Leaded Copper Pipe Joints in C#.NET

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Leaded Copper Pipe Joints
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Prior to about 1986, the solder used to connect copper pipes in houses was made of a mixture of tin and lead It was discovered that the lead would sometimes leach into water that sat in the pipes (Modern solders use a nonlead mixture) There is little that can be
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What to Look For in a Home Inspection
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done about this, short of resoldering all the copper joints However, after about ve years the leaching process tends to become minimal It s mostly a problem in leading joint piping houses that are less than ve years old (You can run the water a while before using it to reduce the risk of lead poisoning)
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Black Mold
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This is the hazard de jour in many areas Black mold has been around since time immemorial However, some have suggested that a new more toxic variety is now attacking houses Thus CDC (Center for Disease Control) and many state environmental agencies are conducting studies to see if black mold poses a serious health hazard, but the results were not available as of this writing Certainly some people are allergic to molds in general The problem is that a kind of hysteria has surrounded homes that contain black mold This is a serious problem because most homes in wet climates tend to have it Therefore, you should have the house checked for black mold While you yourself may not nd it objectionable, it could mean trouble when you try to resell to the next buyer Finding serious black mold should weigh into your purchase decision
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Other Environmental Hazards
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These can be anything from formaldehyde odors to copper in the drinking water Ask your inspector about these and any other environmental hazards that may be present Having your home professionally inspected is an important part of the purchase process Don t skimp on it
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How to Avoid Getting Gouged at Closing
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Nobody wants to pay closing costs They are the transaction costs of buying real estate that we all would rather do without Nevertheless, closing costs do exist, and sometimes they are abused It s important to understand that closing costs are not completely regulated Lenders can sometimes charge what they want, leading to so-called garbage fees or unnecessary charges that only bene t the lender (What are garbage fees is open to interpretation I give you my take on it throughout this chapter) On the other hand, there are rules that lenders need to live by Under RESPA (Real Estate Settlement Procedures Act), a lender must give you a good-faith estimate of what your costs for the loan, and in effect the transaction, will be within three days of your making a formal application Giving you notice, however, does not necessarily mean reducing those costs or even being totally accurate In addition HUD (Department of Housing and Urban Development) requires that a HUD-1 statement of your closing expenses be given to you, but not until within one day of closing By then, of course, it s usually too late to do anything about the costs
New Changes to Closing Procedures
Because current closing procedures have produced so many problems and complaints, HUD has indicated it may adopt a two-tiered 199
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system (not yet in effect as of this writing) Under this plan there would be two kinds of closing costs:
GFE Good Faith Estimate This is pretty much the old system where the lender can give you an estimate that may or may not prove to be accurate GMPA Guaranteed Mortgage Package Agreement Here the lender guarantees that the closing costs will be no more than a set amount However, that amount could be higher than the estimate given under the other plan
In addition, there is some thought being given to identifying the various lender fees (which compose most of the closing costs for the buyer) and codifying these Nevertheless, it behooves every buyer to examine what the closing costs might be to see where they can be reduced Here s a list of typical closing costs when purchasing a home (Note: You probably won t have all of these; you may have most of them)
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