Morning television can be “light”, but as far as personal finance interviews go, this Suze Orman segment from The Today Show is loaded with practical financial planning advice.

Titled “What Should You Do First?”, Ms. Orman addressed the real-life, money management conundrums households face, such as:

• Should I pay off credit card bills, or create an emergency cash fund?
• Should I pay off student loan debt, or pay off credit card bills?
• Should I save for a child’s college tuition, or save for my retirement?

In 5 minutes, the segment covers a half-dozen scenarios like the ones above, explaining what to do, and why to do it.

Ms. Orman’s style may not interest you and financial advice is rarely universal, but the piece is worth watching.

Watch the clip on the NBC website.

An EPA study shows that close to dozen common air pollutants are 2 to 5 times more concentrated indoors versus outdoors, regardless of whether the home is is located in Rural America, or in an industrial zone.

The cause is volatile organic compounds, more commonly known as VOCs.

VOCs are gases emitted from certain liquids and solids including paints, cleaning supplies, pesticides, air fresheners and permanent markers, among others. In the short-term, can cause respiratory irritation. In the long-term, VOCs can lead to “Sick Building Syndrome“, cancer and other illnesses.

There are a number of ways to keep VOC levels in your Mount Holly home to minimum and the EPA published some tips to help with home health safety. The advice includes:

1. Meet or exceed all product label precautions
2. When buying paints and chemicals, don’t buy bulk. Buy only what you need. Dispose of the rest.
3. If a product label says “use in well-ventilated area”, move to the outdoors or use a fan

VOC levels can remain elevated for long periods of time even after the VOC-generating activity is completed.  Therefore, take care to protect your home and your health.

Read the EPA’s complete guide to volatile organic compounds on its website.

One month after the federal homebuyer tax credit’s official expiration, the New Home Sales report turned in its worst showing ever.

In May 2010, for the first time in 11 months, the inventory of unsold new homes crossed the 8-month marker, posting an 8.5 month supply overall.

Additionally, new homes sales volume fell to 300,000 units nationwide — a drop of 32% and its lowest level since the Commerce Department started tracking data in 1963.

Now, universally, the press is referring to the May New Home Sales report as “poor“.  A closer look, however, shows that may not be the case.

For one, we have to keep New Home Sales in perspective as a percentage of overall home sales. Yes, there were just 300,000 new homes sold in May, but there were also 5.66 million “existing” homes sold.

New Home Sales, therefore, accounted for just 5 percent of the total housing market — a very small percentage.

Another reason why the weak New Home Sales data isn’t so awful is that, when New Home Sales stall, it actually benefits home buyers.  Excess supply puts a strain on sellers which, in turn, gives buyers a tremendous amount of leverage in negotiation.

When home inventories are high, builders are more apt to appease their customers in hopes of making a sale.  For Palmyra home buyers, this can result in buying a better product at a lower price.

Especially with builder confidence plummeting.

Since February 2009, housing has shown steady gains. There’s been both peaks and valleys across units, inventories, and prices, but overall, the market is improving.  Philadelphia’s existing housing stock, some of it relatively new, represents incredible bargais for home buyers. However in other parts of the country where much of the housing stock is newer, May’s New Home Sales data shows how now may an opportune time to “buy new”.

From one pot to a lush garden, we all have plants for which to care in our lives. But are they getting the right amount of water?  Too little water and the plant dies. Too much water and root rot sets in.

In general, plants want 1 inch of water per week but Mother Nature doesn’t always provide. It’s up to us to make up the difference.

In this short video from ExpertVillage, Doug Smiddy shows us how to make sure our plants get the right amount of water they need to survive. He answers questions including:

• How do you know if your plants need water right now?
• What is best time of day to water outdoor plants?
• What is the proper way to water a plant?

The video runs a little bit over 2 minutes and is stocked with helpful tips. If you care for any plants in your life, it’s a must-watch video.

After a strong March showing and a surprise upward-revision for February, Housing Starts are, once again, trending better.

It’s yet another signal that the housing market in Mount Holly and nationwide is stabilized.

A Housing Start is a new home on which construction has started and, over the last 6 months, home builders are averaging one half-million starts per month.

This marks the highest 6-month average since 2008 and a reading one-fifth percent better from 12 months ago.  Revisions to prior data have all been higher, too.

Even more interesting, though, is that the number of newly-issued building permits is exploding. Permits were up more than 5 percent last month and have climbed back to the levels of late-2008.

Housing permits are an important data point in housing because permits are precursors to actual housing starts.  According to the Census Bureau, 82% of homes start construction within 60 days of permit-issuance.

Therefore, because March’s housing permits increased, we should expect Housing Starts to continue to rise into the early months of summer.

This, too, reflects well on housing because the federal home buyer tax credit won’t be in existence this summer. The simple fact the homes are being built now shows that housing is likely to expand even after the tax credit expires.

Non-military members must be under contract by April 30, 2010 and closed by June 30, 2010 in order to claim up to $8,000 in federal tax credits. Even after the tax credit ends however, the low interest rates and good local housing proces make buying a home the right move for most people that can!

Baja California was hit by a 7.2 magnitude earthquake Sunday, a tremor felt as far away as Yuma, Arizona. Rhode Island dealing with massive flooding. Winter storms are pounding the Rockies. It all reminds us that natural disaster can strike anywhere, at anytime.

You can’t stop Mother Nature, so your best defense is to be prepared.

A terrific resource for families in Palmyra and around the country is the Department of Homeland Security’s Ready.gov, a website aimed at family, business and community disaster readiness. This includes defense against physical attacks, and as well as hurricanes, tornadoes, earthquakes and floods.

The Ready.gov website contains tips, notes and checklists, including the 3-minute “It Takes Just Three Steps To Get Ready For An Emergency” video featured above.

If you’ve never watched it, do it now.  Then, test your home’s disaster readiness with this 10-question quiz.  There’s no “passing grade” on the test but, via your own answers, you’ll see where your home has room for readiness improvement.

Disasters are unpredictable and most of us will face them at least once in our lives. Be prepared in advance, therefore.  Protecting your household is simpler than you think.

Sometimes, price tags just don’t want to unstick. No matter how hard you scrub and scrape, tacky residence stays behind. Turns out, getting “the stick” off your stickers isn’t so hard when you have the right tools.

In this 2-minute video from eHow.com, you’ll learn how to remove stickers and adhesive-based price tags from common household items including:

• Wooden furniture
• Glass vases and other glassware
• Plastic pieces
• Cardboard boxes

The best part? All the supplies you’ll need are already in your home.

For spot and room heating, homeowners often turn to portable space heaters.  Often, it’s cheaper and faster to heat a small space with a heater than it is to raise the entire home’s temperature by a few degrees.

But space heaters can be dangerous.

According to the National Fire Protection Association, space heaters were responsible for a large percentage of overall fire-related damages in 2006, including:

• 43% of home heating-related injuries
• 51% of home heating-related property damage
• 73% of home heating-related civilian deaths

Clearly, as compared to central heating systems and fireplaces, electric space heaters cause a disproportionate amount of in-home damage.  This is why it’s important to be safe when using them.

So, here’s some basic space heater tips to follow at home:

• Never place anything flammable within three feet away of a space heater
• Never use an extension cord on a space heater
• Turn space heaters off when leaving a room or going to bed

Furthermore, make sure your space heater bears the label of a recognized testing laboratory such as Underwriters Laboratory.

Remember to test your smoke detectors monthly.

Source
Heating Safety Tips
National Fire Protection Agency

Most New Year’s resolutions have some kind of health angle – work out more, eat right and so on- so why not give your home the same kind of revamp? Resolve to keep your home healthier this year with this seasonal checklist.

Winter

- Drain and insulate outdoor pipes to prevent freezing.

- Check for damaged sidewalk, driveway or stairs and repair them before th first snow to avoid dangerous mishaps.

Spring

- Clean your gutters. Backed up gutters can wreak havoc on siding and cause flooding. Scoop out leaves and debris with a trowel or hire professionals to do it.

- Check your roof. Wintry weather may have damaged the surface and the first big rainstorm, left unchecked, could cause significant problems. Replace shingles as needed.

- If your fireplace gor a workout during the winter months, give it a clean sweep. Call in the experts to inspect and clean creosote buildup.

Summer

- Walk around your house to check for unsealed spots where squirrels or mice could sneak in. Look carefully for termites or ants, too. Inside, check your attic and make sure egress points are sealed tightly.

- Get ready for the warm season by giving any outdoor equipment (pools, swing sets, etc.) a thorough, top-to-bottom cleaning.

Fall

- Ensure your furnace is in prime shape for the cold months ahead, and change all the air filters in your house.

- Make sure your house is adequately sealed. Apply weather stripping (such as tape, felt, foam, or vinyl tubing) around doors or windows.

- Trim branches near your home or roof to prevent damage when wintry weather hits.

If you’ve ever used a plastic Chip Clip and been miffed that your chips went stale anyway, you have to see the Banana Seal.  Its beauty is its simplicity.

Similar to the tongue-in-groove seal created by zip-top bags, the Banana Seal creates an airtight seal on bags of all sizes.  Chips stay crunchy, vegetables stay fresh, and freezer-burned food becomes a problem of the past.

The people of Banana Seal made a promotional video that shows the product in action. It’s a little bit over-the-top in “sales mode”, but gives some good ideas on how the Banana Seal works.  Aside from the obvious refrigerator, freezer and pantry uses, the video shows how Banana Seal can be used outside of the kitchen, too.

Buy an 18-pack of Banana Seal for less than $20 from Amazon.com.