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How to Green Your Holidays: Tips for Recycling, from Presents to Parties

by Alexandra Zega

RISMEDIA — Amid the holly and jolly, don't forget to be nice and not naughty when it comes to recycling during the holiday season.

Presents, decorations and party supplies can make for a not-so-Earth-friendly holiday season. But Ben Champion, Kansas State University director of sustainability, says it's possible to celebrate and still be mindful of the environment.

"If you're going to consume, then do so conscientiously," Champion said. "Know what you are buying."

Champion offers several tips for an eco-friendly, yet still merry, holiday season:

• While many companies are trying to go green by reducing packaging—a good thing to be sure—what a gift is made of matters just as much. Paying attention to recyclability, energy use and materials that didn't cause environmental damage in their production is important. Look for trusted environmental certifications, and be sure to check your local recycler to see what materials they do recycle.

• Paper products are the easiest to recycle, as long as they don't have chemical coatings. Glossy paper decorations and wrapping paper are often not easily recycled because their coloring and designs are made of complicated chemicals. Some decorations or wrapping papers do use soy inks or other natural dyes, making them more recyclable. Buy wrapping paper and packaging that can be recycled, and then make sure to recycle them when finished.

• Plain, corrugated cardboard is best for containing presents because it's also easy to recycle. Plastic materials—especially No. 1 and No. 2 plastics—are the easiest plastics to recycle.

• Some alternatives to presents include a gift certificate or a donation to an organization in the name of the receiver. "The best way to save waste is to not buy presents that make waste," Champion said. "You can always just buy something that is going to last a long time so that it won't have to be thrown away."

• Products such as fair-trade, organic or locally made products can make one-of-a kind presents that may not require as much packaging for shipping.

• If mailing presents, try using biodegradable packing peanuts or newspapers, instead of non-recyclable packing materials.

• Disposable plates, cups and utensils can easily accumulate at holiday parties. Instead of using foam or plastic dishware, try either reusable or biodegradable, disposable dishware and utensils. While biodegradable dishes can't be recycled when they have food particles or food stains, many biodegradable dishes can be composted along with a lot of food scraps. Exploring how to compost is another way to green your living.

• Buying local food products—although they can be more expensive—provides a more eco-friendly option because smaller local farms tend to offer more customized products and can be less chemical intensive. "If it's a special occasion, you may be willing to pay that extra amount," Champion said. "You'll have something that everyone can appreciate together. It's often better quality, and I like the taste of organic and heritage foods better."

• But perhaps most important is to focus more on the season and less on material goods. "I would recommend spending our time and money not necessarily on buying stuff, but on enjoying each other's company," Champion said.

11 Ways to Save on Airfare in Any Season

by Alexandra Zega

Yes, fares on many routes are much more expensive this holiday season than last, but airfares are not static and there are (relative) deals to be had any time of year. Here is Airfarewatchdog.com's best advice for making your airfare dollars go further, no matter what the time of year.

1. Sign up for the airlines' email feeds and frequent flyer programs
We know, you already get too much e-mail, but the airlines want to develop a one-on-one relationship with you, so they'll send you special deals, such as 50 percent off promo codes or two-fers, if you sign up. Airline sites sell much more than airfares these days (hotels, rental cars, credit cards and such), and they will entice you to deal direct rather than use a third party site such as Orbitz. If you're on Twitter, you might also want to follow the airlines' tweets, which they're using to promote exclusive Twitter-only deals.

2. Sign up for third-party fare alerts
Many airfare websites offer alerts, and they all have something to offer. Yapta.com lets you track your specific itinerary, down to the flight number and dates of travel, and will let you know if the airline owes you a price-drop refund. Travelocity's easy-to-use FareWatcherPlus lets you track up to ten routes and you can choose to be notified either when a fare goes down by $25 or more, or when it goes below a price you choose. Orbitz also offers alerts, as does Bing Travel, TripAdivsor.com/flights and FareCompare.com.

3. Search airline sites individually, but not exclusively
As noted above, many airlines have "private" sales, reserving their very best fares for their own sites. These are different from promo code fares. International airlines such as Aer Lingus, Iberia and Qantas regularly offer lower fares (i.e., $100-$400 less) on their own websites compared to what you'll find on Kayak or Orbitz. And yet, you shouldn't ignore online travel agencies such as Expedia and Travelocity, because these sites will tell you if it's cheaper flying out on one airline and back on another. In general, airline sites want you to fly only on their "metal."

4. Buy hotel plus air packages
It's often significantly cheaper to buy an air plus hotel package rather than airfare alone, especially for last minute travel. We often see Travelocity "TotalTrip" offerings, especially on last minute flights, pop up with hotel plus air for half the price of air alone. Lastminute.com is also a great source for finding last minute packages.

5. Use Priceline for last-minute trips
If you don't have a 7-, 14-, or 21-day advance purchase window to buy your fare, your best bet is the "name your own price" feature of Priceline.com. True, you won't know the exact flight times or airline you're flying until to pay for your trip, but you can save 50 percent or more. Hotwire.com can also be useful for last minute trips.

6. Use consolidators, but beware of the restrictions
Especially with the economic downturn, business and first class cabins will be emptier in 2010, and deals will be amazing. Consolidators specializing in premium cabins will have some great deals, and the airlines themselves will be heavily discounting their premium cabins, so check the specials on their websites. Sites like Vayama.com, airfare.com and Asia.com also sometimes sell consolidator fares.

7. Use a flexible date search
True, many people are not flexible in their travel dates, but would you fly in a different month or a day or two earlier or later to save hundreds of bucks? If so, learn how to do a flexible travel date search on airline and third-party sites.

8. Consider the extra fees before you buy
If Southwest has a fare of $198 round-trip and United has one for $148, and you are checking three bags, then Southwest actually has the lowest fare because Southwest charges nothing for the first two checked bags, whereas United would charge you an additional $165 each way for three.

9. Combine two separate fares rather than buying one fare
If you're flying to a destination in Europe, you might save money by purchasing one fare from the U.S. to, say, Dublin, and another from Dublin onward on Ryanair.com (just beware of Ryanair's rather onerous fees). Same holds true for some destinations in Asia (fly into Singapore and catch a low-cost carrier such as Airasia.com from there) and to some smaller Caribbean destinations via San Juan or the Bahamas. Even domestically, two fares are often less than one, such as the recent scenario where Dallas to Honolulu was selling for $350 round-trip with tax, but Houston/Honolulu was $800. As you're no doubt aware, you can fly Houston-Dallas for a lot less than $450!

10. Buy tickets on an airline that will refund the difference if a fare goes down
Let's say you've found the lowest fare, and then the day after purchase your non-refundable fare for the same itinerary goes down. If you ask for it you can get a refund for the difference. But some airlines will charge you a costly "administrative" fee of $150 or more, wiping out any savings. Others will give you the entire fare difference without extracting a fee. Currently, the "nice" airlines are JetBlue, Southwest and Alaska.

11. Check fares several times a day, and don't listen to airfare pundits who predict airfares
A lot of people like to pretend they're clairvoyant, and they know where airfares are headed. But airlines are unpredictable creatures, and any airfare expert who claims he or she knows that airfares will be lower or higher in the coming months or the coming day is suspect. No one can accurately predict where airfares are heading, any more than we can predict the stock market, because we have no idea when the economy will improve, or how much airlines will cut back capacity, or when the next flu epidemic will hit. If we could, we'd all be comfortably retired by now! Fares fluctuate throughout the day, and the number of seats offered at the lowest fares also changes frequently. So if you don't like the fare at 10 a.m., check at 2 p.m. or the next day and you may be surprised.

(c) 2010, Airfarewatchdog.com., George Hobica

Is Your Health on the Line?

by Alexandra Zega
Unless you've had your cell phone permanently glued to your ear, chances are you've heard the recent health buzz: Mobile devices may cause cancer. While it's true that the National Cancer Institute has ruled them safe, a growing number of independent researchers disagree.

Those experts point out that the FCC wireless regulations on cell phone safety are largely based on something called specific absorption rate (SAR) levels, or the rate at which our bodies absorb radiation. Most phones do comply with the federal standards, but SAR monitors only thermal effects. (In other words, if the radiation from your phone isn't cooking your brain, it's regarded as safe.) But mounting scientific evidence suggests that nonthermal radio frequency radiation (RF)—the invisible energy waves that connect cell phones to cell towers, and power numerous other everyday items—can damage our immune systems and alter our cellular makeup, even at intensities considered safe by the FCC.

"The problem is that RF can transfer energy waves into your body and disrupt its normal functioning," explains Cindy Sage, an environmental consultant in Santa Barbara, California, who has studied radiation for 28 years. "Here's why that's crucial: Overwhelming evidence shows that RF can cause DNA damage, and DNA damage is a necessary precursor to cancer."

The 2010 Interphone study, the largest to date on RF exposure from mobile phones, has spawned a quagmire of controversy, says health researcher and medical writer Kerry Crofton, Ph.D., who spent four years reviewing RF science for her book Wireless Radiation Rescue: Safeguarding Your Family from the Risks of Electro-Pollution. Many groups, including the National Cancer Institute and the telecom industry, read the results of that study as a green light for wireless calling. Others, like Crofton, point out that because it was largely based on lower cellphone usage in the '90s, the research has little bearing on today's world, in which 285 million Americans have mobile phones and 83 percent of 18- to 29-year-olds are "wired" all the time and sleep with their cell phones next to their heads.

One thing the Interphone study did find? People who chatted via cell for just 30 minutes a day for 10 years saw their risk of glioma (the type of brain tumor that killed Ted Kennedy) rise 40 percent. As a result, many European countries are considering banning cell phones for children under age 6 (RF penetrates little kids' brains more easily), and France has already banned all wireless technology in some schools and many public places, notes physician and epidemiologist Samuel Milham, M.D., a leader in the growing field of electromagnetic research.

All parties agree on this: More studies need to be done. In the meantime, it's best to take easy precautions—and not just with mobile phones. "Never before in human history have we gone from one radiated environment to another," says Crofton. "We're going to wireless offices and living in wireless homes. Even beaches and parks are going wireless. We're exposed everywhere."

The good news is that you don't need to ditch your gadgets. This advice will let you stay plugged in—and keep you healthy.

Cell Phones

When your phone is on (which it probably is even as you read this) it's constantly sending and receiving RF signals to and from the nearest cell tower to keep you in service. The farther you are from a tower, the harder your phone has to work and the more RF it emits, explains David Carpenter, M.D., director of the Institute for Health and Environment at the University at Albany. The activity really amps up when you're, say, driving through rural areas. Plus, within the close confines of a car, your entire core is exposed to the radiation.

The safer solution: Keep your phone off when driving until you really need it, says Carpenter. And no matter where you are, avoid holding a cell phone directly to your noggin (the Interphone study showed gliomas were more prevalent on the side of the head people continuously pressed phones to), always keep it at least six inches or more from your body (in your purse, not your pocket), and use either speakerphone or a corded headset (not a wireless headset). Or text up a storm. If you have a smartphone that's loaded with games, music, and movies, turn your wireless settings off while playing or rocking out. Similarly, don't ever use your cell phone as a bedside alarm clock without first disabling the wireless mode.

Cordless Phones

These stealth wireless threats "have become so powerful, they're often as strong as cell phones," says Sage. "The phone base is like a mini cell tower. It radiates 24-7 and can have a range of up to 300 feet." Particularly suspect are digital enhanced cordless telecommunication (DECT) phones. Preliminary blind studies have found that, when sitting beside a DECT phone base, some people experienced arrhythmia, a troubling heartbeat irregularity that could eventually lead to stroke or coronary disease, says Sage.

The safer solution: You might feel somewhat retro, but "just get a corded phone with an extra-long cord so you can still walk around," says Crofton. "They're better, they're cheaper, and they work in a power outage. Every time you replace a DECT with a corded phone, you're cutting the RF levels in your home significantly."

Wireless Routers

Your neighborhood coffee shop's wireless Internet access may often seem like a godsend, but the router that's needed to provide the service is continuously emitting high levels of RF (up to 200 feet out), and that constant exposure has been linked to deadly diseases. "If the whole body is radiated by a router's RF emissions, the greatest concern is cancer, especially leukemia," says Carpenter. Also, be aware of your at-home router and any plug-in wireless USB cards you often use.

The safer solution: Ditch your wireless router and plug your computer directly into a cable modem, says Sage. That Ethernet technology doesn't leak RF and is often faster and more secure. If you just can't give up your wireless router (e.g., if you live in a home with a handful of computer users), make sure you sit as far away from it as possible, says Crofton, and turn it off at night and whenever you're not online. Another easy fix: Plug your router into a surge protector with a timer, and set it to go off each night so you don't have to remember to flip the switch.

Laptops

"When you hold your laptop on your lap, what you're essentially doing is radiating your pelvis," says Carpenter, "so all the cancers that affect that area are of concern." Indeed, early studies point to a heightened risk of testicular cancer for men who keep RF-emitting devices close to their belts. For women, adds Carpenter, "the studies aren't quite there yet, but I think we can say that anything that might cause cancer almost always causes birth defects, so pregnant women—or those wanting to become pregnant soon—should take extra precautions."

The safer solution: Keep your laptop off your lap (if you have to rest it there, buffer it with a sturdy pillow that's at least six inches thick). Try to use a desktop computer at home and treat your laptop as an on-the-go convenience. One thing to keep in mind: Laptops are a high RF radiation risk only while connected to wireless Internet, so when you're watching a DVD, fiddling around with your photos, or writing that dissertation, just disable your connection and you'll be much safer.

Baby Monitors

"Baby monitors release more RF than cell phones do, and putting them next to a crib is very, very unwise," says Carpenter. He points to a recent University of Utah study that shows RF radiation can penetrate almost entirely through a child's brain, which doesn't form completely until nearly 20 years of age. "It's very clear from all the existing research that the younger the child is, the more vulnerable he or she is to the effects of RF radiation."

The safer solution: Consider not using a baby monitor. If you absolutely must use one, place it far from your baby's crib—at least 10 to 15 feet away.

6 Tips to Make a Case for Property Tax Cut

by Alexandra Zega

Plan Your Tax Attack

Good news for Americans facing eye-popping property taxes: You can fight city hall, or whichever government body sends you this annual economic albatross.

When real estate boomed, property taxes often followed suit. So why aren't they dropping now? First, local governments may go for years between re-assessments, so lower values may be overlooked. Also, a blanket reduction in assessments would mean less revenue for local governments at a time when most are strapped for cash.

The National Taxpayers Union estimated earlier this year that up to 60 percent of the country's real estate is assessed too high. Here's how to make sure you don't pay too much.

Know Where to Go

While getting your property taxes lowered is neither easy nor automatic, countless homeowners have swayed their assessor to lighten the load. However, success is up to you. Tax assessment varies across the country. So, start by learning exactly how your tax is totaled.

Next, it's critical to closely review your bill for any obvious mistakes. It should show your assessment and taxes from last year and this year. If you find an error or feel you're being overbilled, you have a couple of options. One is to go directly to the assessor's office; you can probably go without an appointment. If you're lucky, you may get a reduction right away. Or, you may be told you have to file a petition for a hearing before a magistrate. Before you go to a hearing, roll up your sleeves, do some research and perhaps even hire professional help.

Know Your Property Specs

One of the first things to do is to make sure the government has the right specifications for your property. These include confirming things such as the square footage under roof and the lot size. They're not always accurate, says Michael Mila, a Chicago-area real estate appraiser who owns Chicago Appraisals LLC and operates the website TaxAppealGuide.com. Often, the assessor may have simply looked at the outside of your house before rendering judgment.

"One of my clients had a one-story home with vaulted ceilings," Mila says. "They assumed the height reflected two stories, so they charged her for double the living space. She brought the sketch to the assessor's office and wound up saving $1,000."

You should have received a floor plan and boundary survey when you bought your house. Use them to determine your dimensions. A surveyor or engineer can help you here, but the cost will be $200 to $1,000, depending on the size of the property.

Locate the Problem

You've heard it before: The three most important factors in real estate are location, location, location. So one way to prove you're paying too much in taxes is to demonstrate what's wrong with yours. When factors outside the property's boundary bring down its value, this is called external obsolescence by tax assessors.

If you're so close to a runway that pilots wave to you, or your backyard has a crossing signal thanks to the train tracks on your lot line, make the case that you have external obsolescence.

But what if the rest of the neighborhood has the same issue -- say, a nearby town dump that doesn't pass the sniff test -- and roughly the same assessment? Make the case that your situation is worse. Maybe your house is next to the noisy public playground or adjacent to a parking lot for local school buses.

"You need to let the assessor know 'I'm not like the rest,' and 'My location is inferior to others around me,'" says Mila.

His suggestion: Pretend you're a buyer looking for an excuse to lowball a bid on your home.

Give Dysfunction a Function

Is your house haunted by a bad layout? Good news: That may mean lower property taxes.

Quirks inside the home are called "functional obsolescence," says Steven Housman, president of Property Tax Experts Inc., a property tax consultant firm in Hollywood, Fla. A simple definition of functional obsolescence is: homes with features that are neither practical nor desirable. For instance, do you have to walk through a closet to get to a bedroom? Does your four-bedroom house have a one-car garage?

Functional obsolescence will make your home less fun to live in and therefore, less valuable when it's time to sell. But the upshot is that these quirks may increase your odds when challenging your property assessment.

Keep Up With the Neighbors

Did you buy your home when prices were at record highs? Did you get re-assessed right before the property bubble burst? Then your taxes might also be inflated, particularly compared to your neighbors' rates. Research online what everyone on the block is paying, and see whether your bill is in line with the comparable properties, says Mila. Check for the taxes on similar houses that have recently sold.

If the compared tax prices are off kilter, print out your research and go to the assessor's office with the evidence. "If you're higher than the norm, something is wrong," says Mila. He says the No. 1 reason challenges get rejected is homeowners don't have their documents in order.

Hire an Appraiser

We all feel we should be paying less property tax, but obviously we have our own interest at stake. You need to demonstrate the objectivity of your opinion. And for that, it's best to hire an appraiser. An appraiser is different from a surveyor. The appraiser's role is to estimate the value of the property. Don't rely on free services from online companies that purport to give market values in your area. Assessors have been known to throw them in the trash. The assessed value should be roughly equal to the appraised value. A third-party opinion bolsters your credibility, says Housman.

Appraisers are state-certified and in most areas, they have professional associations you can contact for referrals. The cost is $300 and above. Some homeowners go an extra step and hire an attorney, but before doing so you should balance the legal fees you'll incur against any taxes you'll save.

 

(c) Bankrate Inc, Brett Graff


Top Tips to Winter-Proof Your Home

by Alexandra Zega

RISMEDIA - As winter sets in, there's nothing better than hibernating on the sofa with a good book or classic film. But having this spoiled by a home emergency can add a real chill to your winter warmth, especially if it's preventable.

We're all familiar with the issues winter forces upon us: the boiler breaking, pipes bursting or a break-in, which can make the harsh effects of winter far more severe.

Planning ahead now can help protect you against these potential problems. Here are some simple tips from John Lewis Insurance to prevent home emergencies from happening. Many of them are relatively quick and easy to do.

Quick fixes:
* Change the battery in your smoke detector or install them if you don't have any - it's a simple task that can save your life. And make sure you test them regularly.

* Inspect your roof for missing or cracked tiles. If repairs are needed, get them done as soon as you can.

* Vacuum the coils on the back of the fridge. This will help your fridge work more efficiently and will help you save money on your power bills.

* Turn your mattress regularly. We all spend more time in bed over winter - turning your mattress regularly will extend its life and ensure a more comfortable night's sleep.

* Get your boiler serviced. If you haven't had your boiler serviced this year, now is the ideal time to ensure it's in good working order.

More time needed:
* Oil your power tools and if you have a gas-powered lawn mower, drain the gas from it. They will survive the winter better and be in top shape for spring.

* Check all taps for leaks and locate the main pipe to the water mains. Pipes can burst if they freeze so if you leave home for more than a few days, ideally you should turn off the water and drain the pipes.

* Bleed your radiators by opening the valve until water appears - they will work more efficiently.

* The cold doesn't deter burglars so be sure to inspect your locks and any burglar alarms - and consider using lighting timers for that lived in appearance.

Worth the effort:
* It may take a day or two to sort out but cleaning your gutters properly will guarantee they won't get blocked or overflow.

* Trimming back trees is always recommended in the autumn.

* Clean out the garage before anything is stored that can get spoiled by the cold.

Finally, preparing an emergency kit is a great way to make those small and big emergencies as easy to handle as possible. This is what you should have at hand's reach:

* A small tool bag containing a torch, a roll of insulation tape, spare fuses, spare batteries and a screwdriver

* A radiator key

* A fire extinguisher if you have one, checked or recently replaced

* Important telephone numbers like the police, a trusted plumber, electrician, etc.

Best Fast Food Post-Workout Snacks Under 200 Calories

by Alexandra Zega

© Reader's Digest Magazine

Some protein bars can be more like candy bars, providing sugar and fillers rather than actual healthy nutrition. While a fast food restaurant may not be the best choice for a quick bite after your workout, these options are good. They provide protein, carbohydrates and, most of all, satisfaction for fewer calories than a Snickers bar.

Best in-hand option
No time to use utensils? A Starbucks latte gives you a dose of protein and carbohydrates to refuel.

Starbucks
Skim Latte (Grande)
130 calories
19 grams carbohydrates
13 grams of protein

Best breakfast option
If you work out in the morning, this wrap will get much-needed protein to your muscles.

Dunkin' Donuts
Egg White and Cheese Wake-Up Wrap
150 calories
13 grams carbohydrates
8 grams protein

Best open until 2 a.m. option
For the night owl, Taco Bell has a Fresco menu that offers a few low-cal options that pack a good amount of protein.

Taco Bell
Fresco Crunchy Taco
150 calories
13 carbohydrates
7 grams of protein

Best drive-thru hand held
Wipe the sweat from your brow and cool off with this chocolate boost of protein and moderate amount of carbs. Men's Health swears by the muscle building power of chocolate milk.

Burger King
1% Chocolate Low-Fat Milk
190 calories
31 grams carbohydrates
9 grams protein

Best high protein option
Even though this isn't under 200 calories it's very close. And it has a commendable amount of protein and slow-acting good carbs in the form of beans.

Wendy's
Small Chili
220 calories
22 grams carbohydrates
18 grams of protein
Best filling sandwich option for early risers
This sandwich will keep you filled up through to lunch. You can even add some veggie toppings for some more vitamins.

Subway
Black Forest Ham, Egg and Cheese English Muffin
180 calories
18 grams of carbohydrates
15 grams of protein

Best sides as a snack option, plus a high-protein treat
These side dishes are perfect post-workout snacks, combining good carbs and an excellent amount of protein with low-calories.

KFC
Red Beans With Sausage and Rice
160 calories
26 grams of carbohydrates
24 grams of protein

Macaroni and cheese
180 Calories
20 grams carbohydrates
6 grams protein

2 grilled chicken drumsticks
160 calories
0 carbohydrates
20 grams of protein

Best protein splurge option
Remember your childhood with these crispy little bites. While this a higher fat option, this little treat has a good amount of protein for satiety.

McDonald's
4 piece Chicken McNuggets
190 calories
11 grams carbohydrates
10 grams protein

Best sweet treat option
For when you need a sweet fix. Plus, who doesn't get great joy out of eating one of these!

Carvel
Low-Fat Vanilla Flying Saucer
190 calories
35 grams of carbohydrates
4 grams of protein

 

Preparing Your Home for the Cooler Months

by Alexandra Zega

This year has certainly flown by, and now, with the fall in full swing, it’s a great time to start prepping your home before winter strikes. From water leaks to the chimney, it’s better to be ready for the cold season…before it hits.

Here, State Farm offers up some fall maintenance tips for your home:

Check all window and door locks for proper operation
* Windows that can be opened by breaking the glass and unlocking them, are less effective deterrents to criminals. Check with the hardware store for window lock alternatives.
* All exterior doors should have deadbolt locks.

Make sure there are working nightlights at the top and bottom of all stairs
Other safety ideas for stairs:
* Tile and painted wood or concrete stairs can be slippery when wet or when a person's shoes are wet. Resurface the treads with slip-resistant strips near the stair nosing.
* All stairs of at least three risers should have a handrail.
* Do not store items on the stairs.

Have a heating professional check your heating system every year
Woodburning stove connector pipes and chimneys should be inspected by a certified chimney sweep at least annually.

Replace your furnace filter
Furnace filters need to be replaced frequently to allow your heating and cooling systems to operate properly.

Run all gas-powered lawn equipment until the fuel tank is empty
By doing this, you are removing flammable liquid storage from your garage. At the same time, make sure you aren't storing dirty, oily rags in a pile. They can ignite spontaneously.

Have a certified chimney sweep inspect and clean the flues and check your fireplace damper
Soot and creosote, which build up inside the chimney, can ignite when a fire is lit in the fireplace.

Remove bird nests from chimney flues and outdoor electrical fixtures
Bird nests on top of light fixtures are a fire hazard. Bird nests in chimney flues can prevent a proper venting of combustion gases and can catch fire from sparks. You should exercise great caution when working on your roof or consider hiring a qualified professional to take care of any work that needs to be done.

Make sure the caulking around doors and windows is adequate to reduce heat/cooling loss
Check glazing for loose or missing putty or glazing compound. This will also help reduce water damage to the windows and door frames.

Make sure that the caulking around your bathroom fixtures is adequate to prevent water from seeping into the sub-flooring

Check for cracked or missing caulk around the base of your toilet, bath tub, and bathroom cabinets. Properly sealing gaps between your bathroom fixtures and flooring material can prevent damage.

(c) RISMEDIA, Stephanie Andre

10 Things We Overpay For

by Alexandra Zega

You can save a lot by buying cheaper alternatives.

Especially in these tough economic times, you don't want to tear through your hard-earned cash. Here are 10 ideas to cut costs by paying less for everyday purchases and even little splurges:

1. Gift Cards

For the person who has everything (or whose tastes you simply cannot fathom), gift cards are a safe bet. You can find cards on discount at www.giftcardgranny.com.

The site pulls prices from six gift-card discounters, which buy unwanted cards from other people that they then resell for less than face value. Discounts can be as much as 50%, although most are in the 15%-to-20% range. And the rules for gift cards just became more consumer-friendly.

2. Closing Costs

If you're buying a house or refinancing a mortgage, you can save by negotiating down the lender's origination fee and other closing costs. Lenders will be willing to strike a bargain for your business if you have great credit and adequate equity. And if you're prepared to walk away unless they offer you a great deal, you'll have even more leverage in negotiations.

Also try hitting up the seller to pay some or all of the closing costs -- which average about 3% of the purchase price, and go as high as 6% in higher-tax areas. Freddie Mac and Fannie Mae allow sellers to pick up closing costs worth 6% of the purchase price for loans with 10% or more down; the Federal Housing Administration allows up to 6% (but is considering lowering the limit to 3%); and the Department of Veterans Affairs allows 4%. You even get a tax break for mortgage points the seller pays (each point is 1% of the loan amount).

3. Checking Accounts

Banks everywhere are eliminating free checking accounts, but with a little creativity you can still avoid paying that extra $8 to $15 a month. If you arrange for direct deposit or maintain a minimum balance, or bank online and skip the paper statement each month, your bank is likely to waive the fee.

About 750 community banks and credit unions offer free checking accounts with no minimum-balance requirement. They'll also pay as much as 3.5% interest if you use your debit card ten to 15 times a month, arrange for one automatic payment or direct deposit each month, and receive your statement electronically. A partial list is available at www.checkingfinder.com.

4. Groceries

For many families, a bulging budget is the result of excess spending at the supermarket. Ditch the gourmet grocers and shop at Trader Joe's or warehouse stores.

While you're at it, use coupons, which you can find online (at CouponMom.com, Coupons.com and CouponCabin.com). Or, for $5.95 a month, you can get customized coupons from Shopping Nanny. Shopping Nanny recently guaranteed that if you spend more than $90 a week at the grocery store, you'll save $40 a month using its service -- or your next month's membership is free.

5. Connectivity

Bundling your cable-TV, phone and Internet service can save you -- dare we say it -- a bundle. For example, you pay just $85 a month for 12 months if you sign up online with Verizon for unlimited local and long-distance calling, high-speed Internet service and DirecTV with DVR service. That saves $50 a month compared with buying the same services separately.

6. Long-Distance Calls

E-mail and Facebook are great ways to stay in touch with friends and family, but sometimes you simply need to hear a familiar voice. With Skype and Google Talk (you'll need a Gmail account), you can "call" anyone in the U.S. for free via your computer as long as they have the same software in their computer. If the computers have a built-in camera (webcams cost as little as $30), you get video as well as audio. Logitech webcam owners can also use the free Logitech Vid service for video calls.

7. Cell-Phone Plans

Wireless carriers keep you tethered to them with two-year contracts and tempt you to renew with snazzy new phones or monthly discounts. But you can slash your costs with a prepaid plan, especially if you're paying extra for text messaging and data plans.

All of the major carriers plus a number of smaller firms offer prepaid plans. Compare them at www.prepaidreviews.com/compare, then check the carrier's website for more details. Before you compare plans, decide what is most important to you. For example, some providers offer free talk on nights and weekends, no activation or roaming fees, or free 411 calls.

8. Greeting Cards

We've been listening to that Hallmark slogan "when you care enough to send the very best" too long. You don't have to spend $3 to $5 for a greeting card. You can find hundreds of free cards online that you can send via e-mail. And handmade cards from your children wishing friends or family members Happy Birthday or Happy Anniversary or inviting them to a party will mean more than a store-bought card. (If you're hosting an event, don't forget about Evite.)

9. Water

A low-flow shower head is easy to install -- just screw off the old shower head and twist on the new. Because it restricts the water output to no more than 2.5 gallons per minute (older shower heads send as many as 5.5 gallons per minute down the drain), you can save 25% to 60% of the water and 50% of the energy it takes to shower and shampoo you and your family. The shower heads generally run $10 to $20 a pop (some utility companies give them away) and screw into existing fittings. The new fixtures -- labeled WaterSense -- go as low as 1.5 gpm, saving 7,300 gallons and $30 to $100 a year over their 2.5-gpm counterparts.

For gardens, consider installing a drip irrigation system, which maintains moisture in the soil. Drip irrigation can reduce water loss by 50% to 60% compared with hand-watering or sprinkler systems. A drip system consists of a tube or hose with holes or emitters along it. It uses a timer to deliver water to plants. By maintaining the moisture level of the soil, less water is lost to the sun and the wind.

10. Jeans

Suppose you try on a pair of True Religion jeans that look great and fit you perfectly. But they cost $200. Go home and log on to a discounter site, such as UpscaleJeans.com or Bluefly.com and save as much as 50%. Or check out a consignment store near you for a gently worn pair.

 

(c) Joan Goldwasser, Kiplinger'sPersonalFinance

 

10 Ways to Make a Small Room Look Larger

by Alexandra Zega

RISMEDIA, Most people have one: that room in the house that they wish was just a little larger. What many don't realize is that with a little work and some TLC, they could have exactly what they're looking for.

Here, Lowe's offers 10 designer tricks to help you make any room look larger:

1. For the illusion of a larger room, use a color scheme that is light rather than bright or dark. Pastels, neutrals and white are all color possibilities.

2. Use a monochromatic color scheme on the furniture, rugs and walls. Select different shades and textures of your single color.

3. Lighting is a key element in opening up a space. Recessed spot lighting is visually appealing and is perfect for a small space. A torchiere light is great for bouncing light off of the ceiling and back down on the room.Skylights and solar tubes are natural alternatives for adding light to a room.

4. Limit the number of accessories to avoid the cluttered feeling.

5. The floor and the ceiling are the fifth and sixth walls of every room. A light-colored flooring such as light oak or a light-colored carpet will make the room appear brighter and more open. The same applies to the ceiling—use a light color or white to "open up" the space above.

6. Increase the appearance of the size of the room by adding wall mirrors. They not only reflect images, they reflect light and color. Be a little daring! Use mirror tiles to mirror an entire wall. Your room will appear to double in size.

7. Don't place too many pieces of furniture in a small space. A love seat may work better than a full-size sofa depending on the size and shape of the room. Add two medium-sized chairs or two small wood chairs. Place the chairs closer to the wall and then pull them into the area when additional seating is needed.

8. Add paintings or prints to the walls. One large painting works better than a group of small paintings.

9. The visual balance of a room is also important. A large, brightly colored element can overwhelm a room and decrease the appearance of space.

10. A glass table, whether it is a dining, coffee or end table, will keep the appearance of an open and free space.

Prepare Your Home for Winter with These Simple Tips

by Alexandra Zega

Now that summer is a distant memory, and the fall temperatures are continuing to get cooler, homeowners across the country are thinking ahead and preparing their homes for the Winter weather that will be here before we know it.

True Value offers the following steps homeowners can take now to ensure their family’s comfort as the cold weather approaches in addition to keeping their heating bills from going through the roof.

Check for and seal foundation cracks
Look for any cracks or openings in your foundation, exterior walls and around pipes, and be sure to seal them with exterior caulk or foam insulation. Clear away leaves and other debris from the foundation to make sure you haven’t overlooked any cracks. Check the roof for problems such as broken tiles and shingles that could become a larger issue when snow comes. Clean out gutters and downspouts and make sure they’re working properly.

Inspect the chimney and fireplace
For safety reasons, you should examine your chimney each fall. Make sure it is clear of any bird or animal nests. Check to see that the flue opens and closes fully and that it can be locked in either position. You should also check to see if the chimney drafts properly by lighting a small fire and watching the smoke rise up and out. If you find that there is an obstruction, clean your chimney using special rods and brushes designed for this purpose. If your fireplace leaks air, you can cut a piece of fiberglass insulation and place it behind the fireplace doors. Just remember to remove it before building a fire. Additionally, check the brick in the fireplace for any open mortar joints. Have any open joints repaired immediately as fire can spread through open joints into the wall.

Install storm windows
Windows are a common culprit of wintertime heat loss. If you have single-pane windows, remove screens and install double- or triple-pane storm windows before winter comes. Be sure to pull down both the top and bottom storm windows to help prevent heat loss.

Check the furnace
Check the condition of your furnace in late fall. Turn off the electricity and gas, and then use a wet/dry vacuum to clean the entire burner area. Clean the thermocouple with a cloth and use a precision duster with compressed air to clean the pilot light. Replace any disposable air filters and clean washable ones with mild detergent and water. Clean fan blades with a brush and lubricate the fan shaft. If the motor has oiling ports, apply a few drops of heavy-duty electric motor oil. Be sure not to over-oil your furnace and never use automotive motor oil or 3-in-1 household oil.

Winterize your water heater
Because water heaters can be inefficient, it is important to insulate your hot water tank with a water heater blanket. Also, check the water temperature of your water heater. A good energy-efficient temperature is around 120 degrees. It's never a good idea to turn off your water heater completely if you will be away from home for an extended period of time. Instead, turn the water heater's thermostat to the "vacation" setting or a similar low setting. The pilot light will remain lit, maintaining a slightly warm water temperature within the unit until you return.

Insulate exposed piping
Using a pipe insulation kit to add insulation around accessible water pipes will save you energy, lower your heating bills and prevent pipes from freezing during the winter months. Look for water pipes that pass through spaces where cold drafts are likely, such as crawl spaces, garages and attics. Check the pipe leading directly from the hot water heater and don't ignore hot water lines. Though slower to freeze, they are more likely to burst than cold-water lines. Make sure the pipe insulation kit you choose includes adhesive tape or contact cement for sealing. The most common pipe insulation is a tubular foam sleeve slit lengthwise. Tubes without slits are designed for installation over new piping, but they can easily be slit with a sharp utility knife. Open the pipe insulation along the slit, press it onto the pipe, and seal it with adhesive tape or contact cement to prevent summertime condensation.

Additional ways to warm your home
There are more easy ways to make and keep your home warm in the winter. By simply reversing the spin of your ceiling fans and setting them on low speed, you'll send warm air down into your living space. In winter, your fans should spin in a counter-clockwise direction. Most fans have a small switch to set the spin direction. If yours doesn't, you may want to upgrade to a new energy-efficient ceiling fan. Using your ceiling fans to circulate warm air in the winter saves money and keeps your furnace from having to work as hard.

Keeping blinds and curtains open on sunny days will naturally warm up any room. Closing them at night will help keep the heat in and the chill out. Save costs and concentrate warmth in your home by only heating rooms you use. If your heating system has vents, close the ones in unused areas of your home. Use a humidifier—just adding moisture to the air will make your home feel warmer. And as an added bonus, humidifiers also cut down on carpet shocks from dry static electricity.

(c) RISMEDIA, Paige Tepping



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