Tips Before Buying A House Deadly Asbestos Maybe Present

By: David Cant

Do you have Asbestos in your Domestic home?

When buying or selling a house, or even contemplating renovation or DIY tasks, you should be fully aware of the potential harm ful risks posed by any deadly Asbestos-Containing materials that may be present.

If you are a buyer or seller, the presence of Asbestos-Containing material has the potential to substantially adversely affect the value of the property.

Did you know that over 70% of UK homes potentially contain asbestos in some form.

Increasing numbers of mortgage lenders and conveyance solicitors are advising prospective buyers to obtain Specialist Reports on Asbestos prior to exchange of contracts.

Although not covered by legislation, commissioning an Asbestos Survey is desirable, especially when considering the likely devaluation affect on the future price of the property.

Landlords have legal obligations under current legislation to identify and manage asbestos in the common parts of multi-occupation dwellings; failure to do so may lead to prosecution.

Veritas Consulting Safety Services is an independent company with specialist knowledge to undertake asbestos surveys. In most cases, the building surveyors who undertake pre-sale surveys do not have this specialist knowledge and their reports will usually carry a disclaimer in respect of asbestos.

So why is it important that potential property buyers know whether asbestos is present?

Because deadly Asbestos materials can be found in the following places.

• Thermal & Acoustic insulation

• Ceiling tiles

• Decorative coatings such as artex

• Stud walls & partitions

• Thermo plastic floor tiles

• Flue pipes & chimneys

• Cement roofing, drainpipes

• Electrical fuse boards & switch gear

• Soffit boards

• Toilet cisterns & water tanks

and more…

So what are the Health risks from Asbestos?

DIY activities or building works which involve drilling, sanding, sawing or removal of any Asbestos-Containing Materials will almost certainly release asbestos fibres into the air.

If inhaled, asbestos fibres may be deposited in the airways and lung tissue which can cause irreversible scarring and render sections of the lungs unusable.

Asbestos in the home does not pose a health risk unless the material is broken, deteriorating, or disturbed in such a way that asbestos dust is produced.

So what are the Financial Risks?

The cost of employing the required Specialist Contractors licensed by the HSE to remove and dispose of Asbestos-Containing Materials is very high due to the strict legislative controls. It is vital therefore to determine the location, extent and type of Asbestos in the home prior to purchase or undertaking any refurbishment.

How can surveyors help?

For a fixed fee asbestos surveyors will undertake a comprehensive physical asbestos survey of the property and produce an Asbestos Survey Report in accordance with HSE Document MDHS100; they will include a detailed Material risk Assessment on any Asbestos material identified.

They will provide practical and impartial recommendations on any actions that may be necessary to ensure that you are not put at risk through exposure to deadly asbestos fibres.

Original source: The Health and Safety Blog

Article Source:
http://www.articlecity.com/articles/family/article_2997.shtml

Children Come First When Establishing Visitation Agreements

By: Len Stauffenger

When divorce rears its ugly head in your life, one of the topics that sits uncomfortably on your shoulder is setting up reasonable agreements with your ex. Your emotions are jumping around like a drop of water on a hot griddle, and it is likely that you’d be thinking more about revenge than making a reasonable agreement.

But you are growing into maturity with the help of your divorce, and you now have children to put into the first spot where you used to live, so let’s do think about reasonable visitation agreements.

The majority of parents love their children equally. And your children blossom under the spell of the love of each of you, so let’s consider some ideas about visitation rights after divorcing.

Father’s Rights are a big bone of contention during a divorce. You should both sit down and make a list of the rights of the parent who has custody and the parent who does not have custody. You both do have rights. Use the internet to see what others have said about this topic. Consider: how much time each parent should have; It would be wise not to schedule too many activities but rather just spend quality time with your child when it’s your turn to visit; ought the grandparents be taken into consideration; how?; creating a child friendly home; summer vacations; how holidays will be handled? Topics like these deserve your attention and it’s wiser to resolve it before the time arrives than on the fly.

There is not only one way to establish visitation agreements. There is your way for you. There is the court’s intervention when necessary. There are different rules in different states. The best way is to arrive at a decision between the divorcing parents. If that is not possible, it can be arrived at through each parent’s attorney. The most important deciding factor here is the welfare of the children.

If a parent isn’t living up to the visitation agreement, the court can be a help in enforcement. Don’t allow the frustration over one parent’s non-compliance to infect the children. Go to the court for help before that happens.

Three Key Ingredients require consideration: the Schedule, how to make the Exchange, and Communication for issues that arise.

You can modify your Visitation Agreement at any time to be sure the child’s interests are considered and both parents should have this as a common goal. In fact, this issue of visitation agreements is contentious and on-going, so your flexibility will be tested here as well as through other areas about your divorce. It might be the only tool left to maintain control over an out-of-control divorce. Your visitation agreement can prevent years of stress and of good benefit for your children, and when it comes to your children, you know how I feel that the kids are the most important part.

Article Source:
http://www.articlecity.com/articles/family/article_2835.shtml

Popular Occasions to Use Personalized Stationary

By: Suzanne Bradley

On certain holidays and special occasions such as birthdays, religious events, anniversaries, graduations, or retirement celebrations, you can opt for using personalized stationary to send special messages to family, friends, and co-workers to let them know just how much you care. Personalized stationary makes a statement beyond just the words that you say in the letter. It also includes the envelopes you seal them in, the decorative postage stamps, and cute stickers that you stick on before mailing them.

Personalized stationary lets others know your personality, tastes, and so much more. Taking the time to personalize a message to friends, colleagues and family versus buying one lets those individuals know that they are very special to you. No matter what you want to say to someone, it can be much more meaningful when using personalized stationary as a beautiful backdrop for those pearls of wisdom that you wish to pass to others.

Are you one of those people who write winter holiday newsletters to the family every year? You might want to use personalized stationary to liven it up for those receiving them. Such family letters can be a treat for the eyes, and become keepsakes when written or typed on holiday personalized stationary. Send those Christmas and other winter holiday newsletters to your relatives and inform them on how you are doing with your own personal beautiful touch.

Mother’s Day will be here in May and many are considering using personalized stationary to create a loving and special gift for a woman that means the world to you. Express how thankful you are of your mother in a heartfelt letter on personalized stationary that she won’t see anywhere else. Thank her for bringing you into this world, for teaching you all that she has, and for all of the sacrifices she has made for you that have meant so much to you in your life. This is a gift from your heart to hers to be treasured forever.

Seniors graduating from high school with many hopes and dreams would appreciate receiving a special message from you to mark this milestone achievement in their lives. Give the message that you send them an extra sparkle with the use of personalized stationary made just for commemorating this popular occasion.

Many impending birth announcements and baby shower invitations made using personalized stationary featuring babies and baby accessories on them end up in family albums as cherished keepsakes. Congratulate new parents on the arrival of their precious bundle of joy with a note from you inscribed on baby-themed personalized stationary.

If you are a guy who struggles with what gift to get your sweetheart on Valentine’s Day or in celebration of your wedding anniversary, make the occasion even more special to her by buying a complete set of beautifully designed stationary for her. Open the package and write, “I love you” or another personal message, on the first page, or inside the box cover, before wrapping it up and giving it to her.

Including a special message with your wedding gift to the bride and groom, is a popular occasion for using personalized wedding stationary. Your gift will stand out from other gifts, because of the personal message that you send them. Many wedding related stationary items exist for use in making memorable wedding announcements, invitations, reception details, thank you cards, and so forth.

Losing a loved one is never easy. People who have just experienced the loss of a family member are often in a state of shock and disbelief. They may be unaware of the people around them and the words of comfort they try to offer to them, as they begin the grieving process. Writing a note or letter of sympathy, comfort, and hope on personalized stationary allows them to read your thoughts and loving concerns now, and to keep them to look at later when the rawness of this sad reality of life wanes. Sending messages on personalized stationary for remembering and honoring loved ones on the anniversaries of their passing, to those who loved and will miss them the most, is a touching gesture from you to the people that you care most about.

You can use personalized stationary even when just sending a note to say hi to a friend. They will certainly enjoy getting such personalized letters from you. You can turn any occasion into a popular reason to send special messages on personalized stationary from you to the people in your life that matter to you the most. Stock up on different styles of personalized stationary to send special messages to others on the occasions that you want to send messages out to others on.

Article Source:
http://www.articlecity.com/articles/family/article_3000.shtml