Friday, November 30, 2012

Choosing the right light bulb


n the world of home improvement products, it used to be that one of the things you could count on for consistency year after year was the light bulb. Little changed since its invention, so it was a product that you didn't really have to give much thought to.
No longer. Today, there's a lot of confusion surrounding this simple staple of the American household. Are 100-watt bulbs banned? Are those twisty bulbs dangerous? Can you use these new bulbs with a dimmer? Aren't the new bulbs really expensive? There are lots of questions and lots of confusing answers, so let's try to clear up what we can.
Incandescent bulbs
Incandescent bulbs are the traditional household light bulb. They consume electricity, which is measured in watts, and give off light, which is measured in lumens. However, most of the electricity they consume is actually given off as heat, so these bulbs have never been particularly energy efficient.
ncandescent bulbs haven't technically been "banned." What's happened is that new energy efficiency standards have been put into place, which simply means that the bulbs now need to consume less electricity for same amount of lumens produced.
So the traditional 100-watt light bulb is, in essence, a thing of the past. It's being replaced by a bulb that produces the same amount of light, but uses about 72 watts. Since that translates to money in your pocket in the form of energy savings, it's not a bad thing. Similar wattage-to-lumen reductions are set to phase in for other bulbs over time, but given the ongoing mess in Washington, those dates are a congressional moving target.
Halogen bulbs
Halogen bulbs, also called energy-saving bulbs, are incandescent light bulbs that have a capsule inside that holds halogen gas around the filament, which increases the efficiency of the bulb. Halogen bulbs are a little more expensive to buy initially, but their energy efficiency increases by about 25 percent over a standard incandescent bulb, and they can last up to three times as long.
Another advantage to halogen bulbs is their color rendition, which is the ability of a light source to render the colors of an object similar to the way sunlight does. This makes them a great choice for many desk and task light applications. Halogen bulbs can also be used with dimmers.
Compact fluorescent bulbs
Compact fluorescent bulbs, or CFLs, are the increasingly familiar "curly tube" light bulb. Once again, they're more expensive to purchase initially than a standard incandescent bulb, but their increasing popularity and availability is bringing prices down.
CFL bulbs uses about a quarter of the energy that a standard bulb uses to produce the same number of lumens, so that's a pretty good savings. They're estimated to last about 10 times as long, so that offsets the somewhat higher initial cost; in fact, the Department of Energy estimates that a typical CFL will pay for itself in less than nine months.
As CFLs have become more popular, they've become available in a range of colors that weren't available when they were first introduced. You can now get CFLs with warm, yellow tones, as well as bulbs that are encased in an outer cover that help diffuse the light better -- and which, coincidentally, also makes them look much more like a traditional light bulb. Some CFLs can also be used with a dimmer switch, but be sure that you verify that on the package when you buy it.
CFLs do contain a small amount of mercury, as do all fluorescent bulbs. When they burn out, they shouldn't be disposed of with the regular trash. Instead, they need to be properly recycled, which is something that a growing number of retailers are doing at no charge.
LED bulbs
The final type of bulb you want to be aware of is the light-emitting diode, or LED. These bulbs are semiconductors that convert electricity into light. They're actually in the early stages of development at this point, so they're still pretty expensive. However, many people think that these bulbs have a tremendous amount of potential, and represent the wave of the future in residential and commercial lighting. As such, their prices should begin coming down.
LED bulbs use only about 25 percent of the energy that a conventional bulb does, but their real advantage is in their life span. An LED bulb is estimated to last about 25 times longer than a conventional bulb, so even with the high initial cost, their use may still make good economic sense for applications where bulbs are difficult to access for replacement.



Wednesday, November 28, 2012

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general. 

Please click on this link to view the Housing Trends NOVEMBER - 2012 Newsletter http://wendyjimenez.housingtrendsenewsletter.com 

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources. 

Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports. 

If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report: 

http://wendyjimenez.housingtrendsenewsletter.com/dispContent.cfm?loadid=2&loadtype=0 

Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future. 

Sincerely yours, 

Wendy Jimenez
Century 21 Jervis and Associates
800 N. Harbor Blvd La Habra CA 90631 562-243-2966wendy@wendyj4homes.com 

Monday, November 26, 2012

Take Precautions when making donations


RightArrow.gifTip of the Week: Take precautions when making donations this holiday season
Before making a donation of any kind, consumers should adhere to certain guidelines, including the following:
  • Do not respond to any unsolicited (spam) incoming emails, including by clicking links contained within those messages, because they may contain computer viruses.
  • Be cautious of individuals representing themselves as victims or officials asking for donations via email or social networking sites.
  • Beware of organizations with copycat names similar to, but not exactly the same as, those of reputable charities.
  • Rather than following a purported link to a website, verify the existence and legitimacy of non-profit organizations by searching for the organization online.
  • To ensure that contributions are received and used for intended purposes, make donations directly to known organizations rather than relying on others to make the donation on your behalf.

Monday, November 19, 2012

Thanksgiving Decorating Ideas to Impress your Guests


Thanksgiving decorating ideas to surly impress your guests.
Thanksgiving is a time to share with family and friends and if that sharing is going on at your house, feeling the need to impress can be overwhelming. Below are some table decorating ideas that will be sure to impress your guests. They will also make for a festive mood!

floral centerpiece

Sumptuous Centerpiece

Make the centerpiece as colorful as the rest of the table. Keep it compact so it doesn't interfere with the passing of dishes.


 
 
 
 
 
 
 
 
 
 
 

Harvest Color

Jewel tones and saturated color heighten the appearance of the Thanksgiving table and celebrate the season's bright foliage against the late-autumn sky. To get the look here, take advantage of the enhanced color attributes of inexpensive faux foliage and rich textile remnants. Present the faux berries and leaves (combined with real leaves, if you like) in a free-form display of pitchers and teapots, sugar bowls and goblets. The burnished finish of the collection will unify the look of the table, and the display lets you enjoy objects you love but don't always have the opportunity to use. Soften the effect with simple white candles; just be sure to set their flames well clear of the berries and leaves.
 
 
 
 
 

Fruitful Place Settings

The table, dressed in a rich palette and laden with autumn fruit, sets the tone for an intimate Thanksgiving dinner. Plump persimmons and scarlet pomegranates adorn the table — and the menu — a ripe reminder of the season's exuberant, and occasionally exotic, abundance. The table setting is a compatible mix of old (heirloom silver and dishes) and new (table runners, glasses, napkins), simply yet artfully arranged to bring out the beauty of all.
 
 
 
 
 
 
 
 

Table Tips

No-Sew Runner: Go through your sewing stash or the remnants bin at your favorite fabric store with an eye to reds and golds. Cut fabric to a length suitable for your table, turning under and pressing raw edges.

Easy Tablescape: Gather together a variety of pewter or silver pieces. Their deep metallic tones offer rich contrast to bright plates in autumn hues. Mix candlesticks with open vessels to vary height and shape.

Leaf Placecards: Real leaves curl, or dry and crack, so try this: Snip faux leaves and berries from inexpensive artificial clusters or garlands, and then use a silver gel pen to write each guest's first name on a leaf.
 

 

Homespun Crafts

In the days before Thanksgiving, a sense of anticipation fills the house as preparations begin. Spend an afternoon enjoying this feeling along with some young helpers or friends. This felt tablescape can be crafted days or weeks in advance to suit your schedule. Visit a fabric or craft supply store to buy wool felt, keeping in mind the length of your table and the number of guests. Cut a wide strip of felt in burnt orange for the bottom layer of the runner and a narrower green layer for the top. Wrap the candles and napkins with their lettered bands, and then arrange "falling leaves" along the table's length.
 
 
 
 
 
 
 
 

Buffet Centerpiece

Add a playful yet practical touch to your table by bringing an outdoor piece — like a garden plant stand — indoors and placing a cake, tart, or pie into the stand's arms.
 
 
 
 
 
 
 
 

Friday, November 16, 2012

New short-sale program offers relief for underwater homeowners

New short-sale program offers relief for underwater homeowners
One of the federal government’s most-important financial relief efforts for underwater homeowners started operating Nov. 1.


  • Traditionally short sales, where the lender agrees to accept less than the full amount owed and the house is sold to a new purchaser at a discounted price, are associated with extended periods of delinquency by the original owner.  The new Fannie-Freddie program breaks with tradition by allowing short sales for owners who are current on their payments but are encountering a hardship that could force them into default.
  • Eligible hardships under the new program run the gamut: Job loss or reduction in income; divorce or separation; death of a borrower or another wage earner who helps pay the mortgage; serious illness or disability; employment transfer of 50 miles or greater; natural or man-made disaster; a sudden increase in housing expenses beyond the borrower’s control; a business failure; and “other,” meaning a serious financial issue that isn’t one of the above.
  • Homeowners who participate in this new program should be aware that although officials at the Federal Housing Finance Agency – the agency that oversees the program – are working on possible solutions with the credit industry at the moment, it appears that borrowers who use the new program may be hit with significant penalties on their FICO credit scores – 150 points or more.
  • Other factors to consider are promissory notes and other “contributions.”  In the majority of states where lenders can pursue deficiencies, Fannie and Freddie expect borrowers who have assets to either make upfront cash contributions covering some of the loan balance owed or sign a promissory note.  This would be in exchange for an official waiver of the debt for credit reporting purposes, potentially producing a more favorable credit score for the sellers.
  • Finally, participants should be aware of second-lien hurdles.  The program sets a $6,000 limit on what second lien holders – banks that have extended equity lines of credit or second mortgages on underwater properties – can collect out of the new short sales.  Some banks, however, don’t consider this a sufficient amount and may threaten to thwart sales if they cannot somehow extract more.