Thursday, March 27, 2014

WHY ARE MY CERAMIC TILES POPPING FOR NO REASON???

This is what I have been able to Google and find out.

One situation that can develop is if tiles are laid onto concrete before it has had time to completely cure. The general rule of thumb is to allow one month to cure per 25mm of thickness of the concrete slab. Even then, the average house slab can take up to two years to completely cure (and shrink). If this movement is not allowed for by using the correct adhesives and including expansion joints, something has to give. This is sometimes called TENTING. There have even been reports of tiles exploding unexpectedly. This is due to extreme lateral pressures as the walls and floors move in different directions. Nobody is expecting their tiles to explode!
Generally speaking, "tenting" does not happen overnight. Usually, it rears its ugly head about six months after the slab is poured or sometime after seven years. There's always some evidence that there has been movement in the slab.

Regardless, it's always a good idea to put soft joints in the installation OR EXPANSION JOINTS.  You don't want to have a soft joint everywhere, just every so often. A good frequency is to separate the floor into 3 x 3 meters (10' x 10') areas and do the perimeter of them. You still keep the open space between the walls – do NOT fill those voids.

In six months, the slab has achieved most of its cure. After 7 or so years of being dry, the slab acts a little differently as far as expansion rates go.

I'll try to add a little humor into all of this.  If you took a 4" thick Christmas fruit cake and left it in the pan for a few months, the top would likely get very hard by June. But if you were to cut into it, you might find that there was moist cake down below...or even in the middle.*

It would only make sense that the tiles coming up are in the center, since we usually have  a perimeter space. That's where the most stress is without a release.

So, for Guam - - we probably have the following ingredients that make us even more susceptible to tenting:

1. Lack of initial building codes and regulations, inspections and overall lack of excellence in building since a lot of this work was done probably by migrant workers.

2. More than our share of earthquakes and tremors – at lease 2-3 dozen a year.

3. The change in temperatures within any 24 hour period.   Most people do not leave their A/C’s on all day while they are at work.  Therefore, units get hot and moist during the day and start cooling off when people start coming home and throughout the night.

4. Our massive amounts of rain and high humidity doesn’t help either.
For more information:



 Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability.

Avoiding Tax Scams & Identity Theft

(reprint from: CBN Legacy- so interesting!! )


Frank T. Nico - ChFC® CASL®
CBN Director of Planned Giving
Legacy & Retirement Coach
Chartered Financial Consultant

Proverbs 18:15 "The heart of the discerning acquires knowledge; the ears of the wise seek it out."

Saturday, March 22, 2014
Source: Crescendo Interactive, Inc. www.CBNLegacy.org  

Please forward your comments, questions or requests by replying to this e-newsletter or sending your e-mail to Frank.Nico@CBN.org.

Tax Refund Theft
A common strategy for an identity thief is to obtain the target's name, date of birth, Social Security Number and other personal identification from public internet sites. The identity thief then attempts to file a tax return during January or February before the victim files. The identity thief often requests a tax refund that is loaded on a pre-paid debit card.

An IRS Special Agent in charge of IRS criminal investigation stated, "Identity thieves have figured out that if they can obtain your Social Security Number they can file false tax returns with the IRS. It does not matter your political position, economic status, or social standing, you are susceptible to identity theft.”

The IRS Identity Protection Specialized Unit is available for phone contact by identity theft victims at 800-908-4490, ext. 245. The IRS Unit is available Monday through Friday from 7:00am to 7:00pm EST.

Avoiding Tax Scams
Each year the IRS publishes the "Dirty Dozen" potential scams that could victimize American taxpayers.

Taxpayers should be on the lookout for tax scams using the IRS name. These schemes jump every year at tax time. Scams can be sophisticated and take many different forms. Use caution when viewing emails, receiving telephone calls or getting advice on tax issues.

The top five tax scams this year are identity theft, phone fraud, fake websites, "free money" refunds and unscrupulous tax preparers.

1. Identity Theft – The identity thief typically acquires your name and Social Security number and is an early filer. He or she attempts to file a tax return with your identity and obtain a large refund. The IRS reported a 70% increase in identity theft tax fraud investigations in 2013. It has substantially increased its efforts to address potential identity theft and tax fraud. If you believe you have been a victim of identity theft, call the IRS Identity Protection Specialized Unit at 800-908-4490. There also is information on identity theft on www.irs.gov.

2. Phone Fraud – There are scam phone callers who claim to be from the IRS or state government. Typically, they will use common names and claim that you owe taxes. If you do not immediately pay taxes to them, they threaten to revoke your driver's license or take other action. Frequently, the first person hangs up and within five minutes a second caller claims to be a police officer or from the Department of Motor Vehicles. He or she confirms the first message and demands payment. The IRS has a protection line at 1-800-829-1040. If you think you have been called by a fraudulent person claiming to be from the government, you also can use the FTC Complaint Assistant at FTC.gov.

3. Fake Email or Website – Phishing is the computer term for sending a fake email with a link to what claims to be a government website. The goal of the sender is to persuade the person to click on the link and then enter personal information. Using a Social Security Number or banking information, the sender then can commit identity theft or financial theft. Taxpayers need to understand that the IRS will not contact them by email. Unsolicited email is not from the IRS. Anyone who receives a "phishing" email should forward it to phishing@irs.gov.

4. "Free Money" Refunds – Some scammers will use fliers, ads, store fronts and word of mouth to claim that everyone can receive large refunds. Many scammers have used informal networks such as community groups or church groups to promote their service. They claim that everyone should receive a substantial "free money" tax refund.

The scammers prepare tax returns with inflated deductions and improper credits. The victims pay a substantial fee and file the return to claim their large refund. Unfortunately, IRS income levels affect distribution of various Social Security, veterans, low-income housing and other government benefits. As a result, some individuals have experienced an interruption in their other government payments because they improperly reported their income. Taxpayers should be on guard for preparers who charge a large fee and do not provide a copy of the tax return.

5. Unscrupulous Tax Preparer – Most tax preparers are honest persons. However, some regularly commit refund fraud. They either do not report the correct income or claim improper deductions or credits. The tax preparer is required to include the IRS Preparer Tax Identification Number (PTIN) on the return. If the tax preparer is improper or abusive, the taxpayer should file IRS Form 14157, Complaint: Tax Return Preparer. This may be downloaded on irs.gov.

For more information check these IRS sites:





Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability.


Wednesday, August 21, 2013

Misconceptions about Guam - www.horizonpropertiesguam.com









Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability.

New Missile Defense sent to Guam - www.horizonpropertiesguam.com










Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability. 

Friday, August 16, 2013

Tax Break: Buy Your Parents Home and Rent it Back to Them - www.horizonpropertiesguam.com





Tax Break: Buy Your Parents Home, 
Rent it Back to Them





Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability. 
 

Thursday, February 14, 2013

2013 Tax Tips - www.horizonpropertiesguam.com


Be informed and ready with your taxes, with these informative 2013 Tax Tips:


Don't-Miss Home Tax Breaks:


9 Easy Mistakes Home Owners Make on Their Taxes:


How to Deduct Your Mortgage Interest & Equity Loan Costs:


6 Home Deduction Traps and How to Avoid Them:


What You Can and Can't Deduct When You Work From Home:



Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability.

Monday, January 7, 2013

Realtors® Recognize Innovative Ideas from School of the Future Design Competition Winners - www.horizonpropertiesguam.com


Media Contact: Leanne Jernigan / 202-383-1290 / Email
WASHINGTON (April 27, 2012) – Six teams of middle school students participating in the annual School of the Future Design Competition were in Washington, D.C., this week displaying their plans to design environmentally responsive schools that enhance learning and engage the surrounding community. The competition encourages students from all over the world to work in teams to plan and design a school that will improve the learning environment and the facility’s energy efficiency, as well as be sensitive to the environment. This year’s winners were announced last night during an event held at the National Association of Realtors® building.
“Schools that foster student achievement, conserve resources and enhance the surrounding community are vital to every neighborhood nationwide,” said NAR President Moe Veissi, broker-owner of Veissi & Associates Inc., in Miami. “Realtors® care deeply about improving communities and these creative designs produced by six outstanding student teams do just that. Along with Realtors® in every community, I am honored to recognize each team in the School of the Future Design Competition.”
Each student-led team is required to submit a project model made from recycled materials, a short video or presentation, and a 750-word narrative description outlining the planning process and the reasoning behind their design. Six finalist teams receive a trip to D.C. to present their projects to the national design jury. The School of the Future Design Competition is part of School Building Week, April 23–27. The week is sponsored by NAR and the Council of Educational Facility Planners International along with the U.S. Environmental Protection Agency, the American Institute of Architects, the American Federation of Teachers, the National Education Association, the U.S. Green Building Council and more than 20 associations and private companies.
This year the Awards of Excellence went to Teeland Middle School in Wasilla, Ala. and Imago Dei Middle School in Tucson, Ariz. The Awards of Distinction went to Highfield Humanities College in Blackpool, United Kingdom. Seneca Middle School in Macomb, Mich.; University Middle School in Waco, Texas; and Newtown Middle School in Newtown, Conn. received the Awards of Merit.
The Teeland Middle School team received $2,000 in conjunction with their Award of Excellence. The team’s school of the future is designed on a landfill and constructed of carbon nanotubes, a strong material synthesized from carbon-rich compounds such as plastic. The interior walls would be covered in solar wallpaper and made of landfill-mined materials. Each building would have vegetative roofing that helps insulate the structure and collect storm water. The school would also house students in a dormitory, offer classes to get students interested in various career paths and a gym and pool that are open to the entire community.
A second Award of Excellence and $2,000 prize was given to the team from Imago Dei Middle School. Their plan is a school designed for the children of Niger in West Africa. The plan calls for using local resources such as plastic bottles and bamboo and is mainly powered by solar components. The structure would use natural light and shade sails of woven bamboo to provide relief from the extreme heat. The students also designed a portable school made out of the same materials as those for the permanent structure. The portable school would allow children to attend classes who cannot travel to the main campus.
The only international student-led team, Highland Humanities College, was presented with the Award of Distinction and awarded $1,500. The students’ unique design consists of a building built inside a sand dune on the seafront. A side of the building is made of glass so that at high-tide the sea covers the building, allowing students to observe sea life. Students could also sleep overnight at the school in individual pods. The entire building would be powered by renewable energy, as well as wave and wind power.
Three schools received the Award of Merit and a $1,000 prize. Seneca Middle School’s design is located in a historic Ford Motor factory and focuses on community recovery, as well as engaging students’ senses with technology and hands-on activities. University Middle School maximizes solar energy through solar panels on the roof of their school, as well as rooftop gardens allowing students to harvest food. Newtown Middle School’s design consists of a central campus surrounded by a 10 acre orchard and two community gardens. School buses would also be equipped with gasoline filters that reduce emissions.
The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries.

Horizon Properties Inc. is Guam’s leading real estate services provider and property managementcompany. We work diligently to fulfill the requirements of buyers and renters, while working towards a smooth, hassle-free transaction for sellers. Our innovative and “customer first” approach towardsproperty management results in outstanding property care and profitability.