Sunday, November 15, 2009

Motgage survey and new house.?

I just moved house two weeks ago. The survey conducted by the mortgage company revealed no significant problems and stated:


"The general condition of the property appears consistent with its age and type of construction but some works of repair and maintenance are required."





Only one week after moving in, a large damp spot appeared on the wall, and so I had a full survey carried out. The RCIS surveyor says that at least one room has damp, and this could possibly extend into the kitchen. Also, the roof of the extension needs replacing and the chimney needs fixing on properly. He stated that the first survey should have noticed this and advised on the report, it's possible that I can write to the mortgage company with a copy of the report and get money back for the repairs.





Can anyone advise on the best way to do this? And has anyone else had success using this tactic?





The standard disclaimer on the valuation says: It should not be replied upon.

Motgage survey and new house.?
You should have had three "surveys" or inspections prior to closing the house. The first by someone hired by you to inspect the property prior to signing a contract. The second by the mortgage company to protect themselves against them lending you more money than the house is worth. The last would have been your final walk-trough before closing. This is less a "survey" and more of final check that the house is in move-in condition and theres's nothing preventing the sale.





Although the wording by the mortgage company's survey is vague, at best, they are usualyl up-front with specifics about what they found out. Again, the survey is for their protection. However, the buyers inspection should have alerted you of some of these issues. However, from your wording, it doesn't look like that happened.





Anyway, back to your current situation. I can think of a few options you may have:





(1) If you feel that you were truly wronged by someone (the seller, the mortgage company, an inspector, etc..) then you should consult a lawyer. Depending on the state you live in, you may have had one represent you at closing.I don't know what case you have agains whom, but a good lawyer may be able to scare the other party into a quick settlement out of court to help recoup your costs.





(2) If you can't afford repairs (or a lawyer), talk to your insurance company and see if you can file a claim. However, this will probably raise your insurance rate if they don't drop you all-together





(3) Fix and repair what you can afford to now and plan on mitigating the dampness as much as possible with a dehumidifier, for example. It doesn't sound like the problems are critical to the structural stability of the house. The first thing I learned when I bought my first house was that it's not necesarry (or feasible) to fix everything at once.





Good luck
Reply:I'm afraid the survey undertaken by the mortgage company is for their benefit. It is really to check that the property has no serious defects that could affect the value of the property and hence their investment risk.








You will waste a lot of time and energy trying to pursue the original surveyor / valuer.





I would look into the damp problem with a reliable builder, checking with Trading Standards for any prior issues.


Repairs to cure damp need not be terribly expensive.





Ask for a second opinion on the roof as some surveyors tend to be over cautious when estimating the remaining life of components.





Good luck
Reply:consistant with age doesn't mean that everything is good. it means that things are typical of houses that old.
Reply:If it said some repairs would be necessary and the disclaimer said it shouldn't be relied upon, then I doubt you have any chance.
Reply:YOU SHOULD CONTACT THE SURVEYOR WHO DID THE FIRST ONE AND ASK HIM FOR COMPENSATION
Reply:Does the damp patch look as though its been decorated to hide the damp? If so, you may have some recourse against the vendor. He has to act right and proper!!
Reply:The reality is You are on your own with your new house. the energy you waste on trying to get the others to pay for it would be better used in looking for a contractor. Home inspections are only good as an idea of what your getting. I never use them other than for termite inspections.

pulling teeth

I have tried everything to make money online can you help?

Ive tried all these (viva research,inbox ollars, memolink,survey spot,agloco,cix sense,and many other paid survey sites)none of them work.please does anyone know of anything i can do to make money online without paying a dime.Why pay to work for someone it makes no sense. please help..............

I have tried everything to make money online can you help?
look at my profile, and visit the site under "about me"...sign up there....here is some information about the site:





This is a site from which you are given the chance to earn money. What you have to do is complete surveys and offers for companies that want the public's opinion. By doing this, you are able to earn money very easily for simply giving your opinion or trying out sample products. This is a great service that allows one to work from home, on their spare time, at their leisure, and still bring in a nice sum of money every month. People have made up to $800 easily on this site by just working on it in their spare time. It is not going to replace a real job's salary, but it is a very nice bonus. There are also many features on this web site, such as contests and special surveys, from which you can redeem extra prizes that would be sent to you with your monthly cheque, such as iPods, Xbox 360s, gift certificates, and much more.





Cheques are sent monthly, and usually arrive about a week or a week and a half into the next month. No payment from you is ever required, not to sign up, not EVER. Unlike other sites that try to scam people out of their money, this site never requires you to pay them.





"If the site doesn't get paid from me, then why would they have this service going?" - The site doesn't get paid directly from you, but when you complete an offer or survey, they also get paid a small portion of what you earned yourself. For example, if you complete a survey about computers let's say, you would earn maybe $2 and the web site itself would recieve $0.50 from the company also for getting you to complete the survey. These surveys take little time at all, most taking up less than even 2 or 3 minutes of your time.





Fraud is also a big deal on the Internet these days, and this site recognizes that. That is why they ask for ONLY three bits of information: Your name, email address and your home address. Yup, that is all. No credit card information, no banking information, nothing like that. All they require is your name and address so that your cheque can be sent to your home every month. Your email address is only required to confirm that you have done the offers and surveys. Fortunately, no spam mail or junk mail is ever sent out by this site and your information is never shared with any other company.





Personally I have been a member of this website, along with thousands of others, for approximately 1 year now and have earned well over $2500 by working in my spare time. This web site has been great to me, also the members and administrator are very friendly, and are always there to help you with a question or problem you may be having. So far, I've listed only positives about this site, because I can't think of a single negative thing about it. Earn money in your spare time, at no cost to you...Simple!
Reply:I have made $ 117.00, free to join, complete surveys, sign up for free prizes / raffles, etc.


Pays you daily through PAYPAL


http://www.gangstergreed.com?ref=2803


Good Luck
Reply:You haven't tried everything. You've tried the online survey scams. If it seems too easy or seems too good to be true, it is!





If you're not willing to invest money, then you're going to have to be very creative.
Reply:These really pay!





Try this one: http://www.clixsense.com/?2134684..........





This one you can "view" 30 second ads and get paid .01 to $1.00 for every one. I usually open them and continue what I'm doing...just keeping the window open until the 30 seconds are over. You can easily earn $30 or $40 a month or more.





This one is called MyLot





It's basically the same thing as Yahoo answers but you get paid for every question and response you put down. It only updates once every 24 hours (I find it's usually between 1am and 7am pacific time) so don't worry if you don't see your totals going up after every post. I think it's a better format than here. The longer the response, the more you get paid.





http://www.mylot.com/?ref=amstardam........
Reply:dude - time to wake up





To make money - you have to spend some money





You need to actually do some planning, preparing, working, etc





Nothing comes for free
Reply:Try http://www.treasuretrooper.com/282301


its a really good site and legit and free


good luck
Reply:Look, the answer is correct as far as you have to spend money to make money. The key is to make only a small investment and stick with what works. Build on your business. Check out my site for some interesting idea's





Donald B. Dousharm


Online Marketing Strategies (O.M.S.)


http://360.yahoo.com/stressin6378
Reply:Have you ever considered writing articles for associated content? You have to put a little work into it, but it's completely free and they pay you per article





http://www.associatedcontent.com/join.ht...
Reply:http://adbux.org/?r=yannboun they give you 1 penny per ad you visit it only takes a couple of minutes per day and they really pay you
Reply:I'm skeptical when it comes to paid surveys and 'get paid to complete offer' sites, but honestly many of them are legit and have enabled me to generate a great amount of extra money. On one site, you can find actual photos of checks people have gotten from the site. On my favorite site that I use, the total payment cashout reached six figures ($100,000) for the month of May!! The most important thing is to never get discouraged if you start out slow. Those $1-$5 surveys will add up over time, and doing them from more than one site at a time really increases your income. My first week using three of these survey sites, combined, I made over $60 dollars and never touched a credit card (including the offer completion ones), so they really do pay. Just go to my profile and you will find links to my favorites!





PS: The survey panel thats hard to get onto is Pinecone Research because you have to find a flashing banner and click it to get to the sign up form, but if you can manage that, you get $5 per survey. Anyway try some of those links in my profile. They are free and easy to get started.





P.S. I would recommend that you create an email account just for survey sites.
Reply:check this out http://www.agloco.com/r/BBDF6773 it's free to join and u don't have to buy anything.
Reply:You could try the affiliate program from Big Fish Games.





http://www.rewardfish.com





The Flash demonstration on their site can explain it better than I can. When someone buys a game after following your link, or after visiting a free web page you set up using their tools, you earn 25% of the purchase price. Plus the company remembers you referred that person and you get 25% of their future purchases, too.





Basically you want people who are interested in games to visit your game links, or the link to the free page you set up. It's not hard to track how many people you've referred (and how much money you've made, once you start earning).





I'm using it myself to make money online, so if you have any questions you can email me.
Reply:You say you've tried Inbox Dollars and it didn't work. What didn't work about it?





I've written a blog post recently about how to earn your first $30 at Inbox Dollars in under an hour, so I know the program works.





Clix Sense is another one that works. The amount you make personally is quite small, but the trick is to get referrals, and to work multiple programs at the same time. Earning $500 a month is very doable.





Check out my Marketing Pond review for a list of legit programs that all give some sort of bonus for getting referrals.





Good luck!
Reply:myLot is a great way to make some extra money doing the same thing we do on Yahoo! Answers... Ask and answer questions.





I've been on the site for a little over a week and I've already made some money... check out it!





http://www.mylot.com/?ref=jessicalynmart...


House buyer survey query, anyone experienced?

I have had my house on the market for a while. In February I got a buyer, but his surveyor spotted a settlement problem with an extension and wouldn't value it for mortgage unless I had a structural survey done on one wall.


This cost me £360, and he found a problem with the extension roof caused by the fact that the original builder of this extension had not properly bonded the purlins to the main building, and maybe also the proximity of a tree to the extension ( the extension consists of an attached garage with bedroom over it.


I had the roof repaired and tree removed by proper tradesmen, and have their receipts, the whole lot came to about £800 so it wasn't a massive job, but the buyer changed his mind and pulled out anyway.


Now I have another buyer, and I am worried that his surveyor may say something to put him off, even though the problem is fixed. If the same surveyor comes, they may just go into their files and repeat what they wrote in the last report.


What should I do?

House buyer survey query, anyone experienced?
I presume that you have now received a Structural Survey Report from the Surveyor who was allocated the job.


This will form part of the information held by your Solicitor.


In normal circumstances it would not be necessary for any further survey to be done, unless you don't have the Report to hand.


Buyers normally follow the recommendations of the Agent and Solicitor because both are liable for any misinformation supplied.


Go with your Solicitor's words on the matter and you can be confident that another buyer will arrive!
Reply:Don't stress about it if you fixed the problem. If the same surveyor comes he will go over your house a second time not pull an old file.
Reply:This should not be a problem - firstly the new would be purchasers will be using their own surveyor and the chances of it being the same one are slim. However show the copy of the survey report together with copies of receipts for work undertaken to any would be purchaser - give originals to your Solicitor as these will form part of your deeds





If by any slim chance you do end up with the same surveyor show him copies of the paperwork before he starts the survey





There should not be a problem at all now the tree has been removed and building works completed





Happy selling and do not worry
Reply:ask for a different surveyor mabe


What is a good vacation spot and why?

This is a little survey. *My dream vacation is to go to Vietnam and visit the family members and go shop for random things (south pole, hello kitty, louis vuitton) an dout there its cheaper! And i want to go water parachuting (whatever its called).*

What is a good vacation spot and why?
The Outer Banks of North Carolina...family oriented and NO FAST FOOD places...great weather...quiet and uncrowded beaches(and you can have fires and drive on the beach)...I was just in Puerto Vallarta, Mexico--it was ok BUT-- I can't wait to get to the OBX in July...I love it!!!
Reply:I'd like to mount a campaign to encourage people not to go anywhere. Travel has become so expensive and unpleasant that it's hard to understand why people don't stay home.


Why are we crowding our highways and airports to get someplace else? Newspapers and magazines are filled with ads trying to get us to travel. They want us to go somewhere - anywhere but home.
Reply:Greece


the water


is


amazing


Italy


the sites are gorgeous


C'mon ladies honestly how many of you have really discovered your" G spot "and really enjoyed it.?

Please be honest. I am doing a survey, if "G spot" really exists?

C'mon ladies honestly how many of you have really discovered your" G spot "and really enjoyed it.?
It does exist and feels good, but I don't orgasm from it. The only way I can is clitoris stimulation (unless I haven't found a guy yet that can get it).
Reply:YES IT DOES!!!!!!!!!!!





I've learned how to find it on my girl, and it drivers her crazy oh so much. I like to watch her tighen up, shake


then just EXPLODE......





It is there, learn to find it, and spend time there
Reply:yes i've found and oh lord yes does it feel good..... with or without him ;)
Reply:YES there is one and YES I have found it and YES mine works very well thank you. :)
Reply:oh yer i have and loved it! well i say i have but i actully had a little help from my other half.

chaep web hosts

A little survey for all those with tattoos?

I am thinking of getting a tattoo....


A few questions...


1. How much does it hurt on a scale of 1 to 10 (1 being low 10 being unbearable)





2. Where do you think is the sexiest spot on a woman for a tattoo?





3. Do you know of any websites where I can find designs?





4. Final one..What does your tattoo look like?

A little survey for all those with tattoos?
1: For me, the pain was about at a 4. picture dragging a needle point along a pretty bad sunburn. That's basically what it felt like for me. It hurts as you get closer to a bone, like your ankle or shin bone (or anywhere where the skin is thinner) Remember that the pain is different for everybody. Some people find it just kindof annoying, some find it really relaxing, and some find it almost unbearable.





2: I think it really depends on the woman. I like tattoos that flow with the body, ones that accent what was already there. does that make any sense? Maybe an example would be a rather big tattoo on the ribs/side that flows with the body, increasing the curves.





3: There are TONS of websites out there. If you're looking for something specific, you can just type it into a search engine. like "Star tattoo" or something like that. A couple sites that I've found helpful:


www.bmezine.com: I'm pretty sure this has the largest collection of pictures on the internet


www.deviantart.com: more a website for a lot of different kinds of art, but they have a lot of tattoo designs if you search for them


Once you find something you like, or a few different designs, print them out and take them to a good tattoo artist. That way you can talk to them about what you like about each picture, and they can combine and add or subtract, to make it perfect and unique to you.





4: I have a tattoo of a rose and two buds and leaves, surrounded by ribbons on my ankle, it's kindof in the shape of a cross, but it doesnt have any religious significance


I also have a kindof tribal-y design of a horse head I designed my self that has the name of my recently deceased niece hidden in it. This is on my inner calf.





Hope I helped some!
Reply:The pain wasnt too bad but it was different for each one Id say 5 was the worst. The sexiest spot I think is low on the hip. Google it. And they all look different
Reply:1. it really depends on where you get it, i have quite a few including an entire back piece and ive had them from 1 to me damn near crying in the chair.


2. personaly i think it depends on what your getting


3. my advice is to get a basic idea, and go to a shop and have them custom draw you one


4. i have tons!
Reply:1. 5 for the outline, 3 for the shading (yes, they feel different, since they have a difference configeration of needles).





2. Where ever makes her feel most confident. Keep in mind, confidence is the most important aspect of sex appeal.





3. Hopefully inside your own head. Picking out pre-made designs may be easy, but it means millions of other people have the exact same tattoo you have. Don't you want something a little more meaningful? It's going to be on you forever. It's not like an outfit that you can just change if another girl at the party has the same thing you have.





4. Mine is about 6in x 2in, the constellation Cassiopeia inside my right hip. I used layered 4-point nautical stars (like a compass rose, one on top of eachother, the bottom one smaller), and nebulous clouds in magenta.
Reply:1. How much does it hurt on a scale of 1 to 10 (1 being low 10 being unbearable) 4





2. Where do you think is the sexiest spot on a woman for a tattoo? sholder blade. It can be seen when you want to and easily hidden when you don't





3. Do you know of any websites where I can find designs?


just search for them go to tatoo shops and look at their books


4. Final one..What does your tattoo look like?


peace dove
Reply:1. i give it an 8, Yes! it hurts but it only hurt when they out line your design after that its like nothing so then ill give it a 2.





2. anywhere is sexy for women, we're sexy no matter what....hahaha =P





3. how i got my tat design is i just look at some picture of dragons on the web. no web site to go to. just get an idea of what you want then look for it.





4. my tat. is a baby dragon on a clif. it on my back hip. i had to cover my first one i had..... i did some thing stupid, Yes! i got a guys name on me. so dont do that.... =)


but now I love my tat!!!!


good luck best wishes to you!!!
Reply:1. 6


2. lower back


3. look on yahoo images


4. 1st-celtic cross 2nd- tribal butterfly


3rd- yellow rose
Reply:1. it depends on the location as to how much it hurts. shoulders, painful. neck, not bad. lower back on sides - it tickles! (i'm very ticklish, i was actually laughing).





2. i think the shoulderblade. i have one there. i love it! THAT one was painful, though.





3. i wouldn't suggest a website. i'd come up with my own, because everyone will have one that's on a website. you want something unique to YOU.





4. i have purple lilies on my left shoulder blade, a claddagh symbol on my lower neck, a chinese symbol for grace on the right side of my lower back, and an ankh on the lower left side of my back.





best of luck!!
Reply:the lower back is pretty sexy for a tattoo especially when you where your hip huggers
Reply:1. Depends on where it is, how large,


and how much time it takes.


2. Hip


3. tattoofinder.com


dmezine.com


4. I have 11


dragon


koi


stars %26amp; streamers


a rose


crab


lotus


frog


2 symbols


cherry blossoms


johnny jump up
Reply:The pain depends on where you get it. The first one I got was on a shoulder blade, it took about an hour and wasn't too bad until the end - probably about a 7. It's a tiger holding a rose in it's paws. Then I have a small parrot sitting on a branch on the front of my shoulder that I would give a 1 on the pain scale because it's pretty muscular there. Then I have my cats' head portraits on my inner leg just above the ankle bone. I'd give that an 8 for pain. Not a one of them ever hurt so much as to be unbearable or cause crying.





I like the shoulder and the ankle for tattoos on a woman and sometimes the inner wrist, but I hear they hurt really bad.
Reply:1. mine was a 4 or 5 the amount of pain will depend on the size of the tattoo the location and your personal pain tolerance





2. my first one was on my hip being a woman i love tattoo's on the hip back or neck... for men i think ribs back and arms are hot (my hubby has some also)





3. i just look for stuff and print it then my hubby modifies it for me then we take it to the artist and they make all the crisp clean lines





4. i have one right now and its just a small cross on my hip with some detail work around it





good luck
Reply:1. Mine didn't hurt , but then again, i have mild peripheral neuropathy.


2. I'm not sure you're old enough for me to answer that on this forum( or any other ).


3.Skinart.com or Tattoo.com


4. I have one on each forearm; a sword, blade down with an Angels hand over it to signify justice, and a chalice on my right forearm to signfy mercy. They remind me to pray rather than slay.
Reply:I have 5 tattoos-





I think the 3 I have on my spine hurt the most but not bad enough to cry over.





I never chose any design from any of the shops or from the Internet I told them what I wanted and we collectively came up with some ideas and went from there. I never wanted something someone else had--- OK except for my EGA on the small of my back. that one you can't re-design
Reply:1. mine was about a 6 or 7. yes it hurt, but it wasn't unbearable.


2. Any part that you want to accentuate. If you have good legs, then ankle. good abs, hip.....


3. tattoojohnny.com, cherrycreekflash.com, tattoo.com, tattoofinder.com.....endless. just search tattoo and it will bring up a lot of hits.


4. mine is a pink and black star with swirls on my ankle.
Reply:1)If you get your tattoo on a place w/ a lot of meat on it I.E. butt, breast,upper arm, it wont hurt as much as a place close to the bone. I give it a 5 I suppose.


2)I like the breast, I DON'T like the "tramp stamp"


3)There are several, just type in Tattoos or tattoo pic's and you should find what you are looking for.


4) I have several, I have one on each arm and leg and one on my breast. right arm,panther w/wings.left arm,butteryfly w/ rose. left leg dragon.right leg tribal dolphin. left breast, heart w/ daughter's name.


Monday, May 11, 2009

IM filling out this survey and it says: do you like hot spots or no? Wat does that mean?

answer it %26amp; get a thumbs up.

IM filling out this survey and it says: do you like hot spots or no? Wat does that mean?
it means things like volleyball and tennis thngs that can cause a sweat and things that guys say are "hot"