Ask for the C.L.U.E. Report Before You Buy a Home

Ask for the C.L.U.E. Report Before You Buy a Home

If you’re in the market for buying a home, there’s one report you should ask from the sellers. It’s called a C.L.U.E. report, which details insurance claims on the property made in the last several years. Those claims can affect what you would pay for homeowners insurance on the property.

The report, also known as the Comprehensive Loss Underwriting Exchange, lists every claim—even if it was denied or just inquired about (so homeowners, take note: don’t ask your insurance agency about anything you don’t want listed on the report). In some states, Forbes notes, sellers are required by law to disclose any damage or repairs, but asking them to get the C.L.U.E. report is still a smart move.

Homeowners can get their reports for free every year and should check it for errors, just like we should with our credit reports.

The Report You Should Ask for Before Buying a House | Forbes

Photo by Monika Wisniewska (Shutterstock).


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Ask for the C.L.U.E. Report Before You Buy a Home

Indulge Your Inner Child and Lose a Few Hours To This Online Spirograph

Indulge Your Inner Child and Lose a Few Hours To This Online Spirograph

We’ve got computer graphics software that’s so powerful it can generate images that make it seem like dinosaurs are back. But they still can’t compare to the simple satisfaction you get from making a really complex hypotrochoid or epitrochoid with a marker and some perforated gears. So Nathan Friend was kind enough to build a browser-based Spirograph you’re probably going to want to immediately bookmark.

The online Inspirograph, as Nathan calls it, lets you swap in gears of different sizes and choose pretty much any color your computer’s screen can display. And while you don’t get that highly satisfying feeling of pen on paper as you make endless loops, it’s impossible to screw up your design on this version, unless you accidentally refresh the page. Fancy yourself a Spirograph master? Share your designs in the discussion below, it’s not like you’ve got anything better to do on a Thursday afternoon. [Inspirograph via Boing Boing]

Indulge Your Inner Child and Lose a Few Hours To This Online Spirograph


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Indulge Your Inner Child and Lose a Few Hours To This Online Spirograph

Tennessee Town Passes Policy Banning Negative Comments About The Town’s Government

The commissioners of a small Tennessee town have just voted to ban negative comments about it from social media. This stupid move was prompted by "criticism and lies" being posted online, which supposedly "hampered" the town’s government from performing its duties.

South Pittsburg City is a town of 3,000. This fact will limit the damage done by its city commissioners’ new policy (which passed with 4-1 vote), but only because the town itself is tiny. The ban, however, is super-broad. (via Ben Swann and BRACE YOURSELF for always-awesome AUTOPLAY)

It applies to all city elected representatives, appointed board members, employees, volunteers, vendors, contractors and anyone associated with the town in an official capacity who uses social networks. The policy says those persons can’t post anything negative about the city, its employees or other associates.

Examples include posted videos, blogs, online forum discussions, Facebook and Twitter, Commissioner Jeff Powers said.

Now, it’s obvious that this ban violates the First Amendment rights of everyone involved. It’s obvious to the lone dissenting voter, Paul Don King. It’s not so obvious to the rest of the commissioners, who have offered a variety of terrible defenses the new policy.

Commissioner Jeff Powers:

"It seems like every few meetings we’re having to address something that’s been on Facebook and created negative publicity," he said. "This is just an industry standard nowadays."

Oh, lord. Have you ever heard of such a slight inconvenience? "Every few meetings." Sounds exhausting. If he thinks it’s a drag dealing with negative comments periodically, just wait until he has to actively police social media for violators.

One, you’re a government, not an "industry." So, that makes this move censorship rather than some sort of half-assed town TOS. It’s called prior restraint and it’s something the Supreme Court has recognized as a violation of First Amendment rights. You can’t just tell any group of people they can’t criticize the town or its employees/"other associates." That’s not an "industry standard." It’s not even a "government standard." Criticism is to be expected, not shut down.

Powers follows that up by attempting to clarify the situation, but only makes it more incomprehensible.

Powers said the policy doesn’t forbid the use of social media, and it can be amended in the future.

"The first thing everyone wants to say is ‘I can’t post anything on Facebook,’" he said. "Well, you can. Just not [anything] that sheds a negative light on any person, entity, board or things of that nature. You can go ahead and post all you want."

Oh, OK. You’re not banning anyone employed by or doing business with the city from using social media. You’re just forbidding them from criticizing anyone employed by or doing business with the city. You can "post all you want" EXCEPT.

And "fixing it in post" with amendments isn’t a great way to run a town’s government. The idea is to produce good policies and statutes, not bad statutes that need to be amended (or rolled back) before they can mesh with the Constitution.

City Attorney Billy Gouger said the new policy is not intended to infringe on anyone’s right to free speech.

"What this policy tries to do is reconcile that right with other rights," he said. "It does, to some extent, limit your ability to criticize or comment in an official capacity."

I am completely lost as to how Gouger has managed to reconcile the policy he passed with the words he’s saying in defense of it. It is definitely "intended to curtail free speech." Free speech is the opposite of this policy’s wording. How is "limiting your ability to criticize or comment" not a limit of free speech? Because it’s in an "official capacity?" Even if that limitation manages to pass Constitutional muster (and good luck!), the limitation is effectively meaningless because the range of people this policy covers is so broad. "Volunteers, vendors and contractors" are still private citizens even if they’re doing business with the town.

If you want to write individual agreements with each of these listed parties stating that doing business with (or being employed by) South Pittsburg City means not criticizing South Pittsburg City, then by all means do so. These parties can waive their rights, but it’s still their choice. You can’t just take it away. That (again) is prior restraint — something that is exactly a "limit on free speech."

Finally, some words of "wisdom" from the mayor herself.

"Criticism is one thing," Mayor Jane Dawkins said. "Out-and-out lies and untruths — that’s another thing. Those kinds of things are the things that will be directed."

Hey, there’s a civil process for dealing with lies and untruths. Try using that instead. Libel and defamation are not protected speech and any of the four easily-bruised members of the city commission should avail themselves of that remedy. Shutting people up with a stupid, unconstitutional policy isn’t the answer, no matter how small your town is. That the number of people whose free speech rights have just been constrained will likely be low is no excuse. It’s still what it is: censorship in the form of prior restraint.

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Tennessee Town Passes Policy Banning Negative Comments About The Town’s Government

4-minute explainer of the entire universe of The Hobbit is a must watch

4-minute explainer of the entire universe of The Hobbit is a must watch

J. R. R. Tolkien’s posthumous The Silmarillion describes the universe where The Hobbit and The Lord of the Rings take place. It has all the secrets of Middle Earth, from individual characters to the genesis of wizards, elves, orcs, or men. This must-watch short explainer reveals its crucial elements in four minutes.


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4-minute explainer of the entire universe of The Hobbit is a must watch

December Tip of the Month: Find Queries that Lack Indexes

It’s an ancient tradition amongst MySQL DBAs to analyze slow query log files and sort the results by the so-called “index ratio” to find badly indexed queries. The “index ratio,” in this case, is a heuristic derived from the ratio of rows read to rows returned. The thinking goes that if a query is reading lots of rows and returning only a few, it might be missing an index.
The trouble with this is that it’s very prone to false positives: GROUP BY queries, for example, will often read lots of rows and aggregate them into few.
Instead of relying on a surrogate measure such as this sometimes-accidentally-right ratio, why not get the truth straight from the horse’s mouth? MySQL sets a flag in a query when it doesn’t use an index. And VividCortex sniffs this flag right off the wire and generates metrics from it.
To rank queries by their frequency of no-index-used flag, just go to Top Queries and change the Rank By menu to “Missing Indexes.” Voila! Bonus tip: explore the other options in the Rank By menu, too!
via Planet MySQL
December Tip of the Month: Find Queries that Lack Indexes

The Easy Way to Frame a Wall 16 Inches on Center

When you build a wall, the studs should be spaced equidistant from each other. Here’s why the standard is 16 inches "on center", and an easy way to mark them.

"16 inches on center" means the center of each 2×4 wall stud is 16 inches apart from the next one. This standard is necessary because building materials are designed to fit that space. For example, insulation and medicine cabinets will only fit into a 16 inch layout. This uniform distance also makes it easier to locate wall studs when hanging mirrors or cabinets.

You need a framing square, measuring tape and pencil to measure and mark your distances accurately.

Start by aligning your top and bottom plate ends flush together and measure 15 1/4 inches to side of first stud placement. Each corresponding measurement should be 3/4 of an inch shy of stud marks on your tape measure. This will give you studs that are on 16 inch center layouts. Check out the video above to see this process in action.

How to Frame a Wall 16 Inch on Center | Home Remodel Workshop (YouTube)


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The Easy Way to Frame a Wall 16 Inches on Center

How to Install Epoxy Garage Floor Coating

How to Install Epoxy Garage Floor Coating

Your garage stores thousands of dollars in vehicles, tools, and who knows what else. Give it some love by installing a protective epoxy floor coating in just a few hours.

An epoxy coating brings the showroom look home, but also serves a functional purpose: it resists oil stains, beads water and is easy to wipe clean. Adding paint chips can hide floor imperfections and anti-skid additives will give you more grip on wet and snowy days. Conversely, if you live in an extremely hot climate, you need to be sure the epoxy can withstand hot tires which can lift the epoxy off the floor.

How to Install Epoxy Garage Floor Coating

It’s all about the prep when installing an epoxy coating. Regardless of price, an expensive coating can chip and peel if it’s not installed correctly. Manufacturers instructions for installing their epoxy can vary, but make sure you still follow every step exactly as listed. Here are the basics steps you’ll need to follow, along with a few tips.

Step One: Prep the Space

All objects should be cleared from the floor and the area should be thoroughly swept. Use a leaf blower on low to remove hard-to-see dirt and particles. Tape your baseboards, steps and the edge of your garage floor, to limit where the epoxy covers.

If you have any major chips or damage to your concrete floor, you’ll need to repair those first.

How to Install Epoxy Garage Floor Coating

Use a heavy-duty degreaser and scrub brush to remove all oil and gas stains from the floor. When you’re done scrubbing, rinse all soap and dirt away.

Lastly, apply citric acid and concrete etch, which creates tiny grooves in the floor for the epoxy to adhere too. Some people use muriatic acid, but that is a highly corrosive and toxic chemical. You’ve been warned.

How to Install Epoxy Garage Floor Coating

Give your floor a final rinse with a pressure washer, or just rinse with hose and water, and then wait for the surface to dry completely.

Step Two: Apply the Epoxy

Mix your two epoxy chemicals together and immediately start applying the mixture to your floor. Start with the trim areas first, using a 2" brush, and then cover the floor using a standard paint roller and ⅜" nap. A roller extender is useful for this job.

How to Install Epoxy Garage Floor Coating

If you are using paint chips, toss them onto the epoxy after it’s been applied to the floor. Do not mix it into the can.

How to Install Epoxy Garage Floor Coating

Usually only one coat is required. A gallon should cover 200-250 square feet.

Here’s a tip: Don’t apply on a windy day or you’ll get twigs, leaves and other contaminants blown onto your new floors.

Step Three: Let It Dry

Depending on the temperature and humidity, an epoxy floor will dry to the touch in a couple hours but wait overnight before walking on it.

Epoxy floors need additional time to fully cure. Refer to your product instructions but typical cure time is 3-7 days.

How to Install Epoxy Garage Floor Coating

Popular garage floor epoxy kits include Rustoleum for $99 and BEHR for $78.

Photos courtesy of Charles & Hudson.


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How to Install Epoxy Garage Floor Coating