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Cheap Ways to Remodel Your Bathroom

Some people view remodeling as a major effort, and wallet depleting act that  will leave you tired and broke. Fortunately, that is not the reality of  remodeling, which is why today, more than ever before homeowners are taking on  the tasks of do-it-yourself jobs, like remodeling the bathroom or kitchen, or knocking down some walls to create a larger,  more open space. Here are a few ways to inexpensively remodel your bathroom,  without breaking the bank.

1. Lighten Up! If your room is drab or plain, a great and cheap way to spruce it up is to add some color, and a new paint job. This is an extremely  cheap way to get a new look, and add some life to your bathroom. Just be  cautious when choosing your new color, because the darker the color, the smaller  your room will look. So, while you may love the rich maroon color, if you have a  small bathroom, it’s going to appear even smaller with the darker paint. On the  flipside, if you have a small wash room, and decide to try a lighter color, like  a pale yellow, you will automatically notice the drastic change in the amount of  space it feels like.

2. Keep it neat! Though, it might sound like a reminiscent argument  between you and your mother when you were a child to clean up your room, it  really is important. If a space is neat and clean, it’s going to look bigger,  and you’re going to feel happier with the space. If it is cluttered and messy,  you’re not going to feel pleased, and it’s going to make the space seem tighter  and more restricted. If you’re lacking storage space, try investing in a new  piece of furniture, like a vanity. They are great ways to update your room while  also providing ample storage space, making it a breeze to keep your space neat  and uncluttered.

3. Do it right! Upgrading your bathroom can really make a huge difference in  the overall appearance of your room. Everyday, we use this space, and it’s  important that we appreciate it and are happy with it. If you can start your day  off on a better note, by having a great jetted bath or tub, you should do  it.

Article courtesy of http://EzineArticles.com/1566175

How To Store Firewood For The Winter

Firewood is a good alternative to other home heating methods. The storage of firewood is important to protect both your home and investment. You must have the appropriate space and equipment to access and care for your firewood.

1. Wood Shed

Choose your storage location wisely.

The key to keeping firewood seasoned and dry is to allow for air circulation. The most ideal place for firewood is an open ended wood shed that allows for stacking off of the ground.

Remember to choose a location that gives you easy access. On the coldest day of winter, how far will you have to go to get the firewood?

2. Fireplace Log Rack

It may be tempting to keep firewood inside of your home but be very careful. Inspect wood thoroughly for bugs before you bring it inside.

It is okay to have a small log rack near your fireplace to stack wood that you are currently using. But keeping large amounts of wood inside the house will leave you vulnerable to pests such as termites.

Basements can be used if there are no air connections to the living areas or ways for pests to be transferred from the basement to the living areas. The same with garages.

The absolute best place to store firewood is outside and away from the home.

3. Log Rack

Outside of your house or shed, stack the firewood off the ground. A homemade or store bought log rack should be kept a few inches off the ground. This will keep the wood dry and further protect it from insects. If you put the log racks on the ground (rather than on cement or a patio) it needs to be staked into the ground in order to stay stable. If the log rack begins to lean the whole pile can come falling down.

Log racks should be kept a good 30 feet from the house. Firewood attracts a lot of insects and it is best to keep these pests away from your home. If you don’t have the space to keep the wood far from the home, be sure not to stack the firewood against your home’s wall. Leaving some room will give the firewood better air circulation and give your house a bit of protection.

Tips & Warnings

  •  Use old firewood first. If you have wood left from last winter take it out of your storage area and place the new firewood at the bottom of the pile.
  •  When storing firewood inside of your house on a small log rack, you can treat that area of your floor with insecticides. Be careful if you have pets or children.
  •  Log racks and covers can be purchased at retail stores and online. They are generally sold to hold a cord of firewood or 1/4 cord, 1/2 cord etc…
  •  Do not add insecticide to your firewood. When you burn the firewood inside of your home the fumes can be harmful and dangerous.
  •  In addition to pests, placing firewood against the side of your house will lead to the possibility of staining, rotting, or permanently damaging the siding or wall.
  •  Before burning firewood be sure that your chimney or wood stove is clean and in working condition. Improperly cleaned chimneys can lead to house fires.

Read more: How to Store Firewood for the Winter

 

New Home Sales Rose 5.7% in September

New home sales surged 5.7% month over month to 313,000 in September, which was much stronger than the 300,000 expected by consensus after sales slipped 0.3% to 296,000 the month before. Sales in the south and the west reported monthly gains (up 11.2% and 9.7%, respectively), while the northeast and the midwest saw declines (down 4.2% and 12.2%, respectively).

Total new home sales are down 0.9% from last year, on sharp year-over-year declines in the northeast and midwest (down 34.3% and 14%, respectively). The south was up 9.8% over last September while the west was flat. The months’ supply of homes dropped to 6.2 months from 6.6 months in August, and near the 5.5 to 6 month historic average.

The median price fell to $204,400 from $210,900 in August, and is down 9.9% over last September.

Post courtesy of housingviews.com.

How to Protect Your Home From a Zombie Invasion

If the slew of recent TV shows, movies, and books are any indication, zombies are everywhere these days. So whether they’re fast, slow, or riddled with rigor mortis, here’s a few ways to keep the undead out of your house. But three tips won’t be nearly enough to stop the undead masses, so check out the rest of our zombie-proof strategies at thisoldhouse.com.

1. Install Doors of the Dead


When dealing with old-school, Night of the Living Dead-type zombies (also known as “Romero zombies,” after that 1968 film’s director) keep in mind that—since rapid muscle deterioration is par for the postmortem course—these guys have less muscular strength. One of the simplest ways to combat them is to retrofit your house with stainless-steel doors. Affordable and impenetrable, steel doors can be a living-dead dude’s worst enemy. Best of all, any dents or dings caused by your heathen invaders can be pulled and puttied with an auto-body repair kit. For added security, forgo sidelights or transoms and install triple-point locks.  Zombies friggin’ hate triple-point locks.

2. Make Sure Windows Are Also Walking-Dead-Proof


While the Winchester Pub seemed like the perfect safe house in 2004’s Shaun of the Dead, it didn’t take more than a few broken windows to cause one buzz kill of a safety breach. Houses with tempered-glass windows rated for hurricane zones, or wrought-iron security bars, will be far better off than those with unguarded single-pane windows. Either way it’s never a bad idea to reinforce windows with plywood for maximum zombie protection.

3. Remember: Good Fences=Good Zombie Neighbors

Along with Pittsburgh’s three rivers, the only thing that protected the living from the undead in George Romero’s 2005 film Land of the Dead was a giant electric fence. Well, if it’s good enough for the Iron City, it’s good enough for your house, too. If you can’t afford an electric fence, consider building a tough, tall chain-link, wrought-iron, or cinderblock version (at least eight to twelve feet high) around your property. The local zoning board might take offense, but, seriously, man; this is a zombie invasion. Who cares about zoning? See even more zombie-proofing tips at thisoldhouse.com.

Simple Pumpkin Carving for the Whole Family

I remember, as a child, watching people carve Halloween pumpkins. It was a struggle to cut out the small triangular features with an unwieldy kitchen knife. We didn’t always manage to get the teeth going in the right direction, and some of these jack-o’-lanterns were decidedly more successful than others.

Thankfully, there are now tool kits on the market created especially for carving pumpkins. With these tools to the rescue, carving pumpkins is easier than ever before and, therefore, the designs can be as amusing or enchanting as you wish to make them. You can mix and match pattern shapes or create some of your own — cookie cutters and coloring books are good sources for inspiration.

Although any actual cutting should be left for the adults, there are plenty of opportunities for children of all ages to participate. Going to the pumpkin patch to pick your own pumpkin is a great beginning.

1. Funny Face
For this Funny Face pumpkin cut two ear shapes (one from each side); then when you have completed the rest of the carving, put the tab inserts into the cutout holes and secure with straight pins. A little experience and a steady hand are required for the areas around the eyes. If in doubt, eliminate the teardrop shape directly under the eye to avoid carving the thinner strips. Pumpkins can be scooped out from the top or the bottom. Cut a lid or a bottom candle opening as desired.

2. Galaxy of Stars
Let the stars shine through, and a crescent moon as well, in this Galaxy of Stars design. Cut as many stars as fit your pumpkin and place the carved lantern on the doorstep or in a window to welcome trick-or-treaters.

3. Autumn Leaves
Falling leaves are the inspiration for this Autumn Leaves design. By scattering maple- and elm leaf-shaped patterns at angles, the result is a windblown look that is appropriate for the season.

4. Going Batty
Going Batty describes the cutout designs circling all around this carved creation. Two different sizes fly over the surface. As with Autumn Leaves and Galaxy of Stars, this pumpkin looks equally enchanting from all sides. When not on display, store your carved pumpkin in a refrigerator with plastic wrap covering all the carved areas.

What to Do

1. Choose a pumpkin that is an appropriate size and shape for the design you wish to carve. Tall pumpkins may lend themselves better to faces. For designs with lots of cutouts, look for large, round pumpkins with smooth surfaces. Look for a pumpkin with a flat bottom that will sit upright.

2. Wipe the pumpkin clean with a soft damp cloth and dry.

3. Decide which patterns you want to use, and trace the design — actual size or enlarged or reduced on a photocopier — onto tracing paper.

4. For a lid: Draw a 6-sided lid with a V-shaped notch at the back. This notch will serve as a guide to replace the lid. For a bottom: Draw an opening on the bottom of your pumpkin if you want to sit it over a candle. Be sure to draw the opening large enough so that it will be easy to reach inside and scoop out the contents when cut.

5. Only grownups should do the actual cutting. To do so, cut along the drawn lines for the lid or bottom opening with a sharp paring knife. Keep your non-carving hand away from the blade at all times. If cutting a lid, angle the blade toward the center of the pumpkin to create a ledge that supports the lid. If cutting a bottom, cut straight into the pumpkin.

6. Scoop out the seeds and strings from inside the pumpkin — a good step for kids. Use a large spoon or ice-cream scoop or the plastic scraper scoop that is made for this purpose.

7. Scrape the inner pulp away from the area of the pumpkin that you plan to carve until the pumpkin wall is approximately 1 inch thick. To check the thickness, insert a straight pin into the wall.

8. Tape the patterns to the pumpkin: It may be necessary to cut slashes in the edges of the paper for the patterns to fit smoothly in place.

9. To transfer the patterns to the pumpkin, use a pushpin, corsage pin or the tip of the poker tool to poke holes through the paper and into the pumpkin along the design lines about 1/16 inch to 1/8 inch apart. Make sure that all of the lines have been transferred. Remove paper, and use a pen or dull-point pencil to connect the dots. Save the paper patterns to refer to while carving.

10. Cradle the pumpkin in your lap, and keep the pumpkin saw or small paring knife at a 90-degree angle to the pumpkin while carving. Carve from dot to dot to cut out the pattern shapes; if using the saw, don’t try to slice with it, but saw with a gentle up-and-down motion, not back and forth. It is definitely easier to create smaller and rounded shapes with the saw that is made for this purpose. If an older child wants to help, the saw is much safer than a knife but still requires adult supervision. Do not exert too much pressure or the tools might break. Push the cut pieces into the pumpkin with your fingers. If a large piece becomes wedged, cut it into smaller pieces.

11. If you happen to cut through a pumpkin section by mistake, reattach the pieces with straight pins or toothpicks.

12. Rub all cut pumpkin edges with petroleum jelly to keep it fresh longer.

13. Insert a short column candle, votive or battery-operated light in the pumpkin. If the candle is not in a holder, form a holder from aluminum foil and secure the candle with a few drops of melted wax.

14. If candle smoke blackens the lid, cut a chimney hole in the lid top to vent the smoke and heat and preserve your design.

Post courtesy of RD.com

More pumpkin designs:

http://www.rd.com/images/content/101101/pumpkin_cutout_patterns.pdf

http://www.pumpkinmasters.com/free-patterns.html

http://www.spookmaster.com/pumpkin-carving-patterns-freebies.htm

http://www.pumpkinlady.com/pumpkin-carving-patterns/free-pumpkin-carving-patterns/

 

Five Tips for Your Emergency Fund

Q: I often hear that you should keep three to six months’ worth of living expenses in an emergency fund, and that some people should keep even more. But in a low-yielding environment, that’s an awful lot of money to have sitting in the bank earning next to nothing. Any advice?

A: You’re right–the past few years have brought a negative convergence for emergency-fund investors. A still-shaky economy and uncertain job market have underscored the importance of building a cash cushion to cover your costs in case of job loss or big, scary, unanticipated expenses such as medical bills or home repairs. At the same time, available yields on emergency-fund-appropriate investments have shriveled to next to nothing.

What to do? Here are some tips:


1. Customize, based on your own situation.

 

Three to six months’ worth of living expenses is a reasonable starting point when setting your emergency fund amount. But think of it as just that: a starting point. From there, you’ll want to customize your emergency-fund amount based on your own situation. The basic question is this: How much time would you want to replace your job if you lost yours? The key swing factors that should affect your decision are how flexible you are in terms of your career choices and lifestyle.

Consider holding a larger emergency fund (six months’ to a year’s worth of living expenses–or more) if you:

  •  Have a high-paying job
  • Hold a position in a highly specialized field
  • Are self-employed
  • Work on a freelance/contract basis
  • Have dependents
  • Have a nonworking spouse
  • Have high fixed expenses, such as a mortgage, auto loans, and tuition bills
  • Have a pre-existing medical condition that could result in hefty health-care bills if you were forced to purchase private health insurance

On the flip side, you may be able to get by with a smaller emergency fund if you:

  • Have a good degree of career flexibility because you are in a lower-paying position and/or haven’t yet developed a specialized career path
  • Have other sources of income that could help defray a large share of household expenses, such as a working spouse
  • Have a great degree of lifestyle flexibility (for example, you would be willing to relocate or get a roommate)

2. Focus on the essentials

Setting aside even three months’ worth of living expenses might sound like a daunting sum, particularly if you look back on your real-life spending habits. But once you strip out discretionary expenses that you could easily live without if you needed to, your emergency-fund amount is going to look a lot more manageable. To help find the right emergency-fund target, look back on your fixed expenses during the past several months: mortgage or rent, taxes, utilities, insurance, car payments, and food bills.

Bear in mind, however, that one key expense category could spike up if you lost your job: health-care costs. Your company’s human resources administrator should be able to provide you with a quote on what obtaining COBRA continuation health coverage would cost, and you can also go to ehealthinsurance.com to obtain a range of insurance quotes for a person/family in your age range.

3. Build a two-part emergency fund.

If you’ve decided to be conservative and build a large emergency fund–and I think that’s a good strategy for those of you with higher-paying jobs and high fixed costs–you might consider splitting it into two pieces. For example, you might park three months’ worth of living expenses in a traditional emergency-fund parking place (or a combination of them): your checking and savings account, a CD, money market account, or money market mutual fund.

To help address the fact that those truly safe investments are yielding next to nothing, you could then put another nine months’ worth of expenses (or more) in a vehicle that would deliver a slightly higher yield in exchange for modest fluctuations in principal value. A short-term bond fund such as  T. Rowe Price Short-Term Bond or Vanguard Short-Term Bond Index could be appropriate for this role. If you’re in a higher tax bracket, consider a short-term municipal fund; Fidelity and Vanguard field.

4. Multitask through a Roth.
What if you’re trying to build an emergency fund while saving for retirement at the same time? If that’s you, you can consider building at least part of your emergency in a Roth IRA. This can be a viable option because the Roth, unlike a traditional IRA or 401(k), enables you to withdraw  your contributions at any time and for any reason prior to age 59 1/2. Under a best-case scenario, the assets in your Roth would increase until you began withdrawing them in retirement. But if you lost your job, you could withdraw your Roth contributions if you needed the money to cover living expenses.

The key drawback to this approach is that ideally, you’d hold any assets you have earmarked for your emergency fund in something safe, such as a money market fund or CD. But those safe investments have very low long-term return potential, making them inappropriate if your goal is long-term growth for retirement.

5. Set up additional safety nets.
Finally, while emergency funding is on your mind, investigate additional safety nets that you could turn to if you’ve exhausted your emergency assets. For example, check to see whether your company’s retirement plan allows for loans. Because you’ll pay interest to yourself rather than a bank when you take a 401(k) loan, tapping these assets is preferable to turning to a bank loan or credit card if you find yourself in a financial bind. (The key downside, of course, is that you’re short-shrifting your own retirement savings.)

Obtaining a home equity line of credit may also make sense for homeowners who have built up substantial equity in their properties. The key to making this strategy work is to use the HELOC only in case of a true financial emergency and after you’ve exhausted other types of funding, rather than to cover discretionary expenditures such as cars and vacations.

Post courtesy of Christine Benz at morningstar.com.

Wall Street Journal & Forbes: It’s Time to Buy A Home

We believe very strongly that now is the time to buy a home. Some will say we are just saying this to create real estate transactions and commissions. Because of that, today we will quote what those outside the real estate profession are saying to the people who look to them for financial advice.

The Wall Street Journal

Last week, in an article entitled It’s Time to Buy That House, the WSJ told their subscribers:

“It’s an excellent time to buy a house, either to live in for the long term or for investment income…Houses aren’t the magic wealth creators they were made out to be during the bubble. But when prices are low, loans are cheap and plump investment yields are scarce, buyers should jump.”

In an article two weeks ago, MarketWatch.com (the on-line blog for WSJ) told their readers:

“Now could be the best time in history to buy a home.”

Forbes.com

In a report to their subscribers, Capital Economics reported that:

“The previous declines in house prices and the more recent drop in mortgage rates to record lows have created an unusual situation in which the median monthly mortgage payment is more or less the same as the median rental payment.”

Why is this important? Last week, Forbes explained to their readers:

“If rents simply kept up with inflation at a 3.2% annual increase, a $1,500 rent payment would cost that renter nearly $900,000 over the next 30 years. The same $1,500 payment made to their mortgage would be only $540,000 (because the payments don’t increase with inflation).”

They went on to explain the advantages of homeownership during retirement:

“Even with a dismal 1% growth rate over 30 years, a $300,000 property would appreciate well over $100,000 giving the homeowner an additional nest egg for retirement…

At a time when retirement is becoming much more challenging, an extra $400,000 (or likely more) can make a major difference not to mention the impact of NOT having to pay a mortgage.  How much less would you have to save for retirement if you didn’t pay the mortgage?”

Bottom Line

When the iconic financial newspaper and the iconic financial magazine say that it now makes financial sense to purchase a house, perhaps it’s time to buy a home.

 

Post courtesy of KCMBlog.com

Interesting History on Home Prices in the U.S.

Here’s an interesting chart from the U.S. Census Bureau website about the average price of a home in the U.S.

Take a look at how fast homes shot up from 2000 – 2007: over $100,000!

Period   Average
1963      $19,300
1964      $20,500
1965      $21,500
1966      $23,300
1967      $24,600
1968      $26,600
1969      $27,900
1970     $26,600
1971     $28,300
1972     $30,500
1973     $35,500
1974     $38,900
1975     $42,600
1976     $48,000
1977     $54,200
1978     $62,500
1979     $71,800
1980     $76,400
1981     $83,000
1982     $83,900
1983     $89,800
1984     $97,600
1985     $100,800
1986     $111,900
1987     $127,200
1988     $138,300
1989     $148,800
1990     $149,800
1991     $147,200
1992     $144,100
1993     $147,700
1994     $154,500
1995     $158,700
1996     $166,400
1997     $176,200
1998     $181,900
1999     $195,600
2000     $207,000
2001     $213,200
2002     $228,700
2003     $246,300
2004     $274,500
2005     $297,000
2006     $305,900
2007     $313,600
2008     $292,600
2009     $270,900
2010     $272,900

10 Ways to Winterize Your Home

So you’ve pulled your sweaters out and found your mittens at the bottom of the coat closet. But what about your house — is it prepared for the cold months ahead? You’ll be a lot less comfortable in the coming months if you haven’t girded Home Sweet Home for Old Man Winter. With the help of several experts, we’ve boiled down your autumn to-do list to 10 easy tips:

1. Clean those gutters
Once the leaves fall, remove them and other debris from your home’s gutters — by hand, by scraper or spatula, and finally by a good hose rinse — so that winter’s rain and melting snow can drain. Clogged drains can form ice dams, in which water backs up, freezes and causes water to seep into the house, the Insurance Information Institute says. As you’re hosing out your gutters, look for leaks and misaligned pipes. Also, make sure the downspouts are carrying water away from the house’s foundation, where it could cause flooding or other water damage.

“The rule of thumb is that water should be at least 10 feet away from the house,” says Michael Broili, the director of the Well Home Program for the Phinney Neighborhood Association, a nationally recognized neighborhood group in Seattle.

2. Block those leaks
One of the best ways to winterize your home is to simply block obvious leaks around your house, both inside and out, experts say. The average American home has leaks that amount to a nine-square-foot hole in the wall, according to EarthWorks Group.

First, find the leaks: On a breezy day, walk around inside holding a lit incense stick to the most common drafty areas: recessed lighting, window and door frames, electrical outlets.

Then, buy door sweeps to close spaces under exterior doors, and caulk or apply tacky rope caulk to those drafty spots, says Danny Lipford, host of the nationally syndicated TV show “Today’s Homeowner.” Outlet gaskets can easily be installed in electrical outlets that share a home’s outer walls, where cold air often enters.

Outside, seal leaks with weather-resistant caulk. For brick areas, use masonry sealer, which will better stand up to freezing and thawing. “Even if it’s a small crack, it’s worth sealing up,” Lipford says. “It also discourages any insects from entering your home.”

3. Insulate yourself
“Another thing that does cost a little money — but boy, you do get the money back quick — is adding insulation to the existing insulation in the attic,” says Lipford. “Regardless of the climate conditions you live in, in the (U.S.) you need a minimum of 12 inches of insulation in your attic.”

Don’t clutter your brain with R-values or measuring tape, though. Here’s Lipford’s rule of thumb on whether you need to add insulation: “If you go into the attic and you can see the ceiling joists you know you don’t have enough, because a ceiling joist is at most 10 or 11 inches.”

A related tip: If you’re layering insulation atop other insulation, don’t use the kind that has “kraft face” finish (i.e., a paper backing). It acts as a vapor barrier, Lipford explains, and therefore can cause moisture problems in the insulation.

4. Check the furnace
First, turn your furnace on now, to make sure it’s even working, before the coldest weather descends. A strong, odd, short-lasting smell is natural when firing up the furnace in the autumn; simply open windows to dissipate it. But if the smell lasts a long time, shut down the furnace and call a professional.

It’s a good idea to have furnaces cleaned and tuned annually. Costs will often run about $100-$125. An inspector should do the following, among other things:

Throughout the winter you should change the furnace filters regularly (check them monthly). A dirty filter impedes air flow, reduces efficiency and could even cause a fire in an extreme case. Toss out the dirty fiberglass filters; reusable electrostatic or electronic filters can be washed.

5. Get your ducts in a row
According to the U.S. Department of Energy, a home with central heating can lose up to 60% of its heated air before that air reaches the vents if ductwork is not well-connected and insulated, or if it must travel through unheated spaces. That’s a huge amount of wasted money, not to mention a chilly house. (Check out this audit tool for other ideas on how to save on your energy bills this winter.)

Ducts aren’t always easy to see, but you can often find them exposed in the attic, the basement and crawlspaces. Repair places where pipes are pinched, which impedes flow of heated air to the house, and fix gaps with a metal-backed tape (duct tape actually doesn’t stand up to the job over time).

Ducts also should be vacuumed once every few years, to clean out the abundant dust, animal hair and other gunk that can gather in them and cause respiratory problems.

6. Face your windows
Now, of course, is the time to take down the window screens and put up storm windows, which provide an extra layer of protection and warmth for the home. Storm windows are particularly helpful if you have old, single-pane glass windows. But if you don’t have storm windows, and your windows are leaky or drafty, “They need to be updated to a more efficient window,” says Lipford.

Of course, windows are pricey. Budget to replace them a few at a time, and in the meantime, buy a window insulator kit, Lipford and Broili recommend. Basically, the kit is plastic sheeting that’s affixed to a window’s interior with double-stick tape. A hair dryer is then used to shrink-wrap the sheeting onto the window. (It can be removed in the spring.) “It’s temporary and it’s not pretty, but it’s inexpensive (about $4 a window) and it’s extremely effective,” says Lipford.

7. Don’t forget the chimney
Ideally, spring is the time to think about your chimney, because “chimney sweeps are going crazy right now, as you might have guessed,” says Ashley Eldridge, director of education for the Chimney Safety Institute of America.

That said, don’t put off your chimney needs before using your fireplace, Eldridge advises. “A common myth is that a chimney needs to be swept every year,” says Eldridge. Not true. But a chimney should at least be inspected before use each year, he adds. “I’ve seen tennis balls and ducks in chimneys,” he says.

Ask for a Level 1 inspection, in which the professional examines the readily accessible portions of the chimney, Eldridge says. “Most certified chimney sweeps include a Level 1 service with a sweep,” he adds.

Woodstoves are a different beast, however, cautions Eldridge. They should be swept more than once a year. A general rule of thumb is that a cleaning should be performed for every ¼ inch of creosote, “anywhere that it’s found.” Why? “If it’s ash, then it’s primarily lye — the same stuff that was once used to make soap, and it’s very acidic.” It can cause mortar and the metal damper to rot, Eldridge says.

Another tip: Buy a protective cap for your chimney, with a screen, advises Eldridge. “It’s probably the single easiest protection” because it keeps out foreign objects (birds, tennis balls) as well as rain that can mix with the ash and eat away at the fireplace’s walls. He advises buying based on durability, not appearance.

One other reminder: To keep out cold air, fireplace owners should keep their chimney’s damper closed when the fireplace isn’t in use. And for the same reason, woodstove owners should have glass doors on their stoves, and keep them closed when the stove isn’t in use.

Check out CSIA’S Web site for a list of certified chimney sweeps in your area.

8. Reverse that fan
“Reversing your ceiling fan is a small tip that people don’t often think of,” says Lipford. By reversing its direction from the summer operation, the fan will push warm air downward and force it to recirculate, keeping you more comfortable. (Here’s how you know the fan is ready for winter: As you look up, the blades should be turning clockwise, says Lipford.)

9. Wrap those pipes
A burst pipe caused by a winter freeze is a nightmare. Prevent it before Jack Frost sets his grip: Before freezing nights hit, make certain that the water to your hose bibs is shut off inside your house (via a turnoff valve), and that the lines are drained, says Broili. In climes such as Portland, Ore., or Seattle, where freezing nights aren’t commonplace, you can install Styrofoam cups with a screw attachment to help insulate spigots, says Broili.

Next, go looking for other pipes that aren’t insulated, or that pass through unheated spaces — pipes that run through crawlspaces, basements or garages. Wrap them with pre-molded foam rubber sleeves or fiberglass insulation, available at hardware stores. If you’re really worried about a pipe freezing, you can first wrap it with heating tape, which is basically an electrical cord that emits heat.

10. Finally, check those alarms
This is a great time to check the operation — and change the batteries — on your home’s smoke detectors. Detectors should be replaced every 10 years, fire officials say. Test them — older ones in particular — with a small bit of actual smoke, and not just by pressing the “test” button. Check to see that your fire extinguisher is still where it should be, and still works.

Also, invest in a carbon-monoxide detector; every home should have at least one.

Courtesy of MSN.com.

Geithner: Details of refinance help ‘in weeks’

WASHINGTON (MarketWatch) – The Obama administration will be provide in the next
few weeks some details about a series of proposals to help “a meaningful” number
of homeowners participate in a government program that provides refinancing to
current low interest rates for so called “underwater” borrowers who owe more
than their homes are worth, Treasury Secretary Timothy Geithner said Thursday.
He added that Federal Housing Finance Agency director Ed DeMarco is examining a
set of proposals that would make it much easier for people to refinance at lower
rates, including people who have loans that are worth less than their
outstanding mortgage obligations. “[DeMarco is] going to be laying out some
clarity to the broader markets and to homeowners in the next few weeks. He’s
told us it is meaningful enough to make a difference,” Geithner said.

Originally posted at MarketWatch.com