How Do we improve the air quality in our Homes?

 Usually the most effective way to improve indoor air quality is to eliminate individual sources of air pollution or to reduce their emissions. Some sources, like those that contain asbestos, can be sealed or enclosed; others, like gas stoves, can be adjusted to decrease the amount of emissions. In many cases, source control for air quality is also a more cost-efficient approach to protecting indoor air quality than increasing ventilation because increasing ventilation can increase energy costs.

Most home heating and cooling systems, including forced air heating systems, do not mechanically bring fresh air into the house. Opening windows and doors, operating window or attic fans, when the weather permits, or running a window air conditioner with the vent control open increases the outdoor ventilation rate and serves as a simple form of air cleaners. Local bathroom or kitchen fans that exhaust outdoors remove contaminants directly from the room where the fan is located and increase the outdoor air ventilation rate.

It is particularly important to take as many of these steps as possible while you are involved in short-term activities that can generate high levels of pollutants–for example, painting, paint stripping, heating with kerosene heaters, cooking, or engaging in maintenance and hobby activities such as welding, soldering, sanding, model making and gluing.

However, remember that for most indoor air quality problems in the home, source control is the most effective solution.

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Is Consumer Confidence on the rise?

Is Consumer Confidence on the rise?

bigstock-Dollar-Raising-Charts-34022480U.S. Consumer Confidence  rebounded strongly in March within optimism over the labor market while house prices increased in January.

Rising confidence and home prices adds to the belief that the first-quarter slowdown will be temporary.

While consumers were less optimistic about the short-term outlook, they had greater confidence in the labor market, with the share of those anticipating more jobs in the months ahead increasing significantly. The proportion of consumers expecting income growth also rose solidly, which should help to strengthen  Consumer spending.

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New Mortgage guidelines in effect since December 1st !

New Mortgage guidelines in effect since December 1st !

WASHINGTON-MAY 23: Fannie Mae's mortgage portfolio shrank at 19%Fannie Mae and Freddie Mac launched their new mortgage guidelines that went into effect last December 1st, now requiring a much lower down payment. From the previous 5% to 3% in what lenders hope will be a good kick start from a sluggish housing market that we have seen lately.

Now the brain trust at WalletHub has released its 2014 Mortgage Insurance Report to help low-down-payment home buyers save up to $12,000 on their decision between a Federal Housing Administration loan and private mortgage insurance.

On the other hand FHA premiums, unlike private mortgage insurance, continue to be assessed throughout the life of a loan, even if the loan to value ratio drops below 80%. This creates a huge cost disparities over time, between private mortgage and the FHA option.

New mortgage guidelines are expected to significantly increase the availability of more new purchases.