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Whether you are looking for some household money saving tips, remodeling information for your home, need help lowering your mortgage payments or anything else that involves your most valuable asset, The Homeowner Information Network is your one stop source for information on the day to day dealings of your house. We have many pages of hints and tips on efficient home ownership, as well as links to some great resources.

From our happy home to yours, ENJOY!

In an effort to continue to provide meaningful solutions to the housing crisis, effective June 1, 2012, the Obama Administration expanded the population of homeowners that may be eligible for the Home Affordable Modification Program to include:
  • Homeowners who are applying for a modification on a home that is not their primary residence, but the property is currently rented or the homeowner intends to rent it.

  • Homeowners who previously did not qualify for HAMP because their debt-to-income ratio was 31% or lower.

  • Homeowners who previously received a HAMP trial period plan, but defaulted in their trial payments.

  • Homeowners who previously received a HAMP permanent modification, but defaulted in their payments, therefore losing good standing.
Source: makinghomeaffordable.gov
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Here are 9 simple ways to cut your energy bill and save money TODAY!

Put lamps in the corners: Did you know you can switch to a lower wattage bulb in a lamp or lower its dimmer switch and not lose a noticeable amount of light? It's all about placement. When a lamp is placed in a corner, the light reflects off the adjoining walls, which makes the room lighter and brighter.

Switch to a laptop: If you're reading this article on a laptop, you're using 1/3 less energy than if you're reading this on a desktop.

Choose an LCD TV: If you're among those considering a flat-screen upgrade from your conventional, CRT TV, choose an LCD screen for the biggest energy save.

Give your water heater a blanket: Just like you pile on extra layers in the winter, your hot water heater can use some extra insulation too. A fiberglass insulation blanket is a simple addition that can cut heat loss and save 4% to 9% on the average water-heating bill.

Turn off the burner before you're done cooking: When you turn off an electric burner, it doesn't cool off immediately. Use that to your advantage by turning it off early and using the residual heat to finish up your dish.

Add motion sensors: You might be diligent about shutting off unnecessary lights, but your kids? Not so much. Adding motion sensors to playrooms and bedrooms cost only $15 to $50 per light, and ensures you don't pay for energy that you're not using.

Spin laundry faster: The faster your washing machine can spin excess water out of your laundry, the less you'll need to use your dryer. Many newer washers spin clothes so effectively, they cut drying time and energy consumption in half- which results in an equal drop in your dryer's energy bill.

Use an ice tray: Stop using your automatic icemaker. It increases your fridge's energy consumption by 14% to 20%. Ice trays, on the other hand, don't increase your energy costs one iota.

Use the dishwasher: If you think doing your dishes by hand is greener than powering up the dishwasher, you're wrong. Dishwashers use about 1/3 as much hot water and relieve that much strain from your energy-taxing water heater. Added

bonus: you don't have to wash any dishes.



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