Building Tips For New Homebuyers
The life-changing event of purchasing a new home can be both exciting and overwhelming. With homebuyer horror stories of houses plagued with mold, leaky roofs or worse, it's no wonder some homebuyers get cold feet. Prospective homebuyers can save themselves from headaches by working with their builder on these useful construction do's and don'ts:
• Help prevent mold before it starts. Ask your builder to use vapor retarders in addition to insulation in your home's walls. Smart vapor retarders like CertainTeed's MemBrain allow wall cavities to "breathe" so excess moisture within the wall can escape. This helps prevent the growth of mold and mildew. Other vapor retarders can trap moisture in your walls, creating an environment that supports mold growth.
• Work with your builder to ensure that no mechanical equipment, ductwork or plumbing is built into exterior walls, vented attics or vented crawlspaces.
• Take control of your home's temperature and acoustics by ensuring your contractor insulates with the correct R-value for your region. Regional R-values can be found online at www.certain teed.com.
• Windows are often the largest single source of heat loss and heat gain in a home. Select vinyl windows with low-E glass and a high-performance glazing system that reduces heat transmission through the glass.
• Know what's under your roof. For instance, waterproofing shingle underlayments go under asphalt roof shingles to further protect your home's interior from winter leaks caused by ice dams and wind-driven rain.
About Pat Richmond Pat Richmond is affliated with CB First Realtors, which is located in Walla Walla, WA. For further assistance please use the contact information located on the right.
As of 05/25/12 the Pat Richmond RePage is ranked at 5,358 with 385 points.
Putting your estate in order
Estate planning for business owners.
For business owners, an effective estate plan addresses a number of concerns over and above the desire to care for surviving family members. Control over who will run the business, conservation of the owner's assets in the face of legal expenses and taxes, and the liquidity to pay estate taxes due shortly after death are just some of the most pressing issues.
For the sake of their heirs, business owners should plan for the orderly transfer of their wealth ? including their business interests ? well in advance.
Prepare for Estate Taxes:
Depending on the value of business and personal assets at the time of death, the law may require that estate taxes be paid on the value of the business. If there is not enough cash on hand, heirs may have no choice but to sell the business prematurely or for less than the real value.
Some business owners use an irrevocable life insurance trust to purchase policies on their life, collect any death benefits, and distribute the money according to prearranged terms. The proceeds can be used to pay any estate taxes due, so heirs are not forced to sell a business, property, or other assets they would prefer to keep in the family. The use of these approaches can involve a complex web of tax rules and regulations. You should consider the counsel of an experienced estate planning professional before implementing such strategies.
Plan for Successful Succession:
A buy-sell agreement may be forged between the owners or shareholders of a business, outlining the terms for a buyout in the event of death or disability. It usually includes a pre-negotiated sale price, but can also explicitly request individuals to sell their interests to others or indicate who should manage the business operations.
Payments from a life insurance trust may also be used to buy assets from an estate, such as transferring ownership of a family business according to a pre-existing buy-sell agreement.
Your business is not just your livelihood. It's likely to be the largest portion of your estate and thus the core of the legacy and security you intend to leave behind for your family. A solid estate plan can help keep your business intact through the most difficult transition of all.
Richard R L Evans
About Pat Richmond Pat Richmond is affliated with CB First Realtors, which is located in Walla Walla, WA. For further assistance please use the contact information located on the right.
As of 05/25/12 the Pat Richmond RePage is ranked at 9,141 with 265 points.
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Local Information for Walla Walla, WA
Latitude: 46.065094 -- Longitude: -118.330167
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ZIP Codes for Walla Walla, Washington
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99362 
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Area Code for Walla Walla, Washington
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509
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Time zone for Walla Walla, Washington
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PST
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On September 1, 1836, Narcissa Whitman, one of the first white women to settle west of the Rocky Mountains, arrived at Walla Walla, along with her husband Marcus Whitman. Here they established the Whitman Mission in an unsuccessful attempt to convert the local Walla Walla tribe. Both were killed by natives following a disease epidemic. Whitman College was established in their honor.
Walla Walla was officially incorporated on January 11, 1862. As a result of a gold rush, during this decade the city became the largest community in the territory of Washington. Following this period, agriculture became the city's primary industry.
Though wheat is still a big crop, vineyards and wineries have become economically important. Leonetti Cellars was one of the first wineries in Walla Walla and produces sought after Merlot and Cabernet Sauvignon. In summer 2005, there were 64 wineries in the greater Walla Walla area.
-- Source: Wikipedia.com
Washington 2000 Census Population Profile Map
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Walla Walla |
Washington |
United States |
|---|
| Population |
29,686 |
5,894,121 |
281,421,906 |
|---|
| Median age |
33.8 |
35.3 |
35.3 |
|---|
| Median age for Male |
31.7 |
34.4 |
34 |
|---|
| Median age for Female |
36.6 |
36.3 |
36.5 |
|---|
| Households |
10,596 |
2,271,398 |
105,480,101 |
|---|
| Household population |
25,857 |
5,757,739 |
273,643,273 |
|---|
| Average household size |
2.44 |
2.53 |
2.59 |
|---|
| Families |
6,523 |
1,499,127 |
71,787,347 |
|---|
| Average family size |
3.08 |
3.07 |
3.14 |
|---|
| Housing units |
11,400 |
2,451,075 |
115,904,641 |
|---|
| Occupied units |
10,596 |
2,271,398 |
105,480,101 |
|---|
| Vacant units |
804 |
179,677 |
10,424,540 |
|---|
Visit US Census
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Pat Richmond
CB First Realtors
218 W Main
Walla Walla, WA 99362
VOICE: 509-525-0820
FAX: 509-522-1053
TOLL FREE: 800-231-4935
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