Below is an article by Ian Harvey written for the Toronto Star about thermal imaging, an interesting heat-loss detection system that has been around for a number of years and has now become quite affordable.
What’s behind your walls? What you don’t see can hurt your home — but a simple and inexpensive service could be just the tool for peaking into the hidden recesses of your biggest investment.
Thermal imaging technology — taking pictures of objects with a special camera which sees minute variations in temperature and displays them in a corresponding colour scheme — has been around for decades but has only recently become affordable for the residential market.
“These cameras used to cost tens of thousands of dollars,” says Toronto electrical engineer turned thermal imaging specialist Gabriel Gal. “Even more recently, they were $10,000 but now you can get them for around $2,500.”
The same economics that has driven down the cost of your computer, laptop, big screen TV and digital camera, is also at play on these scientific devices. The real trick is being certified in how to read the thermal images.
But for homeowners, it also means that for between $200 and $300, depending on the size of your house and how detailed a report you need, services like Gal’s Atlantis Thermal Imaging can identify issues such as faulty wiring, termite damage, uneven insulation, air leaks, moisture or condensation penetration, and where your in-floor radiant heating system has sprung a leak or whether it was installed properly.
“Even in my own house, I’ve found things I didn’t know about,” he says. “I renovated and had a new roof put on but the water and ice shield wasn’t laid properly. I found where the ice had started to push under the shingles.”
For home buyers and builders alike, it’s a small investment and could pay for itself since a standard home inspection may not catch hidden issues.
“With energy costs today, people want to know if they have a problem,” he says. “If they feel ‘ghosts’ or drafts in their rooms, they want to know where that leak is coming from and a camera allows you to find those things.”
For home buyers, he says, a thermal imaging scan can find problems they can demand be fixed or reflected in a better price; for builders it’s a way to ensure their sub-trades have done their job.
“I’m a certified home inspector as well,” says Gal, who also builds houses through his company Atlantis Homes. “And even with my experience, you don’t always see everything. There are some 80,000 homes sold each year in the GTA and only 70 per cent are inspected. Even fewer are thermally scanned.”
While the thermal imaging can’t “see” mould, for example, it can see moisture which shows up as a different temperature.
“It feeds on paper and the sugars in wood,” he said. “We can see the moisture which usually means mould, too.”
As a custom home builder, Gal knows the value of thermal imaging — and so does Claude Spethmann, who is also a custom builder
“We’ve had problems in the past with radiant floor heating which we put oak flooring over,” says Spethmann of Spethmann Works Ltd. “Sometimes they (the sub-trades) nail right through the pipes and cause a leak, which causes all kinds of problems.”
He hired Gal to image the floor to ensure there were no leaks.
“You energize the heating system and before it really heats up you can clearly see the lines,” Gal says. “If there’s a leak, you’ll see it start to pool.”
In other inspections, Spethmann was able to see insulation was not installed properly and was able to address the problem before turning the finished home over to his clients. “These are custom homes and people expect a level of quality,” he said.
Any tool that gives buyers an insight is invaluable, says realtor Don Gault of Royal LePage/Johnston & Daniel.
While a good home inspector is worth every penny, it can be hit or miss depending on the inspector’s skills and level of experience.
“I take my own advice,” he says. “With imaging, you can see things the naked eye would miss. It can also confirm suspicions.”
Home inspectors aren’t allowed to drill into walls or pull things apart to investigate forensically, he notes, but the thermal imaging can get to the heart of things.
“Nothing takes the shine off a new home purchase like discovering something you wish you’d known about before the offer. It’s rare, mercifully, but I wouldn’t buy from the older housing stock in Toronto without this kind of investigation.”
Showing posts with label brampton. Show all posts
Showing posts with label brampton. Show all posts
Tuesday, May 3, 2011
Monday, April 11, 2011
Choosing a Real Estate Agent
You see so many different For Sale, Sold and For Lease signs with so many different Realtor names. You browse the listings on MLS and see so many more. With so many agents out there, how do you choose? Do you go by their picture? Do you look at how many listings they have? What's a home buyer to do?
Here are a few recommendations when beginning your search:
1) Get referrals from family, friends and co-workers.
2) Meet with a few agents to conduct mini interviews.
3) Check the online search of The Real Estate Council of Ontario to see if the agent is registered. RECO regulates the activity of trading in real estate in the public interest and has been put in place to protect your best interests.
4) If you are a seller, find out how much their commission is.
5) Normally, it is helpful if the agent is familiar with the area you are looking in.
6) Choose someone who displays professionalism and a willingness to work for your needs.
7) Should you want, your agent should be able to assist you with other necessary real estate related services, for example, arranging a house inspection, arranging a mortgage and finding a real estate lawyer.
8) If you are selling your home, does the agent have a plan of attack for marketing your house. MLS, ads, open houses?
9) Not all agents work the same schedule. If you are only available to view properties on Sundays, make sure your agent works weekends. Communicate your availability during your interview with them.
10) This isn't a deal breaker, but if your sales representative has a website, that is a very good way of gathering even more information about them and seeing what affiliations they have.
Wednesday, April 6, 2011
Entrevista del 23 de febrero en AM1610 Voces Latinas
Aquí se encuentra la entrevista del 23 de febrero de Antonio Guerrero con Silvia Mendez en radio AM1610 Voces Latinas.
Haz click en el logo para escuchar la entrevista grabada.
Saturday, March 26, 2011
Mastercard commercial
This is somewhat out of character, however this video caught our interest, because of the Spanish of course!
We sat mesmerized, not knowing what the commercial was for. We threw out a string of guesses, and were then surprised to see that it was for Mastercard!
For those who haven't seen this, check it out.
We sat mesmerized, not knowing what the commercial was for. We threw out a string of guesses, and were then surprised to see that it was for Mastercard!
For those who haven't seen this, check it out.
Wednesday, March 23, 2011
Tuesday, March 22, 2011
Taping for Now What? Rogers TV / Grabando para Now What? Rogers TV
Today, Antonio Guerrero had the pleasure of being interviewed by Martha Pinzón from the Rogers TV show Now What?.
He was invited to the show to briefly speak about divorce and alternatives to court proceedings.
The show will air in two weeks at which point we will upload the clip.
Hoy, Antonio Guerrero tuvo el privilegio de ser entrevistado por Martha Pinzón de Rogers TV del programa Now What?.
Fue invitado al programa para hablar en breve de los temas de divorcio y alternativas al proceso judicial.
El programa estará en el aire en dos semanas en cual momento cárgaremos la entrevista.
He was invited to the show to briefly speak about divorce and alternatives to court proceedings.
The show will air in two weeks at which point we will upload the clip.
Hoy, Antonio Guerrero tuvo el privilegio de ser entrevistado por Martha Pinzón de Rogers TV del programa Now What?.
Fue invitado al programa para hablar en breve de los temas de divorcio y alternativas al proceso judicial.
El programa estará en el aire en dos semanas en cual momento cárgaremos la entrevista.
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| Grabando para el programa Now What? |
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| Martha Pinzón y Antonio Guerrero |
Wednesday, February 16, 2011
Monday, February 7, 2011
New Mortgage Rules
Changes to the rules for mortgage lending received a lot of press in the past week. However, these changes won't affect most borrowers significantly.
The March 18, 2011 changes are really phase three of a gradual return to what I would call normal mortgage lending rules. In the “old days” - like 10 years ago - home buyers needed a minimum 10% down payment, they needed to pay for CMHC mortgage insurance in order to protect their lender if they had a down payment smaller than 25%, and they had to pay off the mortgage within 25 years. Even after the most recent changes, a home can be purchased with 5% down and paid for over 30 years. No wise person would amortize over more than 30 years, but you can still do that if you have made more than 20% as a down payment. If you are refinancing an existing home, you can still borrow up to 85% of its value, although down from the previous 90%. The third change – effective April 18, 2011 - is going to make lenders more cautious, because it removes the government insurance protection on home equity-backed lines of credit. These have been a fabulous business building tool for banks and credit unions, as well as a convenience for homeowners. This change simply means that the bank or credit union will have to be more careful to make sure you can repay them, because CMHC is no longer guaranteeing it.
as reported in The Viewpoint of the Clearsight Investment Program
The March 18, 2011 changes are really phase three of a gradual return to what I would call normal mortgage lending rules. In the “old days” - like 10 years ago - home buyers needed a minimum 10% down payment, they needed to pay for CMHC mortgage insurance in order to protect their lender if they had a down payment smaller than 25%, and they had to pay off the mortgage within 25 years. Even after the most recent changes, a home can be purchased with 5% down and paid for over 30 years. No wise person would amortize over more than 30 years, but you can still do that if you have made more than 20% as a down payment. If you are refinancing an existing home, you can still borrow up to 85% of its value, although down from the previous 90%. The third change – effective April 18, 2011 - is going to make lenders more cautious, because it removes the government insurance protection on home equity-backed lines of credit. These have been a fabulous business building tool for banks and credit unions, as well as a convenience for homeowners. This change simply means that the bank or credit union will have to be more careful to make sure you can repay them, because CMHC is no longer guaranteeing it.
as reported in The Viewpoint of the Clearsight Investment Program
Friday, February 4, 2011
Have you considered mediation?
Services are provided on-site at some family courts, otherwise sessions take place at the mediator's office.
Family mediation services are available to you to help you resolve child custody and access, child and spousal support, and division of property issues. Some family mediators can also help with child protection disputes, although these mediators require additional qualifications.
Contact Guerrero Law if you would like to find out more about mediation.
Family mediation services are available to you to help you resolve child custody and access, child and spousal support, and division of property issues. Some family mediators can also help with child protection disputes, although these mediators require additional qualifications.
Contact Guerrero Law if you would like to find out more about mediation.
Tuesday, January 18, 2011
¿Qué sabes de derecho familiar en Ontario?
Aquí encontrará mucha información para ayudarte con el tema de derecho de familia en nuestra provincia.
Tuesday, January 11, 2011
Monday, January 10, 2011
Friday, January 7, 2011
Sunday, December 26, 2010
Tuesday, December 21, 2010
Monday, December 20, 2010
C is for cookies and Christmas!
The cookie making season is upon us and Guerrero Law is not one to fall behind. The office will soon be full of plates of cookies to share with those around us. Why hog all the calories?!
Take a look at what's happening so far...
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| Baby Guerrero eating the apron instead of just wearing it. |
Can you guess what kind of cookies we're making?
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| The base of each one of our creations. |
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| We'll start with these as they are the easiest. |
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| Second will be these, but I think we'll have to make double the amount since they are gobbled up quickly! |
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| For now we'll only make 3 kinds so this will be the last. |
Cakes will follow another day. One can only handle so much baking (and sampling) in one day!
Saturday, December 18, 2010
Who said lawyers are boring?
A flash mob is defined by Wikipedia as "a large group of people who assemble suddenly in a public place, perform an unusual and pointless act for a brief time, then quickly disperse." And that’s exactly what happened on Wednesday, December 15, 2010 in downtown Toronto.
The 48 dancers have been practising for weeks! At first people didn’t know what to make of the sudden music and movement, but as more Blakes dancers put on their red baseball caps and joined in, people got into the spirit of the season and many onlookers started to dance too.
The Blakes articling students first performed their dance at the Firm’s office party in Toronto on December 2, 2010. It was such a success, they decided to spread the cheer and perform it for a second time in public.
"We just wanted to have some fun," said Kari Abrams, Director of Student Recruitment & Development at the law firm. "Everybody has been working so hard, it was really great to be part of something so creative and make people smile."
Click here to view the flash mob.
Wednesday, December 15, 2010
Families Will Benefit From Justice Improvements
December 9, 2010 9:30 AM
McGuinty Government Making Legal System More Affordable And Straightforward
Affordable, faster and less confrontational — that's the new direction for family law in Ontario.
By next summer, families across the province will have access to improved services through Ontario's courts.
Ontario is increasing access to justice by expanding valuable services to all court locations. Families will soon have access to:
- The Mandatory Information Program that offers more options for families experiencing breakdown and helps them learn about the effects of separation and divorce.
- The Family Mediation Service that helps families identify challenges and work out solutions outside the courtroom, which saves parents money.
- Information and Referral Coordinators who will refer families to community agencies that can help them resolve challenges earlier and at less cost.
The new approach to settling family disputes will help more Ontario families avoid the courtroom in favour of an early, affordable, out-of-court resolution.
This is part of the government's Open Ontario plan to make the family justice system more straightforward, focused and affordable, and to provide accessible and consistent family justice services for all Ontarians.
QUICK FACTS
- The Mandatory Information Program was piloted in Milton, Brampton and Toronto and will be available in 17 additional courts by April 2011 and the remainder of the courts by summer 2011.
- The Family Mediation Service and Information and Referral Coordinators are currently available in 17 Family Courts locations and will be made available in the remainder of Ontario's courts by summer 2011.
- Approximately 160,000 people use Ontario's family courts each year.
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