Your Questions About Real Estate

Sandra asks…

I am looking for gov. grants for a chain of group homes? I live in the DC area? I would like to rehab a home.?

There is a home that I am looking at that I want to buy but fresh out of grad school I do not have the money to buy and rehab it. The home is in a perfect location and the owner wants to sell it to me. I was wondering if there is any type of government programs that could assist me with this project. Thanks in advance for your responses.

The Expert answers:

Good luck!

The world is lucky to have people like you who are willing to do this important work!

George asks…

What credit score do you need to buy a house?

I’m going into my junior year of college and I’ve been saving my money for a down payment for a while. My mother is a real estate agent and she promised to help me buy my own house after my rental lease is over in 12 months. My neighborhood also has a lot of programs that match savings towards first time home buyers in DC. So money is not the problem. I’ve been establishing my credit since I turned 18, I’ve paid everything on time, and I monitor my credit reports for errors. What credit score should I be aiming for in order to be able to purchase a home?

I understand that I’m young and people normally don’t purchase homes this early. But I have steady employment and I don’t see the point in seeing my money wasted on rent without ownership.

The Expert answers:

You have most of the data you need;
any score will allow you to buy a home; but the
% of the value lent will change and so will the points and
the interest rate offered.

[also, for the knowledge value, learn about county treasury dept
tax sales that occur every Spring.

Luck and congrats on your future purchase

Donald asks…

What components do I need to use solar power to charge deep cycle batteries to run my household Ver.2?

Many Thanks in Advance to all help given!

I am aiming to completely cut myself off the electricity grid, had enough of the constant increases in electricity payments….

I have saved up enough money to have a solar power system setup for my house but none of them come with deep cycle batteries.

I am looking into joining/acquiring solar panels for my roof but I have a problem…

I work a lot of nights from home, 5/6 out of 7, and so use a lot of electricity during the night.

I am looking for a solar system but with the ability to store electricity in deep cycle batteries so that I can use the power during the night.
So if I were to take out a solar-share program – I would need a bank of deep cycle batteries so that I can run my house appliances during the night which is when I work.
I have 2 PCs running 24/7 one of which is used for extreme number-crunching (high-end Graphics rendering) and its power supply is 1200Watts.

Is it possible to have a bank of deep cycle batteries that I can install in the house that can be charged with solar electricity so that I can use them to power my house during the night and power my house during the day with the solar energy provided with the solar panels?!?

I am looking into getting a solar plan from HomeSun, who are looking like a worthy candidate at the moment, but I need info on the full list of components needed to install a bank of deep cycle batteries into my house…

Also what other components would I need to consider buying as home appliances don’t like battery power (DC) only electricity from the mains (AC)…

Altogether the main electricals constantly running in the house are:
3 x 24″ monitors (constantly on)
1 x 42″ TV (constantly on)
1x 32″ TV (used only for 8hrs per day)
1 x PC @ 1200watts power supply (constantly on)
1 x PC @ 600watts power supply (constantly on)
1 x standard cctv motorised camera (constantly on)
Fridge/freezer (constantly on)
microwave clock (obviously not running constantly!)
cooker clock
sky box (if not on, in standby)
vcr/DVD combo (if not on, in standby)
house lighting bulbs are all swapped for energy efficient
4 mobile phone chargers (used occasionally but unplugged when not in use)
1 laptop being charged once every 2 days

I’m heavily considering a Feed-in-tariff but can’t afford to out-right buy the system, only to ‘rent’ my roof space but…

would one of these FiT’s supply enough electric to charge a bank of batteries so that they will last me the entire night ?!?

The FiT’s surplus electric, as I understand, will be pumped back into the grid and sold back to the grid and the profits would go directly to the company!

I am not worried about the extra money generated by the company’s surplus electric (link below)

http://www.homesun.com/our-products-and-services/free-solar/

but only after a way to keep a bank of batteries charged enough to make it through the night!

also…!
I will still have the electric meter (charge key type) just in case there isn’t enough juice to keep all my electronics alive through the night but my intention will be to hopefully only spend like £2/3 a month, if that, on the electric!

- so the company will setup the solar system

and all I will have to buy extra is the bank of batteries, a charge regulator and an inverter.
My last question is; do I just buy 20 x 12 volt deep cycle batteries (to make up 240v) and how do I calculate how much power my electricals are using per night ???

Once again thanks in advance!

Any and all help with my direction will be greatly appreciated and many thanks in advance
- Please NO answers to ridicuously priced Amazon books!
Thanks.
Please try to help me on the question/s i have asked and please dont SPAM this Question with Irrelevant crap just so you can get ‘Reply Points’

The Expert answers:

I’m not an expert but, you will not need batteries, during the day, if you are not using any power, you will be able to sell it to the eletrictity co. For a credit, then at night the power you use, will be removed from the credit and every mounth YOU will get a check in the mail..

Helen asks…

Can you both SUPPORT Arizona’s bold stand against illegal immigration and OPPOSE 1070?

I consider myself to be a conservative-leaning realist when I say that Arizona has every right to defend its sovereignty, on behalf of and not against the will of the people, from threats, be they foreign or domestic. 1070 shows bold resolve to defend Arizona from the economic and social burden of illegal immigration, as in an economic burden on the citizens of Arizona and an economic bonus for the corporations that control the DC government.

I do not believe 1070 is constitutional or rational for several reasons. Reason number one, it is the natural right of every person, not every “citizen”, but every PERSON, to peacefully travel. Every person has the right to life, and to be alive you must exist, and to exist you must be located somewhere, and since motion is inherent in life you are always “traveling” from location to location, be they 10mm or 10 miles apart, thus you have a natural, “God-given” right to travel. “Papers, please” policies, which include mandatory possession of ID ready for inspection and DUI or drug checkpoints, are blatant violations of the right to unimpeded travel.

Now some will already have their axes out to cut off my head. Will the rational people here please restrain them so I may finish.

My second reason for opposing 1070 is this is not a solution. 1070 allows the State Government to crack down on illegals. The illegals are not the problem, they are the SYMPTOM.

The causes of illegal immigration include the unfair trade agreements, especially NAFTA and GATT, that flooded Latin America with subsidized farm produce, thereby destroying the local agricultural industries and forcing millions of Latinos to march north to find work.

Entitlement programs are another cause of illegal immigration, for someone who can jump the fence and pop out a kid can get a free ride and get a free ride for the child as well. Absent all emotional rants, that is the way it is.

SO, how can Arizona protect it’s sovereignty from illegal immigration? Federal mandates and subsidies caused the problem, and only the nullification of Federal mandates and subsidies can end it. This may be done in two ways: one, the laws are repealed; two, the contract between Arizona and the United States is repealed. Arizona is bound to the Union voluntarily as long as the Union protects Arizona and her peoples’ freedoms; when this agreement is not fulfilled, Arizona has the right to secede and arrange a new central government that will effectively protect the liberties of the people, including the right to travel peacefully without unwarranted searches and seizures. Yes, I said it, Arizona may secede.

How would this be good for Arizona? If I could list the reasons, I would include the following: the Federal mandates that encourage illegal immigration would be null and void; Arizona could nullify all subsidies that ensnare farmers of plant and livestock alike to serve major food corporations like Monsanto and Smithfield (watch “Food Inc.”); Arizona could ban Monsanto’s GMOs from the state and not be bound to the will of ex-Monsanto corporate officers in the FDA pretending that GMOs have a positive effect on the world; Arizona citizens would (still) not have to pay Federal Income taxes and fund illegal wars overseas; Arizona’s troops could FINALLY come home; Arizona would not be bound to pay for the US Federal Debt (for those of you who decry Obama’s adventurous spending, I hope I now have your attention); Arizona could eliminate government entitlement programs that are more akin to buy-off programs; ARIZONA COULD NULLIFY POLITICAL PARTIES!

Those, especially that last one (God forbid we have to vote for a candidate based on his POLICY rather than his color, red, white, black, or blue!), should do for now.

How can 1070 work when it is a violation of the human right to travel peacefully (this does not include drug-smugglers or individuals who have appeared in the news assaulting rural farmers)? How can a band-aid on an infected wound be expected to cure the infection? Do we not have to strike the infection at the source, the incentive, the infection of unConstitutional legislation, and not at the scab or pus of the wound?
@ Easy – “No” what?
@ Jets under Pa – I stopped reading your answer at “what you have to.” I do not take orders from you. Feel free to tell me what you think, but I do not take orders from you.
@ Chris Tanzu – thank you for demonstrating the attention span of a gnat for us.
@ Soccer Taz – that wasn’t my question, and a right is a right, it cannot be revoked. Tell me, does a woman have a right to NOT be raped? What if she is assaulted by a dozen horny men, does that revoke her right to not be raped? You know the answer to that. Unlawful denial of a right doesn’t revoke the right.

Drivers licenses are unrelated. You need experience in operating a motor vehicle and so a license to operate motor vehicles proves your ability to operate a motor vehicle. It’s use in identifying “subjects” at illegal DUI checkpoints, I believe, is a violation of privacy, but as an item to prove that you have earned the privilege of operating a vehicle, that is both perfectly acceptable and unrelated to the question.

Just saying it as I see it.
@ Tim …can you translate that?
Jets, you are funny ;) have a cookie
@ soccer taz – without the incentive for illegal immigration, it becomes a non-issue. Increasing the paperwork in legal immigration encourages illegal immigration as well. Do I think people should have documentation? Not really, beyond government control I don’t see the point (coming from a person who holds and uses an Australian work/holiday visa and a New Zealand work/holiday visa, both of which cost money but are purposeless to the holder as most functions of life, apart from, say, voting in local governments, can happen without showing your “papers”).

Visas are more about control than they are about…well, what were they about to start with, other than control?

The Expert answers:

JetsUnderPats 14-31,

The day you are convinced that you are right, email mail me and I will prove you wrong, easily! Because I can show the studies that have been done in the past 10 years in various states that illegal immigration is costing America billions! If I remember one study done in Iowa correctly, it cost them 24 million a year alone!

So imagine how much it’s costing our border states along with NY and FL!

David asks…

what components do i need to use solar power to charge deep cycle batteries to run my household?

Many Thanks in Advance to all help given!

I am aiming to completely cut myself off the electricity grid, had enough of the constant increases in electricity payments….

I have saved up enough money to have a solar power system setup for my house but none of them come with deep cycle batteries.

I am looking into joining/acquiring solar panels for my roof but I have a problem…

I work a lot of nights from home, 5/6 out of 7, and so use a lot of electricity during the night.

I am looking for a solar system but with the ability to store electricity in deep cycle batteries so that I can use the power during the night.
So if I were to take out a solar-share program – I would need a bank of deep cycle batteries so that I can run my house appliances during the night which is when I work.
I have 2 PCs running 24/7 one of which is used for extreme number-crunching (high-end Graphics rendering) and its power supply is 1200Watts.

Is it possible to have a bank of deep cycle batteries that I can install in the house that can be charged with solar electricity so that I can use them to power my house during the night and power my house during the day with the solar energy provided with the solar panels?!?

I am looking into getting a solar plan from HomeSun, who are looking like a worthy candidate at the moment, but i need info on the full list of components needed to install a bank of deep cycle batteries into my house…

Also what other components would i need to consider buying as home appliances don’t like battery power (DC) only electricity from the mains (AC)…

Any and all help with my direction will be greatly appreciated and many thanks in advance

The Expert answers:

You would need to add up all of the wattage of the appliances that you would likely use at the same time and make sure your batteries would be able to supply that and for enough time for them to recharge enough.

You would need bright sunshine for days to charge them fully, as solar panels, (even a roof load) would not supply their peak output, except in constantly sunny weather.The sort of use you are looking at, would drain the batteries in 10 hours.The solar trickle charging would not make up that shortfall.Most people that have these systems have very little in the way of appliances, especially those that use a lot of power.

What would you do if the batteries run out completely and you have no electricity (as you have cancelled your contract)?

For batteries, you are looking at submarine type cells as they would be able to store a few kilowatts.Depending on the battery type, they would need some sort of maintenance too.

You would also need a charge regulator, an inverter (allowing for the wattage as above) to convert 12v DC to 240V AC. These would need replacing as the substance used in them is not everlasting and ‘wears down’ with use. Add to this cables to connect to your fuse box/distributor board.Also a meter to show how much power is being produced from your panels (might come with them).

If you work days, would not an Economy 7 tariff work out cheaper? If you are like me and mostly use electrical stuff at night (or charge up things then), the cost would be about 30% of the daytime electricity price.Just as a back up in case your batteries aren’t getting enough charge during the day.

Also, if the batteries are full, you could sell excess power to the grid and make some money, at least off-set what you use. They are called ‘feed-in tariffs’.

Mandy asks…

Help me buy a good treadmill?

So i want to buy a good treadmill for my home. My main concern is jogging and for weight loss. I recently went to a shop and liked a treadmill but i don’t have knowledge about treadmill so i am mentioning the description of the treadmill and the company name so please give me your suggestion whether it is a good choice and also tell me what things i should i consider before buying a treadmill.
Name of the company: COSCO FITNESS.
Model name: CMTM-SX-2020/2222
Description: 4 in 1 motorised treadmill, foldable, emergency stop, meter displays: time, speed, distance, calorie, pulse.+ Vibration belt twister and sit up pads.
Specifications: Motor- 1.5hp DC. Belt size- 15″ * 44″. Manual incline.
FEATURES:
Motor (hp) DC: 1.5 hp duty.
Motor control system: Pwm motor
Running Area(inch): 15″ * 44″
Speed range: 12KPH
Incline range: 3 level.
Cushioned Deck: Yes.
Electronics: LCD (blue)
S/D/T/P/C
1 manual
8 Programs
S/D/T/C/P/
Prog.
Pulse function: Yes.
Fold Ability: Yes.
Length/Width/Height (mm) : 1459 (L) * 550 (W) * 1300 (H)
Weight (ng/gw): 49/54 Kgs
User weight (Kgs) : 100 Kgs
Special features : Vibrator,
Twister,
Sit up pads,
Safety Keys.
T= time, D= distance, C= calories, P= pulse, S= speed.

Please help me and Thank You in advance.

The Expert answers:

GO FOR IT!!!! :) JUST THE PERFECT ONE!!

Linda asks…

House Price Change While Under Contract?

I bought a house through the USDA’s Guaranteed Home Loan program. (It is essentially an FHA loan that the USDA pays off should I default on the loan)

I signed a Purchase Agreement on April 7, 2008 and after many delays went to closing on August 20, 2008.

I went onto their web site on September 5, 2008, to look for a house for a friend, and not only was my house was still on there, but listed for a price that was $19,700 lower than I paid!!!

Although I’ve already been to closing, I’m pretty sure it’s not legal (or ethical) to change the price of a house once it’s under contract.

I do not know when the price reduction occured, but it was definitely while the contract was in place.

The USDA, naturally, says it didn’t happen; I have print outs of the web pages from April at the higher price and from September at the lower price, so I can prove the price difference.

I’ve written to the Attorney General of my state and to the National Fair Housing Alliance in DC.

I plan on following this through until I receive some form of satisfaction.

Any suggestions of who else to contact?

Thanks.
Paula
The USDA has two distinct programs and you can read the details of them at www.usda.gov under Rural and Community Development, then click on Home Financing in Rural Areas.

The Expert answers:

I would contact the USDA. I have not heard of this program.

I have been in real estate sales for 30 years and I can tell you that government programs rarely make any sense. It is just required that all the rules be followed. They will not adjust your sales price unless it is required of them to do so in their rules and I doubt that is required.

Sharon asks…

Non-refundable group airline ticket?

I have a round trip ticket FLL-DCA and DCA-FLL from the 25th to the 30th. Since the ticket was purchased at a group rate, the airline claims the ticket is non-refundable. I am in dire need of being compensated for my loss by sale or by direct refund. I have a trip planned from the 19th to the 24th in NY and I was thinking I could take a train from NY to DC and then catch the return trip that I already paid for to get back home. The airline tells me this is impossible. First of all, I would like for someone to either confirm or deny the possibility of traveling only one way on a round trip ticket bought at group rate. (I’m using U.S. Airways) Second of all, I would like for someone to let me know how I could sell the ticket (if there is a website or program that would buy it, etc.) I can do one free name change which enables me to give this ticket to anyone. (I payed 289 for the ticket so I would like something close to that) Please, offer all information you can. Also, if anyone is interested in purchasing a round trip ticket from FLL to DCA and back on the 25th and 30th of July, please let me know. Thank you all so much.

The Expert answers:

Unfortunately, it looks like the airline is correct.

The typical airline ticket policies now include language that states that if you do not travel on any portion of your ticketed travel, all future segments on your reservation are cancelled and forfeited.

You’d be able to travel one-way if you traveled the FIRST part of your trip, but once you fail to show for any segment on which you were booked, the airline reserves the right to cancel your reservation in its entirety.

I’m not aware of a website or program that would buy it. I think your best bet is to post an ad on Craigslist or something like that.

Good luck.

Joseph asks…

If President Obama is so far to the left,why does his education platform sound so moderate?

Volunteer in your neighborhood & we help pay for college. (Feb 2009)
# $2,500 tax credit for all four years of college. (Feb 2009)
# Quitting high school is quitting on your country. (Feb 2009)
# Invest in early childhood education and higher education. (Aug 2008)
# Fight for social & economic justice begins in the classroom. (Jul 2008)
# Make math & science policy a national priority. (Jul 2008)
# To compete, students need at least H.S. & college degree. (Jun 2008)
# Pay for college education for those who commit to teaching. (Jun 2008)
# We need real commitment to education; instead we got NCLB. (Jun 2008)
# $10 billion to guarantee early childhood education for all. (Jun 2008)
# Merit pay ok if based on career instead of a single test. (Apr 2008)
# Evolution & science aren’t incompatible with Christian faith. (Apr 2008)
# Mother home-schooled Obama in English while in Indonesia. (Apr 2008)
# Children’s First Agenda: zero to five early education. (Feb 2008)
# $4,000 college tuition for 100 hours’ public service a year. (Feb 2008)
# Put billions of dollars into early childhood education. (Jan 2008)
# Need after-school and summer programs with good parenting. (Jan 2008)
# Get parents re-engaged in educating the children. (Dec 2007)
# Nationwide program to reconstruct crumbling school buildings. (Sep 2007)
# STEP UP: summer learning opportunities for disadvantaged. (Aug 2007)
# We left the money behind for No Child Left Behind. (Aug 2007)
# Pay “master teachers” extra, but with buy-in from teachers. (Aug 2007)
# Supreme Court was wrong on school anti-integration ruling. (Jul 2007)
# Incentives to hire a million teachers over next decade. (Jun 2007)
# Pay teachers more money & treat them like professionals. (Jun 2007)
# Cut banks out and add $4.5 Billion to college loans. (Mar 2007)
# More teacher pay in exchange for more teacher accountability. (Oct 2006)
# Guarantee affordable life-long, top-notch education. (Jun 2006)
# Sex education needed to help children discuss molestation. (Oct 2004)
# Provide decent funding and get rid of anti-intellectualism. (Jul 2004)
# Address the growing achievement gap between students. (May 2004)
# Will add 25,000 teachers in high-need areas. (May 2004)
# Free public college for any student with B-average. (Jul 1998)
School Choice
# I doubled charter schools in Illinois; but no vouchers. (Oct 2008)
# Vouchers don’t solve the problems of our schools. (Oct 2008)
# FactCheck: McCain for national reforms & also DC vouchers. (Oct 2008)
# Supports charter schools; it’s important to experiment. (Feb 2008)
# We need a sense of urgency about improving education system. (Sep 2007)
# Sends kids to private school; but wants good schools for all. (Jul 2007)
# Public school system status quo is indefensible. (Oct 2006)
# Supports charter schools and private investment in schools. (Jul 1998)
Voting Record
# First Senate bill: increase Pell Grant from $4,050 to $5,100. (Aug 2007)
# Sponsored legislations that recruit and reward good teachers. (Sep 2004)
# Voted YES on $52M for “21st century community learning centers”. (Oct 2005)
# Voted YES on $5B for grants to local educational agencies. (Oct 2005)
# Voted YES on shifting $11B from corporate tax loopholes to education. (Mar 2005
__________________________________________________________________________________
When I think of Obama’s education platform,I don’t picture small class sizes,entire federal funding,,or educational progressivism in general.Instead,I think of merit pay,unlimited charter schools, and the continuation of seeing teachers as the problem,as he advances a “reformed” NCLB and “Race to the Top.”

The Expert answers:

Because his solution is to “Throw Money” at the problem. That is the Leftist solution to everything. All of the money in the world won’t fix our schools. The only things that will do that is overhauling the failing educational philosophies of the school systems and the teachers unions.

Powered by Yahoo! Answers

Speak Your Mind

Tell us what you're thinking...
and oh, if you want a pic to show with your comment, go get a gravatar!

You must be logged in to post a comment.