The Energy Efficient Mortgage

Submitted by: J Suffie

While you explore the refinancing options available to you, you might want to consider borrowing more than the amount needed to pay off your existing mortgage. You can use the extra money to make energy-efficiency home improvements that might help you save a significant amount over time. If you consider that the interest paid on your mortgage is most likely tax deductible and switching to energy efficient appliances will immediately lower your monthly bill you might see savings sooner than you think.

What is an Energy Efficient Mortgage?

An energy efficient mortgage is a type of additional mortgage that can be added to an already existing home mortgage. With this type of federally recognized loan, the borrower is eligible for unique benefits related to the purchase of an energy efficient home or energy efficiency remodeling. Benefits include eligibility for financing energy-efficiency measures as a part of your mortgage, updating your home with newer more efficient features and appliances, stretching debt-to-income qualifying ratios on additional loans, and qualifying for a larger loan. When debt-to-income ratios improve, a larger percentage of the borrower’s monthly income can be allocated to the mortgage payment. In short, that means the buyer has more borrowing power although his or her income has not changed.

[youtube]http://www.youtube.com/watch?v=5i-S2bTjloM[/youtube]

How do I know if my home is energy efficient?

Before trying to gain approval for an energy-efficient mortgage, have a certified home energy rater come to your house and conduct an energy audit. The audit proves to the lender that the home has areas that could benefit from improved energy efficiency and lower the monthly power bill. The cost of improvements needed in these specific areas found to be energy inefficient can then be added to your mortgage.

The U.S. Department of Energy established guidelines for companies offering Home Energy Ratings. Rating should be in the form of a numerical score from 1 to 100. An additional rating based on a range of one to five stars may also be given as well as an estimated energy cost. A higher score indicates greater efficiency. The rater will also identify upgrades that are considered “cost effective.” These types of upgrades will save more money through energy savings than they cost to install. A Home Energy Rating conducted by a certified professional will usually cost between $100 and $300. The cost of the rating may be financed as part of the mortgage, covered by the lender, or paid for by the owner.

Am I eligible for an Energy Efficient Mortgage?

Any buyer who can qualify for a home loan can qualify for an energy efficient mortgage. Energy efficient upgrades can be done on most homes, and the loans are available to anyone regardless of location, home value, or existing utility set up. Energy efficiency mortgages can be added to government loans or conventional loans. Your lender will determine your exact benefits based on your home energy rating. In general, an energy efficient mortgage is available for older homes that qualify for upgrades as well as for homes not requiring upgrades in some cases. New construction can also qualify, check with the U.S. Department of Energy, the Alliance to Save Energy, or the Federal Citizen Information Center for more details.

About the Author: Buying a home?

Refinancing your mortgage

? There are lots of reasons why you may need to talk to a mortgage broker about a mortgage. Make sure you do your research first. Get all the information you need at: http://www.refinancingright.com

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Innovator of synthesizers Robert Moog, dead at 71

Monday, August 22, 2005

Robert A. Moog, inventor, founder of Moog Music, and musical revolutionary, died Sunday at the age of 71 in his Ashville, North Carolina home.

Moog was diagnosed with brain cancer in April and underwent treatment for it.

Thoug Bob Moog is best knwon for his bringing of synthesizers into popular music and his appreciation for “the magical connection” between musicians and their instruments, Moog had a childhood interest with the theremin, an early electronic musical instrument. He developed his first synthesizer (the Moog Modular Synthesizer) in 1963, while still a Ph.D student at Cornell University. He was recognized with the Grammy Trustees Award for lifetime achievement in 1970.

Moog is survived by his wife and five children who have announced the formation of The Bob Moog Memorial Fund for the advancement of electronic music.

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Worker dies on bridge project in Toledo, Ohio

Friday, April 20, 2007

Andrew Burris, from Curtis, Ohio, and member of Carpenters Local 1138, died in Toledo, Ohio when the construction platform he was on fell around 9:15 a.m. EST. The platform was attached to the northbound side of the Veterans’ Glass City Skyway, a new bridge on Interstate 280. The platform was clamped to the side of the bridge, and broke off. Burris fell about 95 feet to the ground, where he landed on the east side of the roadway. Authorities from the Occupational Safety and Health Administration do not know why the platform broke free from the bridge. The Toledo Police department does not suspect foul play, and considers the death to be accidental. The $220 million bridge is scheduled for opening in June, 2007, and is the largest construction project in the history of Ohio.

“On behalf of Director Beasley and the Ohio Department of Transportation, we extend our deepest sympathy to the family of Andrew Burris,” said ODOT District 2 director, Dave Dysard. “We also extend our condolences to his relatives, friends and his fellow workers who have made us proud through their commitment and dedication to their work. Andrew was a part of the team that took the pylon to the top back in 2005. For four-and-a-half years, he was an integral part of the team that worked to complete this vital link for our community.”

This is the second fatal accident on the bridge. On Presidents’ Day in 2004, five workers were killed and four were injured when a crane collapsed.

Mr. Burris was from a line of carpenters, and kept a scrapbook of the project. His mother, Ruth, was quoted as saying “I think he felt closer to heaven there.”

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Woman returns home with Christmas turkey, a month after setting out

Tuesday, January 19, 2010

A Scottish woman who set out before Christmas to purchase a turkey finally made it home on Monday, after being cut off by snow for a month. Kay Ure left the Lighthouse Keeper’s cottage on Cape Wrath, at the very northwest tip of Great Britain, in December. She was heading to Inverness on a shopping trip.

However on her return journey heavy snow and ice prevented her husband, John, from travelling the last 11 miles to pick her up. She was forced to wait a month in a friend’s caravan, before the weather improved and the couple could finally be reunited.

They were separated not just for Christmas and New Year, but also for Mr Ure’s 58th birthday. With no fresh supplies, he was reduced to celebrating with a tin of baked beans. He also ran out of coal, and had to feed the couple’s six springer spaniels on emergency army rations.

“It’s the first time we’ve been separated”, said Mr Ure in December. “We’ve been snowed in here for three weeks before, so we are well used to it and it’s quite nice to get a bit of peace and quiet.”

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How To Choose The Best Spas In Denver

byAlma Abell

Are you in the mood to have a girl’s day at the spa? Do you love to be pampered, to get your nails done, your hair done, and just want to relax? What about a couple’s day along with a couple’s massage? Sounds great doesn’t it? If so, finding the best Spas in Denver will be essential to your overall experience. This article will discuss how to find the right spa resort for what you want and how to ensure that you are not paying an arm and a leg in order to get it.

First and foremost, when choosing a spa resort, check to ensure that they offer the services that you are looking for. Most spas offer the typical manicure, pedicure, and massage services. You can even get your hair done usually too. However, some spas offer more. Does a relaxing day include a round of golf for you? What about going for a swim or enjoying an evening of fine dining with your spouse or partner? If you are interested in any of these things, usually a high end spa resort will have them available for you. However, you should ensure that the spa resort offers them prior to booking an appointment.

Subsequently, after you have decided on which spa resort to go to, but before booking the day, check to see what kind of promotions they may have going on. Often times, for new customers, you may get coupons for things such as a certain percentage off your entire purchase or possibly even a complimentary round of golf. If you have been referred to the spa resort by a friend or family member, check to see if there are any added perks for you and the person who referred you. Having a great referral program can ensure that a spa resort keeps customers coming back and referring their friends and family.

In conclusion, booking the best Spas in Denver can be critical to having a wonderfully relaxing day. If you book one that is not right for you, you may leave unsatisfied and unhappy. If you would like to book an appointment, visit the website for more information.

Viktor Schreckengost dies at 101

Sunday, January 27, 2008

Viktor Schreckengost, the father of industrial design and creator of the Jazz Bowl, an iconic piece of Jazz Age art designed for Eleanor Roosevelt during his association with Cowan Pottery died yesterday. He was 101.

Schreckengost was born on June 26, 1906 in Sebring, Ohio, United States.

Schreckengost’s peers included the far more famous designers Raymond Loewy and Norman Bel Geddes.

In 2000, the Cleveland Museum of Art curated the first ever retrospective of Schreckengost’s work. Stunning in scope, the exhibition included sculpture, pottery, dinnerware, drawings, and paintings.

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Explosion in Turkey kills seventeen

Saturday, August 2, 2008

Reuters, AFP, the Associated Press are reporting that a gas explosion in a Turkish school killed at least seventeen girls Friday.

Reuters reports the initial death toll at sixteen, with 27 injured. The number of deaths later rose to 17 when a body was removed from the rubble. Two survivors were pulled from the rubble as rescuers worked into the night. One girl is still missing.

“We won’t stop until we find her,” village mayor Mehmet Demirgul, told the Associated Press.

About fifty students and teachers were in the school, where some had gathered on for Islamic study in the three-story structure in the village of Balcilar, near Taskent in the Konya province .

Merve Avci, a 13-year-old, slightly injured student spoke to the Anatolian news agency: “I was in the part of the building which didn’t collapse with five of my friends immediately after the explosion, and we felt flames rising from the downstairs to upper floors.”

Anatolian says that Avci was in the process of washing before pre-dawn prayers, when a noise in the building’s kitchen led Avci and some teacher to investigate. She says she saw a loose gas pipe before being ordered back to her room. She says she smelled gas coming from somewhere above her room before the explosion.

“We think the collapse was caused by a gas canister explosion in the building, given the burns on the injured,” Konya province health service official Galip Sef told Reuters.

Mayor Demirgul said a leak in a pipe carrying liquefied petroleum gas is the probable cause of the pre-dawn blast.

“We are hearing voices. I believe those inside the rubble will be saved,” Demirgul told reporters, according to the Associated Press and Reuters.

The Associated Press reports that a small portion of all three stories of the building were left standing. This is confirmed by images displayed on the Reuters website.

The building is owned by a religion foundation and is under investigation when Turkish authorities found an non-approved annex to the structure, according to AFP.

The explosion is unrelated to the bomb blast in northern Turkey on July 28.

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Ontario college teachers begin strike

Tuesday, March 7, 2006

All across the Canadian province of Ontario, college teachers have gone on strike, leaving more than 150,000 students in 24 colleges without classes.

The Ontario Public Service Employees Union rejected the final offer from college management, after negotiations at the Delta Chelsea Hotel in downtown Toronto.

This strike comes just a month before many student’s scheduled graduations. If courses are extended into the summer, to compensate for lost school time, students’ ability to maintain jobs to pay for their education would be severely limited.

“A prolonged strike would not only affect college students, but also have a ripple affect on the Ontario economy and workforce. Potential employers are expecting 44,000 new graduates and 100,000 returning students to enter the workforce this May, families have made summer plans, and some seasonal businesses may experience a significant loss if the school year does not finish on time,” says Tyler Charlebois, Director of Advocacy for the College Student Alliance. “I hope for the sake of Ontario, the provincial government takes this situation as seriously as we are and takes action as necessary.”

OPSEU was asking for more teachers, smaller classes, and more faculty time for students. A strike vote was 80.4% in favour of action. Humber had the least support for the strike, with only 67.0%, followed by St. Lawrence with 67.7%. St. Clair, Boréal, Centennial, and Sault all had more than 90% support.

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Ranjan Bhattacharya: Learning From The Property Educator}

Ranjan Bhattacharya: Learning from the Property Educator

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[youtube]http://www.youtube.com/watch?v=eZO71a5Ofcg[/youtube]

Having the right knowledge and using a proven property investment system are essential for success. That is how full-time property investor and developer Ranjan Bhattacharya sees it. Having spent the last 17 years building his own property investment empire in the UK, he possesses the distinctive ability to understand and make profits in almost every property market cycle.

The unique perspective has enabled the founder of YourPropertyEmpire to come up with a proven property investment system that could help investors profit from property in any stage in the cycle of the property market. Investors who want to follow the trail of success he created may want to know what advice he can give to property investors who also want to make it big.1. The property market still has room for investors who are interested in taking a piece of it. As long as people need roofs over their heads, property is considered a sure bet.2. It is not hard to find properties that can produce significant cash flow. Just as long as you know where to look and how to find them, you won’t have trouble locating positive cash flow properties. First, you have to have the ability to recognise the opportunity when you see one.3. There are basically two ways you can make money in property. First is through capital gains. There are many property investors who are enjoying capital gains, some of which have been very sizeable, thereby, creating the idea that it is the foremost reason for possessing property. The second way is via cash flow from rental returns, which provide a superior degree of certainty and security compared to the speculative type of opportunity in capital gains.4. Buy properties when sellers are willing to negotiate. Buying property depends on the general market trend, current interest rates and the type of property you are looking at. But the best time to purchase property is when demand is low, property prices are either stable or falling, and when houses are taking a long time to sell.5. Buy average properties. When you buy property to be rented out, you have to make sure that they are not bottom-end or top-end properties. You can instead buy average properties in average areas which you can then rent out to average tenants at average rents. Usually, the individuals who rent these properties are solid, working folks who earn average salaries.These nuggets of advice are just a peek into what Ranjan Bhattacharya can provide property investors who want to take advantage of what he has to offer through his bestseller Build Your Property and his home study courses. Through the literature he provides, property investors will be able to learn all the information they need about investing in property and the ways to do it to make them effective property investors and developers.

Parmdeep Vadesha is a property investment expert and founder of the largest community of property entrepreneurs on the web who buy below market value properties from distressed homeowners facing repossession, divorce and bankruptcy. He writes a monthly newsletter for over 70,000 property investors worldwide – http://www.Property-System.com

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Ranjan Bhattacharya: Learning from the Property Educator}

Health organisations respond to Ebola outbreak in Democratic Republic of the Congo

Sunday, September 16, 2007

The World Health Organization (WHO), non-governmental aid organisation Médecins Sans Frontières (MSF), and the U.S. Centers for Disease Control and Prevention (CDC) have sent experts to the Democratic Republic of the Congo (DRC) to assist local health authorities with a recent outbreak of Ebola haemorrhagic fever in Kasai Occidental province of DRC. The illness had been unidentified until laboratory test results confirmed the presence of the virus.

DRC President Joseph Kabila described the situation as being contained. “The village of Kampungu has been quarantined to prevent population movement towards Kananga,” Kabila said on Thursday. Kananga is the provincial capital. “The situation is at the moment, I cannot say under control, but at least the problem has been contained very well in the area,” he continued. “There is no risk that the whole country will be affected.”

WHO is working closely with officials from the DRC Ministry of Health and MSF to improve local facilities in order to better contain the virus. A mobile field laboratory is to be established in order to provide rapid sample analysis and, subsequently, diagnosis of patients. There are concurrent outbreaks of other diseases, such as dysentery (Shigellosis), that have been complicating diagnoses and need to be identified as well.

Ebola haemorrhagic fever generates mortality rates in the range of 50 to 90 percent, typically. There is currently no vaccine or effective treatment for Ebola. WHO describes the symptoms of Ebola as being “characterized by the sudden onset of fever, intense weakness, muscle pain, headache and sore throat. This is often followed by vomiting, diarrhoea, rash, impaired kidney and liver function, and in some cases, both internal and external bleeding. Laboratory findings show low counts of white blood cells and platelets as well as elevated liver enzymes.”

MSF, who now have 14 experts in DRC, arranged for eighteen tons of supplies, such as medical and sanitation material, to be delivered to the province of West Kasai. MSF indicated that the transportation of supplies from the airport to the affected areas has been a challenge, due to poor road conditions. It has taken up to three days to travel the 250 km to the outbreak area from the provincial capital city, Kananga.

MSF experts will provide advice on sanitary burial procedures, which would include the use of body bags and spraying. Both the WHO and MSF will disseminate information to the local population regarding the transmission of the virus and measures that could be taken to reduce the spread of the disease.

The MSF emergency team coordinator in Kampungu, Rosa Crestani, described the isolation ward set up at Kampungu’s health centre. “Our isolation centre is basically divided in three parts. One is completely isolated, where the sick patients are; another is where the staff dresses with the complete protection uniform and then undresses after having been in contact with the patients; and the third part is a space for disinfection in between,” said Crestani. “In the coming days, we will decide with the Ministry of Health and the WHO whether we set up isolation structures in other locations of the health zone.”

Neighbouring countries, such as Rwanda and Zambia have issued alerts to their citizens, warning of travel to and from DRC. Zambian Health Minister Brian Chituwo stated that all people coming into Zambia from DRC will be watched for symptoms of Ebola for up to eight hours. Chituwo noted, however that it would be unlikely for an infected person to travel into the country, as the time between onset and death is very rapid and that the symptoms are severe.

There has been a minimum of 395 people affected by haemorrhagic fever, including 160 deaths, in DRC in the past few months. Since arriving in Kampungu in early September, MSF have seen 25 patients admitted with suspected Ebola haemorrhagic fever, of which eight have died.

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