Showing posts with label St Peters. Show all posts
Showing posts with label St Peters. Show all posts

Friday, May 29, 2009

10 weekend projects to make yours a smarter home

For the most part, having a smart home is simply a matter of energy efficiency. These projects, plus 14 quick tips, will help you save both energy and money.

By Popular Mechanics

Kitchen

1. Find sustainable finishes.
Kitchen upgrades offer a chance to choose products made from recycled or renewable materials. Consider a stone countertop made with recycled glass, a sustainable cork or natural linoleum floor, or cabinetry made from formaldehyde-free plywood.

Slide show: 10 Earth-friendly kitchen counters

2. Go chemical-free.
Caustic chemicals will partially dissolve a clog, but they contaminate water supplies and the fix won’t last. Instead, turn to the sink plunger — its flat bottom sits flush with the sink, unlike a bell-shaped toilet plunger. Before snaking a drain or removing the sink’s trap, try using needle-nose pliers or creatively bent coat hangers.

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Living room

3. Build better fires.
To boost efficiency in the fireplace, begin by replacing the leak-prone midchimney “throat” damper with a “top-sealing” or “chimney cap” damper. This opens, shuts and seals like a storm door for the chimney. Then add a fireback — a handsome iron plate that protects firebox brick and radiates heat into the room. A fireplace heater will distribute the fire’s warmth by circulating air into the fireplace. A heat exchanger warms the air and fans blow it (smoke-free) back into the room, increasing the fireplace’s efficiency from 5% to 65%. If you don’t use your fireplace at all, contact the National Chimney Sweep Guild to find a certified contractor to seal your flue, which will prevent heat loss through the chimney.

4. Upgrade the thermostat.
Nearly half of the average home’s $2,000 annual energy bill goes toward heating and cooling, but a programmable thermostat can reduce that figure by about $180. Instead of a seven-day model, opt for a five-plus-two-day one — this will allow you to program the temperature for different weekday and weekend schedules, maximizing comfort and efficiency.

Basement

5. Insulate the edges.
Sealing a basement’s perimeter walls with a vapor barrier and insulation helps heating and cooling systems work less hard to maintain indoor temperature and humidity. Insulate the ceiling’s joist bays against the foundation walls with expandable foam for an airtight seal. Then spray foam to plug up gaps where pipes and vents exit the house.

6. Heat water wisely.
Use foam jackets to insulate exposed hot-water pipes within 5 to 10 feet of the heater. Gas users can upgrade to fuel-saving tankless heaters; electric users should add timers so water stays hot only when it’s needed.

Attic

7. Ventilate the space.
Install inconspicuous ridge vents that run the length of the attic’s peak. These work with soffit vents to cool the attic in summer; in winter, an exit route for warm air reduces the risk of leak-causing ice dams.

8. Cut air conditioning consumption.
Whole-house fans pull in outside air through the downstairs windows and push out hot air through the attic vents, cooling your house at a fraction of the cost of central air conditioning. Effective except on the most stifling summer days, the typical whole-house fan consumes less than 600 watts, but a 5-ton central air unit can draw more than 6,000. Solar-powered attic fans are very efficient, too, but ventilate only the attic space, not the living area.

Yard

9. Make decks last decades.
Composite decking built with recycled plastic uses waste headed for a landfill. Redwood, cedar and ipê (pronounced ee-pay) naturally resist rot and can last much longer than pressure-treated wood. But buy only lumber certified “Pure” by the Forest Stewardship Council — there are no bad species, just bad forestry.

10. Add an awning.
Decks reflect the sun’s rays into your house, but adding shade above nearby windows and glass doors can reduce heat intake by up to 77%. In the summer, a retractable awning cuts an adjacent room’s air conditioning use by nearly 25%. It rolls out of the way in the winter to allow warm sunlight in.

14 steps to take today

Stroll through your home with Popular Mechanics’ list of low-cost (or free!) upgrades, making quick fixes as you go.

  1. Turn down the water heater: Lower the temperature to 120 F, and for every 10-degree drop, you recoup 3% to 5% of the power bill. No temperature dial on the tank? Check the temperature at the tap farthest from the heater.
  2. Unplug appliances: Turn off power strips or pull the plug on appliances completely. Idle machines suck up 11% of your home’s electricity.
  3. Clean your dryer: Slip a shop-vacuum hose into the dryer’s guts to remove lint wads and boost efficiency. Use an electric leaf blower to clear lint from vents that lead to the outside. It’ll work like new.
  4. Optimize heating and cooling: Move furniture and rugs away from vents and radiators. Run a fan with the cooling system raised 2 degrees to drop cooling costs by 14%.
  5. Drip-irrigate beds: Line gardens with hoses — no sprinklers, no hassle. Use mulch to retain moisture, and set timers to water in the morning.
  6. Adjust mower blades: Cut no more than one-third the grass blades’ height — this helps your lawn develop strong roots, remain moist and absorb runoff.
  7. Trust the dishwasher: Fully loaded, the dishwasher uses less water than hand-washing dishes. Save power by using the air-dry mode, not heat.
  8. Insulate the attic hatch: Keep the conditioned air downstairs by weatherstripping the attic hatch’s edges. Cover the hatch with rigid polystyrene insulation.
  9. Use small appliances: Downsize your cooking device: Toaster ovens consume half the energy of a full-size electric oven; microwaves use only one-third.
  10. Install storm windows: Storm windows reduce heat loss through windows by 25% to 50%. Magnetic internal storm windows go up without a ladder.
  11. Streamline the fridge: Fridges work best at about 38 F; freezers should register between 0 F and 5 F. Leave a thermometer inside for 24 hours, then check it.
  12. Keep filters clean: Pleated electrostatic filters catch up to 60% of allergens (blue fiberglass ones catch only lint and dust). Change them every two to three months or as soon as they show discoloration.
  13. Draw the curtains: Cover windows to prevent air loss. Curtains engineered for insulation multiply the R-value (a measure of thermal resistance) of standard insulated glass.
  14. Fix a leaky toilet: Drop food coloring in the tank; if it ends up in the bowl, there’s a leak. Replacing the flapper can save thousands of gallons of water a year.

This article was written by Elizabeth Svoboda for Popular Mechanics.

Tuesday, May 26, 2009

Don't Sit on the Fence, Now is the time to Buy

With the Spring and Summer season upon us, there couldn't be a better time to buy! Inventory is still high in most markets, giving the home buyer many choices. The first time home buyer $8,000 tax credit is available to buyers who have not owned a home in the last three years. You can amend your tax return and get a check this year if you make a purchase now. FHA is in the process of possibly allowing the tax credit to used as a down payment, I'll post more on that as the news breaks.

Here in St Charles County, MO we are starting to experience a definite increase in showings and closed sales. I'm confident that with the sunny weather we also have a sunny real estate forcast. According to Lawrence Yun, Chief Economist, NAR Research, in a recent market update, "Housing affordability is one of the best headlines I can give you. The first quarter housing affordability index figure of 172 is the highest ever recorded since NAR began tracking the measure. The higher the figure, the more people have the financial capacity to enter the market. A median-income family, earning $61,100, could afford a home costing $291,600 in March with a 20 percent down payment, assuming 25 percent of gross income is devoted to mortgage principal and interest." If you've been on the fence about buying now is not the time to hesitate! As interest rates begin to increase, even a .5% hike could cost you $30,000 in interest over the length of your loan (based on $150,000 purchase price). You'll never find conditions more favorable- BUY NOW!

Thursday, May 14, 2009

Spring Cleaning & Repairs Money-Saving Tips from the Pros

Fresh rains in the early spring are symbolic of the season itself, offering a revitalizing cleansing of the outdoors. The warming weather also offers a reminder to homeowners that now is the ideal time to do a bit of spring cleaning.
After all, a bit of due diligence by homeowners not only freshens their living quarters, it also helps them save money and avoid more costly repairs down the road.
"Making a list of items to check around the home this season – and then actually following through with the tasks – can help reduce home maintenance and utility costs," says Angie Hicks, founder of Angie's List, the nation's leading provider of consumer ratings on local service providers.
It's important that homeowners schedule needed services as quickly as possible to avoid a backlog of busy service providers.
Angie's List went to its highly rated service providers to come up with a list sure to help those homeowners who don't know what to check and when, as well as those devoted annually to giving their homes a good once-over.
General Spring Cleaning
Experts recommend a professional carpet cleaning every 12 to 18 months – but this can vary depending on how many people live in your home, and if you have children or pets. A dirty carpet contains soil and other debris that will wear your carpet's fibers. Schedule an appointment with carpet cleaners now to cut down on your wait time.
Check your gutters. Professionals recommend gutter cleaning in the spring and the fall. Clogged gutters can lead to water damage in your home.
Use a garden hose on your siding and deck to remove the film left by dirty snow and rain. Attach a soft-bristled, long-handled car brush to the hose for some extra help. Use a mild cleanser to get those tough-to-clean spots.
Remove wet leaves and debris from your deck, front porch and around your house. Allowing the debris to accumulate can trap water, lead to staining or mold build-up, as well as create an ideal environment for termites.
Home Maintenance
Snow, ice and wind can wreak havoc on your home, so be sure to go over the structures in early spring. Finding damage early will increase your chances of getting an early repair, as many home improvement companies begin their busy season this time of year.
Scrutinize your crawl space for water accumulation or excessive moisture, and keep an eye out for water damage on the sub-floor and joists beneath the kitchen, bathroom and laundry areas.
Give your roof a "once-over" for damage inflicted during the winter. Depending on the style and pitch of your roof, you may want to use a ladder and a pair of binoculars to look for missing or broken shingles and other damage. If you don't feel comfortable on a ladder, call a professional before the busy season begins.
Check the weather stripping around doors and windows. The winter season may have caused some damage. Also, remove any storm windows and replace with screens.
Check the valve where water enters your house, outdoor faucets and valves to toilets, bathroom and kitchen sinks. Turn each off and on several times to identify any leaks.
Outdoor Maintenance
Talk with your landscaper or local garden center about the best way to enrich your soil for the types of plants in your yard. Proper fertilization can keep your soil and your plants in great shape throughout the year.
Bring in your mower for service in early spring. This will help avoid breakdowns and extend the life cycle. It also helps you beat the rush so your mower is in tip-top shape when you need it. Warning signs that your mower needs maintenance can include difficulty in starting, a smoking engine, and reduced horsepower. A service appointment should include a check of the oil, blade, spark plugs, filter, battery and belts. Always ask for an estimate and guarantee on the work. Be sure to sharpen the blade at least once a year. Cutting grass with a sharpened blade is important for lawn health, promoting better grass health.
If you've postponed tool care, now is a good time to get in the garage and take a closer look at your garden equipment. Garden service companies will get busy in the next couple of months, so make an appointment now to have those tools cleaned and sharpened.
Spring is a good time to examine your asphalt driveway's surface for damage. Water that seeps into your driveway can freeze, causing cracks and other damage. Regular resealing is the best way to protect the surface and keep it in good shape. If you're planning to hire a professional to seal the driveway, summer is peak time of year, so call now to get on their schedule.
Appliance Maintenance
Regular maintenance on major home appliances can help to ensure their efficiency and lifespan.
Get your air conditioner serviced. Technicians can test your air conditioner as long as the temperature is above 60 degrees. Call now to get on their schedule before the first warm days of spring.
Clean and lubricate hinges, rollers and tracks on garage doors with a greaseless lubricant. Avoid using petroleum-based lubricants. Lack of lubrication puts additional strain on the garage door. Don't attempt to service the opener mechanism yourself. Your garage door opener can be one of the most dangerous appliances around your house. Contact a professional for assistance.
Get your water heater serviced. Maintained properly, water heaters will last for years and deliver gallon after gallon of hot water. Left alone, they'll quickly lose efficiency, sucking dollars out of your wallet with every degree of heat.
Spring rains can be heavy, so if you have a sump pump be sure it works properly. To test, fill the sump pit with water and go outside to make sure the pump is actually discharging water. You can also eliminate any build-up in the system by pouring white vinegar through the unit.
Angie Hicks is the founder of Angie's List, a website where thousands of consumers share their ratings and reviews on local contractors and companies in more than 425 different categories. Currently, more than 750,000 consumers across the U.S. rely on Angie's List to help them find the right contractor or company for the job they need done. Members have unlimited access to the list via Internet or phone; receive the award-winning Angie's List magazine, which includes articles on home improvement and maintenance, consumer trends and scam alerts; and they can utilize the Angie's List complaint resolution service.

Finish Strong!!!

Finish StrongHow Do You Respond to Challenge?

Irving Berlin once said, "Life is 10 percent what you make it and 90 percent how you take it." So, how do you take it? Before you answer the question, we urge you to use the next few moments to watch Finish Strong, an inspirational video with a meaningful message.
Any challenges you face in life will always elicit a response on your part. As Dan Green points out in the book that inspired this month's Simple Truths video, how you respond is completely your choice. His message - ALWAYS choose to finish strong.
Through telling us stories about real people who've overcome some incredible challenges, Green is able to point out a very simple fact. No matter how difficult your life may seem, there is someone who has overcome a greater challenge. The point here is not to draw comfort from their situation, but to find inspiration in how they dealt with it.
When it feels like the game is over, or an opportunity has passed you by, you must remember that the story isn't complete until you respond to the challenge at hand. According to the Greek philosopher, Epictetus, "It's not what happens to you, but how you react that matters."
So, how will you choose to respond to life's challenges? Think carefully because the choice is only yours.
Good luck and remember, always choose to finish strong.
YOU Magazine is pleased to present Finish Strong, a short film produced by Simple Truths, a consumer-direct publisher of motivational books and films. Visit www.simpletruths.com to learn more about this unique company.

Wednesday, May 13, 2009

$8,000 Tax Credit can be used for a Down Payment!

Real Estate News May 12, 2009 ShareTax Credit Can Be Used for Down Payment Shaun Donovan, secretary of the U.S. Department of Housing and Urban Development, on Tuesday said that the Federal Housing Administration is going to permit its lenders to allow home buyers to use the $8,000 tax credit as a down payment.Previously, most buyers wouldn't receive the funds until after they filed their tax return, and that deterred some people from using the credit. The NATIONAL ASSOCIATION OF REALTORS® has been calling for the change. “We all want to enable FHA consumers to access the home buyer tax credit funds when they close on their home loans so that the cash can be used as a down payment,” Donovan says. His remarks came in an address to several thousand REALTORS® gathered Tuesday morning at "The Real Estate Summit: Advancing the U.S. Economy," at the 2009 REALTORS® Midyear Legislative Meetings & Trade Expo in Washington, D.C..He says FHA’s approved lenders will be permitted to “monetize” the tax credit through short-term bridge loans. This will allow eligible home buyers to access the funds immediately at the closing table.Other Solutions for Today's MarketDuring his address at the summit, Donovan went on to say that the Obama administration plans to further stabilize the housing market. “I do think we have some early signs that the market overall is stabilizing,” Donovan says. “Since January we’ve seen both home sales moving up and down around a relatively stable number and we are seeing the first signs that the rapid decline in home prices is starting to abate.”The morning session included a panel discussion that was moderated by CNBC’s Ron Insana. Panelists examined cutting-edge solutions necessary to promote and preserve homeownership and real estate development, stimulate the economy, and protect the nation’s taxpayers. They also shared their ideas on what the role and responsibility of the federal government is in the revitalization effort. “Right now the Federal Reserve is the market,” said panelist Jay Brinkman, chief economist for the Mortgage Bankers Association. “What will be the effect when the Fed stops buying?” Brinkman explained that an exit strategy must be planned for the long-term; the federal government cannot continue to support the mortgage markets indefinitely.“We are thrilled that so many high-caliber individuals were able to join us today at this important meeting to promote stability in the housing market and the U.S. economy,” said NAR President Charles McMillan. “We look forward to an ongoing dialogue and action toward this goal, during our midyear meetings this week and beyond.”

Wednesday, March 18, 2009

Social Media Meeting




When and Where:
Thursday, April 9
Time11:00 p.m.
The Columns Banquet Center
711 Veterans Memorial Pkwy
St. Charles, MO 63303
(636) 947-4729
$15 for members$17 for guests

No matter your field, today's Public Relations and Marketing has seen a drastic change. No longer can we rely on mass media in the form of Newspapers and even traditional Television to send our messages. Strategic communicator and Public Relations Society member Melissa Wilson will expose you to upcoming trends and emerging technologies and better position yourself in today's evolving marketplace. Join us to:
  • Identify Top Social Networking Sites
  • Share local demographics and usage
  • Create a plan to move yourself to the desired locations

About Melissa Wilson
Melissa Wilson, owner of Wilson Monnig Creative, provides strategic communication counsel, implementation, and reporting. Since beginning the company, Melissa has worked closely with international and local clients to spend effectively, and focus on reaching their target markets. Prior to founding her consultancy in 2007, Melissa held communications positions for a national funeral home business and international non-profit organization. Melissa is a Public Relations and Advertising graduate of Stephens College and continued her education earning a Master of Arts at Lindenwood University in the study of Communications. She is active in PRSA, selected as a judge for The Stevies Award for Women in Business, and recipient of design awards including the Davies, The Communicator, and Hermes.

About Wilson Monnig Creative
Wilson Monnig Creative, located in St. Peters - St. Charles, Missouri, is an innovative marketing, public relations, advertising, web and print design company. Award-winning talent provides cutting edge services in traditional and new media. Our client's come from a broad spectrum of industries including real estate, agriculture, automotive, folk artists, personal fitness, and entrepreneurial start-ups.www.WilsonMonnig.com