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Afraid of home inspection?

How much maintenance and repairs will cost depends on several factors.

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Establishing a maintenance routine How much maintenance and repairs will cost depends on several factors. The age of your home, how well it was maintained by previous owners, weather conditions in your area, and your profit expectations, will all impact how much you spend. In general, homeowners should budget approximately one percent of their home’s value for maintenance and repairs. If you make a habit of putting aside a small amount of money each month to be earmarked specifically for home maintenance, then it will be less painful when unexpected repairs are needed or when appliances must be replaced. Many prospective home buyers will not consider a home that is clearly in need of TLC, even in a hot market. Finishing your “punch list” before contacting a realtor will ensure that you are able to ask the highest price possible for your property. Home insurance Lien holders require that you purchase homeowner’s insurance to cover damages to your property from the elements, fire, accident or theft. Additional coverage may be required for floods, tornados, hurricanes or earthquakes, none of which are covered by the typical policy. If you live in an area threatened by one or more of these, it is recommended that you expand your policy to cover them. Likewise, if you have a large number of valuables in your home, your insurance should reflect that. Weigh the return on investment when making improvements Painting is an obvious way to improve your home’s appearance without spending much money, but what about big-ticket items such as swimming pools, or designer kitchens? It is easy to get carried away when you are decorating your home, but many projects do not add lasting value to your home or guarantee that you’ll recoup your investment. Research what features are hot in your market and consider your expenditures wisely. Keep good records When you buy a car you want to see the maintenance records to make sure the oil was changed on a regular schedule. Why not do the same for your home? Scheduling maintenance on your home and performing regular check-ups of your chimney, mechanical systems, and roofing etc... will ensure problems are fixed before they get out of hand. Check List Items you should routinely inspect are: Grading and drainage. Slope and landscaping need to angle away from your foundation. Sidewalks, driveways, decks and patios. These should also slope aways for your home. Regrading may be required and railings and balusters should be as required by code. Exterior wood. Paint untreated wood, porches, deck columns and fence posts to prevent rot. Doors and windows. Maintain caulking around frames or the money you spend heating and cooling your home will go, quite literally, out the window. Inspect you doors and windows for correct fit, missing caulk, paint, broken glass or cracks. Exterior walls. Check brick and stone for missing mortar which can lead to deterioration from freezing and thawing. Blistering or peeling paint could indicate roof leaks, bad gutters, interior leaks from baths or laundry rooms, etc. Make sure there are no exposed nails or warped boards. Roofing and surface water. Inspect your roof and chimney regularly with binoculars or from a ladder, when safe. Remove debris from gutters, and trim overhanging branches. Make sure to inspect after severe storms and high winds. Garage. Check the door opener to make sure the safety reverse is working. Prime the inside and outside edges and check the rollers, tracks, and weather-stripping several times a year. Walls and ceilings. Don't igonre minor leaks. They are sure to become major ones. Mildew and mold can be indicators of a serious problem. Maintain painted surfaces, inspect grout and caulking around sinks, tubs and showers. Replace missing grout to prevent damage to subsurfaces. Attic. If your attic is accessible, inspect roof sheathing, insulation and moisture barriers. Mechanical systems. Trip circuit breaker every 6 months and ground fault circuit interrupters (GFCIs) every month. Check lamp cords, extension cords and plugs.Test outlets near water for proper polarity and grounding. Most hardware stores carry testers that are inexpensive and easy to use. If fuses blow or breakers trip, have an electrician inspect your wiring. Ask him to make certain GFCIs are installed at any outlet within 6 feet of water. Never work with or near electricity when your hands or feet are wet. Never remove service panel covers. Avoid using extension cords when possible. Never replace blown fuses with larger fuses. Plumbing systems. Know where the turnoff is for your system. Do periodic inspections of toilet tanks to ensure they are not wasting water. Make sure your water heater is performing as outlined in your owner’s manual. Remove sediment that has accumulated at the bottom of the tank. The pressure relief valve at the top of the water heater shoud be opened periodically to see that it is in operating condition. Check all valves in your home from time to time. If corroded, clean them and check for leaks. Water treatment systems. Install a water softner if you have hard water to extend the life of your water heater and pipes. Sump pumps. Periodically check for proper operation. Heating and air conditioning. Service annually. Oil furnaces have parts that must be replaced periodically. Check for leaks, odor and soot. Keep bleaches, paint and other materials sealed and away from the heater. Service air conditioners every spring according to the operating instructions.

More Spooky Vacations

Haunted Hotels, Inns and Castles!

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Today thrill seekers can go skydiving, cliff jumping, white water rafting or paragliding, just to name a few. Looking for a little adventure, but it's too wet outside to play? Why not snuggle indoors and thrill your imagination with a haunted vacation? Many hotels, inns, and even castles offer spooky weekend getaways. Perhaps a friendly ghost will fold your clothes and lay them out on the bed; a mischievous one might turn on the lights and radio at 2:00AM; or perhaps one with a chip on his shoulder might give you a little "bump in the night" to remind you he's there. You might find it a good laugh or a little fun to shake up the fall and winter humdrums. Below we have expanded a short list of haunted places to stay. We tried to collect from across the US and added in a few international destinations just in case you wanted a ghost with an accent! Enjoy and have some fun! International Haunts: Ireland: Ross Castle | United Kingdom - England: The Feathers Hotel | Scotland: Comlongon Castle | Wales: Ruthin Castle Alabama - Birmingham: The Tutwiler Hotel The History: The original hotel was built in 1914. This hotel was the grandest in the south for its age. Financed by Colonel Tutwiler, its luxury was meant to entice the American and Steel Institute to host its annual convention in Birmingham. Although the original hotel was imploded in 1974, the Ridgley Apartments, also owned by Tutwiler at their inception, was renovated in 1986 as the new Tutwiler Hotel. Either way, the good Colonel owned these buildings, and wanted to keep them for good... The Haunting: Colonel Tutwiler himself haunts this establishment. As long as you mind your P&Qs he will generally leave you alone. He likes to turn on the lights and stoves every night. The staff learned that if they politely ask him to turn everything off, he has been quite obliging. Of course after a renovation in 2007, there does not seem to be as much ghostly activity. Or perhaps the Colonel is just biding his time... How to see it: Although this building is about a century old, it recently received a $9.2 million facelift in 2007 - so all the creature comforts are here. To spend the night, click here. Alaska - Anchorage: Historic Anchorage Hotel The History: The original Anchorage Hotel was established in 1916. In 1936, an Annex was added to accommodate the growing population of visitors. It is this Annex that is now the current hotel and was recently renovated in 1989. Some of the most famous guests include Will Rogers, Wiley Post and artist Sydney Laurence. The Haunting: This is the place to "see" a lot of ghost happenings. Supposedly specters are seen in the halls and objects like to move on their own. TVs turn on and off and faucets are left running by the spirited guests. There is not a particular story other than an abandoned bride, who took her own life when her husband-to-be got cold feet. There is also reportedly a man who walks up and down the stairs, but his reason for staying around is unknown. How to see it: Although a ghost log is not available online, it is rumored to exist - why not check it out in person. All the modern amenities are available to guests. To find out more about spending the night, click here. Arizona - Jerome: Jerome Grand Hotel The History: Built in 1926, this building was originally the United Verde Hospital. The hospital was built to be fireproof and withstand blasts from the dynamite mining nearby. One of the best hospitals in the west, it unfortunately was phased out when the mining in the area began to slow down and closed by 1950. The building stood empty until 1994; it had been a time capsule and was unchanged for 44 years. It is now being restored as a hotel with many of the rooms already completed and open for guests. The Haunting: Being a hospital, there were many patients that perished in its walls. However, there were deaths of two orderlies that many believed was murder. There is also one recorded suicide. When the building lay dormant for 44 years, locals claimed they would still see lights burning in the vacant building. Since being reopen, more paranormal activities have been noticed. The most common is for guests to feel temperature drops and hear coughing or labored breathing in empty rooms or corners of their own guestroom. One ghost is said to be a woman who died in childbirth. She is upset that her child was buried in an unmarked grave and prowls the grounds looking for the babe. How to see it: You may stay in the hotel today. Room rates begin at $110 and go up from there. Being the highest point in the Verde Valley, it offers some great views. And if you're lucky, maybe a glance at a ghost or two! To spend the night, click here. Arkansas - Eureka Springs: Crescent Hotel The History: Founded in 1886, the Crescent Hotel started its career as a sleek and elegant hideaway for the Victorian wealthy. However, not able to stay afloat the hotel closed. It was reopened in 1908 as the Crescent College and Conservatory for Young Women. But this school closed in 1924. In 1937 it was opened as a hospital and health resort. Norman Baker claimed to have a cure for cancer but was met with scrutiny as it came to light that he had no medical education. He was later imprisoned on mail fraud. It wasn't until 1946 that efforts were made to reestablish the hotel. The Haunting: Perhaps the fresh spring water under the hotel attracts spirits thirsting for a little human interaction. This hotel has many different haunted areas from guest rooms, to the lobby, to the grounds. Guests have seen a women in the hall, a tall man knocking on the doors, and former cancer patients and nurses to name a few. A long list of guest experiences can be found at the hotel's ghost website. How to see it: The hotel offers history tours for groups of 10 or more. Ghost tours are available by Eureka Springs Ghost Tours. For reservations and more information click here. California - San Diego: Hotel Del Coronado The History: Babcock and Story built this resort to be the "talk of the Western world" in 1888. Since then it was visited by presidents, foreign dignitaries, celebrities and heroes like Charles Lindbergh and Thomas Edison. The hotel was famous as a backdrop for "Some Like It Hot" starring Marilyn Monroe, Tony Curtis and Jack Lemmon. The Haunting: According to the hotel website, the tales of ghosts started with the untimely death of Kate Morgan. She was a guest in November 1892 that never left. She came to meet her estranged husband but he never showed. Kate was then found dead on the hotel steps leading to the ocean. She died of a gunshot wound to the head that was officially deemed a suicide. To this day some speculate it was murder. She likes to slam doors and randomly turn on the TV. Some have also seen an indentation in the sheets as if someone was sleeping there. There are other ghosts in the hotel as well that love to flicker the lights, provide cold spots and make some random noises. How to see it: Of course you can stay at this stunning resort and enjoy the spa, golf course, pool or take some surfing lessons. To find out more click here (Kate's room was 312, then renumbered to 3312 and now to 3327 - check with staff to verify your request). Long Beach: The Queen Mary The History: Her maiden voyage was May 27, 1936 but with the coming of WWII she was refitted and used as a troop ship housing 5500 souls by May 5, 1940. By the end of the war she was used to transport as many as 12,886 war brides and children from Europe to the U.S. and Canada on six voyages in four months. More war bride voyages would follow. It became a cruise ship in 1963. By 1967 it was purchased for Long Beach, CA to act as restaurant and museum with the first hotel rooms opening in 1972. The Haunting: The first class swimming pool has the most recorded ghost sightings and noises. Many women dressed in 1930 swimsuits have been sighted. But the spirits like to wander and have been seen in many parts of the ship - especially the engine room where two men were crushed to death by the heavy "Door 13". Those who take the self-guided walking tour of the ship have been spooked more than once! How to see it: Brave enough? Click here to find out how to spend the night and sign up for one of the Attractions @ Night tours including the Paranormal Shipwalk Tour, the Paranormal Investigation Tour, the Dining with the Spirits (Dinner and Tour), or the Twilight Historical Tour. The tours are technically enhanced to make certain you get a few jumps and spooks. The hotel also hosts a 'Terrorfest' of haunted mazes on Halloween. Colorado - Estes Park: The Stanley Hotel The History: Six miles from the Rocky Mountain National Park, this hotel has amazing views and offers a serene escape. F.O. Stanley created this hotel after moving to the west when forced to by poor health. Besides the hotel he helped to create the sewer, power and water supply for the area. A recent claim to fame is that a stay in this hotel inspired Stephen King's The Shining. The Haunting: Both F.O. and his wife Flora haunt the hotel. They are amicable ghosts that enjoy hanging about the rooms they loved so much such as the Billiard room and Ballroom. Rooms 407 and 418 have reputed activity of lights going on and off, noises and of course rascally kids playing in the nearby hallway. One story relates some guests checked out early as the kids playing in the hall kept them up all night. When the hotel staff looked at the register there were not any kids as guests (at least not any live ones!). How to see it: Not only can you spend the night but you can sign up for a Historic Ghost Tour that tells you all the history that has created a haunted playground. The hotel has fun with the reputation, click here for more information. Connecticut - New London: Lighthouse Inn The History: Originally known as Meadow Court, this home was a summer retreat for Charles Guthrie. Built in 1902, it was turned into an Inn in 1927. Among such famous guests as Bette Davis and Joan Crawford was Harry Rodvogin, a resident artist who lived at the Inn after his old friends Bill and Al Ronnick spotted him painting portraits on the street. Rodvogin is now recognized for the paintings he created and you can see his work in the local museums. The Haunting: One guest who hasn't left is the spirit of a bride who died falling down the main stairway on her wedding day. But she is rather harmless, she hangs out in guestrooms reading a book or walks around the halls looking a bit forlorn. Strange noises are also heard around the Inn on occasion but shouldn't disrupt a good nights sleep. How to see it: This Inn is now a resort offering such amenities as its own private beach and in-room spa services. To make your reservations, click here. Delaware - Bethany Beach: The Addy Sea The History: Built in 1902 by John Addy, this Inn was originally a family residence. After a wicked storm in 1927, the house was actually moved further back from the seashore. The original foundations were used as a BBQ pit and hang out until they were covered by sand over time. John Addy was a plumbing supplier and made the Addy house and his neighbors homes some of the most efficient and convenient in the area. This made it popular when it first became a boarding house in 1935. The boarding house was run by the Addy family until it was sold in 1975. The Haunting: Room 1 had a haunted copper tub - well until it went missing. The original Victorian tub was originally used by the Addy family. During renovations in the 1980s the tub was stored in a garage but went missing. The thief may have gotten more then they expected as the bathtub is supposedly haunted and rocks and shakes violently at times. But no fear, even with the haunted bathtub gone, there are still specters wandering the halls, random sounds and footsteps, strange whiffs of perfume and even haunting music all keeping the place "spiritually" active. How to see it: Enjoy the Victorian trappings, walk the beach or sit on the veranda on a rocking chair - who knows, maybe the empty one next to you will rock too? To find out more about staying, click here. Florida - St Petersburg: Renaissance Vinoy Hotel The History: Built in 1925, this resort quickly became a popular hotspot for the who's who of Hollywood and the sports world. After WWII the hotel was sold and became a St Petersburg social center, however it started to decline and was closed in 1974. After an extensive $93 million renovation in the late 1990s, the hotel was able to reopen with its original splendor and the ghosts came out to play. The Haunting: This hotel has ghosts aplenty that like to bug staff and guests alike. However, many of the stories of tragic fires and suicides are not seen in the hotels history. But that doesn't stop the ghosts from coming. Scott Williamson of the Cincinnati Reds tells a chilling tale of being pushed down into his bed by a male ghost from the past who shared the same last name! Other baseball players and coaches have reported seeing apparitions, randomly opening doors, faucets with minds of their own and even paintings coming to life - to name a few - for the full tales, click here. Of course I like the story of the historian giving a tour to a group of kids. When asked if the place is haunted, the historian said the 5th was supposedly. On cue, the elevator they were in suddenly went to the 5th floor and opened to an empty hall, no one was there and there is no explanation about why the elevator went there. Recently the TV show Ghost Hunters on SyFy reviewed this hotel. A clip of it may be seen at YouTube, click here. How to see it: Now owned by Marriott, you can learn more about accommodations and fun local activities (including a private marina and an on-site golf course) by clicking here. Georgia - Savannah: 17-hundred-90 Inn The History: This inn was actually built in 1820, not 1790. First a boarding house and later an inn, this home has had many owners and guests. One of these guests was Anne Powell. The legend says she was unhappily married at sixteen to an Englishman. She fell in love with a German sailor who left her "in the family way." She watched his boat sail away and then committed suicide by jumping from the window, landing on the brick pavement below. The Haunting: Anne Powell is the most famous ghost, believed to haunt guest room 204 from where it is said she jumped to her death. She doesn't seem to be a menacing spirit: she sits beside the fire, lays out guests' clothes on the bed or plays pranks on guests waking them up in wee hours of the morning by setting off the radio alarm. Another ghost in the basement kitchen and restaurant doesn't like women very much and likes to shove them around. But this ghost is countered by the ghost of a merchant marine who will help the staff turn the lights off at closing. How to see it: Savannah ghost tours stop here for a drink but you can go to the restaurant yourself and have a bite to eat. Or if you really dare, spend the night instead - ask for room 204! Savannah: Kehoe House The History: This home was built in 1892 for William Kehoe and his family. The large family (they had 10 children!) kept the home until 1930. After that the home became a boarding house, funeral parlor, and a private residence. In 1992 the home opened as a B&B, it changed ownership in 2003, but remains an inn with a B&B atmosphere. The Haunting: The main tragedy of the house (that we know of) was the death of the Kehoe twins who died when playing around the chimney. Children can be heard running the halls and some guests have even had children check in on them in their rooms. But if you don't see the children, their mother Annie is reputed to still wander the rooms, making sure to tuck in all the guests at night! How to see it: Why not spend the night? Ask for rooms 201 or 203. For more information, click here. Hawaii - Kailua-Kona: King Kamehameha's Kona Beach Hotel The History: King Kamehameha lived on this same site until his death in 1819. The hotel just recently went through a major remodel in 2008 - perhaps the ghosts like the new surroundings? The Haunting: Guests claim to have seen or heard an ancient warrior on the upper floor of this hotel. He seems to shout want guests describe as "war cries." King Kamehameha spent his last years on this property and may be buried on the grounds or under the hotel itself. How to see it: This hotel is proud of its surrounding history and displays portraits and artifacts from past Hawaiian royalty and warriors alike. To find out more about spending the night, click here. Idaho - Boise: Owyhee Plaza Hotel The History: Yikes - built in 1910 is about all we could find. So we'll guess that the ghosts are the garden variety scorned lovers, accident prone brides/grooms, restless owners or ex-staff that can't leave or something along those lines ;) The Haunting: Guests who stay in the main building have reported seeing spirits in their rooms. Staff have seen ghosts run though other areas such as meeting rooms and in the basement. How to see it: Unfortunately, there are not that many haunted hotels in Idaho. So don't miss you chance to check one out in every state and make the Owyhee Plaza your next stop! Click here for more information. Illinois - Okawville: Original Springs Mineral Spa & Hotel The History: In 1867 a saddler named Rudolph Plegge noticed water from his well wasn't "normal." After various tests it was discovered to be a spring with magnesia in the water. Plegge used the springs to launch a healing bath much like the ones he knew from Baden Baden, Germany. However, a real hotel wasn't built until 1885. Sadly, in 1892 all the buildings burned. The hotel was rebuilt with the latest and greatest and has undergone several renovations. Continuing as a Mineral Spa, guests were encouraged to drink up (the water) for their good health. The Haunting: Guests have seen ghosts in their rooms. Staff sometimes hear unexplained noises in empty rooms or feel like they are being watched. There are two suicides in the hotel's history and another owner was found dead in one of the upstairs rooms. Charlie Birger and the Shelton brothers were gangsters who took a liking to the place in the 1920's - perhaps they liked it too much? There is also music that leaks through time and walls. Or maybe there is just something in the water... How to see it: Now the spa includes everything from Swedish message to pedicures. Want to check in? Click here to find out how. Indiana - Nashville: The Story Inn The History: This historic inn is located at the boarders of Brown County State Park and Hoosier National Forest. This inn and its collection of buildings is actually what remains of the town of Story that was established in 1851, set up as a lodging community. The Haunting: The Story Inn is haunted by a lady in blue who floats about the second floor of the general store that has been turned into guestrooms. There has also been activity in the restaurant below. A guestbook details the experiences of the spooked over the years. How to see it: Snuggle in for the night. If you don't want a ghost watching over you there are other cabins available in this small community. Click here to find out more. Iowa - Bentensport: Mason House Inn The History: This hotel was built in 1846 for steamboat travelers along the Des Moines River. Later, the Mason House was used as a 'holding hospital' during the Civil War for soldiers being transferred to Keokuk. It also served as a 'station' along the underground railroad. Mason House gets its name from the Mason family who owned the property for 99 years. The Haunting: Three of the owners have died in the building and there was also one murder in one of the guest rooms. In 1860 poor Mr. Knapp had been drinking and accidentally went to the wrong room. The occupant thought he was being robbed and stabbed Mr. Knapp in self-defense. The home had also been a 'holding hospital' in the Civil War and some patients may have died in the home. Also a Doctor renting a room in the 1940s died in the building. All in all, a great hangout for ghosts. The ghosts come in many forms. There are wisps of fog and cold spots to actual figures who appear and disappear from sight. There is a boy that plays tricks; he likes to rustle sheets and tug at guests as they sleep. There are footsteps, thuds and a woman in white. An abundance of ghosts and paranormal events for all! How to see it: Today you may stay at this B&B for about $80/night ($125 if you are staying in the restored caboose!). Request to stay in the main house on the 2nd floor (rooms 5 & 7) for the best chance of paranormal dreams! Ghost Hunting 101 and 102 classes are also available about twice a year and a Halloween Ghost Walk around Oct 31st. To spend the night, click here. Kansas - Beaumont: Beaumont Hotel The History: First opened as a stagecoach station in 1879, there has been bed and board here to care for weary travelers ever since. Of course when named the Summit Hotel in 1890, the cattle barons stayed indoors while the cowboys had to make camp outside. Later the hotel changed hands quite a few times but stayed open. In the 1950s an airstrip was added and flight enthusiasts still make the Beaumont a destination to visit today. The Haunting: Apparently it is a cowboy named Zeke who haunts the halls here. Legend has it that the hotel owner's wife ran a small brothel in the hotel. She became fond of one of her clients named Zeke. The husband found out it was not longer strictly business, became jealous, and shot Zeke dead. Zeke now likes to move furniture and set off alarm clocks in the middle of the night. Some have heard spurs jingling. And Zeke is one of those who likes to go "bump in the night" and has been heard thumping the walls now and then as well. How to see it: Not only equipped with its own airstrip, the hotel also sits next to a 10,000 acre cattle ranch. If you don't want to eat in the cafe indoors, take a wagon ride and try a campfire cookout. To find out more, click here. Kentucky - Bardstown: The Old Talbott Tavern The History: This establishment has been called the oldest western stagecoach stop in America. It started service in 1779 and reportedly boarded such famous tenants as Daniel Boone, Abraham Lincoln, Jesse James and even the French King Louis Phillipe. Used as a stagecoach and Pony Express station, it has seen a lot of coming and going. There was a large fire in 1998 which the hotel is still recovering from; however, they are still open for business. Amazingly, the fire uncovered underground tunnels, secret storage rooms and an old staircase that seems to go nowhere. The Haunting: People have reported seeing a women in a white dress - perhaps Mrs. Talbott herself. Another dark figure of a male has also been seen. The tragic deaths of the Talbott children may lead to some of the energy present. Out of 12 children, 4 died of illness, one died falling down the stairs and another took her life because of a broken heart. There are many pranks that happen such as keys being hidden or items moved around. Others have seen mist form in rooms. How to see it: This hotel has fun with its reputation and offers a Ghost Hunting Getaway Weekend with local ghost chaser Patti Star. Patti worked as the hotel's manager for three years and has become very well acquainted with the "residents." If you want to stay always book ahead, only five rooms are available. To book, click here. Louisiana - New Orleans: Magnolia Mansion The History: This home was built in 1857 by Alexander Harris. After Alexander died of yellow fever his widow remarried and sold the home to the Maginnis family. John Maginnis owned a cotton mill and it was whispered he was struck by lightning because of the cruel way he treated his employees. In 1939, John's daughter inherited the home and willed it to the Red Cross. The Red Cross used the home to train nurses for WWII and the Korean War. In 1954 the home was again sold into private ownership. Magnolia Mansion was renovated in 2001 and opened as a B&B in 2002. The Haunting: When renovating the home, the crew had to stop as an oily substance appeared over the walls. The owner then verbalized her plans for the place out loud so the ghosts would know exactly what she was up to. She told them she was improving the home and the ghosts would not be able to scare the guests away. This appeased them for awhile. However, ghosts are still reputed to slam doors and snuggle into bed with guests on occasion. Many guests have photos of orbs and a few extra faces from their visits as well. How to see it: This adult catering B&B offers a great escape to any non-smoker over 21 years of age. Specializing in romance with Elopement and Wedding packages, the B&B also has fun with their ghosts offering a Romantic Ghostly Getaway Package which includes a room, treats and ghost walking tours. For more information, click here. St Francisville: Myrtles Plantation The History: This home was built by David Bradford in 1794 but stories of haunting did not start until the 1950's. The house had a long history with many different owners. There is only one recorded murder of William Winter in 1871. However, there are many tales that are told about the home to justify the haunting. Most of these seem to be fabricated tales, but many say that is just because the house is so haunted, people needed to make up some kind of explanation. The Haunting: Among the haunting activity is the ghost of a woman in a green turban who some believe to be the ghost of a slave killed for poisoning the head mistress and her two daughters. Others claim this ghost is not a young slave but an older, unknown woman. There is also a little girl who has appeared as well as a frustrated piano player who continuously practices the same cord over and over on the old piano. How to see it: You can dine in the restaurant, take a tour or spend the night. The choice is up to you. Click here for more information. Maine - Searsport: Watchtide The History: Built in the early 1790s, ownership transferred to Brigadier General Henry Knox in 1794. He was a trusted ally to George Washington and was the first Secretary of War for the U.S. After General Knox sold the property, it went through many owners, many of them sea captains who were involved in the shipping industry of the area. The house was an inn starting in 1917 to the 1940s when it then became a private home again. In 1994, the inn reopened and is still family operated today. The Haunting: Guests and a previous owner have reported seeing phantoms in period appropriate dress floating around the home. There are reports of music heard without a "source." Footsteps have also been heard. However, the new B&B owner says there does not seem to be as much activity of late. Perhaps it was the recent remodel that chased away or appeased the spirits. How to see it: Recently renovated, this B&B offers a great quiet getaway as well as easy access to many of the great sites around Maine. To make your reservation, click here. Maryland - Baltimore: Radisson Plaza Lord Baltimore The History: This Art Deco building was built in 1928. The hotel was named after George Calvert, Lord Baltimore who was the founder of the Maryland colony. This hotel was placed on the list of National Register of Historic Places in 1982 and although it has modern amenities, it keeps its historic setting with elegant furnishings and murals. The Haunting: There is a young girl in a cream dress and black shoes that has been spotted playing with a red ball or crying in the guestrooms. Supposedly a women committed suicide on the 19th floor. The elevator will go between the 19th floor and lobby with no one there to push the buttons. How to see it: To make your reservation and check in for the night, click here. Massachusetts - Fall River: Lizzy Borden House The History: As with so many haunted homes, this story begins with a murder. On the morning of August 4, 1892, Andrew and Abby Borden were murdered by ax in their home. Their eldest daughter, Lizzy, was tried and latter acquitted of the murders. However, she was ostracized from the community for the rest of her life. Some consider that she had a split personality, even those close to her recall erratic and violent behavior. And of course there was the creation of the rhyme: Lizzie Borden took an ax Gave her mother forty whacks; When she saw what she had done Gave her father forty-one! The Haunting: There is a strange woman who tucks guests into bed and perhaps the same woman can be heard weeping in the night. Objects move on their own and electrical equipment such as lights and cameras have some interference. Many claim the most active room is Lizzy's old bedroom - which you can stay in if you want... How to see it: The home is now a bed and breakfast. You may spend the night, take a tour or even spend a weekend at Ghost Hunter University! To find out more, click here. Michigan - Marquette: The Landmark Inn The History: Although the hotel was started in 1917, it was not finished until 1930 as various investors worked things out. (It was during this time that legend has it the brothel girl met her untimely end - see below.) The hotel closed in 1982 as it was sadly outdated, however, after a large renovation project, it reopened in 1995. The Haunting: A 30 year old librarian was saved from spinsterhood when she fell in love with a sailor who worked on the ore boats. However, his boat was caught in a storm and all died. The librarian, who was staying at the Landmark Inn with him until they could be wed, refused to eat and soon after died. She now is often seen on the 6th floor, looking out the window for her love to return. During the construction of the hotel (1917-1930!), a makeshift brothel and bar were open. It was thought one of the girls was using her time with the men to influence their politics. Enraged, a drunk patron killed her and disposed of her body in an unfinished section of the hotel. She can still be heard crying for someone to dig her out. The lilac room seems to have the most activity for guests. In fact, even when the room is not rented, the phone from the room calls the front desk, with nothing to say.... How to see it: Stay in the lilac room if you're brave. Or have a drink in the haunted North Star lounge. To find out more, click here. Minnesota - Annandale: Thayer's Historic B&B The History: The Thayer Inn was already established when Gus Thayer and his wife Caroline settled in to manage the place around 1889. The B&B was put on the National Register of Historic Places in 1976. The Haunting: Both Gus and Caroline haunt the place. Gus will leave pennies for guests. A picture of Caroline is said to change depending on her mood. There are also ghost cats that nibble at your feet and make a general mess with yarn. How to see it: Having a lot of fun with its haunted guests, this B&B offers ghost tours, mystery dinners and is owned by a psychic! Instead of spa services, you can order from a laundry list of psychic services from palm reading to past life regressions. To find out more, click here. Mississippi - Natchez: Monmouth Plantation The History: Originally built in 1818, the mansion was purchased by General Quitman, a Mexican War hero, in 1826. The home was almost burned to the ground during the Civil War when the Union won this area of Mississippi. However, Quitman's daughters pleaded loyalty to the Union to save their home (their father was a staunch secessionist). The house stayed in the family until 1914. The home then went into disrepair until it was recently restored after 1978. The Haunting: The General himself stomps around the halls and makes many feel his presence as guests and staff cannot shake the thought that someone is staring at them. He also shows up as a specter to let all know he has an eye on things. Since the new owners have restored the home to its antebellum decor, there seems to be less stomping by the imposing General. How to see it: Regardless of the haunts, this hotel offers luxury accommodation and a great escape. To find out more, click here. Missouri - St. Louis: Lemp Mansion The History: This house was purchased by William Lemp around 1864 to use as a residence and office for the family brewery. William's father had used a family recipe/method to create a lager beer. This beer quickly became popular and William's father abandoned his grocery store to become a full time brewer. The beer continued to be made by the family until 1922 when family mishap and prohibition forced them to shut down and sell for good. The mansion itself has a sorrowful history with one brother dying under mysterious circumstances and three other men of the family committing suicide inside. The Haunting: With three suicides one can easily guess where the idea of ghosts haunting the mansion started. However, the families odd history also adds fuel to the imagination. There is the rumor that William Lemp had an illegitimate son with down syndrome who was kept hidden in the mansion attic his whole life. He is now said to be seen haunting the mansion and has the nickname "Monkey Face Boy." Tales of haunting first started after 1949 when the mansion was sold and turned into a boarding house. Strange knocking and footsteps throughout the mansion scared the tenants away so the house started to run into disrepair. In 1975, the mansion was saved and renovated and turned into a restaurant and inn. All types of sights and sounds have continued and are still reported today. How to see it: Spend the night! Or take a tour if you're too scared... The mansion is a bed and breakfast that offers tours and a restaurant to those who don't want to spend the night. They also host a Halloween Party and Murder Mystery Dinner Theater. To find out more click here. Montana - Pray: Chico Hot Springs Resort & Day Spa The History: In 1894 Percie and Bill Knowles inherited a home near the hot springs and opened their doors as a boarding house as there were not any accommodations in the area yet. They built a hotel in 1900. In 1912, Percie teamed with Dr. Townsend and turned the hotel into a hospital. It would remain a hospital until the 1940s when it would begin to change hands. In 1974, it was renovated and again opened as a B&B. The Haunting: There is a woman in white who likes to wander the halls and spook the security guards. She also likes room 349 where she makes sure the rocking chair is always facing the window. Many think it is Percie making certain everyone is minding their manners and running her hotel/hospital efficiently. How to see it: Relax your spooked nerves in the day spa or natural hot springs. Or get some more adventure on a trail ride or a dog sled trek in the winter. To find out more, click here. Nebraska - Chadron: Olde Main Street Inn The History: This hotel was built at the end of the 19th century. Over a hundred years old it is now a family run (3 generations) B&B who first took ownership in 1969. The most famous story associated with the hotel is that it housed General Nelson Miles and his men before the Wounded Knee Massacre in December of 1890. The Haunting: There is a heavy footed ghost named Jack who stomps up and down the halls and stairs. General Nelson Miles and his men stayed here before the Wounded Knee Massacre. He was a pacer - perhaps the footsteps are Nelson's and not Jack's. How to see it: You can grab a drink at the saloon or stay the night. To find out more, click here. Nevada - Gold Hill: Gold Hill Hotel The History: Most likely this hotel was built in 1859 and is considered the oldest hotel in Nevada. Early in the 1860s the hotel was expanded as business was booming around the combined gold mining towns of Gold Hill and Virginia City. The boom ended after the 1870s and by 1930 only a few hundred people lived in this area. The Gold Hill Hotel fell into disrepair after the 1950s and went through major renovation in 1986. The Haunting: Being so close to the mine shafts, it is believed many of the miner spirits still visit the hotel. The nearby Yellow Jacket mineshaft opens right next to the hotel. A fire in 1873 killed 37 miners in this shaft. Footsteps are heard, and strong smells of cigar smoke and rose water perfume are often present with ghosts William and Rosie respectively. How to see it: This hotel offers rooms as well as lodges made from older buildings around the hotel. Take your pick and enjoy! To find out more, click here. New Hampshire - Durham: Three Chimneys Inn The History: The Three Chimneys Inn was built in 1649 as a residence for Valentine Hill. The home was used during the Revolutionary War to house munitions stolen from the British. The house stayed relatively privately owned and within about four different families. Extensive renovations were done recently in the 1990s. The Haunting: It is possible one of the ghosts is that of Hill's daughter, Hannah, who drowned nearby. Hannah seems to like to hang out in the dining areas and there is an unidentified gentleman spirit that hangs out there as well. The spirits here like to play with electrical equipment - many things just don't work in certain rooms. Furniture will be heard moving about in guestrooms where no one is staying. Also, there will be music heard from the dining rooms. The gentleman has been heard stomping around pacing and one of the spirits even shattered a water glass in the dining hall while dinner was being served. How to see it: Although built in the 17th century, you won't have to rough it here. An elegant stay along the coast and you might get to meet Hannah as well. Click here for more information. New Jersey - Ocean City: Flanders Hotel The History: This hotel was built in 1923 by prominent citizens in Ocean City. This hotel was the luxury accommodations on the boardwalk. The investors were hit hard in the Great Depression and the hotel was bought out by Elwood Kirkman in 1932. After a change of hands, the hotel was considered for a retirement community. However, this was opposed and the hotel stayed and instead was remodeled in 1996 and reopened in 1997. Some of the famous who have stayed at the hotel include Grace Kelley and Jimmy Stewart. The Haunting: Emily is the name of the resident ghost who likes to walk through walls and mess with the lighting. She can sometimes even be heard singing. If she is not signing, she may be spotted hanging around the grand piano or walking through the hall of mirrors. Overall, she seems happy to have all the company. How to see it: Come stay for a visit and enjoy the suites, ocean, boardwalk, and ghosts. For more information, click here. New Mexico - Santa Fe: La Fonda Hotel The History: Records show that a hotel, Fonda, was established here by the Spanish as early as 1607. With the establishment of the Sante Fe Trail in 1821, the hotel became a welcome destination at its end. The original structure is gone but the hotel that sits there now was built in 1922 and has been hosting weary travelers just the same but with a lot more elegance and comfort. The Haunting: This hotel has a selection of ghosts. There are various ghosts that stomp up and down hallways and stairways. There is the gambler who committed suicide by jumping in a well - the well now filled and covered doesn't stop the ghost from disappearing into the floor where he jumps again and again. There is also a young bride who haunts, wouldn't you know it, the wedding suite. Many of the ghosts for this hotel like to be seen, not just heard, as all ghosts have appeared visually at some point another. How to see it: Located in downtown Sante Fe, this hotel offers a great home port for touring. While touring about the town, perhaps you can explore a haunted corner as well! To find out more, click here. New York - Bolton Landing: The Sagamore The History: This hotel was originally built in 1883 to provide a getaway on Lake George in the Adirondack Mountains. This historic building suffered two fires but was reconstructed in 1930. The resort was meant to be a retreat for the wealthy and is still neighbored by palatial mansions across the lake. The Haunting: This hotel has many ghosts including one of a little boy on the golf course! This boy chased balls and sold them when alive. He died in a tragic accident when he was hit by a car running after a ball. Now his shadowy form can be seen running after golf balls on the course. He likes to steal balls and laugh at golfers as they look for them. When they give up he tosses the ball at them, again, laughing. Other ghosts include the guest who come down from the second floor for dinner every night and wait patiently in the reception area before they literally vanish. Then there is the portly cigar smoker in the elevator who may not appreciate the non-smoking policy these days. How to see it: You can stay in the hotel, vacation lodges or a castle (if you have the cash!). Click here to plan your stay! North Carolina - Chapel Hill: The Carolina Inn The History: Owned by UNC, this inn was built by a UNC graduate in 1924. Throughout its history it has been used by the campus to host conferences, guests and alumni. Today the proceeds from the inn are given to the university library. The Haunting: Professor William Jacocks likes to haunt room 252. Although guests do claim to have encounters with the professor, the hotel staff say he has never frightened anyone to the point of packing their bags and running. Instead he is a friendly ghost who plays pranks such as holding the doorknobs so rooms won't open, rustling papers, and making the occasional noise. Some claim there are additional ghosts walking the halls and looming over their shoulder, but always more curious than menacing. How to see it: You can spend the night in this historic hotel; for more information click here. North Dakota - Anamoose: Sage Hill Bed & Breakfast The History: First opened in 1928, known as "White School," this bed and breakfast started history as a primary school. This model school set an example for the area. It used wind power and offered students hot meals and warm showers. The teachers and bus drivers stayed on site. There were two horse barns onsite to house the horses that pulled the school bus/wagons. At its peak, there were 100 students enrolled. The school closed in 1968 because of lack of enrollment. The Haunting: Legend has it that a superintendent and student died in a fire caused by a coal burning stove. The superintendent smoked cigars and the smell of cigar smoke still hangs in the air at times. Objects like to move by themselves around here and lights and even toilets work on their own. How to see it: Sage Hill was recently converted to a bed and breakfast by the current owners in 1996. Even remodeled, it has the feel of the old schoolhouse. Want to spend the night? To find out more, click here. Ohio - Granville: The Buxton Inn The History: Orrin Grainger opened "The Tavern" in 1812. This place has been a host to guests continuously ever since. The hotel's namesake, General Buxton, purchased the hotel in 1865 and gave the hotel a reputation for friendly service. In 1972, the current owners, Orville and Audrey Orr, helped keep the building from being demolished for a parking lot. Instead, the hotel was renovated and other old buildings in the neighborhood were also rescued. Famous guests have included President William H. Harrison, President Abraham Lincoln, Harriet Beecher Stowe, to recent celebrities such as Yoyo Ma and Jennifer Garner. The Haunting: A lot of the previous owners haunt the place. Grainger himself was spotted in the 1920s. Many of the ghosts here like to be seen and can be spotted roaming the main hall or sitting in the tavern. They sometimes like to make some noise as well and their voices have been caught on tape. Prefer animals? This inn is haunted by its very own ghost cat! How to see it: Whether you want to step into history and stay at Ohio's oldest continuously opened inn or if you want to play peek and boo with some ghosts, this is the getaway for you. For more information, click here. Oklahoma - Guthrie: The Stone Lion Inn The History: F.E. Houghton built this mansion in 1907. It served most of its years as a residence and later was turned into a funeral home. The only person to die in the home seems to be a young girl who died of whooping cough after receiving the wrong medicine. The Haunting: After turning this mansion into an inn, the new owners woke up at night to the sounds of footsteps and doors opening and closing. They called the police but no intruder was found. Soon after they realized they had their first "guest" who may be a small girl as she likes to take out the toys at night to play. How to see it: Ready for some fun? From a murder mystery night or perhaps a chance to see a real ghost, click here for more information about how to stay. Oregon - Yachats: Heceta House The History: This house accompanies a lighthouse on the Oregon coast built in 1894. Many families occupied the house/complex over time which included a post office, school and the light house. But it is only the keeper's house that has tales of haunting. Many believe this is the mother of a child who fell off the cliffs back at the turn of the century. The Haunting: The ghost named Rue is said to be an extra caretaker of the house. She makes it known if she is displeased with any activity in the house. One of the more humorous accounts was of her screaming in the middle of a card game, she didn't want them playing cards in her house! How to see it: This house is now a bed and breakfast. It also has guided tours from its interpretive center. Although the current owners don't play up and advertise the ghost, they have said guests have told them of strange encounters. To spend the night click here. Pennsylvania - Gettysburg: Farnsworth House Inn The History: A house was built here in 1810 and later changed to brick in 1833. During the Civil War, the Sweeney family lived in the home and the Confederates used the home as a shelter for their sharpshooters. The current owners purchased the home in 1972 and have worked on renovating the home keeping the early 19th century feel and history. The Haunting: Many ghosts haunt this home. Including Confederate soldiers who like to move furniture and stomp around the attic. Another soldier has been spotted carrying his wounded comrade to the cellar. He is heard singing to his dying friend as well. Mary, a midwife, likes to tend to anyone who is sick or distressed and may sit down on the bed next to anyone who seems to need the company. There is a small boy who died in a carriage accident out front and his grieving father who also haunt the halls. How to see it: Whether a Civil War enthusiast who needs a place to stay or interested in meeting some of the wandering spirits, this inn will fit the bill. This inn has fun with history providing ghost stories in their tours and theater shows. To find out more, click here. Rhode Island - Newport: Castle Hill Inn & Resort The History: The location for Castle Hill originally had a watch house as early as 1740 when it was used to watch the sea for ships during the war between Britain and Spain. The Americans used the same location during the Revolutionary War to bombard British ships as they passed. In 1874, Alexander Agassiz, an explorer and scientist settled here to better study the marine life. It was not only his home but a lab that housed research students as well. The Haunting: There is a girl spirit here who may have some connection to the original owner, Agassiz. She throws a bit of a tantrum now and then and has trashed some of the china on occasion. How to see it: This inn offers a luxury escape on the coast. For more information, click here. South Carolina - Charleston: The Battery Carriage House Inn The History: This house was built in 1843 for Samuel Stevens, a prominent lender in the area who helped local cotton farms finance their farms. In 1870, after the Civil War had ended local wealth in Charleston, Col. Lathers (of the Union Army) bought the home and had it remodeled to the current New York fashion, Second Empire. However, Col. Lathers was told he wasn't welcome in Charleston and sold the home in 1874 to Andrew Simonds, the great-great grandfather of the current owner. The Haunting: There is a gentleman ghost who may be the son of a former owner who jumped off the roof to commit suicide. But he is a gentle ghost and just seems to enjoy the company. There is also a headless torso who makes many feel threatened by his creepy appearance and moaning. He might be the ghost a pirate as some were executed close to the hotel. However it is just as likely he is a soldier from the Civil War. Some guests report seeing energy orbs or have electronics turn on when they are really off. Overall it seems rooms 8 and 10 have the most activity. How to see it: The owners of the hotel have not seen any of the ghosts themselves, but they don't mind if you want to try and catch a glimpse for yourself. Click here to find out more. South Dakota - Deadwood: Bullock Hotel The History: The Bullock Hotel was built in 1895 by Seth Bullock. Bullock had become Deadwood's first sheriff after James Butler "Wild Bill" Hickock was killed in 1876 and the townspeople demanded some law and order. The hotel has since been remodeled and renovated to match the original as much as possible. The Haunting: Sheriff Bullock haunts his old hotel keeping an eye on things. Many guests and staff report feeling a presence of being watched and some have even spotted him in the restaurant and cellar. The sheriff often shows up when people are relaxing or humming - apparently not working hard enough. He then has a bit of a tantrum and throws dishes and glasses about. If he isn't throwing a tantrum, he also likes to mess with lights and other electronic devices. But if that doesn't get your attention, he may just tap you on the shoulder as you walk down the hall. How to see it: They have spruced up the hotel with all the modern amenities. Spend the night, play at the casino and have a beer with the ghost of Sheriff Bullock. For more information, click here. Tennessee - Chattanooga: Sheraton Read House Hotel The History: First named Crutchfield House, this hotel opened in 1847. Although the family was split about the war, the hotel was used by the Union during the Civil War. The hotel burned down in 1867 and was rebuilt. In 1926 the hotel was again destroyed (this time demolished on purpose) and rebuilt to what you see today. The Haunting: Legend has it that a Union soldier killed a prostitute in his room. However, the hotel burned in 1867, so perhaps it is not her ghost that is pestering people. Another story relates that it was the cheating wife who was killed by her husband in the 1920s. Regardless of where the ghost comes from, it seems to like room 311. You may have to specifically request this room as rumor has it the hotel only assigns the room as a last resort. How to see it: A hotel more interested in your comfort than ghosts, you should have a pleasant stay no matter who you "bump" into. To find out more, click here. Texas - Austin: Driskill Hotel The History: Jesse Lincoln Driskill opened this hotel in 1886. The hotel was grand and luxurious, funded by his success as a cattle baron. In 1888, the family lost its fortune due to drought and a cold winter that killed most of the cattle. The hotel then changed from owner to owner with the most recent change of hands in 1995. The Haunting: Driskill is claimed to still wander the hotel, puffing cigar smoke while he turns lights on and off. There is the ghost of a small girl, daughter of a Senator who was left unattended and fell to her death while playing with her ball - she can still be heard bouncing the ball today. How to see it: The hotel today offers all kinds of pampering. To find out more about staying, click here. Utah - Salt Lake City: McCune Mansion The History: This mansion was built in 1900 by a railroad tycoon named Alfred W. McCune. After leaving for California in 1920, the McCune's donated the mansion to the Latter-Day Saint Church. It was then turned into the McCune School of Music. It later became a Brigham Young University Salk Lake City Center and Virginia Tanner Modern Dance School. In 1999 it was purchased by Phil McCarthy who worked to restore the mansion and open it as a hotel. The Haunting: Music is said to still haunt the McCune halls. A small room under the stairs was used by the McCune's as a stage for hired musicians. The whole house would be filled with music but their guests did not know from where it came. It is said this music still fills the air from here. Other happenings include doors locking that are not fit with locks, doors opening on their own and lights going on and off on their own. How to see it: You can schedule a tour of the mansion through the Utah Heritage Foundation. To find out more about spending the night, click here. Vermont - Stowe: The Green Mountain Inn The History: This home was built in 1833 by Peter Lovejoy. The home changed hands and became a hotel in the later 19th century. Mark Lovejoy purchased the hotel in 1893 and renamed it The Green Mountain Inn. The inn stayed in service while having many different owners. In the 1980s massive renovations were done including the addition of clubhouses and townhouses with luxury suites. The Haunting: A tap dancer named Boots Berry haunts the third floor of this inn. Born in 1840, Boots was actually born in the servants quarters - now hotel room 302. He gained local notoriety after he stopped spooked horses from running away with the stagecoach. Boots was treated to one too many drinks and became a bit of an alcoholic and lost his job at the inn. Boots left the area and, as legend has it, was arrested in New Orleans where he learned to tap dance from his cellmate. After a life of a traveling vagrant he returned penniless. During a winter snow storm a girl was stranded on the roof of the inn. Since Boots was familiar with the area (right above the same servants quarters) he found a way to her and helped her to safety. He however slipped and fell to his death. Now it is said during winter storms you can hear Boots tap dancing on the third floor. How to see it: There is lot to do in the area and at the inn itself. Ice cream, chocolate and wine tasting - yes please! Click here to find out more. Virginia - Middletown: Wayside Inn The History: The Wayside Inn opened in 1797 acting in its early years as a stagecoach stop where travelers could get some rest and a hearty meal while the horses were changed. During the Civil War, the inn kept neutrality and served soldiers on both sides which probably helped to spare it from any real damage. The inn was renovated in the 1960s with modern amenities but added antiques to keep the history of the place. The new owners purchased the inn as recently as June 2009. The Haunting: Many of the ghosts here are soldiers from the Civil War. Both sides were welcome here and it seems liked their stay a little too much. The soldiers have been seen and also heard on occasion. Heavy footsteps or a conversation your not part of, just little things to let you know they are there. If you are going to stay, room 14 is said to have the most activity. How to see it: This inn offers old world charm with modern comforts. To find out more about spending the night, click here. Washington - Lakewood: Thornewood Castle The History: Thornewood Castle was built for Chester Thorne, a successful founder of the Port of Tacoma. This Tudor/Gothic estate was completed in 1911. Inspired by the estates in Britain, the stained glass windows were even imported from a castle in Europe. The castle has many different imports that add to the structure and contents of the building. One of the more interesting aspects is the "wishbone sticks" left by the Native American workers who helped in the construction. These sticks help to ward off evil and are found at the foundation in the basement. The Haunting: There are multiple photographs taken of orbs throughout the castle and reports of objects moving on their own. Tape recorders have picked up voices, one of an unknown child. One child did drown in the lake and is said to haunt its shore, perhaps they visit the house as well? Overall, the spirits at Thornewood seem to be a good natured sort. There is not a violent history attached to this home. Although the wife of Mr. Thorne is said to haunt the halls, this is more because she likes the place rather than she is out to get anyone. In fact, some believe Thornewood Castle acts as a vortex and can attract ghosts from the other side. Some guests have reported making contact with loved ones from their lives who have no connection with the castle. How to see it: You may stay in the castle as it is now a B&B. There are Candle Light Tours: for $100 and the cost of a room you can spend the night exploring the haunted halls with a small group of ghost hunters. To spend the night, click here. West Virginia - Parkersburg: Blennerhassett Hotel The History: William Chancellor designed and built the hotel in 1889. The hotel was luxury living and housed the First National Bank of Parkersburg in the front. The hotel underwent renovations in 1985. The Haunting: William is said to haunt the hotel and many can smell his cigar smoke as he patrols the halls. When his portrait was put in storage during renovations he acted up bit - climbing into bed with guests - to make certain he was not forgotten. Since his portrait has been placed back on the wall, he has been a bit less obtrusive. But William isn't the only ghost. Another gentleman ghost in a white suit likes to pop up behind you when you look in the mirror. I think I would rather hang out with William... How to see it: This hotel offers comfortable accommodations with an old world feel. They even have fun with their haunting reputation and offer a haunted weekend getaway in the fall. To find out more, click here. Wisconsin - Milwaukee: Brumder Mansion The History: George Brumder had the home built in 1910 for his son, George Jr. After they sold the home, the house was everything from a boarding house to an activity center for a Lutheran church. They used the home for office space, a theater, and later opened a coffee house with a live music venue. The current owners purchased the home in 1997 and opened the renovated space as a B&B in 1998. The Haunting: The Gold Room was once the room of one of the Brumder daughters who never married after suffering a broken heart early in life. She is said to still stay in the room, in fact she was quite appalled and upset when the current owner spent the night in this room with her dogs - no dogs allowed! Your dreams will be haunted if any dogs sleep on the bed! How to see it: It's a Bed & Breakfast, so take the plunge and spend the night - request the Gold Suite! You can even join a ghost hunting seminar or enjoy a haunted history dinner! For more information, click here. Kewaunee: Kewaunee Inn The History: Built in 1912 by William Karsten this inn is still commonly known as the Hotel Karsten. Father and son managed this hotel until William Karsten Jr.'s death in 1964. The hotel then changed hands and received various facelifts. The most recent owners renamed the hotel to the Kewaunee Inn at Hamachek Village in May 2008. The Haunting: The ghosts at the Kewaunee Inn didn't start to bug the living until after renovations started in 1966. The inn website mentions the triad of ghosts include William Karsten Sr, Billy Karsten III (who died at 5 years of age shortly after his grandfather), and Agatha the housekeeper. Agatha seems to be the most active, floating about the halls and popping up behind you when you look in the mirror! She doesn't seem to like men much - so any male guests be on your guard! William likes to have a drink at the bar now and then and Billy still runs up and down the hall playing. How to see it: Brave enough to spend the night? Click here to make a reservation. Wyoming - Cheyenne: The Plains Hotel The History: This hotel opened in 1911 to meet the needs of travelers, oil tycoons and cattle barons alike. Attracting all types of guests, presidents such as Harry S Truman and Ronald Regan as well as movie stars such as Jimmy Stewart and Debbie Reynolds have stayed here. The most distinguished visitor was an Arapaho, Chief Little Shield, whose portrait now is used as a type of logo throughout the hotel. The luxury of yesterday was recently restored in 2002. The Haunting: Legend says a newlywed couple and a mistress walk the halls here. The couple were on their honeymoon when the new husband went downstairs to the bar. When the wife followed she spotted him with another woman. The wife followed the two lovers to their room, shot them, returned to the honeymoon suite and then shot herself. Laughter and crying can now be heard in the honeymoon suite. The husband is seen wandering the halls and the basement. The mistress can't be missed, she wanders the halls in a fancy red dress. How to see it: Shake up your journey a bit and spend the night. To find out more, click here. Puerto Rico: Hotel El Convento The History: This former Carmelite convent named The Monastery of Our Lady Carmne of San Jose was founded in 1651. The nuns left this convent in 1903 and site fell into ruin until 1962 when Robert Woolworth purchased it to make it into a resort. The Haunting: Dona Ana was a noblewoman who lost her husband in the war with the Dutch and then turned to her faith. She donated the land for the Carmelite convent. It is said her spirit and those of nuns can be seen about the grounds and gliding through the halls. How to see it: For information about how to enjoy a luxurious stay with these faithful spirits click here. International Haunts: Ireland: Ross Castle The History: This area shows record of settlement since the Iron Age. The castle tower was completed in 1537 by Richard Nugent, 12th Baron of Delvin. A family loyal to the English crown for their title and rank hoped to received the extra boon of £10 given as encouragement for each fortification built in Ireland. In time the Nugents began to marry the once rival Celtic nobles especially the O'Reillys. In 1644 the castle was pulverized by Cromwellian soldiers in retribution for Myles O'Reilly's defiance. Restoration was begun by the family in the 19th century and the castle was later modernized with plumbing and electricity. The Haunting: The castle's founder, Richard Nugent was also known as the Black Baron and, you guessed it, he had a reputation for being quite unpleasant. The Black Baron had a beautiful daughter named Sabina who had the unfortunate luck to fall in love with Orwin O'Reilly (at this time still an enemy). Moved by love to give up their home, family and wealth, they decided to elope. However, as they made their escape by boat a storm came up and it capsized. Orwin died but Sabina lived. Crushed with heartache, she pinned away in Ross Castle tower until she finally gave up the ghost which in turn walks the halls to this day. She is said to sometimes be heard screaming! The Black Baron is also rumored to haunt the grounds and can be quite unpleasant. How to see it: Besides ghost hunting, you can go fishing, golfing, horseback riding, sailing, boating, hiking, cycling, go see the races or even take flying lessons! Plenty to do and see in a romantic setting. For more information about spending the weekend, click here. United Kingdom - England: The Feathers Hotel The History: The original building was built in 1619 and has been added to and modified since. First a private residence, it was changed to an Inn in 1670 after the English Civil War and would remain one for the next 200 years! In 1863 it changed to a hotel and started to acquire more land and expand. Why feathers? There are faded motifs of ostrich feathers on the outer woodwork still visible. They were a symbol of the Prince of Wales and en vogue at the time of construction. Not to mention the town of Ludlow was royalist even during the English Civil War. The Haunting: There is a female "guest" in room 211 who is known to bother women rather then men in the room, pulling their hair and letting them know they are not welcome. There are a couple gentlemen ghosts roaming about including one who is accompanied by his ghost dog! How to see it: You can join on a ghost hunting adventure either with Eerie Evenings or Haunted Breaks. Or you may opt to spend the night and enjoy the historic surroundings. For more information click here. Scotland: Comlongon Castle The History: This stronghold dates back to 1451 when it was constructed for the Murray family. The residents of this border castle enjoyed the profits of dealing in "the black meal" or modern day blackmail. They would kidnap wealthy neighbors and hold them in a dark pit until terms of the ransom were arranged. They would then treat the prisoner as an honored guest until the amount was paid. But business wasn't always that good and the castle later fell into disrepair until purchased by the Earls of Mansfield in 1880. During WWII the castle changed hands again and became an orphanage. Then after 1984 it was revamped into the hotel it is today. The Haunting: In 1570 Lady Marion Carruthers was hiding out in the castle trying to avoid a forced marriage to James Douglas who wanted her fortune. When the courts ruled in favor of James, she jumped from the tower to her death and subsequently became the castles resident ghost. She is still seen wandering the castle and grounds today, you'll know if you see her by her green dress. How to see it: Advertising mostly as a picturesque local for weddings, this castle has plenty to offer the general weekend escapists as well. Click here to learn about spending the weekend. Wales: Ruthin Castle The History: Legend has it that the original castle was a wooden fort lorded by Huail. He fought King Arthur and wounded him in the knee. A truce was called but Huail later mocked King Arthur and was beheaded. The first stone structure was put up by King Edward I in 1277 and the castle was owned by the crown off and on until sold by Charles I in 1632. The modern stone structure was built in 1826. However some of the older walls, dungeons and tunnels are still standing today. The Haunting: This castle comes with its own Grey Lady, dating back to the time of Edward I, this ghost was sentenced to death for killing the lover of her husband. Soldiers are said to still march around the grounds and prisoners long dead are still heard moaning in agony. How to see it: If you don't find ghost hunting or random spooks exciting enough, this castle offers other entertainment including medieval banquets (one even with a murder mystery theme!), golf, and romantic getaway packages.

How to start a Neighborhood Watch

A neighborhood watch can help police cut down in crime.

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Many people are skeptical when they hear about neighborhood watches. Many think it involves a lot of effort with minimal impact or effect. However, most police departments will inform you otherwise. A neighborhood watch can help police cut down in crime as you are going to notice suspicious, out of place behavior in your neighborhood before they will. An example that is often used is the scenario of the stranger hanging around your neighbor's car. You look out your window and notice a stranger at your neighbors car and know they do not belong to that car. However, when a cop car drives by the stranger casually looks up and waves hello. The officer cannot tell that person does not belong to that car or neighborhood, he/she may wave back and simply drive ahead. Obviously a call from someone in the neighborhood would inform the police of the stranger's suspicious behavior and they can question them. So how does a neighborhood watch work? How do you set one up? How can you and your neighbors reduce crime and help the police in your area?

Why should our neighborhood start a watch?

Still haven't convinced you? Fair enough, lets look into the benefits of a neighborhood watch a bit more. Unfortunately, most neighborhoods don't consider a neighborhood watch until there is already a problem with thefts, burglaries and/or vandalism. Today, many households have two working parents and kids gone at activities so the home is empty a majority of the day making it a target for thieves. A neighborhood watch helps to place other sets of eyes on your home when you are away. Your neighbors get an idea of who belongs there and will more easily recognize something out of the ordinary. The neighborhood watch will also help build a community partnership. Neighborhoods today are more isolated, people do not know their neighbors so it is more difficult to identify normal behavior for a household. Some neighborhoods have taken this a step further and used the watch to help community in the time of an emergency. Recently in Saucier, MS a neighborhood watch group used their ties to make a list of all those staying behind when Hurricane Katrina came ashore. After the storm, members used this list to make sure everyone was accounted for and also used the list to set up aid for the community including food, water, clothing and other necessities (Neighborhood Watch Needs You, National Crime Prevention Council). In addition to building a sense of community, a neighborhood watch can also help keep the community informed. A neighborhood watch sets up a phone tree system so you know if someone has had a problem in your area. Without this system you may not hear about vandalism or some other problem until a much later date or not at all. Finally, a neighborhood watch helps the police in you area do a better job. As in the example in our introduction, neighbors are the ones that can inform police of suspicious behavior that would not be obvious to them. Also, neighborhood watches may help police build a case on crimes. For example, in one neighborhood, there was a vandal who was slashing tires. In most cases this would only have been a "slap on the wrist" with little real consequence to the vandal. However, with the neighborhood watch, they were able to document that 80 tires were slashed in the neighborhood during the same crime spree. This made it much easier for the police to build a case for stronger prosecution of the vandal (Open Letter to Watch Groups in Kent). These are just a few examples of ways a neighborhood watch can help your community.

What does a neighborhood watch involve?

Meetings - The last thing anyone wants is more meetings to attend! With a neighborhood watch there are really only two major meetings that need to be done.

The First Meeting - The first initial meeting with your neighbors is to see who is interested in joining. This is a vital meeting in that it is where everyone learns what is involved and expected of participants. Once people find out how little time is involved, many neighbors will express an interest. At this meeting you will want to cover setting up a map, a phone tree, and electing a captain and co-captain(s). You may also want to distribute information on programs like Operation ID or other crime prevention programs that your community may find beneficial (your police department can help you find materials or you may also look to the organizations listed in ourMore Info on the Web section).

Yearly Social - After a watch is in place, there should be at least one neighborhood social per year. This may be a BBQ, Community Garage Sale, Neighborhood Picnic, or some other type of family friendly, all-inclusive gathering. At these social events, captains and co-captains may easily give quick highlights and goals for the year. This could be done as a speech or flyers handed out at the event. This would also be a good time to check and see of any changes in information for the watch - such as a change in phone number, etc. After a quick recap of watch business the rest of the social is a community building experience. It is a chance for neighbors to get to know one another and put faces with names. It should be fun - not tedious!

National Night Out - National Night Out (NNO) is sponsored by the National Association of Town Watch. It is an annual event for neighborhoods to participate in to promote safety and awareness in their community. Taking place on August 1st of every year, the identified goals are: "heighten crime and drug prevention awareness; generate support for, and participation in, local anti crime programs; strengthen neighborhood spirit and police-community partnerships; and send a message to criminals letting them know that neighborhoods are organized and fighting back." Again this is organized around some social activity such as BBQ, block party, or flashlight walks, to name a few. A neighborhood watch can register their event with NNO and receive helpful information about how to set up their event. To find out more visit their site at www.nationalnightout.org/nno/.

Captain & Co-Captain - Captains and co-captains are those who help organize records and keep track of the changes in the neighborhood. Captains are the contact point for people to notify of changes such as phone numbers or new residents. Usually captains will organize a welcome for any new residents welcoming them and informing them about the neighborhood watch to see if they would like to participate. And most importantly, captains are informed of any problems in the area. It is assumed the effected party would have notified the police. However, the captain can also track events and report it to their contact with the police department; as in the example above, it was a captain who brought it to the attention of the police that over 80 tires were slashed in one crime spree. Keep in mind the police don't have a database that would track minor crimes like this, thus a neighborhood watch can help collect this useful information. Captain should be by no means be an exhaustive position! Instead, they are helped by co-captains and can have their duties covered by co-captains when gone. Many neighborhoods will assign more than one co-captain to help share responsibility. One example is to have a captain designated as the main police contact and then multiple co-captains for each block or cul-de-sac for neighbors to report to.

Phone Tree - A phone tree is the easiest and fastest way to help notify the neighborhood of important events. Like other phone trees, each person only calls a few people and then the next group calls the next so no one person is calling everyone. After a crime has happened a phone tree may be used to help notify the neighborhood a certain type of crime at a specific location occurred. Today, some may opt for an email instead of a phone call. However, make sure to somehow include all that want to be involved. Some residents may not want to use email and still need a mini phone tree.

Newletter - This is not the quickest way of giving out information but it is effective. Either pamphlets or emailed letters will help give the neighborhood updates of what has been going on the last couple of months. Unless there are major concerns, newsletters may be quarterly or every couple of months. Many times these newsletters can also inform residents of local events or holiday related safety and laws; for example, safety tips and local laws for the use of fireworks on the 4th of July. If working with a police department representative they may already have a newsletter available to which you may tack on neighborhood info before distributing. Newsletters are not required for a watch, but some do find them useful.

Map - The map is a extremely useful tool for the neighborhood watch. A standard map will show the streets involved in the watch, the homes, names of residents, phone numbers, emergency in-state and out-of-state contact numbers and email. This information is always voluntary. However, many residents will find the extra security worth it. Most of us will not know an address of our neighbors, instead we know 'it is three doors down' or 'just around the block'. This map will help get the exact address if the need arises to notify the police and neighbor of a problem. This map may be used in a number of ways. This can be used by a neighbor who sees someone prowling outside a window at night to call the neighbor and the police. If there is smoke from a house, a neighbor can tell the fire department the exact address and notify the resident if they are not at home. Or it might be used with the phone tree to raise the alarm in a neighborhood. One example of this is a vandal just broke the front window of the house but was scared off and got in a car and drove off down the street. You can call the neighbor down the street and see if they saw which way the car turned or can see the license plate. All this will help police track them down. This is a good time to note, that a neighborhood watch is used for information gathering - at no point should neighbors be running out in the street as vigilantes to stop crime. Instead they use the phone tree, map and neighborhood connections to track events and relay information to the police!

Operation ID - Operation ID is a way to encourage citizens to inventory their valuables. Residents mark or engrave valuables with a special number. Usually a driver license is used as this is public information and also identification back to you. If you use your driver license number, then make sure to put your state initials before the number and DL after so the number cannot be changed and will help police identify out of state items. NEVER use your social security number! Valuables may be marked with your identification number with invisible marker or engraved. Keep an inventory list of all items marked and store in a secure location such as a lockbox or fire proof (locked!) safe. Once you have inventoried items you may get some decals from the police for your windows and items. If your police department offers these decals it is usually a limited number. You may have to purchase more decals for all your items. Many neighborhood watches purchase an engraver for the neighborhood and then check it out to neighbors. They also then get decals for all participants so the neighborhood is covered and burglars are deterred. **If you sell an item with your ID, then cross it out with one line and initial it. Also make sure to note it on a bill of sale for the buyer. Keep a copy for your records.

Going the Extra Mile - Make an effort to look out for each other on a daily basis. Help each other better protect their homes and the neighborhood by encouraging neighborhood participation in activities.

  • Get all neighbors to turn on porch lights at night.
  • Help older neighbors or others who may need help with the safety of their home. For example, help trim high bushes in front of their door/window or change light bulbs in high outdoor lights.
  • Have clean up parties to help clear out vacant lots, playgrounds/parks or abandoned cars. Help clean graffiti right away.Work together to beautify the neighborhood, let would be criminals know you care about where you live!
  • Recognize captains, co-captains and other participants who go that extra mile to help others!
  • Use the neighborhood watch to sponsor safety events. For example, invite fire fighters to a meeting to help better prepare residents against fire.

How do we start a neighborhood watch?

So how do you start a neighborhood watch? First, contact your local police. Not all departments have facilitators to help set up a neighborhood watch, but they will have resources available. Even if they do not have an official representative, ask the department if an officer may be able to stop by the meeting, many times something like this can be arranged in advance. Next, set up a meeting with your neighbors to give out information and see who is interested in participating. This should be a meeting place accessible to all, maybe a school or church in the neighborhood. As mentioned before, this is the vital meeting where you explain to others what is involved and expected for participation. You will find that many neighbors will express an interest, especially after they find that it does not require a great deal of time or effort. At the first meeting get as much information as possible as it is harder to get the information later. Nominate a captain and co-captain, hand out a form for residents to submit information for the community phone tree and map. Find out if residents are interested in meetings every few months or general meetings about fire safety or if they want to stick with one annual meeting per year. Once the first meeting is over and the information is gathered, the captain and co-captains can compile the phone tree and maps. These will then be given to every participant in the neighborhood. And that was the major bulk of the work. Now it is up to residents to keep information up to date and work with their neighbors on community projects or socials. That's it! 

There are many benefits to a neighborhood watch program. Start the dialogue with your neighbors and see if you can start one in your community. It is a great way to build community, cut down on crime and rethink what a "neighborhood" is all about!

Preventive Maintenance Tips for your Home-Part 7

This month we will conclude our Spring season tips.

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Welcome back to Rocky’s Corner! Last month we started Part 6(a 2 part Spring) of an 8 part series of Preventive Maintenance Tips for your Home. This month we will conclude our Spring season tips.

Every Spring-Part B

EXTERIOR CAULKING:

  • Inspect caulking and replace if deteriorating.

FLASHING:

  • Check flashings around all surface projections and sidewalls; replace if necessary.

GUTTERS AND DOWNSPOUTS:

  • Clear/install/repair gutters and downspouts and make sure the runoff is directed away from your home so it can’t erode the soil around the foundation or run into your basement or crawl space.
  • Install gutter accessories to divert water, channel underground drain lines into existing yard drainage or storm sewers, or consider installing a dry well at the end of the drainpipe to slowly distribute the water to surrounding soil.

LANDSCAPING:

  • Clean out the flowerbeds, removing fallen leaves and blossoms to avoid potential fungus and molds.
  • Cut back and trim all vegetation and overgrown bushes from structures.
  • Trim non-fruit trees before they start to grow and both fruit trees and Rose bushes before they start to bud to improve their production.
  • Consider a lawn renovation to eliminate the brown spots and crab grass left over from last summer and reseed bare spots. Contact a county extension service or gardening service for advice about proper lawn and garden care for your area.
  • For all of the above items, a prescreened pro may be your best bet. PIPES: Remove insulation around outdoor water pipes. Check for leaking around the outside hose bibs and evidence of rust or a white line deposit that may indicate a leak is starting.

ROOFS:

  • Inspect roof surface for warping, aging, moss, and cracking, making sure that shingles, shakes or tiles are sound; repair or replace as needed.
  • Inspect the flashing around chimneys, skylights and vents.
  • Seal cracks or openings where water could penetrate.
  • If you see significant damage or wear, contact a roofing specialist to give you a bid on a roof replacement.
  • Check eaves, and soffit for signs of water damage or deteriorating paint.
  • Repair, repaint or consider wrapping with maintenance-free vinyl or aluminum soffit and fascia.

SIDING:

  • Inspect siding (especially on the south and storm sides of the house) for evidence of deterioration, including cracks, splintering, decay, and insect damage; clean, treat and repair as needed.
  • Remember, paint protects wood and stucco surfaces; postponing necessary painting will require more extensive and expensive preparation (scraping, sanding, and priming) and repairs before repainting in the future.
  1. Brick and stone: check joints between wood and masonry. Waterproof, repair or repaint if necessary.
  2.  Wood: look for lifting or peeling paint, splitting wood or areas where the wood grain is separating or “checking” because water is getting into the siding.
  3.  Stucco: a chalky residue that rubs off on your hand is evidence of oxidation, a deterioration of paint or color coat that reduces stucco’s insulating value. If the stucco is cracked, this allows water to get in around windows and doors. If this is the case, have your stucco professionally repaired.
  4. Trim: look for peeling paint on the fascia boards, window sills and sashes that could allow water in to form mildew and fungus on the interior of your home behind curtains, blinds and window coverings. Consider installing maintenance-free vinyl or aluminum trim.

SPRINKLERS:

  • Check lawn sprinkler system for broken heads, leaky valves and exposed lines and contact a sprinkler service if necessary.

WATER WELL:

  • Consider having well water tested for safety. Join me next month for our final Part of our series on Preventive Maintenance Tips for your Home. Visit us at www.freminshomeimprovement.com

Open electrical splices

In the course of inspecting a home, I often find open electrical splices in the crawl space and attic, and I cite them in my report.

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In the course of inspecting a home, I often find open electrical splices in the crawl space and attic, and I cite them in my report. A splice, in layman’s terms, is a connection between two or more wires. These splices are normally made with a small plastic device resembling a thimble that is called a wire nut. The wire nut is twisted onto the wires, and holds them tightly together for a good connection. In accordance with accepted electrical practice, all splices must be inside an approved electrical box with a cover, and this box must be attached to the framing of the house and accessible. These boxes are either metal or plastic. The reason why splices must be inside a covered box is very simple. When electric wires become loose or overloaded, they can get very hot, and, in some cases, throw off sparks. If the wires are out in the open, they can drop sparks onto combustible materials or otherwise cause them to ignite. The electrical box is designed to contain the heat and sparks long enough for a fuse to blow or a breaker to trip. Crawl spaces are not very nice places to work, and the person doing the wiring is probably in a hurry to get out of there, and not interested in going back to place a cover on each box. Open splices are an invitation to disaster, and should be corrected as soon as discovered. If you suspect that your home has open splices in the crawl space or attic, have a qualified electrician correct the problem as soon as possible.

Customer Deposits

Illegitimate Revenue Stream for Banks?

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This month, for a change of pace, we are bringing you a LAWCHEK™ ALERT! from our partner and legal site Lawchek.com. This article reviews the questionable changes that have occurred relative to bank "holds" on customer deposits. These changes can effect everyone from the individual customer to the small business owner.

CUSTOMER DEPOSITS: ILLEGITIMATE REVENUE STREAM FOR BANKS?
Richard A. Pundt, Attorney at Law

For quite some time now, certain banks and other financial institutions may have been profiting from what some members of Congress are calling an illegitimate revenue stream, namely, the deposits of its' customers. Today, many banks will place “holds” on customer deposits. Such customer deposit “holds” are for ten business days and usually translate into a ½ month use of the funds deposited; In this way, banks are able to benefit from the interest on customer funds. This questionable practice has caused outrage by depositors and has ignited the concern of key members of Congress.

Congressman Michael Oxley (R-Ohio) has stated: “Holding a deposit to ensure its safety and soundness is reasonable. But holding a deposit in order to profit from the interest is completely unacceptable. The latter practice prevents consumers from realizing the benefits of their own assets, while creating an illegitimate revenue stream for financial institutions. It unfairly penalizes consumers and should be eliminated from the U.S. payment system.” 1

From an analysis in a report by Ms. Laura Bruce of www.Bankrate.com, it is revealed that there are many concerns relative to the new federal enactment of the Check 21 Act. "Check 21" allows the checks that individuals write to clear within one to two days while the deposit may be held by a bank for up to ½ month when weekends are added to the allowable ten day hold under “exceptional” circumstances of the FED Regulations. As a result, the consumer may get “nailed” for overdraft charges if the consumer was counting on the deposit and, in addition, the banks have been keeping the interest on the funds “held” through the deposit delay. Ms. Bruce also notes in her article 2 that Congresswoman Carolyn Maloney (D-New York) has introduced HR 5410 that would “…redress imbalances between the faster withdrawals permitted under the Check 21 Act and the slower rates for crediting deposits.”

Examples of bank customers delays due to the banks “hold” practices is very wide-spread and, undoubtedly, has accounted for hundreds of millions of dollars worth of profits for banks. Consumers, realtors, businessmen, and attorneys are becoming increasingly aware of these practices by the banks. This author has encountered quite a number of reported instances where consumers experienced an improper deposit delay or hold for an unreasonable period of time.

Of the many instances reported to this author, there are three that merit review in regard to the issue of deposit “holds.” The first instance involved a very well-respected attorney who deposited over $200,000 into his attorney trust account at a well-known bank and was verbally informed, after the deposit had been made, that there would be a ten business day “hold” on the deposit. He did not receive any written notice as prescribed by Federal Reserve Regulation CC (Availability of Funds and Collection of Checks, 12 CFR 229). This particular attorney had never over-drafted his account and has always maintained a sterling reputation with the Bar, as well as other attorneys. Moreover, the deposit consisted of checks from State Farm Mutual Ins. and John Deere Inc. The attorney directed a hand delivered correspondence to this well-known bank, wherein he requested an immediate removal of the “hold” or, in the alternative, an explanation as to whether the bank in question believed that checks from either State Farm Mutual Ins. or John Deere Inc. would not clear or if there was any improper activity by State Farm Mutual Ins. or John Deere Inc. in regard to: (a) any suspected criminal activity, (b) any suspected money laundering, (c) any suspected terrorist activity, or (d) any other improper activity that would mandate the holding of either check. Needless to say, the bank could not accuse either State Farm Mutual Ins. or John Deere Inc. of any such activity, yet the bank continued its “hold” on the deposit to the trust account from December 7, 2005 until December 20, 2005. The attorney has never received a written or an oral explanation, as he requested in writing, for the hold as prescribed by Federal Reserve Regulation CC (12 CFR 229).

The second instance involved a well-respected realtor who deposited between $200,000-$300,000, as a result of a closing, into his account at the aforementioned bank. He was unaware of any “hold” on the deposit. The realtor issued various checks, as customary, to: other financial institutions, the seller, realtors, an insurance company, taxing authorities, and others. When the bank in question refused to release its “hold,” the realtor’s checks bounced and a significant amount of distress and embarrassment was the result for all parties concerned, except, of course, the bank that profited in two ways: from the interest on the deposit and from the overdraft charges.

The third, but surely not final, instance involved a party who received a Cashier’s Check from a centrally located and well-known bank and, on the same day, deposited the Cashier’s Check into an account at a branch of the same bank. The branch placed a “hold” on its' own main bank’s Cashier’s Check. What is especially interesting about this case, other than the fact that it was the bank’s own Cashier’s Check, is the fact that under Federal Reserve Regulation CC (12 CFR 229), a Cashier’s Check, as well as a check drawn on an account held by the same institution, must be made available on the first business day following the day of deposit.

It would seem that compliance with Federal Reserve Regulation CC (12 CFR 229) is being ignored by several of the largest banks. According to the article by Ms. Bruce, as noted above, proposed legislation HR 5410 has been presented in Congress to benefit the consumer. The legislation is being introduced in order to counter the Check 21 Act that allows the checks written by consumers to clear faster than the actual deposits made at the banks. It is noted in the article that Representatives from Wells Fargo Bank and Wachovia Bank have stated that their banks place holds on less than one percent of all deposits. If one were to consider the dollar magnitude of that one percent, especially if such deposits are for more than $5,000, a substantial windfall of interest profits are the likely result for the banks placing the “hold.” Perhaps the one percent accounts for hundreds of thousands of deposits each day and, if the average dollar amount of such deposit is $10,000 (most likely it is much more), the money on hold by the large banks at any one time would be in the hundreds of millions of dollars for which the banks gain interest on consumers assets, as noted by Congressman Oxley.

Under the Federal Reserve Regulation CC (12 CFR 229), it is mandated that interest should be paid to the consumer (See Regulation CC (12 CFR 229.14)). It is, therefore, understandable why Congressman Oxley has stated that such practice by the banks “…prevents consumers from realizing the benefits of their own assets, while creating an illegitimate revenue stream for financial institutions."

Under Federal Reserve Regulation CC (12 CFR 229), the following deposits must be made available on the first business day following the banking day of deposit: (1) Cash, (2) Electronic Payments, (3) U.S. Treasury Checks, (4) U. S. Postal Service Money Orders, (5) Federal Reserve Bank and Federal Home Loan Bank Checks, (6) State or Local Government Checks, (7) Cashier’s, Certified or Teller’s Checks, (8) Checks drawn on an account held by the same institution upon which the check is drawn, and (9) the first $100, or if less than $100 the entire amount, of all other checks. In the case of the individual who had deposited a Cashier’s Check into an account that was held by the same bank upon which it was drawn, both subsection 7 and subsection 8, as noted above, were ignored.

On other deposits that are not listed above, including the proceeds of local and non-local checks, the checks must generally be made available for withdrawal by the second and fifth business day respectfully following the deposit (See Regulation CC (12 CFR 229.12)). In the case of the attorney, and in the case of the realtor, as noted above, if the deposited checks were local, the deposit should have been credited within two days, and if the checks were non-local, the checks should have been credited within five days. There should not have been an arbitrary hold for ten business days or a ½ month total hold on the deposits.

However, there are exceptions set forth under Regulation CC (12 CFR 229.13), and those exceptions involve: new accounts,3 large deposits, repeatedly overdrawn accounts, or emergency conditions. The only exception of the above examples involving the attorney or the realtor, as given, would be the exception of a large deposit since our investigation ruled out any other scenario. In the case of large deposits, the bank must provide a notice to the consumer (See Regulation CC (12 CFR 229.13)), and that notice must be in writing (See Regulation CC (12 CFR 229.15), (12 CFR 229.16), (12 CFR 229.17) and (12 CFR 229.18)). Additionally, and under Regulation CC (12 CFR 229.14), interest must be paid on interest bearing accounts no later than the day the bank receives credit for the funds deposited.

It would appear that certain banks may be circumventing the requirements of Federal Reserve Regulation CC (12 CFR 229), and that is undoubtedly one of the reasons that Congressman Oxley has expressed concern, and why Congresswoman Maloney is reintroducing HR 5410. As a practical matter, most customers drop the issue once they actually receive their funds, which have been held by the bank, because they wish to maintain a good standing relationship with the bank. So does that mean that nothing can be done? The answer is no. Something can be done, but it requires positive action by the customer.

First, the customer may file a complaint with the Federal Reserve at: The Board of Governors of the Federal Reserve System, Division of Consumer and Community Affairs at 20th and C Streets, N.W., Stop 801, Washington, DC 20551. Additionally, the consumer may file a complaint with the respective State Banking Commissioner in the state where the violation occurs. Also, contacting the proper parties within Congress, such as Congressman Michael Oxley (R-Ohio) or Congresswoman Carolyn Maloney (D-New York).

Finally, there is a civil remedy expressly set forth under Federal Reserve Regulation CC (12 CFR 229.21). The civil remedy allows for both individual and class actions. See Regulation 12 CFR 229.21 (a) (2) (i) and (ii). The statute provides a limitation on class actions that includes actual damages up to $500,000 or 1% of the net worth of the bank involved (the lesser of the two) plus costs and attorney fees.