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Wooden Boats – Halls Boat

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Caring for Classic Wooden Boats and Their Owners Since 1928

Hibbard Hall established Hall’s Boat Corporation in 1928, on the site of the old Harris yard that dated back to 1908. Located at the southern end of beautiful Lake George in the Adirondack Mountains, Hall’s is now under new ownership.

Purchased by wooden boat devotee Steve Lamando in 2006, with daily operations run by Nick Lamando, Hall’s has expanded our services, and more fully developed our facilities and crew, but we maintain the same commitment to customer service established by Hib back in the 1920s.

Today, Hall’s operates a Boatworks team performing fine wooden boatbuilding, restoration, and repair; a Boat Sales team specializing in wooden runabouts, and a Boating Club providing concierge marine service to members as well as charming, Adirondack-style lodging on site.

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Seatle Home Inspection

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The decision to have a home inspection in Seattle is not one to be taken lightly. It is an important investment decision, and choosing the right home inspector (or not choosing one at all) can seriously impact your future.

When deciding to have a home inspection in Seattle, you should first research the inspector’s credentials and experience to determine whether or not they are qualified. A qualified home inspector will typically belong to an association and possess ample experience and an outstanding reputation.

Home Inspection Services

You don’t want to make the mistake of having a family member, friend, or yourself inspect the home in order to save money. While they may possess certain skills, professional home inspectors have received years of training and experience specifically in home inspection in Seattle, and have developed an instinct to notice things that many others would not.

When you’re buying a house, a home inspection should be one of the main ingredients in the final contract. Much like an appraisal, a home inspection will result in a detailed report that you can share with your team and use as a tool in final negotiations. If your contract with the seller includes a “general inspection clause”, and the report turns up major repairs, you can choose to renegotiate the deal or back out of it altogether. These days, most buyers opt to fork over the money for this priviledge.

If you want to bring this important element to the table during your negotiations, you’ll have to budget for it in your closing costs and find yourself the best inspector you can find. He or she will inspect and report on a variety of building elements that are not adequately covered in an appraisal. Here’s a list of the main ingredients that go into the final report:

Ingredients:

-Description and report on the structural elements of the building
-Description and report on the exterior elements of the building
-Description and report on any building-wide systems and components
-Description and report on the roof and attic
-Description and report on the plumbing systems
-Description and report on the electrical systems
-Description and report on appliances

Method:

-An inspection takes between 2 and 4 hours on average
-It will cost you between 300 and 800 dollars (depending on square footage) and
-You will need a qualified, bonafide home inspector

This last element shouldn’t be underestimated. It’s said that a home inspection can only be as good as the home inspector. So do your homework and shop around before you choose this important member of your real estate team. Experience in the building industry and reputation are perhaps your best indications of expertise.

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Greenville South Carolina Homes

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Greenville Homes South CarolinaFor nearly twenty years, Schumacher Homes of Greenville has been an innovative leader in the custom home building industry. By combining imaginative vision with high value, Schumacher Homes has consistently delivered quality construction and award-winning design to the home buyer, at an exceptional value that remains unmatched by other custom home builders.

Watkins Farm was formerly owned by the Watkins family. The property was deeded to the Watkins family in the late 1800’s by the King of England. The family operated a working farm until the late 1980’s. It remained in the Watkins family until the original craftsman style farmhouse became unsafe. In May of 2007 the norton company purchased the Watkins Farm property and unfortunately the old Watkins farmhouse had to be torn down. The norton company decided to develop the property in the theme and spirit that has inhabited the land since the late 1800’s.

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New Homes Greenville – Watkins Farm

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Schumacher Homes of Greenville, a family-owned custom home builder, working in conjunction with Norton Developers, a premier real estate development company, is proud to be the exclusive builder for Watkins Farm located in Greenville, South Carolina.

new-homes-greenville

Directions

  • I-385 to Woodruff Rd.
  • Go Toward Woodruff approx. 5 miles.
  • Left on South Bennetts Bridge to straight on Reidville.
  • Go approx. 2.5 miles.
  • Community is on your right.

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Real Estate Appraisal Books

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Income Property Appraisal, 2nd Edition
Income Property Appraisal, 2nd Edition

SKU: 150-5268-2005

This second edition is a must-have for any general appraisal certification examinee. Educators can use this book in many different ways. As it can easily fulfill 30 to 45 hours of classroom time, it can be used as a supplement to a course that needs additional hours. Collegiate instructors wil…


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Investment Analysis for Appraisers
Investment Analysis for Appraisers

SKU: 150-0698-1994

The focus of this book is on learning how to analyze real estate income property from an investor’s perspective. Topics covered include: Introduction to Income Property Valuation, Compound Interest and Discount Factors, Cash-Flow Forecasting,Investment Return Calculation, Investment Measures w…


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Massachusetts Real Estate: Principles, Practices, and Law, 1st Edition
Massachusetts Real Estate: Principles, Practices, and Law, 1st Edition

SKU: 240-0952-2009

This state-specific pre-license book is both a comprehensive resource and a perfect supplement to a general real estate textbook by addressing the broad spectrum of Massachusetts real estate laws, principles and practices, many of which are neither recognized nor practiced in other states.


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Michigan Real Estate: Principles & Practices, 4th Edition
Michigan Real Estate: Principles & Practices, 4th Edition

SKU: 241-2852-2004

Completely updated, this popular text from South-Western is the most up-to-date text covering Michigan real estate laws, rule and practices. Using a workbook style that allows users to practice completing forms and taking exams, Michigan Real Estate: Principles and Practices, 4e fully prepares an…


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Planning, Public Policy and Property Markets
Planning, Public Policy and Property Markets

SKU: 100-4300-2005

The focus of this book is on how public policy – and especially the planning system – both shapes and reflects the essential characteristics of land and property markets. It challenges the common misconceptions that property markets operate in isolation from public policy and that plan…


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Practical Real Estate Math, 3rd Edition
Practical Real Estate Math, 3rd Edition

SKU: 100-9198-2008

This practical and useful arithmetic text helps students–particularly those having trouble with math–learn the fundamentals of real estate math. The book’s relaxed, easy-to-understand style helps anxiety-ridden students calm down and focus on the subject. Beginning with a review of basic mathem…


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Property Investment Appraisal, 3rd Edition
Property Investment Appraisal, 3rd Edition

SKU: 150-5559-2007

This book explains the process of property investment appraisal – estimating both the most likely selling price (market value) and the worth of property investments to individual or groups of investors (investment value).

Valuations are important: they are used as a surrogate for…


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Real Estate Appraisal: From Value to Worth
Real Estate Appraisal: From Value to Worth

SKU: 150-0014-2006

As real estate professionals now advise both on strategic and operational aspects of built assets, they must take into account practices of other investment markets and see investors as competitors to owner-occupiers. Both owner-occupiers and investors have to assess accurately how the…


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Real Estate Brokerage Management, 4th Edition
Real Estate Brokerage Management, 4th Edition

SKU: 300-0798-1998

Fine-tuned for a clearer and more logical presentation, this timely, relevant and well-written guide concentrates on the management and organizational aspects of the real estate brokerage business.


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Real Estate Finance, 8th Edition
Real Estate Finance, 8th Edition

SKU: 100-2907-2001

Featuring an easy-to-read narrative format and contemporary focus, this text provides cutting-edge coverage of specialized mortgage lending procedures–including sources of mortgage money, constraints on those sources, loan qualifications, and laws and regulations that guide practices.


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Tax Credit Benefits Video

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We at Research and Development Tax Credit specialize in analyzing businesses for the missed tax breaks they are entitled to. We offer a comprehensive R&D tax credit claim and advice services. Contact us today to see if your company qualifies for these and other missed tax advantages.

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Loan Rate Modification Services

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ABM Mitigation is your personal loan rate modification advocate.

Our team of loan modification professionals and legal staff will work together with your current lender to negotiate on your behalf providing your with financial relief. Allowing you to live in your precious home stress free.

Why ABM Mitigation Corp?

Loan Modification Application

Loan Modification Application

ABM Mitigation Corp. is one of the nations leading firms specializing in Loan Modifications and Loss Mitigation. We are leaders in the nationwide fight against Predatory Lending and Foreclosure. The ABM Loan Modification Team is trained to execute our unique methods and techniques to modify our clients’ existing mortgage, reduce current mortgage rates, negotiate affordable terms and restructure payments with their current lender to provide our client with temporary or permanent financial relief. With a loan modification you can save your home, get back on track with your payments, and avoid the costly expenses of refinancing.

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Home Inspection Minneapolis

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Certified Home Inspector

Professionally Trained and Certified at Kaplan

When you hire a home inspector, you need to hire an inspector that is certified and insured. Home inspectors are required to follow nationally recognized standards of practice and a code of ethics. I have chosen Kaplan Professional Schools to be my educational and certification resource because of their reputation and high educational standards. I have also recieved my contractors continuing education through Kaplan and I have attended their building science courses as well. I am committed to an ongoing education to continue to refine my knowledge of the home inspection industry.

inspection-request

Professional Association Memberships

I have chosen to be a member of Inter-NACHI because of their extensive online educational resources. Home inspectors need to be enthusiastic about their education and I enjoy mastering the materials and course requirements to maintain a membership with Inter-NACHI. This means that you will recieve a thorough home inspection from a well educated home inspector.

Get Home Inspection Results From An Experienced Builder

Afraid To Hire An Inexperienced White Collar Home Inspector?

Do you want a home inspector that has 24 years real world Blue Collar Experience repairing defective homes?

Do you want a home inspector that has observed the causes of building defects in the making?

Do you need a thorough inspection so you have the information you need to determine the homes true value to you?

Are you afraid of costly surprises three years down the road?

Do you want a professional home inspection report that is easy to understand and delivers actionable information?

Do you want your inspector to be a good student that spends his free time continuing his education?

Do you demand professionalism and follow through?

Do you expect your inspector to have effective communication skills?

Do you want a home inspector that earns his fee?

If you answered yes to these questions, then we are a good match.

Steven O’Connell
4890 Grand View Avenue
Minnetrista, MN 55364
(612)490-9886
steven.oconnell@mchsi.com

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Hard Money Loan – how it works

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hard money loan is a species of real estate loan collateralized against the quick-sale value of the property for which the loan is made. Most lenders fund in the first lien position, meaning that in the event of a default, they are the first creditor to receive remuneration. Occasionally, a lender will subordinate to another first lien position loan; this loan is known as a mezzanine loan or second lien.

Hard money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 60 and 70% of the market value of the property. For the purpose of determining an LTV, the word “value” is defined as “today’s purchase price.” This is the amount a lender could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property must be sold in a one- to four-month timeframe. This value differs from a market value appraisal, which assumes an arms-length transaction in which neither buyer nor seller is acting under duress.

Below is an example of how a commercial real estate purchase might be structured by a hard money lender:

65% Hard money (Conforming loan)
20% Borrower equity (cash or additional collateralized real estate)
15% Seller carryback loan or other subordinated (mezzanine) loan

Hard Money Loans for your Business

Nothing is certain in our economy these days. Many people and businesses are still in quite good shape, but plenty of others haven’t been so lucky, and have had to close their businesses, and have filed bankruptcy or been foreclosed upon. And now, unfortunately, sub-prime mortgages aren’t available for assistance they way they used to be, due to the recent subprime mortgage crisis. It’s become much more difficult to know where to turn when it’s your financial future at stake.

If you’re one of the many, stuck between a financial rock and a hard place (or a foreclosure and a bankruptcy, as the case may be), it may be advantageous for you to look into taking out a hard money loan. Hard money loans are utilized by many people facing foreclosure or similar financial disaster, as the criteria for lending is more relaxed than a conventional loan. While your credit history is still taken into consideration by the lender, it’s typically not judged as harshly because the loan is given based on the value of real estate property you already own. Due to the slightly higher risk to the lender when dealing with hard money loans, they are not provided by banks but rather by private lenders, and as such, the interest rates of these loans aren’t based on bank rates. Typically the interest rate on a hard money loan will range from 15% – 25% (a little less for bridge loans, which are similar, but not necessarily used in times of financial hardship), which means that you probably don’t want to look to hard money loans as sources of long-term financing. The term is, in fact, often fairly short. Decide carefully if you’ll be able to afford the loan, as interest rates upon default may increase to the state limits, as high as 25% to 29%.  more info

Hard Money Secrets

Anyone with hard money experience knows quoting double-digit interest rates and several points in fees inspires some of the more dramatic borrower responses in the industry. Brokers and lenders witness everything from stunned silence to emphatic resentment. For borrowers with little or no experience with the hard money loans, a basic level of understanding will aid immensely in the process of funding a hard money loan.

From Motivation to Understanding

Armed with an awareness of your client’s motivation, your next step is to ascertain and develop your client’s level of understanding of pricing options available. “Level of understanding” as it pertains to hard money loans is your client’s level of realization that they will have to pay 10% or more, plus points and fees, to obtain a Hard Money Loan.

More info

Understanding Hard Money Loans

In the current financial scene, there is such a concept as hard money loans. The credit facilities are standing by its namesake. Hard money is the amount of loan that is usually hard to outsource especially in the current credit industry situation. There are many lenders and loan providers that are operating in the market. Unfortunately, not all of them are ready to provide loans for whoever needs to secure such products. Most general and conventional lenders are very strict in setting standards to make sure their borrowers would not fail on repaying dents to them. That makes lending hard for many people. People with tarnished credit histories are also having harder times finding such loans.

How Hard Money Loans May Help You

The expectations of lenders can be excruciating for borrowers. The down payment required for an acceptable LTV combined with the minimum credit score are enough to lead potential loans to what looks like a dead end. However, in some cases hard money loans are the perfect remedy.

Often times hard money lenders are confused with venture capitalists mostly because private investors are involved. Banks and lending companies arrange the loans with help from the investors who are seeking a reasonable return.

Clients also tend to request specifics that are determined by a review of their loan request and financial status. For example, lenders can typically tell someone what interest rates range from, but one must apply in order to receive a quote. Since each person may qualify for different terms, rates and amounts it is only rational to review the pros and cons so you may determine whether or not it’s worth it to pursue a hard money loan any further.

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Solar Energy for Hot Water

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solar-energyHeating water using thermal solar energy is the
most cost-saving, planet-caring way for a
homeowner to generate and store hot water. Any
home, hotel, restaurant, gym, salon, spa, laundry
large heated water needs will tell you that their
related energy bills are among the most
staggering costs they face. No matter what your
home or business’s heated water demands, we
can install a system that will lower your costs and
reduce your burden on the environment.

Solar hot water system is over 5 times more efficient at capturing the sun’s energy

  • Cleanest, safest and quietest source of energy.
  • Solar energy does not produce any greenhouse emissions.
  • Lowest operational costs. (energy is free from the sun)
  • Lowest maintenance costs. (minimal)
  • Longer lifespan due to fewer moving parts and no corrosion.

Solar Energy Haus is committed to improving the environment with clean, renewable energy. Solar Water Heating directly
reduces pollution.

In the United States most power plants utilize fossil fuels to produce electricity. Fossil fuels such as natural gas and oil
come from the remains of plants and animals that have stored energy from the sun and have been buried in thousands
of years worth of layers underneath the Earth’s surface. The burning of these materials can drive large turbines that
generate electric power. At the same time, the burning of fossil fuels releases “greenhouse gases” into the Earth’s
atmosphere. Greenhouse gases include carbon dioxide, methane, nitrous oxide and fluorinated gases.

The emission of greenhouse gases into the atmosphere has led to an average increase in the temperature of the Earth’s
surface and oceans. This rise in temperature has paralleled the development of the industrial world and has steadily
increased since the middle of the twentieth century. This effect is known as “global warming.”

According to the U.S. Environmental Protection Agency, 39% of energy consumed in America is used to generate
electricity. A growing understanding of global warming is leading many utilities across America to incorporate clean,
renewable energy sources such as solar into their infrastructures. Since solar energy does not use fuel combustion to
generate power, solar energy does not contribute to global warming  and is therefore an environmental-friendly power
source.

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