Gene's Bit of Blogging
Home Services
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Gene Mundt, Sr. Vice President - Chicago Bancorp: Posted on Tuesday, January 03, 2012 4:00 PM
Seeing the Light ... a Simple Guide to
New Light Bulbs
Back in 2007, a new law entitled, "The Energy
Independence and Security Act" was signed.
It was expanded upon in 2010. As
a result, new requirements and efficiency standards were placed in line for the common light bulb.
Well, I walked
down the light bulb aisle at Home Depot about a week ago and Wow! Talk about confusing! So over this
weekend, I did a little reading ... and I thought I'd share what I
found. Hopefully it will prove
beneficial to you and the links provided will serve as some guide when you're
shopping for light bulbs next time.
First: The bulbs that are being phased-out are the
four most common incandescent bulbs used ... the 40-watt, 60-watt, 75-watt, and
100-watt bulbs. Sales and supplies of these
bulbs will not automatically cease upon the implementation date of the new
standards. Stores will be able to sell
their existing supply of 100-watt incandescent bulbs until they're out of
stock. Manufacturers will not be able to
produce any more of the bulbs, based on their old energy-emitting standards
beyond the law's implementation date.
Second: Forget the old standard terminology. What you need to know and understand now is
"lumens". New light bulb
packaging will be required to display "LIGHTING FACTS". This should be helpful to you while trying to
make a comparison of products and buying.
Here's a handy guide that will help you replace your old wattage bulbs
with those rated on lumens:
- To replace a
100-watt incandescent bulb, look for a bulb that gives you about 1600 lumens.
If you want something dimmer, go for less lumens; if you prefer brighter light,
look for more lumens.
- Replace a 75W bulb
with an energy-saving bulb that gives you about 1100 lumens
- Replace a 60W bulb
with an energy-saving bulb that gives you about 800 lumens
- Replace a 40W bulb
with an energy-saving bulb that gives you about 450 lumens.
Third: Other terminology that will now become
important refer to the bulbs appearance as "warm" or
"cool". The bulb you choose
for a specific location will most likely be based upon your personal taste for
these conditions of lighting.
Fourth: You DO stand to save energy and money through
replacement of your old bulbs with the new.
But how much?
Below is a
rule-of-thumb guide, as to those savings:
- Energy Saving
Incandescents — about 25% energy savings
- CFLs — about 75%
energy savings
- LEDs — about 75% –
80% energy savings
It's estimated
that an ENERGY STAR CFL bulb typically
lasts up to 10 times longer than your old traditional bulbs. And ENERGY STAR qualified LED bulbs do even
better, lasting as much as 25 times
longer.
Yes, these new
more energy-efficient bulbs cost more initially. That can't be argued. But if you truly realize the savings
predicted above over the life of your new bulbs ... you'll be hearing
"cha-ching"!
Fifth: So you make the decision to replace your old
bulbs and invest in new, more energy-efficient ones. What other information regarding the new
bulbs will be helpful moving forward?
Because CFL's
(Compact Fluorescent Lights) contain a small amount of mercury within them, at
the end of their lifespan, these bulbs should be recycled. That recycling can be accomplished in a
variety of ways, but below are your most convenient and accessible.
Just a note too
... ENERGY STAR-qualified bulbs earn a ENERGY STAR label by meeting the energy
efficiency requirements set forth in ENERGY STAR specifications. ENERGY STAR is the government-backed symbol
for energy efficiency helping us all save money and protect the environment
through energy-efficient products and practices. They provide a replacement program to protect
your purchase, should the bulb you buy not work. This is a feature that could be very helpful
and cost-wise, given the upfront expense of the new bulbs.
Also, please note that not all
bulbs are being phased out. Be aware
that the following are not effected by the new law. The Energy Security Act focuses primarily on
"general service light bulbs."
A long list of specialty light bulbs, including plant lights, bug
lights, appliance bulbs (such as refrigerator lights), colored
"party" bulbs, rough service, 3-way incandescent, and candelabra base
bulbs are presently on the exemption list.
Some of exceptions will be reassessed in 2020.
I hope the above
information "sheds some light" on the topic of the new federal
standards surrounding light bulbs for you.
* Taking steps to save money is always wise. Why not see if you can save money within your present home by refinancing ... or buying a home VS renting. It costs you nothing to inquire and get the answers you need. Contact me today! I'll be happy to talk over your personal financial scenario and seek a money-saving solution for you. I can be reached through any of the following means: Direct: 815.277.4036 Cell/Text: 708.921.6331 Skype: 630.219.1316
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Margaret Goss, Baird & Warner Winnetka, IL - Guest Blogger: Posted on Wednesday, November 09, 2011 11:57 AM
The Rat That Stole the Show
Home Sellers - this is a cautionary tale told at time when
buyers are skittish and homes for Squirrelsale are aplenty. If your home does not meet their standard
they will bolt and head to the next home or the next one after that. Your domino tiles have to be lined up
perfectly.
This week a colleague had an inspection of a home in the
North Shore - she was representing the buyers.
Their biggest worry was that the house had a dryvit exterior (also known
as a synthetic stucco) and that was what they wanted their inspector to focus
on. He never got that far.
He headed to the attic first and came back down with some
stunning news. The attic was infested
with creatures - maybe they were rats, squirrels, possums, raccoons, who
knows? It didn't matter - the insulation
was shot - completely burrowed through with animal feces and fur, and animals
quickly scurrying away. Suddenly, the buyers didn't care about the dryvit -
they canceled the inspection and they canceled the contract. They have already moved on to several other
homes they like. End of story.
Ruined attic insulation. But is it? Does it have to end this way?
Are you thinking about selling your home? Is your home currently for sale? You will have the best shot at selling it if
it priced right - that is the NUMBER 1 consideration you have. This is not the time to test the market or
not be fully motivated in your desire to sell.
But at the same time, even a very compelling price can't
undo the negative perception that an attic full of woodland animals will
create. Years ago, a buyer would have
asked the seller to remove the animals, clean the space, and replace the
insulation. The sale would have probably
been consummated. Not so today. The tipping point is much lower than it used
to be and the only way to prevent a lost sale is make sure your house has no
surprises.
Consider getting your house pre-inspected by a certified
Illinois inspector. The cost of the
inspection varies depending on the size of your house and the inspector you
use, but generally they range from $400 to $800. It is money well spent compared to the cost
of not being able to sell your house. If
you find a problem you can mitigate it for much less than a buyer would
demand.
Yes, the buyers will still conduct their own inspection -
but you can rest easy that the rats won't steal your show.
If you are thinking about selling your Winnetka or North
Shore home, please call me. I'd be happy to discuss and recommend good
certified inspectors.
I sell homes in the following areas:
Margaret Goss GRI, CRS Baird & Warner, Winnetka IL 847-977-6024
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Buying a Home, Real Estate, Real Estate Advice, Chicagoland, Localism Posts, Home Services, Home Improvements and Curb Appeal, Maintenance and Upkeep of Your Home, Selling Your Home, First-Time HomeBuyers, Education, Working with a Real Estate Professional, Real Estate Professionals, Helpful Hints, Home Maintenance & Repair, home buying, Home Ownership, Deciding Which Home is Best to Buy, Home Inspections, Winnetka and North Shore
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Jane Peters, Los Angeles Real Estate - Guest Blogger: Posted on Wednesday, November 09, 2011 11:34 AM
If You Are Thinking of Buying a Los Angeles Home, Rein in your Holiday Spending
As a mortgage lender, I cannot applaud the message in this blog by Jane Peters (Los Angeles Real Estate)loudly enough or counsel you to heed it any more urgently ... whether buying in Jane's area of expertise, Los Angeles ... or or in mine, the Chicagoland area.
Especially heading into the holiday season,
the temptation to buy or open up new credit can be great. For those
buying a home, contemplating doing so, or those just recently closed
on their loan ... adding to your debt, opening new lines of credit, or
even simple credit inquiries can prove catastrophic and lethal to your
transaction.
Heed the advice that Jane Peters offers within her post.
Listen to your mortgage lender too. Put your purchases and new credit
applications on the back burner and out of your mind until you have
achieved the goal you are seeking ... that being your new home at the
best purchase price and interest rate possible.
Working with professionals that will
advise you prior to, throughout, and after your home buying transaction
is vitally important. In Los Angeles, that professional is Jane Peters, Los Angeles Real Estate ... Gene
You are excited about buying a Los Angeles home and have been very good about keep your credit immaculate. However the holiday season looms putting your hard work in jeopardy.
Your
shopping list sits in front of you beckoning. You are probably not
going to pay cash for all those gifts, or write a check.
You may open
store credit, apply for a new credit card, or simply jack up your
balance on your existing credit card. Too many enquiries on your credit
in a short period of time is going to cause your credit score to drop.
Simple opening a new line of credit can cause your score to drop by 52
points and raising your credit card debt can also decrease your score by
around 68.
This drop in score can cause a potential homebuyer to miss out on getting the best mortgage rate. If you are thinking of buying a Los Angeles home, The Mortgage Reports advises
caution, especially during the holiday season.
Don't open any new
lines of credit, finance any expensive purchases, increase your credit
limit, or make any other rash financial moves.
Buying or Selling Los Angeles Real Estate:
Buying or selling a Los Angeles home can
be a daunting process in a city this size, especially if you're new to
L.A. Town. You'll need a resident expert to show you around and help you
narrow down the areas where you might like to live. I will help you
find the perfect home in the right area to fit your lifestyle, budget
and needs!
When I list and sell Los Angeles homes for
my clients I strive to make the experience a pleasant one. My mission
is to provide outstanding service while utilizing the best practices and
systems available.
If
you are an absentee owner, you'll need someone to handle all the
details that you can't handle remotely. That's where I come in - I'm
there when you can't be. I also specialize in lease property in Los Angeles.
For more information on how I can best serve your Los Angeles real estate needs, don't hesitate to fill out the contact form or give me a call at 310-473-6919.
Jane Peters, connecting you to the L.A. real estate scene.
Buying or selling real estate in Los Angeles can be an overwhelming process.
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Credit, Buying a Home, Credit Reports/Fico Scores, Real Estate, Real Estate Advice, Localism Posts, Home Services, Selling Your Home, First-Time HomeBuyers, Buying or Renting, Debt, Mortgage Closing Costs, Education, Rental Properties, Credit Counseling, Real Estate Professionals, home buying, Home Ownership, Los Angeles CA agents and realtors, Los Angeles Home Buying, Los Angeles rental properties
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Gene Mundt, Sr. Vice President - Chicago Bancorp: Posted on Wednesday, June 29, 2011 8:02 PM
The Chicago SunTimes says 100. The Chicago Tribune/WGN's Tommy Skilling says 100 too! What am I talking about? The Chicagoland weather forecast for this week! That means heat and dangerously high temperatures. It also means sunshine. Lots and lots of sunshine. Two of summer's most potentially damaging health issues can result from heat and sun. A cool, comfortable place to stay during extreme temperatures is a must for Chicagoland residents and visitors. The State of Illinois' "Keep Cool" Campaign makes over 120 state facilities available as cooling centers. Cooling centers are open throughout normal business hours (8:30 am to 5:30 pm, Monday through Friday) at these facilities. Extra information is available by calling the Illinois Department of Human Services hotline at (800) 843-6154. Many park districts, libraries, churches, community centers and more are available as cooling centers throughout Chicago and Chicagoland communities. If looking for a cooling center in your community, please check with your local village hall or police station. They should be able to direct you to the nearest center or to those that can provide assistance. If you know of seniors that live in your area, please ... check on them periodically to make sure they are safe and comfortable throughout this heat wave. They are among the most sensitive to high temperatures and the health damage it can cause. Additional info on the "Keep Cool" Illinois campaign can be viewed at: http://www2.illinois.gov/KEEPCOOL/Pages/coolingcenters.aspx. The second health issue surrounds the protection of your eyes to high-intensity light. The sun's ultraviolet (UV) rays can severely damage the lens and cornea of your eyes. Those that work outside are particularly susceptible, often getting cataracts. Should outdoor work be near water, concrete, or sand ... the light bouncing off these surfaces can be especially damaging. Sunglasses are a must and should be worn whenever outdoors, whether in hot, mild, or cold weather. How do you know what sunglasses protect your eyes best though? When shopping for sunglasses, pick those that offer the following: - Full protection against the UV rays ... both UVB and UVA. That means the lenses block either 99% or 100% of these rays.
- Also make sure that the lenses meet the standards of the American National Standards Institute.
- Lenses that block light rays with wavelengths of up to 400 nanometers (UV 400).
- Gray lenses. Sunglasses with gray lenses cause the least color distortion when worn.
- Polarized lenses. Polarized lenses address reflected glare issues, improving the ability to see.
- Wraparound sunglasses protect you best. They block light from entering from the side and hitting your eyes.
- Larger lenses are recommended for the same reason. Coverage from brow to cheekbone is best.
Adding additional light coverage is good. Wearing a hat with a protective brim, along with sunglasses, will block sunrays more completely from hitting both skin and eyes. Sunlight is at its' strongest and most intense between the hours of 10 am to 4 pm. Limiting exposure during those hours, if possible, is wise. Contact lenses are now created that can protect eyes from UVA and UVB light too. Check with your eye doctor to make sure that any contacts you have are recommended by the American Optometric Association. Sunglasses should be worn from early ages on. Just like being in a carseat, toddlers/youngsters should learn that sunglasses are meant to protect them and are a necessary piece of "equipment". Children's sunglasses should follow the same guidelines as adults. To make it more enjoyable for kids to wear sunglasses, let them choose something that is protective, but fun. Enjoy the warm weather, but protect your health, eyes, and each other throughout the hot days ...
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Gene Mundt, Sr. Vice President - Chicago Bancorp: Posted on Friday, May 13, 2011 1:44 PM
Will County, IL OfferingElectronic Recycling Pick-Up Service to its Residents Will County, IL residents now have the benefit of a new electronic recycling pick-up service available to them. This new pilot program is FREE to all residents that reside within the WillCounty communities of: Aurora, Bolingbrook, Crest Hill, Elwood, Homer Glen, Joliet, Lemont, Lockport, Minooka, Naperville, New Lenox, Plainfield, Rockdale, Romeoville, Shorewood, Wilmington and Woodridge, IL. This new program is expected to expand its services to allWill County residents by the end of the year 2011. Will County ... along with Vintage Tech Recyclers out of Romeoville, IL ... will accept electronic recyclables. Vintage Tech is working with electronic manufacturers to make funding for this program possible. Will County, IL is presently preparing new legislation that will establich electronicrecycling sites within its borders. This pilot program is the first FREE household pick-up service offered within the State of Illinois. Electronics accepted by Vintage Tech Recyclers/Will County are: Computers, laptops, monitors, printers, TV's, all types of telephones, answering machines, computer mouse devices, keyboards, zip drives, computer cables, string lights, microwaves, fax, scanners, MP3s, PDAs, video game consoles, video cassette players/recorders, and DVD players. A limit of 10 items per service call is enforced. Additional service calls must be arranged for additional items. Pick-up is made to first-floor entrances only. For anyone living in apartment residences .. or for those without front-door access, please contact the Will County Land Use Department, 815.727.8834 for additional info. This department may also be visited via their website at: http://willcountylanduse.com/ This new program was developed to address the changes made by the Electronic Products Recycling and Reuse Act, passed by the IL General Assembly during 2008. That Act designates that landfills within the State of IL will no longer accept many electronic materials. This new Will County, IL program has been up and running since April 1, 2011. * Should you need help and guidance regarding the financing of a new home ... or refinancing your current home in Will County, please contact me today at: Direct: 815.277.4036 Cell/Text: 708.921.6331
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