Superior four-bedroom house on the market in Inishowen for €375,000

first_imgA superior four bedroom large house with detached garage in the exclusive village of Fahan and with beautiful sea views over Lough Swilly, Fahan Marina, Inch Island and surrounding countryside is on the market for under €400,000.These properties are the Inishowen peninsula’s most upmarket address. They are located in Inishowen most prestigious village and continue to be the gold standard of a house in this region. Fahan has been sought after for many years because of it€TM beautiful sandy beaches, marina walks, restaurants, sea & countryside views and proximity to Derry, Buncrana & Letterkenny.The property was built around 2005 and is of solid construction.It is built in the Georgian style and really should be viewed to be appreciated.Measuring in total ca. 3195 sq ft. The ground floor accommodation includes 2 large reception rooms, a study or 5th bedroom, WC, kitchen, utility room, pantry and conservatory/dining area.Upstairs are four double bedrooms (two with en suite) and a main bathroom. Superior four-bedroom house on the market in Inishowen for €375,000 was last modified: April 22nd, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

Seeing Red on a Green Property Appraisal — Part 2

first_imgWhat are you willing to give up?Without the money to finance the up-front cost of green enhancements, the borrower may be forced to decide among competing priorities. What to give up: Upgraded kitchen cabinets? Imported granite countertops? Backyard deck? Garage? Thicker walls for higher R-value insulation? Triple-pane windows for double-pane? Geothermal HVAC? Photovoltaic or solar thermal systems? RELATED ARTICLES Green Building Appraisal and Financing IssuesGreen Home Appraisal WoesA Step Toward Fairer Green Home ValuationsWhen Green Poses an Appraisal ProblemGetting a Grip on Green-Home Appraisals and InsuranceQ&A: Bad Appraisal on a New Green HomeQ&A: Refinance and Appraisal of Net-Zero Home Kicking the Tires on a Passivhaus ProjectGoodbye Radiant FloorSelecting a General ContractorPlans and Pricing for Our House in MaineLooking Through Windows — Part 1Looking Through Windows — Part 2Looking Through Windows — Part 3Looking Through Windows — Part 4Looking Through Windows — Part 5Looking Through Windows — Part 6Looking Through Windows — Part 7Designing Superinsulated WallsCutting Down Trees and Milling LumberA Visit to the Local SawmillSeeing Red on a Green Property Appraisal — Part 1Seeing Red on a Green Property Appraisal — Part 3 That’s a tough call for many people, even for those who want to go green. Green enhancements are often invisible — you can’t see the extra insulation; a window is a window. Yet it’s easy to fall in love with very visible upscale kitchen appliances, custom draperies, or the lovely landscaping. These amenities provides an immediate, visceral connection of quality and beauty, while the former is invisible to the casual observer. [Editor’s note: Roger and Lynn Normand are building a [no-glossary]Passivhaus[/no-glossary] in Maine. This is the 16th article in a series that will follow their project from planning through construction.]If you have read my previous blog (“Seeing Red on a Green Property Appraisal – Part 1”), you know that the appraiser failed to list or value any of the green/energy efficient aspects of EdgewaterHaus. Does it matter?Absolutely!Most borrowers include the cost of the green enhancements as part of the overall construction cost. They then get a loan to cover some or all of the up-front construction cost. If the appraisal doesn’t value the green enhancements, the lender will likely reduce the value of the loan accordingly, particularly if the borrower is already at the maximum loan to value amount. It’s the “no tickee, no laundry” syndrome. BLOGS BY ROGER NORMAND center_img The first article in this series was Kicking the Tires on a Passivhaus Project. Roger Normand’s construction blog is called EdgewaterHaus. Immediate gratification or delayed gratification?Some green enhancements — like a tighter building envelope or a PV system — provide an economic benefit, but the payback period extends over a period of years. I’m not a sociologist, but I think most Americans prefer immediate versus delayed gratification. So they opt for the lovely imported tile floors — and so what if they spend $100 a month or more on utilities?I should also clarify shades of “green” here. Good for you if you are going to replace incandescent bulbs with CFL bulbs, or use Energy Star appliances. Just don’t expect the appraiser to note or value that.These are “typical” upgrades. I am talking about more substantial improvements, like additional wall, ceiling or sub-slab insulation beyond minimum code requirements. And while use of sustainable materials is noble for the environment, I suspect somewhere between few and not many individuals would be willing to pay more for a home that includes sustainable materials. Perhaps more importantly, there is really no way for the appraiser to objectively quantify the marginal market value of these materials.So go for sustainable materials; just don’t expect them to be valued in the appraisal. Suggestions for those facing an appraisalIn my web research, I found many articles written about the failure of property appraisers to equitably value green construction, but few suggestions on how to increase your chances of getting an appraisal that equitably values “green,” or how to challenge one that failed to do so.So here are my suggestions freshly culled from the school of hard knocks. I wish I knew then what I have now learned through experience and research.1. Work with a lending institution that sees real value in “green.” Lenders who value green construction may be just as scarce as green appraisers. It will likely be an easier case if you will be building or substantially remodeling a home to a nationally recognized LEED, Energy Star, Passive House green standard. Talk to the lender about whether they will support your green efforts before applying for the loan. If not, walk!You want the lender on your side if your wanna-be green appraisal turns you red, like it did with us. Our lender was extremely supportive, agreeing to discard at no cost to us an appraisal that valued our Passivhaus/LEED Platinum home as “typical” for energy efficiency. The bank then agreed to engage another recognized green qualified appraiser.2. Work with the lender to find an appraiser with green credentials. This can be tricky on many fronts. Lenders typically have a list of approved appraisers that they work with, and may be uncomfortable using an unfamiliar appraiser. Under new federal loan standards, neither you or the loan officer has any say in which of the approved appraisers will be selected. But you can suggest to the lender individuals from nationally recognized appraisal organizations that have demonstrated green skills.One such organization is the Appraisal Institute (AI), a global membership association of professional real estate appraisers with more than 24,000 members throughout the world. AI launched a Green Valuation Program in January 2011 to “educate appraisers on the intricacies of valuing high-performance residential and commercial buildings.”AI maintains a registry of individuals who have completed courses in residential and/or commercial courses in its Valuation of Sustainable Buildings program. Find out which appraisers in your region have completed these courses and suggest to the bank that they select one of these individuals. Fortunately for us, our bank agreed to employ one of the two AI members in our area with green credentials, even though they had never used him before.3. Make sure the appraiser is properly armed with all the green features in the home. Don’t let the appraiser guess or assume he/she will realize all the features. Lead the horse to water and hope he will drink it!Be sure the architectural drawings fully identify the green features. Ditto with the list of construction specifications. The appraiser should have access to all the drawings and specifications, and you should be suspicious if none are requested.Provide the appraiser with a summary, brochure, web link or other reference material that explains the green construction standards you plan to meet. Offer to discuss the green specifics with the appraisers. Even better is to have the builder or architect discuss the green features with the appraiser.Be specific, polite, and professional. And remember that the appraiser’s job is assess the VALUE on the property based on what other individuals are likely to willing to pay. So emphasize the economic benefits of energy efficient aspects.4. Take a deep breath and wait for the appraiser to prepare the appraisal.My next blog will discuss how the appraiser should recognize the green features of the home, and different approaches on valuing green.last_img read more

Englishman Stephen Constantine prepares Indian football team for Busan Asian Games

first_imgKick off: Stephen Constantine is Indian soccer’s hopeIs he a guus hiddink come to rescue Indian football from obscurity? Englishman Stephen Constantine, the new coach of the national football team, is preparing the country’s Under-23s for the Busan Asian Games in September.Those familiar with the soccer scene in India would,Kick off: Stephen Constantine is Indian soccer’s hopeIs he a guus hiddink come to rescue Indian football from obscurity? Englishman Stephen Constantine, the new coach of the national football team, is preparing the country’s Under-23s for the Busan Asian Games in September.Those familiar with the soccer scene in India would call it a thankless task. But the All India Football Federation (AIFF), which gave Constantine the top football job, is expecting the 39-year-old to up India’s rank from 23 out of 40 soccer-playing nations in Asia, and get a team sitting idle since the pre-World Cup qualifiers up and running for a string of major matches.Next month, Constantine’s boys will be in a six-nation tournament in Vietnam; then Busan, the 2003 Asian Cup and the Olympics the year after. “The team hasn’t played for a long time, so fitness is a concern,” says the new coach. “I will also be giving our players new ideas.”One of only two FIFA instructors in England, Constantine has coached teams in England, Cyprus, US and, more recently, Nepal.”He doesn’t have an exceptional CV,” says AIFF Honorary Secretary Alberto Colaco. “But he has an amazing will to succeed.”Just what the team needs.last_img read more

Rain or Shine makes semis, rolls past NorthPort

first_imgPrivate companies step in to help SEA Games hosting “Before the game started, i told the players the only thing I’m worried about is the first quarter because we haven’t played for at least three weeks,” said ROS head coach Caloy Garcia.“I told them at any given time, you just have to step up.”FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logisticsGarcia’s worries came true after Rain or Shine got off to a slow start but it didn’t last long with Nambatac sparking a strong second-quarter showing.Nambatac scored six of his 14 points in the second period while Daquioag and Mocon finished the game with 15 and eight points, respectively. As Final Four nears, La Salle sets sight on No. 2, twice-to-beat View comments Don’t miss out on the latest news and information. Philippine Arena Interchange inaugurated Hontiveros presses for security audit of national power grid Panelo: Duterte ‘angry’ with SEA Games hosting hassles MOST READ LATEST STORIES Duterte wants probe of SEA Games mess Photo by Tristan Tamayo/INQUIRER.netRain or Shine got a lift from its bench to breeze past NorthPort, 91-85, Sunday and book the first ticket to the 2019 PBA Philippine Cup semifinals at Mall of Asia Arena.Ed Daquioag, Rey Nambatac and Javee Mocon came off the bench and combined for 37 points as the Elasto Painters took a double-digit lead in the second quarter and never looked back.ADVERTISEMENT Cayetano: Senate, Drilon to be blamed for SEA Games mess SEA Games hosting troubles anger Duterte DA eyes importing ‘galunggong’ anew Sports Related Videospowered by AdSparcRead Next PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krausslast_img read more

a month agoBorussia Dortmund winger Sergio Gomez defends Barcelona attacker Dembele

first_imgAbout the authorCarlos VolcanoShare the loveHave your say Borussia Dortmund winger Sergio Gomez defends Barcelona attacker Dembeleby Carlos Volcanoa month agoSend to a friendShare the loveBorussia Dortmund winger Sergio Gomez insists Ousmane Dembele can be a success at Barcelona.Dembele will face his old club in the Champions League tonight.Gomez, formerly of Barca, was asked about Dembele’s problems at the Nou Camp.He told Sport: “Dembélé is a player who has given a lot to Borussia. With (Thomas) Tuchel, he learned a lot. And thanks to that, he is now in Barça. “Why does it not work in Barça? These are different championships. I do not know what problem Dembélé has. But he is a very good player, young and I am sure that in the years to come, he will be one of the greatest.” last_img read more

16 days agoWenger has Arsenal warning for Emery

first_imgWenger has Arsenal warning for Emeryby Paul Vegas16 days agoSend to a friendShare the loveArsene Wenger has told his successor Unai Emery that he has a responsibility to play attractive football as Arsenal manager.Speaking to Goal on Monday night, Wenger has some words to say about the current Arsenal side and Emery.“I’m not here to judge coaches, I am a supporter of Arsenal Football Club so I just support [Unai Emery],” the unemployed 69-year-old said.“I hope that he can win the games and plays a type of game that I like.“I think a club like Arsenal is a huge responsibility and one of the responsibilities is to play attractive football.“After that, I think the most important thing is to support the team, the club and win games.” TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img read more