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A Few Methods To Save Money By Utilizing Green Energy At Home

Posted on 28 August 2010 by admin

Green energy is great for the environment, but let’s not miss the juicy facet of making it, too. These days it being upwards of $3000 to have pro solar cells built and installed. But today you may find a number of guides which detail exactly how to shape your own entirely working solar cells on a budget using everyday inexpensive materials. More on that later, for the moment let’s cover 5 ways to create cash from green energy.

Power and water bills – The common American family monthly use bill runs about $200. That works out to be more or less $2500 a year that you are spending on electrical energy alone. Imagine having your private completely functional solar cells supplying your home with natural replaceable energy for free. Now imagine having an additional $2500 in your annual budget. Who could not use that? Tax cuts – the governing body is exceedingly generous to those that embrace green energy today. The reason being because natural energy is a great amount less costly for the government as it cuts back on our limited energy consumption.

The IRS issues these folks tax subsidies for doing so keep this under consideration as one of the money incentives of using green energy. Home price – Ask your realtor about this but having solar cells on your home significantly gains the value of your home. Think this when it is time to sell your home because other homeowners are on the lookout for a home that may save them money if they can get it just as you are. Plethora of Energy – Some folks go on to construct multiple solar cells to enormously increase their green energy output.

Why do you want to do this?  Because for every bit of green energy which you create but don’t use you can sell it back to the power company for a profit as the regime subsidizes them to do this. It’s totally up to you as to how much green energy which you create and cash you make from it.

Many homeowners bring in an exceedingly whole second revenue this way as more folk are learning out about this. Best of all is that it’s totally automated revenue for life and you do not have to do a thing beyond placing together the cells over the course of an good afternoon.

Learn to Generate Free Energy At Home using sunlight and wind energy, Click Here to slash 50% off your electricity bill with free energy guide.

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Taxpayersâ money

Posted on 26 August 2010 by admin

Taxpayersâ money
When a state-owned corporation is in trouble, it is taxpayers that are called on to come to its rescue. LH Corp., a leading state-invested corporation with an astronomical amount of debt, is demanding …..

Read more on Asia News Network

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Plug and Play Solar Kits That Save You Money on Your Electricity Bill

Posted on 25 August 2010 by admin

As of 2010, the nation is facing two enormous challenges; the state of the economy and the energy crisis. If we are to lift our dependence on foreign oil, renewable energy has to play a big part. Solar power will play an incredibly large role in moving this nation forward to a renewable energy future. Luckily, homeowners can now adopt solar power with plug and play solar kits that take advantage of the power of the sun.

Plug and play solar kits are one way to tap the power of the sun. If you live in a sunbelt state such as California or Nevada, there are plenty of government subsidies and tax incentives you can take advantage of to lower the initial costs of a solar system. You can have your own solar kit up and running in no time even if you do not have building skills.

Most solar kits come with high grade solar cells, tabbing wire, and flux pens that allow you to build your own solar panel. The solar panel can be used a wide number of ways including power rvs, boats, camping trips, as well as the obvious application to home electricity. If you are to tie your electricity to your home, make sure that you check with your local utility. Many utilities will not allow you to tie the electricity to your grid as the infrastructure may not be put in place.

When purchasing a solar kit, make sure that you buy high quality solar cells. Solar cells vary widely in efficiency ranging from 15% to as much as 24% for the highest quality solar cells. Foreign manufacturers are now developing high quality cells at an extremely affordable price now. Electricity from the sun is no longer a luxury afforded solely to the rich. You will find that more and more people in your neighborhood will have a plug and play solar kit installed in the near future.

One of the biggest reasons why people install solar panel systems on their roofs is to cut their monthly electricity bills. In fact, if you produce enough solar electricity in peak hours, you can sell the electricity back to your utility. This requires that you have smart meters that monitor two way electricity flow. People have found that their savings and profits, that a solar panel system pays itself off over as little as two years.

You can save thousands of dollars by building a solar panel system at home with a plug and play solar kit.

Click Here For a FREE Ebook on How To Your Own Home Solar Panels

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“Where Does the Money Go?” National Debt – Bill Moyers

Posted on 17 August 2010 by admin


Made BEFORE the current crisis, more scary now. Scott Bittle and Jean Johnson discuss their book, “Where Does the Money Go?” and the mounting debt and deficit of America. They offer an estimate of the time until the failure of Medicare and Social Security, and general suggestions to address this problem. See IOUSA the movie, visit the YouTube site www.youtube.com See also Health care reform, a look at successful systems of Taiwan and Switzerland, probably acceptable to US, and similar to some existing US models. www.youtube.com Farm Subsidies: Welfare To The Wealthy, Costs You Billions www.youtube.com WELFARE for the Wealthy, as US Poverty, Hunger Increase www.youtube.com Fall of Rome vs Failure of American Politics and Economy www.youtube.com PBS Bill Moyers’ personal take on Karl Rove www.youtube.com Iraq Cost Accounting, Bill Moyers www.youtube.com Earmarks, Washington Contributions, Corruption, Moyers pt1 www.youtube.com John McCain on earmarks www.youtube.com www.youtube.com Free Lunch, Corp Welfare, Bill Moyers and David Cay Johnston www.youtube.com John C. Bogel and Moyers, Capitalism and Democracy Pt 1 www.youtube.com 60 Minutes segment, third world charities providing healthcare for American working poor www.cbsnews.com Visit the PBS archives to see the complete show and more of Bill Moyers. www.pbs.org

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Here’s How you Can Choose a Home Loan Wisely and Save Money

Posted on 22 July 2010 by admin

Copyright (c) 2007 Dennis Ng

There are more than 112 different Housing Loan packages in the market. What are the things you should watch out for in shopping for the Best and most suitable Home Loan for yourself? Fret not, below we share with you some Useful Tips on Home Loan Shopping

What is the penalty period of the loan package? For instance if you’re likely to sell this property within the next 2 years, you might want to choose a Housing Loan package with a short lock-in period of say, 1 year or no lock-in period at all.

What is the chance of selling the property before the property receives Temporary Occupation Permit (TOP) or before the loan is fully disbursed? If you may sell off the property before the loan is fully disbursed, you might want to look for a Housing Loan package with a lower cancellation fee. Low cancellation fee is a especially important feature to property speculators who typically sell the property within a short holding period.

What is your view on Interest Rate trend in the next 2 years?

If you’re of the view that interest rates have peaked and are unlikely to go up in the next 2 years and may even drop, you may want to choose a Floating Rate Housing Loan package rather than a Fixed Rate Housing Loan package. You can also consider choosing a package whereby interest rates are tied to Swap Offer rate or Inter-bank Offer Rate, whereby any drop in interest rates would be translated into lower interest rates on your Housing Loan. Because sometimes even when inter-bank offer rates drop, bank might not adjust the interest rates on their Housing Loan downwards.

Any flexibility on partial repayment?

Some packages impose penalty charges on any partial repayment within the lock-in period. If you’re likely to make partial repayment in the next 2 years, you may want to choose a package that allows partial repayment without penalty fee.

What is the best duration for home loan?

Typically, the longer the loan period, the more interest you end up paying. As a general guide, do not stretch loan period to more than 25 years. For loan period that stretches beyond 25 years, say 35 years, you would end up paying much more interest compared to a loan of 25 years.

Let us illustrate with an example, whereby loan amount is S$300,000 and average annual interest rate of 4% on the Housing Loan:

In this example, if the loan period is 20 years, monthly instalment is S$1,817.94. On the other hand, if the loan period is stretched to 25 years, monthly instalment is reduced by $234.43 to $1,583.51, and total interest paid increased by about $42,240.93. However, when loan period is stretched a further 10 years to 35 years, loan instalment is only reduced by S$255.19 only, while total interest paid increased by $75,600.27.

Loan Period 20 25 30 35

Monthly instalment $1,817.94 $1,583.51 $1,432.25 $1,328.32

Total interest over loan period $138,529.77 $177,770.70 $218,895.28 $253,370.97

Another way to plan the duration of a Home Loan is not to stretch loan period beyond your retirement age. For instance, if you plan to retire at age 60, you should not be taking a loan period that stretches till you’re age 65 or 70.

What is the difference in interest rates for mortgages for property under construction vs completed property?

Currently, there is not much difference in interest rates for Housing Loans whether for completed property vis-a-vis property under construction. In fact, some banks offer the same packages whether for completed or properties under construction.

What are the refinancing penalities and costs, and under what circumstances should a borrower consider refinancing?

If your Home Loan is out of the lock-in period, the only cost of refinancing is only possibly legal cost of refinancing. Typically, Banks provide legal subsidy. Thus, depending on the loan amount outstanding, the full legal cost of refinancing maybe fully subsidized by bank and cost of refinancing can be zero!

If your Home Loan is still within the lock-in period, we will help you to calculate whether the interest savings by refinancing into another Housing Loan package which offers lower interest rates is more than enough to offset cost of refinancing, which may include repayment penalty and refund of legal subsidy.

The interest savings you enjoy on refinancing can work out to a tidy sum of tens of thousands of dollars. Thus, it really pays to choose a Home Loan right. With the above tips we share on choosing a Home Loan, you are almost assured of choosing the right Housing Loan package that suits your needs and helps you save money.

Dennis is a Certified Financial Planner and has 15 years of bank lending experience. He founded http://www.HousingLoanSG.com – a Leading Mortgage Consultancy Portal in Singapore. He is known as a Housing Loan Expert and is often quoted in newspapers for comments on Housing Loans. Please send your comments to dennis@housingloansg.com or call him at +65 6737 8801

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Goldman Execs Grilled for Taking Bailout Money

Posted on 02 July 2010 by admin

Goldman Execs Grilled for Taking Bailout Money
CFO Tells Investigative Panel that Firm Has No Regrets Recovering Billions in Debt from Crippled AIG

Read more on CBS News

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Money Cost is King Large vs. Small in the Biodiesel Processor World

Posted on 11 June 2010 by admin

Biodiesel producers are debating money cost in the biodiesel processor world vigorously. Why you say? What saves more money while maintaining maximum production? This is why investors are now considering building 5 – 1million gallon biodiesel plants vs.  1 – 5million gallon plant to save money cost.

Look at the potential cost investors must consider before opening a biodiesel processing plant: Market availability, cost of transportation, raw feedstock availability, cost of construction and contracting. Variable costs, including permits, utilities, bonds, waste disposal, and property rent. Local tax rates, Qualitative Employee Satisfaction, real estate availability cost are all things you have to consider when starting a new biodiesel processing plant.

Some processors will spend approximately $78 million on a single plant, and $45 million of the cost is associated with holding tanks and distribution infrastructure. Only $30 million goes to equipment for processing fuel. Put another way, that’s 30 cents per gallon in capital equipment for producing fuel.

Cost is king in the biodiesel world. Biodiesel comes from plant matter or animal fat from farms in various parts of the world. Regular diesel comes from deep holes in exotic locales like Nigeria Africa, and exploration costs have been climbing.

Biodiesel refiners, however, have to contend with high commodity prices. It takes 7.35 pounds of degummed soybean oil to make 1 gallon of biodiesel, according to a professor at the University of Minnesota. (Vegetable oil is measured in pounds at wholesale.) And vegetable oil has been rising in price. Options on soybean oil futures, for instance, are selling for around 37 cents a pound. Thus, the raw material alone can cost more than $2.50 a gallon, above the wholesale price of refined, regular diesel. That now hovers around $2.40 per gallon. Without the federal subsidy (the federal government gives subsidies of 50 cents per gallon for used oil and animal fat and $1.00 a gallon for fresh oil) most biodiesel manufacturers would lose money.

Keeping biodiesel capital costs down, therefore, is a big issue for these companies. Despite all the risks, industrial giants like ConocoPhillips, Tyson Foods, ChevronTexaco and Standard Renewable Energy are all jumping into the market because of rising demand and increasingly stringent emissions requirements.

But smaller investors have a newer plan; why not locate 5 smaller plants in a region or state nearer your customers or feedstock sources? You can purchase a small commercial biodiesel plant that produces 2.3 gallons per year for $50,000 from companies like Biodiesel-Equipment.com and link them together digitally to monitor their production. The thought process is if you need to reduce production you can easily when business is not so good, and you can increase production easily because of the small size of the plants. With the right business model these smaller plants could potentially be franchised. Smaller cost to maintain larger production.

This is a great David vs. Goliath story where the smaller biodiesel biomass company will defeat the larger one by being the most nimble and cunning with its resources.

Victor Garlington has been a long proponent of bio-fuels and produces bio-fuel for his own vehicles. He is currently helping others discover alternative fuels as a solution to high fuel prices. He can be contacted at victor@70centsagallon.com

http://www.70centsagallon.com/index.html

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Can Solar Panels Save You Money?

Posted on 07 June 2010 by admin

As the prices of oil and gas continues to go up and up, the installation of solar panels is giving many families solace and stability. The sun offers an almost infinite source of energy. No wonder so many people are rushing to install solar panels. Indeed, their popularity is increasing so rapidly that manufacturers of solar panels are having difficulty keeping up with demand.

* Two Types Of Solar Panels

Predominantly, solar panels come in two types. There are solar energy panels in the form of ’solar thermal collectors’. These focus solar energy into a liquid medium, usually water, heating the liquid that is then utilized as and where it is required. The other of the two types of solar panels is known as the photovoltaic module. These solar panels convert the sun’s energy into electricity, which can then be distributed immediately or stored within a battery to be used later.

Solar panels have been commonplace for decades. Think of calculators and watches. Many swimming pools have been heated using solar panels for years. These days, the electricity to homes and offices often comes from the cleaner alternative energy source of bigger, better, more efficient solar panels.

The influence of solar panels has spread so wide that even the National Grid take some of their power from solar energy panels.

* How Do Solar Panels Work?

Both photovoltaic (PV) and solar thermal solar panels are made of special materials, most frequently silicon. They act as semiconductors. When sunlight hits the solar energy panels, some of the energy is absorbed within the semiconductor material. That energy knocks electrons within the silicon loose, allowing them to flow freely.

Once the electric fields within solar panels are freed by light energy, they force electrons to flow in one specific way. This flow of electrons is also known as a current. By simply placing metal contacts on the top and bottom of the solar energy panels, the current can be drawn off as electricity to be used externally.

The solar panels have built-in electric fields that, when combined with the current described above, will give us what we call a wattage. We use this to describe the power of our solar energy panels.

Why Solar Panels?

There are lots of great reasons to install solar panels in your house. Top of the list is the huge savings you will make on your utility bills. Many people feel good that they are reducing their carbon footprint. Solar panels give off almost zero carbon dioxide emission. Solar panels reduce our carbon dioxide emissions by approximately 1.2 million tonnes per annum.

Another benefit is the freedom of not being tied to the National Grid. With solar panels fully fitted, power cuts and unexpectedly increased electricity bills become a thing of the past.

Solar panels are perfect for those living in remote areas with limited coverage by the National Grid.

* Installing Solar Panels On Your Home

Though there are some very good guides to making your own solar panels and then installing them into your home on a DIY basis, it is advisable to seek out a professional solar panels installation company. Ideally, the installers of your solar panels should be certified by the Low Carbon Buildings Program.

It is not advisable to try to install solar panels without full training. Make certain that your solar panels conform to the local standards laid out by the authorities there. There is a number of complex technical electrical issues to be resolved as well as full safety codes required.

Because of their weight, solar panels often need to be attached to a separate roofing support system.

Professional installers of solar panels should have gone through all the red tape and complicated issues so you don’t have to.

* Getting Planning Permission For Solar Panels Installation

Solar panels are most frequently fitted to the roof or along an external wall of the home. Be sure to check with the local council before doing this. The local authorities in most countries agree that it is acceptable to install roof mounted solar panels. Some places do require detailed listed criteria though.

In England, for example, solar panels of up to 100mm in depth can be laid across a tilted roof without requiring planning permission. In Scotland, Wales and Northern Ireland the local authorities have not finalized their legislation relating to solar energy panel, so be sure to check before you go rushing in.

*The Outlook For Solar Panels

As people become more and more aware of global warming and climate change, so the demand for good quality solar panels is increasing. The momentum among people is to move away from old-school fossil fuels in favor of alternative, more sustainable energy options. These include hydrogen, hydro-electricity, solar power, wind and wave.

Solar power is one of the most bountiful of the possible energy supplies that we have here on Planet Earth. As the technology behind solar panels improves in terms of their efficiency, so the cost of installing solar panels is falling. When added to a range of governmental subsidies, tax credits, rebates and grants, the widespread installation of solar panels onto the average householder’s roof is becoming more and more realistic. As the prices are falling further thanks to local competition in the marketplace, so, it would seem that the future of solar panels is very bright indeed.

Sam Deane has been around the world in his role as a travel magazine editor and publisher, life coach and trainer. Nowadays, he is an authority on solar panels, running an important and lively blog about solar power. http://www.gosolarpowerforhomes.com

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Free Government Money- Part 1

Posted on 06 June 2010 by admin

Our Government makes hundreds of different federal programs available to distribute billions of dollars to us in the form of government grants, low interest loans, and subsidies. The money is then appropriated by politicians who are smart enough to know that the best way to keep their jobs is by funneling Government money into the communities they serve. That’s where we can step up and reclaim our money by using the government programs this money is attached to.

It’s Our Money Anyway

I say reclaim because it’s our money in the first place. The Government takes the money from us in the form of taxes, then gives it back to us in the form of government grants, low interest loans, and subsidies. Here’s the kicker… The Government only gives the money back to the people who learn how to get it. You have to learn how to ask for it! If you can follow instructions on an application, the chances are pretty good that you can get a grant for something.

Free Money for Almost Anything

Do you have an idea for a business? Would you like to invent something? Do you need help with living expenses? Want to change your career? Want to buy or fix up real estate? There is Government, Corporate or Foundation money that can help.

There is free government money for just about anything. How about $30,000 to tag Grizzly Bears. Not that daring? How about $96,000 to study fish. Or $43,000 to become a French Chef. Or over $148,000 to rehab an apartment building. Sound too good to be true? Well, it’s not. There are far greater stories.

Uncle Sam Can Be Your Very Generous Partner!

You have to see the bigger picture. To us real estate investors, Uncle Sam is our best friend and a great financial supporter. If you’re a beginning investor, Uncle Sam’s going to help you by guaranteeing that you get a decent loan to buy your first house or apartment building. There are many first time homebuyer programs that were created for that purpose.

If you’re having trouble coming up with enough money for a down payment, he makes it possible for you to buy with a 3% down payment (FHA), or a 0% down payment (VA). Then he makes the IRS give us a lot of tax breaks because we now own property. He even helps people in areas where people have trouble paying their rent under the Section 8 Subsidy Program. Our partner, the American Government encourages us to keep America strong by using these government programs. When you learn how to use these programs, the financial rewards can be substantial.

Just ask Alice George from Baltimore, Maryland. Alice applied for a Community Development Block Loan to repair her house. She received over $57,000 to make her repairs and was done with it all in 4 months.
Alice was happy that her rehab went well, but she had another big reason to be thrilled beyond belief. She qualified to have her Community Development Block Loan converted into a Grant! Free money from the government.

Stay tuned. In the upcoming “Part 2″, I’ll discuss ways to get the Government to help you make money.

I invite you to learn more about Abandoned Properties and get a FREE Real Estate Investing audio CD titled “How To Get Rich In A Slow Real Estate Market” by going to http://www.reggiebrooks.com

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Free Government Money- Part 2

Posted on 25 May 2010 by admin

Let the Government Help You to Make Money

Of the many different types of financial assistance available to us, I especially like the Rental Rehab Loan Program. Here how it worked for me. Several years ago, I purchased a four unit building that had my friends wondering if I had lost my mind. The units were one bedroom, one bathroom each, and were inhabited by four elderly ladies who had been living there from 21 to 24 years.

The problem was that their rent had never been raised! The total income from that building was around $460 per month! FOR THE ENTIRE BUILDING!! No, I’m not crazy. I did my homework and I found a Government program called the Rental Rehab Loan Program. The program required that I borrow at least $5000 to be used for upgrades in the building. The benefit to me was that I received the money at a very low interest rate, and (much more importantly) the tenants would qualify to go on the Section 8 Government Subsidy Program!

A Great Win-Win-Win Deal

All four of my elderly tenants were existing on a very meager social security income. They lived in the fear that whoever buys the building will want to raise the rent. They knew that the market rent was around $625 per month, and they knew that they could not afford it. They all thought that they’d end up homeless on the streets. They had no idea that these wonderful Government programs existed. I borrowing as close to $5000 as I could (I wanted to maximize my cash flow), and started the work on the property.

When it was all over, I ended up with a really nice building with 4 wonderful senior citizens as tenants. I increased the income from the building from $460 per month to around $2600 per month thanks to my partner, Uncle Sam.

Everyone Was a Winner

Everyone won in this deal. The Government won because they were able to get the money out into the community where it could do some good. The tenants won because they were able to stay in the homes they’ve been in for over 20 years. They actually ended up paying less toward their rent because of the Section 8 Subsidy. I obviously won because I was able to take a non-performing piece of property and turn it into a success. Thank you, Uncle Sam!

Do I Need To Have Good Credit?

That depends on which of the many programs you’re applying for. There are some programs that are project based. In other words, if your project fits a certain category, the project itself can qualify for the money. It could be the real estate, the area, the tenants, or the business that qualifies, not you personally. If it’s a program that requires you to personally qualify, then your credit can become a factor. But understand this. There are programs that are designed for people with bad credit. There are even programs that require you to be turned down by a bank before you can qualify for the money!

Stay tuned. In the upcoming “Part 3″, I’ll discuss ways to go about getting this free money and resources that can help.

I invite you to learn more about Abandoned Properties and get a FREE Real Estate Investing audio CD titled “How To Get Rich In A Slow Real Estate Market” by going to http://www.reggiebrooks.com

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