Every Fall

SMOKE AND CARBON MONOXIDE DETECTORS:

• Change batteries and check to make sure they are operating properly.
• Also consider installing a carbon monoxide detector if you don’t have any.

CLEAN CARPETING, UPHOLSTERY, DRAPERIES AND AIR DUCTS:  

• Have your carpets, upholstery and draperies cleaned regularly, once every 12 to 18 months, to remove the dirt and grit that can wear them out prematurely.
• Consider having the air ducts in your home cleaned if family members suffer excessively from respiratory infections, asthma or allergies; if there is visible mold growth inside ducts or on other components of your heating and cooling system, the ducts are infested with insects or rodents. Excessive amounts of dust and debris and/or particles are actually released into the home from your supply registers.

DRAIN-WASTE AND VENT SYSTEM:

Flush out system. HEATING:

Forced Warm Air Heating System

Before turning on your unit, make sure nothing flammable has been stored next to the furnace over the summer. Also, change the filters regularly. Be sure all access panels are secure, with all the screws in place. Be sure the thermostat is set in the heating mode. Run your heater for a few minutes to burn off the dust that usually collects on the heat exchanger over the summer (don’t worry, that smell is normal) and to make sure it is in working order before you need it. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments. Consider hiring a pro to perform a furnace maintenance check-up, including these steps:

1. Inspect thermostat for proper operation.
2. Inspect filter and change or clean as needed.
3. Check all electrical components and controls.
4. Oil motors as needed.
5. Inspect heat exchanger for possible cracks, which would introduce carbon monoxide into the living space.
6. Check airflow. If diminished, it may be necessary to clean the evaporator coil and ductwork.
7. Check air fuel mixture, where appropriate.

Gas Burner 

•  Clean burners and ports, or have them professionally cleaned.

Oil Burner 

•  Have your oil burner professionally serviced; lubricate fan and motor bearings.

Thermostat

•  Clean heat sensor, contact points, and contacts; check accuracy.

Heat Pump

· Schedule an annual service call to have a certified professional to inspect the wiring, check belts and replace if needed, and oil the moving parts. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments.

Hot Water Heating System

•  For steam heating, check shutoff valve for leaks and drain lower water cut-off per manufacturers’ instructions. Lubricate pump and motor; bleed air from radiators or convectors.
•  Oil-fired Boilers
• Hire a professional for annual maintenance including flue cleaning, a fuel-filter change, cleaning and adjustment of the jets. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments.

DOORS AND WINDOW WEATHERSTRIPPING:

• Check the weather-stripping around all doors and windows and replace it if necessary to reduce drafts. And the loss of heated air.
•  Make sure the weather-stripping on the door between your garage and home is intact to reduce the risk of carbon monoxide poisoning.

FIREPLACE AND CHIMNEYS:

•  The most important maintenance to do regularly is to have a pro clean your flue liners in order to prevent the build up of creosote.
•  Have your wood burning fireplaces and stoves inspected annually and cleaned and repaired as required to prevent chimney fires, carbon monoxide poisoning and mortar and flashing failure.
•  Water leaks can also cause your mortar to deteriorate prematurely.
•  Consider installing a chimney cap to protect your chimney from water, debris and critters.

STORM WINDOWS AND DOORS:

•  Inspect all windows and doors-replace any cracked or broken glass, tighten or repair any loose or damaged frames and repaint if necessary; replace broken, worn or missing hardware; tighten and lubricate door hinges and closers; check for broken or missing glazing.
•  Consider installing a chimney cap to protect your chimney from water, debris and critters.

GARAGE DOORS:

•  Clean and lubricate hinges, rollers, and tracks; tighten screws.
•  If serious repair is required, consider replacing.

PEST CONTROL:

•  Remember, insects and other critters would naturally prefer to come indoors out of the rain and cold, if possible, as winter sets in.
•  Make sure all vents and other openings are covered and spray for insects along perimeter of house. ·

WATER HEATER:

•  Every six months you should turn off the power source and drain it completely until it is clear of sediment.
•  Also inspect flue assembly (gas heater); check for leaks and corrosion.

EXTERIOR CAULKING:

•  Inspect caulking around exterior doors and windows, replace if necessary.

BASEMENT AND FOUNDATION:

•  Check grading for proper slope away from foundation wall.
•  Inspect for cracks and moisture repair if needed.

DECKS AND OTHER EXTERIOR WOOD:

•  Inspect exterior wood for cracks, splintering, decay, and insect damage; treat and repair as needed.
•  Keep decks clean, removing wet leaves and debris that can cause staining or encourage wood decay, mold and mildew growth.
•  Having your deck professionally cleaned and sealed can add years to its life.
•  Repair hinges and latches on your gates.

GUTTERS AND DOWNSPOUTS:

•   Clear/install/repair gutters and downspouts and make sure the runoff is directed away from your home so it can not erode the soil around the foundation or run into your basement or crawl space.
•  Install gutter accessories to divert water, channel underground drain lines into existing yard drainage or storm sewers, or consider installing a dry well at the end of the drainpipe to slowly distribute the water to surrounding soil.

LANDSCAPING: 

• Cut back any trees or shrubs that are touching the exterior. 
•  Check with a local gardening service or your county extension agent for information about appropriate measures in your area for fertilizing, thatching, aerating and reseeding lawn and controlling disease and insects in all your landscaping

PIPES: 

• Check your pipes for rust or white lime deposits that may indicate a leak is starting, replace if necessary. 
• Check for leaking around the outside hose bibs.
•  Install insulation around outdoor water pipes to protect from freezing.

ROOF: 

• Check for warping, aging, moss, and cracking making sure that shingles, shakes or tiles are sound; repair or replace as needed.
•  Inspect the flashing around chimneys, skylights and vents.
•  Seal cracks or openings where water could penetrate. ·
• If you see significant damage or wear, consider contacting a roofing specialist to give you a bid on a roof replacement. · Do NOT cover air vents or turbines.

SIDING: 

• Inspect siding (especially on the south and storm sides of the house) for evidence of deterioration, including cracks, splintering, decay, and insect damage; clean, treat and repair as needed.

o Brick and stone: check joints between wood and masonry. Waterproof or repaint if necessary.
o Wood: look for lifting or peeling paint, splitting wood or areas where the wood grain is separating. This is evidence that water is getting into the siding.
o Stucco: a chalky residue that rubs off on your hand is evidence of oxidation, a deterioration of paint or color coat that reduces stuccos’ insulating value. If the stucco is cracked, this allows water to get in around windows and doors.
o Trim: look for peeling paint on the fascia boards, windowsills and sashes that could allow water in to form mildew and fungus on the interior of your home behind curtains, blinds and window coverings.

This concludes our 8 part series on Preventive Maintenance Tips. I hope that you have enjoyed this series and that these tips will make for a more enjoyable home. Join us next time on “Hiring A Contractor.” Visit us at www.freminshomeimprovement.com

For some of us, there comes a point in our lives when we look around our dwelling and realize the college student look has to go. Others of us look around and see an eclectic mix of sad and worn hand-me-down furniture. And a few of us are just, well, bored with the décor we have had for the last five years.

To redecorate your home, you don't need to spend a whole lot of cash. Granted, a major remodel, such as a kitchen or bathroom, will be a whole different story (and an article to come later this year). However, any space in your home can be given a fresh look with easy do-it-yourself projects at minimal cost.

Décor Ideas for Any Room:

Use What Ya Got - Many times we become so accustomed to seeing things in the same place we don't consider their potential in another area or room of the home. Rearranging furniture and décor can give any space a new look.

• Consider how you use the space first, do you find some rooms are used all the time and others hardly at all? Frequently used spaces can easily become cluttered. Perhaps there is something you can move to a less used space to bring new purpose to that area. Convert a scarcely used nook to a game table or move a small bookshelf and add a lamp next to that comfy chair no one ever seems to sit in. Think outside the "box" of your previous layout.
• Similar to the point above, consider some of your larger pieces of furniture. Moving a piece out of the room into another may help free up space in one and redefine another.
• What is the flow of your rooms? Do pathways from one doorway to the next make sense? Perhaps everyone seems to be ducking in front of the couch to get by the TV when there is room to move the couch away from the wall. Contrary to popular belief, the couch does not need to go against the wall!
• Take established pieces and reinvent them. No, the modular sofa does not have to be one formal island in the center of the room. Break it up and add lights, or end tables to help recharge the room.
• Besides furniture, consider what you have hanging on the wall as well. Do you have old paintings that no longer appeal to you or the space? Do you have new photos that you can't seem to find a place for? If you are rearranging furniture, take pictures off the wall first, you don't want to be boxed in with idea to leave wall space for this or that. Afterwards, look at the new blank walls and consider the possibilities. If you are not rearranging furniture, still take the pictures down. Leave them down for a couple days and come back to look at the room as fresh as possible - what do you really miss being up there, what would you like to add, or perhaps, do you prefer a more blank, uncluttered wall?

Color Me New - A splash of paint can go a long way! Repainting walls can be a lot of fun and the best part is that if you don't like it you can just paint over it! Of course today there are great programs at the do-it-yourself stores that help you customize colors and paint styles before you begin. And painting doesn't have to stop at the walls!

• Repainting the ceiling can help to brighten a room considerably.
• If you have old painted trim, you may want to consider splashing on a fresh coat of paint or changing the color altogether.
• Painting old furniture can reinvent it and is something kids can get involved with if redecorating their own room.
• There are paint sets out there to help repaint anything with a surface. You can give any end table, lamp or bookshelf a new antiqued look. For example, we had some white metal dining room chandeliers that clashed with our house, it was easy to dismantle them and paint them with a rusted look and this saved us buying chandeliers that would otherwise have cost $200 a piece! I admit, we did this with the thought that we would replace them "down the road," but since their makeover they have stopped being an eyesore and we have even received compliments on them - most didn't realize they were painted until we said something!

It's ALIVE! - Plants can do wonders for the home. Some believe that you should have a plant in every room. Large potted plants can help give life to blank corners or help set up the outline of a nice path throughout a room. Smaller potted plants can add color to the window or shelf. It must be admitted that although nice idea, not all of us have a green thumb and lack of light may doom some of our green friends from the beginning. Many of the silk plants these days look very real, however, they are not for everyone. Another alternative is fresh cut flowers. Get enough small vases and one bunch can be used throughout the home and greet you everywhere from the bedroom to the kitchen.

Instant Relatives - "Instant relatives" is a phrase my friend uses for the photos of people in the new frames you buy. If you bought a frame 6 months to a year ago and still have those "instant relatives" you don't know staring at you, then you have just found one of the easiest home décor projects! If you don’t have new frames, they are an inexpensive way to help any room. And remember, all the frames on one wall don't always have to match; sometimes the mix match look of your décor is what can give it personality! Once you have some frames you like, fill them with memories or art you enjoy having around you. Today it is easy to enlarge photographs and add effects to them. Enlarge one of your favorite photos of Scotland or collage your last family vacation. Fill the frames with photos of family, friends, vacation scenery, art prints, artwork by the kids, favorite postcards or cards, the list can be endless if you let your imagination run with it; make it fun!

Facelift Under $20 - Many times just adding a few small pieces can help a space. At many department stores you can find: candles, sconces, mirrors, frames, framed art, plaque art, photo holders, statues, ornate boxes, pillows, table runners, etc. Any of these smaller items can be combined to add a unique design to your space. Also, many department stores package themed art (southwest, modern, Victorian, African, etc.) to help you create the design for the space you want. These series often go on sale as one design set makes way for another, leaving you a chance to find some great decorations with a little planning and patience.

Oh Just Hang It! - The softness of fabric in a room can make a major mood change. Drapes are one of the easiest ways to change the look of a space. You can get drapes relatively cheap these days. I have both purchased and made my own drapes and consider it a draw. I was able to get better fabric quality when making my own, but the time and headache (I'm not a sewing expert) did cancel out some of the ease of just buying them. Others have been smarter than me and buy a fabric they want, simply seem the edges and then hang them freely over the curtain rods. Another consideration would be bamboo or roman blinds, some find these a more colorful and cheaper alternative to standard blinds.

Camouflage the Old - Covering up what you already have can be a great alternative to buying new furniture. Covers for sofas, tables and chairs can help you bring new colors and patterns into your room. Again, you can make these items yourself or purchase them in the store. Unless you a proficient with the sewing machine, it may be easier to purchase some of these items. Sometimes even cushions and pillows can help cover up worn spots or add color to a drab space. While we are covering things up, you may also consider to use rugs to cover up and change the pattern/color or old floors. Especially for older hard wood floors or pergo, this can be a great way to spiff up your room.

The Finer Details - Another detail that can be changed on a small scale but effect a room on a large scale is your hardware and fixtures. Changing the hardware on cabinets can reinvent your kitchen or bathroom. You can also replace fixtures such as light casings, towel holders, toiletry and soap holders, etc. Changing these items can help change the room from modern to antique or vice versa (just for example). Many department stores sell fixture sets that can be a quick and easy facelift to any bathroom.

Just Say No to Clutter - Finally, one of the most effective ways to redecorate your home is to get rid of clutter. This doesn't just mean picking up bits of paper. This can also mean getting items to help you organize. Many stores offer beautiful baskets, tins or other containers that can be used to organize your madness. Adding a bit of shelving, a chest, a large basket or an ottoman that opens up for storage are just a few ways you can change the look of the room and give yourself storage space. Changing a room from cluttered to organized can have a dramatic effect on the décor and overall feel of the space.

Conclusion

Redecorating your home on a low budget can include inventive use of what you already have to inexpensive updates to your room such as paints or wall hangings. Obviously we have only touched a few methods here. Hopefully this list helps you think outside the box and consider other ways you may utilize the spaces in your home. Still want to see more? Check out a few of our suggested links on the right. Happy decorating!

Further Reading

About.com

If you long for a beautiful home, you have come to the right place! Learn about home decorating, get tips for projects, find directions for how-to's, and advice from About Guide to Interior Decorating, Coral Nafie. Take a look!

Behr.com

Get interior design ideas from dozens of articles and hundreds of images.

BHG.com

Join us for truly inspiring decorating ideas, easy projects, step-by-step how-tos, practical home improvement tips, remodeling ideas, and home plans -- from Better Homes and Gardens family of magazines.

CountryLiving.com

Home decorating ideas, craft projects, home accents, renovation tips and more country style from Country Living magazine.

Do-It-Yourself.com

Decorating and painting is a key ingredient to a beautiful home. Before you begin decorating or re-decorating your home, learn more about painting techniques and preparation, selecting paint colors and finishes, decorating and designing trends, and interior décor, accents and furnishings. Home decorating has never been easier!

HGTV.com

Learn more about decorating and interior design ideas, projects and how-to from videos on Home & Garden Television.

KatieBrownHomeWorkshop.com

This is the official website for Katie Brown and the Katie Brown Workshop. It is the place to shop and buy Katie Brown books and provides information regarding lifestyle and domestic guru, Katie Brown and answers any questions you have about Katie Brown’s books, products, columns, Podcasts, or her televisions shows including the Katie Brown Workshop on Public Television.

MarthaStewart.com

Different ideas from her show and magazines.

RealSimple.com

Magazine and TV show about simplifying your life. Includes home solutions, meals, special features.

In South Carolina where the summers are hot and humid, We rely on our air conditioning systems to keep us comfortable and keep the inside of our houses dry and mildew free. A great many homes in this area have what is commonly known as a Gas Pack system with an air conditioning condenser unit on the outside of the house, and a gas furnace and air conditioning evaporator coil in the crawl space under the house. The evaporator coil becomes very cold, and air that passes over it is cooled and looses its moisture in the form of condensation. This process cools and dries the air in your home so that you feel comfortable. In a very humid climate, the amount of condensation can be considerable. This moisture typically drains into a pan under the coil and is then either pumped or drained by gravity out of the crawl space and away from the structure. If the drain line becomes clogged, or the pump fails, or a pipe fitting comes loose, water backs up in the tray and/or drains onto the crawl space floor. Standing water in a dark, hot and humid crawl space is an invitation for mold and mildew to form. Many older HVAC systems are not airtight and allow crawl space air to enter the system, and where the condensation drainage is interrupted, mold and mildew can be pulled into your HVAC system. If, during an inspection, I find a broken, leaking or obstructed drain line, I report it to the home owner with a recommendation to have it repaired. It’s not a bad idea to have an annual heating and air conditioning check up, and to ask the technician to pay careful attention to the drain pan and pipes, and to make sure that the ductwork is in good condition with no splits, holes or gaps. If you suspect mold, contact a certified mold inspector.

Giving to others in need seems to be a natural impulse the world over. Many of us enjoy giving to causes, programs or research that we agree with and believe in; however, sometimes we are caught unaware and are asked to give by volunteers. We may love the idea of the cause but know little about the organization. Or we may like the idea, but prefer it were handled differently. So where do you go to find the best fitting charity and how do you determine if they are legitimate? Below we have compiled some things to consider when choosing a charity, such as when to give, how to avoid scams, and other ways to give to the community rather than a cash donation.

Before you Give

What Touches You? - It may sound simple (and it is) but one of the best gauges for which charity to choose should be what you are passionate about. What causes mean the most to you? What charities benefit research, education or programs you believe in? This should be your first consideration when choosing a charity. It will help narrow your choices and there is nothing better than having pride about the organization you choose. Who knows, that initial donation could lead to volunteering and becoming actively involved in something you really care about.

Take Control - Be proactive about the charities you choose to support. Don't wait for someone to come knocking at your door or spend money on reminders in the mail. Instead, take the first step by actively searching for charities that give to the causes you believe in. To begin your search, check out some of these sites: Charity Navigator | Guide Star | IRS Search

Money 101 - Find out where your donation goes and how it is spent. Most organizations offer easy charts and/or percentages detailing how much money goes to the cause, administration, events, publications, etc. Although you may like the ideas behind an organization, you may not agree with how they choose to spend the money. The only way to know is to check them out and if you can't find the information, practice our next point and ask questions!

Ask Questions - Don't be afraid to ask questions! Perhaps how they spend money on fundraising events is worded ambiguously to you. Or you are not certain if the funds will stay local or move nationally. Any questions you have are okay to ask. Sometimes people don't want to ask as they think they are pestering the volunteers and wasting their time - that is not the case! By thoroughly answering your questions, volunteers know they are ensuring your continued loyalty, confidence and support for their organization. If they don't want to answer, then consider someone else - there are plenty of charities to choose from.

Reputation - Find out about the charity's reputation. Have there been complaints about your charity? Are there accolades for your charity? Take some time to see what others are saying about the charity of your choice. Better Business Bureau | Charity Navigator

The Quick List - If you don't want to spend the time researching the charities out there, take a look at some of these lists to see how they are already ranked by organizations. American Institute of Philanthropy | Charity Navigator

When You Give

Dust Off the Checkbook - It is best to donate by check rather than cash or credit card. This way you can specify the money only goes to the organization. Always write the check - don't give any information directly to your bank account. Credit card is okay online if you really know the source is reliable. But be very cautious!

Guard Your Information - As with your bank account information, keep most of your information private. As you will read in the 'Signs of a Scam' section below, caution is unfortunately the best practice when donating money.

Ask if Your Gift is Tax Deductable - Not all charities actually count as a tax deductable donation. Although we realize this is not usually the impetuous behind giving to a charity, it is something to keep in mind if you do plan to claim it on your taxes - especially if it is a sizable donation. The charities won't be offended, just ask.

Get a Receipt - Even if your donation is not tax deductable, get a receipt. This will help you track your records and if you are ever unfortunately caught in a scam, it might help in developing a case against the criminal.

Think Ahead - Consider giving to the charities of your choice once a year or up to a certain amount every year. This will make it easier to choose a charity that you know rather than off the cuff impulse. Also, it will make it that much easier to say no to those who solicit your donations if you know you have already given as much as you want/can for the year.

Signs of a Scam

Appearance is Not Enough - Charity scams can be everything from a person with a jar asking for a particular cause to elaborate schemes that include personnel, office space, logos and image branding - all the signals of a legitimate operation. Thus, we say it again, it is important to do your homework before you give.

Know the Name - Many charity scams are set up using names very similar to bigger and better moderated charities. Be careful and take the time to double check that the organization you are donating to is the one you are really thinking of.

The Copycat - Unfortunately, even knowing the correct name of the charity may not be enough. Some scammers (especially in person) will claim to be from an organization they are not. The best option is to check with the charity to see if they are running a drive in your area before you donate.

Opportunity Knocks - The primary means for charity scams to get your money is by approaching you in person (i.e. at the grocery stores or going door to door), spam emails, and even telemarketing. To be safe, take the information about the charity down but wait to give until you have had a chance to check them out. If they turn on the high pressure "sale" when you mention researching them more, simply walk away. Instead, a legitimate charity will be happy to give you the information about their organization and where to find out more. As for emails, donating to unsolicited emails is never a good idea. Email is only a good option if it is from an organization with which you already have a relationship (usually a reminder to come donate again) or someone you personally know (i.e. participant fundraising for a benefit walk/run/etc.).

Too Much Pressure - Yes we just wrote it above, but it is worth mentioning again - high pressure "sales" from charities is a huge no-no. If they turn up the sob story, guilt trip, or state the need is now or never - be wary and just walk away. Most legitimate charities avoid high pressure tactics and have guidelines for volunteers against such tactics as they are just as glad to have raised the awareness if not always the cash.

Registration Please - It is good practice to ask a charity if it is registered and has a registration number. You can then use this number to look it up with the Better Business Bureau.

Misery Loves Company - Be very careful when giving after a large natural disaster or another event which rocks the community. At these times it is usually best to give through charities that have a standing reputation for helping. But again, make sure to check the name is not a quasi copycat. Be careful how you give the money - even when memorial charities are set up for a local family, you can donate through a bank with an established trust. Try not to let the headlines in the news sway you to give to the wrong person!

Allocation of Funds - Although this is not necessarily a scam item, some donators feel scammed when they find out so little of their money actually goes to the cause of their choice. To avoid this, research the charity to see how they allocate their funds. As we stated above, every charity is different in how it will choose allocate the funds raised. Some charities have high administrative costs and use fundraising to pay staff salaries. Others spend a great deal on advertising campaigns. Although neither is illegal, you may want to see if you agree with the amounts spent. You can find details on the individual charity websites or directories, such as Charity Navigator and Guide Star.

And the Winner Is - Another scam to look out for is the offer of a entry for a prize with your donation. This can usually be related to a scam, but also some legitimate organizations use this tactic. In this instance you may want to consider how much of your donation is going to fundraising gimmicks rather than to the cause at hand.

Other Ways to Give

Your Time is Worth Money - Don't have a lot of cash to give? A little of your time can help just as much or even more for some charities. Many organizations need voluntary workers to make their goals a reality. Most Americans consider donating around November and December when the image of helping out the local soup kitchen is etched in our minds. However, many organizations need help the rest of the year. Contact the charity you are passionate about and ask when you can be the most helpful. Have time but don't know where to participate? Try some sites like these to find volunteer opportunities in your area. Many of these sites let you search by interest - if volunteers get to share the love of one of their hobbies they are more likely to enjoy the experience and spend more time helping. www.idealist.org | www.volunteermatch.org | www.1-800-volunteer.org | www.getinvolved.gov

Take a Volunteer Vacation - Some college students have made headlines by taking volunteer vacations during spring break instead of heading to a party hot spot. But these vacations are not just for college students! Many seasoned travelers find these vacations a great way to learn more intimately about other cultures and give a little back in the process. Whether your passion is people, the environment, culture, language, or all the above, this might be the next vacation for you. www.globalvolunteers.org | www.volunteerabroad.com | www.globeaware.org | www.earthwatch.org

Play on the Web - Some online stores and searches will donate to charities if you use their interface. So why not take them up on the free offer? Do Great Good | The Hunger, Breast Cancer, Child Health, Literacy, Rainforest & Animal Rescue Sites | www.searchkindly.org

Consider Giving a Loan - A different way of 'giving' may be to actually lend capitol to the working poor. A new idea in micro financing gives funds to poor families who need a small loan to make their business ideas work. Loans can be as low as $25 and are actually paid back (unlike email schemes). The forerunner in this area is Kiva.org who started in 2005 primarily connecting lenders with 3rd world entrepreneurs. To find out more, visit their website www.kiva.org. This year, Kiva partnered with ACCION USA and the Opportunity Fund to offer micro loans here in the United States as well. For more on this option, please visit www.accionusa.org or www.opportunityfund.org.

Lately, when we turn on the news, we hear about a troubled economy and an unstable job market. The constant barrage of bad news has encouraged most of us to cut spending wherever possible. Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option. As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items. One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy. Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need. This said, it is far better to reduce coverage than to go with no coverage at all.

Before we discuss insurance any further, let us get this down now - it is not worth the risk to eliminate insurance coverage completely.

• For homeowners insurance, your mortgage lender will require that your home is at least minimally insured. However, it is possible to let your insurance coverage lapse if you don't pay your bills or mortgage. A few months lapse does not mean you lose your insurance right away. However, letting it go longer than a couple of months will leave your home uninsured. When you then try to reenroll your coverage, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured - you have become a higher risk client. If you do not reenroll and let your insurance continue to lapse, your lender can take action to protect their investment. A lender may enroll the house in an insurance policy which they then add to your loan payment. However, they will be the party to receive funds if the home is damaged (i.e. fire). Essentially, you will be forced to pay for an insurance of their choosing (maybe at a higher rate) but you will not receive the benefits of the original coverage under your name.
• Basic automotive insurance is required by law in most states. If you are driving uninsured, you could be faced with a lot of out-of-pocket expenses as well as legal fines if you are ever in an accident. Again, if you drop insurance coverage and reenroll later, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured as you are a higher risk client. For a chart detailing the amount of coverage required in your state, click here to visit Insure.com. Before you cut your auto insurance to the bare minimum listed, consider some of our insurance shopping tips listed below that may help you lower your costs.
• Finally, what about health insurance? It is estimated that this year the number of Americans without health insurance is as high as 52 million. Most Americans rely on their employers to help cover some of their health insurance cost. However, as premiums rise for companies, they are forced to increase the contributions of their employees. So in today's economy, both those with jobs and those who have lost their jobs are struggling to keep affordable health insurance. Everyone should have health insurance to offset the astronomical cost of emergency health care. Those without insurance may find that the ambulance ride alone may break the bank and leave them with more debt than they can possibly afford to repay. Below we have provided some strategies for obtaining cheaper health insurance.

The above said, let us see how you can cut some of your insurance rates!

Cutting your insurance costs does not mean you should go without coverage. Instead, be a savvy consumer and do your research and shop around. Recently an insurance company ran an ad where they asked consumers how long they shopped for their car and received answers from a week to even a couple of months. When they then asked how long they shopped for insurance, there was a pause and the usual answer of, "Er, uh, less than an hour." This commercial proved a good point about how many people approach shopping for insurance with less care than the big ticket items to be covered. Here are some shopping tips to help you find the best price and coverage.

Strategies for obtaining discounts on home, automotive, and health insurance: 

SHOP before you DROP your money! As the commercial we used as an example above, and as we keep mentioning over and over, nothing can beat comparison shopping. Use the web to your advantage as there are so many quote and comparison sites available. If you aren't comfortable with the web, do some calling around to your local agents. It is worth your time and money! 

Considering the online insurance option? You may give up on some individualized care, but the cost savings may be worth it. Consider these PROS and CONS before you buy online insurance coverage:

The PROS - There are many benefits for utilizing online insurance:

• Easy Comparison Shopping: Using insurance websites, you can compare coverage and prices on almost any type of insurance. You can also browse the individual insurance carrier websites once you have narrowed your search. Almost all companies now have libraries and tools for you to learn more about their services online.
• Your Time Is Money: Shopping for insurance online can be done at any time of day. It is hard to get time away from your daily schedule to sit down and comparison shop with insurance brokers, or indeed, individual agents.
• Low Pressure: Let's face it, many people find it easier to stand firm without the person-to-person contact. Users feel they can be more savvy and better informed when every option is at their fingertips rather than relying on an agent's account.
• Save Money: Due to the time needed to comparison shop, the pressure to stay loyal to one company, and the uncertainty of other companies, some may lose money by staying blindly loyal to their insurance carrier. The online market allows for easy comparison shopping, less pressure, and research tools to learn more about other companies. By becoming well informed, you can work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar.

The CONS - Be aware of these complications when purchasing insurance online:

• Understanding Coverage Options: Without an agent to explain 'insurance speak,' you may not know all the coverage you may need. This is especially the case for those getting insurance for the first time. However, if you have discussed options with an agent before and have a generally good idea of the type of coverage you will need, this may be something that is manageable with a little extra research.
• Is that quote really a deal: All quotes may not be equal. Take care to examine all the coverage included with quotes. The online quotes may help you narrow your search, but should not be taken at face value because not all companies offer the same 'comprehensive' coverage.
• Buying Insurance Coverage In Your State: Not all states allow you to purchase insurance online. Some allow you to get quotes but still require you to meet with an agent before signing any contracts. Also, because the Internet clouds locality, you will need to make sure the insurance carrier is licensed in your state.
• Individual Customer Care: Do you really want to push 1, then 2, then 4 to talk to someone about your insurance coverage? Working with a local agent still offers the advantages of individualized customer service. They will also have a better knowledge of the coverage their carrier provides and can help you understand all of your options. They may also be aware of more discounts available to you that you may not know to ask for online. In this way they can offer better individualized care.

For more information about purchasing insurance online, read our article 'Online Insurance: Is Online Insurance Right for You?'

• Look for and Ask about Discounts: All insurance companies offer discounts, however, not all of them will offer a discount if you don't ask. Since not all insurance companies are upfront with all the discounts they offer, it is best to shop with this at the top of your list of items to ask about. Discounts are available for all types of coverage and include everything from being a long-time client to paying your policy in full (rather than monthly). Homeowners can get discounts by making certain upgrades to their home that make the home more secure and/or energy efficient. Automotive insurance often has the most selection of discounts ranging from a good driving record, a short daily commute, or even a high grade point average (for those student drivers in the house). Health insurers will give discounts for clients in good health - if you lead a healthy lifestyle with regular exercise, no smoking or drinking, you may find completing a health survey will save you money on your premium.
• Raise your Deductibles: By raising the amount you pay out-of-pocket in the case of an emergency, you can lower your rates substantially. Higher deductibles will mean that you may have to pay as much as $1000 or more out-of-pocket per event. However, it does provide a safer gamble compared to no insurance at all. For health care you may consider a high deductable plan for "emergency" or "catastrophic" insurance. These plans will only cover a major accident but, if you are in good health and don't need a lot of medications, this plan can help offset high rates. However, keep in mind that you will have to pay over $1000 out-of-pocket and these plans will not cover routine doctor visits. Instead, combine this insurance with a Health Savings Account for the best rounded coverage.

MORE Strategies for obtaining discounts on home and automotive insurance: Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. 

• Bundle to Save: Using one insurance provider to cover your home and vehicle can help save you money as most insurance companies provide a discount to get your business. This will save you money if you check with your current provider, but don't be shy, take advantage of online comparison sites or do some calling around. You may be surprised at the differences!
• Review your Policy: Make certain you review your policy at least once a year. There may be adjustments you can make in coverage. For example, as your car gets older and subsequently worth less than when you first bought it, you may find you need less coverage. For your home, you may find you have sold high insured items from your household or take inventory and realize you don't need to cover that old computer or entertainment center for as much as you did before. Examining your Personal Property Value may lead to areas you can logically cut coverage.

For more information about homeowners' insurance, read our article 'Understanding Homeowners Insurance.'

Insurance Company Rankings

• AM Best Company - Insurance Reports http://www.ambest.com/homepage.asp
• Consumer Reports (requires membership for ratings) http://www.consumerreports.org/cro/money/insurance/index.htm Standard & Poor's Ratings http://www2.standardandpoors.com/
• US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html

Online Insurance Comparison Sites

• Insurance.com www.insurance.com
• Quicken http://www.quicken.com
• InsWeb www.insweb.com Insure.com www.insure.com
• eHealthInsurance www.ehealthinsurance.com

Q Our home inspector recommended that we install a chimney cap on the older home that we are buying. The chimney has not had a cap in it’s 60 plus year life, so why put one on now?

A In my practice as a home inspector, I always recommend the installation of chimney caps. Chimney caps serve a variety of purposes. They keep animals such as birds, squirrels and rodents from entering the chimney and in some cases the crawl space. A 60 year old home may have had an oil-fired furnace in the crawl space or basement which would have been vented through the chimney. The vent pipe opening provides direct access for critters. It is not unusual for rodents to crawl down through the chimney into the crawlspace seeking a warm place to nest. Chimney caps also keep out rain and debris such as leaves that can collect in the flu. Chimney caps also serve as spark arresters. Most caps are not expensive, and your local chimney sweep can recommend the one that is best for your chimney.