Monday, April 23, 2012

Going Green In Your Home!

6 Green Home Improvements

Posted by b_oneill on Apr 19, 2012 2:27:30 PM
Going green means different things to different people. For some, it’s getting LEED certification; for others, it’s screwing in an energy-efficient light bulb. The good news is, no one is judging (well, maybe the LEED-certified folks are, just a little) and at every level, there are pay-offs. While some federal tax credits for energy-efficient improvements expired on Dec. 31, 2011, you can still get points from Uncle Sam and state and local governments. And, since green materials create healthier homes and tend to stand up better to disasters, some insurance companies offer incentives as well. Here are six eco-friendly upgrades-with-benefits.

Geothermal heat pumps
Instead of burning fuel like a furnace does, a geothermal heat pump capitalizes on the earth’s stable temperature (about 55° F at six feet under) to provide heating, air conditioning and, in most cases, hot water. These systems will save you between $400 and $1,400 a year, but the installation price is hefty (anywhere from $11,000 to $30,000). Federal tax rebates repay 30 percent of your costs, helping a bit; check EnergyStar for more information.

Solar panels
Rooftop solar panels pack energy-saving potential, plus their cool appearance will get you instant respect from your neighbors. They typically cost between $10,000 and $20,000 to install, but a 30 percent rebate on your federal taxes, along with state and local incentives, will save you money. Expect a return on your investment in three to ten years, depending on how expensive electricity is in your area. To learn more, check out: http://howsolarworks.1bog.org/solar-economics/

Bamboo flooring
Bamboo hits that eco- and wallet-friendly sweet spot in that it’s both less expensive than real wood and more sustainable (bamboo plants take five years to mature, while trees take 50). Plus, it looks simple yet elegant, and is stronger than oak. Prices will vary depending on whether you get solid bamboo or engineered.


Recycled glass tile

Want to create a gorgeous shower surround or kitchen backsplash and feel smug and virtuous? Recycled glass tiles
are absolutely beautiful, come in both subtle opaque shades and bold colors and will not break the bank. These tiles are often less expensive than standard tiles but have the same quality. 

Green_interior_home.jpg
Low-VOC paints, glues and finishes
In a remodeling project, every surface needs to be covered and sealed, and that means odors galore. Many products will off-gas volatile organic compounds (VOCs) for weeks, even months, after the project is complete so it makes sense to minimize the toxicity level. If you can’t afford to go green on everything, go green on a few materials. The smaller party those chemicals are having in your house, the better. 

Dual-flush toilets
These nifty toilets have two buttons instead of a single lever. The smaller button disposes of liquid waste (which, of course, requires less water) and the bigger one takes care of the bigger stuff. According to the Sierra Club, a family of four can save 7,000 gallons per year by switching to a dual-flush toilet. And they don’t cost much—you can get one starting at $250.

If your home improvements don’t qualify you for a federal tax credit, inquire about incentives with your state government or local utility. Also check out the Database of State Incentives for Renewables and Efficiency.  And remember, taking steps toward LEED certification could lower your insurance premiums

Thursday, April 19, 2012

Wednesday, April 18, 2012

The Lines


The Lines

Welcome to The Lines, Allstate's first-ever original teen web series — and a huge part of our goal to get teens making smart decisions behind the wheel. To make a safe driving promise yourself — or to find out what your teen driver can do — visit our Allstate Teen Driver site.

Thursday, April 12, 2012

Writing Your Personal Bucket List

Posted by bob on Apr 11, 2012 7:09:44 AM
Whether it’s a weeklong family vacation or an evening out with my wife, I always try to make the most of every experience. That’s why I’ve already started working on my personal “bucket list.” Even though I have years left before I plan to retire, I want to be sure to do as much as I can while I am ‘young’ and healthy. Here are some things I considered while creating my list of lifetime must-dos:

iStock-Bucket-Red.jpgSet yourself up for success
I’m using my bucket list as a chance to chase life’s experiences. I need to remind myself not to shy away from an experience because you never know what tomorrow might bring. And following through on those goals requires some planning.

I enjoy travel, so one goal I made sure to include was visiting the sites of the Seven Wonders of the Ancient World. While I know this one might take a while (as opposed to, say, number 20 on my list: making calzones from scratch – which I have already done), it’s something I’ve always wanted to do and a goal I can chip away at over time. Right now, I’m busy compiling information about each destination, including nearby hotels, restaurants and annual weather patterns. I also started a “Seven Wonders” savings account, to which I contribute a set amount each month. I figure it will take me about two years to save enough funds, but I know it’ll be worth the work. You only get one life—and there’s no reason to keep yourself from really living it.

Incorporate multiple interests
For me, it was important to divide my bucket list into several different buckets—that way, I’d be sure to cover a variety of interests. In addition to extravagant trips and indulgent meals, I considered experiences that could make a difference in my community. There were a few volunteer projects I wanted to do but had little time for between business trips and driving the kids to practice, such as helping out in a local classroom. Plus, I’ve always wanted to build a house with Habitat for Humanity, so that was one of the first things I added. I plan to talk my daughters into joining me—it’ll be great to roll up our sleeves and get to work!

Stay committed
With so many goals on the list, it’s easy to see how planning to reach them could become overwhelming. I thought if I made others aware of my plans, I’d be less likely to talk myself out of accomplishing them. Of course, I’ve shared the list with my wife, but have also talked to co-workers and close friends about my plans. One friend told me to check out bucketlist.org which would allow me to post my personal bucket list for others to see, and also give me the chance to add anecdotes, photos and videos each time I complete an item on that list. I am considering creating an action plan, such as meeting one goal per month, in order to hold myself accountable.

Whether your bucket list has five items or 50, taking the time to write it out can be an eye-opening experience in its own right. And, of course, if you do end up planning that trip to eat gelato on the Italian Rivera, my wife and I would gladly tag along.

Thursday, April 5, 2012

Life Insurance

Life insurance — it's protection for your family and peace of mind for you.

It's amazing when you really stop and think about all the effort you put into protecting your family. You provide a roof over their head, a safe, loving environment and the encouragement to tackle each day confidently. You do all this naturally because you love them. Life, unfortunately, doesn't give us any guarantees that we'll always be around to provide for our loved ones. That's where life insurance can help. It helps provide some financial security in the event of the unthinkable. With each monthly payment you know you're helping to protect your family with a way to help cover medical bills, funeral costs, mortgage or rent, college tuition and many other living expenses. That's peace of mind for you knowing that regardless of what happens, you've provided for them.

Find an affordable life insurance solution today that's right

Tuesday, April 3, 2012

Warm weather means fun in the sun,
 time to start planting !
 
By Jed Boal
Anchor/Reporter KSL 5 News 6:30 pm
 
SALT LAKE CITY — Warm weather arrived in Utah this week along with the first day of spring. That means it's a go-do-it weekend for those ready to begin work in the garden, head to the park or perhaps head to City Creek to check out the new mall.

Out at Liberty Park Friday, Jenny Morley and her husband were enjoying their first picnic of the spring with their Labrador Moki.

"He's just a puppy," she said. "He's never been to Liberty Park before, so we decided to come have lunch and let him explore the park."

Nearby, 5-month-old Clara Berger was basking in her first spring, in view of budding trees, grass returning to color and with a mom eager to enjoy the change in weather.

"(I) love the warmth and the sun and finally (being able) to take the kids out and play," Kari Berger said.

But spring is a very fickle friend in Utah, so people get out to play whenever they can and proceed with caution in the garden.

“Our average high in mid-March is in the low to mid-50s,” KSL meteorologist Lynae Miyer said. But this year temperatures have been on a roller-coaster ride, with highs this month ranging from 37 to 71 degrees.

With the temperature changing so much, people may hesitate to work on their garden, but there are things they can begin to do, the experts said.

Western Garden Centers Manager and Consultant Ben Hall has three tips for gardening in early spring:

  • Trees and shrubs can be planted and withstand daily temperature changes. “The ground is going to insulate any roots, so if it gets cold the roots are still growing,” he said.


  • Cool season plants like pansies and primrose, are good choices this weekend. In the vegetable garden, people can plant lettuce, spinach, carrots, turnips and beets. "You can get snow on top of all of this stuff and it'll do fine," he said."


  • The third weekend option is to fertilize the lawn. “You want to use an early fertilizer," he said, which controls weeds and noxious grasses by forming a barrier in the soil. The  nitrogen will soak in when the weather changes again.

“Typically in Utah, it will snow in April, and it will snow in May,” he said. But early season gardeners are undaunted.

The weekend forecast calls for sun Saturday with temperatures in the low 70s. Expect winds from the south at 10 to 20 mph. Windier Sunday with partly cloudy skies and  winds from 20 to 40 mph. Cooler temperatures on Monday with a storm system bring a 30 percent chance of showers along the Wasatch front, with temperatures in the low 60s.