Gunning Daily News
June 7, 2011 5:19 pm
Amortize. Pay a debt in monthly or other periodic installments until the total amount, along with the interest, if any, is paid.
June 7, 2011 5:19 pm
School is ending for the year in cities throughout the country and summer will be an exciting time for kids. What are your child's plans? Will he or she be spending time home alone or going to local parks and swimming pools with friends? Actor Tim Kang from the CBS show The Mentalist has partnered with The National Center for Missing & Exploited Children to let parents know the ten things they can do to help keep their children safe this summer.
"As a new dad, I am more aware than ever of the dangers that children face. Parents need to understand that it only takes a few minutes to teach their children about safety. And those few minutes of conversation could mean the difference between life and death," says Kang. "The National Center for Missing & Exploited Children has great resources to help parents talk to their children including the following ten things they can do to help keep children safe this summer:
1. MAKE SURE children know their full names, address, telephone numbers and how to use the telephone.
2. BE SURE children know what to do in case of an emergency and how to reach you using cell phone or pager number. Children should have a neighbor or trusted adult they may call if they're scared or there's an emergency.
3. REVIEW the rules with your children about whose homes they may visit and discuss the boundaries of where they may and may not go in the neighborhood.
4. MAKE SURE children know to stay away from pools, creeks, or any body of water without adult supervision.
5. CAUTION children to keep the door locked and not to open the door or talk to anyone who comes to the door when they are home alone.
6. DON'T drop your children off at malls, movies, video arcades or parks as these are not safe places for children to be alone. Make sure a responsible adult is supervising younger children any time they are outside or away from home.
7. TEACH your children in whose vehicle they may ride. Children should be cautioned to never approach any vehicle, occupied or not, unless accompanied by a parent or other trusted adult.
8. BE SURE your children know their curfew and check in with you if they are going to be late. If children are playing outside after dark, make sure they wear reflective clothing and stay close to home.
9. CHOOSE babysitters with care. Obtain references from family, friends, and neighbors. Many states now have registries for public access to check criminal history or sex-offender status. Observe the babysitter's interaction with your children, and ask your children how they feel about the babysitter.
10. CHECK out camp and other summer programs before enrolling your children. See if a background screening check is completed on the individuals working with the children. Make sure there will be adult supervision of your children at all times, and make sure you are made aware of all activities and field trips offered by the camp or program.
"Child safety is important all year, but summer is an especially important time for parents and children to include safety in their activities," says Ernie Allen, President & CEO of NCMEC. "Always listen to your children and keep the lines of communication open. Your children are your best source for determining if everything is okay. Teach your children to get out of dangerous or uncomfortable situations right away and practice basic safety skills with them. Make sure they know they are able to tell you about anything that makes them feel scared, uncomfortable, or confused."
NCMEC also recommends that parents be sure all custody documents are in order and certified copies are available in case your children are not returned from a scheduled summer visit. For additional safety tips and information visit www.missingkids.com or www.netsmartz.org.
June 7, 2011 5:19 pm
Rebuilding Together— the a leading nonprofit working to preserve affordable homeownership—is teaming with Sears for its inaugural "Studs to Roof" project, a series of major home renovation projects for low-income homeowners located across the country. Former U.S. National Guard veteran, Lee Walker, is the first homeowner to receive a "Studs to Roof" makeover on his home. Rebuilding Together Northwest Arkansas, an affiliate of Rebuilding Together, has engaged local volunteers, sponsors and leaders to work with Sears on the Walker home.
Lee Walker was seriously injured this past January when a tornado destroyed his family's home and threw Walker and his daughter, Jaylee, from their home. Lee suffered a broken back and two broken legs, and has undergone multiple surgeries and intense physical therapy since the tragic accident. The Walkers' home completely collapsed under the tornado's force and his family is now faced with not only needing a home, but one that is adapted to meet Mr. Walker's needs.
The "Studs to Roof" initiative is rooted in Rebuilding Together and Sears' successful Heroes at Home program, which serves the nation's veterans by completing critical renovations in their homes. "Studs to Roof" will serve military veterans, rebuilding the home from its studs to create a residence that meets the homeowners' critical needs. In addition to the Walker home, three additional "Studs to Roof" homes are planned through October, including the final project in Washington, D.C., which will mark the 1,000th veterans home completed by Rebuilding Together.
"Studs to Roof is a great program that will serve injured and suffering veterans on an entirely new level—we will be able to address all of their home challenges and inconsistencies to deliver affordable housing stock that provides safety and longevity to our fellow neighbors who have given so much to their country," says Gary A. Officer, president and CEO of Rebuilding Together.
Sears' DIT Traveling Toolbox—a toolbox packed with an assortment of Craftsman power and hand tools—will help to complete the work on the Walker home.
"We look forward to expanding upon our work with Rebuilding Together to go beyond home renovations and supporting our military veterans and families with homes built from 'Studs to Roof,'" says David Friedman, SVP and president of Marketing, Sears Holdings. "The Walkers are an example of the many families who have been impacted by devastating storms this year and through this project and hundreds of others, Sears can continue to give back and help these families and communities recover."
To learn more about Heroes at Home, "Studs to Roof" and Rebuilding Together, visit www.RebuildingTogether.org.
June 7, 2011 5:19 pm
An early summer heat wave has hit regions of the Northeast, Southwest and Gulf Coast, causing many residents to turn to their air conditioners for relief. The early heat has caused the July natural gas wholesale exchange contract to jump to a 10 month high.
MXenergy, one of the nation's leading independent energy providers, advises homeowners to be prepared for not only higher electric bills but higher natural gas costs as well.
"What many people do not realize is the number of electrical plants powered by natural gas," says Jeffrey Mayer, MXenergy President and CEO. "In addition, many nuclear power plants happen to be down for maintenance, placing natural gas power at an even greater premium."
While higher summer temperatures are naturally to be expected, the early onset of above average temperatures across the country has directly impacted natural gas prices.
"After projecting a cooler season, forecasters have been surprised by the wave of fierce heat across the Southeast," says Blas Pina, MXenergy Derivatives Director. "This will have an impact on electricity prices since most power generation is now fired by natural gas, so we can expect natural gas prices to go up in response to the air conditioning demand brought on by record heat."
Opinions among national weather experts are varied as to what the summer of 2011 will actually bring. Many are actually predicting cooler than average temperatures for June through August while others anticipate average or above average temps for most of the country.
"Obviously weather is highly unpredictable," says Mayer. "However, if these higher than normal temperatures continue, homeowners will continue to feel the sting of high costs."
For more information about MXenergy please visit www.mxenergy.com.
June 7, 2011 5:19 pm
Your RIS Consumer Confidant learned that the Connecticut Department of Public Health (DPH), and the Connecticut Association of Realtors (CAR), recently produced a resource guide for homeowners and prospective homebuyers, as well as landlords and tenants, about environmental hazards that may affect their residential property.
But the guide is by no means Connecticut exclusive, and similar initiatives are likely to be springing up with realty associations and health agencies across the country as news of the New England project begins to get around.
Gene Fercodini, President of the Connecticut Association of REALTORS®, Inc. says healthy homes build strong communities and this publication gives homeowners the resources they need to ensure that they are maintaining as healthy an environment as possible.
The guide, titled “Environmental Hazards in the Home: A guide for homeowners, homebuyers, landlords and tenants,” has two parts.
The first presents information about what you need to know before you buy a house, and is geared towards buyers and sellers. This part provides important information about environmental conditions such as asbestos, electric and magnetic fields, lead, and radon.
The second part, “What You Need to Know after the Home is Occupied,” is a resource for owners, tenants, and landlords, and covers such topics as allergens and asthma, carbon monoxide, injury prevention and safety, and household hazardous waste.
The guide was produced as part of Connecticut’s Healthy Homes Initiative, a holistic and comprehensive approach designed to address the connection between housing and health. To download or review the report, just visit www.ct.gov/dph.
June 6, 2011 5:19 pm
Q: Can I split my mortgage in two and pay biweekly?
A: The biweekly mortgage has become increasingly popular as more people favor paying off their home loan early and reducing interest charges.
Monthly payments on these loans are split in half, payable every two weeks.
Because there are 52 weeks in a year, you actually have 26 half-payments, or the equivalent of 13 monthly payments per year instead of 12.
June 6, 2011 5:19 pm
Air rights. Right to occupy and use the open space above a parcel of land or property, such as in the leasing of air space over existing buildings or highways.
June 6, 2011 5:19 pm
Should homeowners worry about mold in their homes during the summer months? The answer is an absolute "Yes," according to Steve Leger, executive vice president of operations for PuroClean. "Mold can grow almost anywhere there is moisture," says Leger. "And it grows on almost anything: paper, cardboard, ceiling tiles, wood, fabric, insulation, even dust. It can cause serious damage to a family's home and health if the homeowner doesn't take steps to control and deal with it quickly and effectively."
According to the Centers for Disease Control (CDC), the key to both preventing and remediating mold in the home is controlling moisture. Mold cannot grow without moisture, so a homeowner needs to identify and control moisture sources in the home to prevent the spread of mold.
During the warm summer months, the experts from PuroClean advise homeowners to keep an eye on these seasonal sources of moisture and take steps to control or eliminate them:
• Air conditioner drain pans
• Condensation caused by high indoor humidity or overly cold indoor surfaces
• Outdoor sprinklers set to allow the spray to hit the walls of the home
• Unvented kitchen and bathroom moisture
• Clothes dryers that vent indoors or wet towels and clothing left to dry indoors
• Overwatering house plants
• Moisture from human sources (sweat, wet hair, breath)
"These less-obvious moisture sources can be as dangerous as the typical leaks, spills and flooding that most homeowners recognize as potential breeding grounds for mold," says Leger. "Mold causes a hazard wherever it grows indoors, so homeowners need to be vigilant about controlling indoor moisture."
PuroClean professionals specialize in property emergency services and can help homeowners overcome the devastating aftermath of property damage caused by water, fire, mold and other conditions, according to Leger. When the damage is caused by water—whether from an indoor leak, flooding, or violent summer storms—technicians work quickly, professionally, and in accordance with restoration industry standards to ensure that the home is dried quickly and completely. This is the best way to help guard against the occurrence of mold.
"Homeowners need to understand how prevalent mold is and how easy it is for mold to find a foothold in the home," says Leger. "While we can help a homeowner deal with mold after a flood or other disaster, the homeowner needs to stay on the alert to identify and correct everyday sources of moisture before mold has a chance to grow."
For more information please visit www.puroclean.com.
June 6, 2011 5:19 pm
Musty smelling, bare-walled, vandal-prone properties just don't sell.
Last year of the estimated 130 million housing units in the United States, 11.3 percent or some 14 million stood vacant according to the U.S. Census. A large portion of these houses are vacant and for sale, leading to a glut of vacant houses crowding the market.
Showhomes Home Staging is a franchised business with a twist: the company uses live-in Home Managers to manage vacant houses while they are on the market for sale and offset a homeowner's expense to stage the home.
Here are five reasons a vacant house is hard to sell from Showhomes Home Staging:
1. People don't simply buy houses; they buy the next chapter of their lives.
This is an emotional experience and emotion influences what people buy and how much they will pay. Vacant houses are devoid of life, and the chance to make an emotional connection is lost.
2. Vacancy distracts buyers from looking at the house itself.
They wonder: "Is this a divorce? Why did they move out? Are they selling because they have money problems? Is this home hard to sell?" They'll make a low-ball offer, thinking the owner is desperate.
3. When a house is vacant, buyers focus on flaws.
They look at nail holes, carpet wear and gaps in the molding rather than how the space works. In a vacant house, floors, walls and ceilings are all buyers see. This drives the price down.
4. People can't visualize how furniture fits.
An empty bedroom might appear awkward or a living room might seem cavernous. Some spaces might confuse buyers because a use is not obvious. Buyers are derailed and move on to the next house.
5. Vacant houses don't show as well as staged and occupied homes.
Without people, even the best house quickly looks and smells vacant. Dust settles, leaves scatter, and stale odors spread. These cues often shorten the showing time, leading to fewer sales.
"Homeowners don't realize how much harder a vacant house is to sell," says Matt Kelton, Showhomes' COO. "In today's market you have to win the beauty contest to sell your home."
For information please visit www.showhomesfranchise.com.
June 6, 2011 5:19 pm
Total housing starts in California—as measured by the number of building permits issued this spring—climbed slightly more than 9 percent over last year, according to the California Building Industry Association.
Permits have been pulled for 9,360 new housing units, primarily in the multi-family sector, says Mike Winn, president of the California Building Industry Association. “The modest recovery we were hoping for seems to be getting back on track,” Winn observes. “As the economy slowly improves and employers begin to add more workers to their payrolls, we expect to see construction pick up as consumers begin to regain their confidence in the housing market and create a greater demand for new homes.”
In Orange County—after two years of virtually no new home-building—at least 3,000 new homes in 28 separate tracts, are now under construction and expected to be ready by next fall.
“Builders are coming out of hibernation,” notes Irvine-based housing consultant John Burns. “Builders are an optimistic breed, and they are cautiously optimistic now, gearing up because it takes the best part of a year to get ready for a recovering housing market.”
The increase in new home construction also signals a shrinking inventory of unsold existing homes. In Northern California’s Santa Clara County, for example, the inventory has shrunk to 50 days from 243 a year ago, according to estimates from the California Association of REALTORS®.
“This is just another sign that the state may be coming out of the worst housing slump in decades,” says San Francisco Realtor Jim Wall.
Although most home prices remain well below their pre-bust highs of three years ago, California’s housing market has shown signs of stabilizing, according to the state association. Home prices are rising slowly in many areas as the state shakes off its high unemployment rate and foreclosure rates decline. The median price of an existing single family home has risen 8.4 percent from a year ago.
California’s housing market is closely watched because it is the nation’s largest and helps fuel both the state’s economy and the national building industry.