Fall Home & Auto

The Press NewspapersSEPTEMBER 15, 2014 | SPECIAL SUPPLEMENT TO

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2 THE PRESS SEPTEMBER 15, 2014

Fall Home & Auto The Press

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Thermostats save money and energy Homeowners who have not yet up-graded to a programmable thermostat could be doing themselves a signifi cant disservice. Not only are programmable thermostats key to saving energy, they also save money. The Alliance for Environmen-tal Sustainability note that for every degree they adjust their thermostats, homeowners save between 1 and 3 per-cent on their heating and cooling bills. Setting the thermostat slightly warmer in the summer and a notch or two cool-er in the winter can save a consider-able amount of energy and money. The United States Department of Energy says homeowners who make slight sea-sonal adjustments to their thermostats can save as much as 10 percent a year on heating and cooling costs. But such adjustments are only truly effective when homeowners com-mit to them on a daily basis. The best way to stay on top of temperature set-tings is to purchase a programmable thermostat, which allow homeowners to predetermine when heat or air con-ditioning will turn on and off. Many programmable thermostats can store multiple daily settings, allowing home-owners to further customize their heat-ing and cooling schedules. According to Energy.gov, a com-mon misconception associated with thermostats is that a furnace or an air conditioning system works harder than normal to get the space back to a comfortable temperature after the thermostat has been set back, and that this hard work means the overall sav-ings are negligible. However, when a home’s interior temperature is similar to the temperature outside, the home will lose energy to the surrounding environment more slowly. The lower the interior temperature, the slower the heat loss in cold weather, and a higher interior temperature will slow the fl ow of heat into your house in hot weather. Programmable thermostats are available in a variety of models. Some are easier to program than others. Cer-tain thermostats can be linked to a home’s wireless system so that adjust-ments to the thermostat can even be made when you are not at home. The location of the thermostat also is important. The thermostat should be placed where it can get the most accu-rate reading of the house. It should be on an interior wall away from direct sunlight, doorways, drafts, and win-dows. It should not be directly facing an air vent. Avoid placing furniture above or below the thermostat, as such furnishings can impede proper air fl ow. If you feel like your HVAC system is cycling on and off even after pro-gramming, you may need to call a tech-nician, who can determine if there are any obstructions to the thermostat or if the unit is the appropriate size for your home.

Many things in a kitchen contribute to giving this popular room its personal-ity. Appliances and choice of cabinets go a long way toward crafting that look, but per-haps nothing defi nes a kitchen more than a homeowner’s choice of countertops. Countertops are where the action takes place in a kitchen. It’s where meals are pre-pared and where hungry houseguests or curious kids watch the family chef whip up the night’s meal. The options with re-gard to countertop surfaces are numerous, and the following are just a few of the more popular options homeowners planning to replace their existing surfaces might want to consider.

Laminate Laminate countertops are popular and affordable. Made of sheeting glued to ply-wood or particleboard substrate, laminate countertops are water-resistant but not very heat-resistant, so homeowners will want to place any hot pans, pots or baking sheets on trivets to maintain the laminate. Many homeowners prefer laminate countertops because they are available in so many col-ors, meaning they can match any home-owner’s preferences, no matter how color-ful those preferences are. Cutting on lami-nate countertops is not recommended, but such surfaces are easy to clean and main-tain.

Quartz Quartz is among the most durable countertop surfaces available, as it is re-sistant to bacteria, heat, stains, and water. Though quartz is not available in as many shades as laminate, it is similarly easy to clean. Also like laminate countertops, quartz surfaces tend to have easily visible seams, which may irk homeowners who fi nd such minor imperfections an eyesore. Quartz countertops can be expensive depending on the amount of surface area a kitchen has, so budget-conscious home-owners with especially large kitchens may fi nd quartz countertops bust their budgets.

Granite The natural beauty of granite is what draws many homeowners to install this popular surface material in their kitchens. Thanks to their unique shading and tone, granite countertops are never the same from one home to the next, and granite complements many different cabinet col-ors. Granite also is resistant to heat, scar-ring and, when sealed properly, stains. Granite is naturally porous, so if it is not sealed properly, it can harbor bacteria. Some granite countertops must be sealed annually, while some pretreated counter-tops can go as long as 15 years without a need for resealing. Unlike other countertop surface materials, granite, which is among the most expensive countertop materials, does not come in a vast array of colors, so homeowners should expect to choose from

Count your options for countertops

just 20 or so color options.

Recycled glass Homeowners who want to give their kitchens a modern and eco-friendly feel may want to consider recycled glass coun-tertops. Recycled glass countertops, the majority of which are now produced with 80 to 90 percent post-consumer glass, are made of pieces of glass that are held to-gether with cement binders. Some might be concerned that countertops made of recycled glass are not very strong, but the cement binders are very hard, making the countertops durable, strong and unlikely to chip or crack. Recycled glass countertops come in various colors and are resistant to both heat and stains. Installation of re-cycled glass countertops can be tricky, as improper installation can lead to stress points that make the glass susceptible to cracking. As a result, the installation of recycled glass countertops is best left to profession-

Nothing defi nes a kitchen more than a homeowner’s choice of countertops.

als with experience on such projects. Re-cycled glass countertops can be quite ex-pensive as well. A homeowner’s choice of countertop surface material can go a long way toward defi ning the personality of his or her kitch-en, so homeowners should consider their options before making a fi nal decision.

Many homeowners

prefer laminate countertops

because they are available in so many colors.

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THE PRESS SEPTEMBER 15, 2014 3

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Winterize to safeguard your home from harsh weatherAutumn is a beautiful time of year

marked by welcoming cooler temperatures and the natural beauty of leaves changing colors. Autumn also has a tendency to fly by, as if the powerful weather of winter simply cannot wait to make its presence felt.

With such a seemingly short time between the end of summer and the dawn of winter, homeowners know they don’t have too many weekends in between to prepare their homes for the potentially harsh months ahead. But such prepara-tion, often referred to as “winterizing,” can make a home more comfortable when the mercury dips below freezing, while saving homeowners substantial amounts of money along the way.* Clean the gutters. Leaves falling in fall can be a beautiful sight to behold, but many of those leaves are likely finding their way into your gutters, where they can lodge and cause a host of problems down the road. If the leaves and additional debris, such as twigs and dirt, that pile up in your gutters are not cleared out before the first winter storm, the results can be costly and even catastrophic.

Winter rain and snowfall needs a place to go upon hitting your roof, and gutters facilitate the travel of such precipitation from your roof into street-level drainage systems. If gutters are backed up with leaves and other debris, then ice dams may form, forcing water to seep in through the roof. That damage can be costly and can even cause the roof to collapse inward in areas with heavy snowfall. Clean gutters throughout the fall, especially if your prop-erty has many trees, and be sure to check gutters one last time before the arrival of winter.* Tend to your attic. Homeowners who have attics in their homes might want to add some extra insulation up there, espe-cially those who recall feeling cold inside their homes last winter, which is often a telltale sign of improper insulation in a home. A good rule of thumb when deter-mining if your attic needs more insulation

Cleaning gutters in the fall can prevent roof damage resulting from winter rains and snowfall.

is to look for the ceiling joists. If you can see the joists, then you need more insulation.* Address leaky windows and doors. Sometimes attic insulation is not the culprit when it comes to a cold home. Oftentimes, leaky windows and doors are the real bad guys in a drafty home. Fall is a great time to inspect for leaky windows and doors, as the wind outside can serve as your partner. When the wind outside is blow-ing, take a tour of your home’s windows

and doorways, standing next to them to determine if there any holes or leaks that are letting outdoor air inside. If you notice any leaks beneath exterior doors, install some door sweeps to keep outdoor air where it belongs. Leaks around windows can be snuffed out with caulk or weather stripping.* Test the furnace. Homeowners typically do not devote much thought to their fur-naces in spring, summer and fall. But with

winter on the horizon, fall is the time to test the furnace to make sure it’s ready for the months ahead. Expect a somewhat foul yet brief odor to appear when starting the furnace. That odor should dissipate shortly, but if it does not go away, then your furnace is likely in need of repair. But even if the smell does not stick around, you might want to have the furnace cleaned by a pro-fessional anyway. Such cleanings ensure the furnace works efficiently throughout the winter.* Clean the garage. You might not mind parking in the driveway during the warmer months of the year, but why subject your vehicles to harsh winter weather if you don’t have to? Clean the garage in the fall so you have an indoor parking spot through-out the winter season. Protecting your car from the elements can add years to its life and also saves you the trouble of digging your car out of the snow.

Fall is a time of year for homeowners to spend a weekend or two preparing their homes for the often harsh weather that awaits when winter arrives.

Make mounting easy Many home improvement projects

involve hanging decorative items, such as photo frames or shelving. Homeowners frequently wrestle with nails, screws and hanging hardware, perhaps creating more holes in their walls than is necessary to get items level and in the right spots. Instead of playing a guessing game of figuring out where the hanging holes or hooks are located on the back of items, use your office equipment to make life easier. Make a copy of the back of the item you’re trying to hang with a printer/scanner or a copy machine, making sure to copy the item to full scale. Print the copy at full size and use it to drill the hanging holes. If you don’t have access to a copy machine or scanner, use a piece of tape to measure the distance between the hanging holes on the back of the frame. Stick the tape to the wall and then put your nails or screws at the ends of the tape.

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Tree pruning in winter weather Many homeowners may not know that pruning trees in the winter can benefi t some trees. Deciduous trees are dormant in winter, so they won’t bleed sap when pruned at this time of year like they will at other times of year. In addition, many varieties of trees are less likely to attract disease or insects if pruned in the winter. Oak trees, for example, emit a strong odor when pruned, and that odor can attract a type of beetle that causes oak wilt. But this type of beetle hibernates in the winter, making this the ideal season to prune oak trees. Before pruning trees, regardless of the time of year, homeowners should learn the types of trees on their prop-erty and when the ideal pruning sea-son is for each type of tree. Pruning also may depend on climate, so speak with a local gardening or landscaping professional to determine when is the best time to prune the trees on your property. Once the time has come to prune, keep the following tips in mind to maintain healthy and aesthetically ap-pealing trees.* Remove limbs that appear to be com-peting for space. Tree limbs that are crossing, rubbing or growing parallel to one another can be pruned. Such limbs may prohibit the growth of near-by limbs.* Remove limbs that are growing in. Some tree limbs may appear to be growing toward the interior of the tree, and these limbs can be pruned.* Remove limbs growing toward the ground. A healthy tree’s limbs will grow outward, not toward the ground.* Remove dead limbs. Dead limbs sim-ply take up space, and a dead limb is not going to grow back come the spring. Dead, broken or diseased limbs should be removed when pruning.

The allure of a spa-style bathroom is something few homeowners can resist. Such bathrooms can make for a welcome retreat after a long day at the offi ce or an afternoon spent chasing kids around the yard. But as appealing as such a sanctuary may seem, the cost of creating a luxury washroom is more than many homeown-ers’ budgets can withstand. Fortunately, a dream bathroom does not have to break the bank. In fact, there are several ways to make a bathroom worthy of the most com-forting spa without stretching your budget.* Install a wall-hung mirror. If your idea of a luxury bathroom harkens back to a time before the advent of recessed medicine cabinets, then a wall-hung mirror can give the bathroom an entirely new feel without much of a fi nancial commitment. Flush-mount mirrors need not require the ser-vices of a contractor, but they can provide a sense of elegance that recessed cabinets cannot.* Replace bathroom countertops. A coun-tertop replacement job may sound expen-sive, but such an undertaking is not very costly in the washroom, where counter space is typically limited. Since the cost of countertop materials is by the square foot, you can replace bathroom surfaces for a relatively small amount of money. Granite countertops can be beautiful, but such sur-faces do not create the warm feel that many prefer in a luxury bathroom. A material such as soapstone is warm and inexpensive and can quickly give the bathroom a new look.* Embrace calm colors. Painting the bath-room is another inexpensive way to give the room an entirely new look. If the walls of your washroom are currently a vibrant color, consider a more calming tone to give the room the luxurious and relaxing feel you’re aiming for. If your bathroom in-cludes a clawfoot tub, you also can make it a two-tone tub to add a touch of relaxing el-

Tips for a budget-friendlybathroom remodel

egance. Paint the tub’s exterior in a calming tone such as soft gray, and you will have transformed the washroom at little cost and even less effort.* Transform your double vanity. Many homeowners prefer a double vanity in their bathrooms, as such a setup allows both men and women the space to get ready for bed or work without getting in one anoth-er’s way. But instead of a traditional vanity with a counter between the sinks, consider installing matching pedestal sinks to sur-round an antique washstand. This can give the washroom a feel of antique luxury, and such washstands can found for a few hun-dred dollars.* Replace old fi xtures. Though they are of-

Homeowners need not bust their budgets to transform their washrooms into modern, luxurious oases.

ten overlooked, cabinet and door fi xtures as well as towel racks can greatly infl uence the feel of a washroom. If the cabinet and drawer handles are old or outdated, replace them with more modern options. Such a job might be even more effective if you re-paint or reface existing cabinetry. Neither task is terribly expensive, but both can give the washroom a more luxurious feel. The same goes for replacing old towel racks, which can be an eyesore if they’re espe-cially dated. Transforming a bathroom may seem like a signifi cant and costly undertaking, but savvy homeowners can give their wash-rooms a new and luxurious look without spending much money.



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Home improvement projects range from small scale undertakings that can be tackled in a single weekend to large remod-els that can take several months to com-plete. While no two projects are the same, every home improvement project demands that homeowners dip into their pockets and spend some money. Much like the scale of projects varies greatly, so, too, do the fi nancial commit-ments required of homeowners to make those projects a reality. But no matter the size of the project, homeowners can fi nd ways to stretch their budgets without sac-rifi cing the quality of their improvements.* Do your homework. Before you decide to make changes to your home, it’s best to fi rst do some research into any potential proj-ects you’re considering. Many homeowners have decided to dive into a project before they fully realize its scope and cost, and go-ing in blind can bust a budget, turning what might have seemed like a relatively simple project into a money pit. Understanding just what a project en-tails and how much it’s likely to cost can give homeowners an idea of what they can afford and where they might be able to stretch their budgets. For example, if you want to replace your kitchen countertops but can’t afford engineered quartz counter-tops, you might be able to fi nd a less expen-sive alternative, such as tile, that you like just as much. But it’s best to research such alternatives before you decide to replace your existing countertops. If you can’t fi nd a less expensive alternative, you might want to postpone the project until you can grow your budget. But starting the project without fi rst grasping its true cost is a reci-pe for disaster, so do your homework before you fi nd your toolbox and start working.* Build unforeseen expenses into your bud-get. Another way to stay within your bud-get is to include budget-busting unforeseen expenses into the budget from the get-go. Whether you’re doing the project yourself or paying a contractor, nearly every home improvement project will present some un-foreseen, and costly, hurdles. For example, you might fi nd mold inside the walls when

How to stay within your home improvement budget

you’re converting a basement, and it can cost a pretty penny to make that mold go away. If you go into the project expecting such hurdles, then the fi nancial sting of ad-dressing them won’t prove too great a bur-den. But if the mold catches you and your budget completely off guard, you might be forced to overextend that budget or make sacrifi ces elsewhere in order to complete

the project. Build some contingency mon-ey, including permit and permit fees, into your home improvement project to safe-guard against such unforeseen issues.* Get to work. If you’re hiring a contractor, speak to him or her before signing a con-tract to see if there is anywhere you can pitch in to keep the labor costs low. You might be able to pitch in during the demo-

lition phase, saving the cost of paying your contractor’s workers to tear down walls or remove debris you can just as easily re-move yourself. Another way to pitch in is to do the end-of-day cleanup yourself. Any role you play with regard to labor will like-ly need to be negotiated upfront, but you can save yourself a substantial amount of money on labor if you’re willing to get your hands dirty.* Determine if piecemeal is the most af-fordable option. Sometimes it makes sense to tackle one project at a time, while other times you might want to combine proj-ects to save on the cost of materials. For instance, if your ultimate goal is to install wood fl ooring throughout your home, de-termine if it makes more fi nancial sense to install the fl ooring all at once rather than doing one or two rooms at a time. You might save by buying all of your materials at once rather than buying a small amount of materials several times over the next sev-eral years. Home improvement projects often go a long way toward making a home more en-joyable for its owners and inhabitants. And while such projects can be costly, home-owners who stay disciplined can still get their dream homes without busting their budgets.

Did you know? Many times it is to a homeowner’s ad-vantage to open the drapes and let sunlight shine in. Still, for shift workers, parents of young children who need to nap or just those who have south- or west-facing win-dows that make rooms overly warm, dark-ening the room is necessary at certain times of the day. The easiest and most effective way to do so is to purchase blackout curtains. Depending on the brand and quality of the curtains, some of them may block out sun-light entirely while providing additional benefi ts, such as insulating rooms against drafty windows and providing noise reduc-tion.

Homeowners willing and able to pitch in on their home projects can save themselves a substantial amount of money on labor costs.

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Though ceiling fans are most as-sociated with warm-weather seasons, most can be effective throughout the winter months as well, helping cir-culate warm air throughout a room in much the same way they circulate cool air during the warmer weather. Most of today’s fans have a switch near the mo-tor housing that alters the direction in which the fan’s blades turn. When a ceiling fan is used in the summer, its blades push the air down-ward, moving cool air around the room. The air blowing around the room is what cools people within the room. When the blades’ direction is altered, the blades then push the air upward to-ward the ceiling. This drives the hot air, which typically rises to the top, down toward the edges of the room. This helps circulate warm air throughout a room, making for more even heating. What’s more, this improved heat circu-lation helps combat window sweating that results from condensation on the glass when hot air is not effectively cir-culated throughout a home.

The pioneer home improvement series, “This Old House,” debuted as a one-time, 13-part series on a Boston public broadcasting station in 1979. The show has won 17 Emmy awards over its storied history. The original host was Bob Vila, who in 1989 was asked to leave the show af-ter appearing in commercials for home improvement competitors to the show’s underwriter, The Home Depot. Carpen-ter Norm Abrams has been part of the series since its inception. The series has spurred several spin-offs and is still go-ing strong today.

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Watching leaves turn brilliant shades of color and fall from the trees is a favor-ite activity each fall. Drivers travel near and far to witness spectacular and colorful displays of fall foliage, hoping to catch the peak hues in their respective areas of the country. While falling leaves can be a sight to behold, those leaves can become a nuisance to drivers in various ways. Understanding certain inconveniences and safety risks posed by falling leaves can help motorists protect their vehicle and themselves.

Staining Leaves can do more than just stain driveways; they also can damage a vehi-cle’s paint job. Should wet leaves, sap and other chemicals that leach out of the leaves stay on a car for an extended period of time, they can cause an outline stain and damage to the paint.It’s important to manually pick leaves off of the car’s surface right after they fall. Do not sweep them away; otherwise the leaves can scratch the paint surface. When all the leaves have been removed, thoroughly wash and dry the vehicle. Should stains be present already, use a commercial leaf-stain remover or automo-tive paint cleaner.

Clogging Leaves that fall can become trapped in air intake vents, eventually impeding fl ow and causing odors. Leaves that fall in the groove of the windshield by the wind-shield wipers should be removed. Use a high-powered shop vacuum to remove any leaves that are imbedded in the venting. Check other areas of the car where leaves can become problematic, such as un-der the vehicle or in the rear exhaust pipe.

Slippery surfaces The Car Care Council notes that wet leaves on the surface of roadways can be hazardous. Wet leaves can make roadways quite slippery, even as slippery as road-

Falling leaves:driving hazard

Autumn and driving seem to be tailor-made for one another, and they can be if motorists exercise caution when driving near fallen leaves.

ways when snow is falling. Drivers should slow down when roads are covered with wet leaves and take turns and off-ramps more carefully.Dry leaves also can pose problems, as they tend to accumulate at the edges of roads, where they easily can obscure curbs or street markings. Leaves may fi ll potholes,

giving the false impression that a road is smooth and causing damage to tires and suspension systems when drivers drive over them. Autumn leaves may be beautiful to see, but they can complicate driving and fall car care. Motorists should keep their cars clear of leaves and use caution on roadways.

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Many motorists notice that their vehi-cles seem to get less miles per gallon in cold weather than in warm weather. That’s not a trick of the brain, as studies have shown that cars do, in fact, have poorer fuel in economy in cold weather.

According to the United States Department of Energy, fuel economy tests have indicated that, when driving in short-trip city driving, a conventional gasoline car’s gas mileage is about 12 percent lower at 20 F than it would be at 77 F. The dis-parity is even greater in hybrid vehicles, which can see their fuel economy decline by roughly 34 percent when driven at 20 F. Before drivers can understand how to improve their winter fuel economy, it’s beneficial to learn why cold weather has such an adverse effect on a car’s fuel economy.

A host of factors combine to reduce fuel economy in the winter. When tempera-tures dip, engine oil and other drive-line fluids also get colder, and this increases engine and transmission friction. That forc-es the vehicle to work harder and use more fuel. An engine also takes longer to reach its most fuel-efficient temperature when the weather outside is cold. This won’t have too great an impact on fuel efficiency when taking long trips, but the shorter the trip the less economical the vehicle’s use of fuel will be, as a shorter trip means the vehicle is spending a larger percentage of the overall drive at a less fuel efficient temperature.

Another reason fuel economy suffers in the winter is the necessities and cer-tain creature comforts drivers need when driving in the cold weather. Windshield defrosters and vehicle heating systems use a substantial amount of power, and that usage forces the vehicle to expend more energy and use more fuel. And while many drivers consider heated seats one of the greatest automotive inventions known to man, those seats also use up a lot of power that negatively impacts fuel economy.

Improve your vehicle’s winter fuel economy

But factors outside the vehicle also impact its fuel economy in the winter. For example, colder temperatures decrease tire pressure, and that increases roll resistance, which means the car must work harder and use more fuel to get down the street than it would if it were riding on fully inflated tires in the summertime. Cold air also is more dense than warm air, and that

increases aerodynamic drag on the vehicle, which then needs to use more fuel to coun-ter the increased drag.

So what can be done to improve fuel economy in the winter? Fortunately, driv-ers can take several steps to do just that.• Park the vehicle in a garage. Leaving your car in the driveway in the winter means you might have to dig the vehicle out come

winter snowstorms. But that’s not the only inconvenience of parking your vehicle outside in the winter, as doing so can adversely affect its fuel economy. When possible, park the car in the garage, as this increases the initial temperature of the engine, engine oil, drive-line fluids, and the vehicle’s cabin. This can shorten the time it takes for the engine to reach its most fuel-efficient temperature while decreasing the engine and transmission friction that negatively impacts fuel efficiency.• Disregard conventional wisdom. Conventional wisdom has long suggested that idling a vehicle for several minutes will warm up the engine more quickly than simply driving. But many vehicle manu-facturers now recommend that drivers idle their vehicles for no more than 30 seconds, noting that idling the car unnecessarily wastes fuel and that driving the vehicle is the fastest way to warm up its engine. If you must warm up the vehicle, stick to the now widely accepted guideline that recommends idling for no more than half a minute.• Another nugget of conventional wisdom motorists may want to ignore concerns the motor oil they use in the winter. Many vehicle manufacturers now recommend a specific type of oil to use when driving in cold weather, so follow that advice instead of adhering to past practices that may not have been as fuel efficient.• Monitor tire pressure. As noted, colder temperatures decrease tire pressure, so drivers should monitor their tire pressure regularly throughout winter to keep their vehicle safe and to ensure they are not wasting fuel.• Remove the roof rack. Summer adventur-ists who love tying their mountain bike or kayak to their vehicles’ roof rack before heading off to explore parts unknown should remove those roof racks when the temperatures dip. Roof racks increase wind resistance and decrease fuel economy, so remove them during the offseasons.

Fuel economy will almost certainly decrease when the mercury drops. But driv-ers can employ a number of strategies to make their vehicles more fuel efficient in cold weather.

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Leasing an automobile is a great option for many people. Leasing allows motorists to drive a new car every few years if not more frequently, and the lower monthly payments associated with leases make it possible for drivers who otherwise may not be able to afford a new car to drive the vehicle of their choosing.

But unlike buying a new or used car, leasing requires drivers to return their cars at the end of their lease. That process often goes smoothly, but it goes even more smoothly for those motorists who know what to expect when the time comes to return their vehicles. The following tips can help lessees better navigate the process of returning a leased vehicle.• Expect an inspection. A lease inspection is standard with many lease agreements, but lessees may not know that this inspection can occur as early as 90 days before the end of the lease agreement. The leasing company will contact lessees to schedule an inspection, but such a call can catch some

How to prepare to return your leased vehiclelessees off guard if they’re not prepared to receive it. The lessee does not have to pay for the inspection, which is conducted to determine if there are any mechanical problems, cosmetic damage to the vehicle’s exterior and interior, cracks and/or pitting in the windshield, or excessive wear on the tires. Once the inspection has been completed, lessees will receive a report assessing any damage found by the inspector and the cost associated with addressing the damage. This report may be handed over immediately or in the days following the inspection.• Conduct your own inspection first. The best way to prepare for the lease inspection is to beat the inspector to the punch and inspect the vehicle first. Some auto manufacturers provide sample inspection reports to lessees so the drivers know what to look for in advance. If your vehicle manufacturer does not, find a sample report online and use that as your guide. When conducting your inspection, pay

particular attention to any dents, dings or scratches on the vehicle’s exterior as well as any tears or stains on the vehicle’s interior. A thorough detailing may be enough to address some scratches, while others may need a more creative solution, such as some new paint. Speak to an auto detailer if you think the scratches are significant enough that your lease inspector will charge you for them. In addition, remove personal items from your vehicle’s interior and clean and detail the interior if necessary. Handling issues on your own is typically less expensive than letting the manufacturer address any problems found during the inspection.• Request a second inspection. Many leasing companies schedule the first inspection so far in advance of the turn-in date so lessees can address any issues on their own and save money in so doing. Such companies will typically then schedule a second lease inspection upon request, so don’t be afraid to schedule a second inspection after you

have addressed issues found during the initial examination. Inspectors will check to verify all issues have been properly addressed, and you may even receive a second inspection report if some problems were not satisfactorily addressed.• Return everything. Many lessees are caught off guard when they are charged for items they received when they initially signed the lease but have long since lost or forgotten. Whether it’s that second set of keys you have never used or those annoying manufacturer floor mats that came with the vehicle when you drove off the lot, you need to return everything that came with the car. Failure to return items can incur penalties, some of which may be significant. Returning a leased vehicle is not as simple as returning a rental car. Lessees must take steps to ensure they are not subject to potentially costly penalties when they return their leased vehicles.

When purchasing a new vehicle, many people choose to finance their purchases. Much like buying a house, financing a vehicle requires buyers to produce a down payment and then make monthly payments on the vehicle until the balance of the loan has been repaid in full. Financing is a must for many consumers, who otherwise could not afford to purchase a new or reliable pre-owned vehicle. And just like prospec-tive homeowners can benefit from being preapproved for loans before they begin searching for a new home, auto buyers also benefit in various ways from getting pre-approved for a car loan before they begin their search for their next set of wheels.• Preapproval smoothes out the nego-tiation process. Few people enjoy haggling

Pinpointing the benefi ts to car loan pre-approvalwith car salesmen over the price of a new or pre-owned vehicle, and that process is even more difficult when buyers aren’t entirely sure of how much money they have to spend. When financing your vehi-cle with a preapproved loan, however, the process of negotiation can go much more smoothly, as you and the salesman know you only have a predetermined amount of money to spend. Ask the price to get the car off the lot, and then you can negotiate from there if you feel it necessary.• Preapproval cuts back on time spent at the dealership. A car dealership’s finance and insurance office is where buyers sit once they have told the salesman they want to buy the car and finance their purchase. Those who have not been preap-

proved often must sit through a sales pitch in this office or sit patiently as the sales-man goes back and forth with the finance manager as you negotiate the final cost of the vehicle. However, when you have been preapproved for a loan, no such back and forth needs to take place, and you can cite your preapproval as a reason you don’t want to commit to the extra add-ons that many dealers attempt to sell their buyers.• Preapproval means the car is yours when you take it off the lot. Dealers are some-times too quick to put keys in a buyer’s hand, and buyers with poor credit some-times are allowed to drive a car off the lot only to find out days later that the lender rejected their application, at which time they must return the vehicle or return to

the dealership to apply for a new loan, which will almost certainly come with a higher interest rate. Preapproval allows buyers to avoid this frustrating and some-times embarrassing process.• Preapproval reduces the risk that you will overspend. Many a new or pre-owned car buyer has fallen in love with a vehicle and spent more than they should have to make the car their own. Preapproval great-ly reduces the chances of this happening, as you know before you begin your search that your lender will only approve a loan for so much money. This can help buyers stick to a budget and avoid buying a car they can’t afford.

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It is almost time to bid adieu to the warm days of summer. Chilly afternoons followed by continually dropping tem-peratures are on the horizon, and fall is the perfect time to service the home fur-nace to ensure it is ready to withstand the demands of winter.Furnace maintenance should be done on a regular basis. The best time to do so is in late summer or early fall, when you still have enough time to address any problems before it gets too cold outside.

HVAC systems malfunctions are typi-cally caused by one of a handful of com-mon problems. Inspecting certain compo-nents can help to guarantee a furnace is in working order when the first cold days arrive.

Filter and air intakesAfter several months of running the air

How to inspect your furnace before winter arrivesconditioning, the filter on the heating and cooling system may need to be changed. Check the condition of the filter to see if it is heavily soiled. Furnace filters are relatively inexpensive. Since this thin bar-rier will be responsible for cleaning the air you breathe, it is important to keep a fresh filter in the unit. A clogged, dirty filter will reduce the efficiency of the HVAC system and may contribute to poor indoor air and allergies.

Check the air intakes around the house for obstructions. Do not place furniture directly in front of intakes or venting that delivers air to the home, as this can com-promise air flow and force the unit to work harder. Without adequate air flow through the system, the furnace may not turn on.

Many systems also have some sort of external vent or exhaust pipe. Check that the area is free of leaves, debris and animal

nests. Again, any blockages can impede the efficiency of the unit or cause it to fail.

ThermostatVery often a furnace may not turn over

because the thermostat is faulty. Many a homeowner has spent money to have a service person come out to examine the furnace, only to learn they only need a new thermostat or battery in the thermostat.

Check the thermostat against a sepa-rate thermometer to ensure that it is read-ing the right temperature in the house. Raise the setting a few degrees to test if the heat kicks on.

FuelFurnaces are powered by various ener-

gy sources. Electricity, gas or oil may be involved in the process. If fuel is not being delivered to the furnace, the pilot will not

light and warm the air to be blown through the house. Some systems have an emergen-cy shut-off switch that will halt fuel deliv-ery to the unit. It’s easy for these switches to be flipped accidentally if a furnace is located in a high-traffic area. Make sure the switch is in the “on” position before reporting a problem.

In addition to these steps, you may want to vacuum the vent screens around the house. This will reduce the amount of dust blown around. Also, if the fur-nace exhausts into a flue, be sure that the exhaust route is clear so that carbon mon-oxide does not back up into the home.

Many homeowners are fully capable of inspecting their furnaces to ensure they are ready for winter. If anything seems out of place or malfunctions, consult with an HVAC professional to make repairs.

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*Price includes Ford Rebates. Ford financing required. With $1,150 Trade Assist on ’95 model or newer 30 ownership. Security deposit required, plus tax, title, license & documents fees extra. With approved credit. Offer ends Sept. 30, 2014. **Lease is for 24 months, $3000 due at signing. 10,500 miles per year (20 cents every mile thereafter). Ford Rebate included. Ford financing required. Security deposit required, plus tax, title, license & documents fees extra. With approved credit. Offer ends Sept. 30, 2014.

*Price includes Ford Rebates. Ford financing required. Security deposit required, plus tax, title, license & documents fees extra. With approved credit. Offer ends Sept. 30, 2014.**Lease is for 39 months, 10,500 miles per year (15 cents every mile thereafter). Ford Rebate included. Ford financing required. Security deposit required, plus tax, title, license & documents fees extra. With approved credit. Offer ends Sept. 30, 2014.

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Paint-free ways to brighten your home Autumn is a beautiful time of year marked by pleasant temperatures and col-orful fall foliage. But as vibrant as nature can be in the weeks after summer has end-ed, homeowners know that the shortened days of autumn mean less light inside their homes, which can become dreary even in the weeks before the arrival of winter. Many homeowners pick up their paintbrushes in an effort to make their homes more colorful. But homeowners need not embrace their inner Picasso to brighten their homes’ interiors. The fol-lowing are a handful of paint-free ways to add some splashes of color to your home this fall.* Bring nature inside. Flowers and plants can make colorful additions to a home’s interior. Flowers tend to be aromatic, which can make a stuffy house in which windows need to be kept closed a lot more pleasant. Plants and flowers also can improve indoor air quality. Several stud-ies have shown that houseplants improve indoor air quality by filtering out vola-tile organic compounds, or VOCs, that can be harmful to human health. That’s especially important come late fall and winter, when homeowners typically shut their windows and keep them shut until spring, making it difficult for fresh air to enter a home.* Invest in some colorful throw pillows. Natural sunlight brightens a room come spring and summer. But sunlight is in-creasingly scarce as fall turns into win-ter, and rooms that do not boast too many colorful accents can quickly grow drab as summertime sunlight dwindles. Instead of buying new furniture, invest in some colorful throw pillows to give a room a more vibrant look. Patterns can be mixed and matched to provide some contrast and transform a room from somewhere to spend time into a sight to behold.* Paper the walls. While many of today’s homeowners prefer paint to wallpaper, those who want a less permanent solu-tion to brighten up their homes may want to consider removable wallpaper. Such paper is less expensive than traditional wallpaper, and many do-it-yourselfers find removable wallpaper is easy to both install and remove. Choose a colorful pat-tern that can turn an otherwise plain wall into a potent palette that adds some life to your home’s interior. Because removable wallpaper does not require a significant financial investment, you can experiment with various colors or change things up each month if you so desire.* Add some artwork. Another way to add color to the walls inside your home with-out dusting off your paintbrush is to hang some colorful artwork. Paintings that fea-ture bold colors tend to draw your imme-

diate attention when you enter a room, and that quality can make you forget the room is not benefitting from natural light. If you want to go the extra mile, find a painting that features colors which match throw pillows or other accessories in the room. This way your walls and your ac-cessories are working in concert to make a room more colorful.* Rug it out. A patterned throw rug is another accessory that can effectively brighten a room without much effort or financial investment on the part of home-

owners. When choosing a throw rug, find one that’s colorful but does not clash con-siderably with existing furnishings, as you don’t want the rug to draw attention for all the wrong reasons. You have more freedom with regard to rugs if you’re fur-nishing an empty room, as you can choose whichever rug you look and then choose additional furnishings based on the rug. Homes tend to darken as late fall turns into winter. But homeowners can brighten their homes in various ways, even if they prefer not to paint.

Colorful flowers and throw pillows can brighten a home’s interior with minimal financial investment on the part of homeowners.

Fall Home & Auto

Documents

Transcript of Fall Home & Auto