Monthly Archives: November 2017

Change A Light, Change The World With Energy Star

Most people want to do their part to help reduce greenhouse gas emissions and save on their energy bills, but don’t know what they can do. Using energy efficiently at home is an important start; and, it can be as easy as changing a light bulb. The Environmental Protection Agency (EPA) and Department of Energy (DOE) are calling on Americans to join the growing number of individuals switching their current lighting to energy-efficient light bulbs and fixtures.

Many people don’t realize it, but the average home is responsible for twice as many greenhouse gas emissions as the average car. In fact, if every American home replaced its five most frequently used light fixtures or the bulbs in them with ENERGY STAR qualified ones, the amount of greenhouse gases we could prevent is equivalent to the emissions from more than 8 million cars. Not only does energy-efficient lighting help protect the environment, but it also saves consumers money since lighting accounts for nearly 20 percent of home electricity costs. Each home making this “5 light fixture change” could save about $60 a year in energy costs.

As part of the annual ENERGY STAR Change a Light, Change the World Campaign, the EPA and DOE have declared Oct. 4, 2006 “ENERGY STAR Change a Light Day.” Americans are invited to take a pledge online at energy star.gov/changealight and commit to replace at least one incandescent bulb or fixture in their home with one that has earned the government’s ENERGY STAR for energy efficiency. Individuals who have pledged are already having a dramatic combined impact. Pledges taken in 2005 alone will result in the reduction of 33 million pounds of greenhouse gas emissions. The goal is to encourage at least 500,000 individuals to join the community and take the ENERGY STAR Change a Light Pledge. This is a step in the right direction, to ensure that our children have a bright future ahead.

ENERGY STAR is a government-backed program helping individuals and businesses save energy and protect the environment through superior energy efficiency.

Building Long-term Energy Savings Into Your Home

While new homes are 100 percent more energy efficient today than those built three decades ago, most people are not familiar with how to actually design energy savings into the infrastructure of their home.

Here are a few ways to save energy in your home:

* Windows and doors: Today’s architecture takes advantage of increased window space and elaborate entry systems. This style enhancement certainly adds to the appeal of a home, but it increases the importance of having energy-efficient windows and doors.

On average, a household spends nearly 50 percent of its annual energy costs in heating and cooling. You can reduce this expense by up to 15 percent by using energy-efficient windows and doors, which help decrease the transfer of heat. Start by looking for products that have the Energy Star label. This label identifies products that meet the strict energy-efficiency guidelines set by the U.S. Environmental Protection Agency and the U.S. Department of Energy.

* Construction materials: Wood or vinyl (for windows) and steel (for doors) offer high energy efficiency. For windows, dual-pane insulating glass units and low-emissivity glass also increase the products’ energy efficiency. For steel doors, look for a polystyrene core, which helps the door retain its energy-saving properties longer than steel doors with a polyurethane core.

Rest assured, however, that you will not have to forgo style and beauty when seeking energy efficiency. Many manufacturers, such as Jeld-Wen Windows and Doors, offer a variety of Energy Star-qualified products that are attractive, durable and provide superior performance. In fact, upgrading windows and doors is a great way to build energy savings into your current home.

* Insulating your home: In addition to diminishing heat transfer through windows and doors, you can ensure even temperatures in the home by selecting proper insulation. Well-insulated homes can save up to 30 percent on heating and cooling costs. Pay attention to the R-values used to rate the energy efficiency of insulation – a higher R-value indicates a better ability to resist heat flow, meaning that it is more energy efficient.

* Heating and cooling engines: Installing oversized heating or cooling equipment is a common practice to provide customers with immediate results. However, oversized equipment is not necessary if your home is designed to conserve energy; it will only add to the growth of your energy bill.

Visit a local home improvement center to learn more about heating and cooling options.

Getting Free Online Car Insurance Quotes

In the event that you are searching for nothing on the web auto protection cites, at that point you are in for a charming amazement. There are such a significant number of sites everywhere throughout the Internet that offer this administration totally for nothing. Actually, you just would not have to pay any kind of charge to get hold of these quotes! Likewise, you have two contrasting options to look over when you are hunting down online auto protection cites for nothing. The principal choice here is to look through the official sites of insurance agencies. This procedure takes moderately longer since you should visit one site to another, until the point that you have your fill of auto protection cites. The other option is to locate a solid site that can do the examination for you.

The second choice is in reality better, you know. There are numerous sites that can lead an examination on free online auto protection cites for you. With this administration, you never again need to move starting with one site then onto the next. Likewise, there would be just a single frame for you to round out. When you move starting with one site then onto the next, you should round out a shape for every site, which can be to a great degree overwhelming. With only a solitary shape to round out, there is considerably more comfort in this alternative.

Furthermore, the best sites that offer examinations of accident coverage additionally have specialists that you can counsel. These specialists will most likely have fair-minded assessments with regards to their surveys of the distinctive auto insurance agencies. This is not something you can get from going to the official sites. Their protection specialists would most likely advance the administrations of the organization they work for. In this manner, it would be such a great amount of better to simply go for correlation sites when in look for nothing on the web auto protection cites.

When you get hold of these auto cites, you would then be able to begin narrowing down your decisions. This is imperative, particularly when you need to get the least expensive auto protection rate conceivable. Obviously, you need to recollect that nature of the accident coverage design should in any case be organized over its cost.

It is likewise essential to search for the rebates that you are qualified to appreciate. There are various rebates to keep an eye out for. For one thing, you get a markdown for having against burglary caution frameworks introduced in your auto. You additionally get rebates for the wellbeing components of your auto, for example, air sacks and non-freezing stopping devices. Search for such data when you get hold of free online auto protection cites, to spare more cash.

Credit Cards For Bad Credit

Applying for and getting credit cards for bad credit can actually end up being quite helpful to consumers if they are used correctly. The following are a couple of great reasons why getting a credit card especially for those with bad credit can be a wise idea.

Credit cards for bad credit can help people keep track of their spending habits. Most credit cards designed for consumers with not so healthy credit send detailed reports of what is being purchased with the credit card. This is really a fantastic way to find out exactly what you are spending your money on each month and then decide what can be cut out. More responsible spending habits are a great practice for consumers no matter what their credit history may be.

Credit cards for bad credit generally fall into two categories. The first is a credit card that has a maximum limit to the amount you can charge. For example a consumer with bad credit may be able to apply for a credit card with a $1000 limit. This can help the consumer from over spending and getting into a financial bind that they cannot get out of.

The second of the credit cards for bad credit is the secured credit card. These credit cards involve the consumer making a small deposit onto the credit card in order to use it. Some cards will increase your spending limit if good spending practices occur while others you can simply only spend what you put onto the card. Either way it is a great way to be responsible with your money and start rebuilding your credit.

These are just two of the great reasons as to why it is not a bad idea to look for a credit card tailored to those with bad credit. Credit cards for bad credit can be the first step in taking the needed steps to restore your credit to good health.

The Search for Cheap Car Insurance Quotes

It is safe to say that you are one of the many individuals hunting down shoddy auto protection cites? There are such a significant number of advantageous strategies that you can utilize in hunting down such quotes! The Internet is the essential road that you can utilize when you are hunting down these quotes. Tragically, there are a huge number of Americans who don’t generally take the time and the push to think about protection cites. Most Americans simply go up against the first or second protection arrange for that they go over.

This ought not be the situation since it is imperative to direct correlations while scanning for accident protection. Leading a correlation would not just present to you the least expensive auto protection cites. This will likewise enable you to get the best protection arrange for that suits the greater part of your needs.

All in all, what would it be a good idea for you to would when you like to get modest auto protection cites? As specified, it is vital to think about quotes that you can get from the numerous accident protection organizations that offer such plans. The second thing to do is to you go for the most astounding deductible that fits your financial plan. You may think getting the most noteworthy deductible would mean more installments for you. As a matter of fact, when you get the most astounding sum, there’s more investment funds in store for you, particularly where premiums are concerned.

Ultimately, you should endeavor to get all the conceivable rebates that you can get. Figure out which rebates you are qualified for, and endeavor to get every one of them.

As said over, the Internet has turned into the essential hotspot for leading examinations for accident protection rates. Be that as it may, how precisely would it be advisable for you to approach contrasting quotes? You really have two choices here. The first is you can bounce from the official sites of one insurance agency to another. The second alternative is you can discover a site that works in the correlation of auto protection offers, with the goal that you can profit of their administration immediately.

To guarantee that you will get shoddy auto protection cites, it is smarter to utilize the site that gives protection examination. There is much accommodation with this choice since you never again need to bounce starting with one site then onto the next. The site you pick here would be your one-stop shop. Also, you should round out just a single frame, and you will then be given accident coverage cites from different organizations. Also, you can contact protection specialists from these destinations who will give you impartial responses for the greater part of your needs and request. Along these lines, you are then certain to get shoddy auto protection cites all the more advantageously.

Anatomy of a Mortgage

Mortgages were the original home loan agreement. In many ways, the mortgage changed the real estate market completely and turned it on its head in a very good way. Before the advent of the mortgage, the only way for people to go out and get what they wanted in terms of property was to pay for it outright. Since very few people possessed the means back then to pay for property outright, the ownership rights were only there for pretty much the upper middle class and the upper class people; the middle class downwards were excluded from this very important thing. Mortgages changed all of that and to understand how profound a mortgage is, it is important to take a close look at exactly what a mortgage entails.

Agreement

The agreement for a mortgage is one that is the main point of everything else that follows. Under the agreement of a typical mortgage, the person has the ability to borrow money from the bank in order to pay for a house or a property. The amount of money they can borrow varies, but for the majority of banks it usually resolves itself towards being around 95% of the actual quoted value of the house. In exchange for getting this very large loan, the person then agrees to put the house up as collateral against that loan, so that the bank has some way to save itself in the event that the person is unable to pay that loan back.

Interest Rates

Now, whenever people think about loans, very likely the first thing that they think about is interest rates. There are a number of different interest rates involved in different loans, but when you compare the vast majority of them to what is available under a mortgage, what you find is that the vast majority of those interest rates don’t really match up. The average mortgage has an interest rate attached to it between 5% and 7% and the vast majority of loans that are available on the marketplace today, even if they happen to be secured loans, really can’t match up.

Repayment Terms

Just like with the interest rates, the repayment terms for a number of different mortgages are very impressive when put up against a number of other conventional loans. When you’re talking about unsecured loans (i.e. credit cards), then obviously there’s going to be no contest, but for the most part you will find that mortgage repayment terms are significantly easier to deal with than with most other loans. This is because (a) the collateral being used is extremely strong and (b) the term lengths are longer, so naturally that makes the monthly payments smaller.

Fees

There are some fees for mortgage payments relating to things like late payments and underpayments, but you will find for the most part that fees are not really that important in the grand scheme of the agreement itself. It is important to be aware of what fees are there, but most of the time you will see that they aren’t that big.

Are Business Buyer Notes Profitable?

Like anything else, it depends on the type of business you’re selling. Business buyer notes are documents secured by a business, much like a mortgage broker except there is no real estate involved. Often, personal property like cooking equipment, furniture, and office equipment obligates one individual or company to make payments, usually monthly, to another person or company. Businesses are sold without the help of bank financing; this makes it much easier for a person to buy a business with a small down payment. Because the down payment is small, most banks will not finance the remaining balance, so the seller {owner} agrees to hold a “note” on the remaining balance for the buyer. This is called seller-financing or owner-financing. The buyer then agrees to pay the seller a monthly payment. The person holding the note however does not want to wait that long to receive all the money from the business, so he or she looks for a someone to buy all or part of the note being held.

Business buyer notes can be a good asset because the holder of the note can get cash in hand from an interested buyer and there are a lot of company’s willing to buy business notes. The note holder may choose to sell all or part of the note and receive a lump sum for the cash he or she needs to pay off bills, go on vacation, or to buy another business, while still receiving monthly payments from the one who bought the business. The holder may also want to sell the note to get out from under the responsibility of the business. Most business owners really don’t want to be note holders but in order to sell the business quickly the note was agreed upon. A drawback to being a business note buyer is when future payments are sold for cash, the current balance is always sold at a discount. The reasons behind this is time erodes the value of money, and the payee is paying the owner over time. Another reason business buyer notes are sold at a discount is because personal property and office furniture does not provide the same degree of safety that real estate does. Also the interest rates on business buyer notes are not high enough to interest investors to purchase these notes unless it is sold at a discount price.

If you are interested in purchasing a business buyer note it’s probably a good idea to contact a service that will help you in these matters. First there needs to be an assignment of the security instrument and receive the endorsement of the promissory note. The service you hire in this matter will examine all aspects of this transaction, and verify all notes in question, plus they will of course record all of the necessary documents for your records. It all depends on the nature of your agreements with all involved whether your business buyer notes are assets or not.

Annuities for Retirees: What to Consider Before You Invest

Annuities can be purchased directly from an insurance company or from other financial institutions (including banks) that act on behalf of the insurance company. In exchange for your investment, the insurer agrees to make periodic payments for a set time period. It’s important to remember that some annuities may lose value. These products are not insured by the FDIC or the FDIC-insured bank or savings institution that may offer them.

There are different types of annuities. A “fixed annuity” provides a fixed payment, often monthly, until the investor dies. It typically guarantees no loss of principal (the amount invested). A “variable annuity” also guarantees payment for a set period, but the payment amounts will fluctuate based on the market performance of the investment option you choose. With a variable annuity, you also risk losing principal as well as earnings, although some variable annuities guarantee the return of your initial investment for an additional fee.

If the income payments are deferred to some later date, the annuity is typically described as a “deferred annuity.” If the payments begin immediately and continue for life, the annuity may be referred to as an “immediate life annuity.”

On the plus side, annuities provide another investment option if you’ve reached your contribution limit on your other retirement accounts, such as 401(k) plans. And, at retirement, the guaranteed payments can provide extra income. But, as with any investment, be aware of the potential pitfalls and make an informed decision.

Know the key features and costs of the product and make sure they fit your needs. Read the literature to understand the most important facts and risks, including the potential for loss, if any.

“A sales representative who talks to you about purchasing an annuity is required by federal law to ask you questions about your investment goals, current finances and future retirement plans,” said Kara Ritchie, an FDIC Policy Analyst who specializes in consumer issues. “If the representative doesn’t discuss whether the product is suitable for your needs and goals, take your business elsewhere.”

Experts generally say that annuities with guaranteed principal and income are more suitable for older investors than annuities that may, through market performance, lose value. The latter include variable-rate, deferred-payment annuities and equity-indexed annuities (those tied to the stock market), which might not make sense for many investors close to or in retirement.

Car Insurance is the Law in Canada

In each Canadian area and region, regardless of whether you are a first time driver or a senior driver, it is the law to have auto protection when you drive your vehicle. On the off chance that a driver is pulled over by the police, or in an auto crash, and found not to have auto protection, the implications can be not kidding. Fines can be serious, negative mark focuses will be connected to the driver’s record, the driver’s permit might be suspended or drop, and the auto may even be seized and a considerable fine might be given before one can get the auto returned.

In the event that you are engaged with a pile up and you don’t have auto protection, you get yourself genuine monetary turmoil. For example, if another driver is truly harmed and their auto is extremely harmed, you might be capable to pay their medicinal costs, vehicle repairs, another vehicle, or the driver might be granted reformatory harms. It could bring about monetary harms of a huge number of dollars. You will likewise be in charge of your own legitimate expenses and additionally the other driver’s lawful expenses.

Too, on the off chance that you don’t have protection, you will be unable to stand to pay a legal counselor to speak to you if the other driver is found to blame for the mischance. In a few areas there is a topped sum for the measure of remuneration that one can get. For instance, in Nova Scotia, the topped sum for torment and enduring is $2,500. Torment and enduring cases are not some portion of cases for loss of wage, restorative costs, and harm to property.

Having auto protection will ensure you against money related obliteration. Two essential sorts of auto protection scope are Liability and Collision Coverage. In Canada, risk is required in each domain and territory. This kind of protection covers you if another driver, someone else’s property, and the other driver’s auto is harmed in case of a mischance. Crash scope will cover you if your auto is harmed in a mischance as the consequence of an impact. Impact is not compulsory in Canada but rather is suggested for drivers with costly autos.

There are various criteria that insurance agencies contemplate while deciding the protection premium for a specific driver. Drivers with a spotless driving record will pay less for their protection since they are viewed as okay contrasted with drivers that have a background marked by speeding and other petty criminal offenses. Teenager drivers are viewed as ‘high hazard’ since they are less experienced. Be that as it may, most insurance agencies will offer rebates for high schooler drivers who keep up a particular school review normal or have taken a driver preparing program.

Too, there are different rebates any driver can exploit, for example, hostile to robbery gadget markdown, a markdown on the off chance that one is an individual from an auto club, multi vehicle rebate, “green” vehicle markdown, rebate for keeping up low mileage, and the sky is the limit from there. It is imperative to ask your insurance agency what rebates they offer. Too, the make, year, and model of the auto will influence the cost of protection premiums.