Your house is one of your most valuable assets. To prove that you own your house some day (like when you want to sell your house), you need to show your deed of ownership. If you lose your deed of ownership, this could be a problem. To help protect yourself in case you lose the original deed document(s), you might want to consider making an electronic copy of your deed document(s) and keep them on a CD, DVD, flash drive, folder on your computer, cloud storage, etc.
If you happen to have your deed document(s) in a safe deposit box, you should know that the safety deposit box is not FDIC insured. So, if there is a flood in the vault where you safety deposit box resides and ruins your deed document(s), the damage is not insured and you may have a lot of difficulty and expense getting new deed document(s). So the above mentioned electronic storage options may help you retrieve the deed document(s) more readily and possibly at a lesser cost.
Sunday, April 28, 2013
Friday, April 26, 2013
Sunday, April 21, 2013
If you are looking for a specific types of plants, trees, shrubs, perennials, annuals, etc., you might consider looking at www.epa.gov/watersense/. The site gives you suggested plantings for your state for various different types of plantings.
Source: Consumer Reports, May 2013
Source: Consumer Reports, May 2013
Saturday, April 20, 2013
Here are some airline ticket purchasing tips:
- When traveling around July 4th or another busy weekend, start looking for tickets early - about 10 weeks beforehand in most cases.
- For Thanksgiving ticket purchases you may need a month more than that.
- The best time to shop for tickets is Tuesday afternoon since most domestic sales launch late Monday and are soon matched by rivals. For non-vacation destinations, buy on a weekend.
- For reassurance that your timing is right, take advantage of travel search engines special features such as: Kayak.com's new Price Trend and Bing.travel.com's Price Predictor which will forecast whether fares are headed up or down.
Thursday, April 18, 2013
Here are some ideas that you might consider incorporating:
- In your refrigerator do not put delicate foods like lettuce near the vent, the lettuce might freeze.
- To save money on printing from you printer, avoid the Arial font since it uses more ink than Times/New Roman and other fonts. Besides using Times New Roman, Calibri and Century Gothic also uses less ink than Arial. Minimize the use of color ink by printing text in gray scale or use black only mode.
- If you cannot log into your computer, always check that the Cap Lock is not on, which scrambles your password.
- If your printer has a "standby" timeout (most do), leave it on; do not shut it off after each use. If you leave the printer on, the printer uses only a tiny amount of power that way (about one watt). It has been found that some inject printers waste more ink getting ready to print when switched on than when left in standby uses.
- If your computer hard drive is more than half full, programs and other disk operations like copying and back up will slow down. That is a reason to pick a hard drive with more capacity than you think you will need when you buy a new computer.
- Smart phones meed a fresh (re)start. The phones are actually full-fledged computers and need to be restarted every few days to purge memory reserved by programs no longer running and to fix glitches hat can hinder performance.
- To quickly find information about the new product that you bought, download the manual, then use :Control F" ("Command F") on a Mac to search for a particular word, etc.
- Do not bother using nitrogen in your tires to keep tire pressure. It seems to be a waste of money. Air is about 80% nitrogen anyway, and air or nitrogen will leak out of the tires over time.
- Never wash or rinse raw chicken in the sink. You might splash germs around the kitchen and risk food poisoning.
- If your gear does not start, unplug it or otherwise reboot it and start over.
- To save money on airfare, shop on line on weekdays, specifically from Monday evening about 8:00 PM EST to Thursday 8:00 PM EST. Supposedly the best time of all is 3:00 PM EST Tuesday.
- To clean the lens of your smart-phone, use a microfiber cloth.
- To conserve your smart-phone battery, seek strong signals and do not bury the phone in a desk since the phone uses more power trying to access a weak signal. Turn off Wi-Fi, Bluetooth, and other wireless access when you are out of range. Reduce screen brightness. Cut the number of times you allow updates of news, e-mail, and other network feeds.
- You do not need to pay for high-definition TV calibration. DIY as follows: 1) Use your typical room lighting 2) From a DVD or DVR video freeze on a frame with a face and some detail 3)Press the menu button on the remote to find picture mode 4) Try the options such as THX mode, Cinema, Movie, and Pro. See which provides the most natural looking picture.
- Many electronic devices draw power when they are off or in standby mode. You could save approximately $125 a year by pulling the plug or turning off the power strip they are plugged into.
- Use your Android Power Control widget which lets you turn Wi-Fi, Bluetooth, GPS and Sync off and on, and adjust screen brightness. It does help to save the battery life without having to search through Settings.
- All charged cell phone - even those with expired service contracts - are required by law to be able to make an emergency 911 call. So do have a cell phone charge at all times.
- Do not use cooking sprays on your nonstick pans. The spray can build up and actually cause food to stick. Instead use nonstick pans on low or medium heat without spraying them.
- Synthetic paintbrushes and rollers tend to hold latex-based paints better and apply more evenly that those with natural materials.
- Cut down on your cell phone's data charges by using a W-Fi network.
- To clean your computer screen, put a drop of dish washing liquid on a soft, damp, lint-free cloth and wipe the screen. Non-ammonia-based glass cleaners are OK also. Do not use ammonia-based cleaners.
- Do not pay extra for ID-theft protection for your credit card. If your card is stolen, federal law limits your liability to $50. If your card number (not the card itself) is stolen, you are not liable for anything.
- Bug repellents that contain deet (25% is best) are excellent repellents.
- If you ever have to tame a runaway car do the following: Press and hold the brakes and shift the transmission into neutral. Then use your brakes to bring the car to a stop on the side of the road and shut off the engine. Shift the car into Park.
Source: Consumer Reports, May 2013, Page 15, Article - 101 Secrets From Our Experts
Monday, April 1, 2013
Here are some new ideas for household items:
- Mix cream of tartar with a little water or vinegar to tackle tough stains like that grubby grout in the shower
- Run dryer sheets along your baseboards to repel dust, dirt, and pet hair. They are also handy for cleaning pet hair off of furniture
- Shave your legs with a thin layer of olive oil. You will get a closer shave with less razor burn, plus your legs will be silky smooth
- Mix 1/2 cup water and 1/2 cup vinegar in a microwave safe mug or bowl, and heat until it boils. This combo melts away gross stains and food so that you can easily wipe your dirty microwave clean
- Fill a coffee filter with potpourri or baking soda and close with a twist tie. Throw these cheap and chemical free air fresheners i in drawers, cars, closets, or wherever
- Remove a tricky splinter by soaking your finger in Epsom salt and water. Epsom salt forces the splinter to the surface of your skin for quick and painless removal
- Rather than bringing harsh chemicals into your home, sprinkle cinnamon to drive away ants
- Treat blemishes overnight with a dab of honey covered by a bandage.
Source: Make It Better Magazine March 2013
Here is how you can be productive with produce:
- Use the inside of a banana peel to shine shoes
- Add a banana peel to a roasting pan to help tenderize meat
- Put cucumber peels in spots to repel household insects
- Put cucumber peels in a bath to soften skin
- Rub a cut potato over mud stained clothing before laundering
- Use lemon peels to polish chrome
- Add lemon peels to the kindling in your fireplace for a pleasant scent
Source: AARP Bulletin March 2013