When my wife and I divorced this year I found I'm unable to pay on my credit card debt.? |
| Once I pay the house, car, child support and household expenses there is not much left over. I've thought about filing bankruptcy but right now i'm doing nothing. What's the best ... |
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Does the bank make interest on my money? |
| I have quite a substantial amount of savings, and it always annoys me when I recieve my bank statement as I recieve a pittance back in interest. After contacting my bank they seem quite reluctant to ... |
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Is there an agency or something to help when you've been robbed and your bank won't giveyour money back. |
| My friend had her credit and debit cards stolen back in March and was cleaned out in the day or so it took her to realize. Now the bank won't give her her money back (even though she filed a ... |
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EMERGENCY:how can i earn $15 in one hour?!?!?!? |
please help!!! i need $15 before noon TODAY
best answer=10 ... |
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How can i make a lot of money at age 17? |
| i need to make a lot and i have a job at a grocery store that pays only 715 im moving out this summer, and ill only have about 4,000 and i dont think thats ... |
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What would you do?? |
| What would you do if you won the lottery? Would you invest, would you spend lavishly, would you give to your family, would you put it into a shoebox and bury it? What......need help....?... |
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Is it possible to have 2 joint current accounts with the same bank? |
| We have ovadraft of ÂŁ1500 at the mo keep gettin charged ÂŁ127 fees, to avoid this (as they wont extend o d) can we open a new joint account to `start from scratch` & gradually pay off otha acct? ... |
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I am broke!What should I do about a credit card debt? |
| I have lost everything due to a costly divorce . I have tried to make payments on one remaining card in the amount of $13,000. Now they have sold the debt and have served me with a lawsuit demanding ... |
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Am I a late starter when it comes to retirement savings? |
I make 135k a year, have $2000 in debt, but only $25000 in an IRA. I'm a late starter? Additional Details 32 years ... |
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Does anyone know of any legitimate work from home opportunities that don't require a start up fee? |
| I live on a military base and it has proved nearly impossible to get a job. I have two small children that I would love to be able to stay home with, but I also feel the strain of one income. If ... |
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Is it illegal to tipex a name of a cheque? |
| I had a cheque sent to me but it has my name mispelled. I contacted the lady who sent it and she said that it is fine to change it. So is it illegal to change?... |
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What is the catch on a 0% APR Automobile Loan?? |
| Everyone advertises 0% on car loans but there has to be a catch??... |
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Can't afford my car after being laid off. Need Advice!!!? |
| I financed a brand new convertible last year. The payments were a little high, but I could afford them. 2 months ago, I was laid off of my job. I recently found a job( actually working two jobs) but I... |
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Prodigal Son | Can you give me some tips on how to cut down on my usage of Gas and Electricity? |
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skycat
 |
here are five of my top tips:
Tip one: check your thermostat.
Turning your thermostat down by just one degree could cut your heating bills by as much as 10%. For most, setting the thermostat at 23°C is adequate.
Tip two: invest in a lagging jacket and insulation.
Insulating your pipes and your boiler will require expenditure - however, this should pay for itself within a few months. Loft insulation can cut heat loss by 25%.
Tip three: use energy-saving light bulbs.
Energy-saving light bulbs are a great money saver - reducing your lighting costs by as much as ÂŁ78 over the lifetime of a bulb.
Tip four: close doors and heat sensibly
Closing doors and heating occupied rooms only can help reduce your energy consumption and cost.
Tip five: standby off!
Standby can use anything from 10-60% of the electricity a device would use if it was left on, so switch those little lights off.
These are just a handful of money-saving tips - for more ideas check out our energy saving tips guide.
Have a nice day !!!!!!!!!!!!!!! |
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Mummy 2B DEC 10th !
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turn the light off wen u leave a room
dont have the heating on 2 high for 2 long
dont leave the telly on standby at night
try not to use the tumble dryer
dont have a dishwasher wash dishes in the sink |
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tangoman1
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turn down heating tono5 turn lights off in rooms noones in dim lounge lights keep all doors shut |
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M1
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turn off you plugs sockets, all of them and don't have any heating or cooking facilities. |
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scrumpy
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never have lights on when not in the room dont leave things on standby |
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Spacephantom
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When you're making tea of coffee, don't fill your kettle right up. Just boil the amount of water you need (or as close to it as you can). It's amazing how much electricity you can save that way.
Use energy saving light bulbs where possible. They are a bit more expensive than normal ones, but last much longer, so save you money in the long run.
Only have lights switched on in rooms that are in use, and remember to turn them off when you leave the room (except where somebody else is still in the room of course).
Where possible, the same goes for heaters and other appliances in rooms that are not in use.
Make sure your home is properly insulated.
Switch the TV / video / DVD off properly rather than just pressing the standby button. When on standby, they use 60% of the electricity that they do when they are fully on.
Hope this helps |
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benjoe021
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Turn off your heating when you are going to be out all day. Switch off lights, plug sockets, etc when not in use. Especially chargers as they use loads of electric even when not plugged into anything. (Phones, etc) Washing machine on lower temeratures, dishwasher on economy wash, dry on the washing line not the tumble dryer. |
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matt
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Among other things, turn off lights when leaving a room. Check heating insulation in your flat. Especially around windows. Turn down the heat in your flat by 1 degree (C), saves about 5% gas. Turn off the heat in your bedroom.
There are many more things you can easily do with immediate results, to conserve energy. Just think about it and you will detect many opportunities to save and change your habits accordingly. |
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Zapgaia
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This guys very good at cost cutting http://www.moneysavingexpert.com/utilities/
Energy conservation in the home
Quick Facts...
The average house uses 38 percent of its total annual energy use on heating.
When a house is occupied, the thermostat should be set at 65 to 68 degrees F for maximum energy efficiency.
Install a central air conditioning system only when whole house air conditioning is needed.
A sun tempered superinsulated home uses passive solar design concepts with superinsulation construction techniques.
Replace aging appliances with newer energy efficient models.
When comparing an average house to an energy efficient house, it’s possible to reduce annual energy bills up to 40 percent. Prudent homeowners should consider developing an energy conservation plan for their home. This is both an environmentally friendly and economically sound action.
In developing an energy conservation plan for your home, use the following approach: identify the problem areas where energy is being lost or inefficiently used; prioritize the problem areas according to how much energy is being lost or inefficiently used; and systematically correct the prioritized problems according to the limits of your household energy improvement budget.
The average house uses energy for the following tasks (with percent of annual energy use noted).
Heating 38 percent
Hot Water 19 percent
Major Appliances 21 percent
Other Appliances 15 percent
Lighting 7 percent
As you develop your home energy conservation plan, the first task is to identify problem areas. The above list of household energy uses suggests a place to start – the higher energy uses (i.e. heating) have the greatest potential for savings. Review the energy conservation measures checklist below to identify problem areas in your home.
The checklist describes energy conserving measures according to energy use tasks. Under each task is a list of energy conserving actions prioritized by their cost effectiveness. Review the items on the list and compare them to the present situation in your home. You may already be implementing some of these measures, so use the items below to help you identify other strategies to further develop your plan.
Heating
Set your home thermostat as low as comfortable (65 to 68 degrees F is suggested) when the house is occupied.
Set back the thermostat by as much as 10 F at night or when the house is unoccupied during the day.
Set back the thermostat to 50 to 55 F when the house is unoccupied for over 24 hours.
Install a programmable thermostat to automatically provide the setbacks mentioned above.
Close the fireplace damper – except during fireplace use.
Reduce heat to unused rooms in the house – close doors and heat registers too.
Close curtains and shades at night.
Replace furnace filters once a month during the heating season.
Remove any obstructions and clean heating registers regularly.
Have certified maintenance personnel service and check your furnace regularly – every three years for gas fired furnaces.
Seal all joints in sheet metal ducts in a forced air furnace with mastic or appropriate tape; insulate ducts passing through unheated spaces.
Minimize the use of kitchen, bath, and other ventilating fans or install a timer switch on them.
Install insulating gaskets behind electrical outlets and switch plates on exterior walls.
Caulk and weatherstrip doors and windows.
Caulk and seal leaks where plumbing, ducting or electrical wiring penetrates through exterior walls, floors, and ceilings.
Upgrade ceiling insulation to R-38 (higher R values mean greater insulation levels and thus more energy savings).
Insulate exterior heated basement walls to at least R-11.
Insulate floors over unheated areas to R-19.
Install storm windows over single pane windows.
Replace aging furnace, when needed, with an energy efficient model.
Replace single pane windows with energy efficient double pane windows mounted in non-conducting window frames.
Hot Water
Repair leaky faucets.
Reduce the temperature setting of your water heater to warm (120 F).
Add an insulating blanket to your water heater.
Install low-flow showerheads.
Wash clothes in warm or cold water using the appropriate water level setting for the load.
Replace water heater, when needed, with an energy efficient model.
Major Appliances and Other Appliances
Maintain refrigerator at 37 to 40 F and freezer section at 5 F.
Maintain stand alone freezer at 0 F.
Choose a refrigerator/freezer with automatic moisture control.
Use toaster ovens or microwave ovens for cooking small meals.
Adjust the flame on gas cooking appliances so it’s blue, not yellow.
Replace a gas cooking appliance with a unit with an automatic, electric ignition system.
Run the dishwasher only with a full load of dishes.
Air dry dishes in a dishwasher.
Regularly clean the lint filter on your dryer and inspect the dryer vent to ensure it is not blocked.
Shut down home computers when not in use.
Select appliances (i.e., curling irons, coffee pots, irons) with time limited shut off switches.
Replace aging major appliances, TVs and VCRs when needed, with energy efficient models. Compare the annual energy consumption and operating cost for each appliance by looking at the bright-yellow and black Energy Guide label when shopping for new appliances.
Lighting
Turn off lights when not in use.
Use task lighting whenever possible instead of brightly lighting an entire room.
Install compact fluorescent lamps in the fixtures which receive high use.
Now you have reviewed the above items in the checklist and marked those you need to address. The next step is to prioritize these items according to their cost and appropriateness for your situation and lifestyle. Next, refine your home energy conservation plan using these prioritized items as a guide. Finally, implement the plan as time, your energy, and budget allows.
Cooling
While the above items are the main energy users in a house, in certain parts of Colorado keeping a house cool in an energy conserving manner also needs to be addressed. Consider adopting the following energy conserving cooling measures, as well as the heating measures listed above, in developing your home energy conservation plan.
Open windows at night to bring in cool night air; close them during the day.
Close drapes during the day.
Shade west facing windows.
Draw cool night air into the house with a whole house fan.
Install an evaporative cooler.
Use room air conditioning only where needed and install energy efficient models.
Install a central system air conditioner only when whole house air conditioning is needed.
Maintain an air conditioned house at 78 F or higher.
Regularly change air conditioning system filters and clean the condenser.
Plant deciduous shade trees on the west and south sides of your house.
Sun tempered superinsulated (STS) homes
If your considering buying or building a new house, you might want to incorporate concepts found in a sun tempered superinsulated (STS) house. A STS house uses passive solar design concepts with superinsulation construction techniques. Colorado’s cold but sunny climate is well-suited to an STS house. Elements in an STS house include: solar orientation; increased insulation levels; effective air/vapor barrier; controlled ventilation; and energy efficient window treatment.
Solar Orientation
Orient main activity rooms and windows to the south.
Locate patios and decks on the south side of the house.
Properly shade south exposure with roof overhangs and correctly placed shade trees to provide summer comfort.
Increased Insulation Levels
Superinsulate walls using 2” x 6” framing, R-19 insulating batts, and a layer of rigid insulation over the exterior wall framework.
Insulate ceilings to R-40.
Insulate foundation walls with exterior rigid board insulation.
Effective Air/Vapor Barrier
Install a continuous impervious membrane on the inside of exterior walls with no breaks; seal all penetrations with gaskets and caulk.
Controlled Ventilation
Install an air-to-air heat exchanger to control ventilation rates in the house.
Use a furnace and water heater that draw combustion air from the outside.
Energy Efficient Window Treatment
Use this STS checklist to compare house designs you are considering building or buying. The STS measures add only a small increase to the overall house cost and will be paid back many times in lower energy bills and increased comfort.
Minimize windows on the north and west walls of the house.
Reduce window areas to eight percent of the floor area of the house.
Install window frames made of a non-conducting material.
Install double-paned windows treated with low emissivity (“Low E”) coatings. |
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Sassafrass
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Unplug things when they aren't in use because many items still drain power when you aren't using them....the microwave, stereo, etc. etc. |
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David B
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bathe using your neighbor's hose, and unplug the TV |
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Gypsy Priest
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Eat less disagreeable foods and avoid wearing sweaters or shoes with souls that act as insulators.
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.Sorry. I couldn't help myself. |
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nightcrawler
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Live in a cave. Hunt wild animals. Eat nuts and berries. cook over a wood fire. Sound plausible? Looks like you and me are stuffed then. |
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RobisaLone
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You need to get out more that helps to save on fuel bills |
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braca-montes
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live in the woods |
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kckid2
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Just say no.
You remember how to do that right? |
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