(NewsUSA)
– As temperatures rise and air conditioners begin to blast, educated homeowners have no need to fear the Environmental Protection Agency’s (EPA) 2020 Freon Phaseout.January 2020 marks the EPA mandate to end production of Freon (also known as HCFC-22 and R-22), the primary refrigerant chemical used in residential air conditioning units that has been found to have a significant contributing effect on ozone depletion and global warming.
While this is good news for environmentally conscious consumers, what does this mean to homeowners?
In short, you can still opt to keep your older system that requires Freon. However, this can pose a problem should your unit need even minor service, such as a small leak. Technicians will have limited access to R-22 or use recycled versions until supplies dwindle. Further, a shortage means increased prices. Alternatively, homeowners would need to hire a technician to replace the outdoor unit and indoor coil to accommodate the newer R410A, which is an expensive proposition.
Ultimately, now might be a perfect time to upgrade since the average lifespan of an HVAC system is approximately 15 years – allowing homeowners to enjoy greater long-term savings on utility bills and live greener.
Live Green, Save Green, Stay Cool
With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.
Following are some useful tips to help you contribute to the cleaner energy movement and reduce bills:
* Get Electric: According to Columbia University’s Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.
* Be “Smart” About Home Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create “smart” systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.
* Voice Your Preferences: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.
* Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned, ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don’t spend a lot of time. This will multiply savings as you’re not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.
* Go Low-tech: Simple changes can have a big impact. Try to use heat-producing appliances – stoves, irons and dryers – at night or early morning. Switch to LED light bulbs instead of incandescent bulbs – which consume 90 percent more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. Check existing caulking and weather-stripping for gaps or cracks.
There’s no need to sweat the ban on Freon this summer. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government.
To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.
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– Owning a home is a huge investment, and once they’ve owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you’re on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term – commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home’s current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home’s appreciated (or depreciated) value.Here’s an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home’s value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids’ college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners’ insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.To find out how Unison can help you get the most out of homeownership, visit 
– In these times of market uncertainty, investors are looking for alternatives, and one company, SmartWealth, has their backs.SmartWealth is a coaching and training organization that teaches people how to retire safely by in- vesting wisely.The key to financial security and success, according to Jeffrey D. Sokol, the founder of SmartWealth who predicted the current market collapse, is locking in stock market gains, without risking the client’s money in the market, a proposition that many people find risky even at the best of times."Investing in the stock market directly with 401(k)s and mutual funds has proven to be a massive risk to the retirement accounts of millions. There is a simple way to lock in stock market gains, without having to suffer losses," says Sokol."Our methods are proven and efficient … the wealthiest billionaires in the world have the same rule book you do, they just had a better coach."Mr. Sokol is also the author of two books, "Get in the Game" and "Smart Wealth Secrets," that focus on investing.Many financial advisors push clients to load up 401K accounts as a retirement strategy, but such accounts are more susceptible to the ups and downs of the stock market, Sokol says.However, there are other options: SmartWealth offers a range of online training courses developed by industry experts that are designed to increase income and boost financial confidence. Courses include the SmartWealth series, which focuses on actions to keep and grow your retirement savings; and the Daily Passive Income Video series, which features sys- tematic strategies for asset creation."Our goal is to provide a safe haven for investors and have them retire with 300 percent more in- come than they would if they invested conventionally," Sokol explains.For those looking to obtain funding to start or expand a busi- ness, the SmartWealth OPM (Oth- er People’s Money) online acade- my, addresses topics of obtaining funds for a business, expanding your business, and even repairing a damaged credit score.Finally, to help get your head into a new way of investing, check out SmartWealth’s Get in the Game Mindset Mastery video course and book, which are geared to get people comfortable with generating passive cash flow?rather than being concerned over a single asset. In addition, SmartWealth offers personalized retirement planning services through its companion company, Beneshield Financial. In addition to retirement solutions, Beneshield Financial also provides consulting for life insurance, health care coverage, and small business startup funding.Visit 
– Especially in stressful times, curling up with some positive TV programs can be a much-needed relaxing experience for the whole family.The UPtv slate of Easter programming, scheduled for April 4 through April 12, is ready to support family togetherness with two weekends of movies to celebrate the Easter season and encourage reflection and positive thinking."As the home for uplifting programming, we can’t think of a better time than now to celebrate feel-good films and inspiring biblical stories. In-Lawfully Yours is a perfect way to cap-off Easter Sunday with the entire family," says Hector Campos, vice president of content strategy for UPtv.In-Lawfully Yours features a clash of personalities when a fun-loving New Yorker played by Chelsey Crisp (Fresh Off the Boat) moves to a small town to help her recently widowed ex-mother-in-law, played by Marilu Henner (Taxi, L.A. Story). The locals may not approve, but sparks fly when she meets the church pastor.Want more love? Tune in on Saturday, April 4, for a marathon of romantic movies in the UPtv tradition. The event kicks off with Love Takes Wing at 3p.m. EST, in which newly minted doctor and new widow Belinda becomes a "Regional Doctor," traveling through small towns in turn-of-the-century America, finding love and discovering the joy of parenthood along the way. The series continues with Love Finds a Home, Love Begins, Love’s Everlasting Courage, and Love’s Christmas Journey, Parts I and II, airing consecutively. The movies are based on the popular books by Janette Oke.The Palm Sunday lineup takes a more faithful tone, with Courageous at 11:30 a.m., which follows the personal and professional lives of four sheriff’s deputies in a small town in Georgia. Other Palm Sunday features include God’s Not Dead, War Room, The Passion of the Christ, and a late-night Little House on the Prairie movie marathon.UPtv’s Good Friday programming includes Noah’s Ark at 7 p.m., followed by two showings of The Passion of the Christ at 9 p.m. and 11 p.m. Saturday’s schedule includes the inspirational football-themed movie, Facing the Giants, as well as two showings of Heaven is for Real, at noon and at 7 p.m.On Easter Sunday, tune in at noon for The Identical, an uplifting story of twin brothers separated at birth who share a love of music, followed by The Healer, the premiere of the UPtv original movie, Undercover Angel, and the premiere of In-Lawfully Yours.For more family-friendly Easter programming, tune in to UPtv’s sister service, UP Faith and Family, which features Exodus; Pure Country 2: The Gift; The Left Behind Trilogy; Grace Unplugged; and Dial A Prayer during the month of April.Visit uptv.com for more information about these and other uplifting movies and series. Find them on DirecTV Channel 338, Dish Channel 188, Fios TV Channel 738, ATT TV NOW, Philo + Local ProvidersYou can also visit 
– As the ongoing spread of the novel Coronavirus (COVID-19) reshapes American lives by the day, and sometimes by the hour, the health and stability of the nation’s essential work force, namely our health care workers and first responders, remains paramount.To keep themselves and their patients safe, these workers, who may have potentially been exposed to this deadly virus, may have to stay home until they are tested, losing valuable time on a now critical job.Here’s where organizations such as xymbio are stepping up to the challenge. xymbio, an infectious disease testing company, has offered the use of its high-speed testing program to help run tests on health care personnel and first responders to keep them healthy and return them to their demanding roles as soon as possible.The Las Vegas based company, uses industry leading technologies from ThermoFisher and operates under the Emergency Use Authorization (EUA) guidance issued by the Federal Drug Administration and highest diagnostic standards.xymbio is readying to process COVID-19 tests for hospitals and health care systems, and the company can provide both on-site testing and at-home testing kits for employees who believe they may have been exposed to the virus. In addition, individual physicians can request test kits and testing for patients using forms available online on the xymbio website.The company has been waiting on a response from the Centers for Disease Control and Prevention (CDC), National Institute of Health (NIH), and the National Institute of Allergy and Infectious Diseases for necessary funding to accelerate its capabilities to acquire test kits so that it can rapidly scale testing capacity."xymbio has developed state of the art qPCR technology using ThermoFisher reagents to detect coronavirus protein n,s,e antigens. Their test is highly specific, accurate and scalable. They are now only limited by government funding to expand capacity from 500 tests per day to thousands of tests per day. Time is of the essence. They have the fix. They need the support to expand their operations now!" Dr. Larry Emdur, Chief Medical Officer of Alvarado Hospital in California."We are in a war against a dangerous virus, and with federal assistance we are prepared to ramp up our testing capacity over the next 35 days to 20,000 tests a day, or 120,000 tests a week, with immediate plans to expand operations to Las Vegas and Atlanta, which would more than quadruple our testing capacity," according to Dr. Heath Wills, CEO and Chief Medical Officers of xymbio."We are ready to undertake the rapid action on behalf of many more citizens, and await prompt action on our proposal to the NIH, HHS, CDC, FEMA or the White House Task Force on Coronavirus testing during this national crisis," Wills emphasizes.xymbio has also been working with the Swab for Life campaign of the Give Life Foundation, a non-profit organization dedicated to raise awareness of blood donation."We chose to partner with xymbio because of its extremely accurate COVID-19 testing capabilities that we believe will accelerate help to Americans during this national healthcare crisis," says Bart S. Fisher, chairman of the Foundation.For more information about xymbio and their efforts to work with individual health care providers, hospitals, and the government, visit 
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