Kamloops Home Inspections: Ladder Safety & Getting Your Garden Ready For The Fall

Todd Hrycenko Home InspectorLadder Safety

As a home inspector in Kamloops I spend a lot of time using a variety of ladders to do my job.  Ladders are dangerous pieces of equipment, if not handled correctly or you are unfamiliar with them. Homeowners in Kamloops should think about a few things before you climb the ladder to perform fall maintenance tasks, and take these safety precautions.

• There should only be one person on the ladder at one time.

• Never leave a raised ladder unattended.

• Be sure all locks on extension ladders are properly engaged.

• All metal ladders should have slip-resistant feet.

• The ground under the ladder should be level and firm.

• Don’t carry objects in yours hands while on a ladder.

• Keep your body centered between the rails of the ladder at all times.

* Inspect your ladder every time before you use it for broken or excessively warn out parts.  As someone who has taken the fast ride to the ground from roof height, believe me you don’t want to realize your ladder has a defect too late.

Maintenance Matters

Fall is the time of year to prepare your garden for the fall months ahead. I know with the temperatures still hovering around 30 degrees in Kamloops nobody wants to think about winter or even fall, but your plants and garden already are.  Here are some tips to help you with your fall garden prep.

• Bring tropical and other plants inside for the fall.

• Dig and store summer and fall-flowering bulbs.

• Avoid heavy pruning of trees and shrubs going into the fall months.

• Apply a layer of mulch about 2 to 4 inches deep to the floor of the garden.

• Apply mulch or a wrap around the base of bushes and trees to protect them from the cold temperatures.

• Rake up any leaves that may have already fallen.

• Turn off the water supply to your hose tap and irrigation systems.

• Fallize garden furniture if necessary.

• Fertilize to give your garden one last nutrition boost before fall.

• Empty out and bring in any pots that could break in cold temperatures.

• Plant spring-flowering bulbs with their roots down.

Todd Hrycenko, Global Property Inspections
Phone: 250-371-2787 [email protected]

Kamloops Mortgage Info: There Is More Than Just a Low Interest Rate

Brenda Colman - Invis Kamloops Mortgage BrokerWhile some mortgage rates have been increasing in recently, overall, interest rates are the lowest we’ve seen in a generation.  Kamloops homeowners and first-time buyers getting a mortgage in the months ahead will likely enjoy a rate that will keep their borrowing costs low for the next few years.  Indeed, borrowers who have renewed or refinanced a mortgage in the past year now pay interest rates that are nearly one point lower than their previous rate, according to an April report by the Canadian Association of Accredited Mortgage Professionals (CAAMP).

While securing an attractive interest rate may be the top priority for most borrowers, some low-rate mortgages available today offer limited flexibility. For example, “no frills” mortgages offer favourable rates, but may limit your ability to pay off your mortgage sooner. In addition, “quick close” financing deals offer attractive rate discounts, but many require a closing date within 30 days. This may not provide enough flexibility for sellers or buyers.

When it comes to choosing a mortgage, getting a good rate is just the tip of the iceberg. To ensure smooth sailing, you have to be aware of all the other features that may lie below the surface.

The features of a mortgage should fit a homebuyer’s personal goals, both now and down the road.  Borrowers need to understand what they’re signing up for – a mortgage is the largest debt most consumers will ever take on.

Below are five tips prospective mortgage holders may consider when choosing a mortgage:

1. Consider an assumable mortgage

A few years from now when you decide to sell your home, your low-rate mortgage could provide an extra selling point. If your mortgage is assumable, meaning it can be transferred to another borrower, it allows the purchaser to take on your mortgage’s terms and payments as part of the sale. This can be an attractive incentive, particularly in a higher rate environment.

2.  Review refinancing penalties

Given the low rates available today, many homeowners are weighing the benefits of refinancing. When choosing a mortgage, keep in mind that penalties are often the equivalent of three months’ mortgage payments, or based on an interest rate differential, which is the difference between your current rate and the new rate.  If you consider refinancing, a mortgage broker can help you decide whether the long-term savings outweigh the up-front penalties.

3. Evaluate pre-payment options

Many borrowers are taking advantage of low interest rates by accelerating payments on their mortgages. For example, many lenders allow you to double up payments periodically, or make lump-sum payments of up to 20 per cent of the principal once a year. When negotiating your mortgage, make sure you understand the size and frequency of payments your lender allows.

4. Review skip-a-payment options

Some lenders offer an option to skip a payment without penalty, which may come in handy in today’s economy.

5. Consider portability

Many mortgages have a portability feature that allows you to transfer your existing mortgage over to a new property, but not all portability terms are the same. Some lenders allow as long as 120 days to transfer the mortgage, but others only allow for a few days or a week.

Choosing the right mortgage involves considering where you are now, and where you may be three to five years from now.  Working with a mortgage professional can help you make sense of the many options available to you.

Brenda Colman, Mortgage Consultant, Invis Kamloops
P. 250-318-8118  E. [email protected] W. www.BrendaColman.ca

Kamloops and District Real Estate Associations Statistics For July 2010

The Kamloops and District Real Estate Association has released it’s latest statistics for July 2010. Residential sales are down quite a bit in comparison to the sales numbers for July 2009. Click on the images to enlarge.

Comparative analysis by property type July 2010 Kamloops Real Estate Statistics

Kamloops Real Estate Comparative analysis by property type July 2010

MLS Activity July 2010 Kamloops Real Estate Statistics

Kamloops Real Estate MLS Activity July 2010

Sales by subarea july 2010 Kamloops Real Estate Statistics

Kamloops Real Estate Sales by Subarea July 2010

Kamloops Home Inspections: Pool Safety and Air Conditioner Maintenance

Todd Hrycenko Home InspectorPool Safety

Pools are a very popular feature for homes in Kamloops due to our warm weather.  Mid summer is the most popular season for swimming pools in Kamloops. Routine maintenance is important for any swimming pool equipment. Here are some must know/must do items regarding swimming pools.
•  Hire a service contractor to routinely check equipment.
•  Establish a maintenance routine based on your pool equipment.
•  Maintain chemical balance, treatment and water chemistry.
•  Keep records on maintenance and water chemistry.
•  Routinely check for leaks at piping and other systems.
•  Regularly change or clean filters and screens.
•  Never allow children to use the pool without adult supervision.
•  Install an electronic or automated safety monitoring system to detect water movement when the pool is not in use.
•  Secure the pool with a proper enclosure such as a 5′ or higher locking fence when not in use.

Keeping Cool with Air Conditioning

Homes in Kamloops often have air conditioners because of our sometimes blisteringly hot summers but very few people know what what to look for if the air conditioner doesn’t seem to be keeping your home cool.  If your home’s inside temperature is feeling more like the warm outside temperature, it could be a problem with the air conditioning system. What should you do to inspect it if the air conditioning is not working in your home?
•  Check the thermostat. Is it set to “cooling” or “AC?” Is it set lower than the room temperature? If it’s a digital thermostat, is the battery dead?
•  Check the on/off switch on the side of the furnace or near the furnace. The furnace fan distributes air for the air conditioner and must be on.
•  Check if the disconnect switch outside at the AC unit is switched off, disconnect pulled or the fuse blown.
•  Check if the main breaker fuse for the air conditioner is off. Reset the breaker or replace the fuse.
•  Check for a broken belt or clogged air filter on the furnace.  This is a VERY common cause of AC not cooling the entire house properly.
•  Check if the coil above the furnace iced up.
•  Check if the exterior coil is dirty or blocked by plants.  Fallen leaves and cut grass in the air conditioner can greatly reduce your A/Cs effectiveness, efficiency, and life span.
•  It is always important to call a qualified service technician when you have questions or concerns and don’t feel comfortable performing the above checks yourself.
Remember to NEVER put your hands or any other part of your body anywhere where you could be injured.  Guards and covers are there for a reason, don’t remove them to look unless you have disconnected all the power to the system in question.  When in doubt, call a professional.

Todd Hrycenko, Global Property Inspections
Phone: 250-371-2787 [email protected]
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