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Budgeting for the Holidays and Special Events

Big events and holidays can often mean big spending. A little pre-planning can help to ease and avoid financial pain.

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Big events and holidays can often mean big spending. A little pre-planning can help to ease and avoid financial pain. To the left are some worksheets that may be used when planning holiday or big event spending. In the meantime, here are some other tips for not overspending:

Set a Limit - Before any spending spree begins, make sure you know your limit. Set your cap a bit below as last minute expenses may arise. Did you account for mailing the gift? Gift wrap? The unexpected can creep on you before you know it! Also, take a look at how much you have spent in the past. Was it too much? What expenses surprised you? Asking questions like these will help you plan for the holidays and events to come.

Make a Gift List - Instead of hoping for something to catch your eye, keep a list of gift ideas. This way you will know what you are looking for and be able to better preplan the budget. This will also prevent buyers remorse - sometimes that gift that seemed like a great idea when you were in the store may not be so great when you sit down to gift wrap it.

Pay Cash - Credit cards are easy to use but not all of us are good at paying them off as soon as the bill comes. Taking cash helps you stick to your budget. Another alternative is the prepaid credit cards that you load with a limited amount in advance. Many also find these pre-paid credit cards a nice alternative to use for online purchases for extra credit protection.

Shop Early or Late - Depending on how far in advance you like, plan to shop either in advance of the holiday season or post-holiday season with the next year in mind. This will allow you to stick to a budget and not get caught up in last minute buys. It will also relieve a lot of the stress that comes with shopping during the busiest shopping days of the year!

Allow Time for Shipped Gifts - Plan ahead if you are shipping gifts to friends and relatives far away. Waiting until the last minute will mean more expensive postage to get gifts to the door on time.

Take Time to 'Comparison Shop' - Some of us get our list together and then just want to get it over and done with. Be patient, compare store prices and options before you go out to buy. This will help stretch that budget further.

Be Creative - Have fun with your gift ideas. Consider homemade or crafted gifts; however, don't forget the time involved making these items! Or make your own gift baskets - know a lot of chocolate lovers? Instead of buying a pre-made gift set - make your own basket of local chocolates or goodies.

Landscape Your Paradise

How to Select a Landscape Designer

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Both the front and back yards of our house offer a buffer between our home and the outside world. Often, especially in the case of backyards, they may be manipulated into a sanctuary outside, giving us a place to relax and enjoy the outdoors at home. Many weekend warriors find outdoor projects fun and rewarding challenges for their spring through fall months. However, sometimes an idea may be too grand or a space too oddly shaped for us to visualize how to put it all together. This is where a landscape designer** may be helpful. These professionals are the "exterior decorators" of the outdoors. They can help in a wide range of outdoor projects whether it be redesigning a whole yard or helping incorporate one feature into your greater masterpiece. They also have an extensive knowledge of plants that will help you find the right color and texture for your yard with a plant that will be happy in that area's light and soil conditions. Before hiring a landscape designer, you should first consider what you want to get out of your yard/project. After this you can begin interviewing different landscape designers to find one that will work with your ideas.

**Frequently today the terms landscaper, landscape designer, landscape architect, landscape contractor are used synonymously. For ease we have chosen to use landscape designer as a "Jack/Jill of all trades" in this article. Keep in mind that these professionals may use the different titles. Also, keep in mind that sometimes your project will require a team of landscape professionals as they may be more specialized. For example, you may hire one landscaper who does only pre-design of the project and hires out the labor to another contractor. Contents: Introduction

Part I: Determining Your Yard Project

One of the major hurdles to your landscape design or redesign will be deciding on what you want to change. Many times the change options can be overwhelming. However, if you concentrate on limitations and functionality of your living space, you will be better prepared to meet with a landscape designer. Here is a basic checklist of things to consider before contacting a landscape designer:

  • The most important first step you can take is to determine your budget. Be honest with yourself and set your limit in advance. Once you get started with a landscape designer it can be tempting to stretch your budget. Your landscape designer will appreciate knowing in advance what budget to work in, and your wallet will too!
  • **To save money, some do-it-yourself warriors may hire a landscape designer for only a plan and do all the physical work themselves. Many landscape designers will do this and include a list of plants and types of building materials for your reference. Knowing your budget in advance may help determine if this is the best option for you.
  • Next you will want to consider your time frame. How quickly do you want things done? Do you need things done by a certain time for an event such as a wedding? Or are you interested in a tackling one area at a time and can spread it out over months or even years? The latter may be considered by those who are interested in purchasing plans but may do most of the physical labor themselves.
  • Consider what will be the function of the landscaped space. Are you interested in a gathering place for entertaining guests; a play area for kids and pets; a private hideaway; or a garden for growing flowers and/or edibles? You may even be interested in a combination of more than one of these uses. Also, if you don't use your back or front yard much now, it may help to consider how a change to the space will make you use it more. Or if you are not interested in using it more, perhaps how a change to the design will help with self-maintenance.
  • After you have considered the function of your new space(s), you will want to consider any of the hardscapes. These are areas such as patios, decks, paths or anything else that may mean putting down cement, wood, pavers, etc. Knowing what you would like to use for some of these areas will help the landscape designer determine cost and possible layouts. There may also be the chance that the landscape designer will need to contract out some of this work and this effect the price and/or the timeline.
  • Think about any particular plants you want to either keep or incorporate into your yard. If you have a tree you want to protect or transplant this can effect design and cost. Or if you want more privacy you may want to consider the growth rate, height and coverage of a particular plant or plant type.

Part II: What to Look for in a Landscape Designer

After you have considered your budget, timeline, function, etc., you will be prepared to contact landscape designers and start to collect estimates. Like working with any other contractor, you should get at least three or more estimates and compare the landscapers available. Do research, review contracts and credentials and make certain you get all your questions answered. Many landscape design projects will not come cheap, so doing your homework will be worth your time and money. Here are a few things to look for when hiring a landscape designer:

  • You may want to start in locating a landscape designer by asking friends, family and neighbors who may have first hand knowledge of their work. You may also search the phone book or an online database. More and more you may find examples of their work posted on online websites which may help in your initial selection process as well. Finally, check with local nurseries in your area as they will more than likely know quite a few landscape designers (and they might be able to give some "reference" input as to their reputation as well)!
  • When you contact the landscape designer, ask them to come out to your home and view your yard first hand. This way they can get a good idea of the layout of your land and give a more accurate estimate. It is also helpful if you have a list of criteria, gathered during your pre-planning, to give them as a guide to follow.
  • It will also be beneficial to look at a couple of the projects they have done in the past. Preferably they will be projects similar to your project's size and style. Many landscape designers will have pictures available, however, if possible try to see a couple sights in person.
  • Like with any other contractor, you will want to get a bid before moving forward. Again, having a rough outline of what you want to see accomplished will help the bidding process.
  • Ask for references and call them! One of the common errors people make is that they ask for references but then never follow up. Granted, references are rarely dissatisfied customers. But their insight on how the whole project and process worked for them can be invaluable when working out any details for the contract.
  • Review licensing and insurance information. If the landscape designer and their crew will be working on your property, you want to make certain they are covered by their insurance. Also make certain they are going to apply for or help you apply for any needed permits. Any contractor that says, "You don't really need that." should be quickly shown the door!
  • Once you have decided on a landscape designer, get a written contract for the project. This should detail cost, payment agreement (never pay all in advance!), timeline, materials included, labor included and any warranties. Also, consider any changes to the timeline or cost in advance. How much of a delay is acceptable if the weather turns bad? Is there any leeway on material costs?
  • Know the details of any warranty - make sure to determine what is covered under warranty and for how long. What happens if plants die, the fountain breaks, etc.? Who do you contact if your fountain stops working after two years?
  • Detail any sub-contracted areas on your project. Who will be sub-contracted, what will they be expected to do and who will be in charge of resolving any questions if the work is not 100% satisfactory.
  • Consider the size of plants that will be included in the project. Many nursery plants will not see their potential size until later - sometimes years later. Consider if you want to pay more for a more mature sized plant or change the plant chosen due to its size and growth rate. Go over this carefully in advance with your landscape designer!

So your yard is perfect. You don't need anyone to change a thing or add anything new. But there is that little task of maintenance. Do you have the time to keep your eden in tip top shape? If not, you may want to consider hiring landscape maintenance. Here are some things to look for when hiring for landscape maintenance:

  • Before you call, make sure to consider exactly what you want to see done. Is it just weeding, mowing and raking? Or do you also need special maintenance for your pond or pool? Also consider a schedule. What tasks should be done on a weekly, monthly or seasonally basis?
  • Ask friends, family and neighbors for references. Check to see if there are already landscapers who come to your neighborhood. Also check with local nurseries. Check the yellow pages or online directories.
  • Get estimates! Have the landscaper come out and see your yard. Give them a list of the exact tasks you want to see done. This way they can better see the size and scope of the projects and give you a better estimate.
  • Ask for references and call them! Check on to see if they are punctual, neat, thorough and easy to work with. Find out if there is anything you should be more specific on in the contract to avoid any miscommunication.
  • Check for business licence and insurance. They will be working on your property, make sure they have their own insurance to cover any accidents.
  • Make sure they are aware of and respect local laws. Are they aware of watering restrictions, burn bans, etc.
  • If this will be a long term agreement, then make certain to get a written contract. Even for a one weekend job you may want to get a contract to make sure there are no questions about what is expected. As with any contract, the more details the better. Specify cost, payment, timelines, warranties and delays in service.
  • Discuss if there is any warranty on their work. If they are taking care of your coy pond and all the fish die, who is responsible?
  • Discuss the types of chemicals they may use on your yard. If you have children and pets playing in the yard there may be certain products you do not want used! Discuss the type of equipment they will use. Do they expect to use any of your equipment? Do they have equipment that is safe and properly running?
  • Keep in mind that working with a landscape maintenance crew can be a dynamic rather than static relationship. Make sure you continue to get good service and communication is open and easy. If at any time you feel you are not getting your moneys worth or being understood, it is time to end the contract. Don't just accept that this is "just how it is" or "they know better than I do." It is a business deal like any other and you should feel comfortable that you are getting the services you pay for.

Conclusion

It can be fun being the week-end warrior and master of your outdoor domain. However, sometimes the projects you have in mind for your front and/or back yard can be a bit overwhelming. Consider hiring a landscape designer for part or all of the project. You will learn some great design and technique ideas from them and save your back a bit too!

Charity 101

How to choose the best & avoid scams.

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Giving to others in need seems to be a natural impulse the world over. Many of us enjoy giving to causes, programs or research that we agree with and believe in; however, sometimes we are caught unaware and are asked to give by volunteers. We may love the idea of the cause but know little about the organization. Or we may like the idea, but prefer it were handled differently. So where do you go to find the best fitting charity and how do you determine if they are legitimate? Below we have compiled some things to consider when choosing a charity, such as when to give, how to avoid scams, and other ways to give to the community rather than a cash donation.

Before you Give

What Touches You? - It may sound simple (and it is) but one of the best gauges for which charity to choose should be what you are passionate about. What causes mean the most to you? What charities benefit research, education or programs you believe in? This should be your first consideration when choosing a charity. It will help narrow your choices and there is nothing better than having pride about the organization you choose. Who knows, that initial donation could lead to volunteering and becoming actively involved in something you really care about.

Take Control - Be proactive about the charities you choose to support. Don't wait for someone to come knocking at your door or spend money on reminders in the mail. Instead, take the first step by actively searching for charities that give to the causes you believe in. To begin your search, check out some of these sites: Charity Navigator | Guide Star | IRS Search

Money 101 - Find out where your donation goes and how it is spent. Most organizations offer easy charts and/or percentages detailing how much money goes to the cause, administration, events, publications, etc. Although you may like the ideas behind an organization, you may not agree with how they choose to spend the money. The only way to know is to check them out and if you can't find the information, practice our next point and ask questions!

Ask Questions - Don't be afraid to ask questions! Perhaps how they spend money on fundraising events is worded ambiguously to you. Or you are not certain if the funds will stay local or move nationally. Any questions you have are okay to ask. Sometimes people don't want to ask as they think they are pestering the volunteers and wasting their time - that is not the case! By thoroughly answering your questions, volunteers know they are ensuring your continued loyalty, confidence and support for their organization. If they don't want to answer, then consider someone else - there are plenty of charities to choose from.

Reputation - Find out about the charity's reputation. Have there been complaints about your charity? Are there accolades for your charity? Take some time to see what others are saying about the charity of your choice. Better Business Bureau | Charity Navigator

The Quick List - If you don't want to spend the time researching the charities out there, take a look at some of these lists to see how they are already ranked by organizations. American Institute of Philanthropy | Charity Navigator

When You Give

Dust Off the Checkbook - It is best to donate by check rather than cash or credit card. This way you can specify the money only goes to the organization. Always write the check - don't give any information directly to your bank account. Credit card is okay online if you really know the source is reliable. But be very cautious!

Guard Your Information - As with your bank account information, keep most of your information private. As you will read in the 'Signs of a Scam' section below, caution is unfortunately the best practice when donating money.

Ask if Your Gift is Tax Deductable - Not all charities actually count as a tax deductable donation. Although we realize this is not usually the impetuous behind giving to a charity, it is something to keep in mind if you do plan to claim it on your taxes - especially if it is a sizable donation. The charities won't be offended, just ask.

Get a Receipt - Even if your donation is not tax deductable, get a receipt. This will help you track your records and if you are ever unfortunately caught in a scam, it might help in developing a case against the criminal.

Think Ahead - Consider giving to the charities of your choice once a year or up to a certain amount every year. This will make it easier to choose a charity that you know rather than off the cuff impulse. Also, it will make it that much easier to say no to those who solicit your donations if you know you have already given as much as you want/can for the year.

Signs of a Scam

Appearance is Not Enough - Charity scams can be everything from a person with a jar asking for a particular cause to elaborate schemes that include personnel, office space, logos and image branding - all the signals of a legitimate operation. Thus, we say it again, it is important to do your homework before you give.

Know the Name - Many charity scams are set up using names very similar to bigger and better moderated charities. Be careful and take the time to double check that the organization you are donating to is the one you are really thinking of.

The Copycat - Unfortunately, even knowing the correct name of the charity may not be enough. Some scammers (especially in person) will claim to be from an organization they are not. The best option is to check with the charity to see if they are running a drive in your area before you donate.

Opportunity Knocks - The primary means for charity scams to get your money is by approaching you in person (i.e. at the grocery stores or going door to door), spam emails, and even telemarketing. To be safe, take the information about the charity down but wait to give until you have had a chance to check them out. If they turn on the high pressure "sale" when you mention researching them more, simply walk away. Instead, a legitimate charity will be happy to give you the information about their organization and where to find out more. As for emails, donating to unsolicited emails is never a good idea. Email is only a good option if it is from an organization with which you already have a relationship (usually a reminder to come donate again) or someone you personally know (i.e. participant fundraising for a benefit walk/run/etc.).

Too Much Pressure - Yes we just wrote it above, but it is worth mentioning again - high pressure "sales" from charities is a huge no-no. If they turn up the sob story, guilt trip, or state the need is now or never - be wary and just walk away. Most legitimate charities avoid high pressure tactics and have guidelines for volunteers against such tactics as they are just as glad to have raised the awareness if not always the cash.

Registration Please - It is good practice to ask a charity if it is registered and has a registration number. You can then use this number to look it up with the Better Business Bureau.

Misery Loves Company - Be very careful when giving after a large natural disaster or another event which rocks the community. At these times it is usually best to give through charities that have a standing reputation for helping. But again, make sure to check the name is not a quasi copycat. Be careful how you give the money - even when memorial charities are set up for a local family, you can donate through a bank with an established trust. Try not to let the headlines in the news sway you to give to the wrong person!

Allocation of Funds - Although this is not necessarily a scam item, some donators feel scammed when they find out so little of their money actually goes to the cause of their choice. To avoid this, research the charity to see how they allocate their funds. As we stated above, every charity is different in how it will choose allocate the funds raised. Some charities have high administrative costs and use fundraising to pay staff salaries. Others spend a great deal on advertising campaigns. Although neither is illegal, you may want to see if you agree with the amounts spent. You can find details on the individual charity websites or directories, such as Charity Navigator and Guide Star.

And the Winner Is - Another scam to look out for is the offer of a entry for a prize with your donation. This can usually be related to a scam, but also some legitimate organizations use this tactic. In this instance you may want to consider how much of your donation is going to fundraising gimmicks rather than to the cause at hand.

Other Ways to Give

Your Time is Worth Money - Don't have a lot of cash to give? A little of your time can help just as much or even more for some charities. Many organizations need voluntary workers to make their goals a reality. Most Americans consider donating around November and December when the image of helping out the local soup kitchen is etched in our minds. However, many organizations need help the rest of the year. Contact the charity you are passionate about and ask when you can be the most helpful. Have time but don't know where to participate? Try some sites like these to find volunteer opportunities in your area. Many of these sites let you search by interest - if volunteers get to share the love of one of their hobbies they are more likely to enjoy the experience and spend more time helping. www.idealist.org | www.volunteermatch.org | www.1-800-volunteer.org | www.getinvolved.gov

Take a Volunteer Vacation - Some college students have made headlines by taking volunteer vacations during spring break instead of heading to a party hot spot. But these vacations are not just for college students! Many seasoned travelers find these vacations a great way to learn more intimately about other cultures and give a little back in the process. Whether your passion is people, the environment, culture, language, or all the above, this might be the next vacation for you. www.globalvolunteers.org | www.volunteerabroad.com | www.globeaware.org | www.earthwatch.org

Play on the Web - Some online stores and searches will donate to charities if you use their interface. So why not take them up on the free offer? Do Great Good | The Hunger, Breast Cancer, Child Health, Literacy, Rainforest & Animal Rescue Sites | www.searchkindly.org

Consider Giving a Loan - A different way of 'giving' may be to actually lend capitol to the working poor. A new idea in micro financing gives funds to poor families who need a small loan to make their business ideas work. Loans can be as low as $25 and are actually paid back (unlike email schemes). The forerunner in this area is Kiva.org who started in 2005 primarily connecting lenders with 3rd world entrepreneurs. To find out more, visit their website www.kiva.org. This year, Kiva partnered with ACCION USA and the Opportunity Fund to offer micro loans here in the United States as well. For more on this option, please visit www.accionusa.org or www.opportunityfund.org.

SELLING YOUR HOME? USE THESE TIPS!

Increase The Curb Appeal Of Any House.

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Clean up the outside.

  • Curb appeal is the first impression of your house. Keeping the grass cut and the area tidy will help make a great first impression.
  • Paint or wash the exterior of the house (including window casings, shutters, and doors).
  • Wash the windows inside and out.
  • Check the gutters and chimney.

Increase The Curb Appeal Of Any House. Simple, low-cost curb appeal and house makeover improvements that anyone can do in a weekend. Or, there are many landscaping companies that can help with the job if time is an issue.

Touch up the interior.

  • Put a fresh coat of paint in the most used areas of the home. This will clean as well as brighten up the rooms.
  • Wash the walls where paint is not appropriate (i.e. wall paper, paneling).
  • Wash all floors and bathroom tiles.
  • Shampoo dirty carpets.
  • Get rid of clutter. Clean out your closets, garage, basement, and attic. Use shelf storage if necessary.
  • Replace air filters to help keep the dust down.

Replace bathroom and kitchen fixtures that are worn or leaking.

  • People will notice a leaking or worn-out faucet. By replacing these items, you will give a new look to the room.
  • Clean under the sinks. If there are any leaks, fix them. Then clean up the damage using contact paper or paint.

Home Improvement Contractor. Find and research local contractors, and get free no obligation quotes on your home improvement projects.

Get rid of any bad smells in your home.

  • Pay attention to pet or cigarette odors.
  • Place scented potpourri around the house.
  • On the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls, home-made bread, or an apple pie into the oven for a great aroma.

How to Become a Home Inspector

Home inspectors must have a good knowledge of homes, and drive to learn more.

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Owning a home is a popular investment. As with any investment the buyer wants to be certain there are no problems with the home. It is also beneficial to be aware in advance of any flaws that may need to be corrected. Thus enters the profession of home inspection. Home inspectors are usually hired by the home buyer, realtor or mortgage brokers to review the home to be purchased. They are asked to do a thorough check of the indoor and outdoor condition of the home. This invaluable home check is a type ofinsurance for the home buyer and money lender. They gain detailed information about the quality and condition of their investment. So how does one become a home inspector? Home inspection is an involved career that requires self motivation, great people skills and small business acumen. If you ever wondered how to become a home inspector then read on and review the links provided for a quick guide to this growing career. Part I: What It Takes There are many skills one must have to be a home inspector. Some may assume that one need only a knowledge of homes and home repair andmaintenance to work in this field. Home inspection requires a great deal more. It is true, home inspectors must have a good knowledge of homes but they must also have the drive to learn more if they want to have the most up-to-date information for their clients. Home inspectors must also be very good with people. Home inspection requires a great deal of customer service. They should expect daily interaction with clients, realtors, lenders, and even other inspectors. Finally, home inspection is most often a small business. Home inspectors are either starting their own small business or joining another small business in the area. Each of these skills deserve a closer look and further explanation. But first, it will help to map out a typical day in the life of a home inspector. A typical day for a home inspector does not follow the an 8 to 5 schedule. Instead home inspections may take place after normal work hours and even on the weekends. It usually depends on what works best for the client. When scheduling an inspection, most home inspectors encourage the client to be present at the time of the inspection so that they may follow the inspector through the process. This is especially the case when the client is the home buyer. On the scheduled day, after a short introduction with the clients, the inspector begins to assess the home. As the inspector reviews and takes notes, they also point out good and questionable details to the client. Because the client is with them during the inspection they may ask questions and get clarification about what may be done to fix problems or how to adopt better preventive maintenance. Home inspectors always prepare a report for the client and will often remind them that whatever they point out during the review will be in more detail in the report later. A good inspector will do all the easily accessible indoor and outdoor inspection with the clients. After this they usually inspect the roof, attic, under the house and other hard to reach places on their own. Once the inspection is over the inspector will wrap up with the clients and arrange to send them or their realtor the final report. Nowadays, most inspectors take their notes and enter them into computer programs to give good, detailed reports to their clients within in 24-48 hours. This quick turn around time is important as an offer for a home may be waiting for the results of the inspection to close. After this inspection the inspector may not have time to run back to the office or run the notes through on the laptop; thus it is imperative they took good notes. Instead they may leave one inspection directly for another. At the end of the day they may finally get the chance to sit down, review notes and polish final reports. So what does the inspector review and place in the report? Home inspection is a thorough review of a home. It requires knowledge of homes and home maintenance and repair. Usually those entering the home inspection field either have a background as a home professional, i.e. contractor, plumber, electrician, or they are already a good all around handyman, i.e. their relatives actually trust their help on home repairs! But to become a home inspector they must continue their education and round out their knowledge of the home. The areas they will investigate (and therefore must have knowledge of) include: Foundation: i.e. spotting structural defects and damage Plumbing: i.e. pipes, fixtures and corrosion Electrical: i.e. grounding, fuses and breakers Roofing: i.e. roofing materials, draining systems and detecting leaks Equipment: i.e. stoves, furnaces, and air conditioners Interior: i.e. cabinets, fire places, and doors & windows Exterior: i.e. patio, decks, driveway and walkways The above list is only a brief review but illustrates the broad range of knowledge the home inspector must have. To inspect all of these items they must be a sort of jack-of-all-trades. The home inspector must be able to review the construction and wear on a home with a critical eye. They must understand enough to be a little bit of everyone: plumber, electrician, carpenter, maintenance mechanic, roofer, contractor and mason; to name a few. Having the knowledge is the first step, being able communicate that knowledge to clients is another necessity for home inspectors. One must be a "people person" and a great communicator to enter the home inspection business. Home inspectors work with a diverse clientele. Most of the clients are home buyers, and as homes vary in price and personality, so do the people buying them. Many times the clients accompany the home inspector through the review of the home. During the inspection, the home inspector gives initial impressions of the state of the home. The clients often have questions and want further explanations. Inspectors should expect this and be patient when clarifying their information. A rapport with the client also makes the long process, usually over an hour, go by more quickly. And although the inspector knows their stuff, they will also want their relaxed personality to convey this to the client who may be anxious about their potential home. Besides the home buyer, home inspectors will also work with realtors and home sellers. Here they face the pressures of pleasing their client with their professionalism but not holding back when their critical eye may see something the seller did not expect. This may be harder customer service as it is never an easy task to tell the client bad news. Finally, home inspectors may work with other professionals such as lawyers. A knowledgeable home inspector may include expert witness testimony as a service to the professional community. But opportunities as an expert witness only come to those who can communicate their knowledge clearly. Being a good communicator and a "people person" will help the home inspector in this predominantly small business field. Most home inspection businesses are small companies run by an individual or a small group of individuals. The flexible hours and little overhead make this an ideal small business to start. If one individual wants to set up their small business, most states make this easy to accomplish. However, many states do have regulations for home inspectors to follow (see links listed below for detailed information for your state). The benefits of the small business, setting your own schedule, determining your pay, etc. also come with a cost. The small business owner must be self motivated. There are times when the work day will easily stretch past the 8 hour norm. Small business owners must be willing to promote themselves and get their name out there. The small business owner is their own boss, marketing manager, project planner, secretary, and sometimes accountant. If a home inspector joins a firm, these are generally small businesses as well. Here staff may not do everything, however, as in all small businesses, it works best when everyone is willing to do a little more than their usual workload for the well being of the company. The perks of these smaller business groups is that they often have their employees best interests at heart and will work hard to make a good working environment for everyone. Small business has a different culture than most jobs and the home inspecting profession fits well into this group; anyone interested in the home inspection trade should be aware of everything a small business has to offer. Home inspection is an involved career. It has variable workdays with new people and places every day. Home inspectors are interested in learning about homes and all their components. They take time to learn the details and are patient when sharing and explaining that information with clients. Home inspectors can work with a diverse audience and may even have the communication skills to be an expert witness. They are self motivated small business owners and/or members. To them, the benefits and rewards are greater than any of the challenges a small business may offer. All these traits together are the basic skills one needs to be a home inspector. Now, how does one get the well-rounded education and connections they need to start? Check out Part II of our article to find out Where to Start. Part II: Where to Start A career as a home inspector is sounding like the perfect fit for your lifestyle and business preference. You are handy around the house or already have some education in one of the home professional fields. To you, homes are a playground with all kinds of potential. But now where do you go? To become a home inspector you will want to start with classes. After taking a class there are many home inspection associations out there to join. Finally, you will want to decide if you want to start your own business or if you want to join a firm in your area. Then you will be ready to tackle your first client! But first, where do you go to learn the home inspection trade? There are many associations and companies that offer home inspector training. Most have correspondence courses by video/mail or Internet. These classes vary, but sites that do list cost show average prices over $1000 for a complete course. Many of these groups also offer smaller programs to learn or review specific areas of home inspection. These are useful to those with some starting background or home inspectors already in the field that want to increase their specific knowledge. Specialized courses for home inspectors already in the field may be used as continuing education credits which is required by most organizations. These continuing education courses also help inspectors expand their services. For example some inspectors may choose to include commercial inspections or learn more about becoming an expert witness (to learn more about continuing education see our links below). Some organizations do have in person classes available, depending on location. Many of these classes are geared towards the adult learner who may be working around another full time job. Most of these training programs come with a comprehensive test and more information about state specific rules. Another great benefit about a lot of these programs is that they include small business and general customer service overviews. Students learn how to start and promote their business. Often, information for creating professional relationships with realtors and others in the real estate business are included. This may prove to be extremely helpful to those starting home inspection as their own small business. Finally, these programs often demystify the process of writing clear reports for clients. They may also cover the various types of software and tools available to the home inspector writing reports. These classes are great in training future home inspectors about how to inspect, where to find clients, how to set up the business and what tools are available to make their trade easier. With the class taken and exams passed, the home inspector will want to look at joining a professional organization. Home Inspection associations offer membership benefits to those in the career. To join, home inspectors must usually show some competence in the field. They may either do this by providing their state license (if their state requires it) and/or taking an exam. Most associations do have a means of reviewing the inspectors that join (see our list of membership links below). Home inspectors must adhere to the 'Standards of Practice' for the organization. By providing clear guidelines to follow, these associations protect the home inspector, consumer and the profession. Many consumers are looking for home inspectors that belong to one or more organizations because the high standards these groups expect for their members. In this way, membership may be used as a positive advertising tool. Once a member, it is usually required that inspectors keep their knowledge updated through continuing education. Most associations offer continuing education classes and seminars for their members. Besides educational opportunities, these organizations also offer newsletters, discussion forums, example cases and other materials to aid the home inspector. Finally, many associations have local chapters. Through these local groups home inspectors may connect with others in the profession. Some associations offer mentorship programs through local chapters as well. Thus, home inspector associations offer training, professional guidelines, aids, and local connections. Home inspection is traditionally a small business and it is up to the inspector as to how much of the business they want to control alone. To start a one person small business is possible for the home inspection career. However, this takes self discipline and direction. There are also requirements and rules that must be followed in each state. Contacting the local Better Business Bureau is a good start. But also a small business class or contacting a lawyer will help clarify the paperwork and process of starting a small business. Another option is to buy into a home inspection franchise (see business aid links for examples).After they have a good foothold, some home inspectors may hire a small staff that can help with scheduling, reporting and bookkeeping. As the business grows the home inspector may start a small firm and hire on other inspectors. Some inspectors prefer to start with a firm already in place. These smaller groups offer guidance and mentorship for those new to home inspection. When set up as a company, they may also offer the individual legal protection under the business name rather then having their own personal name at risk. Traditionally a small business, it is up to the home inspector to find what kind of small business works best for them. Once an interest is established the road to becoming a home inspector is clear. One must first educate themselves about running home checks, writing reports, and working with clients. Joining a home inspection association will help further the home inspectors education, resources and connections. One of the toughest choices for the new home inspector would be if they want to start under the guidance of another in a small firm or if they want to start out on their own. Once these steps are taken the home inspector may take on the first clients and begin their career. Conclusion A home inspector is a well rounded individual who is both flexible and knowledgeable. They are jack-of-all-trades around the house and are dedicated to continuing their education to know the latest about their field. Home Inspectors are great communicators and enjoy working with various people in a job that changes daily. They have the dedication and interest in working in a small business. After testing their knowledge, they usually join an association with a good 'Standards of Practice' they agree to follow. The 'Standards of Practice' provides clear guidelines to follow, thus protecting the home inspector, consumer and the profession. The finally decision of the home inspector will be if they want to start their own small business or join another firm already started in their area. Whichever they choose they enter it understanding the great benefits and hardships of a small business. Home inspection is fast growing career with many benefits and challenges. If contemplating the career, take some time to look over the links provided for Training, Membership Information, State Regulations, Continuing Education, Small Business Aid. Home Inspection Training Allied Home Inspection www.homeinspectioncourse.com The course is available online or through traditional correspondence. The textbook used in Allied's course is one of the most comprehensive texts available. It covers the inspection process from start to finish (including quizzes at the end of each chapter, an inspection checklist for each topic and a glossary). This book can be used as an inspector's guide in the field. In addition, Allied's course provides supplemental reading which will reveal dozens of special techniques used by professional home inspectors, what they look for and the inspection methods they use. Allied's Home Inspection Course has 13 comprehensive lessons which provide "hands on" instruction. ASHI School of Home Inspection www.ashi.org/inspectors/training.asp ASHI [American Society of Home Inspectors] has created several educational opportunities for prospective home inspectors to learn about the profession and gain the skills and knowledge necessary to become a competent home inspector. Depending on your learning style and preference, you can take courses from the convenience of your home, your local community college or through one of ASHI's endorsed independent training schools throughout the United States. Certified Inspection Training, Inc. www.certifiedinspectiontraining.com Certified Inspection Training, Inc, successfully teaches people how to become home inspectors and just as importantly, how to set up and run their own home inspection business. Classes include: a stand alone Home Study Course, a 3-Day Course combined with the Home Study Course, a one day Structural Pests and Dry Rot Class and a Home Study Pests and Dry Rot Course. The class training is professional and intensive, with study both in the classroom and most importantly, in the field with hands-on practice. HE - A Better School of Building Inspection www.hometraining.com HE - A Better School of Building Inspection (a leader in home inspection training materials) has trained hundreds of home inspectors across North America with home study, live instruction, a combination of both, and advanced coursework on commercial inspections and new construction inspections. We are nationally recognized and affiliates of ASHI, NAHI, FABI, and CREIA. Our training is also accepted in many of the states which currently require licensing or continuing education of home inspectors. Our coursework is also approved by Allen Insurance Group and FREA (home inspector errors and omissions insurers) as an approved training affiliate. Come visit our site to learn more about our videos, live instruction, inspection report disks, tools, etc. Also, check out our Weekly Internet Specials. Home Inspection Institute of America www.inspecthomes.com The Home Inspection Institute of America provides expert home inspection training courses, home inspection certification, home inspection continuing education, top-notch inspection products, and a wealth of information for home inspectors and home buyers. Inspection Support Services Inc. www.inspectsupport.com/courses.htm Inspection Support Services offers the following courses along with other home inspection training courses and and a number seminars including Defect Recognition and Report Writing for both residential and light commercial properties. For further information contact us with your training needs - we will be glad to help you! InspectAmerica Engineering, P.C. www.inspectamerica.com/Home_Inspector_Training/ InspectAmerica Engineering, P.C. offers a home inspector training program for persons interested in entering the home inspection business, as well as for home inspectors who are interested in improving their home inspection service skills and receiving feedback on their home inspection techniques. Home inspector training is also available for persons with a casual or related interest, such as real estate agents, appraisers, mortgage lenders, real estate attorneys, etc., who are interested in learning more about the home inspection business. Our home inspector program can help make you more knowledgeable and proficient in your own business. Our program is also available to home owners who want to know more about the ins and outs of their home. ________________________________ Click here for more links on Continuing Education for Home Inspectors. ________________________________ Inspection Training Associates www.home-inspect.com ITA offers the most complete home inspection training available, with licensed home inspection schools nationwide. Our specialty inspection classes offer specific training on the largest variety of inspection topics. In 1987, ITA founded North America’s first licensed home inspection school, and today we continue to help thousands of people create successful home inspection businesses. ITA has more experience than any other home inspection training school and is backed by Kaplan Professional Schools, one of the world's largest providers of career education. Our instructors are the voices and experts of the profession – many have served as past or present officers of the leading professional associations in the industry. NACHI's Inspector University www.nachi.org/education.htm NACHI [National Association of Certified Home Inspectors] Education today launched the first part of its on-line home inspector education program. The initial published course concentrates on the NACHI Standards of Practice and how they should implemented. There are several non-scoring quizzes built into the system which allow the student to evaluate their understanding of the material presented. Many of the questions written for this course have been added to the SOP exam database, which is the final exam for this course (its completion is an existing membership requirement). National Institute of Building Inspectors® www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. Professional Home Inspection Institute www.homeinspectionschool.biz At PHII we have devoted our efforts into creating the best at-home course in the nation. Rather than give you thick books full of information you don't need, or endless hours of video tapes with no interaction, we provide an easy-to-master, interactive course you can complete in just a few weeks with the help of your home computer! We also offer a variety of additional hands-on training opportunities to give new inspectors the experience they need. Professional Inspection Training Institute www.homeinspectiontraining.net We understand that choosing the right Home Inspection school is an important decision. We want to assist you in making a decision that will meet your personal and financial goals. At the Professional Inspection Training Institute, we provide the training that you need to learn the "hottest" growth profession of the decade - home inspection. Our advanced Home Inspection Training is designed to give you in-depth knowledge on current Home Inspection practices, while our hands-on technical instruction will acquaint you with building systems and construction. Cash in on the growing demand for Professional Home Inspectors by training with the Industry Leaders! Thompson Education Direct www.educationdirect.com/inspector/ There are certain skills you need to begin a career in home inspection. The Education Direct Home Inspector training program helps you develop them quickly and conveniently. You’ll learn about: Construction methods; Inspection standards and building codes and regulations; Interior and exterior inspections; Inspecting electric, heating, air conditioning, and plumbing systems; Starting your own Home Inspection business. And you’ll learn it all at home – no classroom needed! This Education Direct distance learning program is like having your own personal Home Inspector school! More Links Home Inspection Membership American Association of Home Inspectors www.aahi.com The American Association of Home Inspectors Inc. is a professional membership organization of "Certified Home Inspectors"TM nationwide. AAHITM was organized in 1989 by the American Institute of Home Inspectors, who has been training home inspectors since 1981. AAHITM is the only National Association that certifies Home Inspectors using a Certification Mark granted by the United States Patent and Trademark Office (Reg. No. 1,662,100) in 1991. The Certification Mark is to be used to certify certain person or persons that have met the education and/or experience criteria as set forth by AAHITM . Current members of AAHITM are granted the right to use this Registered Certification Mark. AAHITM is the Nation’s leading Home Inspectors Association and is not controlled by a group of selected inspectors and does not require sponsorship or approval by your competition for membership. AAHITM has members in 48 states, Canada and Puerto Rico. American Society of Home Inspectors www.ashi.org The American Society of Home Inspectors (ASHI) Web site is your most valuable source of information about home inspection. Home buyers, sellers, real estate professionals and home inspectors alike recognize our resources, educational programs, our Standards and Ethics and our newest program, the ASHI Experience as models of professionalism and superior customer service. We welcome you and invite you to join us in shaping the future of the home inspection profession. For 28 years, ASHI has provided home inspectors with the best in education, resources and professional networking opportunities. Increase your chances of success and join ASHI today. Foundation of Real Estate Appraisers www.frea.com The Foundation of Real Estate Appraisers (FREA) was founded in 1991 to fill a gap in the market for appraiser continuing education. At the time, obtaining education was expensive and difficult. It involved earning a designation that required thousands of dollars in classes from an association, and years of subservient service to someone who was already designated. FREA began offering continuing education classes in the San Diego area and within a few months had more than 150 instructors teaching classes all over the country. In 1996 FREA created a home inspection division, offering the same benefits to home inspectors as they had been offering to appraisers, including low cost E&O insurance. Due to the large numbers of members, FREA has substantial buying power with insurance companies, helping to keep the program strong while other insurance providers have fallen by the wayside. Housing Inspection Foundation http://iami.org/hif.htm The Housing Inspection Foundation (HIF) is an organization of professionals dedicated to the promotion and development of Home Inspection. The Housing Inspection Foundation was created to provide members with Information, Education, Standards, Ethics, and Professional Recognition. The Home Inspection industry is the fastest growing profession today. This creates new opportunities for those who are involved in the real estate, construction or environmental fields that are willing to learn how to perform this vital services, including Home Inspectors, Building Inspectors, Real Estate Professionals, Construction Inspectors, Remodeling Contractors, etc. National Academy of Building Inspection Engineers www.nabie.org National Academy of Building Inspection Engineers, a chartered affinity group of the National Society of Professional Engineers. Since 1989, the National Academy of Building Inspection Engineers has worked to establish the highest standards for the building and home inspection industry and to verify the qualifications of individuals offering these services. As an organization, NABIE strives to protect the integrity of the home and building inspection industry, and thus, the general public. We review legislation, examine court cases, and monitor relevant government activities in all states. We interface with affiliated real estate associations and commissions, state engineering boards and other standard setting organizations. National Association of Certified Home Inspectors www.nachi.org The National Association of Certified Home Inspectors (NACHI) is the world's largest, most elite non-profit inspection association. Our home buying clients enjoy the HI Experience™ only NACHI Certified Inspectors can provide. Our inspectors have all successfully passed NACHI's Inspector Examination, taken a Standards of Practice Quiz, completed a Code of Ethics Course, adhere to Standards of Practice, abide by a Code of Ethics, attend required continuing education courses, and are NACHI Certified. NACHI...the very best home inspectors. National Association of Home Inspectors, Inc. www.nahi.org The National Association of Home Inspectors, Inc. (NAHI) was established in 1987 as a nonprofit association to promote and develop the home inspection industry. The mission of the National Association of Home Inspectors is to promote excellence and professionalism in the Home Inspection industry; to provide a standards of practice and a code of ethics; to educate its members; and to inform the public of the benefits and scope of a professional home inspection. NAHI now has over 1900 members in 49 U.S. states and Canada. By working together to develop and maintain standards of excellence, NAHI members benefit from professional development and the exchange of ideas through continuing education and seminars. Information and support are available for members regarding their business and inspection practices and service to their clients. NAHI's promotional activities educate the public and promote the importance of a reputable home inspection as an integral part of the residential real estate transaction. A national referral service helps consumers find facts about the industry and NAHI standards, and unites NAHI members with new clients. National Institute of Building Inspectors www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. NIBI offers conventional Classroom Courses at its dedicated Training Center and distance learning programs through its Online Campus. Both educational programs have been approved by the major home inspection associations and many states as meeting the requirements for membership, licensing, and/or continuing education. NIBI Certified Inspectors are required to not only complete educational courses and field training work, but must also participate in a yearly re-certification program. Being NIBI Certified is indeed the mark of home inspection professionalism! When home buyers are ready to make that home buying decision, they should insist on a Certified NIBI Inspector for their home inspection, and buy with confidence. Organization of Real Estate Professionals www.orep.org OREP specializes in placing errors and omissions insurance for real estate appraisers, home inspectors, real estate agents/brokers, mortgage field service professionals, mortgage brokers and others. OREP offers the lowest rates on appraiser's insurance with same day coverage & confirmation (most cases). Society of Professional Real Estate Inspectors www.sprei.org The Society of Professional Real Estate Inspectors is a national educational organization dedicated to providing the highest level of educational achievement for home/building inspectors. Anyone who is interested in improving his or her skills as an inspector is welcomed to join the Society of Professional Real Estate Inspectors. SPREI does not require past experience or background in the inspection profession. All that is required in becoming a member is a willingness to apply ones self to self-education. By simply filling out the application form and submitting the low annual fee, you will start yourself on the way to becoming an educated and informed real estate inspector. STATE SPECIFIC Arkansas Association of Real Estate Inspectors www.ark-homeinspectors.com The Arkansas Association of Real Estate Inspectors (AAREI) is an Arkansas-wide association of professional Home Inspectors. It was founded in 1992 to: Provide a forum for home inspectors to exchange experiences and to enhance the technical knowledge of its members. Promote excellence in the Home Inspection industry in Arkansas. Provide a source of information about home inspection services for the home buying public. To maintain awareness of the laws and regulations which affect the home inspection industry in Arkansas. California Real Estate Inspection Association www.creia.org The California Real Estate Inspection Association (CREIA) is a voluntary, nonprofit public-benefit organization of real estate inspectors. Founded in 1976, CREIA provides education, training and support services to its members and the real estate community. CREIA's Code of Ethics and Standards of Practice are recognized by the California Business and Professions Codes and are considered the standard of care by the real estate industry and legal profession in the state. CREIA Inspector Members have successfully passed a comprehensive written examination on the myriad of systems and components in the construction and maintenance of residential dwellings. CREIA's educational mission is to expand the technical knowledge of its members through continuing education. Inspector members must complete a minimum 30 hours of continuing education annually. Educational credits are obtained through monthly chapter educational meetings, chapter toolbox seminars, CAMP, state conferences in the spring and fall, and other CREIA approved sources. CREIA membership activities and programs encourage the sharing of experience and knowledge resulting in betterment of the real estate profession and the consumer public, which it serves. Connecticut Association of Home Inspectors www.ct-inspectors.com CAHI is the largest independent home inspector organization in the state. View our "members" directory above to find the most extensive list of licensed home inspectors in Connecticut. CAHI provides top quality monthly and special continuing educational seminars that meet the minimum requirements as set forth by the CT. Home Inspection Licensing Board. Our seminars provide inspectors with information about techniques and components from the past and present including new innovations and technologies that may be found in homes today. CAHI's mission is to educate the home inspector with valuable and pertinent information, the tools that will make them the best home inspectors in the marketplace. Florida Association of Building Inspectors, Inc. www.fabi.org Florida Association of Building Inspectors, Inc. has promoted professionalism in the industry through qualifying their members to assure the public’s confidence. Applicants to FABI must pass a written examination, have their inspection report reviewed and show proof of a required number of inspections in order to qualify for membership. They must also adhere to FABI’s Standards of Practice, Code of Ethics and earn continuing education credits by attending regular seminars/workshops to maintain their membership and keep their proficiencies current. Through its growing membership, FABI maintains an active Ethics Committee to ensure compliance of the Association’s ethical, moral and industry standards. Georgia Association of Home Inspectors www.gahi.com GAHI has promoted higher standards for professional home inspectors since its inception in 1989. Since the State of Georgia does not license home inspectors, GAHI’s membership requirements, the most stringent in the country, fill this void. The organization requires all members to be certified in the One & Two Family Code (IRC / CABO), carry the appropriate level of insurance and posses a business license. Not only does this better equip the home inspector to conduct new construction inspections, but it also sharpens skills for inspecting existing homes. Kentucky Real Estate Inspection Association, Inc. www.kreia.org The Kentucky Real Estate Inspection Association, Inc. (KREIA) was formed in 1992. Its purpose is to promote excellence within the real estate inspection industry by providing and promoting the following: Promote Customer Service through our Standards of Practice and Code of Ethics. Promote and maintain high standards of conduct for its members. Provide its members with education and training opportunities to enhance their professionalism. Provide and promote the KREIA Certification Program to and for our members. Maryland Association of Home Inspectors www.mdahi.org Our goal is to provide you with useful information about our organization that we hope makes it easier for you to do business with our members. Maryland Association of Home Inspectors has been serving the Real Estate community since 1995. We specialize providing a source of the best qualified and reputable Maryland home inspectors. At this site, you will discover what area each member provide home inspection services, and to contact them. Minnesota Society of Housing Inspectors http://mshi.org Since 1979, the Minnesota Society of Housing Inspectors has set a high Standard of Excellence within the inspection industry. Membership in this not-for-profit society of private, licensed, fee-paid home inspectors encourages continuing education and improvement of performance. MSHI is the only Minnesota organization that offers its members continuing education on a monthly basis. Nevada Association of Certified Real Estate Inspectors www.nacrei.org The Nevada Association of Certified Real Estate Inspectors is an organization formed for and by the Certified Real Estate Inspectors of Nevada. Representing the Certified Inspectors of Structures in Nevada and boasting membership of over 50% of the active inspectors in Northern Nevada, NACREI has been recognized to be a viable source of information and training for inspectors as well as a voice to the Division of Real Estate in Nevada. Working with the various entities involved in the legislative process and other areas we have been successful in maintaining our mission statement of Promoting the Professionalism, Integrity, and Qualifications of Professional Home Inspectors in the State of Nevada, as well as becoming, as State of Nevada Certified Inspectors, an important party in the transaction of Real Estate. With membership being open to all State of Nevada Certified Inspectors of Structures, NACREI invites you to join the ranks of our organization and share the success of our labors, as have the others in our membership. Associate memberships are available as well. Southern Nevada Association of Professional Property Inspectors www.snappi.org SNAPPI is a non-profit organization dedicated to providing educational opportunities for its inspector/members and working to inform and educate the public about the benefits of home inspections. We also work with our state officials to reform state law and administrative codes to reflect changing market conditions, industry trends and the needs of our clients, the home buyer. New York State Association Of Home Inspectors www.nysahi.com The New York State Association Of Home Inspectors (NYSAHI) provides this site as a tool to help New York State Home Inspectors stay current with the changing face of home inspector regulation in our state. Our industry is changing. It is evolving from a unregulated service industry to a licensed profession. As recently as ten to fifteen years ago the concept of a home inspection being part of the home buying process was a new one in many parts of the country. Now, about half the states in the union have some form of home inspector regulation. The New York State legislature passed the "Home Inspector Professional Licensing Act" in the 2004 legislative session and Governor Pataki signed it into law on August 12, 2004. This law is set to take effect December 31, 2005. Home inspectors are encouraged to use the links on this page to educate themselves about home inspector licensing in our state to help in preparing for, and prospering in, this new regulated environment. North Carolina Licensed Home Inspector Association www.nclhia.com As of October, 1996, all home inspections in North Carolina must be performed by a North Carolina-licensed home inspector. Licensure is accomplished by meeting stringent requirements set by the State of North Carolina and passing a comprehensive examination. Continuing education is required each year in order to keep this license in force. Being licensed by the North Carolina Home Inspector Licensure Board, and adherence to the North Carolina Standards of Practice and Code of Ethics are the only legal requirements for performing a home inspection in North Carolina. The North Carolina Licensed Home Inspector Association (NCLHIA) was formed in 1997 to provide a professional organization for all home inspectors licensed in North Carolina. Pennsylvania Home Inspectors Coalition http://phic.info The Pennsylvania Home Inspectors Coalition (PHIC) represents the two nationally recognized inspection organizations that have offered verifiable proof of compliance with ACT 114, so that the Coalition can act as the eyes and ears of the Home Inspection profession within this State. Because of the new Home Inspection Law, which went into effect 12/20/01, ASHI® and NAHI™ Chapter Presidents and Vice Presidents came together to form a coalition to reflect each Chapter membership’s point of view. In turn, this can be communicated to the Coalition so that the Coalition will act as the one voice for the home inspection profession in Pennsylvania Texas Association of Real Estate Inspectors www.tarei.com The Texas Association of Real Estate Inspectors (TAREI) is a statewide professional organization formed in 1977 with a current membership of over 750 inspectors and related professionals. TAREI promotes a professional code of ethics for its members, reviews and upgrades minimum standards, provides recommendations to the Texas Real Estate Commission, and conducts statewide continuing education programs for all inspectors. Wisconsin Association of Home Inspectors www.wahigroup.com In 1994, home inspectors throughout Wisconsin began meeting monthly to improve skills and to discuss with other inspectors what they had learned during the conduct of home inspections. In early 1995, we established our name as the Wisconsin Association of Home Inspectors, Incorporated (WAHI). Our goal is to improve the competency of home inspectors through training and professional interaction. Our monthly education programs focus on home inspections as well as industry concerns. Currently, we have over 350 members and many of them are members of the American Society of Home Inspectors (ASHI) and the National Association of Home Inspectors (NAHI). Our members include engineers, builders, electricians, building tradesmen, journeymen, basement specialists, etc. Each of them is involved with the home inspection industry in one way or another. Back to Main Menu State License for Home Inspectors (N/A = state does not current require licensure) Alabama Building Commission www.bc.state.al.us/HI%20Menu.htm Alaska Department of Commerce www.dced.state.ak.us/occ/home.htm Arizona State Board of Technical Registration www.btr.state.az.us/AZ%20Ashi%20Standards.htm Arkansas Home Inspector Registration Board www.sosweb.state.ar.us/ar_rules/rule_final/198.00.03-003F.pdf California N/A - www.commerce.ca.gov/state/ttca/ttca_business_display.jsp?path=Permits+&+Licenses&childPath=License+Handbook Colorado N/A - www.colorado.gov/colorado/permits.html Connecticut Dept of Consumer Protection www.dcp.state.ct.us/licensing/professions.htm Delaware N/A - http://dpr.delaware.gov/default.shtml Florida N/A - www.stateofflorida.com/Portal/DesktopDefault.aspx?tabid=25 Georgia N/A - www.sos.state.ga.us/plb/ Hawaii N/A - www.hawaii.gov/dcca/areas/pvl/ Idaho N/A - www.state.id.us/business/licensing.html Illinois Division of Banks & Real Estate www.obre.state.il.us/realest/homeinspect.htm Indiana Professional Licensing Agency www.in.gov/pla/bandc/home/ Iowa N/A - www.state.ia.us/government/com/prof/home.html Kansas N/A - www.accesskansas.org/operating/operating-resources/index.html Kentucky N/A - http://hbc.ppr.ky.gov/generalinformation.htm Louisiana State Board of Home Inspectors www.lsbhi.info/LSBHIweb.nsf/Home?OpenForm Maine N/A - www.maine.gov/portal/business/professions.html Maryland Division of Occupational & Professional Licensing www.dllr.state.md.us/license/real_est_app/reareq.htm Massachusetts Division of Professional Licensure www.mass.gov/dpl/boards/hi/index.htm Michigan N/A - www.michigan.gov/statelicensesearch/0,1607,7-180-24786_24814-81259--,00.html Minnesota N/A - www.state.mn.us/cgi-bin/portal/mn/jsp/ Mississippi Home Inspector Board www.mrec.state.ms.us/default.asp?siteid=3 Missouri N/A - www.state.mo.us/mo/business.htm Montana N/A - http://discoveringmontana.com/dli/bsd/bc/index.asp Nebraska N/A - www.nebraska.gov/business/html/342/index.phtml Nevada Real Estate Division www.red.state.nv.us/insp_licreq.htm New Hampshire N/A - www.nhes.state.nh.us/elmi/licertreg.htm New Jersey License & Certification Guide www.state.nj.us/commerce/CEG_LCI/html/licguid.html New Mexico N/A - www.rld.state.nm.us/Division%20&%20Proffessions.htm New York State Division of Licensing Services www.dos.state.ny.us/lcns/licensing.html North Carolina Home Inspector Licensure Board www.nchilb.com/OSFM/Engineering/HILB/NCHILB.asp North Dakota N/A - www.ext.nodak.edu/extpubs/agecon/market/ec752-4w.htm Ohio N/A - http://ohio.gov/ Oklahoma Department of Health www.health.state.ok.us/program/ol/info.html#home Oregon Construction Contractors Board http://egov.oregon.gov/CCB/home_inspectors.shtml Pennsylvania Home Inspection Coalition http://phic.info/ Rhode Island Contractors Registration Board www.crb.state.ri.us/docs/hilawsfinal.pdf South Carolina Department of Labor, Licensing & Regulation www.llr.state.sc.us/POL/ResidentialBuilders/ South Dakota Real Estate Commission www.state.sd.us/sdrec/home_inspect/homeinspections.htm Tennessee N/A - www.state.tn.us/commerce/boards/contractors/hinspcontractor.html Texas Real Estate Commission www.trec.state.tx.us/inspector/default.asp Utah N/A - www.dopl.utah.gov/directory.html Vermont N/A - www.vermont.gov/doing_business/profession.html Virginia Department of Business Assistance www.dba.state.va.us/frameset.asp?URL=http%3A%2F%2Fwww%2Edpor%2Evirginia%2Egov Washington N/A - www.dol.wa.gov/main/biglist.htm West Virginia N/A - www.business4wv.com/Public/content/DynamicContent.asp?pagename=licensesearch&Type=Regulatory Wisconsin License, Permit & Registration Service www.wisconsin.gov/state/app/ Wyoming N/A - http://plboards.state.wy.us/ For a more detailed summary, check out these two great resources: American Society of Home Inspectors www.ashi.org/inspectors/state.asp HE-School of Home Inspection www.hometraining.com/certif.htm Home Inspection Institute of America www.inspecthomes.com/regulate.htm Back to Main Menu Continuing Education for Home Inspectors Certified Inspection Training, Inc. www.certifiedinspectiontraining.com/continuing_education.html Classes are held in many areas of the country twice each year. Please check the "Calendar" page for dates and locations. Classes are held on the West Coast in most instances. These classes are approved for Continuing Education credits by many states including the State of Oregon. The Certification Classes are approved for up to 10 education points to sit for the Oregon Certification Tests. Plus you also get 3 "Ride-Along" points. Please check with your state to determine existing requirements. HE - School of Building Inspection www.hometraining.com/continuingEducation.htm Quality Continuing Education Hours MRC's (ASHI), CEU's (NAHI), or State Continuing Education Hours A Better School of Building Inspection offers high-quality material to help you earn your continuing education requirements. With our material you get your hours and get something out of them too!!! By purchasing our 4-Point Residential Inspection Home Study Package, you help reduce the cost of obtaining continuing education hours and get them done when it fits your schedule better. Home Inspection Institute of America, Inc. www.inspecthomes.org/cont_education.htm Continuing education courses on topics of concern and interest to home inspectors are offered at the Institute at various points throughout the year. Schedules will be posted on this site. The courses are submitted to various membership organizations and state licensing boards for appropriate recognition. Attendees receive a Certificate of Attendance at the end of each course, detailing the credit earned. Infinity Schools Continuing Education www.infinityschools.com/HomeInspection.asp Our complete line of training products includes textbook based training modules, resource manuals, and cutting edge CD-ROM And Video Training products, all developed in cooperation with educators, instructional designers, and technical artists, along with extensive research and contributions from home inspectors across North America, specifically to be the premiere education and training program for home inspectors. InspectAmerica Engineering, P.C. www.inspectamerica.com/Home_Inspector_Training/ InspectAmerica Engineering, P.C. offers a home inspector training program for persons interested in entering the home inspection business, as well as for home inspectors who are interested in improving their home inspection service skills and receiving feedback on their home inspection techniques. Home inspector training is also available for persons with a casual or related interest, such as real estate agents, appraisers, mortgage lenders, real estate attorneys, etc., who are interested in learning more about the home inspection business. Our home inspector program can help make you more knowledgeable and proficient in your own business. Our program is also available to home owners who want to know more about the ins and outs of their home. Inspection Support Services www.inspectsupport.com/courses.htm Inspection Support Services offers the following courses along with other home inspection training courses and and a number seminars including Defect Recognition and Report Writing for both residential and light commercial properties. For further information contact us with your training needs - we will be glad to help you! Inspection Training Associates www.home-inspect.com/courses/cehomestudy.asp Need Continuing Education credits, or just need to study up on a specific area in home inspection? Now you can take individual 8 hour home study courses on the inspection topic(s) of your choice! Each correspondence course includes an on-line final exam*, which you are required to pass with a 70% or better grade to receive CE credit. [Also includes other specialty inspection courses on this site.] National Institute of Building Inspectors www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. Professional Inspection Training Institute www.homeinspectiontraining.net/docs/conted.asp The Professional Inspection Training Institute offers the following 2 day, 1-day and 1/2 day continuing education courses in the inspection field: EIFS & Stucco Inspections, Electrical Inspections, Foundation & Structural Defects, Mold, Mildew & Moisture Intrusion, Radon Testing & Protocols, Sales & Marketing Seminar, Heat Pump Inspections, Carbon Monoxide & Improper Venting Back to Main Menu Small Business Aids All Business - Champions of Small Business www.allbusiness.com American Home Inspectors Training Institute Start-Up Packages www.ahit.com/products/packages/startup_pkgs.htm Better Business Bureau www.bbb.org Business.gov www.business.gov Business Owners' Idea Cafe www.businessownersideacafe.com Entrepreneur.com Solutions for Growing Businesses www.entrepreneur.com IRS Small Business/Self-Employed www.creditreport.org/get-the-most-out-of-the-irs/ More Business.com www.morebusiness.com National Association of Certified Home Inspectors - Business Success Tips www.nachi.org/success_tips.htm SCORE Counselors to America's Small Business www.score.org Small Business Administration www.sba.gov FRANCHISES AmeriSpec www.amerispecfranchise.com If you're looking to start your own home inspection franchise, you've come to the right place! AmeriSpec offers the best home inspection franchise opportunities available in North America. With over 350 independently owned and operated businesses that conduct over 150,000 inspections annually, AmeriSpec's 17 years of experience provide us with the know-how to offer the best training, support, and tools to get your franchise off the ground fast. A Pro Home Inspection www.a-pro.net/business.html With an annual potential of over 6 million transactions (translated into an estimated $1.8 billion in home inspection fees) the home inspection business is booming. In fact, Money Magazine has rated our industry as one of the "Top Ten Highest Income Home Businesses, and Entrepreneur Magazine calls home inspection "one of the best opportunities…" And now, you can turn that boom into a successful career! Joining the A-Pro® Home Inspection team can literally change your life. You’ll enjoy greater independence, as well as the personal and financial rewards of owning and operating your own home inspection business. National Property Inspections, Inc. www.npiweb.com/subpages/buildYourFuture.html Looking for the blueprints to build a successful home inspection business? Then National Property Inspections is the right opportunity for you. Go ahead--compare us to the competition. In fact, we want you to. Because we're confident that when you measure our franchise business package, including start-up costs, tools, home inspection training, and support, you'll agree that NPI is the right home inspection franchise to help you build your future. Pillar to Post www.pillartopost.com/franchise/index.cfm if you are looking for a business opportunity with an industry leader in a growing field, Pillar To Post® is the answer. You do not have to be an engineer or building contractor to succeed. What you really need is an ability and willingness to work with people. The most successful home inspectors are those who are able to develop strong trust with the real estate professionals who will refer clients to them, as well as with home buyers and sellers. That's why we focus on technical skills and marketing in our initial two-week training program and in our ongoing training and upgrading efforts. World Inspection Network www.winfranchise.com Join World Inspection Network (WIN) as we build a World-Class Brand in the billion-dollar home inspection industry. When you become a home inspector as a WIN franchise owner, the freedom, flexibility and financial rewards of running your own business can be yours. The home inspection industry continues to demonstrate strong growth and has already proven to be an integral part of the real estate transaction process. Over the past decade there has been a steady increase in the overall volume of home sales and the percentage of homes inspected, confirming that the home inspection business is a high demand service in a solid industry. As a WIN home inspector, you will share information with home buyers and sellers by giving them the knowledge and confidence they need to make an informed decision on one of life's biggest investments.

Fogging of insulated windows.

Our home inspector reported that three windows in our 9 year old house had fogging insulated panes, and he suggested that we contact the builder or manufacturer for warranty information.

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Q Our home inspector reported that three windows in our 9 year old house had fogging insulated panes, and he suggested that we contact the builder or manufacturer for warranty information. We contacted the manufacturer who sent a man out, but he said that only two of the windows were fogged. When we called the inspector, he said that insulated windows will fog only under certain conditions, and that we look at the windows at the same time of day that they were inspected. Is our inspector a bit foggy in the head?

A It has been my experience that insulated window panes, when the seal is broken, will fog only under certain conditions. The two pieces of glass in a double-pane window have an inert gas between them which is held in place by a seal. This thin space of gas is what allows the windows to slow down the transmission of heat or cold. When this seal is compromised, ordinary air is allowed to enter, and moisture may condense on the inside surfaces of the glass. These types of windows are most likely to fog on a winter morning a short time after the sun hits them. The outside of the window has been cold overnight, and the inside has been warm. When the sun hits the cold outer glass, moisture condenses and the foggy appearance occurs. A few hours later, as the temperatures stabilize, the fog may disappear altogether. In this case, the inspector was correct to suggest that the windows be inspected under the same conditions. In the case of your 9 year old house, your windows may still be under warranty. The earlier versions of insulated windows were somewhat prone to failure, but technology has steadily improved, and today’s windows are much more reliable. Warranties have gotten much better as well, so it you have foggy windows, check with the manufacturer to see if you can have them replaced under warranty.