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Weichert Realtors: Homes for Sale & Real Estate Listings in NJ,NY,FL,VA,MD,DC,CT,PA,MA,SC,NC,TX,GA,DE,OH,TN,WV En Espanol City & State, or Zip: MLS #: Price Range: $ ,000 To: $ ,000 Rentals Careers at Weichert Luxury Homes Historic Homes New Homes and Land Corporate Housing Commercial & Investments Insurance Gold Services Relocation Real Estate Schools Referral Associates Franchise Opportunities Start your Home search here, or click on the map. Please Select Alabama Arkansas Connecticut Delaware Florida Georgia Illinois Maryland Massachusetts Missouri New Jersey New York North Carolina Ohio Pennsylvania South Carolina Tennesee Texas Virginia Washington, DC West Virginia Weichert, Realtors proudly donated $1.3 million to the American Red Cross for the victims of Hurricane Katrina Also Search For: Selling · Open Houses · Mortgages · Associates · Offices Browse By State: Alabama Real Estate Properties New York Real Estate Properties Arkansas Real Estate Properties North Carolina Real Estate Properties Connecticut Real Estate Properties Ohio Real Estate Properties Delaware Real Estate Properties Pennsylvania Real Estate Properties Florida Real Estate Properties South Carolina Real Estate Properties Georgia Real Estate Properties Tennesee Real Estate Properties Illinois Real Estate Properties Texas Real Estate Properties Maryland Real Estate Properties Virginia Real Estate Properties Massachusetts Real Estate Properties Washington, DC Real Estate Properties Missouri Real Estate Properties West Virginia Real Estate Properties New Jersey Real Estate Properties Call 1-800-USA-SOLD (1-800-872-7653) Buying a House | Selling a Home | Open Houses | Real Estate Agents | Realtor Offices Find a Mortgage | My Real Estate Listings | About Weichert | Home | Contact Us Real Estate Franchise Opportunities | Weichert Careers © 2005 Weichert Realtors. All rights reserved. Terms of Use | Privacy Statement REALTOR® -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR® holds membership. © 2005 Weichert Realtors. All Rights Reserved.

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Welcome to Lightsite.net ENERGY STAR ® in the News What's going on with E NERGY S TAR ® in your community? Stay informed through stories from regional news clippings , energy newsbriefs from CON.WEB , and the U.S. EPA E NERGY S TAR ® News Room . NEWS ARTICLES CFL Sales Looking Bright, Even After Post-Energy Crisis Dip Customers Put a Spotlight on Energy Conservation Northwest Leads the Nation in Energy Savings Effort National Leader Whitman Accepts Charles H. Percy Award For the E NERGY S TAR ® Program E NERGY S TAR ® Helps America Keep Cool This Summer Regional News Clippings Each month the E NERGY S TAR ® Lighting Program features Northwest regional news stories about energy-efficiency from local papers. CFL Sales Looking Bright, Even After Post-Energy Crisis Dip Jim DiPeso for Con.Web Compact fluorescent lamps are holding on to an expanded beachhead in theresidential lighting market, even as recent sales have dipped from theirextraordinary high during the 2000-01 energy crisis, according to NorthwestEnergy Efficiency Alliance reports and industry observers. With energy off the front pages, ongoing consumer interest in reducingelectricity bills is likely to continue supporting CFL sales, the Alliancereported in a market evaluation study prepared by ECONorthwest in 2002. CFL bulb prices have fallen by about two-thirds since 1997, which isattracting more consumers, according to Costco, the region's leading CFL retailer. Increasing manufacturere interest in CFLs also is evident. CFLs, however, still account for a small share of the residential lightingmarket, and sustained high sales will be necessary to transform thehousehold lighting market, the market evaluation study reported. Even at the height of the energy crisis, with power shortages on the frontpages and a compact fluorescent discount coupon campaign in full swing, CFLsaccounted for only 11 percent of total Northwest light bulb sales, the studynoted. Fewer than 40 percent of households purchased even one CFL. Cost is still a significant barrier to expanded CFL sales. Quality alsoremains a concern, despite improvements "The product appears to be viable for some people for some applications,"said Ken Keating, Bonneville Power Administration market transformationcoordinator and Alliance board member. "Long term, there is still a lot moreenergy efficiency to be acquired in lighting. This is still a blip," Keatingsaid. Compact fluorescent market still small, but looking brighter. (Continuation from Home page) CFL Sales Down ... But Still Up Northwest sales of compact fluorescent bulbs are running at about 4 millionunits per year, said Marci Sanders, the Alliances residential lightingprogram coordinator. While sales have fallen from the estimated 6.7 millionsnapped up in the region during 2001, the volume is substantially higherthan the estimated 381,000 sold in 2000, according to Alliance figures. (Inaddition to the 6.7 million bulbs sold in 2001, utilities gave away anadditional 1.6 million that year, according to the market evaluation study.) The Alliance had expected 2002 CFL sales to reach 2.5 million, but an autumnbuying surge helped push the volume to 4 million, Sanders told the Allianceboard April 30. Northwest lighting sales typically rise in the fall, asdaylight noticeably diminishes. In addition, a national Energy Star CFLpromotion, Change a Light, was in full swing, Sanders said. Since 1997 the Alliance has sponsored a residential lighting program toboost sales of compact fluorescent lights and fixtures. Between 1997 and2000, manufacturers were given incentives through the compact fluorescentfixture and bulb programs to increase availability of CFLs and reduceprices, according to the market evaluation study. In 2000, the studycontinued, the programs were combined into one and revamped to emphasizemarketing partnerships with retailers and to support only EnergyStar-certified bulbs and fixtures. More than 1,000 Northwest retailers haveparticipated in CFL marketing activities. Nearly 90 utilities participated in a CFL coupon campaign funded by BPA andutilities during the boom year of 2001. Coupons accounted for nearly 40percent of CFL sales that year. The market evaluation study found evidence CFL sales can be sustainedwithout coupons. In a 2001 survey of 1,421 Northwest consumers (included inthe market evaluation study), 94 percent of respondents who had purchased aCFL said they would buy another even if coupons were unavailable. Sanders estimated that 75 percent to 80 percent of CFLs sold in 2002 werepurchased without coupons. "That is a very good sign," she said. The survey sample included 246 people who had purchased a CFL, 38 who hadreceived free CFLs from utilities, 316 who had purchased only incandescentbulbs in the three months preceding the survey, and 821 who were questionedabout CFL awareness. Another sign of market sustainability, the survey said, were the futureintentions of respondents who had purchased only incandescent bulbs. "Moresurprisingly, 64 percent of incandescent buyers indicated they intend topurchase a CFL in the next year. This is a strong potential indication ofthe sustainability of future CFL sales," the survey said. Efficiency Opportunity If so, there will be plenty of opportunity for CFLs to improve residentiallighting efficiency. The medium load forecast for the Northwest PowerPlanning Councils upcoming regional plan estimates that cost-effectiveresidential lighting efficiency potential will total an estimated 660average megawatts by 2025, said Tom Eckman, the councils conservationresources manager. Existing housing stock accounts for about 80 percent ofthat prospective resource, he added. That potential number doubled following a lighting log study carried out in160 homes by Tacoma Power, Eugene Water & Electric Board and other utilitiesin the late 1990s, Eckman said. The study found that homes have morelighting fixtures than previously thought and lights are being left onlonger. "We had an empirical basis to do a better forecast," Eckman noted. Falling Prices The consumer survey showed saving energy was the leading reason whyNorthwesterners bought CFLs in 2001. Even though energy no longer headlines the news, CFL energy savings remainattractive and falling product prices have helped the products hold theirown in the market, said Collin Cremo, assistant general manager for CostcosU.S. hardware purchasing division. "Pricing is going down and that is very positive for the consumer. You usedto pay $15.99 for a two-pack of bulbs. Now, you can get a four-pack for$11.99," Cremo said. The Alliance estimates average prices fell from $14-$28 per bulb in 1997 to$5-$10 in 2002. Large retailers such as Costco and Home Depot have led the market inoffering multibulb packages that have driven down prices, Sanders said.These two major retailers account for a significant share of Northwestsales, she said. In the consumer survey, 38 percent of CFL buyers indicated they hadpurchased the bulbs at a discount retailer. However, 35 percent said theynormally buy light bulbs at grocery stores, an indicator that supermarketscould be "an important retail target for increasing market penetration," thesurvey said. Manufacturer Interest The growing consumer interest in CFLs has attracted an influx ofmanufacturers to the market. Sanders said only 10 percent of the CFLs purchased in 2002 were made by thethree big multiproduct lighting companies--Philips, Osram Sylvania, and GE.Smaller manufacturers that sell only CFLs "are getting (shelf) placementwith better pricing because they are willing to cut deals with retailers,"Sanders said. Another reason CFLs are holding their own is the introduction of new bulbdesigns to suit consumer tastes. Keating said manufacturers are "responding to customer demands for productsthat fit in different applications. You can get bug lights, chandelierlights, recessed can lights, even green and red CFLs for holiday use. Youcan get really small ones. I have one that measures no more than 4 inchesfrom stem to stern." Keating said manufacturers understand they cant compete solely on price."They need to give customers something they can use." For example, consumers have asked for smaller bulbs, to which manufacturershave responded, said Matt Donati, CFL product manager for Philips Lightingin the U.S. "We sell eight-packs of 60-watt-equivalent lights that are small enough forlight bars in bathrooms," Cremo said. Donati believes consumers will be more receptive to CFLs that fit their ideaof what light bulbs are supposed to look like. "The key is to try to makethem as incandescent-appearing as possible," Donati said. "People see thespiral shape and it looks like curly fries. They ask, Whats that? If yougive them a bulb that looks more like a, quote, light bulb, they will bemore appealing." Philips Marathon family of compact fluorescents includes globe-like"A-shaped" bulbs that resemble incandescents, as well as conventionallydesigned CFLs. Sanders said Westinghouse plans to launch a "designer bulb" in differentcolors that will be specially suited to accent lighting typically providedby small halogen incandescent lights. Quality Issues Quality, however, remains a bugaboo afflicting the CFL market, Keating said.Despite continuing improvements, enough low-quality bulbs are on the marketthat the U.S. Department of Energy is concerned they reflect poorly on theEnergy Star label for energy-efficient consumer products, Keating said. Energy Star is a self-certification brand, so manufacturers are responsiblefor ensuring their products meet Energy Star standards. Unlike the applianceindustry, the residential lighting industry has not developed internaltesting protocols to make sure products are worthy of the Energy Star label,according to the Alliance. DOE has proposed changing Energy Star specifications to require CFLmanufacturers to submit long-term performance data before they can use theEnergy Star label. As a result of quality issues, the Program for the Evaluation and Analysisfor Residential Lighting (PEARL) has tested bulbs for quality since 2000.PEARL sponsors include BPA, Sacramento Municipal Utility District, PacificGas & Electric and energy efficiency utilities in the Northeast. Here is how PEARL works, according to a presentation at an Energy Starmeeting this year by Noah Horowitz of the Natural Resources Defense Council,chairman of the PEARL advisory board. Bulbs are purchased anonymously fromretail stores. Bulbs and ballasts are tested at Rensselaer PolytechnicUniversitys Lighting Research Center. Tests cover lighting and ballastperformance, lamp life, lamp start time, dimming, color rendition, powerfactor and other characteristics. Two testing cycles are carried out peryear. Ten fixtures and 20 CFL products are tested in each cycle. Horowitz said test results are given to Energy Star program managers at theDepartment of Energy and Environmental Protection Agency. The agencies canuse the information to remove the Energy Star label from substandardproducts. The recent growth in the CFL market "has attracted many new, unknown, and insome cases, unreliable manufacturers offering products with the Energy Starlabel," said an article about PEARL in a recent Alliance newsletter. Keating said PEARL is negotiating with manufacturers, distributors andretailers to share testing costs. "They want to get the bad products out ofthe market," he said. Costcos Cremo said "stricter tests" are needed to determine how well CFLsreally hold up when used in real-world environments such as inside fixtures.In comments on DOEs proposed Energy Star specification changes, NRDCpointed out that higher operating temperatures common in recessed canfixtures can shorten bulb life. NRDC also pointed out that CFL manufacturersoften change contract manufacturers and component suppliers, which canresult in uneven quality. Still, Keating said compact fluorescents have come a long way since the late1980s, when ungainly bulbs dominated what was then a tiny CFL market.Keating chuckled as he recalled a brand he nicknamed "Smoky Joes" because ofa bulb that overheated and began smoldering. In the consumer survey, only 3 percent to 4 percent of CFL buyers indicatedthey were dissatisfied with their purchases, and 78 percent of thedissatisfied indicated they were likely to buy another CFL in the comingyear. The leading reason for dissatisfaction, cited by 34 percent of thosenot satisfied, was that CFLs were not bright enough. Eleven percent citedearly burnout. Nearly 55 percent of CFL buyers who were satisfied with their purchaseslisted long product life as the leading reason for their satisfaction.Thirty-six percent cited energy efficiency, while 31 percent mentioned lightquality. CFL Barriers Cost remains the leading barrier to expanded CFL sales, according to theconsumer survey. Of the 316 respondents who had purchased incandescent bulbsonly, 38 percent listed price as a reason they had not purchased CFLs.Nineteen percent had not heard of CFLs, while 15 percent said they could notfind a type or size they wanted. One way around the price barrier, Philips Donati said, is to change theidentity of light bulbs from a commodity to a value product by educatingconsumers about the varying ways different kinds of lighting can be used todecorate their homes. "Show them how lighting adds value and how lightingcan be used to change the look of their homes," Donati said. He advocated expanded awareness of CFLs and their attributes. "I do the momtest," Donati said. "I show my mom a CFL and ask her, Whats this? Shedoesnt know. I say, Come on, mom, its a light bulb, I work for PhilipsLighting. People just arent as aware of them." In a May 2002 report, ECOS Consulting described barriers to CFLs in new homeconstruction. At least 11 parties--few with lighting design expertise--maybe involved in specifying new home lighting. Most new home energy efficiencyprograms do not address optimizing lighting or architectural designs thatcomplement daylighting, the report said. Home-buyers rank style and aesthetics as their highest lighting priority,ECOS said. "The more that energy-efficient lighting is designed to beattractive and aesthetic, the more marketable and permanent it will be, evenif this means giving up some potential energy savings to ensure consumersatisfaction," the report said. Lower prices, better quality, and expanded consumer awareness all will bekeys to building the CFL market, Keating said, observing that markettransformation often takes time. Costcos Cremo is confident CFLs eventually will replace incandescentsentirely. "From what Ive seen of the (CFL) technology lately, theincandescents days are numbered," he said. "I tell utilities to keepbombarding people with CFL information. Theyre going to get better andbetter." Reprinted with the permission from Con.Web. Back to Top Customers Put a Spotlight on Energy Conservation Scappoose Spotlight/Record-Journal As CFLs grow in popularity, the Northwest looks ahead to big energy savings and bulb recycling options... Now that North westerners have embraced compact fluorescent lights (CFLs), a decrease is on the rise in our regions energy use. Think about it! Approximately 6.5 million E NERGY S TAR ® CFLs alone were sold in only four states; Montana, Washington, Oregon, and Idaho. Over 1,400 northwest retailers and 90 electric utilities participated in last years E NERGY S TAR ® Residential Lighting Program; the Northwest region is leading the charge! If you take that number and compare it with the 381,000 CFLs that were sold in 2000, you can now understand the impact and change, which these CFLs have had on the consumers home lighting needs. Not only do CFLs save the environment by using less electricity, consumers will save up to $30 over the life of the bulb on their monthly electric bills. "The success of the E NERGY S TAR ® residential lighting program reminds us that together we can provide big energy savings, improve the health of our region's electric system and help protect the environment," said Margaret Gardner of the Northwest Energy Efficiency Alliance. According to the NW Energy Efficiency Alliance, not only will savings be multiplied if every household replaces every ordinary light bulb with a CRL, but combined with other energy-saving products such as; clothes washers, refrigerators and home electronics their savings will be tremendous! The Alliance estimates that this and other regional programs will save over 460 aMW by 2010, enough to offset the need for building two new power plants in the NW region and taking approximately 600,000 cars off the road! Proper disposal of CFLs have been on the minds of many environmentalists for quite sometime. Currently, the Zero Waste Alliance, electric utilities and other environmental groups are working together researching opportunities for recycling. Although, CFLs contain a very small amount of mercury vapor, many environmentalists are concerned about recycling and proper disposal of CFLs. Their main concern is in 5 to 7 years from now, when the life of the CFL begins to fade. They want to encourage communities about proper disposal now, before large accumulations of CFLs end up in landfills. For the time being consumers can dispose of their CFLs with their household trash, along with other household materials such as paint, motor oil or batteries. Reprinted with permission from the Lynden Tribune/Record-Journal. Back to Top Northwest Leads the Nation in Energy Savings Effort Lynden Tribune/Record-Journal When it comes to buying more energy-efficient household products, the Northwest region is leading the charge. According to a recent report from the Northwest Energy Efficiency Alliance, Washington home owners are snapping up energy-efficient products and local retailers are experiencing the impact. In response, BPA residential customers got to work, conserving. Among other things the customers installed millions of low-energy, fluorescent light bulbs. The bigger message here? Big energy savings do not necessarily have to come from big industrial users. People, individual users in their homes, are a very important part of the environmental equation. " Nearly 80% of respondents in a survey of 152 independent and national retailers in the Northwest estimate an increase in sales of E NERGY S TAR ® qualified products over last year, the Alliance report said. Fourth quarter of 2001 sales data shows that the Northwest region ranked first in the nation for sales of qualified clothes washers with more than 30 percent market share. In Washington, nearly 32 percent of all clothes washers sold were E NERGY S TAR ® qualified - the second highest in the nation. "We're seeing a lot of interest from customers in E NERGY S TAR ® qualified clothes washers and that's sparking interest in other energy-efficient products, including dishwashers and refrigerators," said Dave Blankenship of Weir's Appliances in Tacoma. "As people replace home appliances, they're opting for the most energy-efficient models available." Sales of E NERGY S TAR ® qualified refrigerators also increased in the Northwest. Based on fourth quarter reports, Washington ranks sixth in the nation for sales of high efficiency refrigerators. The alliance also reported brisk sales and interest for E NERGY S TAR ® qualified lighting including compact fluorescent light bulbs (CFLs). Fourth quarter sales of CFLs in the Northwest were two million. The retailers who were surveyed said consumers are more energy conscious and seek long-term value and savings when purchasing appliances. Nearly all consumers express interest in the water savings features of E NERGY S TAR ® qualified clothes washers and dishwashers as well. According to the U.S. Environmental Protection Agency, when it comes to buying energy-efficient products, the Northwest is heading in the right direction. The voluntary E NERGY S TAR ® labeling program was created by the EPA and the Department of Energy to help consumers easily identify products that save energy, money and protect the environment. Manufactures play a major role in developing products that meet higher efficiency standards and utilities help encourage homeowners to be more energy efficient by offering rebates and incentives for switching to E NERGY S TAR ® qualified products. The cooperative effort is paying off. Experts estimate by using E NERGY S TAR ® qualified products, a typical household can cut its utility bills by 30 percent. If everyone in the U.S. used the products, the reduction in greenhouse gas emission would be equivalent to taking 14.5 million cars off the road each year. The national annual energy bill would be reduced by about $100 billion over the next decade. Local efficiency advocates say that while the increasing demand for E NERGY S TAR ® qualified clothes washers and refrigerators is a positive sign, there is still room for improvement. "It's clear that Northwest consumers understand the benefit of using more efficient clothes washer, refrigerators and lighting in their homes," said Margaret Gardner, executive director of the Northwest Energy Efficiency Alliance. "Now, the goal is to encourage them to take advantage of even greater savings by looking for and buying other E NERGY S TAR ® qualified products." By changing their shopping habits, Northwest homeowners can keep a little more change in their own pockets, say energy efficiency experts. Changing the way Americans shop and buy products is a part of the major new campaign called "Change," spearheaded by the Environmental Protection Agency. "Change" is calling on homeowners throughout the nation to help save money ad protect the environment by selecting and buying E NERGY S TAR ® qualified products. For a complete list of E NERGY S TAR ® qualified products, retailers, manufactures and energy savings information, call 1-888-373-2283 or log on to www.energystar.gov . The Northwest Energy Efficiency Alliance, a non-profit group of electric utilities, state governments, public interest groups and industry representatives, promotes the E NERGY S TAR ® label to Northwest consumers. By funding the Northwest E NERGY S TAR ® Home Products Program, the alliance is bringing affordable, energy-efficient products and services to the market, helping Northwest consumers realize long-term savings and protect the environment. Reprinted with permission from the Lynden Tribune/Record-Journal. Back to Top Energy Newsbriefs at CON.WEB CONWEB is the Pacific Northwest Energy Conservation & Renewable Energy Newsletter, reporting regional conservation news. National Leader ACEEE Study Lauds Oregon for Energy Efficiency, Green Building Tax Incentives Oregon is a national leader in using tax incentives to give energy-efficient products and green buildings a leg up in the marketplace, according to a new study by the American Council for an Energy-Efficient Economy. Oregon's residential and business income tax credit programs have "gained enthusiastic support from legislators, retailers, and manufacturers, as well as consumers," since they were established in response to the 1970s energy shortages, the study said. More news available at www.newsdata.com/enernet/conweb/conweb.html . Back to Top U.S. EPA E NERGY S TAR ® News Room E NERGY S TAR ® provides consumers with energy-efficient solutions that save money while protecting the environment for future generations. Find out what the media is saying about E NERGY S TAR ® at www.epa.gov/nrgystar/news.html Whitman Accepts Charles H. Percy Award For the E NERGY S TAR ® Program October 9, 2002 - U.S. Environmental Protection Agency Administrator Christie Whitman todaywas presented with the Charles H. Percy Award for public service by theAlliance to Save Energy. This award was given to EPA for establishing theE NERGY S TAR ® program, a public-private partnership that helps protect theenvironment while saving consumers money through energy efficiency. "Over the past decade, EPA's E NERGY S TAR ® program has grown from a voluntarycomputer labeling program to a partnership with over 7000 organizations,"said Whitman. "Last year alone, Americans, with the help of E NERGY S TAR ®,saved more than $5 billion in energy costs and reduced pollution equivalentto that of 10 million cars. We look forward to working together for the nextdecade to help consumers across the country have the information they needto make the best choices for their lives and for the environment." "In just a decade, the E NERGY S TAR ® program has grown in both depth andbreadth," said Alliance to Save Energy President David M. Nemtzow. "Now, notonly are many more products included in the program than at its launch in1992, but in addition, the E NERGY S TAR ® label is taking the energy efficiencymessage to consumers and businesses around the globe via partnerships withother governments. You can't get much better than a program that both savesconsumers money and protects the environment." Through the E NERGY S TAR ® program, EPA partnerships include over 1,200manufacturers labeling more than 13,000 products and over 1,600 buildersthat have constructed over 57,000 new homes. Through E NERGY S TAR ®, EPA hasalso helped thousands of businesses and schools rate their energy use. The typical American household spends about $1,300 a year on its energybills. By purchasing products that have earned EPA's E NERGY S TAR ® label,that bill could be cut by about 30 percent, which is a savings of about $400a year. The E NERGY S TAR ® label can now be found on more than 35 differentcategories including telephones, televisions, light bulbs and homeappliances such as dishwashers and refrigerators. By choosing E NERGY S TAR ®,there is no sacrifice in the features, style or comfort that today'sconsumers expect. As part of his National Energy Plan, President Bush called for increasedpublic awareness of the E NERGY S TAR ® program and its benefits to consumersand businesses. The President also called for the expansion of the programto provide the label for additional building types including grocery stores,hospitals and hotels. EPA established E NERGY S TAR ® in 1992 to offer energy-saving andpollution-preventing solutions for consumers and businesses by awardinglabels to the most energy efficient products, homes and buildings. EPApartnered with the U.S. Department of Energy in 1996 to promote the ENERGYSTAR label, with each agency taking responsibility for particular productcategories. For more information about the E NERGY S TAR ® program visit: www.energystar.gov . Back to Top E NERGY S TAR ® Helps America Keep Cool This Summer Cooling Solutions that Save Energy, Money, and Protect the Environment Homeowners across the nation have been challenged by E NERGY S TAR ®, a program sponsored by the U.S. Environmental Protection Agency (EPA) and supported by the Department of Energy, to make smart cooling choices at home this summer, use energy more efficiently, and help reduce air pollution. Working closely with businesses and utilities, E NERGY S TAR ® launched a consumer-education campaign, called Cool Change. This campaign raises American's awareness of their cooling system - encouraging homeowners to use energy-efficient equipment, tightly seal their ducts, properly maintain their cooling system, and have a well-sealed and insulated home. According to the EPA, Americans spend as much as half of their energy bills to cool and heat their homes throughout the year. To make it easy for consumers to make a Cool Change this summer, E NERGY S TAR ®'s partners are offering incentives, such as rebates and sales. For a complete list of special deals, visit www.energystar.gov/coolchange . "E NERGY S TAR ® is a great way for each of us to make a change - one that will protect the environment, save money, and achieve energy efficiency," said EPA Administrator Christie Whitman. "I encourage all Americans to follow our recommendations for energy efficiency and join our campaign for change." The EPA estimates that if just one household in 10 participated in Cool Change and used E NERGY S TAR ® labeled heating and cooling products, the change would reduce electricity production enough to keep 17 billion pounds of pollution out of the air this year. To help consumers identify easy ways to avoid energy-waste this summer, the EPA released the following tips: Out with the old, in with the new. If your central air conditioning equipment is more than 10 years old, it is probably time for a replacement - new cooling equipment that has earned the E NERGY S TAR ® label can keep you just as or more comfortable, while using 25 to 40 percent less energy than 10-year-old models. Replacing old ceiling fans and dehumidifiers with new E NERGY S TAR ® labeled models can also help to lower your energy bills and keep your home comfortable. Seal it up. Seal your ducts to distribute cool air where it needs to go and improve the indoor air quality of your home. Keep the cool air in by adding insulation to your home, weather-stripping and caulking, and choosing E NERGY S TAR ® labeled windows when replacing old windows. Make a smart purchase. When replacing central and room air conditioning equipment, make sure it is properly sized and installed. Bigger is not always better, and equipment that is too large can lead to high energy costs and reduced comfort. Find problems before they occur. If your cooling equipment needs frequent repairs and your bills are increasing, it could mean your equipment is becoming less efficient. E NERGY S TAR ® recommends having an annual maintenance check-up by a certified professional. Put your home to the test. Find out how you can make energy-efficient improvements to your home with the Home Improvement Toolbox. Visit www.energystar.gov and click on "Put your home to the test." E NERGY S TAR ®, the nation's symbol for energy efficiency, enables consumers to easily identify energy-efficient appliances, electronics, office equipment, lighting, heating and cooling equipment, buildings, and even new homes. For more information about E NERGY S TAR ® and the Cool Change consumer-education campaign, visit www.energystar.gov/coolchange or call 1-888-STAR-YES (1-888-782-7937). FOR MORE INFORMATION: Wendy Reed, 202-564-1253, or email her at Reed.Wendy@epa.gov or Phillip Hayes, 202-944-1933. Back to Top What is E NERGY S TAR ® ? E NERGY S TAR ®-qualified bulbs and fixtures provide high quality light output,warm or cool tones, are efficient and long-lasting, and save them money overthe life of the bulb or fixture. There are numerous compact fluorescentlights (CFLs) in the market, but only E NERGY S TAR ® qualified CFLs canguarantee top-notch performance. E NERGY S TAR ® CFLs last up to ten timeslonger than incandescent bulbs and use up to 75% less electricity as well. E NERGY S TAR ® was introduced by the US Environmental Protection Agency in 1992as a voluntary labeling program designed to identify and promoteenergy-efficient products, in order to reduce carbon dioxide emissions. EPApartnered with the US Department of Energy in 1996 to promote the E NERGY S TAR ®label, with each agency taking responsibility for particular productcategories. E NERGY S TAR ® has expanded to cover new homes, most of thebuildings sector, residential heating and cooling equipment, majorappliances, office equipment, lighting, consumer electronics, and moreproduct areas. Please visit www.energystar.gov .

sell house Courtney Love

Celeb Gossip Courtney Love: Broke Courtney Love to sell house Search Shop catalog Entertainment Discussion Board Galleries Gaming Sports Bizarre News Mens Fashion Celebrity Gossip Competitions Entertainment News DVD Reviews Movie Reviews Music Reviews Travel Business Health News Mens Lifestyle Top 5 Movie 1. The Chronicles of Narnia: The Lion, The Witch and The Wardrobe 2. Harry Potter and the Globet of Fire 3. Flightplan 4. Keeping Mum 5. The Exorcism of Emily Rose Top 5 Music 1. Eminem - Curtain Call The Hits 2. Robbie Williams - Intensive Care 3. Westlife - Face to Face 4. James Blunt - Back to Bedlam 5. Il Divo - Ancora Broke Courtney Love to sell house Courtney Love is to auction off an historic home she bought eight years ago to pay off her mounting debts. The troubled rocker - who has had a turbulent year battling drug addictions and has repeatedly landed herself in trouble with the law - bought the lavish bungalow for her family in 1997. Love now owes around $367,000 on the property - which is located on 13 acres on land at the edge of Capitol Forest in Arkansas and was built in 1903 - and is set to auction it off in the New Year to cover the outstanding the loan on the home and any legal fees. The bungalow is currently being occupied by Cobain's sister, Kim, according to sheriff's records, according to America's New York Post. All monies raised from the sale will go directly to the WMC Mortgage Corp. of Los Angeles, which filed for foreclosure in the Superior Court this month. ** Article Continues Below ** ** The Courtney Love article continues now ** Earlier this week, it was reported Love wants to sell her rights to the Nirvana back catalogue because she is gong broke. The wild star is on the verge of bankruptcy and is hoping to cash in on the extensive collection of songs - which includes classic tracks 'Smells Like Teen Spirit', 'Come As You Are' and 'All Apologies'. According to a report in America's New York Post newspaper, Love is looking for $100 million for her rights to the music. More Courtney Love News Courtney Love Sells Home Broke Courtney Love to sell house Courtney Love to sell Nirvana rights Courtney Love gropes porn star's boobs Courtney Love's brainy lust Courtney Love in pregnancy riddle Courtney Love's Hospital Sex With Kurt Cobain Courtney Love's cover up Courtney Love Used Aged 4 - Linda Carroll Courtney Love 'Speaking Frances Could Have Saved Kurt' Courtney Love's mother reveals daughter's childhood Courtney Love In New Lawsuit Courtney's lesbian love plea Courtney Love In Danger Of Eviction Courtney Love says the baby is definitely Steve Coogan's Barbie Love Courtney Love Denies Pregnancy Claims Courtney Love Ordered Into Rehab Amid Pregnancy Reports Courtney Love Dating Steve Coogan Courtney Love's parole violation accusations Courtney Love slams Dave Grohl Courney Love Progressing Well Courtney Love rushed to hospital Faint Courtney Love Admitted To Hospital Clean Courtney Love Courtney Love and Jerry Cantrell Collaboration Courtney Love set to play porn actress Courney Love In Legal Deadline Over Unpaid Bills Courtney Love wins back custody of daughter Courtney Love Sells House In Bid To Win Daughters Custody Courtney Love to cover debts with tell all book Courtney Love's vicious attack on a rock singer Love pleads guilty in New York court 1 2 Next For more of today's celebrity gossip click here ** Chat about this at our discussion board MaleFirst.co.uk takes no responsibility for the content or accuracy of stories.The content is licensed from BANG © 2005 and published for the entertainment of our users only.This story does not represent Malefirst.co.uk's opinions nor can we guarantee thatBANG reporting is completely factual. Please address any inquiries regarding the content of this story to BANG Chat with other members | Structure | Lingerie | Womens Chat | Advertise | ShoppingFirst.co.uk | FemaleFirst.co.uk | CoolBriefs.com | Terms & Conditions | About Us | Contact Us Server: web2 2005 Malefirst Division of Play-2-Win Ltd all rights reserved

Home Loans FAQ Home

HDFC : Home Loan FAQs - Your Complaint - Your Questions - FAQs - Sitemap Search : Newsroom Home Page FAQs Home Loans FAQ Home Loans FAQs Non-Resident Indian FAQs Variable Rate Deposits FAQs HDFC Home Loans FAQs -- How will HDFC decide my home loan eligibility? We assess the customers repayment capacity while deciding on the home loan eligibility. Repayment capacity is based on factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation and savings history. And, of course, our main concern is to make sure that you can comfortably repay the loan amount. To get an indicative eligibility please click here: Loan Calculator Back to top --What are the different interest rate options you offer? We offer the following loan options Adjustable Rate Home Loans Fixed Rate without money market conditions with money market conditions 2-in-1 Home Loans Back to top --How do I apply for the loan? HDFC Home Line HDFC Office Locator Apply Online SMS HDFCHOME to 6767 Back to top --Can HDFC assist me in selecting accommodation of my choice? We can assist you in finding the property of your choice. For information on this service, do contact our Property Services . Back to top --What Documents do you need for a loan approval ? Click here for List of Documents . Back to top --What is an EMI? You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take full disbursement. EMI Calculator Back to top --What is pre-EMI interest? Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement upto the date of commencement of EMI. Back to top --What is Tranche Based EMI repayment option ? To help customers save pre-EMI interest, we have introduced a special facility of Tranche Based EMI. For under construction properties customers can choose the instalments they wish to pay, till the time the property is ready for possession. Anything paid over and above the interest by the customer goes towards Principal repayment. The customer benefits by starting EMI and hence repays the loan faster. Back to top --Can I repay my loan ahead of schedule? Yes, you can repay the loan ahead of schedule by making Lumpsum payments or choose our accelerated repayment scheme . There are NO charges for choosing an accelerated repayment scheme and for lumpsum payments under Adjustable Rate Home Loan. There are no prepayment charges under fixed rate loans for prepayments less than 25% of the opening loan amount outstanding in a financial year. Prepayment charges are applicable under Fixed and Adjustable Rate Home Loan for prepayment through a refinance from other bank or institution. For further details please contact our Loan Counsellor. Back to top --Do I get a tax benefit on the loan? Yes. Resident Indians are eligible for certain tax benefits on principal and interest components of a loan under the Income Tax Act, 1961. Interest repayment of Rs. 1,50,000 p.a. can get you a tax saving upto about Rs. 47,250 p.a. Moreover, you can get added tax benefits under Sec 80 C on repayment of principal amount upto Rs. 1,00,000 p.a. that can further reduce your tax liability by about Rs. 30,000 p.a. Back to top --What security will I have to provide? The security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be additionally required, if the property is under construction. Collateral or interim security could be assignment to HDFC of life insurance policies, the surrender value of which is at least equal to the loan amount, guarantees from sound and solvent guarantors, pledge of shares and such other investments that are acceptable to HDFC. Please do ensure that the title to the property is clear, marketable and free from encumbrance. To elaborate, there should not be any existing mortgage, loan or litigation, which is likely to affect the title to the property adversely. Back to top --Does the Agreement for Sale have to be registered? In many states in India, the Agreement for Sale between the builder and purchaser is required by law to be registered. You are advised, in your own interest to lodge the Agreement for registration within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908. Back to top --Are there any restrictions on transfer of immovable properties? In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value and as such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein. Back to top --Will HDFC finance persons of Indian origin holding foreign passports? As per current guidelines of the Reserve Bank of India persons of Indian origin holding foreign passports are eligible for loans with HDFC. Back to top --How is my loan reassessed if there is a change in status from Non-Resident Indian to Resident Indian? The repayment capacity of the applicant(s) based on Resident status is reassessed and a revised repayment schedule worked out. The new rate of interest will be as per the currently applicable rate of Resident Indian loans (for that specific loan product). This revised rate of interest would be applicable on the outstanding balance being converted. A letter is given to the customer confirming the change of status. Back to top --Are these policies subject to change? Yes. These policies will be reviewed periodically. Back to top Suggestions Tell a Friend Print this Page -- Frequently Asked Questions HDFC Bank | HDFC Mutual Fund | HDFC Standard Life | HDFC Securities | HDFC Realty | HDFC Chubb | Intelenet Global | CIBIL Disclaimer 1999 Housing Development Finance Corporation Limited. Site Designed & Developed by IL&FS Infotech Limited .