Much has been written about avoiding electric bill shock in cold weather, but fewer savings tips for the summer heat are available. Until now. Here are some tips to help you lower your electric bills during the summer and early fall.
8 Ways to Minimize Electric Bill Shock
1. Get the right window or room air conditioner. ENERGY STAR® publishes guidelines to help you learn what size unit to install based on your room size. You shouldn’t use one more powerful than you need since you’ll waste energy.
2. Have a technician fine tune your HVAC system. Even slight problems can reduce your system’s efficiency by up to 20 percent. An annual check up by an experienced technician can eliminate this energy waste.
3. Keep your filters clean. If you have central air conditioning, change your filters regularly. A monthly cycle should be sufficient. Window units usually have washable filters that should be cleaned whenever they clog with dust. Central and window units lose efficiency and, therefore, work harder (as in using more electricity) when air flow becomes difficult with clogged filters.
Endowment life insurance is often put under fire by financial experts because the Tax Reform Act of 1984 took away many of the tax advantages of this type of life insurance plan. However, in many cases, an endowment insurance policy is a wise financial choice for saving for the future—especially if it offers life insurance coverage at full endowment value even before its maturity date, like the Gerber Life College Plan.
An endowment insurance policy differs from a whole life insurance policy in one very significant way—it matures and reaches endowment value faster than a whole life insurance policy. That’s why an endowment insurance policy is a good choice for saving for college. And you can get guaranteed coverage for as little as a dollar a day.
With the Gerber Life College Plan, you can set the maturity date to coincide with your child’s first year of college. You may also consider four separate policies, so you can cash in one per year and spread out the costs.
With college costs rising at an average rate of 4-6% per year, isn’t it time you started saving for your child’s future?
In the United States, Mother’s Day has become as American as, well, the apple pies that some moms bake. Believe it or not, that wasn’t always the case. Up until 1914, when this special day was designated a national holiday, there was no official celebration to honor moms. Of course, families didn’t need the government’s stamp of approval to make mom feel special, but Mother’s Day certainly is a great reminder for sons, daughters and families to honor these special women. Take our Mother’s Day Quiz to see if you’re as smart as your mother always said you were.
- Which President designated Mother’s Day as a national observance: Woodrow Wilson, Herbert Hoover or Calvin Coolidge?
- Mother’s Day is celebrated on which day: the first Sunday in May, the second Sunday in May or the third Sunday in May?
- According to the U.S. Census Bureau, how many women in the U.S. are mothers: 44.6 million, 82.5 million, or 136 million?
- How old was Satyabhama Mahapatra, the oldest woman to give birth, when she had her first and only child: 65, 70 or 75 years old?
- Which TV mom said, “You can never raise a hand to a child. Just stop cutting the crust off their sandwiches. They’ll get the message.”: Marion Cunningham (Happy Days), Marge Simpson (The Simpsons) or Jill Taylor (Home Improvement)?
Before you read the rest of this article, know that it may change your life forever. If you give mom the gift described below, she may never stop hugging you. Imagine how difficult that would make going to work or how hard it would be to attend school with mom sitting right by your side all day long. Still, if Mother’s Day is about making mom feel special, this gift is sure to please. And best of all, you’ll only need two things: a video recorder and your family.
As you may have already figured out, you’re going to make a video for the special mom in your life. What kind of video? Well, that’s really up to you, but we’ve got some great ideas to get you moving in the right direction.
Since mom is always right and may always say “Money doesn’t grow on trees,” show her how much you’ve learned by giving her a gift that stretches your love, not your budget. Here are four great gift ideas:
- Make a meal she loves – There’s no doubt you’re going to have a special meal on Mother’s Day, but going out to dinner can be expensive, especially if the whole family is coming along. So, why not make mom her favorite meal? To make the experience seem more like going to a restaurant, be sure to provide an appetizer, main course and dessert. For an added level of realism, have the kids play the role of waiter or waitress (but don’t let mom leave the tip