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Five money-saving tips for boomers and seniors: Easy ways to reduce costs without sacrificing quality of life

Posted on May 29, 2013

Many Americans are in the process of reassessing their spending patterns, and boomers and seniors are no exception. Seventy-three percent of adults over age 50 started saving more or cutting back on spending last year, compared to 2010, according to a November 2011 report by the AARP.

In many cases, the new spirit of frugality is not necessarily born out of financial necessity, but also out of a desire to simplify life, avoid excessive consumption and focus on what’s really important – family, friends and community.

If you’re an adult over 50, maybe you’re exploring the hidden treasures of your own region instead of taking exotic vacations. Maybe you’re barbecuing with friends in the backyard instead of going out to eat. Maybe you’re spending more time playing with your grandkids instead of buying them the latest electronic gadgets.

In short, you’re trying to cut back on spending without sacrificing quality of life.

Here are five tips to help.

Examine recurring expenses. It’s easy to overpay for utilities and other recurring expenses if you don’t periodically review your options and make sure you’re getting the best deal. Many utility companies offer senior discounts, for example, but you have to ask. Also consider a lower-cost no-contract cellphone plan. Consumer Cellular, for example, offers a variety of affordable no-contract voice and data plans that can be changed without penalty at any time. You’re never locked into a plan that forces you to pay for more service than you need, and complementary usage alerts mean you don’t have to worry about accidentally exceeding your maximum allowance. Flexible family plans where couples and families share minutes can save an additional $20 to $30 per month.

Increase energy efficiency. Another way to reduce your bills is by increasing the energy efficiency of your home. You can unplug battery chargers when not in use, turn off appliances rather than leaving them in standby mode, use energy-efficient light bulbs and turn off the lights when you leave a room. If you’re able to invest a little to ensure longer-term savings – whether through weatherproofing or upgrading aging appliances – you can schedule an energy audit to find out how to get the biggest bang for your home-improvement buck.

Be a smart shopper. If you’re not into clipping coupons, that’s OK. There are other ways to save. For example, try store-brand products rather than automatically reaching for the brands you’ve always purchased – in many cases, you won’t be able to tell the difference. Buy in bulk if you use large quantities of something. Watch for sales on items you purchase regularly, but don’t buy something just because it’s on sale – if you wouldn’t have bought it otherwise, you’re not saving money. For bigger-ticket items, be sure to comparison shop to make sure you’re getting the best price. Websites such as pricegrabber.com allow you to research numerous retailers without leaving your home.

Take advantage of free entertainment. Wondering what to do this weekend? Low-cost, or sometimes free, options are abundant. Check the events sections of local newspapers and websites to see what’s happening in the area – festivals, exhibits and other special events are often free, and high schools and colleges frequently host sporting events, plays, concerts and lectures that are open to the public. Libraries are also an excellent source of free entertainment – you can try out new authors, artists and genres with no risk by borrowing books, audiobooks, DVDs and CDs instead of purchasing them. You might even meet some interesting people while you’re out and about in the community.

Reassess your gift-giving habits. If you’ve ever found yourself rushing to the mall to buy a last-minute gift for a loved one’s birthday, chances are you’ve spent more than you originally planned, settled for something you suspected the recipient might end up exchanging, or avoided the decision by purchasing a safe but impersonal gift card. However, most of us don’t really need more things. Instead, consider giving your loved ones the gift of a shared experience. If your grandson loves animals, take him to the zoo. If your sister is into jazz, take her out for an evening at a jazz club. Of course, you might not end up spending less money this way – experiences come in all price ranges – so do keep your budget in mind. The point is that instead of wasting money on something that might just sit in the garage for years, you’ll enjoy a meaningful experience together. And that’s what quality of life is all about.

Start enjoying your deck after one day’s work

Posted on May 29, 2013

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Most deck owners know that one of the keys to keeping their decks looking good is staining it every few years. However, while deck staining is a process that most homeowners are capable of doing themselves, finding the time to do it can be difficult. With the right approach and the right products, you can get everything done in just one day and spend the rest of the year enjoying your newly stained deck.

By perfecting your process, you can take staining from something that you dread to a simple one-day process. Here’s a step-by-step guide to getting your deck looking good in a day:

* First, choose the look you want to project on your deck. Do you want a clear, semi-transparent or solid finish? Do some research to see which type of wood stain would look best on your deck. Clear finish generally looks better on newer wood, while a solid finish might be used on older decks to hide imperfections. If you are looking for the solution that will allow you to accomplish your project in one day, you’ll need to choose a product like Flood OneCoat Waterproofing Finish, which can be applied within a few hours of cleaning the surface.

* Always know your deck’s square footage before heading to the store to buy stain. Don’t estimate, because nothing is more frustrating than having to stop your project because you ran out of stain – Flood.com offers a handy calculator so you can get an idea of how much you might need. Make sure you also have all the necessary supplies before leaving the store.

* Before the day you stain, examine your deck to see if there are any necessary repairs that should be done. If your deck is squeaky, it’s likely due to loose nails. Replace loose or missing nails with deck screws, as hammering a nail into the same spot won’t fix the problem.

* Once you have all the supplies, check the weather report and pick a day that’s good for staining. Required temperatures will vary but it should set for at least 48 hours without a threat of rain.

* Remove everything from your deck and use a wood cleaner to clean and prepare your surface. Decks that are in good condition can simply be cleaned before staining. But if your deck is peeling, has mildew growth or experiencing other surface irregularities, it’s best to strip it before staining.

* If you’re using Flood OneCoat Waterproofing Finish, you can begin staining a few hours after you prepped the surface. Quick tip: If you’re using multiple cans of stain, mix them together for color consistency and continue to stir throughout the process.

* Work the entire length of each board and make sure you are applying evenly throughout. If you are working on a vertical surface, start at the bottom and work up to avoid streaking.

* Take your time to do a thorough job, but make sure you use only as much stain as the directions call for. Especially when working with oil products, using too much can ruin the look of your deck.

It’s important to note that for larger decks, or decks that pose unique challenges such as numerous hard-to-reach areas, the process could take longer than a day. But by following these steps, you’ll ensure that your deck will be looking great in less time and with less hassle.

Once you’ve finished staining, dispose of any extra stain or cleaner as directed by the instructions on the can and let the deck dry for the prescribed amount of time before walking or placing items on it. In no time, you’ll be enjoying your deck for the seasons to come.

For more deck staining tips, helpful tools and videos and help finding a home improvement retailer near you, visit www.flood.com.

For Sale – 405 Zena Lona St NE #B

Posted on May 28, 2013

Charming and affordable home. A commuters dream, easy freeway access to shopping and restaurants.

Three ways to give energy savings the green light in your home

Posted on May 22, 2013

Red means stop, green means go – we learn that axiom as children. When it comes to home energy costs, however, going green can help homeowners put a stop to runaway utility bills. And maximizing your home’s use of natural light – call it green lighting – is a great way to boost your home’s energy efficiency.

Here are three ways you can put Mother Nature to work, and use natural light to lower your energy costs:

Minimize use of artificial lighting

Anyone who’s ever paid an electrical bill knows that the simple act of turning on a light can directly impact your monthly expenses. Homeowners looking for a long-term way to power down their lighting costs may consider Energy Star-qualified skylights a good investment. While skylights’ cosmetic appeal can’t be argued, their value goes far beyond good looks.

By admitting natural light into your home, skylights can help reduce use of artificial light sources – and help you save on electricity costs. Pair powered venting skylights that come with automatic rain sensors with efficiency-enhancing accessories like designer blinds (available in a varied palette of colors and patterns), and you can improve energy efficiency as much as 37 percent, according to skylight manufacturer Velux America. And, with tubular products like Sun Tunnel skylights, you can even bring natural light into ground-floor rooms or spots where a traditional skylight may not work, such as a first-floor powder room, hallways, or walk-in closets.

Reduce hot water costs

Long gone are the days when solar powering your home was an idealistic, but impractical dream. Solar technology is more useful, accessible and cost-effective than ever. Solar water heating systems are becoming mainstream, and offer homeowners a great, green way to trim energy costs. What’s more, the cost of installing these systems has been steadily declining as the technology advances, and you may find adding one makes you eligible for tax credits or incentives from your local, state or the federal governments. You can calculate the costs and possible paybacks online at www.veluxusa.com.

Make home a healthier place

Every year, ill health costs the U.S. economy billions of dollars, experts say, and your own health woes can have a significant impact on your pocketbook. The health benefits of natural light are well-documented, from reducing the symptoms of Seasonal Affective Disorder (SAD) and promoting the body’s production of Vitamin D, to improving mood and even learning ability.

Simply opening blinds and curtains to admit more natural light can directly affect the mood inside your home – not to mention the mental state of the people living in it. Take your green lighting efforts to a higher level by adding venting skylights, and you can also help improve the air quality inside your home. While skylights admit ample natural light, their natural chimney effect works with your windows to bring in and circulate much more healthful fresh air. They also passively vent fumes and dampness that can lead to mold and mildew.

By incorporating natural light and passive ventilation into their home decor and improvements, homeowners can put the brakes on rising utility costs – and give the green light to energy savings.