Monday, January 25, 2010
Efficient home heating
Sealing your house up tight for both winter and summer is the cost-effective way to go.
The temperature is inching up toward the 40s and every once in a while the sun shows promise. The days of subfreezing temperatures and windy blasts are over, right? Not so fast there. We humans can have remarkably short memories, and here it is just the middle of January. Instead of reminding your family that layering clothes is perfectly normal inside, let’s revisit why you should get serious about home heating efficiency.
While these tips are primarily about the heating season, they are just as applicable for the summer months too. An air leak is an air leak, whether heat is leaking or the cold air conditioning is leaking.
Stop the leaks. Finding air leaks is the first task on the road to make your home more heat efficient. Anywhere there is an opening in your house, the potential for air leaks exists. Check window frames, doorframes, attic entrances, electrical outlets and ductwork. To check for leaks, use a lit incense stick and watch for horizontal smoke. Hardware stores have a multitude of weatherproofing kits and caulking. Addressing even the most minor air leaks can result in substantial utility savings.
Ductwork systems may be wasting your energy dollars. Often overlooked, typical duct work can lose 25-45 percent of your heating or cooling energy. Look for leaky joints or holes in the duct system, disconnected ducts that have separated from each other and un-insulated or poorly insulated ducts in attics and crawlspaces.
Sealing ductwork is really a job for the professional, who can assess your problems, especially in unconditioned spaces. Minor fixes are temporary at best. Going the professional route can reduce your annual utility bills by as much as $300 and better yet, improves the overall air quality.
Total house insulation is another job for the pros. This is one of the most cost-effective ways to reduce energy loss and outside noise. Research the recommended standards for your region in R-values. The higher the R-value, the less transfer of heat through the material.
Thermostats can save big bucks. For every one degree you lower the temperature in your house over a 24-hour period, savings can go up three percent. Adjusting your thermostat down 10-15 percent for an eight-hour period each day gives you a 10 percent annual savings. Programmable thermostats will automatically turn the heat down while you are at work during the day and at night.
Ceiling fans aren’t just for summer. While we think of ceiling fans as a way to stay cool in the summer, they are also heat savers in the winter. By reversing the blades, ceiling fans re-circulate the rising warm air back down into the living area.
Plugging leaks is the single most effective way to make your home energy efficient not only for you and your family, but also for potential buyers, who are even more cost-conscious than usual.
And it shows your home is well taken care of and maintained.
Written by Myra Vandersall
Monday, January 18, 2010
Haiti relief help
With more than one million Haitians in need of shelter, donations will help tremendously. And, the “St. Louis Musicians for Haiti” concert at the Sheldon sings for Doctors Without Borders.
The devastation caused by the earthquake in Haiti is incomprehensible, but the goodness of the human spirit is alive with an outpouring of help and donations. As real estate agents, we know how vital housing is–a safe place to shelter a family. The United Nations Office for the Coordination of Humanitarian Affairs estimates that more than 200,000 families (up to one million people) are in need of immediate shelter, but these figures are yet preliminary. While the organizations that do need donations are too numerous to list, we suggest considering Habitat for Humanity to help provide housing for Haitians in the short and long term. For information on how to help, call the Habitat for Humanity of St. Charles County at 636.978.5724 or visit the St. Louis chapter of Habitat for Humanity website.
Another way to support the cause and enjoy some of the best music St. Louis has to offer, is to attend the “St. Louis Musicians for Haiti” concert. A diverse group of St. Louis musicians will take the stage of the Sheldon Concert Hall at 7:30 p.m., Tuesday, February 9, to raise money for Doctors Without Borders’ Haitian earthquake relief efforts. The concert features jazz, blues, soul, folk, classical and more, from a lineup that includes singer Brian Owens; folk group Mayor Taylor, featuring Lydia Ruffin and Charlie Pfeffer; the Bottoms Up Blues Gang; pianist Peter Martin; singer Mardra Thomas and her pianist/husband Reggie Thomas; singer Kim Massie; pianist Peter Henderson; opera singer Christine Brewer and more. Julius Hunter, author and former TV newscaster, will host the evening.
Tickets are $15 for general admission, and are on sale now. You can purchase tickets via metrotix.com or by calling 314-534-1111. For more information, call The Sheldon at 314-533-9900 during normal weekday business hours, 9:00 a.m. to 5:00 p.m. Monday through Friday.
Written by Myra Vandersall
Tuesday, December 29, 2009
Calendar of Events - January
21st Annual New Year’s Day KATY Trail Ride 11 a.m.
Defiance, MO
Sponsored by Trailnet. An enthusiastic group of bicyclists have started each New Year with a bike ride on the KATY Trail. Join them this year for the 21st Annual New Year’s Day KATY Trail Ride. The group will leave from the KATY Trailhead in Defiance at 11:00 am and ride to Augusta (7 miles). They will stop for lunch upon their return to Defiance, depending on restaurant availability. Please dress in layers and wear a helmet.
Sunday, January 3
St. Louis’ Best Bridal Show
St. Charles Convention Center
Noon-4 p.m.
The bridal fashion show features elegant and popular wedding dresses, gifts, appetizers, drinks, music and wedding planners.
$5
For more information, go to http://shows.stlouisbestbridal.com/ or call 314-744-5777
Saturday, January 9-Sunday, January 31
Eagle Days
Various locations
Events include live eagle programs, activities, exhibits, video, guides with spotting scopes and refreshments.
For details go to the Missouri Department of Conservation and download the Eagle Days brochure, or call 573/751-4115 ext. 3289
Saturday, January 9-10
Snowflake Making
The Magic House, Kirkwood, MO
Saturday, 10:00-5:00 Workshop Sunday, 11:30-5:00 Workshop
Let it snow with artist Marion Nichols as she shares the unique art of cutting paper into intricate snowflakes. Join the blizzard of activity in the museum’s Expericenter to discover how to snip fantastic flakes of your own designs. A former preschool art teacher, Marion Nichols is renowned for transforming ordinary sheets of paper into delicate snowflake patterns, and is the author of several books on the subject.
Info at the Magic House or call 314-822-8900
Friday, January 15-Sunday, January 17
St. Charles Boat Show, Sale and Fisherman’s Expo
St. Charles Convention Center
Friday, 1-9 p.m.; Saturday, 10 a.m.-8 p.m.; Sunday, 10 a.m.-4 p.m.
Boat dealers showcase their new, non-current and pre-owned boats, plus all things fishing, including tackle, rods, reels, boating accessories. Family fun for young anglers, seminars and speakers, and boating safety by the U.S. Coast Guard Auxiliary.
Regular Admission - $6.00 / Ages 6-15 $3.00. 5 & Under Free
On Friday, seniors age 60 and above admitted for $3.50
Info at http://www.letsgoshows.com/
Saturday January 23
Winter Wildlife Tracking-Learn from the experts
St. Charles Park District
Pottawatomie Community Center, 8 North Ave.
9 a.m.-noon
You’ll never look at “bare” ground again after this tracking class taught by top experts in the field. Learn how to interpret tracks, tail patterns and scat to identify wildlife. Begin with an interactive indoor class with overview of local fauna and tracking techniques, the outdoors to practice what you’ve learned.
Ages 18 and over. To register, call 630-513-6200.
$10
Saturday, January 30
Fete De Glace (Festival of Ice)
100-200 block of North Main
Watch professional ice carvers bring the art to life in a competition using chain saws, power grinders, sanders, cold chisels, hand saws, and irons from 10am-3pm. This competition is judged and juried by the crowd. Coffee and hot chocolate will be available and nearby fire pits to warm up.
Free
January 31-February 28
The Big Read National Endowment for the Arts
The Big Read is designed to revitalize the role of reading in American public culture.
Foundry Art Centre, 520 N. Main Street
The book chosen for participation is The Adventures of Tom Sawyer by Mark Twain. The Foundry Art Centre and the St. Charles Community College Library sponsor the Big Read in St. Charles City/County and bring the community the power of literature.
For more info call 636-255-0270
Friday, December 18, 2009
$35 million economic development package passed at MHDC
The $35 million package was approved at today's MHDC meeting, which was webcast live for the first time ever in an effort to bring increased transparency to the housing agency. The package provides:
1. $15 million to pay the first year of property taxes for qualified homebuyers who purchase a new or existing home after January 1, 2010. This has the opportunity to help between 9,000 and 11,000 Missouri families making less than $100,000 a year.
2. $15 million to finance and begin construction on affordable multi-family housing. This will create and save thousands of jobs at a time when Missouri unemployment is over 9% and allow us to continue to make quality affordable housing available to all Missourians.
3. $5 million in assistance to qualified homebuyers to help with down payments and closing costs. This helps potential homebuyers overcome the obstacle of coming up with enough cash for a down payment and closing costs. MHDC has been a national leader on this front.
4. Additional assistance to homebuyers who purchase an energy-efficient home or purchase energy-saving appliances. This is an opportunity to raise energy-efficiency standards in Missouri, making a positive impact on both the economy and the environment. It's a win-win.
This economic development package provides property tax relief to thousands of Missourians at a crucial time in our economy without spending Missouri tax dollars. This will be paid for entirely out of MHDC's reserve fund and federal recovery funds already in our possession. This comes in addition to more than $100 million in recovery funds and more than $19 million in reserves already allocated to boost Missouri's economy and put Missourians back to work.
My goal as Chair is to ensure MHDC is playing a pivotal role in Missouri's economic recovery and I believe we are doing that. The agency already offers competitive interest rates on home loans for qualified borrowers and a cash assistance loan plan for first-time homebuyers to help with down payments and closing costs. MHDC has also been a national leader in allowing Missourians to use the $8,000 federal first-time homebuyer tax credit up front for a down payment or closing costs. This program has been a success and will continue until at least April of 2010.
At a time when economic resources are scarce, it is important for you to know that I am constantly looking for new and innovative ways to get our economy moving again as well as ways to better marshal the tools and resources that are available.
One of those tools is the Missouri Linked Deposit Program, which provides low-interest loans to qualified small businesses and family farms. On November 23, I announced the largest-ever small business loan issued through the program. A small agricultural company in Marshall qualified for a $3.4 million loan, which will save the business more than $300,000 over five years compared to the cost of a regular loan. In addition, the loan will allow the company to add jobs and expand its customer base.
Thanks to changes made earlier this year to the Missouri Linked Deposit Program through my Invest in Missouri legislation, I am able to issue these kinds of loans to more small businesses with less turnaround time, allowing them to receive much-needed capital quickly.
Again, this costs Missouri taxpayers nothing. The Missouri Linked Deposit Program allows us to invest right here in Missouri to help small businesses that need it the most and who are playing a pivotal role in our economic recovery.
We have about $200 million in loans already out to small business throughout Missouri and we still have another $520 million available. To find out more about the Missouri Linked Deposit Program, click here.
Regards,
Clint Zweifel
Missouri State Treasurer
Thursday, December 17, 2009
Buying a home in Missouri in 2010 has incentives
A proposal before the
Buying a home in
The property tax break is supported by Gov. Jay Nixon and State Treasurer Clint Zweifel, the MHDC chairperson. This $15 million proposal would be funded from the Commission’s reserve fund. An estimated 9,000-11,000 households could benefit. Show your environmentally friendly side and the commission will provide an extra $500 if the house is energy-efficient or if the buyer can begin energy efficient steps within 60 days of closing. This perk includes improvements like insulation, energy star rated appliances, efficient water heaters and windows.
Income limits do apply, ranging from $58,300 to $98,560.
The big day is Friday, December 18, when commission members vote on the proposal. Because of all these incentives, those thinking about buying a home next year need to set up a planning schedule and begin sprucing up your house for sale. The first step is to analyze your finances, work on getting as big a down payment as possible, and check that credit score. There may be reports on your score that are wrong or fraudulent, reducing your score and the size of loan. By checking now you’ll avoid problems when you are ready to buy.
And, investigate the MHDC to see if you qualify for more assistance. The Commission administers any number of housing programs, from purchasing a home with a
Written by Myra Vandersall
Thursday, December 10, 2009
Holiday Light Display
St. Charles County is one of the most lighted up communities during the holidays. Add the traditional lights in St. Louis, and families can see stars every evening. Here are a few to enjoy.
O’Fallon
Celebration of Lights, Fort Zumwalt Park
Through December 30 (closed December 24 and 25)
This drive-through holiday light display held at Fort Zumwalt Park. Each scene is designed and funded by local organizations, churches and businesses. Started in 1991, the event attracts more than 8,000 vehicles each year and more than 5,000 individuals on walk-through night.
Sunday, Tuesday - Thursday 6:30 - 9:00 p.m.
Friday and Saturday 6:30 - 10:00 p.m.
$9/ vehicle - $15/large (15 passenger) van - $1 per person/ bus ($25 min.)
Tuesdays - $7 for cars, vans and non-commercial vehicles
$1 off any regular admission with canned food or toy donation (not valid on Tuesdays)
Closed to vehicle traffic on Mondays for train rides by advance reservation only To make a train reservation, call 636-379-5502.
Carriage rides are available too with advanced reservations. Call Carousel Farms and Carriage Company at 636-390-4403.
Sleigh rides are another way of seeing the lights. Reservations are a must. Call 636-379-5502.
After enjoying the Celebration of Lights, save your program! Presenting your program at participating O'Fallon businesses qualifies you for great discounts. For detailed information, go the Celebration of Lights website.
Wentzville
Holiday Night Lights
Rotary Park, Foristell
Through December 27
6:00 to 10:00 p.m.
Price: $8 per car or $1 per person per bus or van over 7 people
The City of Wentzville Parks & Recreation Department will present the 13th Annual Holiday Night Lights at Rotary Park. This one-mile drive-through display features more that 36 themed lighted displays and 500,000 lights. For detailed information go to the City of Wentzville’s website or call 636-332-9236.
Alton
Christmas Wonderland
Rock Spring Park on College Avenue, off Washington Avenue
Through December 27
Monday-Friday, 6-9 p.m.
Saturday-Sunday, 5-9 p.m.
Price-$7 for cars and small vans
$1 per person for 10+ passenger vehicles
Hear the sleigh bells jingle and see three million lights twinkle amongst a beautiful backdrop at Rock Spring Park's Christmas Wonderland. Visitors can turn off their headlights and let the holiday displays carry them through the magical scene. Or, make the night even more memorable with a horse drawn carriage ride through the park. Carriage rides are first-come, first-served on Saturdays and Sundays. Other evenings may be possible upon request. For carriage ride reservations, call Greatting Horse Farm at 618-458-6986.
For more information about the event, call 866-465-7890 or go to visitalton.com.
St. Louis County
Winter Wonderland
Tilles Park
9551 Litzsinger Road, St. Louis Price-$9.00 Family vehicle; $10.00 Limousine; $30.00 Commercial transport van; $75.00 tour bus
Through January 3 (Closed Christmas Eve and New Year’s Eve)
5:30-9:30 p.m.
Saturdays are closed to vehicular traffic and reserved for carriage rides.
St. Louis County Parks is celebrating our 24th year of Winter Wonderland! Winter Wonderland is created and designed by St. Louis County Parks employees. We hope you enjoy your drive through Winter Wonderland.
Horse drawn carriage rides are available every night except Christmas Eve and New Year’s Eve. Advanced reservations are required for all carriage rides and ticket prices vary depending on type of carriage and number in party.
Purchase tickets online at MetroTix.
St. Louis
Wild Lights: St. Louis Zoo in Forest Park
December 11-13, 18-23, 26-30 5:30 to 8:30 p.m.
Price-$4 for Zoo Friends members (no passes)
$5 for general public
Free for children under two
Stroll through the Saint Louis Zoo's enchanting holiday wonderland and enjoy hundreds of thousands of colorful lights, animated light displays and seasonal sounds, including penguins in paradise, flamingo lagoon and butterfly garden, shooting stars and a gingerbread village. For more information, go to stlzoo.org or call 314-781-0900.
St. Louis City
Anheuser-Busch Brewery Christmas Lights Display
Through January 2
Location: Anheuser-Busch Brewery
After sunset
Free The display features over 800,000 lights that adorn a magnificent tree, the Bevo Plant, Pestalozzi Street and surrounding landscape of the nation's largest brewery. Light-tour lovers can drive or stroll on Broadway, Lynch, Arsenal, and 12th to admire the spectacular sparkle of the Christmas spirit.
For more information call: 314-577-2000
Do you know of a Light Display in the area? Please share in our comment box!
Tuesday, December 8, 2009
Stop Missouri Double Taxation on real estate and say Yes to a new constitutional amendment and log on to YesToSaveHomes.com.
Missouri is one of 13 states that does not levy a transfer tax on home sales, and a coalition of property owners, businesses and the Missouri Association of REALTORS™ want to keep it that way.
The group sees transfer taxes as double taxation because Missourians already pay property taxes on real estate. A petition drive and a website have been created to help homeowners and potential buyers reach lawmakers who have the power to levy such a tax.
To place a state constitutional amendment on the November 2010 ballot to prohibit Missouri lawmakers from passing the tax initiative, the group needs more than 157,000 valid signatures. To make voters more aware of this issue, a new website, www.YesToSaveHomes.com is now online to help consumers learn more about the tax, calculate the tax based on the home’s sale price, and get involved.
Here’s the simple and straightforward proposal: “Shall the Missouri Constitution be amended to prevent the state, counties and other political subdivisions from imposing any new tax, including a sales tax, on the sale or transfer of homes or any other real estate?”
As an example, here’s a calculation on a St. Charles County home sale. The home sold for $150,000 and at the St. Charles County taxation rate of 7.0750%, the amount would be an additional $10,612.50.* Jane Mendenhall, president-elect of the Missouri Association of Realtors, believes the transfer tax places undue stress on low-income Missourians who typically spend a larger percentage of income on their home.
Add the mix of Missourians who have lost their jobs, had pay cuts and have been forced to sell their homes or experienced a drop in property values, and the transfer tax just isn’t good for the recovering Missouri economy.
Legislators are looking around to fine new sources of revenue. The transfer tax is one of those sources politicians are eyeing. With the help of voters and homebuyers, the transfer tax will not be an additional burden on Missouri residents.
* This number is based on area percentages.
Written by Myra Vandersall