Old House New House Living

Fireplaces & Wood Stoves
March 1st, 2010 9:58 AM

Fireplaces & Wood Stoves

There is nothing like the ambiance of a wood burning fireplace. But like any heating system, wood burning fireplaces require maintenance to ensure safe and efficient operation. They should be inspected and cleaned every year.

This process is not a do-it-yourself job.

Simply put, get the flue cleaned to avoid a chimney fire. A chimney fire occurs when the combustible deposits in the chimney (creosote) ignite. A chimney fire involves flames shooting out the chimney top, and air roaring up the chimney to feed the fire. A chimney sweep can remove the creosote deposits that potentially cause fires. Second, have the flue inspected. A flue liner in good condition will help protect your home if you do have a chimney fire. Call a trained technician to clean and inspect your chimney flue.

Old Unlined Chimneys
Fireplaces in old homes may not have clay flue liners. Unlined brick chimneys come in two varieties: single thickness (four inches of brick), and double thickness (eight inches of brick). Consider hiring an expert who does not offer a chimney lining service. An unbiased expert opinion on whether a liner is needed.

Glass Doors
Glass doors reduce heat loss when the fireplace is not running. Most glass door systems added to an existing fireplace are not designed to be closed when the fire is lit. Some high efficiency zero-clearance fireplaces are designed for operation with the doors closed. If you are not sure, ask the technician who cleans and inspects your fireplace and flue.

Wood Stove
Modern wood stoves burn wood cleanly and efficiently. The wood stove must be cleaned and inspected annually. An expert will check the flue, the hearth and the clearance to combustibles.

Zero-Clearance
Today, a fireplace can be added to almost any home. A zero-clearance fireplace can be installed directly against an existing wall and supported by the existing floor (a foundation is not required).

THIS IS AN EXCERPT FROM PILLAR TO POST® HOME INFORMATION SERIES
CONTACT YOUR LOCAL HOME INSPECTOR FOR A FULL VERSION


Posted by Pamela Porter on March 1st, 2010 9:58 AMPost a Comment (0)

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CURRENT MORTGAGE RATES @ FIRST PLACE BANK
March 16th, 2010 2:30 PM

CURRENT MORTGAGE RATES

4.875% for 30 yr Fixed
4.25% on 15 yr Fixed
5.25% on for NO CLOSING COST 30 yr
4.875% for NO CLOSING COST 15 yr
5.0% on FHA 30 yr

Thank you

Drew Stacey
Mortgage Consultant

FIRST PLACE BANK

1080 Nimitzview Drive Suite 100
Cincinnati, OH 45230
Office: 513-232-0800
Cell: 513-404-8622
Efax: 513-672-0635
Email: DStacey@fpfc.net
Website/Apply Online: www.drewstacey.com



Posted by Pamela Porter on March 16th, 2010 2:30 PMPost a Comment (0)

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Need Downpayment Assistance? Here is an option to Consider!
March 15th, 2010 7:27 PM
Welcome Home Funds are still available (down payment assistance). Up to $5000 per qualified borrower (must meet income requirements). 30 yr rate is 5%


30 yr conventional rate is at 5%
15 yr conventional rate is at 4.5%

Closing costs $250 for refinance and $500 for purchases + recording fee

FHA Streamline refinance rates are as follows:
4.875% + lender will pay up to .25 pt towards closing costs
5.000% + lender will pay up to 1 pt towards closing costs
5.25% + lender will pay up to 2.25 pts towards closing costs


Donald W. Roberts
Sales Vice President
Union Savings Bank
513-444-8370
513-683-6446 Fax
Web Site www.yourusb.com/droberts
mortgage calculator for your convenience


Posted by Pamela Porter on March 15th, 2010 7:27 PMPost a Comment (0)

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Want To Lower Your Property Taxes? Act By March 31st Deadline
March 8th, 2010 10:34 AM
As a way to continually provide added value to our clients, Old House New House Management LLC likes to bring opportunities to the attention of our clients that will benefit them, their families and friends.
 
As everyone knows, property taxes continue to rise many see their property value depreciate. Therefore, we would like to introduce you to Armstrong & Associates as a way to assist you with reducing your property taxes which will ultimately reduce your monthly housing expense. Please see note from Armstrong & Associates below:
 
Due to the significant decreases in home values over the last 18 months, Armstrong & Associates has been helping familes reduce their real estate tax burden, especially for those that bought homes in this past year and find that their home is assessed higher than their purchase value.  There is a 98% chance that filing an appeal will result in a reduction in the assessed value of your home, and therefore a savings or cash refund in the hundreds of dollars.  

In order to help you file a tax appeal, we MUST file it before the county's deadline of March 31st.  We do not require any money to start the appeal as we only get paid if we are successful in saving you money.
 
If we win, you simply pay Armstrong & Associates based on the first year's tax savings within 10 days of receiving notice of such change from the Board of Revisions.  If we don't win, you pay us nothing.  You can only come out money ahead!  It's that simple.  Specifically, if you purchased a home for $100,000 that is assessed at the level of a $150,000 or $3500/year and Armstrong & Associates reduces your yearly taxes to $2500/year; a $1000/year savings you will pay only $400 equating to 40% of the first year savings and you reap the benefit for years to come.
 
If interested, please contact Armstrong & Associates immediately as time is running out!
 
Wendy Armstrong
Armstrong & Associates
Wendylaw@live.com
(513) 407-6609

Note: 
Neither Old House New House Management LLC or its partners will profit from this offer in anyway. This offer is being put forward as a benefit to our client's and their family and friends.

Posted by Pamela Porter on March 8th, 2010 10:34 AMPost a Comment (0)

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