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Recycle that Cell Phone

The next time you’re ready to upgrade your cell phone, recycle the old one! If all the estimated 100 million dead cell phones were recycled, the U.S. could save enough energy to power more than 194,000 U.S. households with electricity for one year, according to the U.S. Environmental Protection Agency (EPA). Unfortunately, less than 20 percent of unwanted cell phones are recycled each year.

Recycling can help the environment by keeping usable and valuable materials out of landfills and incinerators. Cell phones are made of precious metals, copper and plastics, which require energy to mine and manufacture. Recycling these materials not only conserves resources, but reduces air and water pollution and greenhouse gas emissions. Earlier this year, the EPA teamed up with cell phone retailers, manufacturers and service providers to develop collection programs. Some charitable groups and state or municipal solid waste programs also offer cell phone recycling.

Saving Energy to Stay Cool

Energy bills—like the temperature—always rise in the summer. But don’t fret: while there are big fixes you can incorporate to make your home more energy-efficient, there are also many inexpensive energy solutions, as well as some simple and free steps that you can take to cut down on costs and save money. *

Turn it up. Set your thermostat as high as possible. Start with 78 degrees when at home and 85 degrees when away. For each degree above 72 you set the thermostat, you save between 1-3 percent. Be sure to take into consideration your health and comfort and drink plenty of fluids to stay hydrated.

Open nights. At night, if it’s cooler outside than in, open your windows! Not only will this bring some fresh air into your home, it will give you a chance to turn off the AC. Also, be sure to close your windows in the morning to keep the cooler air in longer.

Circulate air. Use fans to create cool breezes and keep the air moving in your home. Ceiling fans, in particular, can create enough air movement to make it cooler by at least four degrees. This could translate into a significantly lower monthly electric bill, as ceiling fans only use about as much energy as a 100-watt light bulb.

Unplug. Electronics—such as TVs, DVDs, chargers, computers, printers and other devices—use electricity even when they are turned off. By unplugging these devices when you’re not using them, you only save a few watts, but they quickly add up to bigger savings over time. Use a power strip for multiple devices, and switch it off before you go to bed. Also, turn off lights in unoccupied rooms.

Shut the shades. Windows allow a lot of heat into your home. Keep drapes and shades closed during the day to keep the temperature down.

Plan pool time. If you have a pool, shorten the operating time if possible. Switch the pool filter and sweeper operations to off-peak hours and during nighttime if the pool has automatic cleaning settings.

Wash and dry wisely. Run only full loads when using your dishwasher or washing machine. Whenever possible, run those appliances during off-peak hours or when your air conditioner is turned off or barely running, which typically is during the evening, to save energy. Use the clothes dryers’ moisture-sensing automatic drying setting if it has one, and clean your clothes dryers’ lint trap after each use.

*As always, be sure to consult with the homeowners association to get approval for any major renovations on your home.

Smooth Move: Tips for a Less Stressful Relocation

Whether your new home is just down the street, in a nearby town or across the country, moving can be stressful. There’s a lot of work to be done before that final box is unpacked, and it’s easy to overlook everything that needs to be done before your departure.

First, we’d hate to see you go if you’re leaving the HOA community, but we hope you enjoyed your home here. Before you head out, here are some important tips to help make this huge transition smoother:

Shipping Notes: If you’re shipping items, keep the shipment registration number with you. You may need this number when calling your mover and when tracking your shipments.

Bed Ready: Consider placing your sheets, blankets and towels in an easy-to-access place like a dresser drawer so you don’t have to go searching for them your first night in your new home.

Freshen the Fridge: If you’re bringing your refrigerator, thoroughly clean and dry the inside before passing it on to the movers. Be sure to put a handful of fresh coffee, baking soda or charcoal in a sock inside to keep it smelling fresh.

Pack Wisely: Don’t make the job harder than it needs to be – heavy items go in small boxes; lighter items go in larger boxes.

Safe Memories: Keep items that are significant to you, like pictures in your car. If something is irreplaceable, you don’t want to regret potentially losing it later. To keep items like framed photos or art safe, place sheets or blankets between them.

Protect Plates: Plates should be packed on end vertically, rather than flat and stacked.

Bare Necessities: Cell phones, chargers, toilet paper, toiletries, snacks, drinks, soap, flashlights, screwdrivers, pliers, can openers, paper plates, cups, utensils, some pans, paper towels and cleaning supplies are some of the essentials you may need upon arrival. Pack a box with these items, label it clearly and load it last.

Bulb Basics: Remove light bulbs from your lamps and pack them separately.

Involve the Kids: To keep them busy, ask your children to write their names and new address on the boxes for their room. Repetition like this will help them remember their new address.

Pet Care: On moving day, ask a friend or neighbor to watch your pet at their house. This will keep your pet calm, safe and out of the way.

Plant Care: Try not to let foliage rest against car windows; the leaves could burn due to glass intensifying sun rays.

Take the time to implement these tips to properly prepare for the move—it may seem like more work upfront, but ultimately it can save you lots of stress in the long run. Good luck, and don’t forget to say goodbye!

Food Safety During a Power Outage

Power failures can be one of the most annoying—and disabling—occurrences in a community like ours. Whether caused by summer storms, power lines crippled by winter ice, equipment failure, an overloaded regional grid or an animal disrupting a power line, electrical outages can be costly, uncomfortable—and without forethought—sometimes even dangerous.

Residents can face many hazards when a power failure occurs—usually without any warning—including losing refrigerated and frozen foods. Some food items can be saved if you’re prepared.

In anticipation of a power failure:

  • Have at least one or two coolers on hand, and at least one spare 5-pound bag of ice in the freezer.
  • Know where to get bag, block or dry ice quickly when you need it, particularly if you anticipate a long-term outage. (Caution: Dry ice is made from carbon dioxide, so it requires safe handling. Never breathe in its vapors or touch it with your bare hands.) According to the Food Safety Branch of Kentucky’s Department of Health, a 50-pound block of dry ice will keep a tightly packed, 18-cubic-foot freezer cool for up to two days, which is typically enough time to get the power in our homeowners association community up and running again.
  • Have an instant food thermometer or appliance thermometer available to ensure your freezers, refrigerators and coolers are staying cool enough store food safely.
  • Arrange the refrigerator and freezer efficiently. Frozen food will last longer in a full freezer—up to 48 hours if tightly packed—and refrigerated food will last longer—up to four hours—if there is room for air to circulate around items.

When the electricity goes off:

  • Avoid opening and closing the refrigerator unless absolutely necessary.
  • Cook and use perishable food before using canned food.
  • Check the temperature of refrigerated foods if the power is out for more than a few hours. Discard any food item that has been at 40° F or warmer for two or more hours. Exceptions include butter and margarine; hard cheeses like parmesan and Romano; some condiments like mustard, peanut butter, soy sauce, olives and vinegar-based salad dressing; and fresh, uncooked fruits and vegetables.
  • Check the temperature of frozen foods as well. While tightly packed freezer foods will stay frozen for many hours, some items that may have thawed can be refrozen if they still retain ice crystals or have remained at a temperature lower than 40°. Fruit and vegetable juices; breads, rolls and pie crusts; flour, cornmeal and nuts; meat and chicken; and prepared foods and casseroles can be refrozen safely if they have not been at 40° F or warmer for more than two hours.
  • After the power comes back on, you may need to deodorize the refrigerator and freezer by washing surfaces with a solution of 2 tablespoons baking soda dissolved in a quart of warm water. Place an open box of baking soda inside the refrigerator to absorb any lingering odors.

Since the appearance and odor of a food item isn’t an accurate indication of its safety after a power outage, use the 40° rule-of-thumb. And when in doubt, discard the food.

While a power can go out any time, most power failures occur between mid-July and late September. But no matter when your community experiences an outage—and it inevitably will—knowing how to handle frozen and refrigerated foods can help keep your food supplies safe until the lights come back on.

Are HOA Rules Reasonable?

Homeowners associations have a number of rules and regulations that they ask you to observe so everyone can all maintain property values and quality of life in the community. If you believe a rule fails the “reasonable” test, let your board know at the next meeting for consideration or explanation.

  • Ÿ All rules are based on proper authority—either governing documents or state or local law.
  • Ÿ Enforcement of the rules is intended to be uniform, taking into account the consequences.
  • Ÿ Rules are not in place to punish you or limit your activities. Rather, rules are to ensure that each resident can enjoy the community free from the disruptive or harmful behavior of others.

Assessments as Important as Mortgages and Taxes

When you sit down to pay your bills each month, do you consider your association assessment a low priority? If so, think again.

According to the National Consumer Law Center’s (NCLC) Guide to Surviving Debt, “Condo fees…should be considered a high priority.” In fact, NCLC considers community association assessments in the same category as mortgage payments and real estate taxes—a category ranked second only to feeding your family—according to the Guide’s “Sixteen Rules about Which Debts to Pay First.”

Assessments pay for services like building maintenance, snow removal and cleaning that you would pay no matter where you live—either as direct out-of-pocket expenses or indirectly in a higher rent payment. The association has collective buying power, so when all services and utilities for everyone in the community are passed along to you as a monthly assessment, you’re actually getting a bargain.

So, next time you get out your checkbook, remember to put your assessment near the top of that stack of bills. You’ll be glad you did.

Keeping your Community Safe

Everyone wants a safe place to call home, and homeowners associations strive to make all residents feel secure. While the community association is diligent in their efforts to reduce possible dangers in the community, your assistance is needed. It’s up to everyone to pitch in to keep crime rates down. Thankfully, taking a few simple steps can go a long way in keeping theft, vandalism and other felonies and misdemeanors out of the HOA.

 

Know Your Neighbors. Not only the neighbors on your block, but also the neighbors from all parts of the community association. At the very least, you’ll get a better idea of who actually lives (and in turn, who belongs) here. Talking with your neighbors will also give you the chance to find out if they have noticed any crimes or suspicious activity in the community association recently, so that you can be on the lookout as well. Consider creating and distributing a list with everyone’s contact information so that you and your neighbors can alert each other of any problems that arise. Of course, be sure to get your neighbors’ permission before adding their information to the list.

Leave The Light On. A good way to deter felons from breaking into your home is to make sure your front porch light stays on all night, even when you’re out of town. Not only does it signal that someone’s home, it also makes it harder for vandals to hide among the shadows. If you’re worried that you’ll either forget to turn the light on at night or off in the morning, you can purchase an inexpensive timer that will automatically do that for you every day. Also, if you see any street lights around the community association that are burnt out, please let the HOA board know as soon as possible so that they can replaced for everyone’s safety.

Lock Up. If you want to keep unwanted guests out, don’t make your home inviting. Even when you’re around, it’s best to keep all gates, doors and garages locked at all times. It’s also a good idea to keep your windows closed and locked when possible, especially if they’re on the ground floor.

Put On Your Walking Shoes. Taking as stroll around the community association isn’t just good exercise. You can casually patrol the HOA community for anything suspicious or usual, as well as swap notes about criminal activity in the area with other neighbors who are out and about. Also, when more residents regularly walk around the community association, it can help scare off hooligans who are afraid of getting caught in the act.

Clean It Up. Picking up litter, removing graffiti and keeping trees, bushes and lawns trimmed not only makes the community association look better, but also sends the message that the residents are diligent about keeping the neighborhood a respectable place to live. This can help discourage troublemakers from hanging around the community and encourage responsible and involved people to move to the HOA.

See Something, Say Something. If you notice a crime or a suspicious activity, regardless of how small the incident may seem, notify association security and the police immediately. Of course, call 911 if it is an emergency; otherwise, contact the police on their non-emergency line.

 

Avoiding Bee Stings

For most people, a bee sting is an uncomfortable experience, but not a life-threatening event. For approximately 3 percent of adults and 0.5 percent of children, however, a sting by a bee, wasp, hornet or yellow jacket can result in a whole-body allergic reaction (anaphylaxis)—a true medical emergency.

The best way to prevent an allergic reaction is to avoid being stung. Generally, insects such as bees and wasps aren’t aggressive and only sting as a self-defense mechanism. If a few bees are flying around you, calmly and slowly walk away from the area—swatting at an insect may cause it to sting you. When a bee stings, it releases a chemical that attracts other bees, so if a bee or wasp stings you or if many insects start to fly around you, cover your mouth and nose and quickly leave the area. Try to get into a building or a closed vehicle.

The following are some additional tips so you can remain sting-free:

  • Use caution when working around bushes, shrubs, trees and trashcans.
  • Have hives and nests near your home removed by a professional.
  • Always wear shoes when walking outside, particularly on grass.
  • Wear pants, long-sleeved shirts, gloves, close-toed shoes and socks when working outdoors.
  • Avoid very loose-fitting clothing that can trap insects.
  • Avoid eating any type of sweet foods outside.
  • Don’t wear brightly colored clothing or flowery prints because it could attract insects. Avoid using perfumes or other scented products for this reason as well.
  • Cover food containers and trash cans tightly.
  • Always check food and drinks before consuming, especially open cans of soda or drinks with straws at pools and picnics.
  • Serve beverages in wide, open cups, since they easily allow you to see what’s inside.
  • Clear away garbage, fallen fruit and animal feces (flies can attract wasps).
  • Keep the windows rolled up when driving or riding in a car.

Be Prepared for Disasters

If you think hurricanes, wildfires, tornadoes and floods won’t happen to you or you don’t need to insure against these disasters, you’re among the nearly half of U.S. homeowners and renters who lack the insurance coverage to deal with potential losses, according to the National Association of Insurance Commissioners (NAIC). Having insurance against the elements is especially important in the South.

In a NAIC national survey, about 48 percent of homeowners and renters said they did not have an inventory of their possessions. Of those who reported having a checklist, 32 percent had not taken any pictures and 58 percent had no receipts validating the cost of their possessions. In addition, 44 percent of respondents acknowledged they had not stored their inventory in a separate location.

Here are some easy tips to follow from the NAIC to help you prepare for disasters:

  • Take an inventory of your valuables and belongings. This should include taking photographs or a video of each room. This documentation will provide your insurance company with proof of your belongings and help to process claims more quickly in the event of disaster.
  • To enable filing claims more quickly, keep sales receipts and canceled checks. Also note the model and serial numbers of the items in your home inventory.
  • As you acquire more valuables such as jewelry or antiques, consider purchasing an additional floater or rider to your policy to cover these special items. These types of items typically are not covered by a basic homeowner’s or renter’s insurance policy.
  • Don’t forget to include those items you rarely use such as holiday decorations in your home inventory.
  • Store copies of all your insurance policies in a safe location away from your home that is easily accessible in case of disaster. You may want to store your policies and inventory in a waterproof, fireproof box or in a safe location such as a bank safe deposit box.
  • Consider leaving a copy of your inventory with relatives, a trustworthy friend or your insurance provider and store digital pictures in your e-mail or on a website for easy retrieval.
  • Know what is and is not covered by your insurance policy. Depending where you live, you might need additional protection. Make sure your policies are up to date. Contact your insurance provider annually to review and update your insurance policy.
  • Keep a readily available list of 24-hour contact information for each of your insurance providers.
  • Find out if your possessions are insured for the actual cash value or the replacement cost. Actual cash value is the amount it would take to repair or replace your home and possessions after depreciation, while replacement cost is the amount it would take to repair or replace your home or possessions without deducting for depreciation. Speak with your insurance provider to determine whether purchasing replacement coverage is worth the cost.
  • Speak with your insurance provider to find out if your policy covers additional living expenses for a temporary residence if you are unable to live in your home due to damage from a disaster.
  • Appraise your home periodically to make sure your insurance policy reflects home improvements or renovations. Contact your insurance provider to update your policy.