscious thought. The remaining 95% of human behavior is strongly impacted by emotion, feeling (sensory and somatic), and other unconscious influences. Decisions about homes are particularly vulnerable to these types of “irrational” decisions as homes serve an ancient and instinctive role in human life, one that has substantial unconscious cultural and instinctive underpinnings.

In real practice, though consumers give lip service to rationality when changing their living space, their decisions are often highly influenced by factors that are beyond their conscious awareness and motivated by developmental or instinctive environmental cues associated with past experiences that elicit neurotransmitter or hormone stimulated emotional response.

In other words, they make most of their decisions based largely on how they feel, while being reasonably certain they are making thoughtful, rational, conscious choices.

Evidence of this fact is that the home improvement industry in the U. S. is perennially the largest source of consumer complaints by industry sector. Real estate agents - despite their central role in the largest sector of the U. S. economy outside of government - are consistently rated amongst the “least trusted” professionals in the nation. According to a May 2006 Harris Poll survey, only 7% of those polled trust real estate agents completely, while 20% trust them not at all. Among 13 types of professionals, only stockbroker advice was trusted less than that of real estate agents.

The custom home building and home improvement sectors are enormously fragmented and inefficient given the vast scope of their activities. Building a single home typically involves as many a twenty or more distinct installation and service businesses – all with separate management, employees, policies and procedures - involved directly in the manufacture on a single small building. Hundreds and even thousands of products are involved, most with an enormous overlap in their functions.

No other industry of that stature has escaped what is typically an inevitable centralization of providers in the marketplace, despite the obvious economic advantages involved. Most consumers now assume there is no holistic way to approach altering their living space and for the most part, they are right.

On the home front, interpersonal issues between co-habitants during the planning and construction of home improvement projects are so common as to reach the threshold of legendary. Everyone on the street knows someone, or has heard of someone, who had a traumatic or at least highly-stressful experience with building or home improvement.

Couples are often unaware of the impact that architectural issues have on small incompatibilities in their relationship.

I sometimes tell a story about a couple for whom I designed a project a while back. It was an addition that included a master suite. As I usually do when designing a master bath for a couple, I had drawn a vanity with “his and her” sinks. They liked the design but the wife assured me they did not need to go to the expense of having an extra sink installed in their bath. She said they were used to a single sink and that was all they would need. I played devil’s advocate and began to ask them about their habits in the mornings.

After a while, I discovered they had an argument almost every day while preparing for work. However, the wife explained, their conflict had nothing to do with the sink.

It was her husband’s fault. He always left his whiskers in the basin when he shaved!

Neither of them had been able to see that it is much easier to add a sink to a bath than to change the habits of a spouse! That may seem obvious, but I have found that such oversights are common. Almost all of us find it hard to separate the forest from the trees when it comes to our immediate surroundings.

In this same vein, I had a customer who refused to design in appropriate storage because his wife would “stack things everywhere anyway.” That’s what’s called a “self-fulfilling prophecy.

All of this tumult, inefficiency and disorganization is caused in large part by a misunderstanding about the true nature of a home. A home is not a building. It is an emotional experience. The old saying “a house does not make a home” illustrates this fact. Intuitively, people are aware of this reality, but in general business practice, this fact is largely ignored.

For years we offered the methods we learned in our firm to solve this problem in a manual workshop, but now we have created an automated web-based software product. My partner and I are on the brink on offering consumers and professionals the fruits of almost a decade of work.

We are now able to predict for each individual and family, what features in the architecture, location and style of a house will actually produce for them the emotional experience of “home.”

That experience is close to the heart, inextricably intertwined with safety and comfort and family. Complicated emotions come into play when the issue of home is on the table. Decisions about the design and cost of our homes are often the single most significant financial choices of our lives.

The pressure is on when you take on a major project. The emotional fire is hot. Building and remodeling our homes can lead to considerable stress. But the story can have a happy ending. Sometimes dreams do come true...and dream homes.

Monday, June 18, 2007

Design Your Own Garage

There is a wealth of resources available to you, if and when you decide to build your own garage, to customize a garage that is already in your possession, or to add an extra garage or storage building to your land. The following is a small sampling of the various avenues that you may consider, when choosing how to proceed when it comes to designing your new garage.

A. Pre-Designed Garage Plans: There are a wide variety of online companies which market plans for building your own garage. Most of them offer instant downloads of plans for backyard structures, garages and sheds, which include detailed lists for materials in addition to complete blue-prints. Sites like Homeplans.com, which offers over seventy different blue-prints for easy outdoor projects, are easy to come by and offer a wide array of easy to customize garage and backyard structure plans.

B. Design Your Own: There are many different software programs out there which will allow you to create your own garage plan blue-print. A notable option is Plan3D which is a web application which allows you to create a new home, garage, barn or shed and then look at it in 3D to see roughly how it will look in real life, on your property. Plan3D is an inexpensive option, which is completely available online and offers a 3-dimensional virtual walk through any garage that you design using the application.

C. Garage Building Kits: These kits are especially popular among steel garages, which are detached buildings built from galvanized steel. The most popular version of the steel garage building resembles an airline hangar, as it is a large arch where both sides and the roof are comprised of the same curved arch. The kits are designed in such a way that practically anyone can build their own garage, but there are also many companies who will come to your home and construct the garage system for you. Steel garages come along with many different potential options, including different styles and colors, and a wide variety of size and shape options. Do it yourself steel garage kits are perfect when you're looking for an extra storage space on your land, or a detached garage. They are easy to both assemble and disassemble, which makes them portable to a degree as well.

Design Your Own Garage

There is a wealth of resources available to you, if and when you decide to build your own garage, to customize a garage that is already in your possession, or to add an extra garage or storage building to your land. The following is a small sampling of the various avenues that you may consider, when choosing how to proceed when it comes to designing your new garage.

A. Pre-Designed Garage Plans: There are a wide variety of online companies which market plans for building your own garage. Most of them offer instant downloads of plans for backyard structures, garages and sheds, which include detailed lists for materials in addition to complete blue-prints. Sites like Homeplans.com, which offers over seventy different blue-prints for easy outdoor projects, are easy to come by and offer a wide array of easy to customize garage and backyard structure plans.

B. Design Your Own: There are many different software programs out there which will allow you to create your own garage plan blue-print. A notable option is Plan3D which is a web application which allows you to create a new home, garage, barn or shed and then look at it in 3D to see roughly how it will look in real life, on your property. Plan3D is an inexpensive option, which is completely available online and offers a 3-dimensional virtual walk through any garage that you design using the application.

C. Garage Building Kits: These kits are especially popular among steel garages, which are detached buildings built from galvanized steel. The most popular version of the steel garage building resembles an airline hangar, as it is a large arch where both sides and the roof are comprised of the same curved arch. The kits are designed in such a way that practically anyone can build their own garage, but there are also many companies who will come to your home and construct the garage system for you. Steel garages come along with many different potential options, including different styles and colors, and a wide variety of size and shape options. Do it yourself steel garage kits are perfect when you're looking for an extra storage space on your land, or a detached garage. They are easy to both assemble and disassemble, which makes them portable to a degree as well.

Home Buyer Beware -- Windows that Leak

The number one housing defect is water intrusion. The number one entry path for water is around things that penetrate the exterior walls. Let’s talk about windows.

Most houses are built today with vinyl windows. Don’t get me wrong - vinyl windows are great products. They are energy efficient, relatively inexpensive, recyclable, and require little maintenance. But vinyl windows have some inherent problems that must be correctly addressed during installation.

Installation Damage

20% of new windows may leak because of damage that occurs when the window is handled and installed. Unfortunately, you can’t see this damage. Vinyl windows are especially vulnerable because the corners of the window frame are “fused” together on many brands. During shipping, handling, or installation, the seal at the corner can break.

Improper Installation

We used to slam new windows into houses with little regard for water intrusion other than squirting some caulking around it. Have you ever looked closely at a typical vinyl window? A fin extends from the edge of the frame all around the perimeter. This fin extends over the edge of the opening in the wall. But it’s not very wide. On most windows the fin is less than 1-1/2 inches wide, with holes in it for fastening. So it is really a mounting flange. It is not really sealing out much moisture.

Water can travel horizontally where building wrap, siding, and flashing overlap vertically on a wall. Therefore, you need wide flashing to prevent leaks.

The window industry has come up with the solution: a more stringent installation standard for the person installing the window. The new standard says you must flash around the window when it is installed, using specific steps.

The flashing must be at least nine inches wide and sealed to the window fin on the top, bottom and sides. The idea is to create a nine-inch-wide waterproof flashing around the window.

In addition, the flashing at the bottom of the window extends into the rough opening to protect the framing and finish materials inside, should the window frame leak. Ideally, a sill pan should be installed at the bottom.

Loan Schemes For A Home

Do you want a home loan? Are you in a kind of fix or confusion regarding building or revamping a home. Take a look at the various kinds of schemes and programs that are available in case you are interested to buy, build, or revamp a house.

Most people planning to build a home tend to go for long-term loan tenures, ranging from 10-15 years. Many even go to the extent of opting for tenures as long as 20 to30 years. Why do people tend to go for such long-term tenures? Well, the reason such tenures lowers their Equated Monthly Installments (EMI) and makes it easier for the homowners to pay up. Those who have problems in repaying high loans tend to opt for such long-term tenures.

Generally in long-term loans, banks provide several options. Some banks offer the option where the interest remains fixed for the entire period. In the fixed rate of interest, it is easier to plan your finances and predict the outflow of monthly payments. However, in some cases, the interest may be revamped after every three years. Some loan programs give the flexibility of allowing a fixed rate for a certain portion of the loan amount and a floating rate for the remaining loan amount.

Some repayment options of banks are tailored to suit the needs of the borrower. For example, the borrower can opt for higher amount of loan and pay low EMI during the initial period. In the subsequent years, the repayment will be accelerated with increase in income.

Apart from home loans, if you want to improve your house appearance or you need to go for a repair, then it is best to go for the home improvement loan programs. This type of loan is a secured loan and is offered by the bank where your home is currently mortgage. It is meant for the improvement and the increase in market value of the home.