Welcome to Building home


Saturday, June 30, 2007

Communication and Your Contractor

Good communication between you and your contractor is the best way to ensure that your project runs smoothly without any glitches. How much communication is enough? Well, in most cases you cant communicate too often. More communication is always better than less. Communication And since there is something new happening on your project more or less every day, a good rule of thumb is to check in with your contractor once per day.

Now, chances are both you and your contractor are very busy, and even with the best of intentions it is going to be difficult to follow through with meeting once per day. Well, thanks to modern technology there is no need for a physical meeting, and daily communication couldn't be made any easier. If daily meetings in person are just not possible, don' t let that stop you from checking in regularly. Use your phone or email instead. Why do you need to have a meeting every day? Well, it all is going smoothly you'll know it and will have peace of mine. But if issues or problems arise—and they will—you'll have a better chance of nipping them in the bud.

Communication

It's a very good idea to come up with a list of questions that you would like answered in your daily update. Make your contractor aware of these questions, so that he knows what to expect. Ask the same questions every day, and your updates, if all is going well, shouldn't take more than a few minutes. Some questions you want to ask might include:

• What did you work on today?

• Are you still on schedule and on budget?

• Did any problems, issues, or concerns arise today regarding the project?

• What are you working on tomorrow?

• Is there anything you need from me today to keep this project running smoothly on time and on budget?

Remember, communication works both ways. If you are having any issues—say you don't like some aspect of the way the project is going—it is important that you bring this up to your contractor as soon as possible. Communication Your contractor may be building you your dream house, but that doesn't mean he can read minds!

Contracts

If you are building your own home, you are going to have to familiarize yourself with contracts. If you are acting as your own general contractor, you'll have to draft a contract for every single person working on your home, from the person who prepares the building site to the person who puts the final coat of paint on the walls. If you hire a general contractor, you'll only have to negotiate with him.

What is the purpose of a contract? A contract should button down and spell out all of your terms in case a dispute arises somewhere during the building process. A good contract should put down in writing specifically what you expect from the contractor, as well as the goods and services he is providing.

While many people put the contract away and never need to refer to it again, a contract can be a great reminder of what you and your contractor agreed upon. It ensures that everyone starts off on the right foot when it comes to communication.

In most cases, your contract will have a standard contract. Before you sign a contract read it very carefully, and have your attorney review it. Remember that contracts are legally binding documents. The project's price, payment plan, and the scope of the project should all be clearly spelled out. A good way to figure out if your contract is clear it to imagine a third party reading it. Would it make sense to them?

A contract should always include the following:

• Names and addresses of all the parties involved.

• The contractor's license and type.

• Workers' Compensation info, including policy number.

• Tax ID, or if your contractor doesn't have one, social security number.

• Location where the home is going to be built.

• Job specifications.

• Price and terms.

• When the project will be completed.

• Warranty information.

• How the parties will proceed if a conflict arises.

• Signatures and dates.

Remember, a good contract is an excellent way to open the path of communication, and ensures that conflicts that may arise down the road are more easily resolved.

Friday, June 29, 2007

Construction Loan Insurance

So, you've decided to build your own home. You've picked out a plot of land, found a house design that you like, and have secured your bank loans. Did you know that you also need three types of insurance in order to get started?

Never fear, your bank requires two of those types before the building process begins! The three types of insurance you will need are:

• Course of Construction
• General Liability
• Workers' Compensation

The first two types of insurance are required by the bank, while the third type, workers' compensation, is required only if the builder has employees. Let's go over the first two types of insurance in a little more detail, so you'll understand exactly how you are protected.

Course of Construction. Course of Construction is an all risk policy that includes fire, extended coverage, builder's risk, replacement cost, vandalism, and malicious mischief. If you are wondering what builder's risk covers, this provision all buildings and structures as well as all equipment used in the building of the home, whether it is on the job site, on route, or in storage.

General Liability. This type of insurance can be provided either by your or your builder. It is a comprehensive general policy or broad form liability endorsement. If you provide the policy there is a minimum of $300,000 for each occurrence required. If the builder provides it, a general policy of $1,000,000 or broad form liability endorsement is required.

You can usually roll the cost of your insurance into your construction loan. Insurance is considered a soft cost, which means it is something non-physical in nature. Hard costs, by comparison, would include things like the materials needed to build the home. This type of insurance can be provided either by your or your builder.

The many risks of construction mean that choosing the right policy is of utmost importance. Finding an insurance agent who is familiar with the construction industry will help ensure that you are properly covered.

Why Cash is So Important

If you are building your own custom home, the importance of having an adequate amount of cash on hand can't be stressed enough. There is nothing like a lack of cash to slow your project down, or even end it.

Why do you need cash if you are planning on getting a construction loan? Because there will always be restrictions and procedures holding that money up. Having cash on hand will ensure your project isn't held up as well. You'll also need some money before your loan is even approved to cover things like permits. In addition to your construction loan, it's a good idea to have as much as 40 percent of your total budget in cash. What will you use it for? Well, here's a not-so-short list!

• You'll need a down payment for your land before you even get you loan. And don't forget to factor in the closing costs for this land.

• It will take sometime to close on your construction loan, but in the meantime you'll need to make your loan payments and pay your taxes. You should have enough cash to cover these expenses for four months.

• Before your loan goes through, you'll need to pay for things like your architect, plans, and permits.

• You'll have monthly costs during construction including property taxes, homeowners' fees, and the house payments of the house you are living in while your new house is being built.

• Your bank lender will give you money after a particular part of the project is completed. You'll need to fund these out of your own pocket up front, and then get reimbursed later.

• You'll always see something bigger or better along the way. You may want to upgrade as you build your house—you may see flooring, appliances, cabinets that you like better than those in your original plan—and it's nice to be able to have the cash to do so.

• The project will probably cost more than you think. No matter how hard you try to stay on budget, if you are like 95 percent of the other home builders, chances are you will go over budget. You'll want some cash on hand for that.

• Something may go wrong. You may have a conflict with your contractor that costs money to work out, or you may run into issues that cause you to make costly changes.

Hopefully this list has you convinced that in order for your home building process to go as smoothly as possible, you need a little cash on hand. Don't make the mistake of relying only on your construction loan.

Thursday, June 28, 2007

Budgeting Your Project

To a certain degree, your lender will have a say in what your budget is for the home you are building. But do keep in mind that most lenders are willing to lend more than you can afford. There is a lot to be taken into consideration when determining what your budget is, and the best way to determine what you can afford is to work with your certified public accountant or financial advisor.

Issues that should be discussed and taken into account when determining your loan amount include:

How much cash you have in the bank, Current tax bracket,Capital gains issues, Diversification of assets, How long you think you'll own the home,Your investment strategy for the long term, Property appreciation,Tax deductions for interest and points, Other debt such as credit cars, car payment, school loans, etc.

Once you have taken all of this information into account, you can arrive at a payment figure that you are comfortable making each month, Once you arrive at that payment figure, you can translate it into a loan amount. How do you do that? You can ask your lender to translate based on the current interest rates and the loan program that interests you, or you can go online and use one of the many mortgage calculators available there.

After you've figured out your loan amount, you also need to look at the amount of cash you have on hand. Your goal is obviously not to spend it all, but when building a new home cash is king. If you have some to fall back on your home construction project is sure to go more smoothly. So figure out how much cash you have and are willing to spend, add it to the loan amount you have arrived at, and voila, you now have an estimate of your total home construction budget.

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.

Wednesday, June 27, 2007

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.

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.

Tuesday, June 26, 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.

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.