Gunning Daily News

Word of the Day

March 19, 2013 6:18 pm

Point. Fee charged by a lender to get additional revenue over the interest rate. A point is equal to one percent of the loan amount.

Q: Should the Architect and Contractor I Work with Have a “Vested” Interest in One Another?

March 19, 2013 6:18 pm

A: It does not hurt to have a situation where the architect and contractor already have an existing working relationship. In fact, such an association could benefit a project by ensuring the smooth integration between the design and implementation. In a residential project, there is sometimes a triangle of tension between the architect, the contractor and the homeowner in terms of finger pointing and assigning blame. There is greater coordination of efforts, and generally less stress, with a design/build firm where the architects and contractors are accustomed to working together and are knowledgeable about construction costs and can fit design plans and specifications to your budget.

Heating with Gas? Mind These Late-Winter Safety Tips

March 19, 2013 5:18 pm

In the last segment, we looked at tips for those heating with oil. So in consideration of equal time, now we'll focus on the growing number of gas heating consumers across the nation.

According to New England based YankeeGas utility, snow and ice can easily damage natural gas meters or appliance vents, causing them to malfunction. The company suggests these simple tips to learn how to stay safe until warm weather arrives:

1. Keep outdoor appliance vents clear of snow and ice.

  • All outdoor appliance vents should be cleared of snow and ice.
  • A clogged vent may cause your appliance to shut down or malfunction and create a hazardous situation, such as a buildup of carbon monoxide.

2. Keep natural gas meters clear of snow and ice.

  • Gently brush away any snow or ice that has accumulated around the meter, regulator vent and any other outdoor piping, using a hand or broom, not a shovel.
  • When plowing, snow blowing or shoveling, do not push or pile snow around your meter or outside vents.
  • Clear a path to your meter so gas company employees and emergency responders can access it in an emergency.

3. Watch for falling snow or ice near your natural gas meter.

  • Falling snow and ice can cause serious damage to your natural gas meter or regulator, which may cause a gas leak.
  • Be aware of the locations of utility meters when removing snow and ice from your roof or contact a qualified roofing contractor to perform this work for you.
  • And most importantly, anytime you smell a natural gas odor, leave the area immediately and call 911 your local gas company's emergency response number.

Easy Fixes for 7 Common Household Glitches

March 19, 2013 5:18 pm

Little household annoyances, like a window that sticks, can ruin your sense of peace and quiet. From California handyman Jim Peterson come these seven easy fixes for banishing some minor but common problems around the house:

Stained tub - Combine equal amounts of cream of tartar and baking soda with enough lemon juice to make a paste. Rub the mixture into the stain with your fingers or a soft cloth. Let sit for a half hour, then rinse well with water.

Stuck sliding windows – A little silicone spray lubricant (sold at hardware stores) will grease the skids. Spray it onto a rag, then wipe along the tracks, whether they’re metal, wood, or plastic.

Furniture imprints in the carpet - Remove ‘carpet craters’ left behind by heavy furniture by placing an ice cube on top of the imprint and letting it set for a while. As the ice melts, the moistened carpet strands float back to their original stand-up positions.

Drafty doors and windows – Install weather stripping around the edges of the door and window frames to stop drafts from coming in and improve energy efficiency by keeping the warm air inside.

Remove kitchen odors – If the odor of last night’s dinner is lingering in your kitchen, boil a pot of water with lemons, apples and/or a stick or two of cinnamon. As steam forms from the boiling water, the good smells travel upward and throughout your home.

Stubborn lock and key – If your key sticks in the front door lock, solve the problem by rubbing the key with dry soap or graphite.

Dusty artificial trees or flower arrangements – Get them looking new again by blowing them clean using the cold setting of a hair dryer.

Heating with Oil? Mind ECC's Late Winter Safety Tips

March 18, 2013 5:36 pm

March 20 may be the first day of spring, but many parts of the country continue to face winter's wrath.

So as we look tentatively toward spring and the warmer weather it promises, the heating oil industry’s Energy Communications Council (ECC) wants homeowners remember a few important points to help stay warm and safe during extreme weather.

With that in mind, the ECC presents the following tips:
1. Make sure you have an adequate heating oil supply in case roads may be inaccessible for delivery. Consider automatic delivery, which allows retailers to use computerized systems signaling them when tank volumes are low and need to be refilled.
2. If consumers have an in-ground tank, ensure that fill pipes are clearly marked and readily accessible for oil heat delivery drivers. A thin wire stake with a colored flag inserted into the ground next to fill pipes can work well. The marker should be higher than the average snow cover depth for your area.
3. Keep heating vents clear and make sure carbon monoxide and smoke detectors are installed in your home. If a vent is obstructed, an appliance may malfunction and create a dangerous buildup of carbon monoxide.
4. If oil heat tanks are located behind a home or business, consumers should ensure that fence gates can be opened and there is a clear path for deliveries. A hundred foot heating oil hose can weigh more than 100 pounds.
5. For above-ground outdoor tanks, large amounts of debris, snow or ice sliding from roofs have the potential to damage heating fuel lines. Consumers should try to safely clear and debris, snow or ice buildup from the areas above their fuel lines, before damage occurs.
6. For a permanent solution to potential winter weather hazards, many oil heat dealers sell weatherproof enclosures for outdoor tanks.
7. After a storm passes and it is safe to do so, check the entire area for any damage to an outdoor oil heat tank. Immediately call your local heating oil dealer if you suspect that any hazards exist. Do not attempt repairs yourself.

More information is available at www.HeatingNews.org.

Make Your Home Green and Beautiful

March 18, 2013 5:36 pm

(Family Features)—When it comes to improving your home, it's easier than ever to make eco-friendly choices that save you money, are better for the environment and make your home more beautiful. Here are a few easy ways you can go green all over the house.

Light it Up - As you make the switch from incandescent bulbs, it's important to look for a bulb that will not only conserve energy and save money, but that gives you the kind of illumination you want. Look for an alternative with even light distribution, such as 3M LED Advanced Light. It lights up a room as beautifully as you would expect, and lasts for 25 years, delivering energy efficiency without compromise. It uses one quarter of the energy used by an incandescent light bulb and can save you up to $140 worth of electricity over the bulb's lifetime. In addition, it contains no mercury and does not need special disposal. Learn more at www.3MLighting.com/LED.

Decorate with Recycled Materials - Whether you're a do-it-yourselfer or want to buy ready-made items, there are plenty of options that keep materials out of landfills. Look for furniture made from reclaimed wood, carpets made from recycled plastic, flooring made from sustainable resources such as bamboo or cork, and wallpaper made from managed timber sources. You can find glassware, dinner sets and accessories made from recycled glass, and textiles like curtains and blankets made from organic fibers.

Save Water with Style - Upgrading your water-using devices can help you use less water and save money. The Environmental Protection Agency (EPA) says that products with the WaterSense or EnergyStar labels will cut down on your water usage. For example, replacing faucets and aerators with WaterSense models can save you an average of 700 gallons of water per year. Replacing your showerhead could save 2,900 gallons of water per year, and a new toilet could save you 13,000 gallons of water per year. Look for the EnergyStar label on dishwashers and washing machines -- they can use up to half as much water and 40 percent less energy.

Clean Green - Keep your home sparkling clean with eco-friendly cleaners and detergents. Look for products with plant-based ingredients and that are free from artificial chemicals, colors and fragrances. And learn to make your own cleaners, too. Baking soda and vinegar are natural products with a lot of cleaning power.

Making some green improvements around your house is easier than you think -- and the payoff is a beautiful home and a better environment.

Source: Family Features

Money Matters: Lessons for Kids Age 7- 8

March 18, 2013 5:36 pm

Kids are full of curiosity, so it's only natural this curiosity would extend to money and finances. As kids approach ages seven and eight, they are in full learning mode and are interested in becoming more responsible for themselves. This is the perfect time begin bolstering their financial sensibility, if you haven’t already.

BMO Harris Bank recommends parents with kids in this age group start with these lessons:

Start saving. It's not uncommon for kids to receive money through either a small allowance or gifts, making it a great time to begin teaching the importance of saving money. Talk to your kids about what financial goals they have, such as buying a gift for a family member. Then, help them save small amounts of money toward it and track their progress. You may want to give a small reward each time a savings goal is reached.

After a larger amount is reached, you can go to the bank to open a savings account. Most kids think it's fun to come to the bank and for many of them it's the first time they've opened an account of any kind.

Learn the value of everyday items. Kids in this age group are ready to learn that everyday items, such as food, household items and toys, cost money. One of the best ways to teach this lesson is to use examples that are relevant to them. For example, if your son wants a new video game, you can help him find the cost and then figure out how much he needs to save to eventually purchase the game. It's also an opportunity to help your kids research the best bargains and in turn help them become smarter and more frugal with their money.

Spend monetary gifts responsibly. Whether it's a $20 gift or a $100 gift, you can use these amounts to teach kids the importance of dividing their money to achieve different financial goals. Instead of letting him or her spend 100 percent of the gift on toys, allow just 50 percent to be spent now, set aside 30 percent in a savings account and use 20 percent toward a charitable donation.

Consistent messages pay off

As a final point, it's important to provide kids with a consistent message about financial matters and setting an example on how to be responsible with money. Make sure both parents agree on the approach to speak and teach about money. Although parents may have different views about handling finances, with kids you need to make sure you are giving the same message.

Source: www.bmoharris.com

Word of the Day

March 18, 2013 5:36 pm

Prepayment penalty. Fee charged by the lender when a borrower repays the loan early.

Q: What Are the Specific Responsibilities of the Contractor vs. the Architect?

March 18, 2013 5:36 pm

A: Beyond having an architect create the design and the contractor implement it, both professionals have additional responsibilities. The contractor is responsible for pricing the project and ensuring that it is completed in a timely fashion. The architect is responsible for getting the construction drawing completed with proper specifications and architectural detail. Since many jurisdictions require architectural drawings to be reviewed to ensure the plans sufficiently meet local codes, the architect may also be responsible for applying for and securing the permits. Make sure that everyone, you included, understand who is responsible for what before work begins in your home.

Q: What Should I Consider when Redoing My Kitchen?

March 15, 2013 3:34 pm

Q: What Should I Consider when Redoing My Kitchen?

A:
It is tempting to discard existing appliances when you build new cabinets around them. Rethink the idea. If the appliances are workable, keep them – and save yourself from $1,000 to $5,000, according to the National Association of the Remodeling Industry. Also keep the present location of major fixtures, appliances and utilities relative to the plumbing, gas and electrical outlets. Rearranging plumbing, wiring and jacks can be very expensive. Refacing existing cabinets can reduce the cost of your kitchen remodel considerably and eliminate the need for new flooring, countertops and appliances. If you must get new cabinets, options such as spice racks and slide out wire baskets can be added later. Also, install cabinets without soffits to decrease labor cost; and avoid trim moldings, or use a simple trim. If you must have a new wood trim to match the new cabinets, order pre-finished trim to decrease labor cost; avoid having the painting or staining done on-site. Other helpful tips: choose neutral colors for fixtures, appliances and laminates and avoid the need for a new floor by sanding and refinishing a hardwood floor that may be underneath the existing vinyl flooring.