Saturday 28 January 2012

Care home residents react to the closure of Bonner House in Sleaford...

Following the decision to close Bonner House by May this year, target reporter Claire Farrow visited the home to see how its residents have reacted to the news...
WHEN you first walk into Bonner House you would be forgiven for thinking it was a social gathering where people of a similar age meet up - but that is where you are wrong.
To the residents and visitors, it is so much more than that.
It is a home and a place of safety where they know all their needs will be met with staff who go out of their way to make the residents as comfortable and happy as possible.
At the home I was welcomed by residents who were keen to share their views and were all desperate to save such an important part of their community.
However, Lincolnshire County Council is saying that people using the home are being reassured that a range of other high-quality, local options are now available.
As it works towards modernising and personalising care provision in Lincolnshire, the authority's executive decided last July that the homes would close, but only when it was satisfied that suitable alternative provision was available.
Councillor Graham Marsh, executive member for adult social care, said: "With a rapidly growing elderly population, providing the best possible care for our residents is an absolute priority for the council.
"By closing three outdated and expensive homes and replacing them with access to an improved menu of care options, we hope residents can see how we're meeting this priority."
The council also claims it has found more job vacancies in similar fields than the number of staff that could be made redundant from the closure.
When the time came for me to leave Bonner House I walked through the dining room where Marjorie Passfield was eating her lunch along with other residents.
Due to her stroke Marjorie struggles to swallow and began choking.
Thankfully, the staff were on hand and she was ok, but what if she was at home on her own?
Marjorie Passfield, 77
Marjorie joined Bonner House four weeks ago for respite care.
She suffered a stroke which left her unable to speak and communicates through a machine.
She said: "The home means a lot to me as I know it is somewhere safe for me to rest. I will miss the helpful staff so much and believe that the closure is helping to make room for the proposed Tesco store."
Di Cardell, 88
Di has been recovering from a broken hip which would have been slow progress if she were at home.
She said: "I think it is absolutely appalling that the home is to close as the care staff provide extreme care that is beyond anything I have ever experienced before.
"I have no help available from my family so would have to rely on neighbours for the help so will have to wait and see what happens and what is offered to me when Bonner House closes."
Mary Rodgers, 87
Mary is in respite care after cracking her knee cap twice in the last year.
She said: "I am very independent but I know when I need a place like this. The care is second to none and I don't see why, when my generation has helped to fight the war and paid our dues, that we can't get a little something in return."
"Also, I would like to know exactly where these job vacancies are that the council speaks of, because realistically, I can't see there being that many."
Enriqueta King
Enriqueta is the daughter of Mary Rodgers who is currently in respite care.
She said: "There has in no way been enough communication as to what my mum can do next.
"I have tried phoning for answers but have had no response and am getting angrier by the day.
"This place offers me a lot of peace of mind to know my mum is in a safe environment where she has everything she needs, even down to good company and a social life.
"I feel incredibly let down by our authorities and feel bad for the generation who helped to keep Britain's independence being cast aside - it is a disgrace."
Walter Cheffings, 79
Walter is being cared for as he suffers from severe arthritis which has left his feet paralysed.
He said: "We have been left on the shelf as I believe the elderly are just an embarrassment to the council and deemed a waste of money.
"We have done our duty and now we are no longer needed. Without us, councillors wouldn't be where they are today, making silly decisions.
"First close care homes, what next? Fill the swimming pool with goldfish? "It's a disgrace and I can't help but wonder what these decision makers will do when they get old and can no longer get about on their own."
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Tight-fisted mortgage lenders pressure home sales

By John W. Schoen, Senior Producer
Home prices have fallen by a third since 2006, creating tremendous bargains for home buyers. Mortgage rates are at rock-bottom lows, making houses more affordable than they have been in decades. Yet home sales last year fell to the lowest levels since the government began keeping records in 1963.
One big reason: mortgage bankers have gotten a lot choosier about approving loans, according to a report by Goldman Sachs economists Hui Shan and Jari Stehn. By some measures, they're pickier than they were before the housing boom took off.
With anecdotal evidence showing that home mortgages are harder to get, the economists crunched Federal Reserve data to show just how much tighter lending standards have become. Using the results of the Fed's survey of loan officers, the report found that lending standards rose sharply after the mortgage market collapsed and the financial system imploded in 2008. Since the recession ended in 2009, lenders haven’t eased their tight grip on mortgage money.
Part of the reason is that there’s less money available to lend. During the housing boom, as brokers produced a flood of new mortgages, Wall Street bankers churned out a torrent of mortgage-backed bonds for investors waiting to snap them up. That market has all but vanished; 90 percent of new mortgages written today are backed by the government.  
The new mortgage pipeline also has slowed because it is clogged with paperwork. These days, you’ll have to fill out many more forms and produce a lot more documentation, on average, just to get your loan considered.
The percent of loans that required “full documentation” declined steadily from 2000 through 2006, hitting a low of less than 60 percent. Those “no-doc” loans were a big part of the reason mortgage bankers made the bad underwriting decisions that created the mortgage mess. Today, nearly 90 percent of mortgage applications require full documentation. That’s much higher than the pre-bubble level.
You’ll also have to show a much higher credit score than you did in the go-go days of the housing boom. In a separate report, Mortgage Marvel, an online mortgage-shopping website, analyzed data from more than 700,000 mortgage applications filed last year and found that the average FICO score was 730. That’s a significant jump from the days when borrowers with scores in the high 500s were routinely steered to high-cost subprime loans.
Applications with highest credit scores concentrated in California, Oregon, Wisconsin, District of Columbia and Hawaii, the company said. The states with the lowest credit scores were Mississippi, Arkansas, West Virginia, Louisiana  and Oklahoma.
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Money dictates choice between adult foster care, nursing home care

Ruth Jose, LPN (l) is the owner of Rocking Chair Home Care Center where Dorothy Bottomley resides and where Dorothy's son, Richard, hopes she'll be able to stay because it is a nurturing, safe and family-type environment for his mother. (Courtesy photo)
GAYLORD — Richard Bottomley is facing a difficult issue encountered by millions of adult children in the U.S.
His mother, Dorothy, 93, can no longer make her own decisions, and he wants to insure that her final years are comfortable.
About six years ago when his mother first exhibited signs of dementia, Bottomley moved her from the Alpine Alten Zimmer apartments to an Adult Foster Care (AFC) home.
“I moved her to Rocking Chair Home Care, Bottomley said. “It is licensed for four residents, and it’s a family-type setting. Clients and staff eat together, and my mother is able to have her own room. The owner is an LPN (licensed practical nurse).”
The cost for residing in the home was $1,900 per month initially, but it has risen to $2,500 as her condition required more services.
Bottomley, however, feels the price is well worth it.
“She’s happy and gets good care,” he said. “There is a large living room where the residents can sit with 15 bird feeders outside the window and a huge TV set and aquarium inside. When she first moved in I’d take her out to dinner a couple times a week, but as the dementia progressed, it would make her anxious and she’d fret about where we were going. She wanted to be home where she felt safe.”
As his mother’s guardian, Bottomley realized recently that she would run out of her savings within a year and would need to go on Medicaid. He has researched and found that it would be easier to place her in a nursing home where Medicaid will pay an average of $6,618 rather than keep her at the AFC home where she is thriving.
He feels the move to a nursing home would be traumatic to his mother. She wouldn’t be able to have her own room and there would be a lower ratio of staff to clients to provide services. It also would cost taxpayers far more money, which doesn’t make sense to him in these difficult economic times.
Although some seniors require the services provided by nursing homes, and Dorothy may at some point, professionals who provide direct care agree that the move can be quite traumatic for many seniors.
Laurie Sauer is the director of the Area Agency on Aging Region 9, which covers Otsego County. According to her, there are some programs that could help Bottomley’s mother stay in the AFC home under certain circumstances, but funds are limited.
“We are supportive of community–based options that help people stay in place,” Sauer said. “There are programs like Michigan’s MI Choice that can arrange a Medicaid waiver for AFC homes. Unfortunately, there is a huge waiting list.”
While room and board is included in Medicaid’s payments to nursing homes, that cost is not covered for those residing in AFC homes. Only documented services are paid. Many people would be unable to cover the costs of room and board at an AFC placement.
Ruth Jose, owner of the Rocking Chair Home Care Center, has begun the long process of applying for Medicaid eligibility and worries about the additional hours she’ll have to spend documenting every minute of the services she provides. She also worries about the many elderly who won’t be able to afford the room and board.
“I charge $1,700 to $2,500 a month, depending on services,” Jose said.”I can’t tell you how many times someone wanted to move into my home, but their income was only around $800. They had to go to a nursing home instead. It’s heart wrenching.”
How to keep costs down and the frail elderly safe and comfortable in their community has become a national discussion as the aging population increases.
A story in the New York Times reported that some states have been experimenting with programs since the early 1980s that make foster care more available. The newspaper contacted aging experts and AFC staff and residents in five of those states and the conclusion was that the programs were extremely successful economically and in terms of the residents’ well-being.
Some of the elderly paid for their own foster care and some had their care paid by Supplemental Security Income. Some states had received waivers from the federal government to use Medicaid long-term nursing funds for the AFC homes.
Legislative committees in Lansing are currently examining the issue of elder residential services and are looking for input. Bottomley has written a letter he intends to send to his representatives at the state and federal levels. Others with an opinion on the subject are encouraged to do the same.
Contact Lorene Parshall at 732-1111
or lorene@gaylord
heraldtimes.com
Source http://www.petoskeynews.com
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It’s Winterization Time! Save Money and Gain Energy Efficiency In Your Home

By Kim Lemmonds
A few smart moves can help your home become an oasis of warmth during the winter months. 
Drafts are blowing through my 38-year-old house. In the family room in particular, it’s icy cold on the (carpeted) floor where my kids play and I’m bundled in my Snuggie on the couch.
So far it’s been a fairly mild winter, but those windy days seem to seep through every crack and crevice of the doors and windows and down through the chimney.
My back door is the worst offender: if you press your eye to the place where the door meets the wall you can see the backyard.
That isn’t right.
So, we’ve begun to take steps to make our home more energy efficient and warmer, and to hopefully reduce our impact on the environment while we are at it. We’ve never really “winterized” our home before, and that has probably been a mistake.
Now, new doors are being installed next week and with that come new frames, caulking and weatherstriping.  According to the U.S. Department of Energymall, drafts and small leaks can sap home energy efficiency by 5 to 30 percent a year.  And it’s not just around windows and doors.
The Daily Green reminds us to look carefully at places like corners, around chimneys, where pipes or wires exit and along the foundation.  They suggest the
incense test:  “carefully (avoiding drapes and other flammables) move a lit stick along walls; where the smoke wavers, you have air sneaking in. And heating or cooling sneaking out.”
If you don’t have storm doors (and windows too, for that matter), consider installing them.  The Daily Green claims that doing so can increase energy efficiency “by 45 percent, by sealing drafts and reducing air flow.”
There are a number of winterization ideas that are quick and easy.  First, change your furnace filter. At this time of year you’re supposed to do that once a month! Dirty filters restrict airflow and therefore increase energy demand.
Secondly, make sure your furnace is properly cleaned and maintained.  Again, this will reduce energy use and save you money.
Next, consider adding additional insulation around your home, especially in the attic. And at the same time, make sure that your pipes are properly insulated as well.
Typically, a home loses heat in the following areas: ceilings, walls, floors, windows and doors, and “infiltration (air loss).” About.com explains that “these are not all the same in terms of their contribution to heat loss. Heat is lost to infiltration…by over 3 times the amount it is lost due to ceilings. These categories generally stack up this way in terms of percent heat loss in a home:
Infiltration / Air Leakage: 35 percent
Windows and Doors: 18 - 20 percent
Floors and Below Grade Space: 15 - 18 percent
Walls: 12 - 14 percent
Ceilings: 10 percent
The federal government will often help pay for of the improvements you make when winterizing your home, as they offer you tax incentives for doing so.
Really understanding your own home’s energy use is a huge step in improving efficiency, which in turn will save you money and is better for the environment. The government’s Energy Star website offers free tools to help you get started.
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Simply Money: Beware reverse mortgages

By Nathan Bachrach and Ed Finke
Wanted: Homeowner, age 62 or older. Close to paying off your mortgage. Living in the home you own. Looking for an income stream. Equity is a must.
If this sounds like you, you may be squarely in the sights of a financial services professional trying to convert your home into retirement cash flow.
As more baby boomers reach retirement age, the marketing drumbeat of products and services geared toward this generation will only intensify. The financial services industry is quick to recognize and tap any new potential source of revenues, especially with reverse mortgages. And while there are some great uses for reverse mortgages, there is even greater potential for abuse.
Home Equity Conversion Mortgages (HECMs), also known as reverse mortgages, have been around since the 1960s. But in the last decade, they have increased in popularity tremendously. A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. There are several qualifications you must meet. The youngest named owner on the deed must be at least age 62; you must either own the home outright or have a small enough mortgage that it can be paid off with the proceeds from the loan; you must live in the home; and you must have a consultation with a HECM counselor prior to closing.
There are several variables that determine how much you can borrow. Generally, the older you are, the lower current interest rates are, and the greater the value of the house, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is the one used for the calculation. Additionally, there are several ways to receive the proceeds: Lump sum received at closing; tenure-equal monthly payments for as long as you live in the home; term-equal monthly income for a fixed number of years; a line of credit that can be drawn on as needed until exhausted; or some combination of the above.
We believe that, although the sales pitch for a reverse mortgage may make it sound like a “no-brainer,” you should only consider this as a source of last resort to supplement your income to meet critical expenses. Let’s say that again: It should only be a last resort for critical expenses.
Think about this: With a traditional loan, you make payments of principal and interest to the lender until the loan is paid off. With a reverse mortgage, every dollar you receive will eventually have to be paid back with interest, to the bank. While you’re using that money without payments being made, interest is still compounding each year. Ultimately, this is paid back to the lender and becomes his profit. This stealth compounding of interest, in conjunction with up-front costs that are typically rolled into the loan, makes this a very expensive way to access your equity. You will never owe more than the house is worth, but the effect of the compounding of the interest can eat up all of your remaining equity, leaving nothing for your heirs.
If you have decided that a reverse mortgage is necessary for you, be sure to shop it around. The costs can vary widely from one lender to another. Make sure to get it all in writing before making your decision. Also be sure that the mandatory counseling is coming from someone who receives no funding from the lender or the mortgage industry. It’s also a good idea to get a second opinion on whether a second mortgage makes sense for you from a trusted advisor who is not associated with the group pushing the mortgage.
AARP (which does not endorse any reverse mortgage lenders or product) has a well-written 50-page brochure titled “Reverse Mortgage Loans – Borrowing Against Your Home,” which clearly describes the pros and cons. On the very first page, they make the following important point: “Investing the money from these loans is an especially bad idea because the loan is highly likely to cost more than you could safely earn. If anyone is trying to sell you something and recommending you use a reverse mortgage to pay for it, that’s generally a good sign that you don’t need it and shouldn’t be buying it.”
We couldn’t agree more. We believe that the practice of attempting to tap a homeowner’s equity to generate commissions from the sale of any type of product should be illegal. The securities industry already prohibits registered securities representatives from engaging in this practice. We call on the insurance industry to follow suit. Your home equity is a treasure you have carefully accumulated. It shouldn’t be viewed as “happy hunting grounds” for anyone with a pen in their hand.
Nathan Bachrach and Ed Finke of the Financial Network Group offer portfolio management services at their Sycamore Township office. Submit your questions to simplymoney@fngltd.com . And tune in to Simply Money daily on WKRC (550 AM) from 6 p.m. to 7 p.m., and on the WXIX (Channel 19) morning and evening news.
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Skills only part of home improvement success

By Steve Maxwell Home Repairs Advice
The custom-milled hardwood stair edging here matches the thickness of this laminate floor, and is an example of stopping and optimizing a situation, rather than plowing ahead with a less than ideal approach. This kind of attitude is key to any home improvement success.

A good house in good repair. This is my idea of home improvement success, and if it’s also yours, then I want to explain something that rarely gets talked about.
Whether or not you’re seriously into doing renovations and maintenance yourself, or you hire a professional to do everything right up to replacing the light bulbs, the key to a good house isn’t fundamentally about hands-on skills. Sure, the ability to work with tools is important (either your ability or that of the pros you hire), but skills are not enough.
I’ve seen more than a few skilled people spend a lot of money renovating homes badly. I’ve also seen naturally klutzy people transform ugly, rundown places into beautiful houses in great condition. So what’s the difference? The make or break issue boils down to the way you handle inevitable, unforeseen problems as they emerge, especially in relation to time.
Every human endeavour spawns problems and unpleasant surprises. Roadblocks are inevitable, but they’re especially common whenever home improvements are involved. And the older your house, the wilder and more interconnected your roadblocks are likely to be. Take a typical flooring replacement job in an older home as an example.
You’ve got it in your mind to install that laminate flooring that’s been piled in your living room for a week, and you’ve taken four days off from work to get the job done. You spend the morning tearing up the old carpet, and discover why the floor has always been so squeaky. The original subfloor is made with pine boards alone, not capped with plywood as you expected. These boards are secured with nails that have worked loose over the years.
You could screw the boards down, except that the screws you have kicking around in the basement are only long enough to penetrate ½ inch into the underlying joists, instead of a more reliable 1 inch. The boards are also uneven here and there, and you seem to remember something about laminate flooring needing a nice flat surface underneath to support it. With the carpet gone, you also notice drafts coming up from the basement through cracks between boards. It’s decisions you make at stages like these that determines whether you’ll have a good house or a bad one.
The thing about home improvement disasters is that they rarely look like disasters in their embryonic state. What appears to be a little surprise about the subfloor in your living room actually holds the seeds of three different reasons your new floor could end up being a total mess. The loose, uneven and gapped subfloor boards are unforeseeable roadblocks, and the difference between success and failure depends entirely on resisting the common and powerful emotion of impatience.
Before you started your flooring job, you had your heart set on walking on a new floor before going back to work. That’s a good goal, but the fact that it was based on incomplete information doesn’t naturally eliminate the urge to plow ahead and “get things done” even though circumstances are different than you initially believed. So do you use those screws that are not quite long enough, or get in the car and buy the right ones? Do you go online and find out how flat a subfloor really needs to be to properly support your particular brand of laminate flooring, or do you go ahead and lay the floor as things are, hoping for the best? And when you go online and find out that the 1/8-inch ridges in the subfloor are too tall, do you track down a power planer and hog them off after setting all the old nail heads below the surface of the wood?
The route to home success in any venture is rarely a straight line. It almost always involves backing and forthing as new information comes in and new realizations appear. Home improvement success is often based on your ability to say no to the timeline of your initial game plan in favour of doing things optimally. Notice I didn’t say “perfectly.” There is no such thing as absolute perfection in this world, and trying to achieve it will drive you and any hired trades people crazy.
That said, things can be functionally perfect, and this is worth shooting for. You or your pros need to understand the need to bend and flex in the pursuit of functional perfection. This often comes down to nothing more than the ability to endure short-term disappointment (no new floor before your next shift at work), in favour of better long-term results.
Show me a person’s home and you’ve shown me how they deal with roadblocks throughout their entire life. The ability to flex and optimize with wisdom and patience as reality intrudes on our plan is where quality really comes from.
Steve Maxwell, syndicated home improvement and woodworking columnist, has shared his DIY tips, how-to videos and product reviews since 1988. Visit him at www.SteveMaxwell.ca, Facebook at Canada’s Handiest Man or @Maxwells_Tips on Twitter.
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Welcome Home the Heroes: Local parade is grassroots effort to honor Iraq vets

People often get together and say things like, "There ought to be ..." but most of the time nothing much comes of it.
But not the folks in the organization Make January 28th Welcome Home the Heroes from Iraq Day. The group of friends and families from the St. Louis region decided there ought to be a parade to welcome home veterans from Iraq and now they are coordinating what will be the first such parade in the nation, they say.
People have stepped up to help in a big way, offering to volunteer, sending in money and providing floats and other units for the parade.
It will begin at noon Saturday at Kiener Plaza in St. Louis and go west down Market Street to Union Station. LaDonna Appelbaum, one of the organizers from St. Louis, said they have from between 100 and 125 units from both Illinois and Missouri scheduled to participate. They have so many they have cut off entries because they want to hold the parade under three hours.
She called it a true grassroots effort.
"It started a month ago with some people saying this should happen. We had no idea it would grow like this," she said. "We knew once we had the permit from the city and they agreed to provide barricades and police that we would do all right. It's amazing the way people have come together to make this happen."
Another group, The Mission Continues, also is helping with the parade and helping sponsor a Veterans Resource Village in Union Station from 11 a.m. to 5 p.m. on Saturday.
"There will be about 60 different booths offering help," Appelbaum said. "It's all about transitioning from the military to civilian life. There also will be music and entertainment."
There still are spots on floats and fire trucks for Iraq War veterans interested in participating in its parade Saturday.
Appelbaum said they have enough volunteers and parade units but can also use financial help. You can find information on participating or make donations at the website: january28group.org.
She said they hope to have thousands of people out to welcome home and cheer on the veterans.
Have a column idea? Call Wally at 239-2506 or 800-642-3878; or email: wspiers@bnd.com
Source http://www.bnd.com/

Read more here: http://www.bnd.com/2012/01/27/2034147/parade-saturday-will-welcome-home.html#storylink=cpy

Read more here: http://www.bnd.com/2012/01/27/2034147/parade-saturday-will-welcome-home.html#storylink=cpy
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Friday 27 January 2012

Baeumler: Decisions about home renovation don’t need to be tough

By Bryan Baeumler DIY
It may not be as exciting or sexy as a new kitchen, but maintaining the exterior of your home - roofs, soffits and foundation - protects your investment.

People are strange.
We know that the way we live is damaging the environment and negatively affecting our health and well-being and yet we continue to produce more and more disposable products that are quick and cheap to manufacture, but need frequent replacement.
Many of us will spend our hard-earned money on replacing these cheap products instead of spending more money up front on quality products that will last longer and operate more efficiently.
With that in mind, it’s no surprise that a lot of people have their priorities backwards when it comes to their homes. An example that I see on a regular basis is someone with a luxury car in the driveway of an old, tired, inefficient home in various states of disrepair.
Now don’t get me wrong; I appreciate a nice whip as much as the next guy. But unlike our homes, which (should) increase in value over time, cars are a depreciable and eventually disposable asset. If you spend your money in the right places, your home will continue paying you back. Your car will just keep depreciating no matter what you do and will always be a liability.
At the end of the day, we build houses to shelter us from the environment, so let’s start with a look at the first line of defence — the outside of your home.
When it comes to protecting us (and in many cases our nest egg) from the weather outside, it’s the roof that does most of the work so it should be at the top of your priority list. However, until there’s water flowing through the ceiling, many people see roofs as a decorative detail on the house.
If you have loose, warped, cracked or missing shingles, it’s time to repair, or replace, the roof. There are products available today that will last much longer than the discount 15-year shingles everyone seems to love. (They shouldn’t exist!) Consider fibreglass shingles or a metal roof, and add your roof to your list of assets!
An important part of your roof is the soffit area (the flat vented area outside the walls and under the roof). Your soffits keep animals out of your attic and also provide ventilation into the attic to keep the roof cool in the summer and remove unwanted moisture from the attic. If your soffits are blocked, you’re asking for mould to grow in the attic, and a shorter lifespan of your shingles. Looking at the soffits from the attic, you should see light — make sure they’re not blocked with insulation.
The exterior siding is the next line of defence from the weather. Siding is designed to shed water off the building envelope and allow for airflow and drainage behind it. It has to be continuous, or water will find its way into your walls, causing all kinds of havoc. An important part of the siding is the flashing above windows and doors to direct water around those openings and to the ground, and the sills below them.
Sills should be a solid continuous piece of stone or metal flashing. Small brick or multiple pieces of stone will eventually fail — water will find its way into the joints between them and destroy the mortar during the freeze/thaw cycle every year. Installed properly, most exterior siding systems should last a lifetime.
Underneath everything, is your foundation — but don’t put it at the bottom of the list. The exposed part of your foundation should at the very least be parged to protect it, while the buried part should be properly waterproofed to keep water out. If your foundation is leaking, there is only one way to fix it properly, and that’s to dig and waterproof it properly from the outside.
Weeping tile must extend around the outside of your home to collect and remove water from the area and keep it where it belongs. There are products available to “waterproof” foundation walls from the inside, but they don’t remove the water that’s already inside the block or foundation wall. If you have water leaking into the basement through the foundation walls, it’s time to dig. Period.
Water in the basement, especially if the walls are finished, will guarantee walls full of mould. Take care of your foundation, and it will hold you up forever. Part of caring for your foundation, is making sure you have a good eavestrough and downspout system installed to direct water away from the foundation wall, and that you have proper grading away from the house to take care of runoff from the outside walls.
The roof, siding and foundation are all integrated systems that depend on each other to protect us from the environment and provide shelter for us. If these three systems are in good shape, your investment is protected, and you can start to build real value inside the walls by making your home more safe, efficient, and pleasing to the eye. We’ll talk about that next time.
I sleep well at night knowing my roof, siding and foundation are all in good shape … now I have time to hit the car wash!
Bryan Baeumler is the host of Disaster DIY (weekends at 1 p.m.) and House of Bryan on HGTV. His column appears every two week in New in Homes & Condos. You can contact him via his website www.baeumler.ca or follow him on Facebook or on Twitter @Bryan_Baeumler.
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You have to be willing to make some sacrifices in life to get want you really want

By Letter: D. Graham, Surrey, The Province
These are just some of dozens of emails we received in response to our package about the high cost of Vancouver real estate. Join the debate! Add your comments. Share your story.
I could hardly believe some of the comments by the people featured in your article about housing the Vancouver area.
It is NOT our government’s responsibility to ever help out with housing for its citizens. Don’t forget the government’s money is our tax dollars and the last place I want to see it used is for the less-educated, lazy or those with a sense of entitlement due to being raised in the area.
Come on people, “man up” and realize what kind of education and thus job you will need to afford what you WANT, not deserve.
Yes, those wishing to buy a home in the area will have to save up at least $50,000 or more (less debt is better) for a home in the Vancouver area.
I went to university until I was 25 and knew I’d need a high-paying job order to afford a decent home in our area. Thus I became a stock broker and earned only about $25,000 to $40,000 my first three years. Soon after, by my very late 20s and early 30s, I was earning $75,000 to $120,000.
I saved $75,000 in those first five years of my commission-only career for the down payment on my first house. It was near the Surrey truck border crossing and in 1992 cost $242,000.
To save for my down payment I had no life. I lived with friends and our rent was about $300 each. I never had a nice mountain bike or new skis or took vacations.
I budgeted so I could save about $1,500 to $2,000 per month — always bag lunches, cheap dinners and almost never went to restaurants or coffee shops.
I married in 1993 and my wife never worked outside the home and raised our two kids as a stay-at-home. I’m now 50, my wife is 43 and we now have a home worth about $2.5 million and five rental houses and townhouses with small mortgages. We are still frugal and watch our spending very carefully.
I still find it hard to believe people in their 20s are bitching about not being able to buy a home in our area.
Yes, it is a very pricey area and always will be, but these younger people must realize that it takes many years of saving to afford a home. I think it is crazy for people to want to buy a home without at least a 25 per cent down payment.
The great cities of the world, such as London, San Francisco, New York, Paris, etc will always be expensive and highly desirable places to live. People must realize this fact of life and possibly move away to make and save money for a home in this area at sometime later down the road .
You have to be willing to make some sacrifices in life to get want you really want.
My advice to those with less money or with less education and lower earning capacity is to move to somewhere like Fort St. John or Chetwynd, where there are great paying jobs and low rents.
Go save and come back here in five to 15 years, or go get a great education that you know will pay off huge once you are working — such as a dentist, doctor, engineer, financial analyst, lawyer, etc. Just stop expecting others to pitch in for your lifestyle and wants here in the Lower Mainland.
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The art of making money

By Tania Lee (China Daily)
Where to invest or stash that extra cash. Tania Lee reports.
It's a good time to be a contemporary artist in China. Rapid changes in society, driven by a thriving economy, have fueled creativity and strong high-end demand. As a result, China is now home to almost half of the world's 100 top-earning contemporary artists.
This example of Chinese contemporary sculpture was displayed at 798 Art District in Beijing in the fall.[Photo/Provided to China Daily]
Chen Yifei is one of them. In May, his large oil painting Wind of Mountain Village went under the hammer for almost 69 million yuan ($11 million). It set a record for Beijing at the time, according to Artprice, a French company that tracks global deals. This, and other purchases, have boosted China, in economic terms, to the top of the fine-art marketplace. But should this feat be applauded or rather a cause for concern? Valuating the contemporary Chinese art market purely by auction sales would be like judging a book by its cover. The art scene certainly lies deeper than that. In fact, much of the business is conducted though private, underground dealers or galleries, making it difficult to determine the real value of an art work. Given how quickly the market has risen, could it all come undone after a sudden price check?
Real price questions
The Chinese contemporary art market is still very thin. Don Thompson, professor of marketing and economics in the MBA program at the University of Toronto, recently wrote in The Art Economist that a significant chunk of the top of the nation's contemporary art works has been purchased by a handful of wealthy mainlanders (including Zhang Rui and his wife (see profile right). They are known as "super collectors" and are subject to follow-the-leader style behavior. If these families were to find a new passion, would it affect market prices?
Western demand for contemporary Chinese art is small, but growing. A strong indication that the market is expanding beyond borders is the structural choices made by Chinese auction operators. China Guardian Auction Co Ltd, the second-biggest auctioneer in terms of revenue last financial year for instance, opened its first overseas office in New York this month. "We are taking the American market very seriously," said Li Yanfeng, the auctioneer's manager of contemporary art. Since Chinese art collectors are more driven by finance and fashion, could the emergence of more Western galleries featuring contemporary Chinese art stabilize the market?
The White Rabbit Gallery in Sydney showcases one of the world's largest private collections of contemporary Chinese art. Judith Neilson, the wife of one of Australia's wealthiest men, fund manager Kerr Neilson, runs the nonprofit organization and said her collection includes about 600 works by more than 250 artists. Asked if she believed Chinese contemporary art is undervalued, she said, "We don't believe so. There is a huge interest in contemporary Chinese art in Australia. Even in Sydney we are seeing an increase in the number of commercial galleries showing modern Chinese. The market is still quite buoyant and prices remain high."
Another factor to consider is that several Chinese banks have art-investment funds. China Mingsheng Banking Corp Ltd is said to have been the first to start seriously investing in Chinese contemporary art. In April it bought out the entire collection of Huang Yong Ping's Leviathanation - an installation of a giant fish sticking out of a train - from Tang Contemporary Art Gallery in Beijing's 798 Da Hanzi Art District. Purchases by banks represent a high percentage of the contemporary Chinese market than the art funds in any Western country, as indicated by Thompson. A run of redemptions would force the sale of a lot of works.
Buy, sell or hold?
Of course, not everybody can afford to own a Chen Yifei, let alone works by contemporary stars such as Zeng Fangzhi, Zhang Xiaogang or Zhou Chunya. Their works were auctioned for a totla of more than 10 million yuan last year. Tang Contemporary Art Gallery's head curator Wang Beili suggested an investor could buy a hundred different art works from young artists for the same price as a very expensive art work and possibly get a bigger return. "Chinese collectors don't have the taste or the time to learn about this. The way Chinese people buy art is similar to the way they buy brands such as Louis Vuitton and Hermes," she said.
If art in China is fashion-driven, does this make the auction market more frenzied? Not entirely, according to China Guardian Auction. The market is more determined by the state of the economy and because of its recent state, last year's fall and spring auctions were "slow".
"Some artists may not consider selling because prices will not be optimal until after the winter. I believe things will turn around in the spring. There will be a great opportunity to start buying art, then," said Li.
However according to "super collector" Zhang Rui, there is a rule to buying art. "When the economy is strong, good art emerges. But no one wants to buy when prices are high. Good art doesn't emerge during weak economic times either and no one wants to sell at a low price," he said. Note: The price index for Chinese contemporary art has reached new records, even greater than prior to the global financial crisis.
Despite the volatility of the global contemporary art market (plus 30 percent between 2004 and 2005, minus 38 percent between 2008 and October 2009 and plus 27 percent between July 2010 and June 2011), according to Artprice, there are mainstays who will continue to expand their modern Chinese art collections. Neilson made her first trip to China in 2000 and has been known to visit Beijing every three or four months.
Sometimes there's no really good time to buy or sell because, as Neilson suggested, "it is impossible to predict what the market will be like in two, 10 or 50 years." Instead she prefers to buy work she loves. "I don't buy art as an investment because you never know how the market is going to respond," she said.
Who's buying what?
Chinese buyers are attracted to speculative phenomena and the social prestige linked to the acquisition of works of art. These investors seek to diversify their portfolios and are often consumers of the aura of luxury conveyed by expensive contemporary art, according to the annual report from Artprice
Some big buyers in the Chinese mainland often lack the critical sophistication seen in the West. "Some big Chinese buyers don't know anything about the work or the concept, they just want to put money on a very high-priced painting because it's easy to sell later," said Wang. However, this is slowly changing as a result of increased exposure to contemporary art through television, art fairs and exhibitions and overseas travel.
Traditionally, the works that sell best in China are paintings and sculptures. "It's the only thing on which the buyer can speculate easily and get his money back," said Wang. Contemporary pieces, especially "new-media" works (a term that refers to photography as well as video, audio and digital installations), only make up a fraction of the total Chinese scene.
New-media art has been tried and tested in China but it's growing more timidly than in other parts of the world. It accounted for 7.68 percent of the contemporary art auction market in the last financial year, most of it sold in London and New York, according to Artprice. Contemporary art only accounted for 5 percent of Guardian Auctions' total sales for China. "There's even less interest in new media," Li said.
Going against the grain in China is Tang Contemporary Art - one of the most progressive galleries in the Chinese market for new-media installations. One of the its best-selling artworks is Freedom by Sun Yuan and Peng Yu, which required the whole gallery to be waterproofed so that a giant hose could spray water around the room every two minutes. The artists made smaller editions of the installation as well as three bigger versions (one sold for about 2 million yuan). One of the reasons new-media art has been hard to sell is that it's hard to collect. "You need a large space such as a private museum or you really have to believe in the future installations. And, for collectors, these are very hard," said Wang.
Space and passion aren't lacking in Neilson's gallery (once a knitting factory). The White Rabbit collection includes 50 or 60 new-media works. "We don't specifically seek out new media, but if I see a work that I like which happens to be a new-media work, I will buy it just as if it were a painting or sculpture. The key thing is my own reaction to the work itself."
Where to buy
Chinese buyers may feel that auction houses provide greater price transparency and bidders seem reassured by the presence of other bidders. But how competitive are the prices? Take this into consideration: China's leading auctioneers Poly International Co Ltd and China Guardian Auctions Co Ltd have about 60 percent of the mainland market for high-end contemporary art at auction, according to Thompson. Sotheby's and Christie's are also not allowed to hold auctions on the mainland but operate from their offices in Hong Kong, he added.
Poly International's contemporary art sales are already on a par with those of Christie's in New York (Christie's total revenue amounted to 88.2 million euros ($111 million) versus Poly Beijing's 83.4 million euros). "The problem with Poly is that it is too focused on money and traditional Chinese art," said Wang.
Most of the contemporary works sold in Hong Kong are made on the mainland. Foreigners and mainlanders may prefer Hong Kong as a destination to conduct art deals because of its "free port" status, tax exemption on the import and export of artworks, its respect for banking confidentiality and more liberal regulations than either Beijing or Shanghai, according to the Artprice report.
Despite this, big collectors still prefer to buy from Beijing - a creative center where galleries compete to sign up the best artists. Neilson, for example, never goes through auctions. "We prefer to deal with the artists directly whenever possible, although that isn't always the case. In those events we would deal with their gallery," she said.
Risky business
It seems that the most successful art investors are people who not only have the money, but those who best understand the concept of art. The increased interest has led to the explosion of the Chinese contemporary art market, which has produced a new wave of young artists eager for instant financial gratification. Today there are young artists, barely out of art school, whose works sell easily for 10,000 euros (81,000 yuan) to 20,000 euros. "I think that's too easy. Nowadays, out of 100 young artists, only two or three will become very successful," said Wang.
Remy Ji contributed to this article.
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Cut-price home offers huge value for money

Afive-bedroom detached house would have commanded well over £200,000 in any other location in the country.
But this outstanding property is further proof of the value being offered by vendors in the Gainsborough area.
And to make the package even more attractive, this must-see home is located in the sought-after village of Lea just a few miles from the town centre.
It combines rural living with close proximity, with a market town and all its amenities.
The house, which has full double-glazing and gas-fired central heating, has an impressive entrance hallway with a downstairs cloakroom.
And the 13ft by 12ft 11in sitting room has a feature Adams-style surround with brick backing and tiled hearth to show off a real flame-effect gas fire.
The large lounge diner has impressive dimensions, measuring 21ft 1in by 13ft.
It offers tiled flooring, a white modern fireplace with contrasting black marble-effect backing and a hearth surround with a real flame-effect electric fire.
And it has double-glazed patio doors to the rear garden.
The kitchen measures 13ft 5in by 9ft 3in and sports a range of oak-style fitted base, wall and drawer units, plus surrounding roll-top work surfaces.
There's a cream polycarbonate 1.5-bowl sink and a drainer with a mixer tap and cupboards beneath.
There's also plumbing for a dishwasher and washing machine, plus a stainless-steel oven and gas hob with an overhead extractor hood.
Bedroom one is a double of 13ft by 12ft 11in and has fitted white furniture across one wall.
A second bedroom is a single of 7ft 2in by 6ft 1in, while a third comes in at 10ft 2in by 9ft 11in and has a fitted cupboard with shelving above.
A fourth bedroom is another double of 10ft 2in by 9ft 5in and the fifth in another single at 9ft 5in by 7ft 2in.
All are served by the family-sized bathroom of 9ft 11in by 6ft.
This has an ivory suite featuring a panelled bath, low-level toilet, a pedestal wash basin and a separate shower cubicle with overhead shower units, plus part-tiled walls.
Outside, the front garden is mainly lawned with borders enclosed by fencing.
The driveway allows off-road parking for two cars and leads to the attached single garage.
To the rear of the house, the garden is also mainly lawned with borders.
It features a block-paved patio area, a decked seating area and hard-standing for both a greenhouse and a shed.
There's also a raised pond and a vegetable plot, all enclosed by fencing.
The large garage – 27 ft 6in by 11ft 6in – has a workshop and utility area at the rear with light and power, an up-and-over door, loft storage space and a side door.
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Blackberrys for police 'not providing value for money'

An £80m Home Office programme to give police forces Blackberrys and other mobile devices has been criticised by the National Audit Office.
In its report the NAO said only one in five forces has used the new technology effectively.
Five years ago the Labour government began providing police with electronic data handsets, to cut how long they spend at their desks doing paperwork.
But auditors said the programme had not yet delivered value for money.
Margaret Hodge, chairwoman of the Commons Committee of Public Accounts, said: "If value for money is to be achieved, mobile technology will need to be used to drive improvements that will reduce paper work and make police work more efficient."
The NAO said 41,000 Blackberrys and other devices had been given out to officers in England, Scotland and Wales.
It said there have been some benefits - officers are out of the station for an extra 18 minutes per shift, on average, and spend less time processing information.
But the report said the devices were distributed without assessing how many were needed and how they would be used.
'Robust analysis' Three police forces ended up with more devices than officers, while 19 forces only had enough for half their officers.
The NAO called for future investment of this kind to be based on "robust analysis".
Amyas Morse, head of the NAO, said: "In the majority of forces, the benefits have not so far extended beyond simply allowing officers to spend more time out of the station.
"There is still the opportunity to achieve value for money, though, if more forces use the technology to improve the efficiency of their processes and make savings in their back-office activities."
The NAO survey of 32 of the 43 forces in England and Wales found 22 cited drawbacks with mobile technology projects, with only 10 claimed "cashable savings".
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Feature: Living in care home or working as volunteer: a glimpse of the life of British empty-nesters

By Xinhua writer Bai Xu

LONDON, Jan. 23 (Xinhua) -- Basked in the rare winter sunshine poured into his room through a window, the old man sat on his bed, watching TV while biting into the biscuits that the care home workers just gave him as snack.
Trevor Barnett, 74, has been living in a care home in downtown London for half a year.
A circus performer before retirement, the old man broke his neck in 2011 when doing exercises. Barnett's wife suffered ailment in the legs and his son worked in Spain. As his nerves were damaged and recovery could be slow, the hospital insisted that he be attended in a care home and found the current one for him.
Every day, workers from the care home help him with the washing and bring him dinners to the bed. If weather permits, they would put him on wheelchair and take him to the garden.
Barnett's wife visits him twice a month. The old man has a computer, with which he could chat online with his family.
The manager of the care home, who declined to be named, told Xinhua that services enjoyed by Barnett were funded entirely by the government, about 800 pounds (1244 U.S. dollars) to 815 pounds (1267 dollars) a week.
In that care home, there are more than 90 elderly people like Barnett, whose ages average at 88. They were mostly empty nesters without children living together to take care of them.
"In such an industrial and fast-pace country as Britain, people can't take care of their parents any more because of their work or their own children to raise," said the manager.
CARE HOME V.S. HOME CARE
Britain has been challenged by a rapidly aging population. Among the 63 million people across the country, about 14 million are above 60, including 1.4 million above 85 and more than 12,000 centenarian. It was estimated that in 2030, nearly one third of the employees in Britain will be above 50.
With the development of the society, life expectancy is growing and families tend to be dispersed. Meanwhile, more couples opt not to have children. All these factors boil down to a growing number of elderly people living in empty nests.
This imposes a great challenge to the British government.
Care for older people was provided almost exclusively by the state until the 1980s. At this point demand for residential and nursing care began to outstrip supply. Hence independent and private sector surged to invest. Now independent sectors account for approximately 92 percent of the market.
Services are provided in two ways: care homes and household services.
Britain now has 18,000 care homes, accommodating more than 500,000 elderly people. According to Chris Manthorp, independent consultant of Barchester Healthcare, the fourth biggest independent healthcare provider in the country, the elderly people in care homes are mostly old and with some sort of illnesses.
"The average age for entry into residential care is now approximately 87 years, with 70 to 75 percent of them admitted living with some degree of dementia," he said in an interview with Xinhua.
Those with savings over 23,250 pounds should pay for the services. But those with savings under 13,000 pounds are entirely funded by the government.
"Most people who go into care homes receive at least some funding from state contributions," said Manthorp, adding that as a result, they have to meet certain criteria through assessment to get the funding.
The manager in Barnett's care home noted that the assessment could be complicated and the document includes 88 pages.
Services in the care home range from cooking to washing, from cleaning to hairdressing. In that care home, chiropodist, optician, dentist, physiotherapist as well as general practitioner are all available.
In Barnett's care home, a worker Elaine Smith showed Xinhua reporter several forms, in which detailed information of each elderly people's diet, hygiene and defecation was recorded. "If anyone here felt uncomfortable, his doctor could check the record here so as to find out the cause," she said.
The elderly people could file complaints to the manager or local authority. An independent Care Quality Commission checks the care homes several times each year to evaluation their work. Those found disqualified would be warned, fined or even closed.
To those who are reluctant to move into care homes, a range of services are offered. "By far the most common choice is the use of a home care worker, who will help with domestic tasks and minor care needs," Manthorp said.
They are entitled to an assessment as well, so that some will receive state support in terms of payment for services.
Professional senior care is usually provided by non-government organizations, like Age UK, the largest charity for older people in the country.
SHORTAGE AND OTHER OPTION
However, such senior care model has some problems, most importantly the lack of funding. After the financial crisis, the private sector sees more pressure in operation, while local governments cut funding in this aspect.
As most of the elderly people who purchased senior care services, in care homes or at home alike, were financially supported by the government, the cut of government funding surely affected the private sector.
One of the examples is Southern Cross, one of the leading senior care operators in Britain with more than 800 care homes which went bankrupt last year. From September 2010 to September 2011, as many as 73 such enterprises went into administration in Britain.
Charities are faced with fund shortage as well. According to Stephen Lowe, social care policy advisor with Age UK, their money came mostly from local authorities and donations.
Seventy-two experts from Age UK and some other charities published an open letter at the beginning of this January on Daily Telegraph, urging the government to make an "urgent, fundamental and lasting reform," so as to provide the "well-funded and high-quality care and support."
Of course, not all of the empty nesters rely on commercial senior care services. In many areas, especially in the countryside, local communities provided voluntary aid to the seniors.
Sandra Purretts, 66, has been living in the Wingrave Town of Buckinghamshire County for 34 years with her husband. Their son lives in northwest Scotland and it takes them 12 hours driving to visit him. Their daughter is now living with her boyfriend in Newcastle, about six hours drive away from the couple. As a result, Sandra only sees her children three or four times a year.
Sandra goes to the local church, where she has lots of friends. They help each other in case of difficulties. The old lady remembered in October 2010, her next door neighbor, a 62-year-old man was diagnosed as lung cancer. "We take turns to cook for the family every day, so that the wife could tend her husband in the hospital," she said.
Later the old man died. Neighbors and friends helped with the funeral.
Sandra said she didn't want to move to live with her children when she got old. "I have been living here for such a long time," she said. Nor would she go the care homes. "It is not my own home after all."
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Burn victim recovering at home after four months in hospital

By Karena Walter QMI Agency
ST. CATHARINES — Cindy Purdy Campbell takes great pleasure in making her kids their favourite chicken dish.
Even if she can’t bend her elbows.
And needs to take a break during cooking.
And spends 30 extra minutes at it than she used to.
Campbell is back at home after being burned to more than 60% of her body, and she’s making dinner for her family, no matter what.
Even if it takes forever to cut up the chicken. And fry the apples. And the onions, too.
“I always make a supper,” Campbell said Monday from her St. Catharines home. “It’s hard work, but it gets done.”
Campbell, 35, spent 41/2 months in hospitals battling injuries she suffered on July 23, the day she was rushed to hospital from the Rockway Community Centre on Pelham Rd.
A 48-year-old man was charged with attempted murder. Details of the case are under a publication ban.
Campbell didn’t know when she’d be allowed to come home from hospital, but doctors released her in early December, in time for the Christmas holidays.
She is anything but recovered. She still has five surgeries ahead of her. But she said she is getting stronger.
“I’m doing alright,” she said. “I have to rely on everybody for rides. I’m feeling pretty good.”
Each morning, a personal support worker gets Campbell out of bed, bathes and dresses her.
Her knees and elbows do not bend because of heterotopic ossification — extra bone tissue that can develop in elbows, knees and shoulders from burn trauma.
The immobility makes doing anything a challenge. Even blowing her nose takes some creative thinking (She puts a tissue on the bed and rubs her nose against it.)
Campbell can sit in a wheelchair with elevating leg lifts or in a medical lift chair. Occasionally, she said she will try to stand but is wobbly.
And so, she relies on the help of support workers, family and friends.
“It’s frustrating because I can’t do what I want. If I have to go out it has to be planned,” she said.
Three times a week, a friend or family member drivers her for physiotherapy at Hotel Dieu Shaver Health and Rehabilitation Centre, which is now “so close and so far away.”
She can’t call Paratransit because the drivers don’t come into the house and she needs someone to put on her shoes and coat.
Campbell said she’s thankful to the strangers who donated to a fund her family opened up for her. She said she’d like to thank everyone who helped, but many didn’t leave their names and made anonymous donations.
She said the money went towards buying a used wheelchair, a mattress for a hospital bed and a wig, because she lost a lot of hair from the trauma and some burned off.
“It’s so nice having such nice people,” she said. “And I have good friends and family.
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Rethinking the row home

By
Chad and Courtney Ludeman didn’t consider themselves environmentalists before starting their company, which builds efficient — and inexpensive — new homes in Philadelphia. But they always thought everything should be built in the best way possible.
For homes, that meant gearing toward health and affordability. ”We try to build a home the way we think is the best way to build a home for people,” Courtney Ludeman said. “This is going to be the new normal because it makes sense.”
With backgrounds in engineering and real estate, the couple deliberated for years before deciding in 2008 to launch Postgreen Homes. “We put our life savings into it,” Chad Ludeman said.
Then the U.S. economy crashed.
But the Ludemans soldiered on. They lured first-time home buyers with a rare promise: eco-friendly new construction for less than $300,000.
“When we started, the only green homes being built in Philly were a half million dollars,” Courtney Ludeman said. “We’re trying to bring well-designed and efficient homes to the masses.”
Unlike innumerable businesses that succumbed to the depressed economy, the Ludemans’ gamble paid off. Postgreen Homes sold nine houses — with three more under construction — at a time when many builders were throwing in the shovel. In 2010, their 100K House — so named because construction costs totaled $105,000 — was named the No. 1 LEED home in the country. (The project also made a cameo in the pages of Dwell.)
For 2012, the Ludemans are reaching for the sky. Their plans — such as a six-unit co-housing project – promise to be among the company’s most innovative work.
Postgreen Homes is smart and forward-looking, said Nate Kredich, vice president of residential market development for the U.S. Green Building Council.
“Everybody wants to live in a home that’s energy efficient, doesn’t draw too much on non-sustainable resources and will stand the test of time,” he said. “It’s just good common sense that people should live in homes that don’t make them sick and don’t drain their wallets.”
THE MODERN LOOK, FOR LESS
Tucked away in Philadelphia’s Fishtown neighborhood, Memphis Street stands out. The lane isn’t noteworthy for its size — cars can barely squeeze by when others are parked there — or its surroundings (an auto garage, a funeral home). Instead, it’s notable for the four modern, three-story homes built there.
Just as traditional row homes are know for their brick exteriors, stoops and flat roofs, Postgreen houses have a distinctive look. The homes, most smaller than 1,500 square feet, are gray or dark blue or black and without outdoor accoutrements. The design is utilitarian and minimal, often with boxy, flat facades, foot-thick walls and triple-pane Canadian windows, to save on energy costs.
“We focus on the envelope,” Chad Ludeman said, to give homes better indoor air quality and lower utility bills.
With one house sold and three in the works, the Avant Garage project on Memphis Street is among Postgreen’s most expensive undertakings. (The base price of an Avant Garage house is $355,000.) Each home has a roof deck and a two-car garage. To cater to the neighborhood’s artists and professionals, the garage situates vehicles in front of each other, rather than side-by-side, and has a second door opening to the backyard. The idea is to create space suitable for a studio or workshop.
The interiors of Postgreen homes are almost completely plucked from an IKEA catalog. The sleek, contemporary design of the Swedish company’s kitchens fits right into the Postgreen look, Chad Ludeman said — and not only are IKEA kitchens affordable, but they use wood certified by the Forest Stewardship Council and clean air standards that make them more environmentally-friendly than other brands. IKEA kitchens come standard, but Postgreen Homes offers buyers the option of upgrading cabinet doors.
Other “green” interior elements include low-VOC paints, dual-flush toilets and customizable wardrobes instead of energy-sucking walk-in closets. What doesn’t come standard: pricey finishes like a recycled countertop. Though these materials provide a feel-good quality to the project — and are available as upgrades — they don’t actually create a healthier home, Chad Ludeman said.
URBAN INFILL
Another way Postgreen keeps costs down is by choosing affordable land. So far, all of the company’s projects are within walking distance of each other in neighborhoods north of Center City, Philadelphia’s downtown district. Once a hotbed for local industry, the area — which includes the Fishtown and Kensington neighborhoods — is now dotted with vacant factories. A series of violent crime incidents certainly didn’t help, one in 2010 significant enough to be named by local broadcasters: the “Kensington Strangler” murders.
But the area has experienced some recent revitalization. It is home to a thriving art scene and the LEED Platinum Kensington High School for Creative and Performing Arts. And Kensington is connected to the rest of the city — including much of Center City — by an elevated subway line.
“Projects that locate themselves closer to resources, infrastructure and transportation find they’re rewarded in the LEED system,” Kredich said. “We’re seeing a fair amount of urban infill these days, which I think is good for everybody. Postgreen takes advantage of that.”
In 2009, the first Postgreen house sold for $278,000. The company’s first six sales were all less than $310,000. Just about all Postgreen buyers fit a similar profile: single or coupled, in their 20s or 30s and buying their first home after saving up. Almost all buyers had already been living in Philadelphia.
“The way we described it in the beginning was a young Dwell subscriber,” Chad Ludeman said.
“A young, but not rich, Dwell subscriber,” Courtney Ludeman added.
The Ludemans were among the first buyers of a Postgreen home, but that wasn’t their original plan. Their bank wanted a pre-sale to begin construction, so the Ludemans purchased one of the two 100K House units. (They also pre-sold the other house, to another buyer.) As the Ludemans started getting media attention on their inaugural project, the couple used their own house as a model for inquiring press. The Ludemans lived in the East Kensington two-bedroom for two years, moving out after their second son was born in May.
Courtney Ludeman loved living in the 100K House. ”It was the first year Chad and I didn’t argue about the heat,” she said.
Radiant heat comes through the concrete floors. The standard IKEA cabinets are wrapped in wood trim for a finished look. Storage space is built into the upstairs floors made of birch plywood. The home features passive house air sealing and Solatube daylighting.
“They were really smart about the design elements and the location of the home,” the USGBC’s Kredich said. “The numbers they came in at helped to prove that you can do LEED on a tight budget… At the time, it was really innovative to build a LEED Platinum home for $100,000.”
Since then, the Ludemans have sold about two to three homes a year. They admit the company isn’t growing as fast as they’d like — and blame it on the same economic downturn that also helped them sell their first projects. Though their affordable houses remain attractive to buyers, it is more difficult to get financing for their projects.
“It’s a very niche kind of thing,” Chad Ludeman said. “It’s not a big money maker for us yet.” In the meantime, the Ludemans founded Hybrid Construction, which leverages their experience to help others build efficient urban projects.
Still, challenges remain for building affordable, efficient new construction in old American cities such as Philadelphia and Baltimore, said Alice Kennedy, sustainability coordinator for the Baltimore Office of Sustainability.
One of the barriers: “Having land to build new construction on in terms of a larger development that makes it cost effective and affordable,” Kennedy said. Like Philadelphia, Baltimore’s housing stock is also predominantly row houses and brownstones, and focus has been more on rehabilitating old homes than on building new ones, she said.
Another hurdle, though one not necessarily limited to an old city, is finding a suitably trained contractor, Kredich said.
“One of the bigger challenges will always be making sure the sustainability vision is executed during construction,” he said. “The good news is there are a large number of contractors that have woken up to the fact that they need to understand this world better.”
2012 holds much promise for Postgreen Homes. Despite suboptimal economic conditions, the company plans to construct 16 row houses, two condos and a retail space in a completely new area: South Philadelphia. Plus, Postgreen will try its hand at its first rental project and a six-unit co-housing building.
Chad Ludeman is excited to get the projects underway. ”We’re just trying to make a living at something we enjoy doing,” he said.
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Thursday 26 January 2012

CSEA president cites importance of County Home

By NICHOLAS L. DEAN OBSERVER Mayville Bureau , The OBSERVER
The Chautauqua County Home has a reach which extends outside of Dunkirk.
Speaking recently with the OBSERVER, Rose Conti, CSEA Unit 6300 president, said that though she represents the employees who work at the County Home, her concerns are for the county as a whole.
"I just don't think people understand the huge impact this will have countywide if this is sold," Conti said Friday. "It's not just the north end (of the county)."
In addition to workers at the home residing throughout the county, Conti said taxpayers as a whole in Chautauqua County have invested in the facility through their tax dollars.
More than anything, Conti said she fears there not being any guarantees if the facility is to ever change hands.
In November, a representative from Marcus & Millichap addressed the County Legislature, detailing how the group's marketing process works.
Most importantly though, the rep stressed, is the fact that the county can make stipulations to the sale or lease of the nursing home facility - stipulations which would address many of the concerns which have been raised by workers and residents.
"We're not putting a sign out in front of the facility," said Joshua Jandris, the representative from Marcus & Millichap. "It's a very strategic process and the people that would be bidding on the facility will come through qualified and vetted."
Still, Conti said a sale could result in major changes to the facility.
"There's no law that says they have to keep it a nursing home, at least no law that I'm aware of," Conti said. "And if they choose not to keep it, those people have to go somewhere. They have to go somewhere else, which will then create long waiting lists at all the nursing home facilities in this county. That affects everybody."
Changes to the employees' wages and health benefits too, Conti said, could have larger impacts than on just the individual employees.
"Right now, my members, yes, they have taxpayers' insurance," Conti said. "But they also pay for their insurance to some degree and they pay a co-pay. If they become employees who are making a lot less money, then the taxpayers, through Medicaid, will pay all of their medical expenses. They won't have to put anything in.
"A lot of the people who work in these facilities which have been sold don't make enough money," Conti continued. "Then they become consumers of that type of money, of food stamps and Medicaid. If they work and have a half-way decent wage though, they are going to go out shopping on Friday night, buy their family a pizza or their children a pair of shoes. But if they lose that income and lose their retirement, they have to start worrying about things like that. Then they don't spend because they can't any longer. Somehow, we all of a sudden have decided that everyone can do less and make less and it is the corporations who seem to be making more."
In December, the majority of the legislature approved a resolution naming Marcus & Millichap as the firm chosen to market the County Home. That proposal had been tabled in November, but was brought back to the floor by lawmakers during the body's December meeting.
"I worry about the entire county and not just the people who work there," Conti concluded. "It's not just the people that work there and not just the people in the north end of the county. It's a bigger problem than that."
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Fighting foreclosures, one home at a time: New group helps Duluth woman keep her home

By : John Myers, Duluth News Tribune
Ann Lockwood will get to keep her East Hillside home, thanks in part to a grass-roots effort by a new Twin Ports group aimed at preventing foreclosures.
Ann Lockwood will get to keep her East Hillside home, thanks in part to a grass-roots effort by a new Twin Ports group aimed at preventing foreclosures.
The newly formed Project Save Our Homes intervened to stop the foreclosure by State Farm Bank, including a petition drive, awareness walk and media publicity.
Lockwood, a 55-year-old mother of three, has lived in the house for 18 years. But she became sick, lost her job after losing her leg to an infection and spent nearly two years in and out of the hospital. While she was recovering, State Farm sent her a notice that a balloon payment was due on her mortgage. She had nowhere near enough money to pay it, and State Farm was about to foreclose.
“I don’t remember anything when I refinanced that mentioned a balloon payment. But they didn’t want to listen to me,” she said.
After intervention by Project Save Our Home and LSS Financial Counseling, State Farm reconsidered. They offered Lockwood a new 30-year mortgage at a lower interest rate, lower monthly payment and no balloon payment.
“I’m so excited that State Farm has proven to be a good neighbor in this case,” Lockwood said, adding that public protest seemed to get the company’s attention. “I’m convinced that helped.”
Ann Avery, a State Farm spokeswoman, said she couldn’t discuss details of Lockwood’s case but that the company “looked at the options we had available and we found a way to keep this customer in her house. We try to help all of our customers stay in their homes.”
Project Save Our Homes formed last fall, an outgrowth of the Occupy Duluth movement. It’s a coalition of community, labor and faith-based activists in the Twin Ports working to “address the home foreclosure crisis and defend housing rights.”
“Ann gave us the first chance to show what a group of concerned citizens can do,” said Donna Howard, who heads the effort.
Dan Williams, foreclosure program director for LSS Financial Counseling Service, said Project Save Our Homes offers a new community outreach dimension to foreclosure prevention efforts focused on drawing attention to the larger issue of foreclosures and deeper problems in the nation’s lending system.
But Williams said that traditional foreclosure assistance programs might still be the best first call for help for most people.
“People facing foreclosure really should still give us a call as soon as they know there’s a problem,” Williams said. “That’s not to say there isn’t a place for groups that are trying to raise awareness for the larger problem. What they’re doing is great. But our goal is to help the individual homeowner’s immediate problem.”
Minnesota foreclosures are starting to slow after reaching all-time highs in recent years, said Ed Nelson, spokesman for the Minnesota Homeownership Center, a nonprofit group of banks and nonprofits that oversees statewide efforts to prevent foreclosures. The number of foreclosure notices mailed to homeowners was down 25 percent in the fourth quarter of 2011 compared to 2010. Still, some 54,000 foreclosure notices were sent to Minnesotans last year.
Foreclosures in St. Louis County dropped from 577 in 2010 to 487 in 2011, a 16 percent reduction.
“We’ve made it over the mountain; we’re past the peak,” Williams said. “But the bad news is that we’ve settled into a number (of foreclosures) in Minnesota that’s still five times higher than it was in 2005.”
LSS Financial Counseling Service, based in Duluth, is the largest foreclosure-prevention assistance program in Minnesota. It offers free services, and Williams said homeowners need to be wary of unscrupulous “foreclosure rescue” companies that charge for their services. One of the biggest problems is letting homeowners know they have rights and that free help is available.
“Anyone who is getting close to (foreclosure) is going to get calls from companies that want to make money off their situation,” Williams said. “We have law firms in Minnesota right now charging $600 to get a foreclosure postponement. That’s something our counselors can walk people through in 15 minutes and the only cost is the $55 fee to file it in the court.”
William said by far the largest problem homeowners face is the loss of employment by one or more breadwinners in the family.
“We’ve really seen the end of the big subprime mortgage crisis. What we are seeing mostly now is employment-related. People who lost one of their two jobs or were laid off … or their spouse had their hours reduced, and all of a sudden they can’t pay the mortgage,” he said.
LSS often works with clients to reduce credit card debt to free up money to pay their mortgage, find a second job or other source of income, and renegotiate their mortgage with the lender.
“If they had a $1,000-a-month mortgage and just can’t make that, we can probably get it down to maybe $850 or $800,” he said. “But if all they can afford is $300, we can help them know their rights and guide them through the frustrating and often scary (foreclosure) road. The reality is that some people just don’t have the family income any more to pay any mortgage.”
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City police make two arrests in home invasion; third suspect sought

By Brent Curtis
City police searched Monday for a third suspect in a home invasion and burglary on Cleveland Avenue that injured three people and led to the arrest of two New York City men.
Two days after police interrupted what was described as an armed invasion by men wielding golf clubs and a knife, two of the alleged assailants appeared in Rutland criminal court where they answered to 14 collective charges.
Daniel I. Martinez-Pineda, 32, pleaded innocent to eight felony charges and a misdemeanor, while Alexander Jiminez, 26, pleaded innocent to five felony charges.
The charges, which included multiple felonies for allegedly beating and restraining two women and a man inside a duplex at 80 Cleveland Ave., prompted Judge Cortland Corsones to set bail at $200,000 for both men.
“These are obviously very serious offenses with significant amounts of violence and threats of violence,” Corsones said before setting bail.
While the two men were in court, city police searched for a third intruder, described by the three victims as a 6-foot-tall man who entered the home with a T-shirt wrapped around part of his face. From what they could see, the man was pale white with brown hair and brown eyes. He wore a white T-shirt under a black hoodie, blue jeans and work boots.
The men spoke in Spanish to one another while in the home, city police Detective David LaChance said. Anyone with information about the missing suspect is asked to call LaChance at 773-1816.
While the third suspect remained at large Monday, LaChance said he didn’t believe that additional home intrusions were likely.
“This wasn’t a random thing. It wasn’t a complete stranger kind of thing. They knew the one guy in charge,” he said, adding that Martinez-Pineda had been inside the home before.
But the two women who share the home, 28-year-old Jennifer Lizotte and Tina Bielski, 30, said Monday that they had only met Martinez-Pineda twice before.
Lizotte and Bielski said they were watching a movie in their home with Bielski’s step-father, Scott Cook, 41, when they heard someone enter through the back door.
Believing that it was her son and daughter returning home, Lizotte said she went into the kitchen where she says she found Jiminez and the unknown man holding golf clubs and Martinez-Pineda holding a knife.
“They said you can do this soft or hard,” she said.
Lizotte said she was shoved into the living room where the three men ordered Cook onto his knees so they could duct-tape his arms behind his back and gag him.
Lizotte said she tried to call the police but had her cellphone wrenched from her hand. When Bielski tried to comfort one of her dogs after one of the men struck it, she said she was hit in the face with a golf club and shoved to the ground where Lizotte joined her moments later after one of the men allegedly grabbed her by the hair and forced her to the floor.
The home invasion lasted an estimated 20 minutes, during which time Cook was kicked in the face and the women were kicked in the back and threatened with rape and harm to Lizotte’s children who were not present.
Cook and the two women were taken to Rutland Regional Medical Center but all three were released the following day.
LaChance said the motive for the home invasion appeared to be robbery, with a 55-inch television, prescription drugs and money among the items still missing.
The detective said the crime was interrupted when a neighbor heard the commotion next door and called police in the belief that a family fight was taking place.
But when an officer knocked on the door shortly after 8 p.m., he was met with cries from the three captives who begged him to break down the door.
The alleged home invaders fled out the back door pursued by city police who say they arrested Jiminez walking on Park Avenue a block away. Martinez-Pineda was allegedly found hiding in bushes behind a warehouse on Cleveland Avenue, police said.
“They were lucky, very lucky,” LaChance said of the captives. “The neighbor’s call stopped it from maybe getting a lot worse.”
brent.curtis@rutlandherald.com
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