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There is a new trend in construction – building with environmental concerns in mind. In this article, we cover going green with insulation in a structure.
Insulation is one of the more urgent green issues in construction. Proper insulation can have such an important role in the reduction of energy waste in a home. The well insulated home holds in the heat and keeps out the cold. Today, with the wide spread use of air conditioning, the opposite is just as true and just as critical. Asbestos and vermiculite, compound containing asbestos, have been widely used as insulating materials. It was efficient and easy to install. It was flame retardant. There were many reasons that made it the popular choice. It was, however, highly toxic.
The story of asbestos insulation is a good example of the totality of the green construction movement. The concept is not about trade offs. We do not pollute our water in order to have more material goods from our factories. We do not foul our air to have less expensive automobiles. We also do not risk our health to have an inexpensive insulation, regardless of how efficient it might be or how well it prevents fires.
There are alternatives, and when we approach these alternatives from the perspective of totality, we often find they are better and less expensive anyway. In the case of insulation, one good example is insulation made from recycled cotton. The cotton insulation is 100 percent recyclable and it is non-toxic. The manufacturing process uses less energy than the manufacturing of asbestos products or even fiber glass insulation.
Another alternative insulation is vegetable oil based polyurethane. It is sprayed into the areas needing insulation and when it contacts air it expands filling in the space completely. This allows an extra tight fit that results in even better insulation than the more toxic insulations that it is designed to replace. These alternative insulations are free of VOC and CFC. These are volatile organic compounds (VOC) and chlorofluorocarbons (CFC) which are common toxic substances in older types of insulation.
Insulation is a major component of going green in construction. The conservation of heat and the reduction of wasted energy are important standards. Yet, green construction is not about trading off one hazard for another, nor reaching one goal by failing to consider its impact on other environmental areas. So, even though insulation is an important part of building green, selecting environmentally safe insulation is just as important. The good news is that, as is often the case, the right choice is not only the safer choice, but many times the least expensive option as well.

the mere idea of green construction, much less the practical application of the philosophy is fairly new. The field is evolving quickly which means periodicals are a good way to keep up with it.
The green construction movement has become well established in the United States and Europe. One sign of this growth is the number of magazines that are devoted to the subject. One such magazine is “Green Source - The Magazine of Sustainable Design.” The new magazine is a product of McGraw-Hill Construction and is targeted to the over 40,000 architects, interior designers, building owners, and members of the U.S. Green Building Council.
Environmental Design + Construction is another magazine that is directed toward architects and designers and that addresses green construction issues. There are articles concerning research issues and current design trends. There are reviews of various products. You can find out about the latest environmental issues that impact green construction.
Green construction is certainly a modern concept. This is reflected in the large number of online magazines and newsletters that are devoted to it. EcoIq is one of these. It is an online journal that claims to be dedicated to “a future that works.” Environmental Building News is a monthly news letter that gives “unbiased” information on green construction. You can check them all out to stay abreast of the latest developments in the field.
There are two very popular green construction magazines published in Canada. Green Living is dedicated to the lifestyle. It is aimed more at consumers than at the builders and designers. It gives information on all of the environmental choices that we are going to be facing in the future. Healthy Living is the other magazine and it is from the same publisher and stresses the healthy aspects of green construction. In keeping with the totality concept of the green lifestyle even the pages of these magazines are made from glossy tree friendly paper that is certified by the Forest Stewardship Council.
These are just some of the periodicals and online publications that are being produced to capitalize on the popularity of green construction. The issues that are raised in these periodicals are of great concern to a wide variety of readers. Builders and designers are kept informed of the newest trends and research, as well as the newest environmentally sound products. The consumer is able to follow this information also, but can take it further. They are able to learn of how these environmental concerns influence the health and well being of their families. Although none of the periodicals have made it into the very top tier of magazines, the day is coming when one of them will move into the best seller list. Green construction is still a rising star on the horizon of the American landscape, and before long a magazine will come along to catch the imagination of the public.

Going green used to be on the fringes of society, but now modern skyscrapers are being built using the philosophy. Here are some interesting things about the movement.
Green structures are not weird or ugly things. They are not necessarily geodesic domes or something that looks like a Mongolian Kurt. They do not have rows and rows of solar panels on the roof or a giant windmill in the backyard. At least, they don’t have to look that way. The truth is that most green structures are indistinguishable from any other building based on appearance. Although style can be modern, it is not how they look they makes them a green structure.
Green structures are not always new buildings. The Leadership in Energy and Environmental Design for existing buildings (LEED-EB) program awards certificates to older building that incorporate green ideas, or make changes that support them. They also have standards for existing building that evaluate the environmental impact of work that has already been done. The green construction movement does not focus completely on state of the art type of technology alone.
The whole idea of going green is not an all or nothing proposition. Many people have the mistaken idea that this is so. They think that in order to be considered a green structure; it has to be built as one from the bottom up and from day one. The truth is that a building can be “a little” green. The idea is environmental protection and even the smallest change or improvement in a building that brings that goal closer makes it part of the green construction movement.
Green structures are not necessarily more expensive. Studies show that buildings consume more energy than any other sector. This includes even transportation and industry. So, energy savings can result in considerable money savings. Operating costs are often much less in green structures when compared to traditional ones. They are just more efficient. Commercial buildings retain and attract tenants better, and they lease and sell faster. There is actually a great deal of money to be saved through going green.
People spend 90 percent of their time indoors according to some studies. The United States Environmental Protection Agency reports that the air quality inside a building can often be two to five times worse than the outside air. Green structures are not something that is of concern to “the other guy”; it can benefit all of us. We all live, work, and often play inside buildings. We all breathe the same air and drink the same water. It is our issue.

As we mature as a species, most people realize we need to take care of our world. That being said, most people think doing so is expensive. So, what does green construction cost?
The cost of green construction is a rather complex subject. It is an easily misunderstood subject also. One reason for this is the idea of an integrated approach that considers the economic benefits of any green project in relationship to the cost. The up front costs of a project may be higher. Yet, these costs are often balanced against the long term low operating costs of the building. It is further complicated by the fact that many of the benefits of the green approach cannot be easily expressed in dollar and cents. If our personal environment is safer and cleaner, and our health is better as a result, how do we quantify this?
In one example cost study done in California, $1578 was added to the cost of a home in order to bring it to a minimal green construction level. The additional costs went into projects that made the home more energy efficient. The estimate was that at current energy costs, the savings would be $185 per year. The initial cost would be amortized over the length of an 8 percent mortgage, and this would yield an additional cost of $139 a year. So, the net result would really be a savings of $46 dollars per year. It is how one prefers to look at this example that they would answer the question of cost. One approach claims the green construction improvements cost over fifteen hundred dollars. Another approach claims that the green improvements actually save over forty dollars per year. It is all a matter of perspective.
Most experts agree that green construction cost ranges from nothing at all to a nominal cost. It is possible to go to the next level and increase costs by using exotic items in the building plan. In most cases, this is not done, and the cost of the green structure does not differ much from the cost of the traditional building. Most builders are trying to do the right thing today anyway. Even when they do not consider what they are doing as green, they still try to do the right thing. They also have some very strict codes they must follow.
It is hard to compare recent projects. Green construction planners do not normally do cost estimates on their jobs comparing traditional costs. Traditional planners do not usually do cost estimates on green construction costs for their projects. In a recent study of 33 properties in California that did compare costs, the cost of going green was about 2 percent higher. This amounted to about $3 to $5 per square foot.
Green construction might very well be the wave of the future. Many new projects take years from the initial planning to the completion of construction. It is likely that code changes, and customer demands will change over the next few years. What would be the cost of scrapping a construction project and starting over again? Green construction costs little, and sometime even saves. It is the wave of the future though, and the bigger cost might come from ignoring it.

Oregon is often referred to as a green state because its bountiful rainfall. As Oregon’s green construction tax benefits reveal, the title is just as applicable to its environmental philosophy.
It is at the state and local level that green construction has been meeting much success in the area of funding and all in tax credits and reductions. Several states have emerged as leaders and supporters of the United States Green Building Council and the LEEDs Certification program. Among the leading states is Oregon. Oregon, which is one of the States that make up the Pacific Northwest region of the country, has a full range of environmental issues. It borders the ocean and has an extensive inland system of rivers and lakes. It has all of the urban issues with the City of Portland, and it is a fast growing state that has seen development encroaching on its pristine forest areas.
Oregon has become one to the leaders of the green construction movement, and one of its heroes, with a Sustainable Building Tax Credit. This credit starts by determining the value of a building based on its square footage and its LEED Certification level. Once this value is determined a tax break of up to 35 percent is given as a credit. The important thing here is the use of the LEED certification level to determine value. It is a way of saying that the higher the level, the more valuable the building. There could hardly be a better way to support the LEED program than to use it to determine tax savings.
Oregon has other tax credits that are green related. The Business Energy Tax credit is one. This credit is designed to encourage the reduction of energy use and waste, and to encourage the use of alternative energy sources. It is also a tax credit that shows Oregon’s commitment to green construction ideals. Recently, Oregon introduced a program to allow non profit organizations to benefit from this credit even though they were mostly exempt from Oregon taxes anyway.
Although Oregon is a leader among the states in support of green construction via tax breaks, other states have instituted similar credits. New Jersey is another state offering credits. The recognition of green construction and its importance by state governments has been a critical factor in the progress of the movement in the United States.
It is only with the combined efforts of all segments will the problems of our environment can be solved. Individuals must do their part by demanding green construction standards of sustainability in their own home choices. Business and industry must also contribute. It is the government sector that holds the real key. Without the support of government, and without laws that can give teeth to environmental initiatives, little real progress can be made. Oregon has become a leader with its tax benefits, and we can only hope other states follow this

Going green is a smart moral choice, but you have to consider the bottom line. With federal tax benefits, you can have your pie and eat it to.
The Internal Revenue Service tax code is not an easy thing to understand. The federal tax benefit though can be found in Subtitle A, Income Taxes. It is under Chapter 1, normal taxes. You must look in subchapter A, Determination of Tax Liability. Then you go to part IV, Credits against Tax, and finally to Subpart A, nonrefundable personal credits. You just have to love the IRS.
In case you do not have the tax code handy, the tax benefit is not that complex. It allows a 30 percent credit on any expenditure for a qualified photovoltaic property used on a private residence within the tax year. It also allows a 30 percent credit on any qualified fuel cell property used on a private residence. The same 30 percent credit is allowed on a solar water heater under the same conditions.
This credit does have a limit of $2000 on the photovoltaic and fuel cell credit, and $500 on the solar water heater. The code also explains how the credit is to be divided in the case of multiple occupants or change of ownership. Although the tax credit is limited and only covers a certain portion of the green construction spectrum, it is an indication of the interest of the federal government. The credits basically deal with items that reduce energy consumption or use alternate energy sources. This is a reflection of the desire to reduce the burning of fossil fuels and the continued waste of energy in the country.
The tax code is very specific about the purposes of the properties that qualify for the credit. They must relate to a building that is used as a private dwelling. The water heater must also be used to heat water for regular domestic purposes. Such luxury items as swimming pools, hot tubs, and saunas would be excluded. The use of items in the structure of the building is allowed. For examples, solar panels that constitute the roof of the structure are still covered under the credit provisions.
This tax benefit does not cover any building done after December, 31, 2007. This means this is the last year to take advantage of the tax benefit as it is currently written. In order to be extended past this date, new legislation must be passed by congress. It will be interesting to see if the tax benefit for green construction is continued. It is generally believed such benefits will not only be continued, but also expanded

As people begin to realize the impact we make on the world around us, going green is becoming a phenomenon. So, just what is green construction?
There has been an increasing concern with environmental and pollution issues in recent years. This has not come about completely without some serious justification. All indications are that we are in a serious crisis. The green construction movement is a reaction to this crisis. Green construction is a home, building, or other structure that is built, maintained, repaired, or even demolished with thought to the environmental impact. This impact may take several forms.
One of these forms is energy efficiency. The production of electricity from the burning of fossil fuels is one of the most harmful activities to the environment in existence today. Green structures incorporate renewable energy sources that might include the use of wind, solar, low impact hydropower, or biothermal energy. The source of power is not the only concern. Another concern is the reduction of power use in lighting and appliances.
Water pollution is another concern addressed in green construction. This is especially true in the case of urban runoff. Storm water runoff is a major source of pollution in rivers and lakes. Green structures take into consideration the reduction of all toxic materials. This includes mercury, asbestos, and lead. These three substances have been linked to major health problems.
Green Building also is involved in waste. Waste is a key word. Waste can be reduced. It can be reused and recycled. The reduction of waste in construction, or renovation, and even demolition involves such things as proper disposal of materials. Landscaping is also involved. Large scale landscaping projects involved with Green Building seek to protect and preserve natural resources as much as possible.
The above are just some of the factors that are part of the green construction movement. They have in common a concern for the environment. There are a wide range of issues that are nearing the real danger point. Global warming has become more than just a liberal hobby, and a recognized scientific fact. Pollution of the sea and the waterways is endemic and increasing. Asbestos and lead have poisoned and sickened thousands.
People are beginning to wake up and realize that we live on a fragile planet and we continue to abuse it at our risk. The green construction movement is a place to stop the slide, and return to sanity. It is a grassroots movement that offers hope not only to us, but also to the generations that will follow us upon this earth

Nicaragua is an awfully nice place to call home, full-time or part of the year. And more and more people who come to visit decide they’d like to be able to return regularly and with their friends and families. They buy building lots...and then reality settles in. They’re faced with the proposition of erecting a house.
Building in a foreign country can be a daunting proposition, especially if you’re operating long-distance in a place where you don’t speak the language.
My husband and I are in this position ourselves, making plans to begin construction of a house on Nicaragua’s glorious south Pacific coast at Los Perros. We have been traveling in the country for nearly a decade and have friends and business partners ready to lend a hand any way they can. Still, we’re nervous.
So many ways things can go awry. Whole houses laid out wrong, with rooms in the front that should be in the back and views of the hillside instead of the beach... retaining walls that crumble... foundations that crack... second-rate fixtures installed when top-of-the-line were stipulated (and paid for)... pools that leak... pipes that burst... (All real-life stories from people we know who’ve built houses in this part of the world.)
How do you successfully manage the construction process from afar? The most important thing is to recognize that you’re not operating in the States. Different building codes. Maybe no building codes. No inspection process. The second most important thing (given the first) is to engage a reliable general contractor who you’ve found with the recommendation of someone you trust and for whom you’ve gotten three current references. Best case (and what we’re trying to arrange) is to be in the country, on site, for the first month of construction. Then your G.C. can take over for you between your follow-up visits. If you can’t be on site when ground is broken and the foundation work, etc., is being done, your G.C. plays an even more important role.
Hire an independent agent to follow the progress of construction for you... to be your eyes on site. Someone living in the country for the duration of construction and who, preferably, speaks the language of the workers. We have someone living in the country who will be able to fill this role for us. When we finally begin building, we’ll get weekly updates and photos by e-mail. Arrange for payments to be made according to construction benchmarks. Maybe 25% to start, 25% after certain milestones, 25% after the next set of milestones, 15% after another set of milestones, and the last 10% after you have been to visit the property and have assured yourself that you’re completely satisfied with the work.
One of the greatest advantages to building a home in this country right now is how affordable it can be. Nicaragua has not yet been hit by the building boom (and rising construction costs) that are common in nearby areas, Costa Rica, for example.
This means that you can build a spectacular home, complete with hardwood floors, French doors, Italian or Mexican tile kitchens and baths, wooden decks, air conditioning, and all the amenities for as little as $45 a square foot--a total of about $60,000 for a spacious two-bedroom home.
Or you could build a home that could be featured in the pages of Architectural Digest for maybe $90 per square foot. But these construction savings won’t last forever.
President Bolaсos is preparing to launch an aggressive campaign to increase the number of foreign visitors to the country from the current 475,000 per year to 800,000 per year by 2006. More visitors will lead to more buyers will lead to higher prices.
Managua, especially, has seen millions of dollars of new construction recently--new hotels, restaurants, apartment complexes, shopping malls. With all this activity, construction prices won’t remain at their current low levels for long.
Here are 14 more tips to help you safely take advantage of the current opportunity to build in paradise:
1. Identify what IS and what IS NOT included in the contract. For example: retaining walls, the pool, landscaping, etc. Get a firm price in writing, and be as specific as possible. Err on the side of detail - include electrical outlets, include the wall lamps by the pool (they’re in the drawing, but make sure they’re in the price), include the “hooking up” of the appliances.
2. Understand how your house will look and what view you’ll have if all the homes around you end up being built.
3. Understand all the maintenance costs--landscaping, security, pool maintenance, bug control (especially on a traditional palapa roof if you’re incorporating one).
4. Consider whether you want to air condition the bedrooms, the public rooms, the hallways, or all of the above. This can make a big difference in the layout.
5. Don’t let your builder change a thing without your consent or giving you a written quote as to how much it will cost.
6. If you’re building on the water, use water- and salt-resistant materials on exposed surfaces (sounds obvious, but your builder may not remember).
7. If you are going to put your house in a rental pool, remember that when you select furniture, bedding, sheets, etc.
8. Make your home storm-proof and provide instructions to your property manager in case of a storm.
9. Expect delays. The weather sometimes will be bad... materials often won’t arrive on time.
10. Pick out your own appliances and finishings-- the tiles, the air conditioners, the generator, the toilets, the light fixtures, etc.
11. Get a warranty in writing from your builder, including such things as plumbing and electricity.
12. A palapa roof looks lovely, but it requires much more maintenance than a tile roof. Palapa is said to last five years. Hornets and scorpions favor the palapa too, so that can be another vote for tile.
13. Talk to your builder about “Covintec” sheeting. It is a wire-framed styrofoam sheet that you can use for walls and roofs. It has excellent thermal qualities and is designed for earthquake zones. It can also be used for pools. It is a great cost- and time-saver.
14. Buy a generator, one that is proportionate to the size of your home. Ask your builder for recommendations.
Keeping in mind you are in a foreign country, be savvy and don’t assume anything… and you can build your beautiful dream home in a tropical paradise

Foothills of the Appalachian Chain
Alabama is home to the southern most foothill, or "wrinkle" of the Appalachian Mountain chain, Double Oak Mountain. Therefore, for all intents and purposes, Double Oak Mountain. could be referred to as the anchor of the Appalachian Chain. Regardless, the proximity of Birmingham to the "wrinkles" of the Appalachian Mountains affords residents looking for a mountain retreat or log home, a natural woodland environment in which to build.
Building a Log Home
Building a log home in Birmingham, Alabama is similar to building a log home off in the mountains or even building a "traditional" home in Birmingham. For instance, you will need to secure financing, locate a lot, find a builder, then wait for the home to be completed. Recently, I have been receiving information requests involving the purchase of log homes in Birmingham and beyond, so I thought I would give a short detail of the steps involved to help people get started.
Log Home Financing
Like other pre-construction loans, you will need to contact your mortgage professional regarding financing your log home. This loan should be similarly structured to any other new construction loan, but your mortgage lender will be able to assist you. Our best advice is the same as any home shopping scenario. Get Pre-Approved prior to shopping. This will greatly assist in your negotiating when working out the details on your log home's build cost.
Finding Land in Birmingham:
Locating the right piece of property for sale on which to build a log home can be tricky. Especially if you are attempting to buy land in Birmingham, Alabama or in one of the surrounding areas. Your best bet would be to contact a local Realtor ® that understands your real estate needs and can assist you in locating property. Many neighborhoods in Birmingham have strict restrictions on the types of homes allowed to be built in that particular neighborhood, so be prepared to look for land outside of established neighborhoods. Parcels of land in varying sizes are for sale throughout the Birmingham area, yet a thorough search of the Birmingham MLS may be needed to ensure success. If starting a search without the help of a real estate agent, I would recommend beginning with lots or parcels of land greater than 1 acre in size. This should eliminate most neighborhoods in the Birmingham area and eliminate the need to sift through unavailable lots.
Log Home Builders:
Once you locate the right lot, find a builder that is familiar with the construction of log homes. Although some log home manufacturers, such as Southerland Log Homes, offer pre-numbered "kits" that can be built by the purchaser, I would recommend hiring a professional licensed contractor to get the job done. (Unless, of course, if you are going for the extreme log home experience, then all you need is a few twigs, some strings, and mud so there isn't much need for a contractor). A professional builder will overlook the project to ensure everything is built to code.
When you have located a builder or two that has experience building log homes, even if it is from a kit, interview them. Get to know them. Get references. This process should be no different than if you are building a spec house or a custom home. If hiring a person to overlook and build your log home, ensure that they are qualified by checking their references, past jobs, and current builds. If the quality is acceptable on their other jobs, odds are in your favor that they will put forth the effort to ensure your home is built at the same level of quality.
Building a Log Home
Once you have secured your financing, land, and builder, building the log home should seem like a breeze. But, prepare for the unexpected. Like many residential builds, the building of your log home can experience delays that can interfere with the original schedule. Inspections will need to be completed by the city, or county, along with any that your mortgage lender requests. Rain can slow things down as well. Be patient though, these types of occurrences are why we recommended the experienced log home builder. For when delays happen, an experienced home builder will be able to navigate through the delays and obstacles by coordinating his subcontractors to maximize their efforts while sticking to the timeline.
Live the Log Home Dream
Ok, it may not be everyone's dream to live in a log home in Birmingham, Alabama, but why not? Basically, building a log home in Birmingham is really no different than building a custom home in a distinguished neighborhood. The basic outline of building a home is the same, except that in the end, you have a log home instead of brick or hardy plank exterior home. About the only difficulty I have discovered is finding the right piece of land for sale in Birmingham that could "hold" a log home and not look silly.

Real estate closings are handled differently in every state. The end result, though, is the same. The Seller and Buyer enter into a Contract; and the Seller transfers ownership of the property the Buyer at closing. It is the process that is different from state to state; and this can be confusing if you are accustomed to the process used in other states.
In North Carolina, closings are usually handled by attorneys who specialize in real estate. In many other states, closings are handled by title or escrow companies; and in those states, the title search might be farmed out to lawyers or real estate paralegals. Historically, because real estate attorneys are involved, title insurance premiums are low in NC compared to other states. When you add up the attorneys fee and the title insurance premium for a closing in North Carolina, the total is comparable and in most cases lower than in other states.
In North Carolina, the real estate attorney usually does quite a bit of work, including these things: reviews the sales contract, performs a title search that covers a 40 year time period, checks for liens and past due taxes, prepares a title report so that a title company will issue a title binder, reviews and prepares certain documents including a loan package, prepares a Settlement Statement, coordinates and conducts the actual closing, updates the title, records the Deed and Mortgage, prepares a final title report for issuance of a title insurance policy, reviews the title insurance policy and sends the original recorded Deed and other documents back to the buyer. In many other states, these different jobs are often farmed out by a title or escrow company; and many times, a lot of these different jobs have separate fees that can really add up.
Your real estate agent can give you the names of qualified closing attorneys in your area. Once you have a few names and recommendations, pick an attorney with these things in mind:
1. Hire a real estate lawyer based on his or her qualifications, experience and background – not based on the fee charged. If anything, a lower fee is an indication that your closing will be handled poorly or by a law firm that operates a real estate closing “factory”. Buying real estate is a huge investment for most of us. Don’t skimp on representation. The downside is too big of a risk.
2. Do not hire a lawyer to handle your real estate closing without speaking to him or her before you engage them to do the work. This is your opportunity to ask questions and raise any concerns that you have about the process. You might not speak to the lawyer again until closing, and that’s OK. If you have spoken to the lawyer prior to the actual closing, though, he or she will take a greater interest in you. It’s just human nature.
3. When you talk to the lawyer, ask any questions that you have about surveys, title insurance, scheduling, and what to expect in general. You are not required to attend the closing in person if you make the appropriate arrangements ahead of time. If you cannot be present for the closing, tell your lawyer during this conversation. Also, ask for the name of an assistant or other point of contact in the law office. Finally, get any instructions from the lawyer about bringing funds to your closing. For example, if you are going to wire funds to the closing, the lawyer will have to help coordinate the wire transfer on or before the closing date.
4. Forming a professional relationship with a good real estate lawyer will benefit you down the road. You will also need a real estate lawyer to handle any refinancing that you do on your property, as well the sale of the property at a later date. If you use the same attorney time after time, you will find that you get a better deal on legal fees. Plus, you will have someone to call if you ever get a speeding ticket

A technologically advanced society has developed so many new ways of utilizing the information that pours from our brains. People seem to forget sometimes that all the information compiled in all the databases in the entire world were once the humble thoughts of someone's mind. Design ideas and changes of recent years have come about not solely by computer intervention, but by human thought processes.
Granted computers have aided in many types of design work, as is true with the designs that comprise the newest and best ideas that are emerging in the Modular Home industry. But computers lack the ability to feel like humans do. They lack the ability to match color and shape to a particular mood or element. Some would argue that these kinds of things are only a stones throw away from becoming something that computers will soon be capable of. And if that is true, I feel it will be a sad day for mankind, loosing who we are, what makes us unique, what keeps us driven, to computers. But at the moment computers can't do those kinds of things effectively. Computers can do a lot, but they will never be able to mimic the eye in relation to the heart and soul of person.
Like with many kinds of design that takes place in our modern world, modular homes have begun to incorporate the best the world has to offer not only in construction ideas and knowledge, but also in environmental control, ecological awareness, advanced electronics and computerized functionality, things that make home construction a personal affair.
More and more modular home building facilities are offering a larger and larger array of options that can be incorporated into a modular home design. Things like centralized advanced lighting controls, state of the art zone climate control, integrated protections systems that monitor the home for such things as water, fire and carbon monoxide dangers. And let's not forget to add the unwanted entry monitoring systems as well.
It is common place to have new modular home designs that make the most of systems and subsystems that will enable advanced home networking capabilities. They are also looking into the future in the designs that they produce so that those ideas still on the drawing boards can be easily retrofitted to the existing home design.
Such things as extra galley ways for conduits for housing even greater technological advances and connectivity of the future. Easy modular replacement of windows and doors for upgraded features or damage replacement, and centrally located spaces for managing many of the advanced features built into the Modular Home design as well as those to yet to come.
Sure, computer aided design has made all these things possible for incorporation into new modular home designs, but the human mind is still the portal for all great changes past present and yet to come. If a new home is in your future, check out what a Modular Home might have in store for you

What was once considered the home of the future is here today. Smart homes have become reality and not just for the eccentric and wealthy. Through the use innovative technology, home owners are able to turn their homes into state-of-the-art machines that can be manipulated and monitored from anywhere in the world.
Today’s smart homes can be monitored and controlled from any cell phone. Homeowners can send text messages from their cell phone to activate heating or turn on lights. Smart Homes equipped with cameras inside the house can send real time images directly to a cell phone.
No longer are families limited to just watching television. Smart homes integrate the latest computer technology to turn entrainment into an interactive experience. Families with ‘intelligent homes’ are able to watch movies, play video games and surf the internet all from the living room. The desktop PC and has become the media center PC, with unlimited potential and integration into the life of the family. Media Center PC can even be used for video communication through VOIP technology. New streaming internet channels are coming online that will give viewers an unlimited variety of shows and games that cater to their specific tastes. Settings can even be personalized for different family members so children are not exposed to inappropriate material on the television or the Internet.
Smart home would also be security conscious and aware of its occupants’ well being, monitoring whether someone has a fall, and control temperature and light settings, depending on what is happening outside. Intelligent security devices can distinguish between family members and intruders. Inexpensive web cameras can be turned into security cameras, and monitored from any computer over the world wide web.
There are plenty of intelligent devices available for your home. As smart homes become increasingly common place home owners will benefit from more time and more enjoyable lifestyle. Smart home technology means controlling the homes environment in a way to suit and enhance want to live the way you

Many homeowners are desiring and some insisting that their home be earth friendly, affordable to operate, and healthy to live in. In recent years the method of building homes based on Green building principles has grown incredibly.
The term Green building refers to a practice of increasing the efficiency with which buildings use energy and materials, while also reducing the impacts on the environment and human health. Quality home builders have been wise to note this trend in more environmentally conscious consumers.
The practice of Green building, also called sustainable building, can lead to benefits including reduced operating costs by increasing productivity and using less energy and water, improved public and occupant health due to improved indoor air quality, and reduced environmental impacts by, for example, lessening storm water runoff and the heat island effect.
Green design often emphasizes taking advantage of renewable resources, including the use of sunlight through passive solar, active solar and photovoltaic techniques and the use of plants and trees through green roofs, rain gardens, and for reduction of rainwater run-off. Many other techniques, such as using packed gravel for parking lots instead of concrete or asphalt to enhance replenishment of ground water, are used as well.
For existing buildings, indoor air quality is a major consideration, and will be addressed through specifications for characteristics like ventilation and moisture control, as well selection of indoor materials like paints, carpets and furnishings that minimize indoor chemical emissions. Installing insulation is the most cost-effective way to improve the comfort of the home, especially when used together with good passive design. A home without proper insulation, leads to excessive energy cost for heat and air conditioning. Insulation can also help if you have problems with damp; some types also have soundproofing qualities.
The goals Green building are designed to reduce maintenance and utility costs, improve energy efficiency and water conservation, provide safe, healthy and productive environments and promote environmental stewardship

Going green is a smart moral choice, but you have to consider the bottom line. With federal tax benefits, you can have your pie and eat it to.
The Internal Revenue Service tax code is not an easy thing to understand. The federal tax benefit though can be found in Subtitle A, Income Taxes. It is under Chapter 1, normal taxes. You must look in subchapter A, Determination of Tax Liability. Then you go to part IV, Credits against Tax, and finally to Subpart A, nonrefundable personal credits. You just have to love the IRS.
In case you do not have the tax code handy, the tax benefit is not that complex. It allows a 30 percent credit on any expenditure for a qualified photovoltaic property used on a private residence within the tax year. It also allows a 30 percent credit on any qualified fuel cell property used on a private residence. The same 30 percent credit is allowed on a solar water heater under the same conditions.
This credit does have a limit of $2000 on the photovoltaic and fuel cell credit, and $500 on the solar water heater. The code also explains how the credit is to be divided in the case of multiple occupants or change of ownership. Although the tax credit is limited and only covers a certain portion of the green construction spectrum, it is an indication of the interest of the federal government. The credits basically deal with items that reduce energy consumption or use alternate energy sources. This is a reflection of the desire to reduce the burning of fossil fuels and the continued waste of energy in the country.
The tax code is very specific about the purposes of the properties that qualify for the credit. They must relate to a building that is used as a private dwelling. The water heater must also be used to heat water for regular domestic purposes. Such luxury items as swimming pools, hot tubs, and saunas would be excluded. The use of items in the structure of the building is allowed. For examples, solar panels that constitute the roof of the structure are still covered under the credit provisions.
This tax benefit does not cover any building done after December, 31, 2007. This means this is the last year to take advantage of the tax benefit as it is currently written. In order to be extended past this date, new legislation must be passed by congress. It will be interesting to see if the tax benefit for green construction is continued. It is generally believed such benefits will not only be continued, but also expanded

As people begin to realize the impact we make on the world around us, going green is becoming a phenomenon. So, just what is green construction?
There has been an increasing concern with environmental and pollution issues in recent years. This has not come about completely without some serious justification. All indications are that we are in a serious crisis. The green construction movement is a reaction to this crisis. Green construction is a home, building, or other structure that is built, maintained, repaired, or even demolished with thought to the environmental impact. This impact may take several forms.
One of these forms is energy efficiency. The production of electricity from the burning of fossil fuels is one of the most harmful activities to the environment in existence today. Green structures incorporate renewable energy sources that might include the use of wind, solar, low impact hydropower, or biothermal energy. The source of power is not the only concern. Another concern is the reduction of power use in lighting and appliances.
Water pollution is another concern addressed in green construction. This is especially true in the case of urban runoff. Storm water runoff is a major source of pollution in rivers and lakes. Green structures take into consideration the reduction of all toxic materials. This includes mercury, asbestos, and lead. These three substances have been linked to major health problems.
Green Building also is involved in waste. Waste is a key word. Waste can be reduced. It can be reused and recycled. The reduction of waste in construction, or renovation, and even demolition involves such things as proper disposal of materials. Landscaping is also involved. Large scale landscaping projects involved with Green Building seek to protect and preserve natural resources as much as possible.
The above are just some of the factors that are part of the green construction movement. They have in common a concern for the environment. There are a wide range of issues that are nearing the real danger point. Global warming has become more than just a liberal hobby, and a recognized scientific fact. Pollution of the sea and the waterways is endemic and increasing. Asbestos and lead have poisoned and sickened thousands.
People are beginning to wake up and realize that we live on a fragile planet and we continue to abuse it at our risk. The green construction movement is a place to stop the slide, and return to sanity. It is a grassroots movement that offers hope not only to us, but also to the generations that will follow us upon this earth

. Apply With at Least 3-4 Mortgage Companies - Compare offers. Subprime mortgage borrowers are at the highest risk for excessive mortgage fees, inflated interest rates and other unethical mortgage practices.
2. Consider a Down Payment - When you apply for a new home loan, there are only a few factors that weigh heavily on your approval. Some of those factors are credit, income, debt-to-income ratio, employment history and down payment amount. If your credit is weak, you will need to really strengthen those other factors. Consider creative ways to come up with even a small down payment of around 2-5%. That might be enough to get you a better approval.
3. Consider Waiting to Apply Past the 2 Year Mark - Home mortgage lenders typically are more willing to lend to people with a past bankruptcy when they have past the 2-year mark from the date of their bankruptcy discharge. If you are close to that date anyway, consider waiting. After the 2 year mark, most lenders are willing to work with people with a bankruptcy.
4. Watch Out For the PrePayment Penalty - Most subprime mortgage lenders will tack on a prepayment penalty to the loan. If you are ok with a prepayment penalty and the loans interest rate is not too high, make sure the penalty is for a reasonable amount of time. It should be somewhere between 6 months to a year. If your penalty is for 2 years. Make sure that your interest rate is one you can live with for the entire 2 years. The penalty is usually the equivalent of 6 months of interest payments.

Real estate closings are handled differently in every state. The end result, though, is the same. The Seller and Buyer enter into a Contract; and the Seller transfers ownership of the property the Buyer at closing. It is the process that is different from state to state; and this can be confusing if you are accustomed to the process used in other states.
In North Carolina, closings are usually handled by attorneys who specialize in real estate. In many other states, closings are handled by title or escrow companies; and in those states, the title search might be farmed out to lawyers or real estate paralegals. Historically, because real estate attorneys are involved, title insurance premiums are low in NC compared to other states. When you add up the attorneys fee and the title insurance premium for a closing in North Carolina, the total is comparable and in most cases lower than in other states.
In North Carolina, the real estate attorney usually does quite a bit of work, including these things: reviews the sales contract, performs a title search that covers a 40 year time period, checks for liens and past due taxes, prepares a title report so that a title company will issue a title binder, reviews and prepares certain documents including a loan package, prepares a Settlement Statement, coordinates and conducts the actual closing, updates the title, records the Deed and Mortgage, prepares a final title report for issuance of a title insurance policy, reviews the title insurance policy and sends the original recorded Deed and other documents back to the buyer. In many other states, these different jobs are often farmed out by a title or escrow company; and many times, a lot of these different jobs have separate fees that can really add up.
Your real estate agent can give you the names of qualified closing attorneys in your area. Once you have a few names and recommendations, pick an attorney with these things in mind:
1. Hire a real estate lawyer based on his or her qualifications, experience and background – not based on the fee charged. If anything, a lower fee is an indication that your closing will be handled poorly or by a law firm that operates a real estate closing “factory”. Buying real estate is a huge investment for most of us. Don’t skimp on representation. The downside is too big of a risk.
2. Do not hire a lawyer to handle your real estate closing without speaking to him or her before you engage them to do the work. This is your opportunity to ask questions and raise any concerns that you have about the process. You might not speak to the lawyer again until closing, and that’s OK. If you have spoken to the lawyer prior to the actual closing, though, he or she will take a greater interest in you. It’s just human nature.
3. When you talk to the lawyer, ask any questions that you have about surveys, title insurance, scheduling, and what to expect in general. You are not required to attend the closing in person if you make the appropriate arrangements ahead of time. If you cannot be present for the closing, tell your lawyer during this conversation. Also, ask for the name of an assistant or other point of contact in the law office. Finally, get any instructions from the lawyer about bringing funds to your closing. For example, if you are going to wire funds to the closing, the lawyer will have to help coordinate the wire transfer on or before the closing date.
4. Forming a professional relationship with a good real estate lawyer will benefit you down the road. You will also need a real estate lawyer to handle any refinancing that you do on your property, as well the sale of the property at a later date. If you use the same attorney time after time, you will find that you get a better deal on legal fees. Plus, you will have someone to call if you ever get a speeding ticket

A technologically advanced society has developed so many new ways of utilizing the information that pours from our brains. People seem to forget sometimes that all the information compiled in all the databases in the entire world were once the humble thoughts of someone's mind. Design ideas and changes of recent years have come about not solely by computer intervention, but by human thought processes.
Granted computers have aided in many types of design work, as is true with the designs that comprise the newest and best ideas that are emerging in the Modular Home industry. But computers lack the ability to feel like humans do. They lack the ability to match color and shape to a particular mood or element. Some would argue that these kinds of things are only a stones throw away from becoming something that computers will soon be capable of. And if that is true, I feel it will be a sad day for mankind, loosing who we are, what makes us unique, what keeps us driven, to computers. But at the moment computers can't do those kinds of things effectively. Computers can do a lot, but they will never be able to mimic the eye in relation to the heart and soul of person.
Like with many kinds of design that takes place in our modern world, modular homes have begun to incorporate the best the world has to offer not only in construction ideas and knowledge, but also in environmental control, ecological awareness, advanced electronics and computerized functionality, things that make home construction a personal affair.
More and more modular home building facilities are offering a larger and larger array of options that can be incorporated into a modular home design. Things like centralized advanced lighting controls, state of the art zone climate control, integrated protections systems that monitor the home for such things as water, fire and carbon monoxide dangers. And let's not forget to add the unwanted entry monitoring systems as well.
It is common place to have new modular home designs that make the most of systems and subsystems that will enable advanced home networking capabilities. They are also looking into the future in the designs that they produce so that those ideas still on the drawing boards can be easily retrofitted to the existing home design.
Such things as extra galley ways for conduits for housing even greater technological advances and connectivity of the future. Easy modular replacement of windows and doors for upgraded features or damage replacement, and centrally located spaces for managing many of the advanced features built into the Modular Home design as well as those to yet to come.
Sure, computer aided design has made all these things possible for incorporation into new modular home designs, but the human mind is still the portal for all great changes past present and yet to come. If a new home is in your future, check out what a Modular Home might have in store for you.

What was once considered the home of the future is here today. Smart homes have become reality and not just for the eccentric and wealthy. Through the use innovative technology, home owners are able to turn their homes into state-of-the-art machines that can be manipulated and monitored from anywhere in the world.
Today’s smart homes can be monitored and controlled from any cell phone. Homeowners can send text messages from their cell phone to activate heating or turn on lights. Smart Homes equipped with cameras inside the house can send real time images directly to a cell phone.
No longer are families limited to just watching television. Smart homes integrate the latest computer technology to turn entrainment into an interactive experience. Families with ‘intelligent homes’ are able to watch movies, play video games and surf the internet all from the living room. The desktop PC and has become the media center PC, with unlimited potential and integration into the life of the family. Media Center PC can even be used for video communication through VOIP technology. New streaming internet channels are coming online that will give viewers an unlimited variety of shows and games that cater to their specific tastes. Settings can even be personalized for different family members so children are not exposed to inappropriate material on the television or the Internet.
Smart home would also be security conscious and aware of its occupants’ well being, monitoring whether someone has a fall, and control temperature and light settings, depending on what is happening outside. Intelligent security devices can distinguish between family members and intruders. Inexpensive web cameras can be turned into security cameras, and monitored from any computer over the world wide web.
There are plenty of intelligent devices available for your home. As smart homes become increasingly common place home owners will benefit from more time and more enjoyable lifestyle. Smart home technology means controlling the homes environment in a way to suit and enhance want to live the way you.

After weeks, maybe even months of searching, you’ve finally found your dream home. It’s everything you wanted and more. You’re already envisioning how your favorite chair will look in that charming little corner by the window. But before you move in, it’s important that you get better acquainted with the property you’ve fallen in love with.

While the hardwood floors are to die for and you love the bay window in the den, some of the things that may not be visible to the typical buyer’s eye need to be taken into account. Are the electrical systems up to date? Is the home properly insulated? Are there any signs of deterioration on the exterior of the home? Are there any areas of concern in the crawl space or basement such as mold or fungi? These are all questions that should be asked. However it will take a trained professional to answer them. That’s where your new best friend, the home inspector, comes in.

A home inspector is trained to diligently assess damage, deterioration and potential danger in a home. “A complete home inspection covers all of the major systems of a house, including structure, exterior, roofing, electrical, heating, cooling, insulation, plumbing and interior,” says Scott Dana, owner of Dana Home Inspections in Roswell, Georgia and an officer in the Georgia Chapter of the National Association of Home Inspectors.

Once a home inspector evaluates the home, he or she writes a comprehensive report, including photos, which explains in detail any defects or hazards that are apparent. Unfortunately not every report will be favorable and high hopes can suddenly become deflated due to bad news. But regardless, a home inspection is critical to the safety, security and sealing of the deal in any real estate transaction.

Naturally with every major transaction there are risks involved. Even home inspectors can’t guarantee every aspect of the property. “Inspectors are limited by what they can see and touch. Thus, there may be issues inside walls or in inaccessible areas that may have problems that inspectors will not be able to see,” says Scott Dana. However, as the buyer you can rest easier by doing your due-diligence and taking every measure to ensure that your dream home doesn’t turn into an unfortunate nightmare.

SAFETY

While style, location and affordability are all important factors when purchasing a home, safety comes first. There’s nothing more important than being assured that the property you purchase will be free of harm for you and your family. A home inspection will help you determine that there are no hazardous conditions. Something as simple as a defective safety reverse mechanism on a garage door or a garage door opener installed lower than the manufacturer recommended 60 inches from the ground would probably not be noticed by an eager buyer. But these oversights could be potentially dangerous for a small child in the home. Buyers also may be unaware of problems in crawl spaces or basements such as pests, infestation or hazardous substances such as mold. Inspectors will know to look in these areas and determine if there is cause for concern.

“When an inspector finds something that appears to be mold, they typically tell their clients that they have detected a "mold-like" substance and that further testing is needed by a company that specializes in mold detection and remediation,” says Scott Dana. These precautions are critical and are imperative in determining that the home you’re buying will be a safe and healthy environment for your family.

SECURITY

Because your home is one of the largest investments you will make, you want to be sure that your investment is secure. What may seem initially like a charming fixer-upper could turn into a money pit if substantial needed repairs are not discovered before the deal is closed. A home inspection will allow buyers to make more informed decisions about the soundness of their investment by determining exactly how much work and money may be required to resolve any issues. Homes that are in need of a little TLC can still be great deals as long as the repairs required are primarily cosmetic and affordable rather than structural and costly. Major issues can be a real deal breaker.

“By far the biggest deal breakers are those requiring the most money to fix, including problems with the foundation or structure of the home. Conversely, deal breakers can also be lots of little cost items that, when taken as a whole, cause the buyer to not feel good about the home. Lastly, if a house has a more-than-minor mold problem, or high levels of Radon gas detected, that might cause the deal to fall through,” Scott Dana remarks.

SEALING THE DEAL

Once your home inspection has been completed, what next? If the home inspector’s report doesn’t note any serious problems, you’re well on your way to moving into your dream home! If the report lists a number of issues and areas of concern, you still have a few options. Firstly, you can ask the seller to make repairs. A motivated seller may be eager to appease a willing buyer and work to remedy areas of concern noted in the inspection report. Secondly, you can negotiate. “[Buyers] can get estimates of repairs and place a bid on the property taking into consideration those potential costs,” says Scott Dana. Lastly, if the inspection report lists a large number if issues, you can continue your home search and find a property that will require less maintenance and attention.