Sustainable Home Updating and Remodeling

Sustainable building is a now a commonly used term.  But what does it mean and how does the average homeowner with a limited budget really make sustainability a priority?

Sustainable building is building that is environmentally responsible and resource efficient.  While popularly associated with new home and commercial building designations, such as LEED certifications, these simple concepts can be incorporated into the smallest home updates when you understand the components that make a building material more and less environmentally responsible and recourse efficient.

A research report by the Rhodium Group showed that 40% of all energy consumed in the United States is utilized to operate our buildings.  That equates to $432 billion being spent to power homes, stores and offices or the same amount spent on health insurance!  Making our homes more energy efficient is an important place to start, but it takes tremendous energy to make certain building products, so simply replacing components on our home to ‘waste’ less energy isn’t the most affordable to the homeowner or most environmentally responsible.

Factors that should be considered when selecting a material for your next home update, whether it be a new wall to wall carpet or replacement window, are the following:

  • They promote good indoor air quality (typically through reduced emissions of VOCs and/or formaldehyde)
  • They are durable, and have low maintenance requirements
  • They incorporate recycled content (post-consumer and/or post-industrial)
  • They do not contain CFCs, HCFCs or other ozone depleting substances
  • They do not contain highly toxic compounds, and their production does not result in highly toxic by-products
  • They are obtained from local resources and manufacturers
  • For wood or bio-based products, they employ “Sustainable Harvesting” practices
  • They can be easily reused (either whole or through disassembly)
  • They have been salvaged from existing or demolished buildings for reuse
  • They are made using natural and/or renewable resources
  • They have low “embodied energy” (the energy required to produce and transport materials)
  • They can be readily recycled (preferably in a closed-loop recycling system)
  • They are biodegradable

 

Since this can be a lot to research it is helpful to utilize some third party organizations which certify various products used in home construction.  See below for a table of certifications, their type and the area of focus for certification.

PRODUCT CERTIFICATION
SINGLE- OR MULTI-ATTRIBUTE
TYPE OF STANDARD OR CERTIFICATION
MANAGING ORGANIZATION
ISSUE OF FOCUS
Single-Attribute
Government certification relying on manufacturer-provided data or third-party testing
U.S. EPA and U.S. DOE
Energy consuming products
Single-Attribute
Government label based on third-party testing
U.S. EPA
Showerheads, toilets, faucets, urinals, and valves
Single-Attribute
Third-party certification
Forest Stewardship Council (FSC)
Forests and forestry products
Multi-Attribute
Third-party certification
SCS Global Services
Wide range of products ( i.e. carpets, textiles, wood products, insulation, and more)
Multi-Attribute
Third-party ISO Type 1 certification
Green Seal
Wide range of sectors (paints, adhesives, lamps, electric chillers, windows, window films, occupancy sensors)
Multi-Attribute
Third-party certification, Cradle to Cradle CertifiedCM Product Standard is managed and updated by the Institute’s Certification Standards Board
Cradle to Cradle Products Innovation Institute C2CPII
Building materials, interior design products, textiles and fabrics, paper and packaging, and personal and homecare products
Multi-attribute
Third party certification
UL Environment
Indoor air quality, children and schools focus
Multi-attribute
Third-party ISO Type 1 environmental labeling and declaration requirements (ISO 14024)
TCNA
Tiles and tile installations

 

This can serve as a good primer for those relatively unfamiliar with sustainable remodeling practices and a decent resource for those knowledgeable and actively preparing to make home updates.  Next I’ll take a look at various building materials themselves and we’ll investigate what their made from, what it ‘costs’ to make that and what it costs to put them to work in your home.

 

Sincerely,

Sean


Posted on July 25, 2019 at 2:37 am
Sean Coster | Posted in Home Improvements, Home Maintenance, Home Remodel, Sean Coster, Sustainable building |

Polybutylene Plumbing

Polybutylene is a form of plastic resin that was used extensively in the manufacture of water supply piping from 1978 until 1995. Due to the low cost of the material and ease of installation, polybutylene piping systems were viewed as "the pipe of the future" and were used as a substitute for traditional copper piping. It is most commonly found in the "Sun Belt" where residential construction was heavy through the 1980's and early-to-mid 90's, but it is also very common in the Mid Atlantic and Northwest Pacific states.  Read more

The International Association of Home Inspectors recommends replacing Polybutylene piping:  

Polybutylene Pipes Should Be Replaced
 
Although no regulations require the replacement of polybutylene piping with other material, many plumbers recommend doing this, at a cost several thousand dollars. Leaking can happen without warning and can result in flooding and serious damage to a home’s interior if it is not immediately stopped. PB pipes installed behind sheetrock can leak unnoticed for long periods of time and cause mold and water damage. InterNACHI believes it is far cheaper to replace polybutylene pipes before they fail and release their contents onto floors, appliances and furniture. They can also reduce a home’s value or prolong its time on the market. Homeowners might face higher insurance premiums or be denied coverage entirely.  For homeowners who are concerned about this problem and wish to replace the PB piping in their home with copper or other material, there are companies that specialize in this type of work.

Myths about Polybutylene piping

Class Action Lawsuit

 

 

 

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Posted on April 17, 2015 at 11:20 pm
Sean Coster | Posted in Sean Coster | Tagged ,

John Yeon Spec House

 

North Portland residents may recognize this residence and find it suprising to be on the National Registry of Historic Places.  Designed by John Yeon in 1939 and situated just yards away from his childhood residence in University Park, this home illustrated some of the desgin elements that would later be termed Northwest Regional Style of architecture.  

Read More

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Posted on April 14, 2015 at 6:20 pm
Sean Coster | Posted in Sean Coster | Tagged ,

Be Part of the Demolition Task Force in Portland

Demolition Task Force Recommendations Go-live April 20, 2015 

On February 12, 2015, the Portland City Council adopted Demolition Task Force recommendations in response to community requests for increased notification to abutting residences prior to commencement of residential demolitions and large remodel projects. These changes to Portland City Code Title 24, Building Regulations, that are effective April 20, 2015, will expand notification and delay requirements for residential demolition permits and create a new Major Residential Alteration and Addition (MRAA) permit type with notification and delay requirements. In addition, applicants will be required to submit a Certification Regarding Asbestos and Lead-Based Paint form for these types of projects prior to permit issuance.

Effective Monday, April 20, 2015: All Residential Demolition Permits will require:

  • Mandatory 35-day delay prior to permit issuance, with a possible 60-day extension through an appeal process. 
  • The City will mail a notice to all properties within 150 feet of the project site and to recognized organizations, Architectural Heritage Center and Restore Oregon at the beginning of the 35-day delay period.
  • Door hangers will be posted by property owner or representative on abutting homes at least 5 days prior to demolition.
  • New Certification Regarding Asbestos and Lead-Based Paint Form will be completed by the applicant and submitted to BDS prior to permit issuance. 
  • READ MORE

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Posted on April 13, 2015 at 11:25 pm
Sean Coster | Posted in Sean Coster | Tagged ,

Appealing Property Taxes with Multnomah Co

Appealing your property taxes with Multnomah County is done through the Board of Property Tax Appeals.  The petition must be postmarked by 12/31.  Appeals will only be considered for the current tax year.  Hearings may be scheduled through the first Monday in February through April 15th.  Hearings are typically 10 minutes.
 
A written board order will be mailed to the property owners representative 8 to 10 business days after the hearing.
There is a $30.00 filing fee per account.
 
You can appeal the Real Market Value, Assessed Value or Specially Assessed Value of your property.
Multnomah County provides useful definitions relevant to an appeal on their site.   
 

Generally, to be successful in your appeal, you must provide evidence of the market value of your property on January 1 of the assessment year. This is the day the assessor uses to establish the real market value of your property.

Listed below are the types of evidence you could use to convince the board that your property's real market value should be reduced.

  • Documentation of an arm's-length sale of the property that occurred close to January 1 of the assessment year.
  • A fee appraisal dated close to January 1 of the assessment year which reflects the property's value.
  • Proof that the property has been listed for sale on the open market for a reasonable period of time at a price below the real market value on the tax roll.
  • A comparison of properties similar to yours in location, size and quality that have sold close to January 1 of the assessment year. If there are differences between properties, the differences must be accounted for in the comparison of values.
  • Cost of new construction that occurred close to January 1 of the assessment year and was performed by a professional contractor.
  • Cost to repair your property. You must provide written estimates of the cost of the repairs.
  • For commercial property, documentation of income and expense information or a comparable sales analysis.
 
 
Practically determining if you have a case
  1. Check Real Market Value (RMW) provided by the county 
    1. Could this be too high?
      1. Yes –
        1. Pull comparable properties to show the accurate real market value was lower.  These can be up to one year previous (ie.  January 1st of 2013 for a 2014 challenge). 
        2. And/OR – Proof of sale of the property ‘close’ to January 1st of the tax year.  This has been interpreted as within 12 months in previous cases.
        3. Is there any new construction that would increase the value of the property?  Provide documentation that with these new construction items it is still being taxed at too high a RMV.
        4. OR – Pay an appraiser to provide an appraisal of your property within the tax year.
      2. Comparable properties need to be in the same ‘class’.  This is found in Portland Maps under Property>Assessor>(heading) Improvement Details.
      3. If these comparable properties show a lower real market value and are in the same class you may have a case if their are no additional improvements that have taken place within the year that will increase your RMV.
  2. Is the Education portion of the taxes greater than 0.5% of RMV? If so document to what excess.
  3. Are the General Government taxes greater than 1.0% of RMV?  If so document to what excess.
 
Forms for use in appealing your property taxes
 
 
 Please consult the Multnomah County site for further details on appealing your taxes.  

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Posted on November 17, 2014 at 9:45 pm
Sean Coster | Posted in Sean Coster | Tagged

Oil Tank Decommisioning

Putting an offer on a home with an underground heating oil tank can be a uncomfortable process when you begin to look into the liability a homeowner has with an underground oil tank.  While the 'lifespan' of a heating oil tank is estimated at only 25 years, most of those in operation are much older than this.  Therefore proper testing and possibly mitigation may be needed before an owner would want to take on the liability of an underground oil tank. 

Clearn up and official decommissioning of these tanks is overseen by Oregon DEQ.  They provide homeowners and contractors with guidance on the cleanup of an old oil tank and the decommisioning process. 

The video below will give you an idea of the process of removing and cleaning a tank. 

 

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Posted on November 7, 2014 at 12:36 am
Sean Coster | Posted in Sean Coster |

How To Build a Rain Garden

A rain garden is a shallow depression that collects rainwater and is often planted with native plants.
They can blend with your existing landscape, and design can be formal or informal. A rain garden is
a great place to direct the water from disconnected downspouts or paved areas, or to capture the over-
flow from a rainwater harvesting system.

 

The video below gives you detailed instructions on how to build a rain garden on your property.

For more information see the PDF on Rain Gardens.

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Posted on November 6, 2014 at 1:31 am
Sean Coster | Posted in Home Improvements, Landscaping | Tagged , , ,

Monthly Market Review – September 2014

Monthly Market Review Sept 2014

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Posted on September 9, 2014 at 1:40 am
Sean Coster | Posted in Sean Coster |

Closing Costs and Prepaid Expenses

At the time of closing, buyers will need to sign at escrow and complete the transaction of their home purchase.  At this time the remainder of the funding for the purchase of the home occurs with the contribution of the remainder of the down payment and (if used) a home loan.  In addition there are various 'closing costs' and 'pre-paid expenses' that are due.  Below outlines common costs associated with closing on a home purchase. 

Credit report. Lenders will pull a “tri-merge” report from all three credit bureaus.
Appraisal. Some lenders charge this at time of appraisal instead of at closing.
Origination fee. Some lenders charge a fee for the loan (usually 1% of loan amount.)
Underwriting fee. Covers the lender’s verification of information you provide them and whether your application meets the loan requirements.
Document preparation. Charged by most lenders.
Prepaid interest. Lenders charge you for interest incurred from the close date until the end of that month.  The later in the month you close, the less you’ll pay in prepaid interest.
Lenders title insurance policy. To ensure your lender that you get free and clear title to the property.
Flood zone certification. To verify whether or not you’re in a flood zone.
Escrow or closing fee. For the handling of closing documents, payoff of sellers mortgage, handling buyer and seller funds, recording of the sale.
Prepaid property taxes. Your lender will usually collect up to 12 months worth of property taxes.
Homeowners insurance. Lenders require insurance to protect their investment.
Recording fees. For filing the official transfer of the property into your name with the county, township or local authority.
Excise fee or transfer tax. Some areas charge a tax or fee on sale of real estate.
Lender Fees

  • Origination fee
  • Appraisal fee
  • Credit report
  • Underwriting fee & Document preparation/review fee
  • Tax service fee

Title charges

  • Attorney's/Escrow fees
  • Title insurance
  • Transfer tax (Purchase transactions)

Miscellaneous charges

  • Property survey (Purchase transactions)
  • Termite inspection (typically associated with a purchase)

 

Prepaid expenses

  • Prepaid interest (interest that accrues between closing and the end of the closing month)
  • Homeowner's insurance

Various fees explained:

Origination Fees & Discount Points
The origination fee is charged for the lender's work in evaluating and preparing your mortgage loan. Discount points are a fee you can pay to “buy” a lower interest rate – the more points paid, the lower the rate. One point equals one percent of the loan amount. For example, one point on a $300,000 loan would be $3,000. In some cases – especially with refinances – you can add the points to your loan amount, thus not having to pay points out of your pocket.

Appraisal Fee
This fee pays for an independent appraisal of the home you want to purchase. The lender requires this opinion or estimate of the market value of the house for the loan. We have many qualified appraisers available to help.

Credit Report:
A credit score (link) number is often called a FICO score. The score distills all of the information in your credit report (link), using a formula to calculate a single number that indicates your credit worthiness.

Underwriting and Documents Fees
Lenders must underwrite your file in order to see if it meets their lending requirements and the requirements of the companies who ultimately purchase loans for investment purposes.  They then must produce a viable set of loan documents meeting strict Us and state laws

Processing Fee
This fee is for setting up your file, all internal work and for procuring all documentation required to make your loan viable for the lender criteria, and for following up to be sure your loan funds at the proper loan amount, fees and closing date.

Title and Escrow fees
These fees may vary by jurisdiction; often includes the cost of title insurance or title search and attorney's title opinion; may cover premiums for the lender's policy (insuring that its mortgage is a first lien on the property) and a separate policy insuring the buyer's title

Transfer Tax
Transfer taxes are state and local taxes that are assessed on real property when ownership of the property is transferred between parties. Documentary stamps are purchased covering such charges and are place on the deed.

Property Survey
The surveyor determines whether the house is within the property borders, whether there are any encroachments on the property by neighbors and the extent to which any easements on the property may affect legal title.

Prepaid Interest
The interest on your loan calculated on a per day basis and paid in advance from the day of your loan closing through the last day of the month in which your closing takes place. This enables the lender to make payments for your loan due on the 1st of the month.

Insurance: Homeowners & Hazard
A form or protection against physical damage to the house by fire, wind, vandalism and other causes. Your lender will expect you to have a policy in effect at closing.

Sean Coster

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Posted on July 9, 2014 at 9:40 pm
Sean Coster | Posted in Closing costs, Prepaid expenses |

March Market Review

Real Estate Market Review – March 2014

Despite what information may be circulating in the national news, the housing market in our region is strong.  With about 2 months of inventory in Portland our greatest challenge at this point in time for buyers is finding homes for them.  

The tables and graphs below will give you a snapshot of our region, state and cities performance in the market.

 

Pacific Region shows highest house price appreciation in the United States.

 

 

Oregon 4th in the nation in house price appreciation for year ending December 2013.

By The Numbers…

 

Portland for February 2014

(Analysis of homes listed at $150,000 or more in the Portland city limits)

*  13.7% more sales of homes in February of 2014 than 2013

*  The average sales price in Portland was $368,000 with homes retaining 98% of their value from the listing to the sales price.  
*  The median sales price (that in which half are above and half are below) was $305,000 for last month.  

*  The average numbers of days on the market was 55 for all homes (detached, condo and townhouse).

 

 

Vancouver for February 2014

(Analysis of homes listed at $150,000 or more in the Vancouver area)

*  33.3% more sales of homes in February of 2014 than 2013

 The average sales price in Vancouver was $273,000 with homes retaining 98% of their value from the listing to the sales price.  
The median sales price (that in which half are above and half are below) was $235,000 for last month.  
The average numbers of days on the market was 69 for all homes (detached, condo and townhouse).

 

 

Mortgage Rates

(Freddie Mac’s weekly primary mortgage survey – week ending 3/6/2014)

4.28% 30-Year Fixed
3.32% 15-Year Fixed
3.03% 5/1-Year ARM
2.52% 1-Year ARM

We hope you find this information about your local housing market useful.  If you are interested in a Real Estate Review and price opinion on your property, please contact us.

Sincerely,

Roger Gantz and Sean Coster

 

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Posted on March 21, 2014 at 10:54 pm
Sean Coster | Posted in Market Information |