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Avoiding Basement FloodingIs Basement Flooding a Common Problem?Basement flooding is unfortunately a common occurrence in many parts of Canada. Basement flooding related insurance claims in Canada are estimated to be in the order of $140 million per year based on a multi-year average. This represents an average of approximately 30,000 to 40,000 incidents per year, with an average cost of damages per flooding incident between $3,000 and $5,000. Many cases of basement flooding are not reported. But the good news is that many types of basement flooding may be avoided. This publication explains some of the practical steps you can take to avoid basement flooding. How Serious Is Basement Flooding?Basement flooding is now being recognized as a potentially serious problem. There are many negative consequences associated with basement flooding, above and beyond the inconvenient mess and disruption of household routine. Recent research cites the following impacts:
Before appropriate measures can be taken, it is important to identify the causes of basement flooding. These range from problems originating in the individual dwelling to problems associated with the municipal sewer systems that serve entire communities. Why Do Basements Flood?Water can enter your basement for a number of reasons. Water in your basement is most likely to occur during periods of heavy rainfall, or when snow is melting rapidly during a spring thaw. In these cases, your basement can be wet because of:
Basement flooding may also occur because of:
Basements are also vulnerable to natural river flooding disasters, but these cannot be addressed by individual homeowners. Flooding BasicsMunicipalities attempt to prevent flooding by maintaining the public sewer system. Homeowners with private sewage systems (septic tank and field bed) can appreciate the need for regular maintenance, but unforeseen or accidental problems can occur in any type of system. This is some municipal infrastructure terminology you should know (Figure 1). Sanitary Sewer A sanitary sewer is a pipe buried beneath the street that is designed to transport wastewater from your home. This consists of water from sanitary fixtures and floor drains inside your house, and in some areas includes groundwater from weeping tiles around the foundation of your home. Storm Sewer A storm sewer is a pipe buried beneath the street that is designed to carry storm-related water runoff. Storm sewers are normally much larger than sanitary sewers because they are designed to carry much larger amounts of flow. Sewer Backup Extra storm-related water (from sources other than wastewater and groundwater) should flow into the storm sewer or soak slowly into the ground without entering the sanitary sewer. If excess storm water does enter the sanitary sewer system, it can overload this kind of system. When the sewers are overloaded, the water level in the system rises above normal design levels, and this condition is referred to as surcharge. Basement flooding can occur if the home has sanitary fixtures or floor drains below the surcharge level (Figure 2). Practical Measures to Avoid Basement FloodingBasement flooding problems are best diagnosed by working your way down from the eavestroughs and downspouts, to the lot and foundation drainage, and then to the plumbing system - both inside your home and beyond its connection to the municipal sewer system. Eavestroughs and Downspouts Water pours off your eavestroughs into downspouts. If the downspouts are dumping the water right beside your foundation, it drains directly to the weeping tile and can easily overload your home´s drainage. Make sure downspouts extend at least 1.8 metres (6 feet) from your basement wall. Also, be sure the water does not drain toward your neighbour´s basement walls. It should drain away from your house toward the street, rear yard, or back lane. If your downspouts are connected to your home´s sewer system, or weeping tile, disconnect them. Clean debris from eavestroughs regularly. If they overflow even when clean, replace them with larger size eavestroughs and downspouts. Lot Grading If the land around your home slopes in toward the foundation, rainwater heads right for the weeping tile around the basement and can overload your foundation drainage system. The land around many homes settles over time, and then slopes in toward the foundation. If your lot slopes inward, you´ll want to fill in and grade the lot so that, for at least 1.8 metres (6 feet) out from around the foundation, the land slopes away from your house. Build up the ground around your house so that water drains away from your basement walls. Also, examine sidewalks, patios, decks and driveways. These can settle over time and cause water to drain back towards your basement walls (Figure 3). Extend downspouts so that water flows away from your house and does not collect next to the basement walls and windows. Proper drainage helps to:
Be sure that any drainage improvements you make do not cause water to flow onto your neighbour´s property. Floodproofing Devices If your home drainage system or the neighbourhood´s drainage system overloads, you may still be able to prevent rain water and sewage from backing up into your basement by installing one or more floodproofing devices, such as sump pumps or back flow valves. Each installation is unique and some devices (back flow valves) may require a plumbing permit. Check with your municipal office or a qualified plumber before you proceed with any installation. Sump Pit Drainage System A sump pit drainage system includes a sump pit, a sump pump and a discharge pipe. The sump pit, set into the basement floor, collects water from the weeping tiles around your basement. The pump pushes the water outside your house through the discharge pipe (Figure 4). Place your sump pump discharge pipe so that it:
Sump Pit
Sump Pump
Sump Pump Discharge Pipe
Backwater Valve A backwater valve is a device that prevents sewage in an overloaded main sewer line from backing up into your basement. The valve automatically closes if sewage backs up from the main sewer (Figure 5). A properly installed backwater valve must be placed so that sewage backup will be stopped and not come out through other outlets in your basement, such as sinks, toilets, showers and laundry tubs.
You will normally require a permit and inspection to install a backwater valve and sump pit. Since part of the basement floor will be dug up and since proper placement of these items is important, we recommend that you use a qualified plumbing contractor. Plumbing Fixture Maintenance Have a qualified plumber inspect all floodproofing devices and plumbing fixtures (i.e. sump pumps, backwater valves, floor drains, etc.) regularly to ensure proper operation. Check the operating instructions for more detailed information and safety guidelines, or ask your plumber to explain the details of your system to you. Additional Protection Measures There are also several additional flood protection measures that may be considered. Backup Sump Pump Severe storms are often accompanied by power blackouts. A battery powered backup sump pump may be a prudent investment. Most pumps are made to fit in beside the main sump pump and also have an audible alarm that warns the main pump has failed so that you can attend to its repair or replacement. There are also water powered backup sump pumps available that run by water flowing through the pump impeller. Basement Finishes and Furnishings In the event a risk of basement flooding is still possible, it is advisable to install impermeable floor and wall finishes, such as ceramic tile, to lessen damage and make cleanup easier. Make sure basement furniture has legs that keep the furniture fabrics above any accumulated flood water. Area rugs are a good alternative to full broadloom as these can be removed and properly cleaned in the event of flood damage. Insurance - Just In Case Insurance that fully covers basement flooding damage is an important means of financial protection to homeowners. Most policies include or can include coverage for damage caused by sewer back-up. Make sure your policy includes sewer back-up insurance. Check regularly with your insurance agent or broker to ensure you have appropriate and adequate insurance coverage, including any extensions in coverage that may be available, which were not previously attached. Keep a detailed inventory of your residence. It will be invaluable in the event of loss. Make sure your insurance policies and related records are in a safe location and easily available after an emergency or disaster event. Sources of InformationAdditional sources of information related to basement flooding are listed below. Always check with your local municipality or plumbing inspection department for the latest information on basement flood protection. Associations Sump and Sewage Pump Manufacturers Association AcknowledgementsCMHC wishes to acknowledge the contributions of numerous Canadian municipalities to this publication. All of their public information bulletins were consulted during the development of this publication. Their assistance and cooperation are greatly appreciated. |
There are times when you need to know the airflow from your furnace registers, bathroom exhaust fan or clothes dryer exhaust.
For example, if a house has one cold room in the winter, it is useful to find out if this is because your furnace isn't supplying enough warm air. If you installed a new bathroom exhaust fan, you could use the test to see if it is working properly.
This fact sheet tells you how to do the CMHC Garbage Bag Airflow Test. The Test is a quick way to estimate airflow, by determining how long it takes to fill a common plastic garbage bag.
It is not a precise measurement, but it is a vast improvement over no measurement at all.
Here's how to use the test to measure airflow from a register or exhaust:
If you want to measure air going out, you can hold an inflated bag against an exhaust grill, and count how many seconds it takes for the bag to deflate. Deflation testing is not as accurate as inflation testing, but it is still a reasonable test. Low airflow is difficult to measure by deflation testing.
![]() Figure 1 Tape a garbage bag to a ring of cardboard or a bent coat hanger |
![]() Figure 2 Let the bag inflate over a register |
Using the previous examples, if the measured airflow from a forced-air register is less than 10 L/s, the furnace is delivering only a small amount of heat to a room.
If you install a 100 cfm exhaust fan, and the fan inflates a standard bag in less than two seconds, you have the rated exhaust flow for the fan.
CMHC's Garbage Bag Airflow Test is also useful if you have changed your heating or cooling systems, or if you have made major renovations to your house.
Table 1 Small garbage bag (66 x 91 cm [26 x 36 in.])
| Time to inflate* | Flow of air into the bag |
| 2 seconds | 35 L/s (75 cfm) |
| 4 seconds | 20 L/s (40 cfm) |
| 10 seconds | 10 L/s (20 cfm) |
| L/s = litres per second; cfm = cubic feet per minute * For deflation, add a second. Therefore, 35 L/s would take about three seconds and 20 L/s about five seconds. | |
Table 2 Big garbage bag (79 x 119 cm [31 x 47 in.])
| Time to inflate* | Flow of air into the bag |
| 2 seconds | 100 L/s (210 cfm) |
| 4 seconds | 50 L/s (105 cfm) |
| 6 seconds | 35 L/s (75 cfm) |
| 10 seconds | 20 L/s (40 cfm) |
| L/s = litres per second; cfm = cubic feet per minute * Deflation times are about the same as inflation times. | |
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| Make sure air vents indoors and outdoors (intake, exhaust and forced air) are not blocked by snow or debris. | |
| Check and clean range hood filters on a monthly basis. | |
| Test ground fault circuit interrupter(s) on electrical outlets monthly by pushing the test button, which should then cause the reset button to pop up. | |
| If there are young children in the house, make sure electrical outlets are equipped with safety plugs. | |
| Regularly check the house for safety hazards, such as a loose handrail, lifting or buckling flooring, inoperative smoke detectors, and so on. |
| Have furnace or heating system serviced by a qualified service company every two years for a gas furnace, and every year for an oil furnace, or as recommended by the manufacturer. | |
| If you have central air conditioning, make sure the drain pan under the cooling coil mounted in the furnace plenum is draining properly and is clean. | |
| Lubricate circulating pump on hot water heating system. | |
| Bleed air from hot water radiators. | |
| Disconnect the power to the furnace and examine the forced-air furnace fan belt, if installed, for wear, looseness or noise; clean fan blades of any dirt buildup. | |
| Check chimneys for obstructions such as nests. | |
| Vacuum electric baseboard heaters to remove dust. | |
| Remove the grilles on forced-air systems and vacuum inside the ducts. | |
| Turn ON gas furnace pilot light (if your furnace has one), set the thermostat to "heat" and test the furnace for proper operation by raising the thermostat setting until the furnace starts to operate. Once you have confirmed proper operation, return the thermostat to the desired setting. | |
| Check and clean or replace furnace air filters each month during the heating season. Ventilation system, such as heat recovery ventilator, filters should be checked every two months. | |
| Check to see that the ductwork leading to and from the heat recovery ventilator is in good shape, the joints are tightly sealed (aluminum tape or mastic) and any duct insulation and plastic duct wrap is free of tears and holes. | |
| If the heat recovery ventilator has been shut off for the summer, clean the filters and the core, and pour water down the condensate drain to test it. | |
| Check to see that bathroom exhaust fans and range hoods are operating properly. If possible, confirm that you are getting good airflow by observing the outside vent hood (the exterior damper should be held open by the airflow). See the About Your House fact sheet CMHC Garbage Bag Airflow Test for a simple way to estimate the airflow. | |
| Check smoke, carbon monoxide and security alarms, and replace batteries. | |
| Clean portable humidifier, if one is used. | |
| Check sump pump and line to ensure proper operation, and to ascertain that there are no line obstructions or visible leaks. | |
| Replace window screens with storm windows. | |
| Remove interior insect screens from windows to allow air from the heating system to keep condensation off window glass and to allow more free solar energy into your home. | |
| Ensure windows and skylights close tightly; repair or replace weatherstripping, as needed. | |
| Ensure all doors to the outside shut tightly, and check other doors for ease of use. Replace door weatherstripping if required. | |
| If there is a door between your house and the garage, check the adjustment of the self-closing device to ensure it closes the door completely. | |
| Cover outside of air-conditioning units and shut off power. | |
| Ensure that the ground around your home slopes away from the foundation wall, so that water does not drain into your basement. | |
| Clean leaves from eavestroughs and roof, and test downspouts to ensure proper drainage from the roof. | |
| Drain and store outdoor hoses. Close interior valve to outdoor hose connection and drain the hose bib (exterior faucet), unless your house has frost-proof hose bibs. | |
| Have well water tested for quality. It is recommended that you test for bacteria every six months. | |
| If you have a septic tank, measure the sludge and scum to determine if the tank needs to be emptied before the spring. Tanks should be pumped out at least once every three years. | |
| Winterize landscaping, for example, store outdoor furniture, prepare gardens and, if necessary, protect young trees or bushes for winter. |
| Check and clean or replace furnace air filters each month during the heating season. Ventilation system, such as heat recovery ventilator, filters should be checked every two months. | |
| After consulting your hot water tank owner´s manual, drain off a dishpan full of water from the clean-out valve at the bottom of your hot water tank to control sediment and maintain efficiency. | |
| Clean humidifier two or three times during the winter season. | |
| Vacuum bathroom fan grille. | |
| Vacuum fire and smoke detectors, as dust or spider webs can prevent them from functioning. | |
| Vacuum radiator grilles on back of refrigerators and freezers, and empty and clean drip trays. | |
| Check pressure gauge on all fire extinguishers; recharge or replace if necessary. | |
| Check fire escape routes, door and window locks and hardware, and lighting around outside of house; ensure family has good security habits. | |
| Check the basement floor drain to ensure the trap contains water; refill with water if necessary. | |
| Monitor your home for excessive moisture levels - for example, condensation on your windows, which can cause significant damage over time and pose serious health problems - and take corrective action if necessary. Refer to the About Your House fact sheet Measuring Humidity in Your Home. | |
| Check all faucets for signs of dripping and change washers as needed. Faucets requiring frequent replacement of washers may be in need of repair. | |
| If you have a plumbing fixture that is not used frequently, such as a laundry tub or spare bathroom sink, tub or shower stall, run some water briefly to keep water in the trap. | |
| Clean drains in dishwasher, sinks, bathtubs and shower stalls. | |
| Test plumbing shut-off valves to ensure they are working and to prevent them from seizing. | |
| Examine windows and doors for ice accumulation or cold air leaks. If found, make a note to repair or replace in the spring. | |
| Examine attic for frost accumulation. Check roof for ice dams or icicles. If there is excessive frost or staining of the underside of the roof, or ice dams on the roof surface, consult the About Your House fact sheet Attic Venting, Attic Moisture and Ice Dams for advice. | |
| Keep snow clear of gas meters, gas appliance vents, exhaust vents and basement windows. | |
| Monitor outdoor vents, gas meters and chimneys for ice and snow buildup. Consult with an appropriate contractor or your gas utility for information on how to safely deal with any ice problems you may discover. | |
| Check electrical cords, plugs and outlets for all indoor and outdoor seasonal lights to ensure fire safety; if worn, or if plugs or cords feel warm to the touch, replace immediately. |
| After consulting your hot water tank owner´s manual, carefully test the temperature and pressure relief valve to ensure it is not stuck. Caution: This test may release hot water that can cause burns. | |
| Check and clean or replace furnace air filters each month during the heating season. Ventilation system, such as heat recovery ventilator, filters should be checked every two months. | |
| Have fireplace or wood stove and chimney cleaned and serviced as needed. | |
| Shut down, drain and clean furnace humidifier, and close the furnace humidifier damper on units with central air conditioning. | |
| Switch on power to air conditioning and check system. Have it serviced every two or three years. | |
| Clean or replace air-conditioning filter, if applicable. | |
| Check dehumidifier and drain - clean if necessary. | |
| Turn OFF gas furnace and fireplace pilot lights where possible. | |
| Have well water tested for quality. It is recommended that you test for bacteria every six months. | |
| Check smoke, carbon monoxide and security alarms, and replace batteries. | |
| Clean windows, screens and hardware, and replace storm windows with screens. Check screens first and repair or replace if needed. | |
| Open valve to outside hose connection after all danger of frost has passed. | |
| Examine the foundation walls for cracks, leaks or signs of moisture, and repair as required. | |
| Ensure sump pump is operating properly before the spring thaw sets in. Ensure discharge pipe is connected and allows water to drain away from the foundation. | |
| Re-level any exterior steps or decks that moved as a result of frost or settling. | |
| Check for and seal off any holes in exterior cladding that could be an entry point for small pests, such as bats and squirrels. | |
| Check eavestroughs and downspouts for loose joints and secure attachment to your home, clear any obstructions, and ensure water flows away from your foundation. | |
| Clear all drainage ditches and culverts of debris. | |
| Repair and paint fences as necessary - allow wood fences to dry adequately before tackling this task. | |
| Undertake spring landscape maintenance and, if necessary, fertilize young trees. |
| Monitor basement humidity and avoid relative humidity levels above 60?per?cent. Use a dehumidifier to maintain relative humidity below 60?per?cent. | |
| Clean or replace air-conditioning filter, and clean or replace ventilation system filters if necessary. | |
| Check basement pipes for condensation or dripping and, if necessary, take corrective action; for example, reduce humidity and/or insulate cold water pipes. | |
| Check the basement floor drain to ensure the trap contains water; refill with water if necessary. | |
| If you have a plumbing fixture that is not used frequently, for example, a laundry tub or spare bathroom sink, tub or shower stall, run some water briefly to keep water in the trap. | |
| Deep clean carpets and rugs. | |
| Vacuum bathroom fan grille. | |
| Disconnect the duct connected to your clothes dryer, and vacuum lint from duct, the areas surrounding your dryer and your dryer´s vent hood outside. | |
| Check security of all guardrails and handrails. | |
| Check smooth functioning of all windows, and lubricate as required. | |
| Inspect window putty on outside of glass panes of older houses, and replace if needed. | |
| Sand and touch up paint on windows and doors. | |
| Lubricate door hinges, and tighten screws as needed. | |
| Check for and replace damaged caulking and weatherstripping around mechanical and electrical services, windows and doorways, including the doorway between the garage and the house. See the About Your House fact sheet Attached Garages and Indoor Air Quality for more information on preventing garage-to-house air transfer. | |
| Lubricate garage door hardware, and ensure it is operating properly. | |
| Lubricate automatic garage door opener motor, chain and other moving parts, and ensure that the auto-reverse mechanism is properly adjusted. | |
| Inspect electrical service lines for secure attachment where they enter your house, and make sure there is no water leakage into the house along the electrical conduit. Check for overhanging tree branches that may need to be removed. | |
| Check exterior wood siding and trim for signs of deterioration; clean, replace or refinish as needed. | |
| Remove any plants that contact - and roots that penetrate - the siding or brick. | |
| From the ground, check the general condition of the roof and note any sagging that could indicate structural problems requiring further investigation from inside the attic. Note the condition of shingles for possible repair or replacement, and examine roof flashings, such as at chimney and roof joints, for any signs of cracking or leakage. | |
| Check the chimney cap and the caulking between the cap and the chimney. | |
| Repair driveway and walkways as needed. | |
| Repair any damaged steps. |
The Healthy House is bright, open, energy efficient and welcoming. It can be new or renovated, in downtown or suburbia. Wherever you find it, the Healthy House is characterized by five key elements.
Occupant Health
Healthy Housing™ promotes superior quality of indoor air, water and lighting.
Energy Efficiency
Homes account for about 20 per cent of all energy used in Canada. Of this, about 67 per cent is used for space heating and cooling, 18 per cent for lighting and appliances, and 15 per cent for heating water.
The Healthy House reduces energy use in all these areas, in all seasons. It minimizes heat loss in winter and gain in summer. It relies on efficient heating and ventilation systems, reduces the consumption of electricity and other fuels, and encourages the use of renewable energy. It also reduces the energy used in the manufacture of building materials and in house construction.
Resource Efficiency
The Healthy House makes efficient use of all our resources. It is also affordable and adaptable to changing needs. Efficient use is made of building materials, and construction waste is well managed. Durability of building components is essential. The Healthy House conserves resources, especially water and energy.
Environmental Responsibility
The principles that guide the construction and use of the Healthy House are the cornerstone of environmentally responsible housing.
The Healthy House uses alternative water and wastewater systems, encourages site planning that reduces land requirements, promotes resource-efficient landscaping and considers broader community planning issues such as transportation.
It involves a new way of thinking about how homes and communities contribute to the health of the planet. Houses are becoming smaller and more space efficient with multi-use floor plans. While building lots are smaller, they are more creatively used.
Affordability
For the Healthy House to succeed in the marketplace, it must be good for the owner, the builder and future generations. Many features of the Healthy House make it affordable, and its design makes it easily adaptable to its occupants' changing needs.
Summer Home Maintenance by Carla L. Davis
Summer is a season full of many activities. Pool-side barbecues, family vacations, and children's backyard campouts are just a few. But there's another activity that sometimes gets overlooked, and that is summer home maintenance.
This season presents some prime opportunities to make sure your home is in good working order. Let's examine a few areas you should add to your activity list.
1. Decks: Even the most well-constructed deck will need to be looked over for loose nails and screws, as well as warping or rotting wood. Replace any pieces that pose a safety risk. For easy cleaning, consider using a power washer. This will get rid of the dirt and grime that naturally collects throughout the year on decks.
2. Roof. Roofs require semi-annual inspections. Wind storms, hail, and regular old wear and tear mean you need to visually inspect your roof each year. Clean debris from your roof and look for missing and loose singles. Trim back branches that overhang onto the roof. And be sure your gutter is still free of debris.
3. Water Heaters. Your tank should be drained once a year. This will help with sediment build-up that is inevitable with water heater use. By draining the water heater you can add years to its lifespan.
4. Change air filters. Filters do their job well, and as such, they need changed often. Filters are part of what keeps your home protected from pollutants and allergens. And since they are inexpensive and easy to change, there is not reason not to add this task to your summer activity list.
5. Recreation. Pools are a popular destination during the summer months. Take this time to be sure that tiles and grout are in good repair, or that linings are free from holes in the case of above ground pools. Check your pool's chemistry often. That means twice a week during the summer. And don't forget to clean the pool skimmers often to make sure you get the best circulation, a must for any healthy pool.
Have fun this summer, and remember to give your home a little TLC.
Published: June 14, 2010
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Adirondack chairs-Uniquely-American classic outdoor furniture is made entirely of wood and has a straight back and seat, which are set at a slant to sit comfortably on a hillside or mountain incline, but still be comfortable at any angle.
Gazebo-A gazebo can be freestanding or attached to a garden wall, roofed and open on all sizes to provide shade or shelter.
Planters and window boxes-Planters have become popular because they are both functional and ornamental. Additionally, some can be moved frequently to account for seasonal weather or just to create a change in scenery.
Picnic table-Picnic tables go well on a patio or a deck, but equally as well on the grass or under a tree in the yard. A traditional picnic table is all in one piece so that it wears well without a lot of maintenance.
Trellis-A trellis can function as a unique sun screen or it can be the framework for an outdoor hanging garden. Building it with pressure treated lumber can add life by minimizing rotting and other threats.
Trash can corral or compost bin-While many outdoor projects tend to be cosmetic in nature, here are two ideas that are both practical and pretty. With a trash can corral, you can hide unsightly trash cans and with a compost bin, you can reduce your own carbon footprint in a way that doesn´t take away from the visual appeal of the place.
Buying a home is perhaps the most arduous, expensive and, ultimately, valuable acquisition you'll ever complete
Just one mistake could mean disaster -- perhaps the worst mistake you'll ever make.
In order to avoid titanic trip ups during such a trying transaction, RealEstate.com suggests buyers get to know the most common home buying blunders.
To know them is to avoid them.
Going solo Buying a house is a complex transaction. It should be a team effort. You'll need a real estate agent, lender, inspector, insurer, perhaps a lawyer and other team members to help you through each step of the way. Team build before you start the search.
Love at first sight If you believe in fairy tales you probably shouldn't be buying a home. You won't live happily ever after if you emote your way through the home buying process. Your home should fit your real needs, not your yen for drama. Buy a home that fits your budget and your lifestyle. Be sure the home is in a community and neighborhood you desire. Visit neighborhoods several times before you buy to check out schools, noise and traffic patterns.
'Loanless' shopping Being pre-qualified gives you a general idea of how much you can afford to borrow. It's better to be pre-approved for a given loan. Sellers will take you more seriously. You'll stay on budget.
Overbuying Home buyers buying more than they could truly afford, in part, led to the collapse of the housing market. Buy more than you can afford and your dream home will become the same nightmare. Analyze all your monthly costs including debts, food, transportation, entertainment, and savings. Your total monthly debts, including your mortgage, should not exceed 36 percent of your income before taxes. Don't forget to budget closing costs (often two to five percent of the home\'s purchase price), plus moving, redecorating and maintenance. Look ahead and allow for increases in ongoing expenses such as utilities and taxes.
Misplaced trust You are engaged in what's likely your most valuable acquisition ever. It's a business transaction. Ask family, friends, co-workers, professionals and others you trust for referrals, but don't take their word for it. Vet your team members.
Accepting oral agreements Get it in writing. The rate lock, the home inspection, disclosures, the contract. Always. Should a dispute arise, you've got the details documented.
Skipping the fine print Understand what's really in any document before picking up a pen. Get documents in advance, take time to read them and ask questions. Get copies of your mortgage and closing papers a few days ahead of closing.
Forgetting or betting on resale Avoid buying a home that costs 50 percent more than neighboring homes. Reconsider buying the most expensive home on the block. Neighbors' lower home values will weaken yours. Buy intending to flip your investment only to have the market fail means when it's time to sell your price may not cover your costs.
Making an unconditional offer Protect yourself with these contingencies:
Mortgage financing. You may be preapproved to purchase a house. A formal appraisal confirms -- or not -- that there is sufficient value in the home to warrant the loan. If the house appraises lower than the sales price, the loan may be declined.
Inspection. Never buy an existing or new home without a thorough home inspection. Walk through the home with the inspector to learn more about the house and any concerns he or she may have.
Insurance. Confirm you can get adequate insurance coverage. In some areas, or following certain disasters, it can be difficult to get types of hazard insurance.
Published: April 8, 2010 How many of these did YOU know about?
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A sealed envelope - Put in the freezer for a few hours, then slide a
Knife under the flap. The envelope can then be resealed. (hmmm...)
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Use Empty toilet paper roll to store appliance cords. It keeps them
Neat and you can write on the roll what appliance it belongs to.
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For icy door steps in freezing temperatures: get warm water and put
Dawn dish washing liquid in it. Pour it all over the steps. They won't
Refreeze. (wish I had known this for the last 40 years!)
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To remove old wax from a glass candle holder, put it in the freezer for
A few hours. Then take the candle holder out and turn it upside down. The
Wax will fall out.
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Crayon marks on walls? This worked wonderfully! A damp rag, dipped
In baking soda. Comes off with little effort (elbow grease that is!).
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Permanent marker on appliances/counter tops (like store receipt
BLUE!) rubbing alcohol on paper towel.
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Whenever I purchase a box of S.O.S Pads, I immediately take a pair of
Scissors and cut each pad into halves. After years of ! Having to throw
Away rusted and unused and smelly pads, I finally decided that this would
Be much more economical. Now a box of S.O.S pads last me indefinitely!
In fact, I have noticed that the scissors get 'sharpened'' this way!
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Blood stains on clothes? Not to worry! Just pour a little hydrogen
Peroxide on a cloth and proceed to wipe off every drop of blood. Works
Every time! (Now, where to put the body?) LOL
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Use vertical strokes when washing windows outside and horizontal
For inside windows. This way you can tell which side has the streaks.
Straight vinegar will get outside windows really clean. Don't wash windows
On a sunny day. They will dry too quickly and will probably streak.
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Spray a bit of perfume on the light bulb in any room to create a lovely
Light scent in each room when the light is turned on.
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Place fabric softener sheets in dresser drawers and your clothes will
Smell freshly washed for weeks to come. You can also do this with towels
AND linen.
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Candles will last a lot longer if placed in the freezer for at least 3
Hours prior to burning.
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To clean artificial flowers, pour some salt into a paper bag and add the
Flowers. Shake vigorously as the salt will absorb all the dust and dirt
And leave your artificial flowers looking like new! Works like a charm!
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To easily remove burnt on food from your skillet,! Simply add a drop or
Two of dish soap and enough water to cover bottom of pan, and bring to
A boil on stove top.
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Spray your TUPPERWARE with nonstick cooking spray before pouring
In tomato based sauces and there won't be any stains.
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Wrap celery in aluminum foil when putting in the refrigerator and it will
Keep for weeks.
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When boiling corn on the cob, add a pinch of sugar to help bring out the
Corn's' natural sweetness.
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Forehead. The throbbing will go away.
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To get rid of itch from mosquito bites , try applying soap on the area
And you will experience instant relief.
==============================
Line. So, get your chalk out and draw a line on the floor or wherever ants
Tend to march See for yourself.
==============================
Use air-freshener to clean mirrors. It does a good job and better still,
Leaves a lovely smell to the shine.
==============================
When you get a splinter, reach for the scotch tape before resorting to
Tweezers or a needle. Simply put the scotch tape over the splinter, and
Then pull it off. Scotch tape removes most splinters painlessly and easily.
==============================
Now look what you can do with Alka Seltzer........ Clean a toilet.
Drop in two Alka Seltzer tablets, wait twenty minutes, brush and flush.
The citric acid and effervescent action clean vitreous China.
==============================
Clean a vase.
To remove a stain from the bottom of a glass vase or cruet, fill with water
And drop in two Alka Seltzer tablets.
==============================
Polish jewelry.
Drop two Alka Seltzer tablets into a glass of water and immerse the
jewelry for two minutes.
==============================
Clean a thermos bottle.
Fill the bottle with water, drop in four Alka Seltzer tablets, and let soak
for an hour (or longer, if necessary).
==============================
Unclog a drain.
Clear the sink drain by dropping three Alka Seltzer tablets down the
drain followed by a cup of Heinz White Vinegar.. Wait a few minutes,
and then run the hot water.
=============================
Do your friends a favor. Pass this timely information on to a friend! Makes you wonder about ingesting Alka Seltzer, doesn't it?
******************************************************************************
ASPARAGUS ROLL-UPS
A GREAT APPETIZER TO MAKE AHEAD AND FREEZE.
2 WHITE
8 OZ. ROQUEFORT CHEESE (250 G.)
8 OZ. CREAM CHEESE (250 G.)
1 TBSP. MAYONNAISE (15 ML)
1 EGG
36 FRESH ASPARAGUS SPEARS
½ CUP BUTTER, MELTED (125 ML)
PREHEAT OVEN TO 350 DEGREES F. CUT CRUSTS OFF BREAD AND ROLL EACH SLICE FLAT WITH A ROLLING PIN. COMBINE CHEESES, MAYONNAISE AND EGG IN BLENDER AND SPREAD ON BREAD. TOP WITH ONE ASPARAGUS SPEAR AND ROLL UP. CUT INTO 3 PIECES. ROLL IN MELTED BUTTER AND PLACE ON UNGREASED COOKIE SHEET. (AT THIS POINT YOU MAY LAYER ROLLS BETWEEN WAXED PAPER AND PLACE IN AN AIRTIGHT CONTAINER AND FREEZE.) BAKE FOR ABOUT 15 MINUTES OR UNTIL WELL BROWNED. MAKES APROXIMATELY 9 DOZEN.
"THERE´S NO PLEASURE IN HAVING NOTHING TO DO-- THE FUN IS HAVING LOTS TO DO AND NOT DOING ANY OF IT!"
***************************************************************
BRANDY CHEESE SPREAD
THE LONGER STORED - THE BETTER TASTING!
½ CUP BUTTER, SOFTENED (125 ML)
3 CUPS GRATED CHEDDAR CHEESE (750 ML)
1 TBSP. SESAME SEEDS (15 ML)
2 TBSP. BRANDY
BLEND TOGETHER, COVER AND REFRIGERATE UNTIL ½ HOUR BEFORE SERVING. YUMMY ON CRACKERS! MAKES 2 CUPS.
"ONE THING´S FOR SURE IF YOU HAD YOUR LIFE TO LIVE OVER AGAIN, YOU´D CERTAINLY NEED MORE MONEY!"
***************************************************************
CHEDDAR BEER BREAD
"This only takes 10 minutes to put together and you will look like a pro!"
3 CUPS OF FLOUR (150 ML)
1 TBSP BAKING POWDER (15 ML)
¾ TSP. SALT (3 ML)
2 TBSP SUGAR (30 ML)
2 CUPS GRATED SHARP CHEDDAR CHEESE (500 ML)
½ CUP FINELY CHOPPED ONION (125 ML)
3 GARLIC CLOVES, MINCED
12 OZ. CAN BEER (341 ML)
PREHEAT OVEN TO 350 DEGREES. ALL YOU NEED IS A FORK AND A BOWL. COMBINE ALL THE INGREDIENTS (EXCEPT THE BEER) UNTIL WELL MIXED. ADD BEER A QUARTER AT A TIME UNTIL ALL THE INGREDIENTS ARE BLENDED. SPOON INTO A GREASED AND FLOURED 4" X 8" LOAF PAN (OR A SERIES OF SMALL LOAF PANS) AND SMOOTH DOWN WITH FORK. BAKE FOR ONE HOUR.? REMOVE FROM PAN AND COOL ON WIRE RACK. SERVE WARM WITH SOUP OR STEW.
"BEER MAKES YOU SMARTER -- IT MADE BUDWEISER!"
**********************************************************
CHILI CHEESE BREAD
"Make this once and you´re hooked!"
3 CUPS GRATED MONTERE JACK CHEESE (750 ML)
4 OZ. CAN DICED GREEN CHILIES, DRAINED (115 G)
1 CUP MAYONNAISE (250 ML)
1 LOAF FRENCH BREAD
COMBINE CHEESE, CHILIES AND MAYONNAISE. CUT BREAD INTO THICK SLICES AND SPREAD WITH CHEESE MIXTURE. PLACE ON COOKIE SHEET AND BROIL UNTIL CHEESE IS BUBBLY AND LIGHTLY BROWNED.
"TO EXERCISE IS HUMAN -- NOT TO IS DIVINE!"
********************************************************
GARLIC HERBED POTATOES
"Smooth and creamy!"
7-10 POTATOES, PEELED & QUARTERED
8 GARLIC CLOVES, PEELED
PINCH OF SALT
¾ CUP SOUR CREAM, ROOM TEMPERATURE (175 ML)
2 TBSP. BUTTER (30 ML)
1/3 CUP CHOPPED FRESH PARSLEY (75 ML)
PEPPER TO TASTE
PLACE POTATOES IN A LARGE POT OF WATER WITH GARLIC AND SALT. COOK COVERED 20-30 MINUTES OR UNTIL TENDER. DRAIN WELL. RETURN POTATOES TO POT OVER HEAT FOR AT LEAST ONE MINUTE TO DRY OUT EXCESS MOISTURE. MASH POTATOES, ADD SOUR CREAM AND BUTTER, BEATING UNTIL SMOOTH. STIR IN PARSLEY AND PEPPER. SERVES 8.
"PEOPLE WILL BELIEVE ANYTHING IF YOU WHISPER IT!"
*************************************************************
CAESAR BURGERS
"A burger above reproach!"
1 ½ LBS LEAN GROUND BEEF (750 G)
¼ CUP FRESHLY GRATED PARMESAN CHEESE (60ML)
2 TBSP. LEMON JUICE (30 ML)
1 TBSP. ANCHOVY PASTE (15 ML)
1 TBSP. WORCESTERSHIRE SAUCE (15 ML)
1 EGG, BEATEN
2 TBSP. OLIVE OIL (30 ML)
1 GARLIC CLOVE, MINCED
LETTUCE
BUNS
COMBINE BEEF, HALF OF THE PARMESAN CHEESE, LEMON JUICE, ANCHOVY PASTE, WORCESTERSHIRE SAUCE, EGG AND PEPPER. SHAPE INTO 4 PATTIES ABOUT ¾" THICK.BROIL OR GRILL. COMIBINE OIL AND GARLIC, BRUSH OVER CUT SIDE OF BUNS. GRILL UNTIL TOASTED. SPRINKLE BURGERS WITH REMAINING CHEESE. TOP EACH WITH LETTUCE AND SERVCE ON BUNS. SERVES 4.
"AGE IS NOT AN IMPROVEMENT UNLESS YOU'RE A CHEESE!"