Gunning Daily News
July 7, 2011 3:23 pm
Smartphones and tablets, loaded with features and apps, are replacing other technology devices for many consumers, according to a recent mobile survey conducted by Prosper Mobile Insights™ among smartphone and tablet users on their devices. A majority of smartphone/tablet users say their mobile device has replaced a traditional alarm clock (61.1%) and a GPS device (52.3%). Four in 10 smartphone/tablet users say their mobile device has replaced a digital camera (44.3%), a personal planner (41.6%) and a landline phone (40.3%). More than a third no longer need a separate MP3 player (37.6%) or a video camera (34.2%).
Replaced by Smartphone or Tablet:
Alarm Clock: 61.1%
Digital camera: 44.3%
Personal planner: 41.6%
Landline phone: 40.3%
MP3 Player: 37.6%
Video Camera: 34.2%
Desktop/Laptop Computer: 24.2%
Gaming device: 20.8%
Internet service at home: 19.5%
DVD Player: 14.1%
Source: Prosper Mobile Insights™ Mobile Survey, June-11
It is no surprise that smartphones and tablets can easily take the place of other devices or media outlets, but can they replace a wallet? 57.7% of smartphone and tablet owners say they would be somewhat or very comfortable using their device to make a purchase in a store. 22.8% are unsure while 19.5% would be not at all or not very comfortable using this new “swipe technology.”
Despite innovative new gadgets, thousands of apps and a growing number of uses for new mobile devices, consumers still say reliable service is key. A vast majority (77.9%) of smartphone/tablet users say the best service is more important than the newest technology (22.1%).
For more information, please visit http://www.surveysampling.com.
July 7, 2011 3:23 pm
Students who regard their dorm room bed as a comfortable, carefree refuge where they rest and unwind may want to reevaluate. Information from the institutional bedding industry indicates that most colleges and universities replace mattresses in on-campus housing facilities on a four-to-five year schedule. Those familiar with what happens to a mattress after years of typical dorm use say allergens associated with dust particles, dust mites, mold and fungus can be an issue in even the most well-maintained campus residence facilities. Added to those worries are bedbug infestations and other sanitary concerns associated with used bedding.
According to information from the American Academy of Allergy, Asthma and Immunology (AAAAI), "Dorm life breeds mold, dust mites, bacteria and viruses. It is important to keep your room clean and free of these triggers. Remember to encase bedding with dust mite proof covers and wash sheets and blankets weekly in hot water, to keep your room free of dust mites and other airborne particles," advises an AAAAI fact sheet for students with allergies.
“When it comes to allergens, microbial presence and even ordinary dust particles, a regular mattress cover and sheets cannot provide a protective barrier between the mattress and the person sleeping in that bed night after night,” says Traci Broughton, product manager for Precision Fabrics Group in Greensboro, NC. “Preventing contact with allergens and other foreign material requires specially manufactured bedding products.”
Broughton says mattress and pillow encasements made from Pristine® fabric provide a solution. “Pristine® fabric is made from tightly woven yarns that make the material impenetrable to allergens and other particles, plus they’re finished with an anti-microbial treatment,” she explains. “They’re soft and breathable, and can be washed as frequently as ordinary bedding without breaking down or losing their protective properties.”
On the bed bug front, "Word of infestations occurs almost weekly (during the school year), as the pests have found their way into residence facilities across the U.S.," according to Wayne Walker, the senior pest control technician for the department of Housing and Residence Education at the University of Florida, who provides advice on preventing or minimizing bed bug infestations to members of the Association of College and University Housing Officers. "Due to the severity of the problem and the frequency of student travelers, bedbug outbreaks have increased in residence facilities and likely will continue to occur."
Broughton says mattress and pillow encasements are an important tool in protecting students from bed bugs that have taken up residence in their dorm mattress. "Bud bugs cannot bite though or escape from an encasement made from Pristine® fabric," she explains. "If the bugs or their eggs are already in a mattress, Pristine fabric create a barrier between them and the student."
Products made with Pristine® fabrics are available from a number of online specialty catalogs. For a list of suppliers, visit http://www.pristinefabrics.com.
July 7, 2011 3:23 pm
Close. Act of finalizing a transaction in which all the concerned parties meet to transfer title to a property. Also, when real estate formally changes ownership.
July 6, 2011 2:53 pm
Q: Why do homeowners have to pay property taxes?
A: Property taxes are assessed by city and county governments to generate the bulk of their operating revenues. The taxes help pay for such public services as schools, libraries, roads, and police protection.
Re-valuations of the tax are often done periodically, although the time interval varies from state to state or, in some states, from town to town, and can range from annual reassessments to periods of ten years or more.
July 6, 2011 2:53 pm
An energy bill unveiled recently on Facebook by Sen. Richard Lugar (R-Ind.) , an honorary vice-chair of the Alliance to Save Energy, would save Americans more than $33 billion annually with a variety of immediate and longer-term energy efficiency initiatives for autos, buildings and industry. By trimming U.S. energy needs and leveraging private investments in energy efficiency, the Practical Energy Plan of 2011 would encourage job-creating economic growth, improve U.S. global competitiveness and protect the environment.
“The Alliance commends our honorary congressional vice-chair, Sen. Lugar, for proposing sound, cost-effective public policy that deploys a foundation of energy efficiency to save taxpayers money, create jobs and keep U.S. industry competitive” says Alliance President Kateri Callahan. “The senator’s bill demonstrates that energy efficiency advances national priorities that resonate with Americans across the political spectrum and in all regions of the country.”
Lugar Bill Creates Energy Efficiency Targets
The Lugar bill sets annual fuel efficiency improvement targets of 4% or more, reducing U.S. oil dependence by 2.7 million barrels of oil daily and saving consumers $400 to $550 a year.
Further, the bill leverages private financing to provide low-cost loans to homeowners, small businesses, nonprofits and commercial facilities for cost-saving energy efficiency upgrades to buildings. A separate provision facilitates low-interest loans to rural homeowners and businesses for energy efficiency retrofits.
The bill also requires that all new federal buildings meet or exceed national model energy efficiency codes and accelerates implementation of Energy Saving Performance Contracts (ESPCs). The latter provision will save taxpayers $800 million annually in avoided federal energy costs.
Boosting American Competitiveness
By accelerating deployment of energy-saving equipment and processes in U.S manufacturing with a self-sustaining, low-cost loan program administered by state and local governments, the bill would save 1.1 quadrillion Btu per year and boost American competitiveness.
Callahan concludes, “The Lugar bill is a sound national investment with a tremendous return. In addition to the tremendous money and energy savings, the bill is expected to leverage considerable private dollars to maximize various federal investments.”
For more information, please visit www.ase.org.
July 6, 2011 2:53 pm
U.S. exports supported an estimated 9.2 million jobs in 2010, up from 8.7 million in 2009, according to a report issued recently by the Department of Commerce’s International Trade Administration. For every billion dollars of exports, over 5,000 jobs are supported.
“The exports surge in 2010 supported an additional half million jobs for U.S. workers—growth critical to America’s economic recovery,” U.S. Commerce Secretary Gary Locke says. “It’s easy to understand why it’s so important to reach President Obama’s goal of doubling exports by 2015 and doing more than ever to help U.S. businesses reach the 95 percent of consumers who live outside our borders.”
New data also shows employment supported by manufactured exports plays a significant role in many states. Twenty-one states each counted over 100,000 jobs supported by manufactured exports in 2009, with two states registering more than a half-million—California at 616,500 jobs, and Texas at 538,500 jobs.
“As we continue to make progress in reaching the goals of the President’s National Export Initiative, we are confident that the number of jobs supported by exports will continue to rise,” says Francisco Sánchez, under secretary of commerce for international trade. “More businesses are reaching customers in foreign markets and seeing their sales rise which leads to more good-paying jobs in the United States.”
The recent report updates ITA’s April 2010 report “Exports Support American Jobs,” and highlights that, now more than ever, exports are central to a strong U.S. economy. The value of exports that support one job was $181,000 in 2010, an increase of $17,000, or 10 percent from the 2009 figure, as export prices and productivity have strengthened.
“The International Trade Administration is committed to helping U.S. firms find lucrative exporting opportunities around the globe, and ensuring access to these markets,” Sánchez says. “Our efforts improve the global business environment and help U.S. companies compete abroad, creating jobs at home.”
The International Trade Administration has a lead role in implementing the National Export Initiative and helps businesses grow through exports.
For more information, please visit www.commerce.gov.
July 6, 2011 2:53 pm
Despite the economic downturn, Americans have not cut back on spending on Fluffy and Fido. According to a survey from the Consumer Reports National Research Center, during the darkest days of the recession in 2009 and 2010, only 16 percent of Americans said they reduced the amount they spent on their pets.
On top of this, the price of pet food, veterinary care and other pet-related products and services has risen 4 percent since 2008.
To help consumers keep more money in their pockets during these tough times, Consumer Reports compiled six ways for pet owners to curb expenses and still provide the best of care.
"It's still possible to save hundreds of dollars a year on pet care without shortchanging your furry, finned, or feathered friends," says Greg Daugherty, Executive Editor, Consumer Reports.
1. Don't pay a premium for pet food. Food is the biggest ongoing cost of owning a cat or dog. CR's survey respondents spent an average of $36 a month on food for dogs and $20 a month on food for cats. A significant part of the national pet-food bill goes for so-called premium and super-premium varieties. But "premium" has no legal definition in terms of nutritional quality. Pets with problems such as sensitive skin, digestive difficulties, or obesity might do better on special types of food, so talk with your vet. Even in those cases, you're likely to find significant price differences among equally appropriate foods.
Other ways to save: Hit the big box stores. CR sent secret shoppers around the country in search of the same list of pet-food brands and package weights. Target and Walmart had the lowest prices most of the time, cheaper than supermarkets and specialty retailers. Consider store and private–label brands. Among the least expensive pet foods CR found (on a unit-price basis) were Costco's Kirkland Signature, PetSmart's Grreat Choice, Safeway's store brand, and Walmart's Ol' Roy.
2. Consider new options for flea and tick protection. The big news on the flea and tick protection front is that the patent has expired on fipronil, one of the active ingredients in Frontline Plus, a leading brand, opening the market to competitors. CR found two that were new to the market, SentryFiproGuard Plus at Petco and PetArmor Plus at Walmart. The savings can be sizable. PetArmor Plus was the best deal CR saw: A three-month supply cost $28, compared with $50 for FiproGuard Plus and $62 for Frontline Plus at Petco.
Other ways to save: Shop online (mostly). CR found cheaper prices at 1-800-PetMeds, Drs. Foster & Smith and PetCareRx than at Petco or PetSmart. But the internet sellers didn't sell PetArmorPlus, and only two of the three carried FiproGuard Plus when CR checked in early June.
3. Comparison shop for your pet's veterinary care. Survey respondents spoke glowingly of their vets in general, but they were far more critical of the vets' efforts to keep costs down. Because veterinary care is an infrequent, sometimes emergency expenditure, it's difficult for consumers to gauge what constitutes a fair price for any of the hundreds of services their pet might require. The best time to comparison shop is when your pet needs a routine checkup, not when you're stressed out by a sick or injured animal.
Call at least two or three nearby vets and ask what their physical-exam fee is.
Nationally, it can range from roughly $35 to $46. That difference might seem like small change, but the exam fee forms the cornerstone of every vet bill, and vets often set their other fees as a percentage or multiple of that charge.
Consequently, the range of fees to, say, repair a midsized dog's tibial fracture can grow significantly wider: $726 to $1,207.
4. Don't automatically get pet medicines from the vet. About two-thirds of the pet owners CR surveyed for this report said they buy their pet medicines from the vet who prescribes them. That's often a mistake because vets' markups over wholesale start at 100 percent and frequently hit 160 percent, plus a $5 to $15 dispensing fee. If your pet is taking a medication that's also prescribed to humans, as is often the case, you might be able to have the prescription filled inexpensively at a chain drugstore, supermarket pharmacy, or big-box retailer.
Walgreens, for example, allows customers to enroll their pets as family members in its Prescription Savings Club. Another option is to shop at one of the Veterinary-Verified Internet Pharmacy Practice Sites accredited by the National Association of Boards of Pharmacy. Eleven such sites currently exist, including 1-800-PetMeds, Drs. Foster & Smith, KV Vet Supply, and PetCareRX.
5. Think twice before you buy pet health insurance. If you're the kind of person who would do almost anything for your pets, insurance can seem like an attractive option. For monthly premiums of less than $10 to more than $90, the insurers promise to pay a portion of your pet's bills for medical and surgical treatment, and depending on the policy, some other types of care. You pay the vet up front, file a claim, and wait for reimbursement. CR analyzed policies marketed by insurers representing roughly 90 percent of the pet-insurance market. None would have reimbursed more than the premiums they charged for a basically healthy dog over a 10-year life span. Only when CR looked at extreme and uncommon situations involving two very sick cats did all the policies pay out more than a pet-owner would have paid in.
For most people, CR advises they budget for routine care and put a few hundred dollars each year for more serious health problems into their household emergency fund.
6. Take simple steps now to prevent costly health problems. Brushing your dog's teeth with chicken flavored toothpaste or your cat's with the fish-flavored variety might seem silly, but it's a preventive measure that can be beneficial. Tooth plaque can lead to periodontal disease in pets, which, in turn, can cause kidney and lung disease.
Other smart preventatives: Spaying reduces mammary tumors in female animals, and neutering might reduce aggression as well as some diseases in males. Keep shots current, but don't over-vaccinate; the core vaccines are needed every three years, not annually. Keep dogs leashed and fenced in for the protection of the animals and your neighbors. Try not to overfeed your pet: Obesity rates in cats and dogs mirror those of humans these days. Being significantly overweight can lead to arthritis and diabetes for your pet and huge prescription bills for you.
For more information, please visit www.cunsumerreports.org.
July 6, 2011 2:53 pm
For many drivers, a few simple lifestyle or habit changes can drastically affect the rates we pay for car insurance, according to Certified Financial Planner Joel Ohman.
“Even if you have recently checked for the best available rates,” Ohman says, “the rates change all the time. You need to be vigilant about checking regularly —and there are several ways to save money that every insurance buyer should know.”
Here are Ohman’s seven possibilities for cutting car insurance costs:
• Drop coverage you no longer need – Just as adding a teen driver may up your rates, moving to a less busy zip code may reduce them. Check with your agent after any family or lifestyle change to see if any part of your coverage may be dropped.
• Search for discounts – New discounts pop up all the time. Check online with competing companies every six months or so to see if you qualify for any of them.
• Improve your credit score – Car insurance rates are affected by credit score. If you’ve been working to improve yours, check with your agent to see how better scores may affect your rates.
• Pay premiums with a credit card – Paying your premiums with a cash back credit card can help you shave between one and five percent off your car insurance rate, depending on how much cash back your credit card offers.
• Tell your kids to keep their grades up – Just about every insurance company offers some kind of good student discount. If your kids get good grades, you save money. You can even pay the kids some of the money you saved as an incentive to keep up those good grades.
• Take a driving course – Check with your carrier to see what courses they recommend that will result in reduced premiums—like a 55 Alive driving course for seniors, or a defensive driving course open to all.
July 5, 2011 4:23 pm
Q: Are there tax credits for first-time homebuyers?
A: Yes, thanks to the many city and county governments that offer Mortgage Credit Certificate (MCC) programs, which allow first-time home buyers to take advantage of a special federal income tax write-off. The credit reduces the amount of federal taxes paid by the buyer each year, if he keeps the same loan and lives in the same house.
An MCC also makes it easier for eligible buyers to qualify for a mortgage loan. The lender can reduce the housing expense ratio—the percentage of gross monthly income applied toward housing expenses—by the amount of the tax savings. Normally, lenders reject loans if the housing expense ratio is too high.
Program requirements for MCCs vary, although most adhere to the following guidelines:
• The buyer must live in the home being purchased with an MCC-assisted mortgage.
• Total household income cannot exceed certain limits.
• The buyer cannot have owned a principal residence within the past three years. This restriction may be waived if a property is purchased within a certain targeted area.
• The purchase price must fall within an established limit.
More information is available by calling your local housing or redevelopment agency, or contacting your real estate agent.
July 5, 2011 4:23 pm
CC&Rs. Stands for covenants, conditions and restrictions. They are the rules by which a property owner in a condominium agrees to abide.