When people decide to sell their home, often they are uncertain if they should update their home.If so, what upgrades would bring the greatest return and most importantly, how much money should be spent on those upgrades.Upgrading before you sell can get out of hand, so set a budget and stick to it or you won’t be able to get that money back on the sale of the home.Consider giving your home any of these 10 upgrades when looking to sell.
If you're preparing your home for sale, there are certain improvements that are definitely worth their cost by helping to attract more buyers, by selling your home faster, by making back most (if not all!) of your investment, or even by increasing the value of your home.It is also wise to check with the government programs that currently offer rebates and grants.Not only can you apply for the tax rebate program for upgrades up to $10,000, but both levels of government are currently offering ecoEnergy grants for upgrades that make your home more energy efficient.There is a lot of money to be given out, why don’t you go out and get it!
1 Kitchen An updated kitchen is one of the most popular renovations to add value to your home.Certain upgrades --granite counter tops, hardwood or ceramic floors, premium appliances (especially stainless steel), islands and undermount sinks are all desireable upgrades and will add significant value to your home.Many buyers want to walk into a home and have the kitchen done for them.Outdated kitchens will have a lot of buyers heading for the exit before they even see the rest of the house.
2 Hardwood floors These days, hardwood flooring is a feature many people are looking for in a new home.Often people will take money off of the asking price because they know they will incur the cost of ripping out the carpeting and installing hardwood.Older homes with original hardwood may have to be sanded down and refinished, but it is well worth the investment.The time and money you will spend will come back to you ten fold when the offers start coming in.
3 Neutral paint job It is inexpensive but adds significant value to a home.Just the freshness of a new paint job is often enough to leave buyers with a favourable impression.Neutral colours will appeal to more buyers as they can see the house without having to fight through the colours.The colour of the walls shouldn’t distract the buyer from the rest of the house.
4 Master ensuite If your ensuite is a bit tired, it's worth upgrading, especially if you can afford a few luxuries such as a whirlpool or air jet tub, separate shower with a rainshower head, double sinks and/or heated floors. If you don't have an ensuite, perhaps you can install one by stealing space from the master bedroom or a room next to it.
5 Bathrooms It's a simple carpentry job, but makes almost any older home seem more gracious.After kitchens, bathrooms are the next most important rooms in the home.By updating your bathrooms, you increase the amount of potential buyers.If you don’t have a lot of money, changing a light fixture, updating the faucet or changing the cabinetry hardware can add significant value to the room.
Old-fashioned "can" track lighting can be easily replaced with more contemporary styles such as smaller cans or halogen track lights. Updated and modern fixtures don’t have to be expensive, but can add great value to a home.
7 A finished basement After kitchens and bathrooms, a stylishly finished basement is high on many buyers' wish lists. Often an unfinished basement will kill a potential deal.If you have the money to do it, you will get most of it back and your home will sell quicker.
8 Landscaping A well-maintained garden with attractive plantings, hardscaping such as brick or flagstone, and features such as urns or paths, add an elegant look to even a smaller home.
9 Front Porch/Back Deck Two or three decades ago, tearing off front porches became fashionable in some Canadian cities, but now they're back in a big way. If you can, add a full front porch (or replace/repair the one you have if it isn't in top condition); if not, a portico (a smaller porch that shelters the front door) can be a worthy substitute.If the front isn’t where you want to update, look at the back of the home to add your value.
10 Adding a bedroom A four-bedroom house will command a higher price than a three-bedroom, even if they're both the same size. Consider dividing a large bedroom into two small ones (as long as they're not too small, or it can have the opposite effect), or alternatively, consider converting an upstairs den or sitting room.
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seankavanagh.ca or follow me on TWITTER or FACEBOOK!
I look forward to hearing from you!
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Real estate statistics for October remain strong and show we are blasting out of the recession.Toronto, Oakville, Milton, Burlington and Hamilton markets are all showing significant increases in both units sold and average prices.Also, houses are staying on the market for shorter periods of time and sellers are getting close to their asking prices.Looking at the rate of which houses are selling, it is clear the market has now balanced and whether you are a seller or a buyer, now is a great time to get into real estate.
Toronto Real Estate Board - Units sold are up 28% and average prices are up 10%.
Hamilton/Burlington Board - Units sold are up 20% and average prices up 2.6%
Oakville/Milton Board - Units sold are up 22% and average prices are up 14%
Burlington Market - Units sold are up 20% and average prices are up 5%
Oakville Market - Units sold are up 36% and average prices are up 16%
Milton Market - Units sold are up 29% and average prices are up 7%
Remember!It is important to look at your specific neighbourhood to see how your local market is moving.For more information, Click Here.For a complete and detailed report on real estate stats in your neighbourhood, please send me a brief message letting me know the neighbourhood in which you live and I will be sure to get you a report sent out right away!
FREE HOME EVALUATIONS!
If you are thinking about selling, but just aren’t sure what you could list your home for, give me a call and I can come over and provide you and your family with a free home and neighbourhood evaluation.
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
I look forward to hearing from you!
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Now that you have bought a home and are in need of an inspection, how do you decide on who you are going to hire?Here is a list of questions that should be asked before you decide on your home inspector.You want to do everything you can to ensure you hire the best person for the job.A person that you are confident will be able to identify all of the deficiencies in the home so you have a clear picture of the condition of your home.
How long have you been conducting home inspections?
Someone may tell you they have been in the business for 10 years, but how many inspections were conducted in those 10 years.
What qualifications do you have?
As home inspection is still unregulated in Canada, consumers should ensure they are hiring an inspector who know what they are doing.CMHC now recommends that you hire a "Registered Home Inspector" or RHI who is a member in good standing with a Provincial Association.
Can you supply me with a sample report? And will I receive a written report?
Verbal reports offer no recourse for the home buyer.Always insist on a written report.If one isn’t going to be provided, find another inspector.A good report should contain comments specific to the subject property and should offer both observations and recommendations.The inspector should also be able to provide you with estimates as to what expenses will be incurred when the deficiencies will be addressed.
How much time will it take?
A home 1800-2500 sq. ft in size should take about 2-3 hours.If the inspection takes less than 2 hours, you should be concerned.
Can I attend the inspection?
If the answer is NO, you should look for another inspector.Not only is the inspection used to identify deficiencies in the home, it is an education on the home.You will learn about your home as you walk through the property (e.g. shut offs, furnace operation, etc.)
Do you use state of the art tools to inspect the home?
Are state of the art home inspection tools such as moisture meters, gas detectors, laser thermometers, thermal imaging camera, & telephoto lenses used to reduce the risk of an error.
What will be inspected?
The inspection should include the Roof, Exterior, Structure, Electrical, Heating, Cooling, Plumbing, Insulation and Interior. The goal is to identify any existing major problems that would affect a typical purchasers buying decision.
How much will the service cost?
A typical home inspection should cost $400.Cost of the inspection should not be a factor in deciding which inspector you choose.This is one of the most important parts of the process, so you should base your decision on who will do the best job.
Can I see a list of references or people to call who you have previously done inspections for?
If they can’t or won’t provide you with a list of past clients, walk away.
Do you carry errors and omissions and general liability insurance?
Inspectors are human and humans make mistakes.If the inspector misses something significant, you want to be assured you are covered.
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide
Home buyers hire home inspectors to help discover deficiencies in the home they are hoping to purchase.This inspection should reveal all major issues in the home so the buyer understands the condition of the home before they purchase it.Problems arise when buyers choose to go with the cheapest inspector they can find, don’t interview inspectors before they are hired or don’t investigate the experience of the inspector they are planning to use.As home inspectors come from various backgrounds and there isn’t any standardization in the industry, without a proper background check, you never can be sure that the person you hire can properly assess all aspects of a home.
Here are a few examples of inspections gone wrong:
Couple A hired an inspector without interviewing any others because he came recommended from a trusted colleague and a discount was offered to the couple. The inspector was the father of that work colleague who made the recommendation. He claimed to have extensive experience in the field, so references were not called and a background check was not conducted. Based on the inspection report, Couple A decided to purchase the home. Less than 6 months later, the roof was leaking. “Excellent Condition” was written in the inspection report under the roofing category. When the client went into the attic to examine the roof from the inside, he could see a beam of light coming through the roof into the attic. $7,000-$10,000 was the estimate for the reparation to the roof.
Client B purchased an old home for what she thought was ‘a great deal’ because of certain deficiencies (knob and tube, older windows, etc).When it came time to sell the home less than 2 years later, a more thorough home inspection report conducted by the new buyers revealed 2 major issues that lead to them walking away from the deal.1) When new duct work was intstalled (before my client bought the home), the contractor, rather than using elbow joints to go around the main floor joists, decided to cut large parts out of the joists to run the duct work compromising the integrity of the entire first floor.2) An extension was put onto the house without proper permits (once again before she had bought the home).The inspection report didn’t mention anything about the extension.The first spring saw significant volumes of water fill the basement.When the extension was put on, it wasn’t damp proofed or sealed properly.This may have been over looked by any inspector, but it should have been mentioned in the report so she could seek out more specialized information.What the inspector should have noticed was how the exterior foundation was knocked out and not properly restored.The entire back of the house will continue to sink into the ground until the foundation is repaired.She still hasn’t been able to sell her home.
These clients learned the hard way how important it is to do a bit of homework and ask a lot of questions when hiring a home inspector.Never hire the cheapest person to inspect your largest investment and be sure to request and, more importantly, check references.This is not a slight against all home inspectors, as there are plenty of great home inspectors that will provide you with the best possible inspection.I am just hoping that you do your research and look into the experience of the inspector before you hire him.Also, be sure to ask your inspector for his insurance and what that policy covers.
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide
When you see the following problems listed as a concern in your inspection report, be sure to ask more questions to find out how serious the problem is and how much it will cost you to remedy.If the inspector writes “N/A”, “can’t be determined” or worse, left blank beside any of the following problems, be sure to bring a specialist in so you have a clear understanding of the extent of the issue.
Electrical problems: Almost every home has an electrical problem, some a missing ground or reverse polarity to under sized breakers and panels. Homes built before 1955 may have 60 amp services, and may not be insured by some companies until they're upgraded. This type of outlet will have only two prongs.Houses older than 40 years may have aluminum, or even worse, knob and tube, wiring. Insurance companies may not insure homes that contain certain types of wiring. If you really love the house, be sure to have an electrician come in to determine the amount of aluminum or knob and tube wiring. Often aluminum wiring issues can be remedied for minimal expense.
Foundation cracking: In most cases, foundation failure is a result of poor surface drainage. Look for a vertical crack eight inches in from the corners. Where there is one, there is a companion probably below grade.Look for water stains on the sides of the crack to see if water has been seeping into the home through the crack.It would be advisable to get a foundation expert in to provide you with a detailed report on the necessary reparations.
Ice damming: Ice dams are responsible for clogged and damaged eavestroughs, wet insulation in the roof and walls. Wet wood, paint failure and decay will result if the problem persists.Ensure your inspector goes on the roof to check the integrity of the roof.
Galvanized plumbing: Galvanized pipes are usually found in homes over 50 years in age. Commonly, these pipes will rust from the inside out, often restricting waterflow.Eventually the pipe becomes blocked or bursts. Importantly, some insurance companies are now refusing to provide homeowner's insurance on houses with this type of plumbing.
Structural problems:Watch for over-spanned beams or poorly reinforced beams especially when a post is moved for basement renovations. Over spanned beams can cause roofs to sag over time (especially with heavy snow accumulation) resulting in serious damage and serious expense!If renovations have been done in the basement, ask your inspector to ensure load bearing walls were not removed or main supports compromised.You may also run into this issue if an older home has been converted into an ‘Open Concept’ style.
Poor air barrier and insulation: Just about every home inspected requires additional caulking and insulation. The investment in caulking is returned in just a few months and additional insulation in key areas can have a ROI in less than three years.Be sure your inspector goes up into the attic to check the level of insulation.As most of your heat will escape through the roof, it is important to be sure you are properly insulated.
Improper venting: A major issue can be found in the bathroom.Problems occur when vents are not vented directly outdoors. If you have a basement bathroom, ensure it is vented outside.Sometimes basement bathrooms will be put in by the home owner without proper permits and proper venting is overlooked. Source: Canadian Association of Home and Property Inspectors
Top 3 defects
Problems revealed by home inspections vary depending on the construction type and age of the home. Still, there are three common problems which all carry significant cost. The life-cycle of these items is approximately 20 years, at which time these systems often need to be replaced.
1. Shingles or flat roof: For energy efficiency, structural damage and, for a flat roof, snow accumulation can lead to serious damage, leakage or collapse.
2. Furnace: For safety, energy efficiency and operating costs, ensure the age of the existing system.
3. Central air conditioning: For energy efficiency and operating costs.As with the furnace, it is important to understand the age of all mechanical parts of the home.If they are all at the end of their lifespan, you could be looking at significant expenses for new parts. Source: Pappas Home Inspections Inc.
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
It is not the intended purpose of a home inspection, but the inspection might also give you some insight into potential opportunities for repairs and renovations that will not only make your home more pleasant to live in, but may also increase its value.With the federal government's new Home Renovation Tax Credit, you may have financial incentive to undertake some of these projects once you become a homeowner.
Unveiled Jan. 27, 2009 in the federal budget, the HRTC will provide Canadians up to $1,350 in savings for money spent on home renovations through a temporary 15% income tax credit on eligible home renovation expenditures for work performed or goods acquired up to Feb. 1, 2010. The credit can be claimed on eligible expenditures exceeding $1,000 but no more than $10,000.
Renovation costs for projects such as finishing a basement or remodeling a kitchen will be eligible for the credit, along with associated expenses such as building permits, professional services, equipment rentals and incidental expenses. Routine repairs and maintenance will not qualify for the credit. Nor will the cost of purchasing furniture, appliances, audio-visual electronics or construction equipment.
Eligible expenditures include renovating a kitchen, bathroom or basement; new carpet or hardwood floors; building an addition, deck, fence or retaining wall; a new furnace or water heater; painting the interior or exterior of a house; resurfacing a driveway; and laying new sod.
Here are some things to keep in mind when planning a change or renovation:
Think about how changes might appeal to someone buying your home in the future. For more on that, please read “Think about selling it before you buy it”. You can make very personalized changes with paint because it is inexpensive and can easily be changed. However, items like flooring, cabinets and countertops have a longer life - make choices that will also be appealing to others.
Updating the bathrooms and kitchens in an older home can increase its resale value.
Don't underestimate the importance of landscaping. The right planting can improve the appearance and value of your home.
Updating your exterior paint, installing new roofing, resurfacing your walkways and driveway, adding attractive mailboxes and front-yard planting can also increase value. Over time, renovations can practically pay for themselves, especially if they result in savings on utility bills, a higher selling price or years of greater comfort and enjoyment in your home.
Home inspection 101 A home inspection is a visual examination of a house and property, including:
a thorough visual inspection of the structure (inside and out, from foundation to roof) an examination of all major systems (Heating and Air conditioning) an objective evaluation of the condition of more than 400 items a printed report covering all findings and identifying potential concerns
Most appealing upgrades Kitchen cabinet upgrade Hardwood floor upgrade New windows Removing walls to open up space Finishing the basement Kitchen appliance upgrade New shingles new bathroom taps and plumbing new bathroom tiles Source: AmeriSpec Home Inspection Service
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Source: AmeriSpec Home Inspection Service and Your First Home Buyers Guide
Real estate statistics for September prove we continue heading in a positive direction.All numbers from Toronto to Hamilton are up in both units sold and average sale prices.
Toronto Real Estate Board - Units sold are up 27% and average prices are up 6%.
Hamilton/Burlington Board - Units sold are up 16% and average prices up 2.7%
Oakville/Milton Board - Units sold are up 21% and average prices are up 3%
Burlington Market - Units sold are up 13% and average prices are up 5%
Oakville Market - Units sold are up 35% and average prices are up 14%
Milton Market - Units sold are up 11% and average prices are up 13%
Remember!It is important for you to look at your specific neighbourhood to see how your local market is moving.For more information, Click Here.For a complete and detailed report on real estate stats in your neighbourhood, please send me a brief message letting me know the neighbourhood in which you live and I will be sure to get you a report sent out right away!
For more information on buying or selling real estate in Burlington, Hamilton, Oakville, or Toronto Ontario, or if you have questions about current market trends, mortgages or interest rate information, please visit the Sean Kavanagh Real Estate Resource Centre at www.seansells.ca, or at www.seankavanagh.caI'd be happy to answer any questions to accommodate all of your real estate needs.Follow me on TWITTER or FACEBOOK!You can also contact me at 905-220-9198 or at www.realestatechat.ca as I am now a moderator on the Ontario Real Estate chat forum as well as the Burlington, Ontario sub-forum.
I look forward to hearing from you!
Sean Kavanagh
Building Lasting Relationships and Exceeding Expectations
Have you ever thought about paying off your mortgage quicker?Have you ever had some money you wanted to invest, but just didn’t know where to put your money?Bumping up your mortgage payment can save you a fortune over the years ahead.
Consider our happy newlyweds Dick and Jane. They live in Burlington, Ontario in a three-bedroom, two-storey home. They owe $200,000 on their mortgage at 6.5 per cent. Right now, they are making monthly payments of $1,340 and are on track to pay off their house in 25 years. Based on their current schedule, they will wind up paying more than $200,000 in interest over the life of their mortgage.See what happens if Dick and Jane decided they wanted to pay off their mortgage a little quicker.
1st scenario: If Dick and Jane simply increase their monthly mortgage payment by $180 to $1,520 a month, they can pay off their mortgage in 19 years and save $53,510 in interest costs.
2nd scenario: If Dick and Jane split their current monthly payment in two and pay every two weeks instead of monthly, they increase their total mortgage payments from $16,075 a year to $17,415 a year. That means they pay off their mortgage in 21 years instead of 25 years, and save nearly $40,000 in interest costs.
3rd scenario: If Dick and Jane keep making their current monthly payment, but add an additional payment of $7,000 once a year, they pay off their mortgage in 13 years and save $107,000 in interest.
In most cases, homeowners can arrange to take advantage of any of these options simply by calling their bank. But whatever strategy Dick and Jane choose, they should resist the temptation to choose banks’ latest mortgage “deal,” which consists of the ability to skip a payment once a year. While that may seem enticing, such a strategy would stretch out Dick and Jane’s mortgage payments to almost 31 years. They would pay a whopping $263,000 in interest costs over the life of their mortgage, or $61,000 more than if they had stuck with the original 25-year monthly payment schedule.
For more help on how to pay off your mortgage quicker, please contact me today so we can chat about saving thousands of dollars in interest by adding a few dollars per month to your mortgage payments.
House hunters still waiting for prices to drop further before buying may have sat on the sidelines too long, according to a new report.A study released Thursday shows home values in some major markets across Canada have recovered to levels where they were before the recent market drop.Economists agree and say the power has shifted to a seller's market in recent months, after the buyer's were in control for more than a year.
Low interest rates, pent-up demand, and improved affordability as a result of record low interest rates are behind the recovery.This has resulted in buyers taking advantage of the low rates and jumping into the market place.Buyers who have waited for the market to ‘bottom out’ have waited too long.Housing prices have been on the rise and with a small inventory of available houses, sellers are getting close to their asking price, and in some markets, multiple offers are driving the prices over list price.
The market turn around can be attributed to the government’s new incentive programs, particularly for new home buyers.Earlier this year, Ottawa increased the amount first-time home buyers can withdraw from their RRSPs from $20,000 to $25,000, and implemented a tax credit for first-timers of up to $750 to help cover closing costs. It also introduced new tax credits of up to $1,350 for home buyers who do renovations.
The lack of supply has also affected the upward turn in housing prices.Sellers aren't putting their homes on the market because they are anticipating prices to rise further.Less inventory for buyers drives up demand, and in turn price.
Bank of Canada governor Mark Carney has issued a conditional commitment to keep the policy rate at the record low of 0.25 per cent until next summer, which means mortgage rates will likely remain at record lows for awhile longer.
A strong and stable market will bring more listings. An increase in listings and a levelling off in demand will bring us back to a balanced market over the next few months.You can follow the trends more closely by following me on TWITTER, FACEBOOK or on my website, www.seankavanagh.ca
With over 95% of people beginning their real estate search online, shouldn’t the brokerage you choose to sell your home give you maximum internet exposure?
Numbers were recently released at the CENTURY 21 Canada conference in Vancouver that revealed www.century21.ca is now the leading real estate brand web site in Canada, oustripping both the REMAX and Royal Lepage brand web sites, based on number of unique visitors. The CENTURY 21 Canada web site is now second only to the Canadian Real Estate Association's www.realtor.ca site.CENTURY 21 Canada CEO Don Lawby praised the members of the CENTURY 21 Canada system for their continued support and enthusiasm in building and growing the site, and attributed its phenomenal success to the fact that www.century21.ca delivers the kind of online experience that today's buyers and sellers want and expect.
Internet exposure is what will sell your home in today’s marketplace.Century 21 has the greatest internet exposure.Why would you look anywhere else?Not only will you receive maximum internet exposure when you list with me, you will also receive your home staging for free.Maximum exposure coupled with free home staging gives you the greatest opportunity to sell your home quickly for maximum profit.I’m just a phone call, email or website click away!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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