Gunning Daily News
November 2, 2011 5:40 pm
Q: Is it possible to get a no-down payment loan?
A: Builders will typically offer no-down-payment loans to sell properties in a slow-moving development or a depressed market. Desperate sellers also may commit to finance the down payment for the buyer to move a hard-to-sell home or to make a quick sale. And veterans may buy a home with nothing down through the Veterans Administration’s home loan program. And members of some pension funds also may avoid making a down payment.
November 2, 2011 5:08 pm
The goblins and ghouls have come and gone, but your home still may be a frightful place. Real cobwebs that hang in the corner no longer add to the ambiance of the living room. Dust balls lurk under the beds, and only a scientist can hazard a guess at what's growing in the dark recesses of your refrigerator.
Experts at The Maids (www.maids.com), a franchised residential cleaning service to clean for health using environmentally preferable products, a strategic cleaning approach and state-of-the-art equipment, offer these ideas to help you focus on often-overlooked areas so you can transform your haunted house into home-sweet-home.
It Came from Above. Cobwebs might have been the perfect decor for a Halloween party, but now they are simply creepy. Attach a microfiber cloth—a rubber band works nicely—to an extending pole or even a broom handle and run it along ceiling and wall creases. You can also use an extender attachment on your vacuum to eliminate webs from windowsills and other areas where spiders like to congregate. Don't forget to wipe down curtain rods or other window treatment fixtures that aren't part of a regular cleaning regime.
Next dust tops of picture frames, bookshelf tops, door moldings and other wall decor. Remove any vent covers and thoroughly clean with a mild soap and warm water. Dust smoke and CO2 detectors to make sure they're operating efficiently.
If you have silk or other artificial floral arrangements, remove dust or sticky cobwebs with a microfiber cloth. At the least, take them outside and give them a good shaking. If the dusty grime is too foreboding, consider throwing them away.
What Lies Beneath. Some of the truly scary places in your home are those you rarely see. Take this opportunity to dust or vacuum closet floors and corners, under beds, and any other places you might not have cleaned in several months. Use soapy, warm water to clean under kitchen or bathroom sinks; while you are there, check for leaks or other pipe issues.
Use a long-handled, soft brush to clean any accumulated lint and other fuzz from your dryer vent. Use a vacuum attachment to eliminate dust and debris from behind your washer and dryer and other appliances placed close to walls, including the refrigerator.
The Thing. Speaking of refrigerators, some of the unwanted things you find there can be, well, chilling. First, toss any foods that are expired, unwanted or look like they came from Frankenstein's laboratory. Place foods you want to keep on a counter or other clean surface.
Use a healthful and environmental-friendly solution of one quart warm water to one-quarter cup baking soda to wipe down the inside of the refrigerator. Place drawers and shelving into the sink or your bathtub and clean them with the same solution. To keep your refrigerator smelling fresh, keep a box of opened baking soda in the back of the fridge; change about every three months.
It Came from the Black Lagoon. Your bathtub and shower stall may not be that terrifying, but the truth is, thousands of germs and bacteria thrive in warm, moist places. And don't forget the mold and mildew that accumulates on tile grout.
Soapy water and a scrub brush are your best defense against any swamp creatures living in your bathroom. A simple paste of baking soda and vinegar and a tooth brush will scrub away grime that has accumulated on tile grout. If the grout is stained, reach for a lemon. The acidity in the fruit's juice will attack stains and discoloration. Leave the juice on for about ten minutes before wiping clean.
For more information, visit http://www.maids.com.
November 1, 2011 5:26 pm
If you are listing your home for sale, and/or preparing to buy a home, it’s important not only to protect your credit, but to guard against credit or identity theft as well as the theft of valuables. From Bankrate.com, here is a checklist that can help you do that during the buy/sell transaction period:
• Apply with care – Be mindful when applying to multiple lenders. To some versions of the FICO software, all applications submitted within Be mindful when applying to multiple lenders. To some versions of the FICO software, all applications submitted within 30-45 days of each other only count as one hit on your credit report. However, many lenders may still use older versions of the software. Play it safe by submitting all applications in a 14-day period. This will ensure that your credit report doesn't show multiple hits, which will in turn better your overall score.
• Prepare for lookers - When selling your home, pack up small, valuable belongings before strangers begin to walk through the house. Additionally, all bills or financial papers should be put into a locked box or drawer. Protecting your finances and account numbers should be your number-one priority because identity and credit theft are unfortunately very common.
• Protect your documents: When buying a new home, only potential mortgage lenders need to see all of your personal information. Agents and sellers only need to know how much you can afford. When dealing with a lender, stick to the same representative to minimize the number of people who have access to your documents. Avoid sending any files with your social security number through email. Opt for mail or fax instead.
• Stay on top of your finances: Even if you are on top of bills on a monthly basis, you may want to consider checking into your accounts weekly. By logging into your credit card accounts regularly, you can make sure that all of the charges are legitimately yours. Credit watch services are also a good idea. If a fraudulent charge is made, the service will pick up on it and alert you of the charges. It's important to act quickly with regards to your credit. You can never be too careful.
November 1, 2011 5:26 pm
Sunday, November 6 at 2 a.m. marks the official end of Daylight Savings time as clocks are pushed back one hour. While most of us will enjoy the opportunity to get an additional hour of slumber, sleep experts from Northwestern Memorial Hospital warn that even the one hour shift in time can be disruptive to our sleep patterns and recommend people use the end of Daylight Savings time as a time to evaluate their sleep habits.
"Sleep problems are widespread and on the rise, yet many people dismiss the issue and don't realize the consequences that can result," said Hrayr Attarian, MD, neurologist at Northwestern Memorial and associate professor of neurology at Northwestern University Feinberg School of Medicine. "As people reset their clocks, they should also take this opportunity to reset their sleep habits in order to avoid possible health consequences. Sleep deprivation has been linked to obesity, trouble with memory and learning and a higher incidence of diabetes and high blood pressure."
Attarian recommends that even though we are gaining an hour, you should still go to bed at the same time. Doing so will help make sure you don't go into Monday sleep deprived. To help people get a good night's sleep this weekend and throughout the year, Attarian offers tips on proper sleep habits.
• Consistency is key – Go to bed when you are sleepy and stick to a set rise time. You cannot force yourself to fall asleep, but you can always get up when you need to. Not sleeping in may help consolidate your sleep at night.
• Bedroom boundaries – Make sure the bedroom is only for going to sleep. It shouldn't be a place to watch TV, do work, surf the internet or eat. That way your body knows that when you get into bed, it's time to go to sleep.
• Work up a sweat – Exercise can give your body something to rest from and help you stay asleep at night. To allow enough wind-down time, it's best to complete exercise at least two to three hours before going to bed.
• Set the stage – Take a hot shower then get into a cool bed. The drop in your body's temperature after taking a hot shower and entering a cooler room is a process that naturally mimics day and night, and may help guide you to sleep.
• Put your thoughts to bed – Jot down your to-do list for the next day and put it aside so you feel organized and can avoid racing thoughts that may prevent you from falling and staying asleep.
• Relax - Avoid activities such as going online or watching TV that will hold your interest and keep you engaged. Listening to music or reading something that you find mindless in a dimly lit area may help you feel sleepy.
The end of Daylight Savings time also means an earlier sundown, leading to more nighttime driving for many Americans. According to Phyllis Zee, MD, Ph.D., director of Northwestern Memorial's Sleep Disorders Center, drowsy driving can lead to more accidents on the road.
"There is a significant increase in the number of car accidents in the days following the end of Daylight Savings Time (DST), which many attribute to lack of alertness from insufficient sleep," said Zee, who is also a professor of neurology, neurobiology and physiology at Northwestern University Feinberg School of Medicine. It seems contradictory that accidents would increase when an extra hour is actually gained with the shift from DST in the fall. Perhaps, in anticipation of the longer day, many people are tempted to stay up later on the weekend, which can lead to dangerous late night driving while drowsy. It is important to recognize that the increased risk of accidents associated with shifts to and from DST result from the need of the biological clock to adjust to the time change, as well as behavioral factors. For most sleep deprived Americans, the best thing to do is to take advantage of the end of DST to gain an extra hour of sleep.
Zee adds that drinking a cup of coffee or other caffeinated beverages just before getting behind the wheel may help temporarily. Most importantly, make sure you get enough sleep every night and avoid medications that make you drowsy. Zee warns that splashing water on your face, pinching yourself, listening to loud music or rolling the windows down do not help prevent falling asleep behind the wheel.
If sleep doesn't come naturally or you experience excessive sleepiness during the day despite a good sleep regimen, speak with your physician to determine the cause of sleep loss and regain control over your ability to be well-rested. Northwestern Memorial's new 10,000-square-foot state-of-the-art Sleep Disorders Center conducts day and night studies for the diagnosis and treatment of a multitude of sleep disorders, including sleep apnea, periodic limb movement disorder, nocturnal behaviors such as sleep walking, talking and eating in sleep, acting out dreams, and narcolepsy. Patients also have the option of completing diagnostic studies at home using ambulatory monitoring technology.
For more information, visit http://www.nmh.org
November 1, 2011 5:26 pm
Selecting an attorney for your business is one of the most important decisions a small business owner can make. Yet, when speaking with small business owners, I find that few know how to select the right attorney for their business.
There are a lot of different variables. But, at a minimum, the following should be considered before selecting an attorney:
What is the attorney's expertise?
Select an attorney that has worked with owners of similar businesses. The attorney will be able to advise you of potential risks within your industry. The attorney will also be familiar with drafting the types of documents and contracts your business needs. This will save you money since the attorney is already familiar with the legal environment in which your business operates.
How much are you going to pay in attorney's fees?
Attorneys charge clients in different ways. Many bill by the hour. Some charge a flat rate for completion of a specific task. Before selecting an attorney, make sure you are comfortable with the attorney's fee structure.
Be sure to ask the attorney to give you an estimate of the total cost of the task you need completed. Also ask whether the attorney charges fees for copying, postage, mileage, or any other non-fee related expenses.
How does the attorney communicate?
I find that many small business owners never think to ask this question. Before you select an attorney, find out if the attorney prefers to communicate in person, by phone, or by email. If your business keeps you too busy to meet in person and you prefer email, make sure that you select an attorney that communicates regularly by email.
Also be sure to find out who will be communicating with you. Some attorneys utilize their associate attorneys, paralegals, or secretaries to communicate with clients. Ask if you will be charged for each time someone communicates with you. Don't assume that because you are not meeting in person with the attorney that you will not be billed.
Who will actually be doing my work?
The attorney you meet in the first meeting is not necessarily the one who will be doing your work. It is not uncommon for partners to have associates or paralegals complete tasks. Often times this can save you money because the associate or paralegal costs less per hour than the attorney.
Jennifer K . Halford is an attorney whose practice focuses on business law and estate planning. She is also a professor at California State University, Chico, where she teaches Entrepreneurial Law.
November 1, 2011 5:26 pm
Winter is well on its way, and with the frost, snow and sleet comes the threat of winter water damage. Keeping your home’s exterior in top condition is a great preventative measure you can take to avoid costly water damage.
As leaves and other debris continue to fall, it is likely they are clogging your gutters and making it difficult for water to pass through, keeping your roof from draining properly and upping your risks for water damage. As many home insurance policies neglect to cover damage caused by seepage, preventing flood damage is crucial.
To maintain the health of your home, and prevent water damage, keep your gutters in good condition with the following tips.
1. Make sure your gutters are installed by a professional
2. Make sure your gutters are securely fastened and well maintained
3. Direct downspouts away from house
4. Routinely check for and identify any blockages in your spouts or gutters
November 1, 2011 5:26 pm
Nonconforming use. Use of property that is permitted to continue after a zoning ordinance prohibiting it has been passed.
November 1, 2011 5:26 pm
Q: What do I do about the unseen maintenance problems like toxic gases?
A: Problems with your chimney, mechanical devices on your heating appliance, and pressure within the home can all cause combustion spillage, the unwanted flow of combustion gases into your home. Present in these gases are toxic elements such as carbon monoxide, sulfur dioxide, and nitrogen oxides.
The best way to prevent spillage is to hire a professional – preferably one who specializes in building inspection, indoor air quality, ducting, chimneys and heating equipment – to do a yearly maintenance check of all your combustion appliances. These appliances include a gas-fired furnace, boiler, or water heater, an oil-fired furnace, boiler, or water heater, and a fireplace.
The service professional can check for heat exchanger leakage, evidence of start up spillage, and condensation in the chimney. Maintenance normally includes a tune-up, or in the case of a chimney, clearing it of debris and fixing cracks on the inside wall.
October 31, 2011 4:44 pm
Fall is the season for football, changing leaf colors, and—because of yard work—back injuries, tumbles from ladders and lawn mower accidents.
Each year, thousands of Americans are injured cleaning gutters, raking leaves, washing windows and doing other chores. The American Academy of Orthopaedic Surgeons (AAOS) urges people to take the proper safety precautions to reduce the number of cleaning-related accidents this season.
According to the U.S. Consumer Product Safety Commission:
• In 2010, more than 35,500 people injured themselves using a stepladder
• More than 127,000 were injured while operating a lawn mower
AAOS Expert Advice:
"When it comes to cleaning up around the house, be sure to move and lift heavy or oddly-shaped items properly. Start by bending at the knees and lift using your legs, not from your back," says Marc T. Galloway, M.D., orthopaedic surgeon and AAOS spokesperson. "A lot of injuries tend to occur on ladders too, so if you're cleaning the gutters or painting a bedroom make sure the ladder is stable, locked in place to avoid falls. And, whatever you do, do not stand on the top rung—this can result in orthopaedic injuries like fractures or breaks."
Fall Clean Up Safety Tips:
Lifting Heavy Objects
Proper techniques for lifting, carrying and bending should be part of any outdoor or indoor cleaning project to avoid back injuries:
• Separate your feet, shoulder-width apart and keep your back upright and bend at the knees while tightening the stomach muscles.
• Lift with your leg muscles as you stand up; don't try to lift any object by yourself if it is too heavy or an awkward shape.
Raking can be vigorous exercise. Before you begin, warm up for at least 10 minutes with some stretching and light exercise.
• Use a rake that is comfortable for your height and strength
• Wear gloves or use rakes with padded handles to prevent blisters, and vary your movement, alternating your leg and arm positions often.
• Keep your vision free of impediment and wear shoes with slip-resistant soles.
• To avoid back injuries, do not overfill leaf bags. Never carry or throw a bag over your shoulder or to the side. The twisting motion places undo stress on your back.
Ladders used for chores—such as washing windows, painting, cleaning gutters and trimming trees—should be placed on a firm, level surface. In addition:
• Never place a ladder on ground or flooring that is uneven, soft or wet.
• Use a sturdy step stool instead of a counter or furniture—such as a chair or the couch – when cleaning high hard to reach areas.
• When working on a ladder, over-reaching or leaning too far to one side can make you lose your balance and fall. Your bellybutton should not go beyond the sides of the ladder. Never climb a ladder without a spotter.
• Use care with extension cords: be sure they are properly grounded. To avoid tripping or falling, do not drape extension cords across spans of crossing walkways.
Mowing the Lawn
When mowing the lawn, be sure to wear proper footwear and eyewear for protection.
• Use a mower with a control that stops it from moving forward if the handle is released. Never pull backward or mow in reverse unless absolutely necessary – carefully look for others behind you when you do.
• Children should be at least 12-years-old before they operate any lawn mower, and at least 16- years-old for a ride-on mower.
Other Cleaning Tips
• Read product labels for proper use and wear protective clothing and gloves when using chemicals for cleaning. Store all chemicals at the appropriate temperature, which is usually indicated on the package, in a place that is out of reach of both children and pets. Never place chemicals into unmarked containers or containers labeled for a different substance.
• Keep a cell phone within reach in case of accident or injury.
For more information, visit Orthoinfo.org or
October 31, 2011 4:44 pm
Chances are, your home’s carpet gets a lot of wear and tear. By following these few simple tips, you can extend your carpet’s life and save a little money in the process.
1. Vacuum. Vacuuming often removes dirty and soil buildup, preventing accumulations that are more difficult to tackle.
2. Spot Stain. With kids, pets, guests and accidents, some staining bound to happen. By addressing stains immediately, you will be more likely to remove the stain before it sets.
3. Don’t Rub! When a stain occurs, blot it to absorb any liquid, then add a cleaner and let it sit. If you need to, blot from the outside of the stain toward the center to avoid spreading, but don’t rub—this can cause the stain to set deeper into your carpet.