Silverfish Don’t Hurt Your Health, They’re Just Unsightly and Destructive to Your Possessions

Silverfish aren’t really a threat to your health, so who cares if you have them in your home?

Let me give you a few reasons you don’t want these insects in your world.

  • The silverfish eats materials that contain high levels of starch. This includes dextrin, which you find in glue, paper, pictures, your hair, sugar, and cereals.
  • Silverfish are unsightly creatures.
  • Silverfish are fast, and hard to catch.
  • Sometimes you’ll find them in your bed.
  • They’re tough to control, and get rid of.
  • The female lays one-to-four eggs every day.
  • They live an average of two years, and sometimes as long as 3-years.
  • They’re a native of the northern continent, and found around the world.
  • They live in most any building, occupied or not, and favor kitchens and bathrooms where the environment is warm and damp.

Silverfish hide during the day, mostly inside walls or behind furniture and appliances where it’s dark. They are most active at night.

Since they eat dextrin they’ll show up in your cereal sometimes, but they don’t really threaten your health so much as your possessions. A large population can destroy your library by eating the glue that binds the books together, and when the glue is gone they’ll start on the paper itself.

These bugs normally don’t bother you, unless they move into your bedroom and crawl across you as you lie in bed at night, but they’re ugly bugs. Guests might question your housekeeping skills when they see these creatures scampering around your walls.

As the female lays so many eggs each month, the population grows fast if left untreated. The silverfish is hard to control because of the rapid growth in population, the speed of the bugs, and the fact that pesticides only kill the adults. When the nest is inside walls treating the hatching young is an even more difficult task due to the difficulty of getting the chemicals into the proper locations.

Look for pheromone traps designed to capture silverfish. These are toxic so make sure you place them out of reach to children and pets. These traps still won’t affect eggs, but by catching the live bugs you shrink the number of females that lay those eggs.

Since silverfish prefer (and require) moist areas for survival, make sure you eliminate any leaks and other sources of dampness.

The best treatment I know of is dusting the nesting area with chemical powders.

Find the area where the most silverfish activity appears. Usually this is near a wall, and the nest is most likely inside that wall. You want to spray the powder inside the wall such that it creates a cloud of dust in the wall cavity. Just dumping a pile of powder on the floor only gets the bugs that actually crawl through the pile, getting the powder on their legs as they walk through. Spreading a cloud inside the wall puts the chemical in the air, and they inhale it as they breathe.

Start with a spray every couple of days to kill any eggs a week or more old. Eggs take 2 – 3 weeks to hatch, so some of the eggs there are up to three weeks old. Widen your spray schedule out to once a week two times, then spray one month later. Your problem should disappear. If not, start your dusting process again, and continue the procedure until you see no more silverfish.

Persistence is key for controlling these bugs, as it is in many of our successes in life.

Source by Joseph Jackson

How to Make Your House Look Bigger From the Street

As an Architect, in designing new homes for clients, they first come to me with standard tastes you would see on any house in any neighborhood. What I try to do is to expand their architectural vocabulary and be bold in what they’re trying to do, without spending a lot more money. Part of that is to make their house look bigger from the street and live bigger inside. You can get a lot of “wow” factor if you try some simple things in your home design.

1. Make your house longer, not square. Most people want to make their houses more square in design, in the preconceived notion of saving costs. While this may be overall true, it also makes your house very small looking (and boring). For a 2500 square foot house instead of designing it 50 foot by 50 foot, make your house longer like 75 foot long by 33 wide. You’d be surprised how much more elegant and more expensive it looks for not that much more money. It also gives you a bonus of giving windows into almost every room in your home, giving light and visual space to them.

2. Use the Split level home concept. The split level home was more prevalent in the 1960’s than it is today, but it has a lot of advantages if you modernize it. The Split Level pulls the basement out of the ground. In most of the northern part of the country (I’m from Indiana), you need at least a 30″ or deeper footing to get below the local frost line. Well, let that be the staring point of your basement (or as I like to call it, the Lower Level). That means the Lower Level is 2 feet below grade, which means you can have full size windows. The Lower Level foundation wall is 30″ tall, the rest of the wall height can be wood instead of concrete (whether 8′ or 9′ tall) which saves costs. If you use 8′ tall lower level (to reduce costs) there is a design I like to use to eliminate bulkheads for HVAC;…incorporate the ducts in a floor truss system. I love to use 16” high floor trusses, 24″ on center, and keeping the trusses in the same orientation throughout the house. It gives plenty of space for the HVAC ducts in the floor truss system, and no bulkheads, meaning less cost since you have flat ceilings and no extra framing for those bulkheads. If you need space for the HVAC to “step over” each other, do that in the mechanical room.

3. With the split level home, The 2nd Floor (or the “Main Level” as I like to call it) it anywhere from 7 to 9 feet above grade, not only giving it a commanding view of the property all around, it also looks like a 2 story building, for a 1 story price. You can leave windows open at night because the window sills are 10 feet above grade. You have a lot of visual privacy because people on the street don’t have a direct view into the house. When you sit down they can’t see you, even if you have lots of windows. On the Main Level I love to use vaulted roof trusses on the Main Level to give more visual height in the rooms.

4. Use wide overhangs. Wide overhangs were more prevalent during the Prairie Style period This may seem strange, but wide overhangs (like 4′ wide) make you house look bigger both inside and outside. As I stated above, I love vaulted roof trusses. I start with an 8′ tall wall (rather than 9′). With a 4 foot overhang and vaulted roof trusses, the wall height on the inside is now 10′ (8′ wall, 2′ in the roof truss), with the ceiling peak at 15′. This is because the roof started “going up” further away from the exterior wall. I’m getting 10 to 15 foot ceilings for an 8 foot tall wall price. The wide overhangs also help in summer, by shielding the windows in shade, keeping direct sunlight outside.

5. Incorporate decks and screen porches into the design. Don’t make decks and screen porches an afterthought, but incorporate them into the design, that is, put brick or siding on them, put a roof over them, and make the openings look like windows, but don’t put in the glass. And consider putting them on the front of the house, not the rear. I designed a house for my parents which was 1300 square feet on the Main Level, but added the screen porch on the front of the house. The house was 72 feet long in the front (24′ screen porch, 16′ Great Room, 8′ Entry, 24′ Garage) and it looks huge. (if you want to see it, go to my Web Site (Web address down below), Home Page, near the middle of the page, “Click Here for More House Photos”, and it’s the 1st photo. The screen porch is to the left) The Screen Porch interior is finished in moisture resistant drywall, so interior feels like any other room in the house, (it also has vaulted ceilings) but it’s not heated or cooled. It is the most lived in space of the home. Having the screen porch or deck on the front of the home gives you more community with your neighbors, while it can give you more privacy. On my home, the deck has a solid wall from grade to 42″ above the deck floor. This gives visual privacy when sitting down, but when I stand up, I can converse with then neighbors (42″ is also leaning height for your elbows). As a bonus, with the split level home, the space below the deck (since it has siding and the floor 7′ above grade) and the roof above the deck, I have an 18 wide 28 foot long shed below the deck for lawn mowers, bikes, tools, which I don’t have to keep in the garage.

6. Downplay the garage. There’s nothing visually pleasing about a garage. The most important rooms of the home (Great Room, Dining Room, maybe the Screen Porch) should have the most visual presence on your home. Having a monster 24 foot by 36 foot garage sticking out the front of you house is not good looking. Set it back from the front of the home, and if you can, put toward the rear of the house. Use a side entry on the garage doors if you can. And put lots of normal windows like the rest of the house. Try to make it look like any other room from the street. By down playing the garage and making look like another room on your home, it’ll make your house seem bigger when it really isn’t. If you’re one of the homeowners who eventually turn their garage into living space, having the garage look like a normal room from the outside makes it easy for this conversions. Just remove the garage doors and install window sizes like the rest of your home.

7. Use lots of repetitive windows. By using the same window size over and over in a long pattern, it’ll make the house seem longer. And these don’t need to be operable windows. Fixed windows are less expensive the operable windows.

Source by Brian Keith Young

Leather Furniture Consumer's Guide – Abbreviated Version

Planning on buying leather furniture? Did you know there are different types of leather? Which is best for you? Read on and learn some important tips to keep in mind when shopping.

Start by thinking about the usage patterns you expect with your new leather pieces. Will the furniture be placed in an active, "high-impact" setting with children, pets, food and drinks galore? Or, is your home a quiet, "low-impact" environment?

Quality leather is a remarkably durable material that will offer many years of comfort. However, the right type of leather should be selected based upon how you expect the furniture to be enjoyed. As a leather furniture repair and restoration specialist, I repeatedly hear from my clients how their sales person, designer, etc. never told them the leather would stain, fade, tear, etc. So, avoid these problems by learning a few simple keys and asking a few simple questions. To understand the issues let me take you through a mini-primer about leather.

There are two ways of painting upholstery grade leather — with dyes only or with dyes and pigments. Leather colored strictly with a dye is referred to as unfinished, whereas pigmented leather is classified as finished. So, what's the difference?

If leather is colored only with dye then there is no protective coating. It is sometimes referred to as "pure-aniline" leather. (Aniline is a type of dye that colors leather.) This leather is soft, supple to the touch. Its color is rich and deep as dyes are translucent and they penetrate, often through the leather. The leather's natural beauty is accentuated by the dye giving the furniture a luxurious look and feel. Only the finest hides can qualify to be unfinished, so unsurprisingly, it's the most expensive category. However, there is a dark side. This class of leather stains easily (these hides are highly porous) and the color fades, in some cases very quickly. (UV's the culprit.)

Finished leather is colored with the same aniline dye as unfinished leather however these hides go through a secondary coloring process. A pigmented coating (finish) is applied that is chemically engineered specifically for leather. It has to flex and allow the leather to breath so it has unique attributes that differentiate it from common wall paint. Pigmented leather finishes are opaque, creating a colored film on top of the hide. The color coating is then augmented with a clear coat forming its primary protection. This clear coat also dictates the sheen, from gloss to matte. Quality finished leather may not feel as soft and supple as unfinished, but will be able to withstand the rigors of an active household. It will not stain almost as readily. It's easier to clean, and fades so slowly, you'll never notice it.

Your first key is placement. Simply put, active, high impact environment like a family room, media center, conference room, dining room, etc. dictates finished leather. A low impact home, with UV tinted windows and little threat of staining can indulge the beauty of unfinished leather.

The next step is to consider your budget. This is where your expectations are appropriately set. There are two primary considerations, the leather and the frame.

Top-grain leather is the most durable, but will cost more. This is the epidermis of the skin which offers vast majority of the hide's durability. Split-hide leather (leather "split" from the epidermis) will not stand up to the test of time in an active household, but as a low grade is generally more affordable. If you want a piece that will last a long time, then you must insist on top-grain leather.

The internals or guts of the furniture should be considered. Is it constructed using hard wood appropriately approved with tight, solid fits, or is it slapped together with cheap press board, staples and cardboard? (No kidding, cardboard.) Clearly, solid construction will cost more, but offer many years of trouble free service.

Color selection is something else to think about. The lighter the color, the more maintenance it will require to keep the leather looking new and clean.

Finally, is it all leather or did the manufacturer sneak in some vinyl? Vinyl and all its fancy name derivatives like leatherette, leather-mate, leather-match etc. is a synthetic, not the real deal. It will not feel or wear like leather. It's less expensive than leather, but simply does not have the durability of quality leather.

So, based on your budget, set your expectations correctly and think about how the piece will be used. Then when you shop ask the following questions.

1. Is the leather finished or unfinished? Remember to consider placement and usage patterns.

2. Is it top-grain leather? If it is not, it will not have the durability you think you're getting.

3. Is it all leather or is some of it vinyl? Do not be duped.

4. How is the frame constructed? Remember the story of the three little pigs? If it's going to last, it has to be well built.

With the answers to these questions at least you'll know what you're buying. For more information, go to this web-site

Source by Kevin Gillan

Improve Your Home’s Value by Building a Home Workshop

Many people have their workshop in an unused corner of their garage or the basement or some other out-of-the-way area. This can prove to be problematic, if the space is needed for other things or if there isn’t enough room to really spread out one’s projects or tools. Building a workshop can solve these problems and also add to your home’s value if it is planned out properly.

There are a lot of plans and instructions out on the Internet and provided by hardware supply companies and there is really no limit to the kind of structure one can build, provided that the rules and laws governing one’s property are adhered to. It’s a good idea to get a copy of your area’s zoning laws to find out if you need a permit to build the workshop you’re planning on. Also, homes governed by a home or neighborhood association may be limited as to the kind of structures they can build and owners may need permission to build at all.

The plans you choose for your workshop should allow for the inclusion of electricity. Again, there are many resources on this, so I need not enumerate the how-to’s of this. The important thing is that you ensure that the electricity running out to your shop is treated as seriously as that running inside your house – it must be grounded and up to code. When in doubt, get competent professionals to install and/or inspect it. Installations of heating/cooling appliances can further make your workshop more comfortable and valuable.

There are many alternative energy generators that are on the market right now. You have the option to augment your power with electricity generated from solar panels or wind turbines. The Internet can show you a great many alternative energy generators if you want to lessen your electricity bill and also take less power from the grid that you share with the people in your community.

Try to build to complement your home. If your home is a 1906 heritage house, try to avoid installing a fire-engine-red steel structure. Instead, go for a building that reflects your home’s outward appearance and decor. Acquire paint and trim that matches your home, so that the home and shop present a unified appearance. This helps the shop blend in better with the property. If, for some reason you can’t or won’t match your home, paint your shop a neutral color or one that complements your home’s color. Avoid an appearance that is completely different from your home’s; it produces a jarring note that could be easily avoided.

When building, make sure you allow for plenty of storage space and organization. The cleaner your workshop can be kept, the easier it will be to use for you and the better it will look to a potential buyer. Shelves, drawers and hooks are all excellent built-in additions to consider. Also, consider where you are going to put your waste, how you plan to sort recyclables from non-recyclables and allow for the space that this will need.

A home workshop can, with attention to its placement and appearance, add to your home’s value by placing a sought-after structure on the property. A home workshop is something that many people are looking for, which can make your home more attractive should you wish to sell in the future. Paying attention to what may attract or repel future buyers is worth it if you want your workshop to increase your home’s selling power on the market.

Source by Matt Barker

Effects of Termite Damage

You may be surprised at the devastating effect of termite damage on a building. When you have a swarm of termites, they can eat through whole wood beams and cause such problems with the structure of the building that could make it uninhabitable. The effect of termite damage often takes a period of several years to cause serious structural problems which is why you need to really pay attention to what’s happening inside your home when it comes to inspecting the building for termite damage and take steps to control that damage before it does become a huge problem.

The effect of termite damage will cause the integrity of the wood to become compromised. That means when the termites begin feasting on the wood of your home, they can weaken the wood, cause drywall to crumble, eat away window sills and door frames, and so much more. Even though these small little insects are less than a centimeter in length, the effect of termite damage on a structure can be huge and very expensive.

As a property owner, you should know what to look for when doing an inspection of your property to see if you have a termite problem. If you don’t take steps right away to inspect for a possible termite infestation, the effect of termite damage on your structure could get out of control before you even know it. Start by looking around the outside of your home near the foundation where the soil meets the base of the home. Termites can enter a home through the smallest opening, so pay special attention to any cracks in the foundation and fill those cracks with an appropriate filling agent to keep the termites from getting in.

Another effect of termite damage can be the presence of termites in places where you cannot readily see as in the crawl space or in the walls of a home. This invisible damage can be difficult for the everyday person to see which is why it is a good idea to have a professional termite inspection done on your building for peace of mind. Plus, a licensed professional can point out the obvious effect of termite damage and make suggestions as to how you can take steps to correct the problem.

You may also want to look at pictures that show the effect of termite damage on a building. We’re willing to bet that once you see how termites can wreak havoc on a structure, you’ll want to take care of the problem immediately. The effect of termite damage can be stopped, but only if you take steps to do so as soon as possible. Check it out and then take action!

Source by Errol Howard

Home Toxicity – Pros and Cons of Using Vinegar As a Natural Cleaner

One of the many comments I get whenever I do a “Green Clean” show is that people are very happy using Vinegar and Salt or Lemon. Yes, these things are almost natural to a certain extent, as they do not pollute the environment. Provided that they are in their natural form.

But is Vinegar safe? Perhaps it might be safe for us, but we have to remember one thing about Vinegar: It is an acid. When combined with baking soda (a base), it makes for a great cleaner on pots that have caked-on burned nastiness. The only problem with Vinegar is that it is not necessarily a good thing for all plant life. Also, Baking Soda mixed with Vinegar will produce a gas (which can be harmless to a certain degree.)

Almost every living thing has a certain acid-base balance. We can refer to this as pH levels. If you take something that is of a higher pH level, it most likely will break up some proteins and more. The only problem is that it makes its way back to the earth as an acid.

Another thing to consider is that when you put vinegar on your skin, you’re already introduce a change in your skin’s acid chemistry. Should this get into your bloodstream, it can do some wonders for purifying, but it can also work against you in the digestive tract. People experience things like heartburn or other uncomfortable scenarios with a different acid mix.

So vinegar, although it is great as a household cleaner, still can be an inconvenience for health reasons. For one thing, Vinegar has an ugly smell and it’s advisable that you don’t take a huge whiff of it!

Secondly, the pH balance. Our skin and blood is not the same pH balance as of vinegar. In the long run, Vinegar may end up becoming a carcinogen if mixed with the wrong chemical elements.

There is an alternative, which is called Basic H2 in a series of cleaning products called GET CLEAN. The beautiful thing about this is that it is pH balanced for the human body and unlike Vinegar, is Organic, has living vegetable enzymes to do the hard work and is Non-Toxic. And unlike Vinegar, it biodegrades quickly and will not harm a water’s ecosystem. In fact, it helps it by becoming plant food.

Vinegar, on the other hand, is an acid and will mix with other things that may not be good for the body and for plant life.

Vinegar and Salt can have their place for sure, but please do keep this in mind: It is still in its natural state an acid.

Source by Rodney Ronquillo

Employee Value Proposition (EVP) Explained

Employee Value Proposition (EVP) is the commonly used jargon to describe the characteristics and appeal of working for an organisation.

An EVP describes the mix of characteristics, benefits, and ways of working in an organisation. It is the deal struck between an organisation and employee in return for their contribution and performance. This “deal” characterises an employer and differentiates it from its competition.

Most organisations encounter two main problems when it comes to their EVP:

oThey struggle to differentiate themselves from their competition. Differentiation is crucial if an organisation is to stand out from the “sea of sameness” that characterises some sectors.

oTheir branding is appealing but it does not accurately reflect the reality.

An effective EVP enables an organisation to stand out as different but also it ensures that the ‘packaging’ reflects the ‘contents. All too often people join organisations tempted by the ‘branding’ and are disappointed when they experience the reality.

You know when you’ve got it right – you become a magnet for talent, and have engaged and motivated employees.

Why is an EVP important?

An effective EVP can bring an organisation significant benefits. According to the Corporate Leadership Council’s research a well thought through and executed EVP can:

oImprove the commitment of new hires by up to 29%

oReduce new hire compensation premiums by up to 50%

oIncrease the likelihood of employees acting as advocates from an average of 24% to 47%

In addition an effective EVP allows organisations to source more deeply within the labour market, increasing its access to passive candidates. This is important for organisations who want to secure the best talent in an increasingly difficult talent market. Demographic predictions show that there will be a stark contrast in population growth in certain areas of the world. Many countries will show a decline in population making it harder to source talent, whereas in countries such as India there will be large increases making it more difficult to attract the right talent from a potentially large pool. This will cause challenges for organisations in the future and builds an even stronger case for the importance of having an effective EVP.

What can an EVP do for you?

Here are the specific benefits of an EVP:

1.Helps you to attract and retain talent

A clear and differentiated EVP ensures that you attract and retain people that you would inevitably lose to other organisations with more attractive EVPs.

2.Helps you to appeal to different markets and tough to hire talent groups.

For organisations operating in a number of countries the EVP will need to move beyond a one size fits all. A good EVP contains elements that appeal to different groups of employees from different cultures, age groups and functions. The most successful EVPs are derived from combining needs of key segments of the workforce to form a universal brand which is then communicated through the best channel for each segment.

3.Helps you to re-engage a disenchanted workforce

The process of creating an EVP involves surveying and talking to existing employees. This is a very powerful engagement tool in itself and people usually enjoy and appreciate it. In our experience the process can also help to re-build/enhance trust and increase motivation.

4.Helps you to prioritise your HR agenda

The process of eliciting your EVP will help you to understand what your HR priorities should be. To create an EVP you need to understand what is important to your employees and potential hires. Having this insight will mean that you understand what specifically you need to do to attract, engage and retain people that you want, where improvements need to be made and what will most likely make people leave if they are not addressed.

5.Creates a strong ‘people’ brand

Organisations with strong and credible EVPs become as famous for the way they treat people and the quality of their people as they are for their products and services. A great example of this is Apple. Apple do not have to enter into a war for talent. They have great people queuing up to join them.

6.Reduce new hire premiums

When candidates view an organisation’s EVP as attractive, they demand a smaller compensation premium when accepting an offer. According to the Corporate Leadership Council EVPs that are viewed as unattractive require a 21% premium to hire employees, while attractive EVPs require only an 11% premium.

What makes a good EVP?

To ensure an EVP generates maximum returns it must be built around attributes that genuinely attract, engage and retain the talent you want. It must also be consistent with strategic objectives and clearly demonstrate its uniqueness. The EVP must also be real i.e. a large proportion of it must be true now. It should however also contain elements that are not true now but that the organisation aspires to. This is important to drive change and progress and also to give employees a sense that the organisation is responding to the changes they want to see.

As well as the ‘content’ of the EVP, it must also be articulated in a style that appeals to the audience. So many companies write about themselves in dull corporate speak and the net result is a lot of organisations that claim to be unique but sound the same.

Finally, the EVP is at the core of all other organisational processes. The characteristics of the EVP need to be reflected in the corporate and employer brands. The EVP, if operationalised well is the driver of engagement, it informs recruitment messages, communications and development and it helps inform strategic HR priorities. It helps support and drive business strategy forward.

How do you create an EVP?

There are a number of ways to understand what your employees feel constitutes a great place to work. A good starting point is to tap into information you already have including employee opinion survey data. This will tell you what employees think is working and what isn’t. Typically though such surveys don’t tell you what is important to your people. It is obviously crucial to understand this in order to create an attractive EVP. The process of developing an EVP elicits what is important to the different types of people that you want to attract and engage.

To be successful the EVP must be credible which is why it EVP must always be tested. The purpose of testing is to ensure that all categories of employees and potential employee find it appealing. The testing also tells you which elements of the EVP need to be ‘turned up’ or ‘turned down’ to appeal to different groups. Testing should take place with internal employees and external potential employees.

The testing will reveal changes that need to be made to the EVP to appeal to the different audiences that it was tested with. Assuming that valid and rigorous data is used to create the EVP you should expect it to work for 90% of the target population. It should always be tested though as the 10% it needs to be adjusted for could be a crucial part of your workforce.

Case study

We have recently developed an EVP for a global pharmaceutical company. Their goals were to:

-Differentiate themselves against other large pharmaceuticals

-Use the EVP to help make the new corporate brand a reality

-Identify priority areas for change in order to maintain and improve engagement of key talent

As well as the EVP itself there have been a number of other key outputs. An online user guide for HR and managers provides guidance on managing and engaging different key groups. A recruiters’ guide to employer branding indicates message content and style that appeals to different segments. In addition, the company is using the data to inform HR strategic priorities.

This is a great example of a company that now has a clear and differentiated EVP and is making it work hard in a very practical and tangible way.

Source by Sally Bibb

What Is Community Facilities District Act?

On September 30, 1988, the Arizona Community Facilities District Act (the “Act”) became effective. The Act, which was passed by the state legislature, was created to allow Arizona municipalities to create special taxing districts for the purpose of financing the installation, operation and/or maintenance of public improvements. The Act, which was styled after similar legislation in California and Florida, addressed a critical issue for developers and home builders; that being the financing of increasingly costly public infrastructure without unduly burdening the end users of property.

Under the Act, the following types of public improvements may be acquired and/or constructed with Community Facilities Districts (“CFD” and/or “District”) bond proceeds:

– Water and sewer projects

– Police and fire facilities

– Public buildings

– Flood control and drainage projects

– Roadways

– Public parking structures

– Landscaping and lakes

– Lighting and traffic control

– Parks and recreational facilities

– Schools

– Pedestrian Malls

– Enhanced public services (in redevelopment areas)

The Act allows for the issuance of general obligation bonds, special assessment bonds and revenue bonds or any combination thereof. The security for the repayment of the bonds is as follows:

General Obligation Bonds – The security of the general obligation bonds is the tax revenue generated by an increase in the ad valorem property taxes of property contained within the CFD. A general obligation bond payment is passed through to the end users of property through an increase in the secondary tax rate via the county property tax bill.

Special Assessment Bonds – Security for the special assessment bond is a special assessment lien placed upon the property determined to be benefiting from the public improvements funded by the CFD. Special assessment liens are repaid through a separate special assessment billing issued by the District.

Revenue Bonds – The security for revenue bonds is the revenue stream generated from the public improvement financed by the CFD. Revenue bonds are repaid by the users of the facility through usage fees. For example, a CFD may construct a public parking garage and a portion of the revenues generated by the parking garage are utilized to repay the bonds which were issued to construct the parking structure.

Bonds issued by a CFD have a term of 25 years and carry a tax exempt interest rate which is usually much lower than what developers can achieve in local financial markets.

Formation of CFDs have a beneficial impact on property owners within the boundaries of the District in that CFD bond proceeds are made available to allow for the construction of public improvements and related infrastructure at a much faster rate than that which would have otherwise been possible and in some cases, provides public amenities that otherwise may not have been possible. Property owners in the District also benefit from having higher quality improvements that are maintained at a higher standard than would otherwise be the case. Because end users participate in the repayment of the bonds via an increase in the ad valorem property tax and/or a special assessment lien payment, a portion of such payments are deductible for federal and state income tax purposes (NOTE: Please consult with your tax advisor on this issue).

For persons involved in the sale of real estate, the existence of the CFD must be disclosed to potential end users of the property. At present, developers and home builders provide CFD disclosure statements to perspective buyers of property contained within a CFD. The disclosure statement explains the structure of the CFD, the improvements to be financed by the CFD, and the estimated financial impact of the additional tax and/or assessment on end users of the property. Additional disclosure documents are also signed by the buyer of property during the closing process to ensure that the buyer is aware of the fact that the property which they are purchasing is located within a CFD.

At present, there are approximately 35+ CFDs in the state of Arizona with an additional 40+ CFDs encompassing 150,000+ acres, in the process of being formed from Bullhead City to Sierra Vista. Some of the larger real estate developments employing CFDs include: DC Ranch, McDowell Mountain Ranch, Vistancia, Verrado, and Estrella Mountain Ranch. As the cost of providing public improvements escalate, the use of CFDs will continue to increase as a means of providing, maintaining and operating public infrastructure, public open spaces and public recreational amenities.

Source by John Foreman

What’s Up With the "We Buy Houses" Signs?

There are many companies in Phoenix, AZ that offer the services of “We buy houses”. In fact, one would easily notice the large amounts of street signs that state We Buy Houses in Phoenix throughout major roads. These companies have become very popular these days due to the tough real estate market. With over 50,000 homes currently for sale on the MLS, selling your home fast is a very difficult task. Because of the long wait, many homeowners are starting to see the value of using a company the pledges We Buy Houses in Phoenix.

Businesses that state We Buy Houses in Phoenix have some definite advantages. We Buy Houses companies will typically pay with cash, close fast and many don’t charge any commissions or fees. Although these companies do not pay market value for your home, they will buy your home in as is condition. Many homeowners these days simply don’t have the money to repair or fix up their homes before selling.

The company that advertises We Buy Homes in Phoenix can actually save homeowners money. Frustrated homeowners often give up and abandon their homes. An abandoned home can be an invitation for neighborhood kids and transients to enter. Vandalism, graffiti, and theft can be present with an abandoned home. Furthermore, the stress on a homeowner who has a vacant home can be enormous.

Many people see the value in calling a We Buy Houses company in Phoenix. We Buy Homes in Phoenix companies can close on the home quickly. They usually don’t charge any fees and will buy the home in as is condition. Selling a damaged home in a tough market can be huge relief of stress for a homeowner.

There are many We Buy Houses companies in Phoenix, AZ. With that in mind, homeowners who are looking for a We Buy Homes company to buy their house must make sure the business is legitimate. One way to verify the track record of a We Buy Houses company in Phoenix is to call the Better Business Bureau. Make sure to check and see how long the company has been in business, and how many complaints the company has received. Many companies that advertise We Buy Homes in Phoenix are highly reputable and honest businesses. But with that in mind, always do your homework before signing any documents.

Source by Reed Lattin

6 Advantages Of Hiring End Of Lease Clean Services

Is your lease coming to an end? Worried, what your landlords are going to think about your cleaning routine? Cleaning your house after moving out is taking a toll on you? No problem.

The end of lease clean services can be a great escape. You do have little idea about hiring those services but are not sure, whether to have them in your personal space or not.

Here are 6 benefits of hiring these services; you need to know before you start.

Thorough cleaning is expected

These services have qualified and sound professionals, who have expertise in cleaning house from deep roots. They have know-how to clean tough stains. Their team of professionals will work in every room of house to make it same as before.

It won’t cost you much

You often, think that hiring professionals is a costly act. But, that is not the truth. Economically speaking, theses agencies don’t charge much as compared to those conventional methods clubbed with the number of cleaning supplies and tools. These services are affordable.

Rejuvenate, your free time

Tired after a long day? Have no time for yourself? Have an un-accomplished task of cleansing and beautifying your home? Delegate your authority to these services to enjoy your free time without any hassle.

No more shopping

Purchasing for one self is never a boring job. But for the house, shopping all sort of products and equipment seems to be daunting. These services have supplies for dusting and scrubbing of latest technology. Not only they will turn your house into new but will also disinfect the whole area with their extensive and professional techniques, to make your living worth and healthy.

Flexible schedule is guaranteed

You must be thinking, coping with these services in terms of timings and date can clash, definitely not. You can prepare a schedule according to your suitability with them; their services will make sure they are adhering to the planned timetable. Even, if you are not in your premises, they will visit your home and will make sure every scheduled activity is done on time.

Not satisfied? Free re-cleans

For every business, customer satisfaction is utmost important. Some services have a special retreat for their clients. If the clients are not satisfied or the activity performed is not according to their terms. These services can provide free re end of lease cleans.

These are a few benefits of hiring end of lease cleaning services near you for hassle free and effective transformation of your house before moving out.

Source by Karanveer Rawat