Gunning Daily News

Product Trend: Energy Efficient Fridges

August 29, 2011 4:39 pm

According to the Alliance to Save Energy, New Department of Energy efficiency standards will cut energy use of many new refrigerators by 25%. This will help consumers save money as well as reduce pollutions and encourage investment.

The latest standards are based on a joint recommendation filed in 2010 with DOE by the groups and refrigerator manufacturers represented by the Association of Home Appliance Manufacturers.
A typical refrigerator in 2014 will use about one-fifth as much electricity as one from the mid-1970s, and they cost about 60% less comparatively while also growing up to 20% larger.

Additionally, DOE estimates that these new fridges will cut CO2 emissions by 344 million metric tons over 30 years—which is equal to the annual emissions of about 67 million cars.

For more information, visit www.ase.org.


Budget-Friendly Family Fun

August 29, 2011 4:39 pm

These days, enjoying one another's company on a budget is even more important for families. So take a break from the ordinary and settle into the comforts of the best playground around—the home.
Remember that family time should be silly, lighthearted, and above all, about creating special bonding moments with the kids. Following are a few entertaining at-home activities the entire family can enjoy without dipping into savings. 

Explore the great indoors. Everyone loves a good scavenger hunt. Divide the family into teams and race to see who can find the most items on the list first. Don't forget to have prizes for the winners. Better-for-you treats make for the perfect scavenger hunt prize or for snacking on-the-go. 

Switch it up with backwards day. Shake up the evening routine by doing everything backwards. Put on your comfy pajamas right after school and even flip them backwards or inside out. Get together for a board game with a twist and move the pieces from finish to start. Make your end of day meal more festive by serving breakfast for dinner or eating dessert as the first course. The kids will certainly get a kick out of bending the rules. 

Create a backyard obstacle course. Collect some old produce boxes from your local grocery store; they're usually available free of charge. Then, stagger the boxes on your lawn for the kids to run through in different patterns. Set up a backyard bowling game with recycled empty bottles just before the finish line. You can add other obstacles such as a limbo stick, hopscotch with ropes or anything else you like from materials around the house—the sky is the limit. 

Make dinner a family affair. Research consistently shows that families who regularly eat together are closer and happier than those who don't. 

For more budget-friendly family recipes and activities, visit www.Meals.com.

Word of the Day

August 29, 2011 4:39 pm

Exclusive-right-to-sell listing. Listing that gives the broker the right to collect a commission no matter who sells the property during the listing period.


Question of the Day

August 29, 2011 4:39 pm

Q: Is a home equity line of credit similar to a second mortgage?

A: A home equity loan, like a second mortgage, lets you tap up to about 80 percent of the appraised value of your home, minus your current mortgage balance. But because it is set up as a line of credit, you will not be charged interest until you actually make a withdrawal against the loan, although you will be responsible for paying closing costs.
The withdrawals can be made gradually as you begin to pay contractors and suppliers for handling your remodeling project.

The interest rates on these loans are usually variable. Of particular importance: make sure you understand the terms of the loan. If, for example, your loan requires that you pay interest only for the life of the loan, you will have to pay back the full amount borrowed at the end of the loan period or risk losing your home.

The Pros and Cons of Plastic Storage Space

August 26, 2011 4:39 pm

I recently began researching space—not the cosmos, but the appropriate type of lawn shed for storage of outdoor garden equipment, tools, potting supplies and other related items. Below are some of the pros and cons of buying a plastic shed, as reported by carportstentsandsheds.com:

Pros:
â—Plastic sheds are typically lower in price than similar style sheds constructed from wood or metal.
â—Plastic sheds will last for years with virtually no maintenance required except maybe an occasional spray with a hose to clean them off. Wood sheds must be painted or stained and resealed periodically to avoid wood rot, and you must check for insect or water damage. Metal sheds are durable but must be checked for rust, which can occur if an area of the shed is dented or scratched.
â—You can find a plastic shed in almost any size and any style. They come with different styles of doors and some even come with shelves or other accessories that can be added. They also come in different colors and different finishes to add to the variety of options.
â—Plastic sheds are easy to install. Most plastic sheds assemble with ease and only come with a few parts. They are also relatively lightweight so they are easy to transport if you purchase them from a store and if you order a plastic shed online, the lighter weight of the sheds will cost less to ship.

Cons:
â—Plastic is not as attractive as wood. While plastic sheds have come a long way when it comes to aesthetics, and many are made to resemble wood grain and come in a variety of colors, a plastic shed doesn’t have the same charm and beauty in your garden or yard as a wooden shed does.
â—Colored plastic can fade over time if left in the sun, so when it comes to plastic, it is not worth buying cheap. 

Purchasing a plastic shed from a reputable manufacturer is a wise choice to ensure that you will enjoy years of use from your shed. Some large shed manufacturers even offer warranties with their products.

If you are in the market for a plastic shed, companies including Duramax, Sentinel, Arrow, and Suncast may provide some ideas on how to get the best plastic shed for your money.

Travel Insurance Tips for Hurricane Season

August 26, 2011 4:39 pm

After the first official hurricane of the Atlantic season, flooding, power outages and worse all along the East Coast as far north as Maine, may be impacting residents and summer vacationers alike. 

"Now is a good time to get reacquainted with your travel insurance policy," says Jim Grace, president and CEO of InsureMyTrip. "

This month marks the beginning of the peak of hurricane season, which runs through November, so if you don't have coverage for Irene, there's still time to protect your future travels from any yet-to-be-named storms.

"Trip cancellation and interruption protection is based on the occurrence of unforeseen events," explains Grace. "Once a storm has been publicly identified, it can only spell trouble for travelers without insurance protection. You need to purchase travel insurance coverage before a storm is predicted and named, not when it's bearing down on you or your intended destination."

Coverage for weather-related trip cancellations and interruptions differs by insurance company and plan. The covered cancellation reasons can include:
• Cancellation due to Weather: when common carriers such as airlines and cruise lines cease service due to weather
• Cancellation due to Hurricane Warning: cancellation of your trip if your destination is under a NOAA-issued hurricane warning
• Destination made Uninhabitable: if your hotel, resort, or vacation rental is devastated by a storm
• Primary Residence made Uninhabitable: if your own home sustains destructive storm damage
• Cancel For Any Reason– an optional benefit that allows you to choose whether or not to cancel.

To learn more about protection plans for travel during hurricane season, visit www.insuremytrip.com


End of Season Yard Work

August 26, 2011 4:39 pm

The end of summer brings shorter days and cooler evenings. Make sure your plants are ready for the change in temperature, and spruce up your yard with the following tips.

Give furnishings a face-lift. Deck furniture looking tired after a season of wear and tear? Wipe them down and touch them up with paint. Fence missing a few posts? Time to pull out the hammer and some nails. Freshen up your yard accessories so they look crisp for fall.

Plant Grass. This is the perfect time to plant grass. In most parts of the country, the heat has broken, and seedlings will be less likely to dry out quickly. Sow seeds in those bare areas your kids have been trampling on all summer long.

Plant shrubs and trees. Nurseries often have great deals in the fall. Pick up a few new shrubs or trees and water them well to ensure healthy, fast growth.

Save Your Bulbs. While most bulbs will last through the first frost, to stay on the safe side, remove them now. Store them in a cardboard box or paper bag, packed in peat moss or shredded paper. Tuck away in a cool, dry place until spring.

Homeowners to Address HVAC Repairs at the First Sign of Trouble

August 26, 2011 4:39 pm

Our homes’ HVAC systems are some of the hardest working machines that we use. Air conditioning units and heating units endure harsh elements year round. They also switch quickly between use and disuse; long periods of disuse contribute to mechanical failure, especially when the machines are not maintained or serviced during this period, and are not eased back into constant use.

Because these systems are manufactured to withstand both elements and periods of disuse without complications, many residents are complacent with minimal HVAC maintenance.

As the summer season winds down, many homeowners may begin to experience the first signs of trouble with their air conditioners and HVAC systems. Instead of waiting until the end of the season, or the beginning of the next summer season, homeowners who experience any trouble with their cooling system should call a serviceman immediately. A qualified serviceman or HVAC repair technician can troubleshoot a home’s HVAC system and make small adjustments and repairs as needed. Often, these early repairs can head off major problems that are more costly, and more inconvenient to homeowners.

For more information, visit http://www.askexpertexpress.com.

Question of the Day

August 26, 2011 4:39 pm

Q: What is amortization and negative amortization?

A: When you amortize a loan, you basically pay off the principal by making regular installment payments. This typically takes place gradually over several years.

Negative amortization is when the mortgage payment is smaller than the interest that is due, which causes the loan balance to increase rather than decrease. Negative amortization only happens with adjustable rate mortgages (ARMs) with certain features, including an initial payment that does not cover the interest due, a feature that is supposed to increase the affordability of the loan.

With negative amortization, a persistent rise in interest rates reduces the equity in the house unless the negative amortization is offset by house appreciation.

Negative amortization has to be repaid, which means your payment will rise in the future. The larger the negative amortization, the more you will be required to amortize the loan in full.

End of Summer Clean up Tips

August 26, 2011 1:39 pm

By Zoe Eisenberg

Get your home ready for the change of season with the following cleaning tips.

Wipe-out.You never know how dirty things really are until you give them a good wipe down. Cut up a couple of old t-shirts into rags (better for the environment than paper towels!) and start wiping down the places often overlooked--doors, window-ledges, cabinets, lighting fixtures and shutters. You will be amazed at the grime that you clear out.

De-clutter. No need to wait until the spring to get rid of junk. Go through your closet and, instead of merely packing summer clothes away for next year, get rid of anything you didn’t wear this season. Go through the garage and get rid of toys your kids have outgrown, and give away old exercise equipment, kitchen gadgets or other things you simply don’t use. Donate your old items to Goodwill or the Salvation Army, or hold an end-of-summer yard sale to score some extra cash.

Outdoor Details. Scrub outdoor accessories, like your grill or kiddy pool, before storing them for the winter. There is nothing worse than a grimy grill to put a damper on next year’s summer kick-off barbeque.

Stow Summer Gear. Wash your beach towels, shake out those beach bags, dry clean your sleeping bags, scrub camping equipment and knock the dirt out of those hiking boots. Store them for next season squeaky clean.