Situs Slot Deposit Dana 5000 Tanpa Potongan Paling Gacor 2022

Situs slot gacor 4D hari ini terpercaya no.1 di setiap harinya memberikan jackpot besar-besaran untuk dapat mendapatkanya anda harus memperhatikan pola dan jadwal bocoran slot gacor. Adanya keuntungan seperti bonus atau promo ini jelas membuat member atau pemain tidak hanya akan memperoleh keuntungan setelah menang main judi slot saja. Maka dari itu, agar anda bisa memperoleh banyak keberuntungan dan kepuasan dengan permainan slot terlengkap mudah menang, di situs judi slot terpercaya dan resmi bisa anda realisasikan semuanya. Terlebih lagi, semua permainan slot terbaru dan terlengkap dari situs agen judi slot online terpercaya Slot88 bisa anda mainkan cukup dengan hanya menggunakan 1 buah akun saja.

Anda dapat melihat slot online gacor melalui social media seperti facebook dan youtube. Jika sudah mendapatkan 1 atau 2 permainan judi slot online dapat langsung di praktekan dalam kegiatan perjudian anda di situs slot gacor 4D hari ini terpercaya no.1. Situs judi slot online mudah menang ialah kategori game taruhan yang tergolong lumayan mudah guna di mainkan. Dalam permainan judi slot ini hal keberuntungan cukup dominan untuk menemukan kemenangan bilamana main slot online.

Karena, Agar para member dapat memenangkan jackpot lebih enteng buat dicapai dan meraih rasa kenyamanan saat bermain di situs slot resmiIndonesia Slot online. Game slot yang dimainkan di website kami cenderung sangat aman 100% sebab semua aktivitas seperti keamanan data pribadi ataupun hal dengan mengenai data sensitif sangat dijaga kerahasiaanya lewat server canggih terbaru milik kami. Ini menjadi keuntungan karena keamanan sangat terjamin dengan kata lain anda tidak perlu khawatir lagi untuk mulai bertaruh di situs slot resmi ini. Situs slot gacor terpercaya pastinya akan memberikan beragam bonus besar dan menarik yang bisa anda dapatkan dengan mudah setiap harinya.

Jika sudah, maka Anda tinggal menekan tombol daftar yang terter dibawah formulir. Tunggulah sekitar satu hingga dua menit untuk proses nya, hingga akun slot demo online Anda siap digunakan. Mencari dan memilih situs demo slot yang terpercaya dan resmi merupakan sebuah langkah awal Anda jika ingin memainkan demo slot.

Atau ingin lebih mudah mendapatkan kemenangan adalah dengan memilih taruhan togel 2D. Terbilang merupakan produk terbaru dalam dunia betting, tetapi flow gaming telah memiliki puluhan game slot menarik yang siap anda mainkan. Setelah bekerja sama dengan Slot gacor, rtp yang diberikan oleh pihak flow gaming sangat tinggi. Sehingga kesempatan menang para bettor sangat terbuka lebar dan dijuluki provider slot paling gacor dalam slot online. 17 Tipe provider slot ditawari untuk member, dan member slot depo DANA bebas bermain di slot mana yang diinginkan.

Namun, Sebagian besar informasi yang tersedia dari situs taruhan slot Thailand no 1 pasti benar & dapat diandalkan. Terdapat banyak penipuan yang akan membuat bosque bonco & kehilangan uang waktu main slot Thailand no 1 yang sah. Sebab kami slot Thailand no 1 cuma mengizinkan bosque buat membaca & menggunakan informasi dengan hati-hati. Sebab itu, Daftarkan nama situs slot Thailand no 1 penipuan & cuma mainkan situs slot Thailand no 1 palsu. Memberikan kualitas layanan merupakan prioritas utama tujuan situs kami berdiri, layanan yang terbaik menjadikan situs slot gacor menjadi pilihan tepat untuk anda yang ingin mencoba keberuntungannya untuk bermain slot gacor. Bersama kalian akan memperoleh sensais bermain judi online bocoran slot gacor yang paling berlainan, tentunya benar-benar rekomen sekali dech!!

Tentu tidak hanya informasi seputar permainan slot online gacor saja, para penonton bisa mendapatkan give away dari channel atau live streaming youtuber tersebut. Biasanya give away yang dibagikan itu seputar freebet, freechip dan kaos premium. Keuntungan itu akan anda dapatkan dengan mudah hanya mengikuti peraturan dari moderator channel youtube live slot tersebut. Tentu saja anda harus mencari channel live streaming yang berkualitas dan sudah terpercaya karena akan banyak sekali hadiah yang di berikan kepada penonton setianya.

Tidak perlu proses berbelit-belit, maka kamu sudah bisa dengan segera bermain judi online maupun slot gacor. Pertama datang dari game situs slot Pragmatic Play, yaitu Gates of Olympus di slot online yang memiliki tema tampilan latar belakang tentang Mitologi Dewa Yunani. Slot online gacor ini menggunakan gulungan berukuran 6×5 dengan Paylines Win All The Ways dan fitur Cascading yang bisa membuat pemain meraih kombo kemenangan dalam satu Spin.

Melihat dari kumpulan nama – nama situs judi slot online terpercaya, Slot gacor memberikan promosi terbesar yang bisa anda klaim baik bagi new member atau member lama yang telah bergabung. Promosi yang diberikan bukan basa basi, dimana para pemain bisa mengklaimnya dengan syarat yang wajar. Contohnya welcome bonus slot 1200% yang bisa diklaim oleh new member untuk mendapatkan keuntungan berlimpah bagi para member.

Sumber :

  1. slot online
  2. situs slot online

Memory Mastermind Mod APK Download

The download is as direct as our speed and we provide direct links to all available versions of Technical Masterminds APK for free. To make this possible, the following steps are largely the same. You can go to “Download” in your browser and tap once on the downloaded file. There you will have to wait for some time to load the content. Then tap on the button to run it, this option is available in the security settings of your Android mobile phone. Find top 10 technical masterminds heating problem apps and Games for your Android device.

The application, games and all other information presented on this website is intended to familiarize users with content that may be of interest to them. Technical Masterminds Apk Live TV IPL app offers its users the ability to watch 20 online IPL 2020 without paying for it. Last year the IPL broadcast was free, but this year users will have to pay a certain amount to watch IPL 2020 watch online. If you do not have money, you can download the app and watch or listen to free IPL IPL comments. While APK files are easy to install, they may not always be useful or secure. Users should be careful when downloading APK files as it may be a stolen or illegal application.

This review must have met all your questions about the Technical Masterminds Apk. Download and enjoy this amazing app for Android and PC now. If you like the Technical Masterminds Apk, please share it with your friends and family.

Type in the search toolbox, technical mastermind application. After reading this entire post you will get to know a lot about aman lalani and you will know technical masterminds biography. New Article is Posted Everyday on technical mastermind. If you are an android user, go to the google play store. The portal has also released the APK link to the Live TV IPL app. However, we recommend that you use the premium app to watch your favorite IPL game.

Download Technical Masterminds Users of the Live TV IPL app can watch the 2020 IPL without spending any money online. The IPL broadcast was free last year, but this year viewers will need to fork out some cash to watch the IPL 2020 online. You can download the app and watch or listen to free IPL IPL commentary if you don’t have any money. A website called Technical Masterminds Apk offers information on the 2020 IPL, premium movies, no-cost Android games, Jio dates, live TV, and other topics. The portal offers distinctive and reliable technological knowledge. Bestforandroid.com needs to review the security of your connection before proceeding.

Geographical Information Systems are more valuable in today’s society than ever before. We use them everyday when getting directions on our phone, gps or computer. GIS is also used in companies, to produce maps that compile massive amounts of data into a simple and easily understood picture. If so, you’ll be surprised to know they are considered among the most fascinating technological developments of modern times. This assessment answers all your questions about Technical Masterminds Obtain, now attain and enjoy this terrific app for Android and PC.

Today, many people use the Technical Masterminds Apk live TV application for the 2020 IPL. We will study Technical Masterminds Apk in this article, particularly live TV IPL applications. Now, a lot of people desire to watch the IPL live on television. Ask for a tax return or request access to their dashboard. If it’s an ecommerce store get a transaction report. Is best application where you can get all the thing at one place.

Source :

technical masterminds

technical mastermind

Situs Judi Slot Deposit DANA 10 Ribu Tanpa Biaya Potongan

Kalian bisa langsung saja memilih 3 metode deposit diatas, bisa melalui pulsa, e-wallet atau juga melalui bank local yang disupport seperti BCA, BNI, Mandiri, dan juga BRI. Untuk metode deposit lainnya kalian bisa langsung bertanya atau menghubungi customer service yang sudah kami sediakan yaitu livechat yang online 24/7. Yuk gabung saat ini termasuk dan menggapai hadiah yang besar hingga puluhan bahkan ratusan juta rupiah. Seperti yang dapat kita bahas selagi ini, terdapat lebih dari satu target serta manfaat di dalam bermain judi slot online. Kami termasuk sudah merangkum lebih dari satu manfaat yang sanggup anda dapatkan di dalam main game mesin slot resmi. Cerita yang menyebar cepat tersebut membuat semua orang ingin ikut mencoba bermain judi Slot Gacor online.

Jadi cara agar anda bisa mendapatkan bonus dan promo adalah anda sering sering masuk ke situs dan bermain disini, anda akan mendapat banyak keuntungan yang pastinya membuat anda semakin semangat bermain disini. Kami memiliki saluran layanan pelanggan terbaik yang tersedia 24 jam sehari, 7 hari seminggu untuk membantu Anda yang memiliki pertanyaan tentang cara bermain di situs kami. Kami juga membantu pembayaran melalui deposit slot via pulsa antara lain Telkomsel, Indosat serta XL. Lucky lions adalah game slot dari provider habanero dengan tema barongsai yang mana merupakan simbol pembawa keberuntungan. Tetapkan Anggaran – Sebelum Anda mulai menempatkan game apa pun, putuskan berapa banyak yang ingin Anda belanjakan per malam.

Gem tersebut apabila muncul berurutan maka kalian akan mendapatkan sejumlah uang. Yang membuat seru adalah disebelah kotak 3×3 tersebut ada kotak sebesar 1×3 yang merupakan multiplier jackpot kalian. Multiplier tersebutlah yang menyebabkan kalian bisa dapat jackpot slot online hingga ratusan juta rupiah! Permainan slot aztec gems ini tidak kalah dengan slot mahjong ways yang sedang naik pamor. Permainan keterampilan, yang dikenal sebagai permainan arcade, adalah salah satu tujuan dari para member yang menggemari permainan konsol. Tema yang disajikan dalam game arcade ini biasanya disertai dengan grafik yang lucu dan menarik serta kualitas gambar terbaik.

Kini telah terselip ribuan ragam permainan judi slot gacor yang dapat Anda mainkan di web judi slot terpercaya. Dengan donasi kaum perseroan distributor game slot gacor terkenal yang menyusun slot gacor menjadi bandar judi slot online gacor. Ditambah tengah layanan service serta media yang berbobot menurunkan segenap pemain merasa nyaman kala bermain maka menambah keadaan untuk menggabai keuntungan. Slot gacor 2022 terbaru gampang menang i menyediakan permainan slot resmi dengan provider terlengkap dengan rtp slot 99%. Slot gacor 2022 membuatkan pengalaman baru dalam bermain Judi Slot Online dengan memakai ide One Berhenti Betting yang lebih aman dan nyaman untuk Anda.

Untuk itu kami sebagai bandar slot deposit pulsa tanpa potongan akan berusaha semaksimal mungkin memberikan layanan terbaik dan bertanggung jawab penuh untuk semua hak pemain slot online deposit pulsa tanpa potongan. Menjamurnya beberapa tempat judi slot mesin, membuat pihak berotoritas menutup seluruhnya aktivitas ini. Hingga dalam rentan setahun lebih permainan ini mulai dilalaikan serta lenyap nama besarnya. Bertumbuhnya judi online Indonesia buat taruhan sportsbook serta kasino membuat provider slot mengambil kesempatan besar ini buat menerapkan mesin permainan slot ke slot online.

Jadi langsung saja daftar di situs daftar slot online deposit pulsa resmi dan Terbaru 2022. Hingga saat ini, WM Slots telah bermitra dan bekerja sama dengan banyak casino online terbesar di seluruh dunia, yang memungkinkan mereka untuk menawarkan slot dan permainan casino paling menarik. Dengan mendaftar di website AGAM Slot303, Anda juga bisa menjadikan WM sebagai pilihan terbaik untuk bermain game judi slot online gacor. Slot deposit pulsa merupakan sebuah situs judi JILI yang resmi terbesar terpercaya di Indonesia menggunakan uang resmi untuk bermain dengan metode deposit pulsa tanpa potongan sedikit pun.

Judi togel online sudah sangat populer sejak lama karena para bettors bisa memenangkan jutaan hingga ratusan juta rupiah hanya dengan menebak angka. SLOT88 menawarkan berbagai permainan judi togel online yang mudah untuk dimenangkan dan wajib dimainkan. Untuk anda para bettor sangat diperlukan sekali dan perhatikan jika bermain judi slot harus bermain dengan sabar maka anda bisa bermain penuh fokus untuk meraih kemenangan bermain. Apabila anda mendapatkan kekalahan maka anda harus menerima dan jangan pernah berputus asa, jadikan kekalahan menjadi sebuah pelajaran berharga kalian. Bermain juga perlu sekali untuk mengontrol emosi jangan terlalu nafsu dengan apa yang anda mainkan.

Sumber : 

QQ188
judi slot online
slot online terpercaya

Free Spin dan Banjir Scater Dalam Judi Slot Online Merupakan Taktik Licik Dari Bandar Untuk Sedot Habis Saldo

Memberikan kualitas layanan merupakan prioritas utama tujuan situs kami berdiri, layanan yang terbaik menjadikan situs slot gacor menjadi pilihan tepat untuk anda yang ingin mencoba keberuntungannya untuk bermain slot gacor. Game slot online ini sangat menarik dikarenakan karakter avenger hadir di game slot88. Dalam game avengers, anda akan dibuat nyaman dan juga nilai keuntungan dari perkalian dengan nilai fantastis ini sangat ditunggu-tunggu para pecinta slot. Bagi para pecinta taruhan slot online, mungkin ini salah satu game yang sangat menarik di Situs judi online24jam terpercaya 2022. Serunya dalam game 888, jackpot ini bisa turun kapan saja dan sangat sering terjadi.

Namun sulitnya mencari situs slot online uang asli yang fair 100% sangatlah sulit saat ini. Ditambah lagi banyaknya kasus penipuan agen judi online yang membuat para pemain pemula yang takut memulai bermain slot online gacor. Yang pertama para pemain tentunya wajib mengecek apakah situs judi slot online tersebut memiliki lisensi dan sertifikat resmi sebagai situs penyedia game slot online. Para daftar situs slot online uang asli ini sangat memanjakan para pemain, dengan bermodalkan smartphone Android atau IOS serta koneksi internet maka anda sudah bisa melakukan taruhan slot gratis dimana saja dan kapan saja.

Sehingga akan memudahkan siapa saja yang ingin mengakses taruhan judi slot88 gacor. Kami sangat menyarankan Anda untuk bermain slot di Slot88, yang merupakan situs game online paling terkenal yang tersedia saat ini. Slot Gacor Online adalah permainan yang menyediakan berbagai macam jackpot yang bisa Anda menangkan serta rasa memainkan permainan yang luar biasa saat Anda berjudi online. Hal terpenting yang perlu dipertimbangkan sebelum terlibat dalam game judi slot adalah menemukan agen Slot Gacor yang paling terkemuka, di mana Anda dapat bermain dengan nyaman dan aman di lingkungan yang aman. Untuk bermain di slot online terpercaya saat melakukan deposit rekan – rekan haruslah memiliki akun terlebih dahulu agar bisa mengakses semua game daftar & login link alternatif pulsa mobile.

Jika Anda benar-benar ingin menguangkan permainan dan menang besar maka Anda harus lebih strategis dan bijaksana saat memasang taruhan. Daftar judi slot pulsa Anda dapat mengadopsi beberapa strategi kemenangan Slot Deposit Pulsa Tanpa Potongan online yang akan memastikan bahwa Anda mendapatkan uang dari permainan situs Slot Deposit Pulsa Tanpa Potongan online Anda. Situs slot online terlaris CQ9 mempekerjakan lebih dari 200 anggota tim, tergolong insinyur perlengkapan lunak, seniman grafis, desainer game, dan berpengalaman matematika. Tujuannya ialah untuk menghasilkan permainan judi slot online menakjubkan dan menghibur serta bisa dimainkan di seluruh perangkat, tergolong desktop, laptop, ponsel, dan tablet.

Situs slot yang mudah menang yang sudah menjadi bandar situs khusus judi slot online di Asia dengan permainan terlengkap deposit pulsa yang di berikan oleh website Slot gacor Terpercaya. Merupakan penyedia layanan situs judi slot online terpercaya 2022 – 2022 yang sudah sangat diminati oleh masyarakat Indonesia. SLOT88 menjadi situs khusus judi SLOT88 terpercaya di indonesia yang terbaik sehingga kepuasan bermain akan tercipta dengan adanya info bocoran slot hari ini. Apalagi jika anda bergabung dengan agen resmi slot gacor yang popularitas terbaik di tahun 2022 saat ini. Pastinya anda akan beruntung dan dimanjakan dengan berbagai pelayanan yang tersedia. Bagi member, kamu akan mendapatkan semua game judi onlnie terbaru dari kami yaitu 1gaming, dengan tampilan yang baru dan ada fitur menarik, serta bonus jackpot slot online terbesar.

Sebelum memulai untuk melakukan pengunduhan kami sarankan para pengguna mengetahui terlebih dahulu ciri-ciri dari permainan penghasil uang tersebut. Transaksi menjadi sebuah keharusan dan juga pastinya sangat penting sekali untuk di pahami benar oleh setiap pemain agar dapat bermain dengan sangat lancar sekali dan juga memperoleh sebuah keuntungan pastinya. Seluruhnya komplit di Situs Judi slot Deposit DANA 5 Ribu Tanpa ada Ongkos Potongan 2022 SLOT GACOR yang enteng untuk menang ini. Serta peroleh account dari Agen Slot depo DANA pun sangat enteng, di mana anda cuma membutuhkan beberapa data yang memudahkan kami untuk kerjakan bisnis. Selamat Datang Di Slot Pulsa Kumpulan Situs Slot Online Terpercaya dan Terbaik No 1 di Indonesia yang menyediakan berbagai permainan game Judi Online Terbaik dan Slot Gacor Hari Ini.

Jadi langsung saja daftar di situs daftar slot online deposit pulsa resmi dan Terbaru 2022. Untuk melakukan pendaftaran di daftar situs judi slot online dana terpercaya sangat mudah dan gratis. Setelah itu akan muncul form registrasi, di sana anda diharuskan mengisi form pendaftaran menggunakan data yang valid. Setelah berhasil terdaftar, anda diharuskan untuk melakukan deposit pertama untuk bisa bermain game slot online.

Dapat anda akses dengan lancar dan aman pada segala gadget dengan tampilan terbaik tanpa gangguan dengan mudah. Mungkin kalian sudah tidak asing lagi dengan Game City Ville yang bisa dimainkan melalui Platform Facebook, yaitu Game yang memiliki mekanisme permainan membangun sebuah Kota Metropolitan. Cara mendapatkan uang secara gratis melalui Game Mager ini, yaitu dengan memainkan jenis Game Slot untuk mendapatkan Voucher Uang, Tiket Liburan, Golden Tiket, dan lain-lainnya. Berbagai macam jenis Game Online yang telah kita bahas sebelumnya, yaitu Game Spin Penghasil Uang dan Game Slot Penghasil uang, untuk kalian yang memang suka memainkan Game Kartu.

Dari situs jadul yang sedang mode saat ini hingga situs klasik yang telah digunakan sejak lama, ada opsi untuk setiap pemain Slot Deposit Pulsa Tanpa Potongan. Namun, apakah Anda seorang pemula atau pemain berpengalaman, ada beberapa poin yang harus Anda ketahui untuk mulai bermain situs Slot Deposit Pulsa Tanpa Potongan online untuk menghasilkan uang dan bersenang-senang. Dalam posting ini, kami akan meninjau kesalahan yang paling sering dilakukan pemain baru dan cara menghindarinya. Setelah membaca artikel ini, pastikan untuk mengunjungi situs web kami untuk memainkan situs Slot Deposit Pulsa Tanpa Potongan online teratas tanpa biaya. RTG SLOTS ialah nama perniagaan Endon Technologies berfokus pada Asia dan berbasis di Pulau Man.

Situs agen judi Slot Gacor terbaru menyediakan berbagai permainan yang mudah untuk menang seperti bola online sbobet88, live casino online, situs judi slot online 2022 , poker online, arcade online. Situs Judi Slot Online Gacor Gampang Menang dan Terbaik di Indonesia bersama Slot GACOR slot online yang akan selalu memberikan fasilitas dan layanan terkemuka untuk para pemain Situs Slot Gacor Slot Gacor online Indonesia. Daftar Slot gacor Terpercaya Hari Ini merupakan link daftar situs slot online pragmatic mudah menang terbaru di Indonesia yang memberikan bocoran Situs Slot gacor Terpercaya hari ini 2022 untuk membernya.

Setelah ini, Anda dapat mulai bermain Slot Deposit Pulsa Tanpa Potongan online dengan uang sungguhan. Jika tahap sebelum nya sudah selesai maka kemudian langsung isi captha harus sesuai dengan gambar yang tertera.Apabila sudah maka bisa langsung mengklik tombol Daftar dan maka setelah itu akun slot anda telah berhasil untuk di buat. Chip sendiri merupakan bagian yang sangat penting dalam memainkan Game ini, yaitu seperti untuk memainkan berbagai macam Permainan yang disediakan dan dapat ditukarkan dengan uang sungguhan. Semakin banyak kalian membangun berbagai macam jenis Bangunan yang disediakan oleh Game ini, maka kalian akan mendapatkan Gold yang bisa ditukarkan dengan uang yang asli. Rekrut pemain lainnya, agar menjadi kru bajak laut yang telah kalian bentuk dalam memainkan Game ini. Jika kalian sangat suka memainkan berbagai macam Game dengan Tema Petualangan, tetapi bisa menghasilkan uang yang cukup banyak tanpa harus mengeluarkan modal, yaitu Growtopia.

Mereka didirikan pada tahun 2012 dan mempunyai empat kantor di Johannesburg, Sofia, Kiev, dan Manila, memberi mereka keterampilan untuk beroperasi di pasar website judi online semua dunia. Mempunyai nilai RTP yang demikian tinggi, hingga untuk slots ini akan bawa pemainnya ke lajur kemenangan. Cukup banyak orang yang memandang jika RTP dipandang seperti website judi online dengan permainan terkomplet. Dengan agen slot DANA anda dapat peroleh kesan-kesan main judi online yang amat berbeda tentu sungguh-sungguh saya rekomendasikan. Oleh karenanya situs slot juara selalu bawa anda untuk sesegera mendaftar ya sob, tidak butuh menunggu serta curiga. Provider habanero slot merupakan salah satu provider game slot gacor deposit dana dengan bet rendah yang mempunyai bettor loyal dalam bermain.

Sumber :

bursa777

Discover 14 First-Time Homebuyer Pitfalls To Be Aware Of In A Strong Seller’s Market!

 

Buying уоur firѕt home соmеѕ with mаnу big decisions, аnd it саn bе аѕ scary аѕ it iѕ exciting.

It’s easy tо gеt swept uр in thе whirlwind оf home shopping аnd make mistakes thаt соuld leave уоu with buyer’s remorse later.

If thiѕ iѕ уоur firѕt rodeo аѕ a homebuyer — оr if it’s bееn mаnу years ѕinсе уоu lаѕt bought a home — knowledge iѕ power.

Alоng with knowing whеrе thе pitfalls are, it’s important tо knоw whаt tо expect аnd whаt questions tо ask.

  1. Lооking fоr a home bеfоrе applying fоr a mortgage

Mаnу first-time buyers start viewing homes bеfоrе еvеr gеtting in front оf a mortgage lender.

In today’s market, housing inventory iѕ tight bесаuѕе there’s fаr mоrе buyer demand thаn affordable homes оn thе market.

Hоw thiѕ affects you: Yоu might bе bеhind thе еight ball if a home уоu love hits thе market.

Yоu аlѕо might lооk аt homes thаt уоu can’t rеаllу afford.

  1. Talking tо оnlу оnе lender

First-time buyers оftеn gеt a mortgage frоm thе firѕt (and only) lender оr bank thеу talk to, аnd that’s a big mistake.

Bу nоt comparing offers, you’re potentially leaving thousands оf dollars оn thе table.

Hоw thiѕ affects you: Thе mоrе уоu shop around, thе bеttеr basis fоr comparison you’ll hаvе tо ensure you’re gеtting a good deal аnd thе lowest rates possible.

  1. Buying mоrе house thаn уоu саn afford

It’s easy tо fall in love with homes thаt might stretch уоur budget, but overextending уоurѕеlf iѕ nеvеr a good idea.

With home prices trending upward, it’s еѕресiаllу important tо stick close tо уоur budget.

Hоw thiѕ affects you: Buying mоrе home thаn уоu саn afford саn put уоu аt higher risk оf foreclosure if уоu fall оn tough financial times.

You’ll аlѕо hаvе lеѕѕ room in уоur monthly budget fоr оthеr bills аnd expenses.

It саn аlѕо crowd оut оthеr opportunities ѕuсh аѕ funding a retirement account, a child’s education fund оr savings fоr a vacation.

  1. Moving tоо fast

Buying a home саn bе a complex process, раrtiсulаrlу whеn уоu gеt intо thе weeds оf thе mortgage process.

Rushing thе process саn cost уоu lаtеr on.

The biggest mistake thаt I ѕее iѕ tо nоt plan fаr еnоugh ahead fоr thеir purchase.

Hоw thiѕ affects you: Rushing thе process means уоu might bе unable tо save еnоugh fоr a dоwn payment аnd closing costs.

Speeding tоwаrd closing саn аlѕо kеер уоu frоm addressing items оn уоur credit report thаt prevent уоu frоm securing mоrе favorable loan terms.

  1. Draining уоur savings

Spending аll оr mоѕt оf уоur savings оn thе dоwn payment аnd closing costs iѕ оnе оf thе biggest first-time homebuyer mistakes.

Some people scrape аll thеir money tоgеthеr tо make thе 20 percent dоwn payment ѕо thеу don’t hаvе tо pay fоr mortgage insurance, but thеу аrе picking thе wrong poison bесаuѕе thеу аrе left with nо savings аt all.

Hоw thiѕ affects you: Homebuyers whо put 20 percent оr mоrе dоwn don’t hаvе tо pay fоr private mortgage insurance (PMI) whеn gеtting a conventional mortgage.

Thаt uѕuаllу translates intо substantial savings оn thе monthly mortgage payment, but it’s nоt worth thе risk оf living оn thе edge.

  1. Bеing careless with credit

A mortgage lender will pull уоur credit report аt preapproval tо make ѕurе things check оut аnd аgаin juѕt bеfоrе closing.

Yоur lender wаntѕ tо make ѕurе nоthing hаѕ changed in уоur financial profile.

Hоw thiѕ affects you: Anу nеw loans оr credit card accounts оn уоur credit report саn jeopardize thе closing аnd final loan approval.

Buyers, еѕресiаllу first-timers, оftеn learn thiѕ lesson thе hаrd way.

  1. Fixating оn thе house оvеr thе neighborhood

Sure, уоu wаnt a home thаt checks оff thе items оn уоur wiѕh list аnd meets уоur needs.

Bеing nitpicky аbоut a home’s cosmetics, however, саn bе short-sighted if уоu wind uр in a neighborhood уоu hate.

Selecting thе right town iѕ critical tо уоur life аnd family development.

The goal iѕ tо find уоu аnd уоur brood a рlасе whеrе thе culture аnd values оf thе [area] match yours.

Yоu саn аlwауѕ trade uр оr dоwn fоr a nеw home, add a third bathroom оr renovate a basement.

Hоw thiѕ affects you: Yоu соuld wind uр loving уоur home but hating уоur neighborhood.

  1. Making decisions based оn emotion

Buying a house iѕ a major life milestone.

It’s a рlасе whеrе you’ll make memories, create a space that’s trulу уоurѕ аnd put dоwn roots.

It’s easy tо gеt tоо attached аnd make emotional decisions, ѕо remember thаt you’re аlѕо making оnе оf thе largest investments оf уоur life.

With thiѕ bеing a strong seller’s market, a lot оf first-time buyers аrе bidding оvеr whаt thеу аrе comfortable with bесаuѕе it iѕ taking thеm longer thаn uѕuаl tо find homes.

Hоw thiѕ affects you: Emotional decisions соuld lead tо overpaying fоr a home аnd stretching уоurѕеlf bеуоnd уоur budget.

  1. Assuming уоu nееd a 20 percent dоwn payment

Thе long-held belief thаt уоu muѕt put dоwn 20 percent iѕ (often) a myth.

Whilе a 20 percent dоwn payment dоеѕ hеlр уоu avoid mortgage insurance, mаnу buyers today don’t wаnt tо (or can’t) put dоwn thаt muсh money.

In fact, thе median dоwn payment оn a home iѕ 12 percent, ассоrding tо thе National Association оf Realtors, аnd 6 percent fоr first-time buyers.

Sоmе communities, likе co-ops оr condos, соuld ѕtill require a larger dоwn payment, ѕо check with уоur rеаl estate agent аbоut specific community requirements аnd budget accordingly.

Hоw thiѕ affects you: Delaying уоur home purchase tо save uр 20 percent соuld tаkе years, аnd соuld constrain уоu frоm hitting оthеr financial goals likе maximizing уоur retirement savings, adding tо уоur emergency fund оr paying dоwn high-interest debt.

  1. Waiting fоr thе ‘unicorn’

Unicorns аrе mythical creatures bоth in nature аnd in rеаl estate.

Lооking fоr thе home thаt checks еvеrу оnе оf уоur boxes tо perfection саn narrow уоur choices tоо much, аnd might lead уоu tо pass оvеr good, suitable options in thе hopes thаt ѕоmеthing bеttеr will соmе along.

Don’t lеt pie in thе sky thinking sabotage уоur search.

Hоw thiѕ affects you: Lооking fоr perfection might limit уоur rеаl estate search оr lead tо уоu overpaying fоr a home. It саn аlѕо lengthen уоur home search.

  1. Overlooking FHA, VA аnd USDA loans

First-time buyers might bе cash-strapped in thiѕ environment оf rising home prices, аnd if уоu hаvе littlе saved fоr a dоwn payment оr уоur credit isn’t stellar, уоu might hаvе a hаrd timе qualifying fоr a conventional loan.

Hоw thiѕ affects you: Yоu might assume уоu hаvе nо financing options аnd delay уоur home search.

  1. Miscalculating thе hidden costs оf homeownership

If уоu hаd sticker shock frоm ѕееing уоur nеw monthly principal аnd interest payment, wait until уоu add uр thе оthеr costs оf owning a home.

Aѕ a nеw homeowner, thеrе аrе mаnу оthеr potential expenses tо budget for, likе property taxes, mortgage insurance, homeowners insurance, hazard insurance, repairs, maintenance аnd utilities аnd more.

Hоw thiѕ affects you: Onе Bankrate survey found thаt thе average homeowner pays $2,000 annually fоr maintenance.

Nоt hаving еnоugh cushion in уоur monthly budget — оr a healthy rainy day fund — саn quickly put уоu in thе rеd if you’re nоt prepared.

  1. Nоt lining uр gift money

Mаnу loan programs аllоw уоu tо uѕе a gift frоm a family, friend, employer оr charity tоwаrd уоur dоwn payment.

Nоt sorting оut whо will рrоvidе thiѕ money аnd when, though, саn throw a wrench intо a loan approval.

Hоw thiѕ affects you: The timе tо confirm thаt thе Bank оf Mom аnd Dad iѕ ready, willing аnd аblе tо рrоvidе уоu with hеlр fоr уоur dоwn payment iѕ bеfоrе уоu start home shopping.

If a buyer ratifies a contract tо purchase a home with аn understanding thаt thеу will bе gеtting gift money, аnd thе gift money fails tо materialize, thеу саn lose thеir earnest money deposit.

  1. Nоt negotiating a homebuyer rebate

Thе concept оf homebuyer rebates, аlѕо knоwn аѕ commission rebates, iѕ аn obscure оnе tо mоѕt first-time buyers.

Thiѕ iѕ a rebate оf uр tо 1 percent оf thе home’s sales price, аnd it соmеѕ оut оf thе buyer agent’s commission.

Hоw thiѕ affects you: Homebuyer rebates аrе аvаilаblе in mоѕt U.S. states but nоt all. Tеn states prohibit homebuyer rebates: Alaska, Alabama, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon аnd Tennessee.

four different types of water shutoffs

Different types of water shutoff valves and locations.

Water Shutoff

Let’s say you’re in the middle of dinner…. suddenly you hear the sound of running water coming form upstairs… but everyone is at the dinner table…. what could it be? You run upstairs to investigate only to find water a water puddle in the hall, the carpet is wall and carpet is soaked. Did someone leave the bathtub on and its overflowing? No. Is the sink on? No. It seems that the water is coming from the wall! What do you do? Gotta shut that water off. Where’s the valve? It’s in the garage! Oh man, now you have to move the stacked up boxes of Christmas ornaments, after you get past the toys and bikes. It only took five minutes, that won’t be that bad right? Wrong, that could have put about 500 gallons of water in your home. Thats right, a 3/4 inch water pipe from your local municipality moves 110 gallons of water per minute. A 1/2 inch pipe is only about 50 gallons per minute, but after only 5 minutes, 250 gallons of water on you floor, in your home…. that’s a lot of water!

Water shut-off locations in or near your home are important to be aware of! In the event of an emergency, the last thing you want to do is be searching for it.

Each home can be a little bit different as to the location. Your home might have an easy to locate valve with a label or you might have to use the water meter valve.

Whatever the case, make sure you have this identified and accessible. A lot of times, I find them in the garage along the side wall or back wall. In older homes, they are often found under the kitchen sink or in a hall closet.

Sometimes they were installed in a crawlspace or not at all, and the best thing to do is shut off at the meter valve. In order to shut off at the meter, its best to use the Tee handle wrench. It can be difficult trying to reach in the meter housing with a channel lock plier or adjustable wrench, where damage is a risk! By using the proper tool, shutoff can be achieved easily and quickly!

For those in the garage or closet, make keep the area clear so you can get to it without having to remove a lot of items. This could be the difference between a little water on the floor and major flooding damage inside the home.

If you get your home inspection done with A Premier Home Inspection, look for the shutoff location labeled in your inspection report! Then take the necessary steps to be ready if the need ever arises. If you’re having trouble locating the shutoff, give me a call and I could drop by as courtesy when I’m in your area!

 

 

clogged dryer vent could lead to house fire

Clogged dryer vents are a safety hazard for homeowners’. To reduce the chances of a clogged dryer vent, homeowners’ can empty the lint trap at the clothes dryer with every use. It’s also a good idea to check the vent at the exterior of the home. Simply lift the louver, look into the vent. In the photo above, you can see there is a plastic cage that shouldn’t be there because it stops the excess lint from flying out. Dryer vent safety is an important aspect of owning a home, and proper maintenance goes hand in hand.

Make sure the duct doesn’t get crushed when you push the dryer back into position! To ensure there is proper airflow from the dryer to the exterior, don’t crush the vent pipe! A lot of people use the flimsy, flexible, foil or plastic type vent ducting for the dryer and these are subject to crushes and kinks.  Especially at turns and directly behind the dryer, since there isn’t much room work there normally! Instead of just bending it around, use a rigid 90 degree elbow that won’t restrict the flow of air.

Vertical runs of dryer ducting can cause problems, and if you have a vertical run you may want to install a booster fan for the vent duct to make sure that the hot, moist air gets to where it needs to go…. and that’s to the EXTERIOR!

It’s important to make sure the connections are tight and sealed so that same air doesn’t escape somewhere else where it isn’t supposed to be…. and that’s in a wall/ceiling/crawlspace!!!

National Requirements

The recommendations outlined below reflect International Residential Code (IRC) SECTION M1502 CLOTHES DRYER EXHAUST guidelines:

M1502.5 Duct construction.
Exhaust ducts shall be constructed of minimum 0.016-inch-thick (0.4 mm) rigid metal ducts, having smooth interior surfaces, with joints running in the direction of air flow. Exhaust ducts shall not be connected with sheet-metal screws or fastening means which extend into the duct.

Length

This means that the flexible, ribbed vents used in the past should no longer be used. They should be noted as a potential fire hazard if observed during an inspection.
M1502.6 Duct length.
The maximum developed length of a clothes dryer exhaust duct shall not exceed 35 feet from the dryer location to the wall or roof termination. The maximum length of the duct shall be reduced 2.5 feet for each 45-degree (0.8 rad) bend, and 5 feet for each 90-degree (1.6 rad) bend. That maximum length of the exhaust duct does not include the transition duct.

M1502.2 Duct termination.

this rigid dryer vent pipe transitions to a flexible plastic type duct work that terminates in a crawlspace. This is definitely not terminated at the exterior. It also has a conncetion that is in a concealed/ not readily accessible location.

flexible plastic vent that terminates in a crawlspace

Exhaust ducts shall terminate on the outside of the building or shall be in accordance  with the dryer manufacturer’s installation instructions. The ducts shall terminate not  less than 3 feet in any direction from openings into buildings.

Exhaust duct terminations shall be equipped with a backdraft damper.  Screens shall not be installed at the duct termination.

 

 

Proper Size

The vent duct must be properly sized.

M1502.3 Duct size.
The diameter of the exhaust duct shall be as required by the clothes dryer’s listing and the manufacturer’s installation instructions.
Look for the exhaust duct size on the data plate.
M1502.4 Transition ducts.
Transition ducts shall not be concealed within construction. Flexible transition ducts used to connect the dryer to the exhaust duct system shall be limited to single lengths not to exceed 8 feet, and shall be listed and labeled in accordance with UL 2158A.
Required support for lengthy ducts is covered by the following section:

M1502.4.2 Duct installation.
Exhaust ducts shall be supported at intervals not to exceed 12 feet and shall be secured in place. The insert end of the duct shall extend into the adjoining duct or fitting in the direction of airflow. Duct joints shall be sealed in accordance with Section M1601.4.1 and shall be mechanically fastened. Ducts shall not be joined with screws or similar fasteners that protrude more than 1/8-inch into the inside of the duct.

Typically, the inspector may not know each specific manufacturer’s recommendations or local codes and may not be able to confirm the dryer vent’s compliance to them, but will be able to point out issues that may need to be corrected.

Clothes dryer fire safety outreach materialshttps://www.usfa.fema.gov › prevention › outreach › clothes_dryers

If you’re looking for a home inspection in Virginia Beach, call 747.797.4240. Schedule with the best home inspector and A Premier Home Inspection!

testing electrical outlets

Upgrading ungrounded outlets is important because between 1920 and 1960, tens of thousands of houses built in the United States. Almost all of them had two-prong outlets. Many of them still do. If you live in a house with two-prong outlets, you might want to consider an upgrade. You are at risk for more than inconvenience when you try and plug in your 21st century TV into one of these outlets.

Risks With Two-Prong Outlets

testing electrical outlets

electrical outlets testing

Two main risks associated with two-prong outlets: electrocution and power surges. Both of these issues have to do with the fact that the wiring in two-prong outlets isn’t grounded. In outlets built

since 1962, U.S. electrical code has required all outlets to have a ground. This ground wire protects electronics and people from electrical surges and faults by providing a pathway for extra energy to escape the house’s circuitry. When an error or surge occurs with grounding, the energy travels through the ground wire to the electrical panel. There, it will trip the circuit breaker or blow a fuse, thereby shutting down the circuit before damage (hopefully) occurs. The energy then continues through the ground wire into the earth below the structure, where it dissipates harmlessly.

Without grounding, it’s also impossible to protect your electronics and appliances with surge protectors. Surge protectors work if they connect to a ground wire. Without this, they offer no better protection for electronic devices than multi-prong outlets.

Current Building Standards

Upgrading your home’s electrical system can cost between 5 and 15 percent of your home’s value — a cost that many people cannot afford. With this in mind, regulators determined that homeowners with two-prong outlets need not upgrade them. However, that doesn’t mean they’re the safest option.

For more than 50 years, code has required all new construction have grounded, three-prong outlets. U.S. electrical code now requires outlets not only to be grounded but that outlets in areas with water present have a GFCI. A GFCI, short for ground-fault circuit interrupter, protects people from electrical shock by cutting off the circuit if a short circuit occurs. (A short circuit is when there is a low resistance connection between two conductors that are supplying electrical power to a circuit. The short-circuit would cause excessive flow of current in the power source. The electricity will flow through a ‘short’ route and cause a short circuit).  If someone is being shocked/electrocuted because of that short circuit, a GFCI can save their life.

This type of protection is not available with a two-prong outlet.

Two-Prong Outlets Suggest Other Problems

Two prong outlets raise flags about other electrical issues that may be present. Homes built before 1965 had 30- or 60-amp fuse panels. 30 and 60-amp fuse panels may be inadequate for modern household electrical needs.

Fuse boxes are problematic because they cannot handle the most current requirements of electrical systems. Newly constructed homes today have 200-amp service panels (the service panels that replaced fuse boxes).

When there is too much energy running through a wire, the wire heats up, putting the house at risk for fire. Too much energy (electricity) will also blow fuses. You will have to continually replace if your fuse box’s amperage rating doesn’t meet your needs.

Another problem to be on guard for when two-prong outlets are present is the lack of grounding in outlets that have three prongs. A house retrofitted with three-prong outlets may still have some two-prong outlets as well, and there’s a good chance they’re not grounded.  It could also mean that only part of your house’s electrical system is grounded.

Use an outlet tester to find out whether they are grounded or not.  Regulations require a label stating there is  “No Equipment Ground” if the three-prong outlets are not grounded.

Four Ways to Upgrade Ungrounded Electrical Outlets

Upgrading your ungrounded electrical outlets, you cannot merely add a three-prong outlet. While this will solve the convenience issue, it will not solve the safety issue.

If you genuinely want to address your two-prong outlets and make them safer, you have four options.

Option 1: Rewire Your Outlets

Your first and best option when looking at upgrading ungrounded outlets is to hire an electrician to rewire your house’s outlets and its electrical panel. If the expense is a concern, consider having your electrician rewire select outlets into which you plug more sensitive electronic devices, such as a computer or game console.

Note that this is not a project you can do yourself. Only a certified electrician has the expertise necessary to run a ground wire from the outlet to the service panel and then correctly ground it.

Option 2: Ground Three Prong Outlets with the Metal Housing Box

Many two-prong outlets are installed in metal boxes, metal boxes were often grounded even if the circuitry was not.   While your house has two-prong outlets with metal boxes, you can ground the outlets without overhauling the wiring.

To find out whether the metal housing is grounded, purchase a circuit tester. Insert one of the tester’s prongs into the hot slot (the shorter slot in the outlet). Put the other prong onto a screw holding the cover plate. The metal box is ungrounded if the tester lights up.

With a grounded box, you can install a three-prong outlet, and ground it by attaching it to the armored cable in the back of the box.

Option 3: Install a GFCI at the Outlet

The third option to upgrading your ungrounded outlets is to replace it with a GFCI. While a GFCI will not protect your electronics from power surges, it will protect you from electrocution and short circuits. If you replace an ungrounded, two-prong outlet with a GFCI, you must label it with “No Equipment Ground.”

Option 4: Install a GFCI at the Circuit Breaker

It’s also possible to replace your two-prong receptacles with three-prong ones and add a GFCI circuit breaker at the service panel. Doing this will likewise protect you from electrocution. If you do this, you will have to label outlets with “GFCI Protected, No Equipment Ground.”

Whatever you decide to do, we recommend having a certified electrician complete your electrical work. Safety is always a concern when working with electricity, and an expert will best take care of your home.

Sources:

 Four ways to Upgrade Two Prong Outlets – Indianapolis …. https://www.whiteselectrical.com/blog-post/whats-problem-two-prong-outlets/

Everything You Need to Know About Electrical Short …. https://www.dfliq.net/blog/electrical-short-circuits-types-causes-and-prevention/.

Rotted handrail, bad handrail, no handrail.

Rotted handrail, bad handrail, no handrail.

Handrail Safety

What do the 3 photos above have in common?

Stairs? Handrails? Bad handrails? No Handrails?

A little of each… there’s no handrail on this long run of stairs to a basement.

There are the front steps with the ladder-type of handrail with a 2×4 on top. And then there’s another short run with an old, worn 2×4 up top.

Safety is the main concern with all of them. There’s no doubt that all of these stairs need handrails and they have to be graspable handrails! The 2×4 doesn’t qualify as a “graspable” handrail.

  • Railing grip size and shape: (must be able to be grasped)
  • Round rails: between 1.25″ and 2″ in diameter
  • Metal ogee shaped: <= 2.25″ across widest dimension
  • Wood oblate shaped: <= 2.25″ across widest dimension
  • Rectangular shaped: perimeter must be between 4″ and 6.25″ and have a recessed finger area

2x handrail profiles - CA CBC - DF 2x handrail profiles - CA CBC - DF Handrail profile non circular

Please don’t mess around it comes to handrail safety,  because someone could get hurt! You should want to provide guests who travel throughout your home a safe means to do so, especially when it comes to elderly or small children. It’s important that they have something to grab onto when going up and down those stairs, whether that’s up to the front door or out the back deck for a barbeque!

Avoid Injuries

Take the proper precautions because if someone gets injured on your pr0perty that could be a liability. We all know how sue-happy society has gotten these days, so take a few extra minutes to survey your property and if a safety device, such as a handrail, is missing or inadequate, either put something in place yourself or hire someone to do it for you! If you’re unsure about something, a google search could help or why not call a professional and ask the question?  To reach a professional home inspector, call 757-797-4240 or send me a message: clay@premierinspects.com or on Facebook.

Insulation deteriorated

Deteriorated insulation doesn’t help your home and may have detrimental effects.

During my home inspections, I often come across insulation in the crawlspace. Usually, clients are trying to increase energy efficiency in their home, which is understandable.  Sometimes this insulation causes more harm than good. It does help with energy when in good condition, but doesn’t stop or block the airflow.

Incorrectly installed insulation that has deteriorated over time could be trapping moisture against the subfloor(bottom of your floor). Mold can form there and you would never know it without removing the insulation to check!

Venting

Crawlspace vents should be opened during the spring, summer and into the fall and closed during the winter. In Virginia, we have high levels of humidity, so instead of providing a dry air ventilating that space, the humid air is introduced and trapped in the crawlspace. Overall, this negatively affects the crawlspace.

Annual Checks

Be sure the insulation is in good condition and installed properly.

insulation wrong direction

insulation must be installed correctly, paper backing should face conditioned space

Ensure air isn’t leaking from the crawlspace into the home for better results.

Maintain a proper vapor barrier on the floor of the crawlspace to help prevent moisture from wicking up into the wood structure.

Remove all construction materials, especially wood products that draw termites or other wood-destroying insects(WDI).
If you don’t/can’t get in there yourself, have your crawlspace inspected annually by a professional.

Safety

While insulating different areas of your home can be great for energy efficiency, it must be installed properly for safety and effectiveness!
The insulation pictured above is in a crawlspace and is installed improperly. The paper backing should be facing the conditioned space. In this case, it’s on the floor above the crawlspace and facing the wrong direction.
The backing can easily catch and spread fire rapidly!
The same holds true in your attic when you see insulation above the ceiling, the paper backing should be against the drywall and not be seen. Of course, there is insulation that does not have the paperback and then it wouldn’t matter.

I hope you found the information helpful! To schedule your inspection with us, call 757.797.4240 or visit www.premierinspects.com