Gunning Daily News

Auto Theft Decreases 7.2 Percent; Auto Theft Safety Tips

September 20, 2011 5:09 pm

Fewer Americans were victims of car thefts last year. The FBI's annual Uniform Crime Report shows a 7.2 percentage decrease in auto thefts compared to 2010. Improved anti-theft devices and safety tips can help continue this downward trend. Unfortunately, potential thieves will not give up on their efforts to steal your car. But with the same persistence, Ford is constantly improving technologies and methods to keep vehicles secure for its customers.

Everyday things you can do to protect against theft:

You might think most stolen vehicles are expensive sports cars or multipurpose passenger vehicles, but that's not always the case.

It also doesn't matter whether you live in a big city, the suburbs or in the country; anyone is susceptible to vehicle theft.

In fact, 40 to 50 percent of vehicle theft is due to driver error, which includes leaving vehicle doors unlocked and leaving keys in the ignition or on the seats.
But there are measures you can take to make sure your vehicle is not an easy target for thieves:

• First, always take your keys; never leave them in or on your vehicle
• Always close and lock all windows and doors when you park
• Park in well-lit areas
• Keep your vehicle in your garage, if possible
• Never leave valuables in your vehicle, especially where they can be seen
• Never leave the area while your vehicle is running

For more information, visit www.fordmotorcompany.com.

Autumn Is the Best Time for Grass Seed Success

September 20, 2011 5:09 pm

The cooler weather and increased precipitation of fall are a welcomed relief for lawns throughout United States. Grass suffered through a long, hot summer with many parts of the country experiencing drought-like conditions. Excessive heat and lack of rain can leave plants brown and withered. Grass is no exception, but there is still hope for recovery this fall.

Reseeding is a great way to revitalize the lawn, and luckily, fall provides the best conditions to plant new grass seed. Reseeding fills in bare spots caused by excessive traffic or disease, and restores thinning patches where lack of rain has scarred the lawn. In fact, reseeding with grass seed in combination with lawn food in the fall can make your lawn thicker next spring. A lush lawn helps capture and filter rainwater to recharge our groundwater supply.

Simple Steps for Reseeding Your Lawn

1. Prep
: Mow your existing lawn short and remove clippings so the seed can make contact with the soil. In thin or bare areas, loosen the top layer of soil to help the seedlings take root. For best results, aerate or de-thatch after mowing.
2. Apply: Adjust spreader settings and apply your product to the lawn. Avoid areas that have been treated with a weed killer in the past three weeks or a weed prevention product in the last two months, as new seedlings will not grow in these areas.
3. Water: Water thoroughly after application, and continue to water daily to keep the soil moist for at least two weeks, or until the seedlings reach approximately two inches in height. Sunny areas may require additional water, and shady areas may need less.

Tips for Reseeding Success 

- After reseeding, keep traffic and mowing to a minimum until new seedlings establish. 
- Do not apply a weed killer or weed prevention product to the reseeded area until the new seedlings have been mowed at least four times. Some weed controls could damage or kill the seedlings. 
- To help keep your entire lawn thick and resilient, regularly feed with fertilizer.

Fight back against the drought-like conditions of summer by seeding and feeding for the softest play space Mother Nature has to offer in the fall.

For additional information, visit www.scotts.com.

Word of the Day

September 20, 2011 5:09 pm

Homestead protection. State and federal laws that protect against the forced sale of a person’s home by creditors. Also, upon the death of one spouse, provides the other with a home for life.

Question of the Day

September 20, 2011 5:09 pm

Q: How can I finance work needed for home repairs?

A: According to the Millennial Housing Commission created by Congress, few lenders are willing to administer home improvement loans. Most prefer to make home equity loans or unsecured consumer loans because they are easier to manage. Home improvement loans usually require inspections and irregular draws on the loan amount as work is completed, which forces regional or national lenders to find local partners to provide oversight.

Financing repairs and improvements with home equity is okay for most homeowners, but it difficult for many first-time buyers. They have lower-incomes, smaller savings, and have made lower down payments on their homes than first-time buyers a decade ago. So they have little equity to borrow against. Unfortunately, it is often lower cost older homes purchased by first-time buyers that need the most work.

Unless you have a cash reserve, you will have to shop around for the best borrowing terms. In addition to the options listed above, you can ask relatives for a loan. Borrow against your whole life insurance policy. Refinance your existing mortgage. Get a second mortgage. Contact the government about home improvement programs. And – only as a last resort – borrow from a finance agency, which generally tend to charge higher rates.


Best of Countertop Options for Your Kitchen

September 19, 2011 5:39 pm

If a little updating is in your kitchen’s future, one of the most important choices you will need to make involves your kitchen countertop. These days, there are many choices and more than a few differences in wearability, longevity and cost.

From home store kitchen consultant Jeff Wittenberg, here are the pros and cons about today’s most popular countertop materials:

• Granite – A good choice for looks, durability and elegance, granite stands up to heat, requires little maintenance, and will likely last a lifetime. It’s expensive, but coming down in price, and is available in a variety of colors and natural patterns. Cutting directly on them won’t harm this super-hard surface but will dull knives.
• Engineered stone – Composed of 93% quartz particles, these countertop options are expensive but are nonporous, resistant to scratches and stains, and require little to no maintenance.
• Marble – beautiful, water- and heat proof, marble is expensive and vulnerable to stains and scratches. Requires a lot of care.
• Solid surface – These custom engineered countertops are seamless and stain resistant and come in a rainbow of colors – but they are vulnerable to hot pans and stains and are moderately expensive.
• Ceramic tile – Durable, inexpensive and easy to clean, ceramic tile can take the heat and is easy to clean. But tiles can chip or crack over time and grout lines can become stained.
• Laminates – these plastic coated synthetics are durable and inexpensive. They are easy to clean, and available in many colors, but cracks and chips are impossible to repair.
• Wood or butcher block – Beautiful and easy to clean, hardwood countertops can be sanded and resealed as needed—but they can be damaged over time by water and stains, and scratches must be oiled or sealed.

New Online Guides Teach Consumers How Building Codes Make Homes More Energy Efficient

September 19, 2011 5:39 pm

Thanks to the new partnership between the Building Codes Assistance Project (BCAP) and Consumers Union, user-friendly, interactive online guides and downloadable publications are helping homeowners and buyers save energy and money by teaching them the potential of building energy codes to address and improve home energy performance.

“Everyone should have the right to an energy-efficient home that meets national standards,” saysCosimina Panetti, advocacy director of BCAP. “Energy codes—minimum requirements for efficient design and construction—offer a cost-effective way to reduce energy use and monthly bills, while also lowering carbon emissions. It’s a win-win-win.”

Energy Codes: A Consumer Issue

A 2011 Consumers Union survey found that 86% of homeowners want to know a home’s energy operating costs before they buy or rent; 82% of homeowners believe they have a right to homes that meet national standards; and 77% of homeowners think that homebuilders should not construct less efficient homes at the consumer’s expense.

“Energy codes affect the majority of the population, but are often overlooked as a consumer issue,” says Stacy Weisfeld, energy campaign organizer for Consumers Union. “Strong energy codes help not only people moving into new homes, but also future buyers and the community as a whole.”

The average U.S. homeowner will spend about $2,175 on home energy costs this year, or about $180 a month. An energy-efficient home that complies with the 2009 national energy code can save homeowners $235 or more each year compared to an average new home that does not meet the 2009 code.

Energy Code Resources

The new tools provide information about energy codes and checklists homeowners and buyers can use to identify whether construction meets building energy code requirements.

The interactive tools and downloadable publications are hosted on both the BCAP website and the Consumer Reports Greener Choices site.

The resources include:

• Energy Code Guides
Learn how to increase home energy performance through in-depth guides.

• Energy Code Printable Checklists
The checklists help determine if a new home meets national energy code standards, and teach consumers how to read the Energy Code Certificate that builders post in new or substantially renovated homes.

• Energy Codes Location Guide
This step-by-step guide provides building energy codes based on location and information on whether or not the code is being effectively enforced.

Documents That Explain What Energy Codes Are
Fact sheets and a PowerPoint presentation provide basic information about building energy codes and explain why they are important.

Select State Guides and Checklists
BCAP has partnered with state energy offices in Alabama, Kentucky, Missouri and Nebraska to create customized energy code resources for consumers in each state.

“We want to empower consumers to shop assertively for energy efficiency when they buy or renovate a home, just as they have learned to do when they shop for refrigerators and air conditioners,” Weisfeld says. “Consumers who use these new energy codes toolkits will know exactly what to look for, and which questions to ask builders, sellers and home inspectors when shopping for a home.”

BCAP and Consumers Union are also inviting consumers to become more active in state-based campaigns to educate consumers and strengthen adoption and enforcement of energy codes. Current campaigns are underway in Maine, New Hampshire, Ohio and Michigan.

For more information, visit http://www.ase.org/.

Spike in Home Remodeling to Continue through 2012

September 19, 2011 5:39 pm

The remodeling of older homes is shaping up to be the next big trend in green building. Dr. David Crowe, Chief Economist of the National Association of Home Builders, predicts U.S. home remodeling expenditures will increase by at least 20 percent by the end of 2011. 

Crowe says, "Due to the housing market, homeowners will choose to stay in their homes and invest in updates rather than upgrade by moving." 

That trend apparently is fueling another development in the remodeling industry—the increasing number of products being targeted to the do-it-yourselfer, says Dan Kahn of Floors to Your Home. "With products, such as flooring, becoming more technologically advanced and accessible to the homeowner, remodeling is easier and more cost effective," he says. 

"Due to the economy, homeowners are choosing to add on to their existing homes and manufacturers are helping them with these products that are much easier to install than they were in the past," Kahn says. "Manufacturers are creating products specifically with the do-it-yourselfer in mind." 

He also said that remodeling is popular because "small updates to the home can dramatically change the look and feel of a home, while boosting its value. For example, laminate flooring can make a home look more modern—at a much cheaper rate than a major renovation." 

Real estate statistics also show that homes with hardwood flooring—real or not—often get a higher price than those with carpet. In an effort to make the house more "sellable," homeowners are opting to make those smaller renovations before selling. 

Studies show that in the next five years, the focus of remodeling spending will shift from upper-end discretionary projects to replacements and systems upgrades. Kahn says, "Homeowners should look to do-it-yourself projects, such as laying a floating floor that can go above their existing floor. This way they can still refinish their home, but do it in such a way that it will be cost effective."

For more information, visit www.floorstoyourhome.com.

Keeping Families Healthy and Happy with Minimal Chaos

September 19, 2011 5:39 pm

Daily routines for many families are filled with commitments that lead to chaotic schedules. Calendars are jam-packed with carpools, sports practice and other activities, so keeping the family happy and healthy with balanced meals and fitness can become a challenging priority. 

Organization and meal planning is key, says Kathy Kaehler, Snapware® brand partner and creator of the Sunday Set-Up™ Club. "As a mom, nothing feels better than being organized; it makes my day manageable." Kaehler recommends the following tips to help keep family health and happiness top-of-mind while minimizing the daily chaos of being over-scheduled:
Get a Jump Start on Tomorrow. Pack school bags, including nutritious lunches the night before. 

Set Up a Snack Station. Stay ahead of the bell by setting out containers of after-school snacks on the kitchen counter, so that kids have easy access to healthy snacks as soon as they arrive home. Kaehler recommends filling containers with nutritious snack combinations like carrot sticks with hummus, celery sticks with peanut butter, frozen grapes or frozen banana chips dipped in dark chocolate. 

Stay Active. Schedule a family bike ride, walk, or a soccer game on the lawn. It's important to set an example for your kids when it comes to exercise, and having these activities as part of their daily schedule allows exercise to be a part of their weekly routine. 

Prepare Healthy Dinner Options. Make sure kids get the very best nutrition from family dinners by preparing lean meat meals with lots of fruits and vegetables. To save time and reduce cost, cook once but eat twice by preparing double the portions needed for dinner and refrigerating the leftovers in leak-proof storage containers. A balanced portion of leftovers can then be served on a subsequent day. 

A little organization can go a long way toward making afternoons and evenings less chaotic and more enjoyable for the whole family. For more information on where to find affordable, BPA-free storage solutions visit www.snapware.com. 

This and other food and lifestyle content can be found at www.editors.familyfeatures.com.

Word of the Day

September 19, 2011 5:39 pm

Homeowner’s insurance policy. Packaged insurance policy for homeowners and tenants that cover property damage and public liability, such as fire, theft, and personal liability.

Question of the Day

September 19, 2011 5:39 pm

Q: Is private mortgage insurance always required on low-down payment loans?
A:
Lenders require private mortgage insurance (PMI) on most loans with less than a 20 percent down payment. They believe there is a correlation between borrower equity and default. They have found that the less money borrowers put down, the more likely they are to default on a loan. PMI guarantees the lender will not lose money if this happens and a foreclosure is necessary.
A growing number of private lenders, however, are loosening up their requirements for low-down payment loans. In fact, the Homeowners Protection Act states that PMI must be dropped on any loan originated after July 29, 1999. Borrowers can request that PMI be canceled when they pay down the principal balance on their mortgage loans to 80 percent of the purchase price. Lenders must automatically cancel PMI when the balance hits 78 percent.