CDJ Poster

CDJ Poster

Monday, December 2, 2013

DIY Fix: Window air & water leak


Take a close look at your windows, doors, and skylights to stop air leaks, foil water drips, and detect the gaps and rot that let the outside in. You can perform a quick check with a home air-pressure test, or a DIY energy audit.




Luckily, these inspections are easy to do. Here’s how to give your house a checkup:
How to Check for Air Leaks

A home air pressure test sucks outside air into the house to reveal air leaks that increase your energy bills. To inspect windows and other openings:
  • Seal the house by locking all doors, windows, and skylights.
  • Close all dampers and vents.
  • Turn on all kitchen and bath exhaust fans.
  • Pass a burning incense stick along all openings — windows, doors, fireplaces, outlets — to pinpoint air rushing in from the outside.
How to Pinpoint Window Problems

Air and water can seep into closed widows from gaps and rot in frames, deteriorating caulking, cracked glass, and closures that don’t fully close.

To stop air leaks, give your windows a thorough inspection:
  • Give a little shake. If they rattle, frames are not secure, so heat and air conditioning can leak out and rain can seep in. Some caulk and a few nails into surrounding framing will fix this.
  • Look deep. If you can see the outside from around — not just through — the window, you’ve got gaps. Seal air leaks by caulking and weather stripping around frames.
  • Inspect window panes for cracks.
  • Check locks. Make sure double-hung windows slide smoothly up and down. If not, run a knife around the frame and sash to loosen any dried paint. Tighten cranks on casement windows and check that top locks fully grab latches.
Some older windows can be repaired and save you money over new windows. However, if you think you’ll automatically gain energy savings, think carefully — there may be other, cheaper ways to cut utility bills, such as sealing air leaks.

Related: Should You Repair or Replace Your Windows?

Inspecting Doors for Leaks
  • Check doors for cracks that weaken their ability to stop air leaks and water seeps.
  • Inspect weather stripping for peels and gaps.
  • Make sure hinges are tight and doors fit securely in their thresholds.
Related: Choosing an Exterior Door

Checking Out Skylights


Brown stains on walls under a skylight are telltale signs that water is invading and air is escaping. Cut a small hole in the stained drywall to check for wetness, which would indicate rot, or gaps in the skylight.

To investigate skylight leaks, carefully climb on the roof and look for the following:
  • Open seams between flashing or shingles.
  • Shingle debris that allows water to collect on roofs.
  • Failed and/or cracked patches of roofing cement put down the last time the skylight leaked


article from Homelogics.com
By Lisa Kaplan Gordon

Monday, October 14, 2013

The Health Insurance Marketplace- An Easier Way to Shop for Health Insurance


The Marketplace is a new way to find quality health coverage. It can help if you don’t have coverage now or if you have it but want to look at other options.
With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.

What you'll learn when you apply in the Health Insurance Marketplace

When you use the Health Insurance Marketplace, you'll fill out an application and see all the health plans available in your area. You'll provide some information about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs.
The Marketplace will also tell you if you qualify for free or low-cost coverage available throughMedicaid or the Children's Health Insurance Program (CHIP).
Most Americans will be eligible to use the Marketplace. Learn more about Marketplace eligibility.
The Health Insurance Marketplace is sometimes known as the health insurance "exchange."

Apply online, by mail, or in-person

You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Telephone help and online chat are available 24/7 to help you complete your application. Call the call center to have a copy of the paper application mailed to you..
Plans and prices are now available. Coverage starts as soon as January 1, 2014. Open enrollment ends March 31, 2014.

What plans in the Marketplace cover

Insurance plans in the Marketplace are offered by private companies. They cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can't charge women more than men for the same plan. Manypreventive services are covered at no cost to you.

Learn who runs the Marketplace in your state

While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out who runs the Marketplace in your state by using the menu at the bottom of this page. If your state runs its Marketplace, you'll use your state’s website, not this one.

How the Marketplace presents plan information

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, and other features important to you before you make a choice. Plans will be presented in five categories – bronze, silver, gold, platinum, and catastrophic – to make comparing them easier.
In the Marketplace, information about prices and benefits will be written in simple language. You get a clear picture of what premiums you'd pay and what benefits and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)


VISIT www.MyCDJInsurance.com for details.