A Gift for You on Thanksgiving

What are you thankful for on this Thanksgiving day?  I am thankful for the abundance of blessings in my life - my family and friends, warm shelter, food to eat, good books (and blogs) to read, and the opportunity to be creative from time to time. 

Unfortunately, this Thanksgiving will likely be difficult for many families affected by our nation's recession and its outcomes in their lives - under and unemployment, financial issues related to not having enough money ranging from hunger and homelessness to not being able to celebrate the holidays in the manner to which they are accustomed. 

My gift this Thanksgiving is to share a bit of financial creativity with folks looking for ways to celebrate the holidays without adding financial stress to their lives.  

• First, go to www.bing.com and register for a Bing Cashback account.  Here's how it works...Once registered, if you shop online from this site, you will get cash back ranging from 2 up to about 20% on purchases made from stores identified directly into your paypal account. 
• Next, if you want to spend even less, go to www.couponcabin.com and search for your store and product to find coupon codes that can add to your savings.  These codes can be used to save on a specific product, any purchase from a specific store or for a discount on shipping. 

I hope this information is helpful during this holiday season!

Until next time...

Kathy

More on Disaster Preparedness: A Household First Aid Kit

        Whether preparing for a natural disaster or for a child’s “ow-ee” a first aid kit is essential to have around. The Red Cross suggests the following to be included in any first aid kit for a household of 4:
  • 2 absorbent compress dressings (5 x 9 inches)
  • 25 adhesive bandages (assorted sizes)
  • 1 adhesive cloth tape (10 yards x 1 inch)
  • 5 antibiotic ointment packets (approximately 1 gram)
  • 5 antiseptic wipe packets
  • 2 packets of aspirin (81 mg each)
  • 1 blanket (space blanket)
  • 1 breathing barrier (with one-way valve)
  • 1 instant cold compress
  • 2 pair of nonlatex gloves (size: large)
  • 2 hydrocortisone ointment packets (approximately 1 gram each)
  • Scissors
  • 1 roller bandage (3 inches wide)
  • 1 roller bandage (4 inches wide)
  • 5 sterile gauze pads (3 x 3 inches)
  • 5 sterile gauze pads (4 x 4 inches)
  • Oral thermometer (non-mercury/nonglass)
  • 2 triangular bandages
  • Tweezers
  • First aid instruction booklet
Of course, it should also include any medications that one’s healthcare provider suggests. In addition, it is a good idea to include emergency phone numbers.

        An alternative to putting a first aid kit together is to purchase one. You can find first aid kits at most pharmacies, “one-stop-shopping” stores or on-line.

Until next time!

Kathy

PS. For more information about first aid kits, go to the Red Cross Website.

How to Prepare for a Natural Disaster

        For the last few weeks, people in King County have been enundated with news of possible ‎flooding in and around the cities of Auburn, Kent, Tukwila, Renton and in South Seattle this ‎winter. ‎

        The culprit is the Howard Hanson Dam, which was damaged last winter following heavy rains and ‎is in the process of being repaired. The Green River, downstream from the dam, is at risk for ‎massive flooding if the dam collapses completely, or if the Army Corps of Engineers has to ‎release large amounts of water quickly to prevent its collapse.‎

        How does a person prepare for something like this? As it turns out, there are steps a person can take to prepare for and ‎manage during a flood. 

Preparing For a Flood:
• Decide how your household will communicate in the event of a disaster.‎
• Make sure that all in your household have access to information from the Emergency ‎Alert System. Find out if there is a local disaster warning signal and, if so, what that is.‎
• Contact your City or County to find out about their emergency action plan.‎
• If you have children, find out about the school’s emergency action plan.‎
• Decide on a meeting place outside your neighborhood and make sure everyone has the ‎address and phone number.‎
• In case there is a need for evacuation, talk about the best two escape routes out of your ‎home, neighborhood, from your children’s school, day care center, your workplace or ‎anywhere family members spend time.‎
• Identify an out-of-State contact, and make sure everyone in your household has that ‎person’s name, address, phone number, and email address. ‎
• Build or buy a disaster kit.‎  The Red Cross website is a great resource to help determine what you will want in your kit.
• Think about CPR and First Aid training if you don’t already know both.‎
• If you don’t know your neighbors, introduce yourself and your household to them.
‎• Get flood insurance if you don’t have it already. If you are renting, get tenant’s insurance ‎for your belongings.‎
• Gather disaster supplies.‎


Managing During a Flood:‎

        The notification will come from the NOAA Weather Service. It will use the terms ‎advisory, watch or warning. An "advisory" means that there may be a flood in 2-7 days. ‎The term "watch" means there may be flooding possible in 12-48 hours. The term "warning" ‎means that a flood is occurring or will occur within 12 hours.


        If the notification includes ‎an advisory to evacuate, do so immediately.  The following tips are from FEMA...
• If you need to evacuate, secure your home. ‎
        -If you have time, bring in outdoor furniture. ‎
        -Move essential items to an upper floor. ‎
• Turn off utilities at the main switches or valves if instructed to do so. Disconnect ‎electrical appliances. Do not touch electrical equipment if you are wet or standing in ‎water. ‎


• Once outside, do not walk through moving water. Six inches of moving water can make you fall. If you ‎have to walk in water, walk where the water is not moving. Use a stick to check the ‎firmness of the ground in front of you. ‎
• Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and ‎move to higher ground if you can do so safely. You and the vehicle can be quickly swept ‎away. ‎


Once you get to higher ground, be sure to follow your evacuation plan.  Please let me know if this information is helpful, or if there is any additional information that might help others.


Until next time...
                                                     Kathy

Energy Audits & Savings For Homeowners

        Last winter, the Pacific Northwest was covered in snow, which is really unusual for this region.  The snow was at its peak right during the winter holiday season, making for a beautiful, white Christmas.  Lots of people were unable to drive and the local bus system was almost inoperable for a time...So, many families got to spend real quality time together.  That's the good news...

        The bad news is that many households were left in the cold, either due to electrical outages, or because the heat generated by furnaces and wood stoves was lost through inadequate insulation.

        What can you do to prepare for the winter cold this year?   You might consider an energy audit of your home.  If you live in a new home, there is probably an Energy Audit report that is included in your purchase documents. If you live in an existing home, you can do an audit yourself or hire a professional to do it for you.

        If you want to hire a professional and live in Seattle, you can apply to be one of 5,000 households who will receive a professional energy audit, valued at approximately $600.00, for $95.00. They began in August and are scheduled to continue until all 5,000 are completed. Details about this program can be found at the Seattle City Light website.

If you prefer to do the audit yourself, there are a few major focus areas to evaluate:

1. Air Leaks,
2. Insulation,
3. Heating & Cooling Equipment, and
4. Lighting.  The US Department of Energy has a basic checklist for a Do-It-Yourself Home Energy Audit that's pretty comprehensive. 

        Acting on your audit results can result in lower utility expenses immediately.  Also, federal tax credits are available for certain home improvements.  For more information about the specifics of new tax credits, a helpful link is the Federal Tax Credit page of U.S. Dept. of Energy website.

What a great idea! Just a few activities can help folks save money right away, stay warm this winter, AND receive a tax credit next spring.

Until next time!
                                          Kathy

No Time? Limited Funds? You CAN Save on Electricity

We’ve all read those articles about saving on your energy bill…You just need to buy a BRAND NEW washer, dryer AND dishwasher. OR, you need to go around your house each night and turn off all the phantom electricity. Phantom electricity culprits include anything that stays on when you turn it off but leave it plugged in. Examples are things like microwave ovens, coffee makers, the cable box and the computer. What those articles generally don’t address is how inconvenient it is to turn them all on again. It’s not hard to hit the “on” button, but isn’t so easy when you have to re-set the clock to get the coffee maker to work and boot up the computer to get to the emails you need to know about before you walk into your job – all when you have about 30 seconds before having to leave the house for work in the morning.

Well, there really is a better way to get started saving on electricity…Change from old fashioned light bulbs to the new CFL or LCD light bulbs. You’ll be amazed at the difference in your electricity bill just a month after you install the new bulbs. The retail cost of the new light bulbs is less now than it ever has been.

I hope you find this information helpful!  How do you save money on electricity at your home?


                                        Kathy

PS.  There’s even a way to get CFL light bulbs FREE! Puget Sound Energy is giving them away at their “Rock the Bulb Tour”. All you have to do is show up with 10 of your old light bulbs – they are offering to give you 10 new CFLs for free. Rock The Bulb is going to be in Kent on October 3rd-4th and in Auburn on October 10th-11th.  For more information about this giveaway and other ways to save on electricity, go to http://www.rockthebulb.com//.

Is Affordable Housing Really Affordable? How to Begin Taking Control of the Cost...

Just what is affordable housing in the Puget Sound area?  According to the Social Justice Committee of King County, housing is considered affordable when it costs 30% of income.  The average rent, plus utilities, for a 2 bedroom apartment in King County is currently $996.  So, a household would have to bring home $19.17 per hour for 40 hours each week to afford  "affordable housing".  As a result, almost 40% of households in King County pay more than 30% of their income for housing. 

How can people decrease the cost of their housing?  Cutting energy costs is one way to see immediate, tangible savings.  One area that will yield great benefits with minor changes is hot water consumption.  Your water heater can account for up to 13% of your total energy cost.  Making just a few easy changes can help decrease energy costs significantly...

1. Use Less Water In the Shower - If you live in King County, call Puget Sound Energy and ask them to send you a free low-flow showerhead.  To make the request in Seattle, call Seattle Public Utilities.
2. Use Cold Water in the Washing Machine - 90% of energy use in the washing machine is used for heating water.
3. Turn the Water Heater down or off - Most households keep the water heater thermostat set at 140º.  If you turn it down to 120º, you'll save between 3-5% on energy.  If you are going on vacation, turn the water heater off while you are away.
4. Insulate the Water Heater - Adding insulation is inexpensive and can reduce heat loss enough to save you between 4-9% in water heating costs.  Newer water heaters come with insulation and don't need this added padding.  But, if your water heater has an R-Value of less than 24, additional insulation will help decrease your cost.

I hope this is helpful!
                                 Kathy

PS.  For more information about energy savings related to the hot water heater, there is a great article called "7 Ways to Lower Water Heater Costs" on wisebread.com.

Welcome!

My Husband and I began providing housing for people in and around the Seattle area almost 13 years ago - three months before the birth of our almost adolescent son. As we prepared for this new endeavor, we said things like...It'll be a piece of cake...How hard can it be?...It shouldn't take much time at all...


We quickly learned that our sense of well-being was directly connected to the prosperity of the folks we were serving. Over the years, we celebrated as folks moved out of our property after purchasing their first home - and we fretted over others who had to leave because of a lifestyle that we knew would become dangerous if continued.


Now, almost 13 years later, we see the effects of this nation's economic crisis on the faces of the people that are our customers. So, we've decided to do what we can to help by sharing information with folks that live in the region through this blog...


It'll be a piece of cake...How hard can it be?...It shouldn't take much time at all...

I'll keep you posted.

                                                                     Kathy