Investing in a New Wall Thermostat

It seems like home gas and electric rates go up every time you get a new bill. There is very little that you can do about rates, but you can fight back by lowering your energy consumption. One important way to do this is with a programmable wall thermostat. Here is how the new digital models work, and why you should consider investing in one.

Programming Your Heating and Cooling

Perhaps you are happy with your old analog thermostat. After all, it seems to work just fine. However, the money that you save with the new models can easily pay for themselves and much more. Your new thermostat will automatically change the temperature settings for you, four times per day.

A lot of the new models have a 5 day/2 day program. This means that you can have one program for the weekdays and another program for the weekends, when most people are not working. There are four settings for each program, and they are awaken, leaving, returning, and sleeping. For example, you might set the weekday “awaken” program for 21C (70F) for getting up and taking a shower in the morning.

There may not be anyone home when you leave for your job, so you might lower the “leaving” temperature to a chilly 60F (16C) for the time you are away at work. There is no reason to have the house warm and comfortable, if no one is there.

Set the coming home or “returning” temperature for 21C (70F), and you will come home to a nice warm house in the evening. The house will stay comfortable and warm until it is time for bed. While you sleep, the temperature can be much lower, as you can use a comforter or electric blanket. You might wish to have it as cool as 17C (63F) for the “sleep” setting. However, you will awaken to a warm 21C (70F) house in the morning. On weekends you can set it for 21C (70F) all through the day and then 17C (63F) at night.

Cooler temperatures mean that your furnace is not running as often. This can result in a much lower heat bill. During the warm months, it is just the opposite. Keep the house warmer when no one is there, or when you are sleeping. Make sure it is nice and cool when you get up, and when you get home from work. For example, a comfortable lower temp might be 25C (78F). A good temperature when no one is home can be 29C (85F). And a recommended temperature for sleeping might be 27C (82F). However, it is entirely up to you.

Most of these models will have a default setting. If you do not care to set your own program, you can use the default programs. Many default settings are 25C (78F) for cooling, and 20C (68F) for heating the home.

Shopping for a Thermostat

Be sure that you purchase the right model for your heating and cooling system. A heat pump will not take the same type as a house with a furnace and air conditioning unit. Check with someone at your local hardware store, or go online and check with the manufacturer. These new models will not cost a lot of money.


It is not too hard to install your own thermostat. However, not everyone will be comfortable with wiring up the new unit. If you have any doubts, call a professional for the installation.


When you invest in a programmable wall thermostat, it will be money well spent. These units lower or raise your home temperature when no one is home, or when everyone is sleeping. They do not cost a great deal, and often times they can be installed by the homeowner. However, professional installation is only a phone call away, if you need it.

Starting a Home Business? Time to Build Your Ark

If the idea of starting a home business, possibly an MLM home based business, has ever crossed your mind then the Global economic meltdown might just have made you more serious about it!

As companies lay people off by the thousands, and we’re hit with an ever-increasing cost of living then all sorts of ideas for home businesses can cross our minds. But don’t lay out thousands just yet! You actually don’t have to.

Starting a home business requires us to have one of two things in place, time and/or money. If we are ‘time rich’ and ‘money poor’ we can put many hours of effort a day into our home based business. If we are time poor and money rich we can maybe outsource certain tasks to others to ‘leverage’ our efforts. In fact all the real income-producing ideas for home businesses involve some leverage – putting a little in and getting a lot more out.

So do we go starting a home based business by racing off to our local Franchise exhibition, writing out a fat cheque to a smiley person who tells us we’re ‘in the right place at the right time’? I’d say ‘no’.

Why? Well, I’m not disrespecting franchises or indeed franchisees, who are often very committed, hard-working people but the sort of financial returns you can expect from a franchise are available from any respectable MLM home based business and you won’t be shackled with a huge outlay and all the pressures – including relationship pressures – that brings.

No. For any ‘Return on Investment’ calculation you’d care to make, a respectable MLM home based business is your best ticket out of the economic madness that surrounds us. Starting a home business knitting mufflers is all very well, but the minute you stop knitting mufflers, guess what? The income stops.

Any ideas for home businesses like this, which involve your sole efforts only are nothing but another job. If all we do is swap time for money, then our money is always going to hit a ceiling. What ceiling? Our time.

But for some of us, an MLM home based business is just not something we’d consider, whatever our circumstances. These are some of the key reasons:

i) MLM is an illegal ‘pyramid’.

ii) I wouldn’t want to have to bug friends and family.

iii) I wouldn’t have the time.

iv) I hate selling.

v) I don’t like rejection.

A lot might hang on how you process the following information so hold on to your hat!

i) Multi level marketing is definitely NOT the same thing as a ‘Pyramid’. That would be like saying that hiring and stealing a car are the same because they both involve driving a car that’s not yours! I recommend you get the facts on this (not from your best friend!)

ii) You can now build an MLM business without ever mentioning it to anyone you know!

iii) If you’re not where you want to be financially and you don’t make the time what’s going to change in the future apart from your age?!

iv) You don’t have to sell. The modern version of an MLM home based business does not require any one to one interaction.

v) Same as answer to iv!

In this day and age, starting a home based business on the internet requires only basic computer skills which can be and need to be learnt. Incredibly, your new home based business could eventually involve thousands of people from all over the world whom you never met and will never meet. If you speak to prospects at all it will be by telephone with them qualified and interested, not negative and feeling chased!

So if you’re thinking that an MLM home based business might after all be the best of ideas for home businesses in this ‘worst of times’, then with well over 400 MLM opportunies out there, where on earth do you start?! That’s a good question.

The fairest answer is not to get too bent out of shape over which opportunity because these days people often promote several and frequently change. What you need is some kind of ‘launchpad’ – a system that you can plug into, and learn step by step how to make your new MLM home based business work.

You can promote several opportunities online, and different people will be attracted to different ideas for home businesses. You’ll be astonished at the automation of everything today and what amazing incomes are attainable. Don’t listen to your Uncle Fred. While he’s telling you it can’t be done, thousands are out there doing it. Why not you?

Help is available from people who’ve ‘been there and done it’ in online network marketing and that’s a great resource for you. Everyone will tell you their home based business opportunity is great. That’s natural! But your success will hang on the system you employ for locating ambitious people around the world who want what you’re offering. Open your mind to what you could achieve with an MLM home based business. It could be the most important financial call you ever make.

Start Up Business Loans – An Easy Solution For New Entrepreneurs

Many individuals inherit their forefathers’ businesses. In contrast, there are still many business-oriented people whose parents are salaried employees and who have to start from scratch to build up their own businesses. A considerable amount of money goes into the business even if it is on a small scale and it takes a lot of time before a particular business starts giving returns. Many new entrepreneurs’ past savings do not suffice for their initial investment amount. Start up business loans provide a solution for such starters and enable them to fulfill the dream of their own businesses.

After taking a conscious decision to apply for a loan, one should have a comprehensive business plan in place, which includes the exact amount of money required and the break-up of that amount for various segments such as production, marketing etc. The more detailed the business plan, better are the chances of having an early approval and a lower interest rate. So, make sure that your business plan is affective and sound so that money lenders may get convinced with your project and lend money to you.

One can browse for multiple financing offers on the internet, where it is extremely important to go through the “terms and conditions” of a particular bank or finance company before applying for the loan. It is suggested that the borrower compares different schemes in regards with the repayment options, maturity period and most importantly, the rate of interest. Various banks have the option of sending their executive to the doorstep of the potential borrower to explain him the various alternatives available. One can also drop in at a bank with his papers to file the application.

There are two types of start up business loans: secured and unsecured. Secured loans are given against collateral such as property. These loans are generally granted at a lower rate of interest and enable the entrepreneur to borrow a larger sum. Unsecured loans, on the contrary, do not require collateral, involve a smaller sum and have a shorter maturity period as they pose a greater risk for the lending agency.

It is always advisable to consider flexible repayment options, where one may choose the amount of monthly installment on his own. This ensures an early payback if the business is yielding good returns.

Starting up a business and taking a loan involves a lot of risk-appetite but the risk should be calculated. New businesses should concentrate a lot on marketing so that they are able to sell their products or services better. However, one should not expect a lot from the business in its infancy and should not give up if the initial results are not up to the expectations. This may lead to minor defaults which can be ignored for some time. Due to the risk involved, it is better if the business is started as a partnership.

Start up business loans have helped a lot of new entrepreneurs to start up their businesses successfully and an individual can take personalised advice from loan providers before applying for a loan.