Monthly Archives: August 2013

Heat wave wilts AC units

Contractors, Insurance Adjusters Reminded of Importance of Installing Matched AC/Heat Pump Systems in Hurricane Sandy Aftermath

The older units particularly start to stress. You get stress on the compressor. You get stress on the capacitors when they’re running that long.” Nuesse replaced Saunders’ busted capacitor for less than a hundred dollars. Elle Duncan works in our newsroom. When her AC blew Saturday at her Midtown loft, she bought a portable unit as a stopgap.
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San Diego Heating and A/C Company Announces Summer Rebates on Lennox Home Comfort Systems

The Lennox systems give homeowners the latest in energy efficiency and technology to save on monthly utility bills,” added Anderson. “In addition, we have great financing packages available so if the homeowner needs a new heating or cooling system, this is definitely the time to buy,” said Anderson. “This special offer ends on August 23, 2013 for these wonderful Lennox systems. Book an appointment with us and we’ll send out our expert team to evaluate your home and assess the type of heating or A/C system that would work best. Our expert technicians can evaluate exactly what will work best in your particular home.
Full text here: San Diego Heating and A/C Company Announces Summer Rebates on Lennox Home Comfort Systems

As of 2006, all newly manufactured central air conditioners and heat pumps must achieve a minimum SEER of 13. Many units damaged in the storm were installed prior to 2006 and thus are likely to be less efficient than 13 SEER. If a unit is rated at less than 13 SEER, both the indoor and outdoor units must be replaced with a system that is designed to work together efficiently. In fact, improperly matched indoor and outdoor units can create undue stress on a cooling system, dramatically reducing efficiency (such systems are at least 30 percent less efficient) and resulting in an unnecessary, premature failure. Furthermore, when installing a new system that uses a non-ozone depleting hydrofluorocarbon (HFC) refrigerant (typically R-410A), the indoor and outdoor units must be properly matched or the system will prematurely fail. Ask for a Certificate of Product PerformanceA qualified heat and air conditioning repair contractor will verify the system being installed is properly matched and achieves a certified energy efficiency rating by providing a homeowner with a Certified Reference Number, or a Certificate of Certified Product Performance.
Full text here: Contractors, Insurance Adjusters Reminded of Importance of Installing Matched AC/Heat Pump Systems in Hurricane Sandy Aftermath

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Glass shower door an attractive and safe choice

This luxurious shower design by Century Bathworks, Inc., features a custom Century Frameless steam shower door in brushed bronze, shown with an optional towel bar, robe hook and steam vent.

Plus, todays shower doors are manufactured using tempered glass. Its tough to break, and if it does, there arent any sharp, jagged edges, just pebble-size pieces that pose little risk. Tempered glass is mandated in most localities by code, so that you must use it to pass inspection. Door Types There are basically two types of shower doors – framed (in aluminum or enameled metal) and frameless. Both come in many standard sizes and configurations, though they can be custom-made to fit any application. Within these two categories, you can choose between doors that slide from side to side (also called “bypass doors”); space-saving pivot doors, which operate without hinges; or rounded or angled doors, suitable for small bathrooms or tight corners.
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Shower Door Glass Thickness Matters

This manufacturing defect is a ticking time bomb. Faster than an eye blink the entire piece of glass is obliterated into a thousand pieces and then it drops. We checked with the Consumer Product Safety Commission and more than 60-complaints since 2004 involve reports of injuries, surgeries and settlements because of exploding shower doors. Meshulam believes there are thousands more unreported cases from people, like the Albertsons, who had no idea this could happen. I didnt know this was a possibility. Were just lucky no one was in the bathroom, says Albertson. Heres what you can do to check your shower: Look for cracks especially around the edges of the glass.
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Investigators: Glass Shower Doors Can Shatter With No Warning

Tis The Season

I heard this big bang, this big boom, said Malinski. I couldnt enter all the way because theres glass all over the counter,in the sink, on the floor. Her mother was cut on her hands and face. Even though tempered-glass shower doors are supposed to break into small pieces to prevent injuries from larger, sharper pieces of glass they can break in bigger shards. That is what happened to Larry Kucharik,who was injured while cleaning up the shattered glass from his shower door. I just tapped the top of it and a chunk of it came down and hit my ankle, said Kucharik, whose ankle is still scarred. It started bleeding, and there was a lot of blood all over the floor. The U.S.
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Shattering Shower Doors

Tempered Glass Glass shower design is typically made with tempered glass, given its safety value. Its made by heating flat glass to approach its softening temperature and quickly chilling it with cold air. This process produces highly desirable conditions of induced stress and results in additional continue strength, resistance to thermal stress and impact resistance. This means it will never break into sharp, jagged edges, but rather, it forms small oval pebbles. Decorative Elements If youd like to include a decorative accent strip on the inside of your shower walls, select one that does not have heavily textured or severe raises in the finished surface. Its important to make certain these elements arent placed in areas where edges of the glass would come into contact.
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JPMorgan Chase Military Mortgage Lawsuit Reaches Settlement

The class action lawsuit filed by Marine Corps Capt. Jonathan Rowles, who charged that the bank failed to reduce the interest rate on his mortgage. Read: Chase Bank Apologizes for Military Mortgage Mistakes A federal investigation revealed that JPMorgan had overcharged nearly 6,000 active military personnel while 18 military homes were foreclosed upon. Under the settlement agreement filed April 21 in U.S. District Court in Beaufort, S.C., and awaiting court approval, JPMorgan will pay $12 million to approximately 6,000 service members while another $15 million will be allocated for individual damages. JPMorgan has already made $6 million in payments to affected military service members and the bank will set aside another estimated $6.4 million for additional payments to borrowers who may have been subjected to wrongful foreclosures. Additionally, JPMorgan will pay $8 million for legal fees and costs incurred by affected military personnel involved in the class action lawsuit. We are sorry and regret the mistakes our firm made on mortgages for members of the military, and wed like to thank Capt.
For the original version including any supplementary images or video, visit http://www.mybanktracker.com/news/2011/04/26/jpmorgan-chase-military-mortgage-lawsuit-reaches-settlemen/

JPMorgan Settles Military Mortgage Suits for $56 Million

The lender has agreed to return houses that have been improperly foreclosed upon and not yet sold and to pay fair market value for those already auctioned off, according to the filing. It also will forgive any remaining mortgage debt of military borrowers who were protected by the law and mistakenly foreclosed upon. JPMorgan officials said in todays statement theyve already made $6 million in payments to military borrowers who were overcharged. Under the settlement, the bank also will provide an estimated $6.4 million in additional benefits to soldiers who may have been subjected to wrongful foreclosure practices. Finally, the company will pay $8 million in legal fees for Rowles and other affected military personal who sued over the mishandled mortgages, according to court filings. Judge Must Approve U.S.
For the original version including any supplementary images or video, visit http://www.bloomberg.com/news/2011-04-21/jpmorgan-chase-settles-military-mortgage-overcharging-suit-for-56-million.html

How the U.S. mortgage settlement can help military members

The official watchdog of this settlement, Joseph Smith, reminded military members and veterans this week that the mortgage deal, which settled allegations of foreclosure abuses, has special provisions for them. The message is a particularly important one for San Diego County, a community of roughly 260,000 veterans, according to the county . “Service members, veterans and their families make daily sacrifices and dedicate their lives to protect all Americans, and its our nations responsibility to help protect their best interests,” said the Office of Mortgage Oversight in its outreach letter. The veterans mortgage settlement: Helps service members whose foreclosures, going back to Jan. 1, 2006, violate the Servicemembers Civil Relief Act , a federal law that protects active members of the armed forces in situations such as foreclosures, rent and mortgage rates. The restitution amount is lost equity, interest and $116,785. Requires lenders to provide restitution to service members who were overcharged interest in their mortgages.
For the original version including any supplementary images or video, visit http://www.utsandiego.com/news/2012/nov/14/mortgage-settlement-and-military/

Home Loan Modification (1st in a series)

Itau, Bradesco Bet $14 Billion on Brazil Mortgage Market

A modification is very similar to a traditional refinance and ultimately can accomplish the same thing. The difference being those that have their loans modified are unable to qualify for a refinance because of a number of things including a low credit score, missed payments, or the home is close to being sold on the steps of the courthouse. The modification request is an attempt by the homeowner to tackle any outstanding past due payments, as well as request a lower, more affordable monthly payment moving forward. There are no closing costs as in a refinance, and there is no closing as when you bought the property. Once the modification details are hammered out by the lender, they will send you paperwork to sign and send back. VERY IMPORTANT TO NOTE, when you send the paperwork back, this only guarantees you a 3-month trial period of the new terms and/or payment. You must make your payments on time with no problems for the 3 months before the terms become permanent. If you miss a usda direct financing payment or are late making your payment within the trial period, all bets are off; the mortgage goes right back to the status it was before and you are then again at risk of losing your home.
For the original version including any supplementary images or video, visit http://www.examiner.com/article/home-loan-modification-1st-a-series

Itau Unibanco Holding SA and Banco Bradesco SA increased their home-loan portfolios by 32 percent each in the second quarter from a year earlier to 32.4 billion reais ($13.6 billion). Thats more than double what they had forecast for growth of all types of credit this year. The two Sao Paulo-based banks did this while the average mortgage rate fell to 11.94 percent in June from 12.91 percent in January, according to Brazils central bank.
For the original version including any supplementary images or video, visit http://www.bloomberg.com/news/2013-08-19/itau-bradesco-bet-14-billion-on-brazil-mortgage-market.html

Mold Testing and Remediation in New Jersey

When approaching or handling mold, home and business owners must be very careful. Mold is self-saving, meaning when it is attacked, or touched, it will send more spores out into the air to recolonize elsewhere. This is extremely dangerous, especially since spores can settle in ventilation and HVAC systems within the home or business. It contractors mold removal is highly recommended to have the home or office tested by an Industrial Hygienist not affiliated with any remediation or removal companies. By hiring a third-party hygienist, conflict of interest regarding testing will not be an issue for the consumer. If a mold remediation service provider advertises free testing, chances are the data collected will be used to the advantage of the company, not the consumer. The third-party hygienist will offer unbiased testing, ensuring the safety and security of the consumer.
For the original version including any supplementary images or video, visit http://www.examiner.com/article/mold-testing-and-remediation-new-jersey

Five Boro Mold Specialist Inc., Releases Report On Water Damage and Mold Growth in NYC Schools

WEBWIRE Monday, August 12, 2013 With school starting for many children of all ages across the nation, many school systems are still experiencing budget shortfalls with the economy still on the rebound. As every local government has to deal with budget shortfalls these days, along with the calamity that it causes for infrastructure and education, most should understand the serious hazards of sending children back to school to endure hazardous conditions. As some officials could care less and are only worried about their personal agendas and pet projects that help line their own pockets with additional funds and money for campaigning and personal use, the number of officials that sincerely care, far outweigh the proverbial bad apples. Now in the Big Apple for instance, Mayor Bloomberg has been often seen as one of those with a personal agenda being a billionaire and all, but the fact of the matter is that he has been very busy with assisting New Yorkers with a tremendous amount of effort before, during, and after the devastation caused by Super Storm Sandy. As no one is perfect, and as some officials are well endowed and well connected with people in power, this has proven to be somewhat of a perk for New Yorkers as the entire world runs off of making money, and money is what Mayor Bloomberg is all about. As the entire infra-structure of most of the nations municipalities are either traded publicly on the stock market via bonds, or are managed by private firms that are in no way owned and operated by the government, just monitored, and are strictly for profit.
For the original version including any supplementary images or video, visit http://www.webwire.com/ViewPressRel.asp?aId=178575

Houston, we have a problem

Make no mistake, this is not your typical community orchestra. It has been structured by baton master Jaemi Blair Loeb to be an all-inclusive neighborhood group aimed at creating fun, lovely experiences for audiences and players alike. The program includesBeethovens Coriolanus Overture, Mozart’s Symphony No. 35 “Haffner” and chamber selections by Wind Sync, the Apollo Chamber Players and members of the orchestra. In true Heights style, expect a cheerful and slightly day spa Houston 77042 quirky reception post-concert. Friday at 7:30 p.m. Through the Lens: The Early Days of the Rothko Chapel as Seen by Francois de Menil The Rothko Chapel is a structure that carries significance for so many people and holds a vital role in Houston’s academic, interfaith and artistic discourse.
Full text or original Your weekly guide to Houston: a

“It made the illness not as big as it was before. He would make her feel so much better . She was very appreciative of what he did and said, ‘You know, you have a talent here.'” Robert, after taking classes, was a trainer for the American Cancer Society’s “Look Good, Feel Better” program and opened his first salon for cancer patients, “Salon Chair Called Hope.” Despite positive media stories and letters supporting his cause, he and Sandra Rose had to close the salon in 2009 because they couldn’t afford the overhead. He worked at other salons but took last year off. The new salon opened in June and they are hoping this time it will work. “All I want is to be part of a team to make a difference but I can’t sit around and wait for it to happen I have to be busy,” Robert said.
Full text or original Flagstaff salon caters to cancer patients

Was an ex-girlfriend trying to out Whitney Houston?

Think of it as the getaway from the typical getaway. floridastateparks.org/longkey/default.cfm Image credit: floridastateparks.org Grand Canyon National Park via Crazy Jug Point, Arizona You didnt think wed neglect one of the worlds most famous national parks, did you? Nor would we dare lead you astray with one of the busiest parts of the park. With the Colorado River still within view of this cliff-edge site, Crazy Jug is a carside campers refuge from the troops of tourists. Find easy access to the Bill Hall Trail less than a mile from camp, and descend to get a peek at the volcanic Mt.
Full text or original Was an ex-girlfriend trying to out Whitney Houston?