Housing Grants For Rehabilitation In Pennsylvania

Citiies and counties in Pennsylvania offer housing rehabilitation grants.

Structural and home system repairs are not cheap, and for low-income households, needed work may be unaffordable. Homeowners in Pennsylvania meeting income criteria may qualify for grants to rehabilitate their houses and keep them livable. Cities and counties in the commonwealth offer various grants for owner-occupied dwellings so residents can make the necessary repairs.

Philadelphia Housing Trust Fund

The Philadelphia Housing Trust Fund grants monies for four different housing rehabilitation programs in the city. The Basic Systems Repair Program provides grants for low-income residents for structural repairs and upgrading of electrical, heating and plumbing systems and roofs. The Targeted Housing Preservation Program funds to community organizations for residential system repairs and facade improvements in certain neighborhoods. The Homeownership Rehabilitation Program offer first-time home buyers meeting certain income requirements the opportunity to buy vacant houses needing moderate work . The Adaptive Modifications Program allows disabled homeowners or tenants to retrofit their dwellings for accessibility purposes.

Philadelphia Housing Trust Fund

Office of Housing and Community Development

1234 Market Street, 17th Floor

Philadelphia, PA 19107

215-686-9749

philadelphiahousingtrustfund.org

Bradford County Community Planning and Grants

Bradford County's Housing Rehabilitation Program provides grants up to $20,000 for low-income, single-family homeowners for home improvements. Applicants must have their names on the property's deed or title, a homeowners insurance policy and occupy the dwelling. Property taxes must be paid to date. The county planning office also administers grant money for the rehabilitation of historic homes.

Bradford County Community Planning and Grants

North Towanda Annex No.1

RR1 Box 179A

Towanda, PA 18848

570- 268-4193

Dauphin County: Housing Rehabilitation Program

Dauphin County offers a housing rehabilitation program with grants up to $20,000 for eligible residents. However, those living in the state capital of Harrisburg cannot apply. Funding must be used to bring houses up to code and repair any hazardous or unsanitary conditions. Monies cannot be used to pay bills for previous home repairs. Applicants must own and live in their houses, and it must be their principal residence. Income limits apply. Should the house be sold within 10 years, the county Department of Community & Economic Development may be reimbursed for the grant.

Dauphin County Department of Community & Economic Development

112 Market Street, 7th Floor

Harrisburg , PA 17101

717-780-6253

dauphincounty.org

Tags: Bradford County, Dauphin County, Housing Trust, Housing Trust Fund, Philadelphia Housing, Philadelphia Housing Trust

Refinance A Car Loan With Bad Credit

It's possible to get a car loan with bad credit. Unfortunately, you won't get the best interest rate or terms. However, there's always the option of an auto loan refinance in the future. A refinance with bad credit can increase/decrease your loan term or reduce your interest rate.

Instructions

1. Contact the auto lender and check your loan balance. Before you can refinance an auto loan with bad credit, you'll need to know the actual loan balance. Call your lender and speak with a customer service representative. This information is also available on your most recent statement.

2. Determine how much your vehicle is worth. To qualify for a bad credit refinance, your vehicle's worth must be more than the amount you owe. The official Kelley Blue Book (see Resources below) can provide information on used car values.

3. Maintain a good payment history with your auto lender. If you habitually submit late payments to your auto lender, a refinance may be impossible. Although auto lenders approve bad credit borrowers, they're less likely to approve your refinance application if you have a history of skipped or missed car loan payments.

4. Look for a sub-prime auto loan lender. If you have bad credit, stay away from prime lenders. Instead, research different sub-prime or high-risk auto lenders. These lenders specialize in bad credit refinances, and they have access to several types of loans.

5. Compare interest rates and terms. It's important for bad credit applicants to compare rates and terms. Some lenders purposely inflate the interest rate, which can create an upside-down car loan. Contact at least three sub-prime auto lenders.

Tags: auto lender, auto lenders, auto loan, interest rate, your vehicle worth, loan balance

Repair Your Liver

Repair Your Liver

Research has been done showing that one out of three of us has a sluggish liver. This is a problem which can slow fat burning and allow toxins to build up throughout the entire body. The good news is there is a simple way to rejuvenate your liver and protect it using this easy total body detox.

Instructions

1. Flush your system - Mix together 1 ounce of unsweetened cranberry juice with 2 ounces orange juice and 3 ounces of water. This drink helps to reduce the inflammation in the livers tissues helping it function better in as little as one week. The vitamin C helps the liver to process up to 35% more fat and toxins.

Go easy on OTC pain meds - Almost half of the people taking OTC pain relives take more then the recommended dosage. Taking to much of the acetaminophen makes the start of production of the damaging compound TNF, which is the leading cause of liver failure. When you take pain medications in small doses your liver can break down the acetaminophen easily, but in larger doses it can not, and it can cause liver damage. Taking over 4000 mg in one day or even a little less for three to four days straight can cause permanent liver damage. Talk to your doctor if you are concerned and remember to read all the labels of medication you are taking prescription or not. Acetaminophen can be found in Tylenol, cold medications, pain relievers as well as over 400 other OTC medications.

2. - Feed your liver the good stuff -

Avocados -Research has shown that eating one or two avocados a week can help to repair a damaged liver in as little as 30 days. Avocados help to increase levels of the antioxidant glutathione greatly.

Broccoli - This vegetable works the same way the avocados do.

Oatmeal - Oatmeal is loaded with solube fiber that binds to toxins in the digestive tract and makes them be excreted before they are able to cause any liver damage. Oatmeal is a great tasting good for you food we all should eat for several reasons!

Edemame - This vegetable an also help to heal your live in as little as 30 days.

Yogurt - Yogurt helps to stabilize your body' s blood sugar level, which helps it to stop fatty buildups.

3. Walk - We all know we should exercise to keep our bodies good on the inside and the outside. If you walk for as little as 20 minutes a day, you can cut your risk of developing liver cancer by up to 16%. Physical exercise helps our body to increase the flow of oxygen and nutrients which activate the liver' s detox process.

Take milk thistle - This supplement contains silymarin which speeds the growth of healthy new liver cells. This helps to cut the risk of developing any serious liver problems 43% or more. You want to include 300 mg. daily.

4. Take a soybean extract - A fatty liver is a leading cause of liver problems. Taking the soybean extract PPC, can help to stop this from happening and even slow the process in people whom have already been diagnosed. You can buy PPC in health food stores. PPC stands for polyenylphosphatidylcholine and is also called PolyPC. Follow the directions on the box for taking this supplement.

Remember if you have any questions or before you start taking any new supplements you should talk to your doctor first.

Tags: cause liver, liver damage, cause liver damage, leading cause, leading cause liver, little days

See How Much My House Is Worth In Cincinnati

How Do I See How Much My House Is Worth in Cincinnati?

The average list price for a home in Cincinnati, Ohio, in 2010 is $216,381, according to Trulia real estate trends. However, the median sales price is $139,950. The average price per square foot is $86.00. In spite of the city's average list price, your property value and price per square foot will increase or decrease depending upon your location and the condition of your home. Generally, a property located in Hyde Park or Mount Adams will carry a greater market value than homes located in English Woods or East Westwood. There are online tools to help determine your home's value. However, if you are planning to refinance you will have to hire an appraiser.

Instructions

1. Type http://realestate.yahoo.com/Homevalues in your Web browser. Type in your home address including city, state and zip code. The search engine will provide you with a ballpark idea of your property value. Property value is based upon recent home sales in your neighborhood.

2. Go to www.zillow.com on your computer. Zillow will search properties in your area and provide a picture of your street. Home values will be placed on each house located near yours. Click on them to compare property features. Homes that have more bathrooms, square footage or bedrooms than your home may have a greater value than your home.

3. Type http://www.moveup.com into your Web browser. Put in your home address, city, state and zip code. Complete the form and submit your information. Your results will appear, demonstrating homes that have sold in your neighborhood. The sales price will appear, as well as the price per square foot. It will also provide a bar graph so you can compare your home to others that have sold.

4. Call an appraiser and schedule an appointment to have your house appraised. An appraiser will base your home value upon what other houses have sold for in your neighborhood. The appraiser will compare your home features to other homes. Lenders will use the appraised value of your home if you are refinancing.

Tags: your home, have sold, price square, price square foot, square foot

Limestone Foundation Repair

Make repairs to foundations immediately to avoid large costly projects.

A limestone foundation is simply a foundation built with pieces of limestone mortared together. Before attempting any repairs, hire a professional to determine whether the foundation is structurally sound. Limestone foundations, generally found in older homes, degrade in the mortar joints and require joint replacement and patching. Does this Spark an idea?

Instructions

1. Place a cold chisel into the line of crumbling, flaking, or loose mortar and tap with a hammer to loosen the old mortar.

2. Pick out pieces of mortar with the end of the chisel or with your fingers.

3. Use a wire brush to completely brush off old mortar and debris reaching as far into the void space as possible.

4. Use a garden hose with the nozzle set to mist to wet the entire wall and joints thoroughly.

5. Mix mortar in a trough or large bucket according to the directions on the bag.

6. Wet the limestone wall and joints again, lightly, using the mist setting on the hose's nozzle. Wetting the wall prevents the dry limestone wall from pulling the moisture out of the wet mortar.

7. Fill a grout bag with wet mortar.

8. Place the tip of the grout bag into the empty space of the mortar joint and squeeze mortar in while moving along the joint line. Fill the mortar into the joint and slightly higher than the surface of the limestone.

9. Use the tip of a pointed trowel to press fresh mortar deeply into the mortar joints and even the mortar surface. Add more wet mortar to the joint with the mortar bag if necessary to build it up flush with the limestone surface.

10. Wet the wall surface lightly and cover with a heavyweight plastic tarp for three to four days while the mortar cures. Make sure the wall and mortar joints stay slightly wet during the curing process; mist lightly with the hose if walls dry. If they do not remain moist, the mortar will disintegrate and crumble.

Tags: mortar joints, limestone wall, mortar joint, mortar with, wall joints, with mortar

Energy Reduction Rebates In Texas

There are many incentives for increasing energy efficiency in Texas.

Energy demand in Texas is high, as the warmer average annual temperatures of the state create a need for air conditioning for most of the year. According to the U.S. Energy Information Administration, Texas consumes more energy than any other state. Subsequently, many power companies in Texas have started programs with incentives and rebates for energy reduction. The Texas state government has grant programs for the installation of renewable energy technologies, as well as tax incentives for consumers and businesses. Does this Spark an idea?

Denton Municipal Electric - GreenSense Energy Efficiency Rebate Program

Denton Municipal Electric, operated by the city of Denton, offers rebates on energy efficient equipment and improvements to buildings for any customer using their electric service. These rebates can be as much as $700 for a new heat pump or 30% of the total invoice for the installation of energy efficient windows. Rebates are credited on customers’ electric bills, or are paid in cash to developers of new buildings. Installation of eligible equipment must be done by a contractor approved by Denton Municipal Electric.

DME GreenSense Program

Denton Municipal Electric

1659 Spencer Road

Denton, TX 76205

940-349-7137

dmepower.com

Entergy Texas - Residential and Small Commercial Standard Offer Program

This program operated by Entergy Texas serves 27 counties in Eastern Texas and more than 400,000 customers. The program provides cash incentives per kilowatt hour reduced through the installation of energy efficient equipment, renovations to existing buildings and construction of new energy efficient buildings. These projects can include ceiling insulation, window replacement and new air conditioning units. The maximum incentive for small projects is $20,000, and for large projects it is $60,000.

Entergy Texas

350 Pine Street (77701)

P.O. Box 2951

Beaumont, TX 77704

409-981-3245

entergy-texas.com

Oncor Electric Delivery - Solar Water Heating Incentive Program

Oncor Electric offers incentives to customers who want to install a solar thermal water heating system on their rooftops. These systems are simple and effective ways to heat water and reduce electrical demand significantly. According to Oncor, "residential incentives are roughly $1,400 to $2,700 per qualifying installation…Commercial incentives are roughly $800 to $1,500 for smaller systems and $2,400 to $6,500 for larger systems."

Oncor's Solar Water Heating Program

One Legacy Town Center

7160 North Dallas Parkway, Suite 340

Plano, TX 75024

469-467-4425

texassolarwaterheating.com

Tags: Denton Municipal, Denton Municipal Electric, energy efficient, Municipal Electric, Entergy Texas, efficient equipment

How Get Drug Rehab Without A Job Or Insurance

Community programs and nonprofit organizations offer free drug rehabilitation.

Drug addiction can be ravaging to a person's life. Often, the addicts who need help most end up without jobs or health insurance. The people who run various rehabilitation programs know this and provide options for those who need help. The key is to figure out which form of rehab works for your situation and to contact the appropriate organization or government agency to which you can apply for admission.

Narcotics Anonymous

Narcotics Anonymous and its related programs such as Alcoholics Anonymous and Alanon offer treatment and support free of charge. Meetings are held in communities throughout the nation and programs operate through donations and volunteers. Addicts in need can join this 12-step rehab program without application by simply showing up to a meeting and choosing to participate. Many chapters of Narcotics Anonymous hold daily meetings for those in need of frequent support. See resources for a list of meeting schedules and locations on the NA website.

County Health Departments

Counties throughout the United States have public health programs to serve the poor and uninsured. In large, urban counties such as Los Angeles County, drug rehabilitation programs are not only part of the health care offerings, but take place at clinics and medical facilities throughout the county. Those without income can often receive rehabilitation and medical services at no cost. County departments of health make information available on their websites. You can also call your county hospital or county administration offices for details. Some communities offer free and confidential 211 community information and resources lines that can make counseling referrals.(See resources)

Nonprofit Organizations

Numerous nonprofit organizations provide free counseling, support and even inpatient rehabilitation to drug addicts. Many religious organizations including Catholic Family Services and Beit T'Shuvah offer faith-based rehab counseling in both outpatient and inpatient formats at low or no cost. Similarly, secular nonprofits such as Narconon International offer subsidized rehab programs to those of any or no faith. You can get information from places of worship, county health programs, drug and mental health crisis center hotlines and hospitals. The National Addition and Substance Abuse Information Center also offers a database of drug rehab programs throughout the country available online or by phone. (See resources)

Not-for-Profit Hospitals

Not-for-profit hospitals operate in communities throughout America. Most are run by educational, religious and community foundations. Frequently, not-for-profit hospitals are affiliated with charitable foundations such as the Loma Linda University Hospital which is attached to the Seventh Day Adventist Church or the Franciscan Healthcare System in Tacoma and Olympia, Washington which was founded by and remains affiliated with Franciscan priests. Those without means can apply to hospital charitable foundations for grants to fund their rehabilitation treatment at their facilities. The American Hospital Directory maintains a free list of all medical facilities in the country including ownership and affiliation information. Your state department of health can also tell you about facilities in your area. See resources for more details.

Tags: Narcotics Anonymous, affiliated with, charitable foundations, communities throughout, drug rehabilitation

Lg Refrigerator Error Codes

LG refrigerator error codes can have very simple causes.

LG refrigerators with digital displays have an easy to read system for alerting owners of possible problems and to give repairmen the ability to quickly diagnose the causes of malfunctions. These LG refrigerator error codes often have fairly common causes that can be easily remedied by the user. However, some error codes will require the assistance of a professional repair service. Does this Spark an idea?

Error Code 0 FF

Sometimes an LG refrigerator will display an error code of "0 FF." This is not an error code in the normal sense. This message simply indicates that the unit is in "demo mode." On a front display refrigerator, the problem can usually be resolved by pushing the "refrigerator" and "ice plus" buttons simultaneously for 5 to 10 seconds with the refrigerator door open. Top-mounted refrigerators have the same fix but only the light switch needs to be held and only for about 5 seconds.

Error Code Er IF

All of the codes that indicate malfunctions or similar problems will be shown with an "Er" on the digital display. The LG refrigerator "Er IF" error code is the "Icemaker Fan Error" message. As the name suggests, this error code indicates a problem with the fan that controls the unit's ice production. If this problem occurs because of ice buildup, unplugging the unit for 3 to 4 hours and allowing it to thaw may fix the issue. Customer service should be contacted if the problem persists.

Error Code Er FF

This code is not to be confused with the O FF or demo mode error message. The "Er FF" error code indicates a problem with the unit's freezer fan. The freezer fan controls the temperature in the freezer. The source of this error is most likely ice buildup. As with the Er IF error, allowing the unit to thaw should resolve the issue. Contact customer service if the error code continues to be displayed after having thawed the unit.

Error Code Er FS

The "Er FS," or Freezer Sensor Error, is most likely caused by a short or a cut somewhere in the unit's circuitry. Sometimes unplugging the unit for a few minutes will reset the system and remove the error code. Customer service should be contacted if the problem persists.

Error Code Er rS

A Refrigerator Sensor error, or "Er rS," is another error code that may be caused by a cut or short somewhere. A temporary solution would be to unplug the unit for a few moments while the system is reset. Customer service should be called if the error message persists.

Error Code Er ds

The LG refrigerator will display an "Er ds" error code if it detects a problem with the defrost sensor. Again, this error message probably denotes a cut or short somewhere in the system. Attempting to reset the system by unplugging the unit may fix the problem. If the problem persists, customer service should be contacted.

Error Code Er dH

The "Er dH," also known as the Defrost Heater Error message, is displayed when the unit fails to reach 46º F within 2 hours of beginning its defrost cycle. This may be an indication of the defrost heater having broken or the temperature fuse having been pulled out of its slot. Contact customer service if the problem persists after having attempted a system reset.

Error Code Er CF

The unit will receive signals from the BLDC fan motor in the freezer compartment during normal operation. If more than 65 seconds pass without a signal from the fan motor, an "Er CF" error message will be displayed. The Cooling Motor Error is usually an indication of a faulty fan motor or loose leads. Customer service should be contacted immediately.

Error Code Er CO

The LG refrigerator may display a Communications Error message ("Er CO") in the event of a short or other malfunction associated with communication between the main circuit board and the display. While attempting a system reset is an option, customer service will most likely need to be contacted in order to provide a permanent solution.

Tags: Error Code, service should, problem persists, service should contacted, should contacted, customer service, Customer service should

The Average Cost Of Tv Repair

Reparing your television may cost nearly as much as buying a new one.

As electronics keep changing and becoming more advanced, the cost of repairing them also rises. The more complicated the repair job is, the higher price you'll pay. Plasma and LCD televisions are typically more expensive to repair than traditional TVs.

Average Cost

According to website Today.msnbc.msn.com, the average cost of repairing a television is around $500, as of 2010. LCD and plasma televisions cost more to repair, and the more expensive televisions cost even more to repair.

Considerations

Compare the cost of a new television against the price quoted for repairs. If the cost of repair is at least 50 percent the price of a new TV, then opt for a new television. This saves you hassles and worries regarding future repairs of your older TV.

Expert Insight

Always purchase an extended warranty plan for your TV to protect you in the future. Not only does the warranty cover repairs, but if the repair fails, your warranty covers the cost of that.

Tags: Average Cost, cost repairing, more expensive, more repair, televisions cost

Restore Tombstones

Restore Tombstones

Tombstones are important markers that commemorate the final resting place of those who have died. They may be simple or intricate, but over time they all suffer from erosion and from being out in the elements. If you are interested in restoring one tombstone or in taking care of an entire graveyard, learning clean gravestones is important. A careless move can destroy an old tombstone. Does this Spark an idea?

Instructions

1. Determine whether you should touch the tombstone at all. If you see signs of flaking, scaling, chipping, or deliberate vandalism, it may well require the touch of an expert in masonry. According to the Association for Gravestone Studies, problems like these should be handled by professionals.

2. Determine what the tombstone is made of. The proper method of cleaning is safe for all types of tombstones, but if you need to go further, the type of stone might be important. For instance, while marble can handily be cleaned using this method, you will find that a solution of calcium hypochlorite can be used as well.

3. Scrape any stubborn lichen off the stone with a plastic scraper. The scrapers that you use should always be plastic. Otherwise, you risk damaging the stone.

4. Fill a pump sprayer with a solution of water and a small amount of non-ionic detergent. The detergent bottle should tell you how much to use.

5. Spray the tombstone down with the pump sprayer. This will allow you to save water and to carefully wet down the areas that you want to work with.

6. Scrub the tombstone gently with the soft scrub brush. Use a circular motion and clean from bottom to top, as this will prevent the runoff from staining the tombstone.

7. Rinse the detergent from the stone with clean warm water when you have cleaned the stone as much as you can.

Tags: pump sprayer, Restore Tombstones, stone with

Start An Auto Repair Business In Georgia

Many motorists are in need of auto repair.

According to the Consumer Federation of America, complaints about auto repairs ranked fourth in a national survey. Consumers spend billions of dollars on automobile repairs that may not be needed. The state of Georgia wants to help its citizens avoid dishonest auto repair practitioners and suggests that consumers find a repair shop before they need one. An honest auto repair shop has an opportunity to find a market niche.

Instructions

1. Attend an auto repair training program certified by the National Automotive Technicians Education Foundation. The state of Georgia contains approximately 50 of these high school and college programs; they offer studies in transmissions, brakes, electrical systems and other automotive components.

2. Calculate the amount of funds needed to start your business. You need at least one lift, automotive repair tools, rent or mortgage costs, insurance, funds for utilities and salaries for employees, if you have them. According to information available from Entrepreneur magazine, start up costs for a Meineke Car Care Center range from $190,000 to $350,000.

3. Obtain your business license from the city and/or county in Georgia where your business will be located. Contact the Georgia Chamber of Commerce in order to find the contact information for your local chamber of commerce.

4. Register your business with the state of Georgia Secretary of State, if your company is a corporation, limited partnership or limited liability company. A sole proprietorship (one-person company) does not have to register with the state. Refer to the Georgia Code to find out more about these business types.

5. Develop business relationships with companies in industries related to auto repair, such as wrecking companies, towing companies, used car establishments and insurance companies. Ask these companies to promote your business while you promote theirs. Find these companies in the Georgia Chamber of Commerce and through networking.

Tags: your business, auto repair, state Georgia, auto repair, Chamber Commerce, Georgia Chamber, Georgia Chamber Commerce

Claim House Repairs On My New Home On My Tax Return

Painting the walls of your home may add to its beauty, but does not usually qualify as a tax deduction.

A home is the largest single purchase most Americans will ever make, so it makes sense to keep your home in good repair. Even new homes need regular maintenance to keep them in top shape. There are a number of expenses associated with buying a new home that may be deductible on your federal income taxes. Repairs to your new home are typically not among them, unless you use your home for business purposes.

Deductible Expenses

The Internal Revenue Service recognizes four primary categories of deductible expenses associated with the purchase of a new home. You may deduct certain real estate taxes, provided the taxes are imposed on you by a state or local taxing authority and the taxes are based on the assessed value of your home. You may deduct the mortgage interest from a loan that is secured by your first or second home. You may elect to deduct your sales taxes, including the sales taxes on your new home, instead of deducting your state income taxes. You may deduct mortgage insurance that is required by your lender. Repairs to your new home are not among the categories of deductible expenses allowed by the IRS.

Improvements

You may include certain expenses associated with improving your new home to the cost basis of your home. The increased coat basis of your home -- the money you put into improvements -- means you would have a lower taxable gain when you decide to sell your home. This would lower your capital gains tax obligation, but this is not the same thing as a tax deduction on your income taxes. The Internal Revenue Service considers things that significantly prolong your home's useful life, significantly add to your home's value, or adapts a portion of your home to a new use to be improvements. Paving your driveway, rewiring your home, replacing the roof or adding a bathroom are examples of improvements, according to the IRS. Expenses for improvements to your new home are not deductible on your income taxes.

Repairs

The Internal Revenue Service makes a distinction between improvements and repairs. Repairs are physical things you do to maintain your home in an ordinary, efficient operating condition, such as painting the exterior or patching the roof. Since repairs don't prolong your home's life and do not add to your home's value, the IRS does not consider a repair to be an improvement. You may not deduct the cost of repairs to your new home when you file your taxes. You cannot add repairs to the basis of your home unless they are performed as part of a major restoration or remodeling job.

Business Use of Home

You may be able to deduct a portion of the expenses associated with repairs to your new home if you use part of your home regularly and exclusively as your principal place of business. The amount of the repairs that you may deduct depends on whether the repairs were directly related, indirectly related or unrelated to your business. If the repair was directly related to the part of your home that you use for business, such as repairing an electrical outlet in your home office, the repair would be 100 percent deductible. A repair that was needed for the operation of the entire home, such as replacing a circuit breaker on your central air conditioning system, is an indirect expense. You may only deduct the percentage of these repair expenses that correspond to the business use percentage, which is determined by dividing the number of square feet in the home that you use for business purposes by the total square feet in your home. Repairs that only apply to parts of your home that don't relate to your business, such as replacing the light fixture in your bedroom, are not related to your business and are not deductible at all. If you use your home for business purposes as an employee you must itemize your deductions on Schedule A to claim these repairs. If you are self-employed you would report repair expenses on Schedule C of IRS Form 1040.

Tags: your home, associated with, expenses associated, expenses associated with, home that, income taxes, basis your

Roof Repair Programs

You can get roof repair assistance from federal and local programs.

Maintenance is the key to good housing, and a sound roof is the first key to proper maintenance of a home. Leaking roofs begin the destruction of the rest of the structure. Mold and mildew resulting from water invasions can cause health problems for the house's occupants. Governments and organizations offer roof-repair programs and other maintenance aid because they recognize the values of helping people to remain in their homes and of preventing deterioration of neighborhoods. Does this Spark an idea?

Baltimore, Maryland

The Baltimore Housing Office of Rehabilitation's Senior Roof Repair Program is for residents who are at least 62 years old and who own and occupy a home that needs roofing repairs. This program offers loans of up to $5,000 for roof repairs. The loan's principal is reduced by 20 percent for each year the owner continues to live in the house. If the homeowner is still living in the house after five years, he has no obligation to repay the loan. To qualify for this loan, the homeowner's income must be less than 50 percent of the median income for the area. He must own the house and must have homeowner's insurance. Eligible homes may not exceed two dwelling units. The loan closing costs and application fees are included in the total loan amount, so they do not burden the elderly homeowner.

Federal Aid

The Federal Very Low Income Housing Repair Loans and Grants program is offered by the U.S. Department of Agriculture's Rural Development Office. This aid is available to low-income rural residents who need to make repairs to their property because of damage that poses a health and/or safety hazard to the person or family. The program offers a 20-year loan of up to $20,000. To be eligible, the recipient must live in a rural area, and must be able to repay the loan. People 62 years old or older may qualify instead for a grant, which does not have to be repaid.

Habitat for Humanity

The Habitat for Humanity of Omaha's Roof and Repair Program is for low-income homeowners in Omaha, Nebraska. To be eligible, a resident must own her home, and maintenance issues, including roofing problems, must have caused the home's value to decline. The program is intended to improve the entire neighborhood by improving housing. The program provides a no-interest loan that the homeowner will repay, with payment amounts based on ability to pay. The homeowner also must provide some "sweat equity" -- time spent helping with construction or other work. Applications are available at the organization's website. Habitat for Humanity operates similar programs in other locations.

Tags: Habitat Humanity, area must, must have, program offers, programs other

Get Plumbers To Pay For Something They Missed

Plumbers should hold a valid license and be able to provide you with a list of references upon request.

Hiring any type of contractor can induce worry for a homeowner. If a plumber makes an error in judgment during a repair job, the result may be additional---and possibly severe---damages caused by a leak or running water. While mistakes can occur, a professional plumber should be willing to rectify a mistake. A consumer whose plumber fails to do so may take several actions to encourage the plumber to resolve the issue and make proper compensation. Does this Spark an idea?

Instructions

1. State your case first to the plumber. Call to politely explain the problem caused because the plumber failed to complete the job properly. Be able to explain any repercussions---such as leaking pipes that damaged flooring, for example---and briefly explain what you seek in compensation.

2. Write a letter to the corporate office if the plumber is part of a larger company and refuses to take care of the matter. Make the letter brief. Use no more than three or four paragraphs to outline what the plumber missed, any resulting damage, and the compensation needed to resolve the issue.

3. File a complaint with the Better Business Bureau, an organization that attempts to help consumers and businesses resolve complaints without legal action. Companies may purchase a membership and advertise that membership as a benefit to consumers; however, complaints may be filed against companies with no membership, as well. The plumber should have a letter rating---similar to a school grade---that shows consumers how many complaints have been lodged and how the plumber handled the complaints. Consumers may file a complaint for free. The plumber, however, whether a member or not, may not resolve the issue through the BBB.

4. Lodge a complaint with your state's attorney general, whose duties include consumer protection. Complaints may usually be filed online. If the plumber has numerous complaints, the attorney general may start a file and eventually file a lawsuit against the plumber. Often, however, having a complaint filed against a business can spur the plumber to resolve the issue. For a complete listing of attorneys general by state, as well as links to their websites, visit Naag.org.

5. Notify your state's licensing board about the issue with the plumber. Most states require that a working plumber hold a current license. If the plumber holds a current license, you will be able to file a complaint against him or her with the state's licensing agency. Complaints should be held for review for any future licensing applications, which could prompt the plumber to resolve the issue with you and pay for the proper repair to be completed.

6. Contact the Federal Trade Commission to file a complaint on the plumber if he or she is part of a larger company. This government agency has operated as a consumer watchdog since 1913 and can investigate companies or corporations with sufficient complaints against them. Visit FTC.gov for more information.

7. Take the plumber to court if all other attempts to resolve the matter fail. You will need to pay a fee and file a complaint against the plumber with the local court. The plumber will be served a copy of the complaint and required to file an answer. A trial date will be set, although some court systems also offer free mediation to resolve issues outside of court. If the matter is under a certain dollar amount, you may be required to use the small claims court system, which uses a streamlined filing process and requires smaller filing fees.

Tags: resolve issue, file complaint, plumber resolve, plumber resolve issue, against plumber

Lcd Flat Panel Tv Issues

LCD TVs, sold as flat-panel units, can sometimes suffer from picture quality limitations inherent in the LCD technology. Shoppers must compare displays to check for image issues.

Performance Limitations

The Home Cinema Guide states that LCD technology can limit the image quality of LCD flat-panel TV sets. Viewers seated at side angles, for instance, may not see as vivid an image as viewers seated in front of the screen. LCD backlighting can limit black levels, and a delay in pixel reaction can blur fast-moving shapes.

Evaluation

Because different flat-panel LCD TVs cope with the technology's limitations with varying success, shoppers should compare several models in the showroom. Careful scrutiny can reveal how well the TV's image holds up from extreme angles, while a fast-paced sports program can reveal signs of motion blur.

Alternatives

Plasma TVs enjoy wider viewing angles and better color fidelity than LCDs without suffering the issue of motion blur, though newer LCDs have vastly reduced the motion blur problem. Before choosing a plasma TV over an LCD TV, however, shoppers should consider that plasma TVs consume more electricity and can suffer from "burned-in" images, according to Cnet Australia.

Tags: motion blur, shoppers should, suffer from

Fix A Slow Filling Toilet Tank

Slow filling toilet fix

We have all had them one time or another -- toilet problems. One of the common problems homeowners face is a slow filling toilet tank. The issue is most likely caused by a dirty, clogged fill valve tube. If you are wondering make your toilet tank fill water fast like new, here's how >> Does this Spark an idea?

Instructions

1. First, we have to know there are two different types of toilet valves; one is "float cup fill valve", and the other, "ballcock fill valve" types. Float cup fill valve is the newer type, while the ballcock fill valve is older and now not often used as the former. What makes them different is the hardware that supplies water to the toilet tank.

The ballcock uses a "ball", usually black or gray in color, that floats on the water's surface in the toilet tank. On the other hand, the float cup operates vertically on the fill tube.

Remove your toilet tank cover, and you can easily distinguish the two and determine the valve type you have. This is crucial in case the fill valve seal needs to be replaced, you will know the right one to buy then.

2. Shut off the water supply valve, this can be found underneath the water tank a few inches above the floor, where the toilet sits. Turn it counter-clock wise until it stops turning. Flush the toilet to empty out the water tank.

3. To gain access to the toilet fill valve tube, you must remove the hardware on the top of the tube. The hardware is easy to remove, you only have to unscrew some screws. Next, use a long bottle brush or stiff wire to clear inside the tube. Try clean out as much sediment as possible.

4. Pour a glass or a bottle of water over the fill tube, and press down the flush handle to flush out debris in the tube; you may have to do this several times until you feel the tube is clean. Reinstall the hardware after cleaning the valve tube.

5. If the above is not working, then you have to replace the "fill valve seal", also called "tank valve seal". This seal wears out over time. The size is standard for all toilets, so go to your favorite home improvement center or DIY store and ask for one. Fill valve seal sometimes come in a kit, you have every thing necessary for the case may be. The valve is between the water supply tube and the fill tube in the water tank. Remove the old worn seal and replace it with your new one.

6. Turn the water supply back on from the incoming water valve. Flush test your toilet. Consider a job well done if your toilet tank is now filling faster than before the fix.

7. Fixing a slow filling toilet tank is quick and easy, even if you have never fix a toilet problem yourself. The first thing is to learn the parts, their location, and how they work in a toilet. When a toilet problem comes, you'll know deal with it.

Tags: fill valve, toilet tank, valve seal, your toilet, fill tube, toilet tank

Get Rid Of Scratches On Black Appliances

Get Rid of Scratches on Black Appliances

Installing black appliances is one of the easiest ways to quickly modernize a kitchen. Many times, black appliances are easier to keep clean because they don't show fingerprints or dust as easily. The appliance handles don't change to an ugly yellow like the handles on white appliances. However, just like any other appliance or household item, black appliances can get scratched during transport or accidentally in the home. When a black appliance is scratched, depending on the appliance and the location, there are usually several options for concealing or repairing the scratches. Does this Spark an idea?

Instructions

1. Replace scratched handles on black appliances. Order and install a replacement part through the manufacturer. Handles are commonly scratched while transporting the appliance from the store to the home or while bringing the appliance through average-sized doorways. This is one of the easiest and simplest fixes. Scratches on handles are hard to conceal because they are usually accompanied by deep grooves.

2. Repair surface scratches on textured refrigerator doors with a black scratch repair pen. These scratch repair pens can usually be found at your local home development store or ordered online.

3. Touch up the scratches on black appliances with black appliance paint. Appliance paint is formulated differently than spray paint or other paints. Appliance paint will typically have the same glossy appliance finish as your appliances. If the scratches are on the oven hood or the oven, use the black appliance paint formulated for high-heat environments.

4. Spray a small amount of appliance paint on some wax paper if the scratch is small or thin and use a paintbrush to apply the black appliance paint inside the scratch only.

5. Remove the door or move the appliance to an outside area to sand large scratches and repaint the whole surface. Remove or tape off handles. Tape off any windows like an oven door. Sand the scratch to smooth the scratch's perimeter and sand the entire surface for better paint adhesion. Then paint the entire surface with black appliance paint.

Tags: black appliance, black appliances, appliance paint, black appliance paint, with black

Plan A Roofing Project

Successful planning of a roof job will go along way with properly re-roofing a home.

Failing to plan is planning to fail, a bit of wisdom that applies to those looking to re-roof a home or a structure. Roofing is hard work that's better left to those with experience, but those with a little know-how can certainly successively add a roof. With the right plan in place, the ambitious home or property owner can add the roof faster, with less hassle and generally for less expense than that of hiring a contractor. Does this Spark an idea?

Instructions

1. Monitor local weather forecasts, checking to see when at least two consecutive days of warm and dry days are expected. Such days provide ideal conditions to working on the roof, as you won't want to have to scurry to cover any exposed areas from falling rain that may enter the home below. Once you've settled on a date, gather friends and family together to form a roofing crew. Depending on the size of the job, one to five extra hands may be required.

2. Stand on the roof and measure the length and width of the entire roofed area and multiply the two numbers together to determine total square footage. Also measure the peak, the highest portion of the roof. Take this number to your local home improvement store of building supplier and order your materials. Sheets of roofing shingles are sold in bunndles called "squares"; generally speaking, one square equals 100 actual square feet, so convert your roof space to squares by dividing your number by 100 and round up.

3. Purchase the shingles according to this number plus one extra square to be used as reserve in case of accidents. Tar paper, used as a base material underneath the shingles, comes in large rolls; consult the packaging to determine how many rolls you'll need (usually two rolls are enough to complete most roof sizes).

4. Purchase additional materials such as metal drip flashing, shingle caps and vents as well as a box of roofing nails (1000 count is recommended). Make sure you have enough hammers to go around, or chose to rent a nail-gun if you don't have one. This will make the job of attaching the squares faster and easier.

5. Rent a portable dumpster unit to be delivered on the morning of the job and set it a couple of yards from the roof. This will allow you to toss the roofing material into the dumpster as they're removed. Once it's full, the company will come and remove the dumpster for you and dispose of the old materials.

6. Remove as much as possible from the immediate area surrounding the roof (cars, children's toys, etc.) on the morning of the job. Make sure there's enough safety gear to go around for everyone: work gloves, boots and eye goggles. Also have sun block on hand as well as plenty of water if the work is to be performed on hot days.

Tags: Make sure, this number, This will, those with

Diy Home Rewiring

Safe electrical repairs require close attention to detail.

Older homes often have electrical systems that are inadequate for modern standards. Hiring a professional to rewire an entire house is the easiest solution, but is expensive. Doing it yourself requires more time and a steep learning curve if you're not familiar with electrical work. But it saves money and teaches you a lot about the house you live in. Small repairs and modifications can be undertaken by many homeowners with a couple of books and a will to learn. Does this Spark an idea?

Instructions

1. Turn off the circuit breaker, remove the fuse or turn off the main power supply to the house before undertaking any electrical work. If you have an old fuse box, each fuse represents a different circuit. In newer electrical systems, fuse boxes are replaced with breakers, which serve the same purpose but can be switched on and off rather than replaced.

2. Replace outdated outlets that lack grounds by removing them from the walls. You can tell these outlets because they have two elongated holes but no round hole between them. The round hole accommodates the ground prong in a grounded plug. All outlets now have three holes in them. Remove the plate, pull the old outlet out of the wall and disconnect it from its wires.

3. Feed new, grounded wire from the fuse box or breaker box to the outlet that is being replaced. In a finished house, this is often the most difficult part of a job because you have to get the wire through the wall. This can involve either fishing the wire from the basement up into a wall using a special hooking tool, or cutting pieces out of the walls to get the wiring through.

4. Feed the wire through the opening for the outlet and attach a new outlet to the wires with needle-nose pliers. Attach the black (live) wire to the gold screw on the side of the outlet, the white (neutral) wire to the silver screw on the side of the outlet and the bare (ground) wire to the screw on the bottom of the outlet.

Tags: electrical systems, electrical work, round hole, screw side, screw side outlet, side outlet, wire from

Repair Whirlpool Dryers

With the cost of repair services on the rise, more people are becoming "do-it-yourselfers". So when something goes wrong with your Whirlpool dryer do a little troubleshooting before you call in the professionals. Several things may be causing the same problem. The secret is to eliminate each one to determine the culprit. Does this Spark an idea?

Instructions

1. Check the power. If your Whirlpool dryer does not operate you may need to replace defective fuses. That includes the thermal fuse located inside the back cover panel. Look for open contacts in the timer. Verify that the door switch and the door switch activator are operational and that the circuit breaker hasn't been tripped.

2. Examine the coils. If your dryer isn't producing any heat the gas valve coils may be defective. This prohibits the valve from opening and the gas from igniting. The electric igniter and the terminal bracket that secures it may need to be replaced. Also check to see if the thermal fuse is blown, if both volt circuits are on and the thermostats are functional.

3. Test the drive belt. If your dryer does not tumble a broken drive belt and/or idler pulley may need to be replaced. Test for a burned out motor. If the motor is stiff, does not rotate manually and the blower fan housing is obstruction-free, the motor needs replacing. Also check for a defective door switch.

4. Check the vent. If a load takes longer than one hour to dry clear the vent duct of any obstructions. Determine if the heating element is partially burned out. Unclog the internal ductwork by removing the lint filter and inspecting inside the duct. Verify the cycling thermostat is working properly. In gas dryers a defective flame sensor may be responsible.

5. Inspect the motor. If your Whirlpool dryer is making too much noise it is most likely due to a defective motor. Worn rollers (or wheels), idler pulley, plastic glides, rear drum bearing or blower wheel may also be to blame. In most instances replacing the worn part will solve the problem.

6. Check the thermostat. If your appliance overheats replacing a defective cycling thermostat or unclogging a vent system generally will alleviate the problem.

7. Replace worn rollers. If your clothes are being damaged you may need to replace the rollers that support the clothes drum, rear and/or front drum seals and/or front glides.

8. Search the Internet or your local Yellow Pages to find out where you can purchase Whirlpool dryer replacement parts. Sites, such as repair2000.com, offer appliance repair guides on CD-Rom.

Tags: Whirlpool dryer, your Whirlpool dryer, door switch, your Whirlpool, Also check, cycling thermostat

Home Electrical Requirements

Electrical work can be dangerous; make sure that power is disabled before starting a project.

In the United States there exists the National Electric Code (NEC). This code is the basis for most local electrical portions of local building codes. However, if you are planning a major electric project, get from the local building department its electric code for the area where the project will be located. The codes exist for the protection of residents --- not following the codes can have serious or even fatal consequences. Does this Spark an idea?

Common Code Requirements

The use of plastic electrical boxes is very common in the United States, but some localities do require metal boxes. Check this with your local building department. All new receptacles, fixtures and appliances must be grounded. Most building departments allow the use of nonmetallic (NM) cables. If it is acceptable to use it, this is the easiest cable to work with. However, if there is exposed cable, not located behind drywall or plaster walls, the local building code may insist that the cable be of the armored type or run in a conduit. Residential circuits are usually 120 volts and 15-amp. Lighting must be connected to 15-amp circuits, but in laundry rooms and kitchens, 20-amp circuits can be the requirement. The use of 14-gauge wire is the recommendation for 15-amp circuits, while 12-gauge wire is preferable for 20-amp circuits. If the changes being made do not call for a new circuit, your existing fuse box or circuit breaker panel most likely will suffice for the project. But, if additional circuits need to be added, the panel may need upgrading or require a subpanel.

Bathroom Requirements

Because so many appliances are used in bathrooms, like hair curlers, hair dryers, electric razors, lighting, fans, and perhaps auxiliary heat, the bathroom electricity should be on a 20-amp circuit. While it is a good idea to have a ground-fault circuit interrupter (GFCI) on every bathroom outlet, the NEC requires only that any outlet within 6 feet of a water source be a GFCI. The GFCI is a protective device that senses change in the flow of electricity. If a circuit becomes wet, the GFCI will react in 1/30th of a second and shut down the outlet, protecting the user from electric shock.

Kitchen Requirements

Each kitchen appliance with a motor must have its own 240-volt circuit. These appliances include the refrigerator, stove and cooktop, garbage disposal and microwave. In addition, the NEC requires a minimum of two outlets above the counter top. Here too, if within 6 feet of a water source, there must be GFCI outlets installed.

Living Room and Bedroom Requirements

The living room and bedrooms are to have a wall switch right next to the entrance, to light the room before entry. The wall switch can control an outlet with a lamp plugged into it, a wall sconce, or an overhead fixture. Overhead fixtures may not be controlled by a pull chain. Outlets on the room perimeters should be spaced 12 feet apart. If there is a dining room, NEC requires one 20-amp outlet as part of the perimeter configuration of an outlet every 12 feet.

Stairways. Hallways and Closets

Stairways must have three-way switches at the top and the bottom to allow for lighting the stairway from entry points at each end. Stairways with landings should have a light on the landing(s) on the same three-way circuit to make sure the landing(s) is well-lit. Hallways more than 10 feet long must have at least one regular outlet for utility purposes. In addition, each end of the hallway requires a three-way switch. The NEC requires closets to have one globe-covered light connected to a wall switch.

Laundry and Garage

The laundry room needs its own 20-amp receptacle. Also, if the dryer is electric, it must be connected to a separate 240-volt circuit.

Tags: local building, must have, wall switch, 15-amp circuits, 20-amp circuits, 240-volt circuit

Start A Tour Business In Las Vegas

Las Vegas tour businesses may tour city sights or desert destinations.

Las Vegas has long been known as a business-friendly location. Lenient tax laws for businesses include no corporate income tax, no tax on corporate shares, no business inventory taxes and competitive employer payroll taxes, according to the "Las Vegas Examiner." Because millions of people visit Las Vegas each year attracted to the bright lights and excitement, starting a tour business can lead to a steady clientele. Don't rely on luck for business success. Instead, use careful research and planning to build a profitable enterprise.

Instructions

1. Apply for business permits and licenses. Las Vegas requires numerous start-up permits. You'll need to establish a business type, whether it's a sole proprietorship, partnership or corporation. Your tour business may require a fictitious name certificate depending on what name you pick, and you'll need a state business license issued through the Department of Taxation. If you plan to sell souvenirs, apply for a retail license. Apply for a Las Vegas city business license from the Department of Finance and Business Services.

2. Visit local tour operators to observe tour routes, travel destinations, pricing scales and reservation rules. Take several tours to get a sense of whether you prefer scripted guides or more informal, off-the-cuff remarks. Some tour companies avoid monologues altogether, operating more as a transportation vehicle for customers who'd rather not navigate traffic.

3. Write tour routes. In-town Las Vegas tours might include iconic casinos, famous restaurants and ongoing entertainment shows. Some customers may want to venture on tours based in Las Vegas that explore nearby attractions, including the Grand Canyon, Hoover Dam, Red Rock Canyon, Lake Mead and the Colorado River.

4. Lease or purchase tour vehicles. Large buses may work well for long-distance treks, but some customers want the elegance of a stretch limousine or oversize SUV for their tour. Desert tours may involve ATV or off-road vehicles, and clients may want to view the Grand Canyon from a helicopter. Save money by purchasing second-hand vehicles, but ensure that they'll reliably transport customers. Many guests will want air-conditioned vehicles during the summer heat.

5. Introduce yourself to travel agents, event bookers and hotel concierge staff so that Las Vegas professionals know that your tour business is opening. Offer complimentary tours so that bookers feel confident in sending clients your way. Consider paying reservationists a percentage for each booking completed.

Tags: business license, customers want, Grand Canyon, tour business, tour routes

Help For Veterans Facing Foreclosure

Service members on average have received $95,444 per household through the military Homeowners Assistance Program.

The government has initiated programs to assists veterans and service members facing foreclosure. President Obama and previous presidents, in cooperation with the Department of Housing and Urban Development, or HUD, and the Department of Defense, or DOD, jump-started these financial aid and counseling programs for distressed homeowners. Programs that have been implemented benefit veterans as well as the general population. Other initiatives include amending laws and providing free legal services to benefit service members. The veteran must still meet certain eligibility requirements to receive assistance.

Servicemembers Civil Relief Act

In 2003, President Bush signed the Servicemembers' Civil Relief Act into law. The act provides various options to ease the financial burdens of a service member ordered for active duty. These relief efforts include an automatic 90-day stay for any civil proceedings, as active-duty members can't be physically present in court. The law also protects service members from eviction, and caps interest rates at 6 percent for any debt.

Military Homeowners Assistance Program

The American Recovery and Reinvestment Act of 2009 expanded Homeowners Assistance Program, or HAP, benefits to include service members who have been adversely affected by a housing-market downturn. Eligible service members who have been ordered to relocate and need to sell their house receive a reimbursement if the home has experienced a 10 percent decrease in equity and if it was purchased prior to June 30, 2006. HAP benefits also include financial aid for the costs associated with a foreclosure and assistance with the resale of the home. The U.S. Army Corps of Engineers, or USACE, administers HAP.

Making Home Affordable Programs

The Obama Administration implemented the Making Home Affordable program to provide homeowners with alternatives to foreclosure. This program can assist veterans who are facing foreclosure to obtain a loan modification, loan refinance or, if they're currently unemployed, forbearance on mortgage payments. To be eligible for a loan modification or a forbearance, the homeowner's unpaid principal balance can be no more than $729,750; this figure is current as of December 2010. The homeowner must be able to demonstrate financial hardship, and the monthly mortgage payment must exceed 31 percent of total household income.

Stateside Legal

The Legal Services Corporation has provided funding to assist active-duty military members, veterans and military households with foreclosure counseling. Stateside Legal is an online resource that provides self-help and referrals for free legal advice. The website also has a list of helpful organizations that may assist a military family facing foreclosure. Stateside Legal is a volunteer organization consisting of private attorneys, civilian legal assistance attorneys and veteran service officers. Legal help may not be available in all states.

Tags: service members, Assistance Program, have been, Homeowners Assistance, Homeowners Assistance Program, Stateside Legal

Repair Rusted Body Parts With Fiberglass

Fiberglass is a strong repair material commonly used for rust repairs.

Rusted automobile body parts are commonly repaired with fiberglass, which is a very durable repair material. Fiberglass repairs consist of layers of reinforced fiberglass material that is saturated with catalyzed resin. Fiberglass will bond to almost any material including metal, plastic and even man types of porous wood. These repairs will last as long as the rest of the body if done correctly. All materials you will need to do a fiberglass repair can be found at your local marine supply stores or auto body supply stores.

Instructions

1. Put on safety glasses and grind away any rust from the surface of the metal. Wipe the repair with a damp rag of acetone and make sure all the damaged and rusty metal is removed.

2. Tear pieces of fiberglass mat to replace the rusted metal that was removed. Use as many layers as it takes and tear each one 1/4 inch bigger than the last.

3. Mix a batch of resin in a small bucket adding two to three percent catalyst. Stir the catalyst into the resin using the stir stick until it's completely mixed in.

4. Wet the surface of the repair area with the resin using a 4-inch felt roller. Apply the smallest layer of mat first in the center of the repair and saturate it with resin using the felt roller. Roll the layer flat and remove all the trapped air from underneath it with an air roller. Apply the next smallest layer and repeat the same process. Continue following the same procedure for each layer until the repaired area is built back up level with the surrounding metal. Let the fiberglass cure and harden for at least an hour.

5. Put a respirator on and sand the repair completely level with the surrounding metal using a palm sander with 220grit sandpaper. After it is sanded with the 220, re-sand it with 600 -grit to get it completely smooth.

Tags: resin using, felt roller, level with, level with surrounding, repair material, roller Apply, smallest layer

Fix An Overflowing Septic Tank

An overflowing septic tank usually means that your leach lines are saturated and clogged and you need to lay new lines in a fresh part of the yard. This will be a costly plumbing repair, and you may not have the resources to get the job done by a professional plumbing company. One "quick fix" is to have the septic tank drained by a mobile sewerage disposal company; this will eliminate sewerage backup for as long as it takes for the septic tank to refill with waste. This is only a temporary fix and will not last indefinitely; action must be taken to remedy the situation, moving toward a more permanent solution. Does this Spark an idea?

Instructions

1. Rent a backhoe for the day, which should be plenty of time to get the job of digging new lines for your septic tank. Hire someone qualified to drive the backhoe so you don't spend half the day learning operate heavy machinery.

2. Decide where to dig new leach lines. They must be located on undisturbed earth away from the old saturated leach lines. A slope of 1/8 inch per foot is adequate for leaching purposes and ideal for new leach lines.

3. Position the backhoe and begin digging a trench at least 4 feet deep. Repeat the process for the second trench.

4. Place a 4-inch layer of cinders along each leach line. Place the leach lines on the cinder layers. Cover each leach line with a layer of black sheathing.

5. Fill the trenches with the dirt you first removed and tamp down gently. Avoid walking on this part of the yard as the area tends to be softer than the rest of the earth; damage may be done to the actual leach lines, severely compromising the efficacy of the septic tank.

Tags: leach lines, septic tank, each leach, each leach line, leach line

Buy Basic Automotive Tools

Every car owner should have basic tools at home for keeping a car running or for doing minor repairs. Tools should have insulated grips (rubber or plastic-coated) for extra protection. Keep tools in a box where they can stay dry, and clean off grease, dirt and especially water after using them. You'll find many of these tools at hardware stores and auto supply stores.

Instructions

1. Figure out the extent of your capability. There's no need buying a slew of auto-repair tools if your maintenance knowledge is limited. However, that doesn't mean a novice can't repair minor damage.

2. Start simple. Buy a set of adjustable wrenches and a lug wrench, funnels, a jack and jumper cables. Stock up on some cleaning supplies and auto-only towels and rags to deal with oil spills and greasy hands.

3. Act like a pro. Even with limited knowledge, you can purchase a continuity tester to examine electrical circuits. They're fairly cheap, too. Buy a rubber mallet if you feel comfortable hammering out dings and making small body repairs.

4. Consult an auto mechanic on what's necessary. Just like a chef and his knife, a carpenter and his hammer, an auto mechanic usually has a couple of small, cheap must-have auto-maintenance tools. Ask around to see what you should get to begin your collection.

Tags: auto mechanic, should have

How Long Does A Person Have To File A Homeowner'S Insurance Claim

The time limit for filing a homeowners insurance claim differs from company to company and state to state. Successful claim filing must be done quickly to ensure the necessary information and evidence is available. Since it is your responsibility to prove that damage was done at a specific time and date, filing the claim quickly helps you keep the facts straight and the claim complete.

Insurance is Regulated by State

Insurance is regulated by individual states, but most states, including Kansas, do not set time limits on when a home insurance claim can be filed. The Kansas Insurance Commissioner points out that not filing a claim right away could result in the claim being denied, due to loss of evidence or additional damage emerging that overturns the responsibility of the insurance company.

Insurance Company Time Limits

Insurance companies, according to the Homeowners Insurance Guide, set their own time limits for filing a claim. Some companies may set the limit as low as 30 days after the incident, but most companies will give you as much as one year. The time limits set by your insurance company should be clearly stated in your policy, but if you are having trouble finding out where it is listed you can call your insurance agent for more information. Insurance companies may issue an extension for some cases, such as a home that cannot be evaluated for some time after a major storm or catastrophe. If a recent storm has caused widespread damage, insurance companies may extend the time limit to give their appraisers more time to visit customer homes.

Burden of Proof

The burden of proof is your responsibility. If a recent rainstorm damaged your roof, it is your own best interest to get the claim filed as soon as possible so that the storm is fresh in memory, and before the damage has time to escalate into further damage which could be denied coverage under your policy's negligence clause. If an appraiser finds damage that could have been prevented by filing the claim sooner, you could be held responsible for paying the additional repairs out of pocket.

Time is Important

Once you have filed a home insurance claim, the insurance company will have up to 30 days to investigate the initial claim. If problems with settling the claim are found, the insurance company can postpone the settlement for an indefinite period of time, as long as you are notified at least every 60 days that the claim is still under investigation. For insurance companies, time is critical to establishing the cause and minimizing potential damage, especially in situations where the homeowner needs to make repairs quickly to protect the structure of the home from additional damage.

Tags: filing claim, insurance company, insurance claim, additional damage, claim filed

Replace The Headlight Bulb Of A 1997 Ford Aerostar

The 1997 Ford Aerostar was designed with a composite headlight system, which means you only need to replace the bulb when a headlight burns out instead of the entire headlight assembly. Unlike many other composite headlight systems, the headlights on the 1997 Ford Aerostar are removed like a sealed beam headlight system, which requires you to replace the entire headlight assembly. Change your headlight bulb immediately after it burns out to ensure your safety while driving at night or in inclement weather.

Instructions

1. Park the Aerostar on a flat surface and engage the parking brake. Ensure the headlight switch is in the "Off" position.

2. Remove the four screws from the headlight trim using the Phillips screwdriver and pull the trim off of the headlight. Two of the screws are on the top of the trim and two are on the bottom.

3. Unscrew headlight lens retaining screws located on the top and the bottom of the headlight lens and pull the lens out of the front of the vehicle. Do not pull too hard or you may damage the electrical connector.

4. Pull the electrical connector off of the bulb in the headlight lens. You will notice a retaining wire sitting over the back of the bulb, which is used to secure it in the headlight lens.

5. Remove the retaining wire by sliding a flat-head screwdriver underneath it and pulling up.

6. Twist the bulb and pull it straight out of the lens. Discard the old bulb.

7. Insert the new bulb into the headlight lens by lining up the tabs on the bulb with the slots on the headlight lens. Do not touch the glass part of the bulb with your hands. The oils on your skin will shorten the life of the bulb.

8. Push the retaining wire onto the back of the bulb to secure the bulb and plug the electrical connector into the back of the bulb.

9. Slide the headlight lens into the car frame and attach the four lens screws.

10. Reattach the headlight lens trim and attach the four trim screws.

11. Repeat Steps 2 through 10 with the other headlight.

Tags: headlight lens, 1997 Ford, 1997 Ford Aerostar, back bulb, electrical connector

Kid'S Birthday Party Ideas In Southern Ontario

Residents of Southern Ontario have a variety of birthday party places children can choose from to celebrate. The recreational diversity ranges from wild and crazy energetic commercial venues to old-fashioned farm fun and educationally stimulating activities. Options are available in Southern Ontario for every kind of child to enjoy a special birthday party. Does this Spark an idea?

Waterloo Regional Children's Museum

Birthday parties at the Waterloo Regional Children's Museum in Kitchener are a bargain. As of 2009, the museum's party room rents for $50 an hour. Museum members can use it for only $45. Admission for each guest is 15 percent off the regular admission price. Museum workers decorate the party room for the party and clean it up afterward. The museum also supplies plates, utensils, cups, a cake lifter and ice cream bowls. The museum is set up to be a place where children explore freely, without a tour guide. Interactive exhibits and displays allow children to learn about physics, chemistry, mathematics and art through free, non-directed play.

Waterloo Regional Children's Museum

10 King Street West

Kitchener, ON N2G 1A3, Canada

(519) 749-9387

www.thechildrensmuseum.ca

East Park Golf Gardens

East Park Golf Gardens in London is a popular birthday party venue. The enormous facility offers miniature golf, water slides, rock climbing, bumper cars, a jungle gym, a batting range, video games and a splash pad. The facility offers several party packages, which begin at $10 per child. The facility welcomes large parties, and it has attractions for children of all ages. On their birthdays, children get to spin the birthday wheel to win a prize. Most party packages come with pizza, hot dogs, pop and tokens. A T-shirt and commemorative photograph are also available.

East Park Golf Gardens

1275 Hamilton Road

London, ON N5W 1B1

(519) 451-2950

http://eastparkgolf.com/pre-birthday.php

Horse Drawn Tours in Saint Jacobs

Spending the day in Saint Jacobs is like stepping back in time. The area is rich in Mennonite heritage and has plenty of wholesome fun for children. In the spring, visitors can shop at the St. Jacobs Farmers Market and select bottles of fresh maple syrup. Winter is the perfect time for visitors to sip cocoa and sing carols, while taking ride through snow-covered streets with the horses of St. Jacobs Horse Drawn Tours. The company uses draft horses and allows children get to know the animals. The company has large trolley-car style carriages, as well as open wagons and sleighs, which can be suited to different group sizes. In the village, enjoy a tasty, wholesome meal made with local produce. Saint Jacobs prides itself on its agriculture.

St Jacobs Horse Drawn Tours

1945 Chalmers Forrest Road

Millbank ON N0K 1L0

(519) 656-9989 office

(519) 500-5168 cell

www.stjacobshorsedrawntours.com

Tags: birthday party, Children Museum, Drawn Tours, East Park, East Park Golf

Grants For Home Repairs For Veterans

After serving with honor, many disabled veterans receive needed and deserved home improvement assistance.

After serving the country, many disabled veterans and service members face certain housing and home care challenges, such as difficulty accessing the home or the lavatory. The federal government's Department of Veteran Affairs offers home improvement grants to veterans to help ease some of these challenges.

HISA Grants

The Veterans Administration issues Home Improvement and Structural Alterations grants to veterans with disabilities that require them to install rehabilitative equipment, therapeutic devices and other medical treatment equipment in their homes. HISA Grants provide up to $2,500 for veterans with a disability connected with their service and $600 for veterans with disabilities from other causes.

SAH and SHA Grants

Veterans with debilitating conditions such as paralysis can apply for Specially Adapting Housing grants of up to $50,000. SAH grants are most often used to add wheelchair accessibility to the home. Veterans with slightly less extreme disabilities, such as the loss of both hands or blindness in both eyes, may apply for Special Housing Adaptation grants of up to $10,000 to assist with mobility throughout the home.

TRA Grants

Congress created Temporary Residence Application grants for service members and veterans who do not own their home but instead are staying with family. To qualify, the stay or intended stay must be considered temporary. Those qualifying under SAH grant terms receive up to $14,000, and those qualifying under SHA grant terms receive up to $2,000.

Tags: After serving, disabled veterans, grant terms, grant terms receive, Grants Veterans

Build Outdoor Concrete Steps

You can pour concrete steps in your yard.

Pouring your own concrete steps is not an easy do-it-yourself project. In most cases, you should leave a project like this to a contractor or handyman to ensure the steps meet city code for rise and run. Preformed wooden stair stringers can make this project possible for the handy homeowner. The stringers come in a variety of sizes and allow you to set out a mold before pouring the concrete. Does this Spark an idea?

Instructions

1. Level the spot where you intend to put your steps. Dig out excess dirt to level the area and compact firmly with the back of the shovel. Lay the stringers out in their intended location. Slide shims into the ground on either side of the stringers to support them and secure in an upright position.

2. Measure the distance across each step. Cut 2-by-8 lumber to fit across the stringer to form the front of each step. Attach the 2-by-8 piece of wood to the stringer tightly using deck screws. Spread cooking oil across the inside of the stair mold. Greasing will make it easier to remove the boards once the stairs have cured.

3. Purchase premixed concrete from your local home improvement or hardware store. Premixed concrete is a blend of cement, sand and gravel and is a good choice for small home improvement projects like stairs.

4. Shovel the concrete into the mold overfilling slightly. Tamp down the concrete and eliminate bubbles and air pockets with a shovel. Smooth the top of each stair with a trowel. Allow the concrete to cure for 24 to 48 hours. Remove the forms.

5. Coat the steps with a sealer to protect the concrete from moisture. You can find concrete sealer in the paint section of your hardware store. Roll the sealer on the steps with a quarter-inch nap roller.

Tags: concrete from, concrete steps, each step, hardware store, home improvement, steps with

Dispose Of A Lawn Mower

Donate, sell or recycle an old lawn mower.

If you want to get rid of your old lawn mower, there are a variety of resources you may use to get it off your hands. For a lawn mower in working condition, donate it or try to sell it. Recycle old lawn mowers to reuse parts and prevent the mower from heading to the landfill. Drain any gasoline or oil from the lawn mower before donating, selling or recycling. Does this Spark an idea?

Instructions

1. Sell your working lawn mower by placing a classified ad in a newspaper or online.

2. Donate the lawn mower to an organization in need, such as a local church or shelter.

3. Research your area to see if there are any recycling locations that accept lawn mowers. Freecycle.org, BriggsandStratton.com and Earth911.org are three websites that show you where there are recycling locations near you based on the zip code you enter.

4. Contact your city hall for information on recycling programs for lawn mowers. Some cities and counties feature a lawn mower roundup, which allows you to drop off a mower at no or little cost. If a city doesn't have a recycling roundup, take the lawn mower to a scrap-metal location to be broken down for parts.

Tags: lawn mower, lawn mowers, lawn mower, recycling locations, there recycling, there recycling locations

Get A Rebate For Energy Star Appliances

An energy efficient refrigerator will save money in many ways, including a potential rebate.

The U.S. Department of Energy has approved millions of dollars to go to customers who buy energy efficient appliances in place of their old appliances. Each state has created its own rebate program. The program is also known as the "cash for appliances" program. With this program, you will be eligible to receive a $50 to $250 rebate. Getting a cash-back rebate from buying a new appliance can help you put money toward other needs. Though the rebate is targeted to continue until February 2012, you will want to take advantage of the program because the money is going quickly, and some states have already exhausted their rebate funds. Does this Spark an idea?

Instructions

1. Review your state's guidelines. Check with your state's energy department for guidelines about the cash for appliances program. Be sure that you go to your state's Department of Energy to find out specific guidelines. These guidelines will include the time frame of when the appliance should be bought to qualify for the rebate. In general, anyone who buys an Energy Star appliance during the specified purchase time frame set by the state is eligible for the program.

2. Figure out what appliance you would like to purchase. Research and ask the store where you intend to purchase the appliance whether the appliance qualifies for the cash for appliances program, just to be on the safe side.

3. Purchase the appliance as soon as possible because the rebate funds are on a first come, first served basis. Follow your state's submission process to receive your rebate.

Tags: your state, appliances program, cash appliances, cash appliances program, Department Energy, energy efficient

Prioritize Your Spending

Prioritize Your Spending

If you're living on a bare bones budget, or trying to make ends meet, a prioritized spending plan is essential. Prioritizing your spending will ensure that your necessary bills are paid in order of importance. The basic human necessities should always be paid first. If you can maintain shelter, food, and utilities, you can live to fight another day and have the strength to tackle the rest. Although creditors breathing down your back is annoying and stressful, they should always be paid after your essential needs are met.

Instructions

1. On a sheet of paper, list all of your monthly expenses (rent, food, utilities, car payments, phone bill, etc).

2. Number in order of importance, the priority of each bill. In other words, if you only have the money to do one thing, what should it be? Hint #1: rent or mortgage is always first.

3. Ask yourself, if I can only do one more thing, what would it be? Hint #2: food is always second.

4. Repeat Step 3 until you've ordered (or prioritized) your entire list.

5. Rewrite your list in numerical order. (Example: 1, 2, 3)

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6. An example of a prioritized spending plan would be: 1) housing, 2) food, 3)utilities, 4) transportation, 5) daycare, 6) medications, 7) essential clothing, 8) toiletries, 9) telephone, 10) car insurance, 11) personal loans, 12) credit cards.

7. Begin subtracting from your take home pay, the items from your list. (Example: $2000 take home pay - $700 rent = $1300).

8. Repeat Step 7 until you've subtracted everything on the list from your take home pay, even if it becomes a negative number.

9. If you end up with money left, save it to build an emergency fund. If you end up with a negative number, that means you have a shortfall.

10. In case of a shortfall, look for ways to cut your expenses or increase your income by getting a second job or a new job.

Tags: food utilities, from your, take home, always paid, from your take