going green we're creating morecomfortable and enery efficient living space and who doesn'twant to save a little green when it comes on to navigating thehome loan process we've got tips the heat or cold is on... howthe proper hvac can help your
Jacksonville Mortgage Refinancing, home stay at just the righttemperature plus better design smart products are giving homeowners faster connectivity so let's get connected! (music)when we think of utility bills,
we usually don't smile but whenwe lower those bills well that's a whole other story... a greatway to lower your energy bills with heating and cooling isgetting efficient insulation installed for many owners orprofessional do-it-yourselfers are using a product that ismaking a lot of competitors green with envy, want to learnmore come lets go! (music)insulating your attick is one of the best way to control energycost.
the epa estimates properinsulation can save homeowners up to twenty percent on heatingand cooling bills. addinginsulation helps to reduce heat loss in the winter and heat gainin the summer. "hey donna! howis it going up there?" "heydebbie, it's going great!" yea.. "yea we're making great progressand it is very easy to do.
as amatter of fact, another fifteen minutes and i think i'll becompletely done." so tell me,"why did you use green fiber?" for me,it was about the factthat i already have insulation up here and i need to improve upon it to lower my energy cost, and this is going to be what ifound to be certainly the easiet thing to do. i didn't want tomake a huge investment, i did feel like i needed to because ialredy have something i just
wanted to improve upon what ialready had. you're almost done? "i am just about done". how longdid it take you? so far i havebeen up here just about an hour, so it will be total of about anhour and fifteen minutes. easyenough right.. yea, it was wellworth my time. aww..
i have acool drink waiting for you. thatsounds great, thanks debbie!... (music) here to tell us more isben underwood an insulation and green fiber expert. ben, thankyou for being here today. thankyou for having me. so ben, whatmakes green fiber such a smart choice for consumers and homeowners? right, well it's ahigher r value print, high
recycle content, eighty-fivepercent and the machine is very easy to use. one cord here forelectrical connection, there's the glowing hose here, thatsgoes into your attick. yea itdoesn't get any easier than that you, plug it and i turn it on,so that was fantastic. now i'veheard of something called "rvalue" what is that? rvalue isstandard for detemining the
resistant to heat transfer, thehigher the rvalue the better thermo will perform. ok thatmakes. how do we know how muchgreen fiber to add? if it's anexisting home, the existing amount of insulation dictateshow much you need to bring it up to standard. in this case it'sroughly four inches there, need to add about six to get it up tostandard.
"so, you're talkingabout adding to exisiting like you did, what about a newconstruction though?" thisproduct has been used for alot in new consturction for a nearlya century. so ben can it save usmoney? "yes it can absolutelysave money, it can save up to twenty percent cost savings onyour energy bills with use of this product". and debbie myexperience with this in my
house, i have been in here overtwenty years. i love my house,however what i have notice is that the electrical bill in thesummer is going up, the heating bill is going up and it iscosting me more money. so wewere looking for something that would give us more efficiency, abetter way of spending our money. and i have found it andvery pleased. and what about thesound, how do it work with the
sound? the product fills all thegabs and bullets, it's also a more dense product two to threetimes more dense than traditional insulation. so,those two things combines to make it truly a superior soundcontrol product. my husband hascomplained about the sound noise in the house and frankly when iam working even at home and i'm talking on the phone.
i can hearthe gardener landscaping, sites going on outside. so i neverrealize how noisey my house is during the day. and because it'spaper, how does it work should a fire break out? well it iseight-five percent recycled newspaper and created with fireretargeted chemicals. it's veryresilient to fire in fact we
just got a class 1a fire rating. you know when i think ofinsulation, the first thing that comes to mind is, itchy. so, howis green fiber different? ok..absolutely no itch.. and wheredo we find green fiber and the blowing system? you can findgreen fiber products in most big buck retailers, independentretailers or professional
contractors anywhere in thecountry. well to learn more, andhelp you save money, jump on the web and visit greenfiber dotcomand you can always visit us at designingspaces.tv remembersummer or winter, sound or fire, green goes with everything. (music) from smart phones tosmart tv's to smart living, the evolution has createdtechnoligies that has touched every aspect of our lives.
changing the way we live, workand play. it's no wonder smarthomes or a house with a lot of interconnected devices, is onthe rise. but integrating someof these products can make many of us feel anything but smart. the cardozo family knows thisfeeling all too well. i lovetechnology but what really frustrates me is i want to syncup all my smart products under one platform.
that's the mostfrustrating part for me. i usetechnology for so many aspects of my life, which makes itreally convienient but the thought of setting up automatedsystem on my own or with him. itkind of overwhelming and i really don't have time for that. so three products that i wouldlike to integrate into my home is, a monitoring camera, anautomatic door opener and an automated light switch.
techexpert steve toby from tesco technologies a leader inwireless communication technologies says this level offrustration is pretty common with many consumers today. traditionally a lot of haveconsumers require professional installation to install a lot ofthese products. when you look ata home that has mulitple lights and multiples doors throughoutthe home, can be an inexpense proposition.
so with this smartproduct some of the issues that you can have is thecompatability concern they may not be aware as to whether itconnects with their smart phone or it's compatible with theirexisting wifi network, bluetooth or maybe there's a proprietystandard like zigbe or zwave. and so there can be a lot ofconfusion or apprehension to encounter when looking atconnected products. to addressconsumers concern in the market place tesco provides a varietyof smart technology designed to
be user friendly andconveniently managed from any smart device. i've done someresearch on these products in the past and its' either it'stoo complicated or too expensive for me to install. i finallyfound the ability to get all of these installed. it wasn'tcomplicated, it wasn't hard, i was able to get the automaticdoor lock, video camera and
automatic light switch installednot hard, not complicated not expensive. for the consumer,they can simply download an app, pair them with their devices andexisting technology of wifi and bluetooth allowing them to veryeasily interact. the smartproducts are proving on enhance productivity, increaseefficiency and give the cardozo piece of mind. i always have mymobile device with me and it
makes it alot simplier with theautomated system. when a personcomes to the door i don't have to fumble for my keys because iam always carrying groceries or taking care of the kids. so thedoor opens automatically and the lights turn on automatically tooand i can see who is my front door when i am at any room inthe house. "siri, please unlockthe door?" "siri(of the frontdoor is unlocked" (music) our
connected home products addressseveral areas for consumers, including: home security, homeconvenience and home efficiency. these products allow them tosave money buying more efficient homes that have a more securehome environment. so what we areseeing is a lot of growth and interest from the deviceoperating system and the companies that make the smartphone. investing a lot ofresources into the technology for connected home eco system.
by doing so this opens the doorto more consumers, to easily adopt the technology. it will bealot more attractive to them in the coming years. creating aconnected ready home needs to be seamless and thanks to tescotoday's home owners can enjoy perfect connectivity in a twentyfour seven mobile world. tolearn more about smart home products visit tesco dotcom orto watch this segment of the
show again visitdesigningspacesdottv (music) coming up! why going local whenit comes to a home mortgage makes the most monetary sense. (music) (music) are you looking for ahome and a mortgage? or just need to refinance your exisitingloan. if so go local, well thatseems easy enough, there are things you need to know.
participating federal home loanbank lender are making the mortgage process easier, fasterand better for consumers. meetchad and elizabeth vertinin, who's dream of home ownershipbecame a reality, they decided to go local for their mortgageneeds. one of things that iliked about the local lending institution, was the we had alot of things going on at the time. so we were at the sametime planning for a wedding and
with all the craziness of thatthe people here at tropial financial really made itaccessable. and so, they gave ustheir phone numbers, we were able to call them; our lenderreally made herself accessable to us. so it was great help forus. the best part of the locallending instituiton was how flexible they were and also howfriendly they were. one of thethings i find most helpful was
that obviously mortgage rateswere lower. i was like, let medive in more, let me learn a little more. what i learnedabout this lending institutions was the fact that they kind oflaid everything out for me. theywere kind of walking me through the process but at the same timeletting me know, these are the steps needed to take in orderfor us to close on this property.
(music) the federalhomeloan banks are made up of eleven home loan banks acrossthe united states. we are acorporate system establish by congress in 1932 to help supportlocal lenders and make sure they have the funds availbale tothem, needed to make sure that they can continue lending acrossthe united states. kind of makesme think of a movie, "it's a wonderful life"; you may haveseen it at christmas time starring jamie stewart.
that wasall about the financial crisis and the fact that the funds werenot available when it was needed. the home loan banks makesure that money is available when it's needed. the federalhomeloan bank mortgage purchase program is a program that allowscommunity lenders; such as credit unions and localcommunity banks. make mortgagesin their market and work with
local people and take thoseloans and have a source secondary market is what we callit. to sell that loan to, we'rethat investor that buys that loan and puts it on our balancesheet, and gives them the money back so that they can relend itin their community. having thatlocal experience and understanding what the localenvironment is, what the real estate market is about. thoseare the type of things that the
local lenders has the experienceand knowledge of that perhaps someone who is national may nothave that local understanding. fho banks are sponsored by thefederal government and has helped millions of home ownerssince they were created in 1932. through it's mortgage programsthe fho banks have provided six hundred and eighty billionsdollars of mortgage funding. thefederal home loan banks through our mortgage purchase programsfor a variety of products that we make available through ourlocal lenders.
for example,tropical financial credit union is working with us under our"jumbo" product and making jumbo available in addition to that wehave other products for instance the thirty year fix such as thefha and va loans. so alot ofproducts make a lot of options available to local community. it's the biggest process you'rehave to go through, it's the biggest purchase in your entirelifetime. and it's a very scaryprocess, it's not something that
just happens over night. sohaving someone local to walk you thtough every single step, ithink is really imperative. it'sbuilding that trust relationship with someobody that you can workwith and understand the complicated process of obtaininga mortgage loan. and to havesomone that you can go to locally pay that premium at thelocal bank and have a friendly smile greet you everytime you dothat is a wonderful thing.
so,golocal reach out to your local community bank or credit unionsupport your local community. while saving time and money,itis a win win. to locate acommunity bank or credit union in your city of town. go tomymortgagelocatordotcom or visit our websitedesigningspacesdottv. anybodywho wants to buy or refinance a home.
i would totally recommendthat they go would local, like we did. later connecting yourhome for maximum efficiency and we're venting ! tips from thepros on your heating, ventalating and airconditioning. (music) when itcomes to cool technology or technology that keeps us cool. what's cooler than hvac and thatis heating, ventilation and air conditioning.
by the way joiningus on this tip from designing spaces is pretty cool ladyherself, nikki garlan. "okdebbie, great intro i like that very cool". "you like that, i doi do". "but your right debbie,choosing the correct hvac equipment and hvac professionalis very important to ensure your getting your home cool in summeras well as warm in the winter. cause we really don't want itthe other way around you got one
the other way around.. just asimportant debbie is ensuring that the best heating andcooling system for your budget. bascially getting the biggestbang for your buck. "you knowwhat our installers are always on time". "so let's head outsideto the garage, you think he's here don't you" let's check itout. ok, so "how do we do that?
by using a true trusted hvacprofessional,to come in asess your homes heating and coolingneeds. someone like franco! "heyfranco!..good timing" thank you.. thanks franco, yea keep itcool, it's pretty hard to come by. well i will tell him yousaid that.. so what do you lookfor in a dealer?
armstrong airand various dealers are located throughout the united state. when a dealer comes into yourhome typically he's going to do a low calculation; to determinewhat is the proper size of equipment for your home and foryour heating and cooling needs. well that makes sense becauseeveryone is different and on top of that debbie, out dated, oldermodels of equipment can we way less efficient than our newupdated equipment. so what thatcould mean is when you get a new
system, you get the oldreplaced. you may incur orpotentially have cost saving and the way of lower utility billsand lower monthly expenses to operate that equipment. sopretty much what i am hearing the bottom line is, stay cool inthe summer and warm in the winter. we need to do our homework meaning get the right professional and get the rightequipment.
you're absolutelyright, armstrong air, airease brand are two brands that can beone great solution. so let methank you so much for being here, "thank you debbie". iappreciate it.. well to to keepyour environment cool in the summer and warm in the winter. all you have to do is jump onthe web for more imformation and just visit armstrongairdotcomand aireasedotcom and you can
always check out out website atdesigningspacesdottv. thanks forjoining us and be cool! (music)with almost five hundred thousand homefires reported lastyear in the us. smoke detectorsand carbon monoxide detectors will continue to serve a vitalpurpose to get you out of harms way. but what about when yournot at home and a fire starts. so i went digging for a bettersolution and thats when i found
out about the "roost smartbattery". row peters is the ceoof roost now row what you have in your hand it looks like anine volt battery. how does itreally work? actually it is anine volt battery, more importantly it is a wifi enabledcloud connected nine volt battery. and you can plug it inyour exisiting smoke or seal alarm, and when that alarm goesoff and your not at home, you
actually get a notification onyour smart phone. "ok, so how doi get set up?' start bydownloading the app; and the first question we ask is whereare we going to put it? so let'sstart with the kitchen because that's where we're at. you typethe wifi password once, place the battery on a flat surfaceand place phone right next to it.
so the battery and the phonespeaking to each other right now. that's exactly right andonce that information is transferred, now the batterycommunicates through wifi to the cloud all the way back to thephone. incredible i can keep thesame smoke detector! absolutelty, so that's oneoption. however people don'tjust realize that smoke alarms expire after ten years.
weactually have developed a two smoke alarm, the two hundred issmart fire and smoke alarm. therc400 will only detect fire and smoke and also natural gas andco carbondioxide. or you canalso add friends and neighbors to it, so that when an alertgoes out it's not just you that's notified but also yourtrusted friends and neighbors. there is one more great benefitwe have over five years of battery life in a typical smokealarm.
and om top of that wewill let you know way in advance that the battery is running lowand it needs replacement. that'sgreat news because i have been certainly woken up in the middleof the night, with my smoke detector chirping. veryannoying, so thank you so much for explaining how the roostbattery works. for informationyou can go to getroostdotcom or (music)for information on anything you
have seen on today's show or tolearn how to be apart of the show go to designingspacesdottv. you can visit these websites tolearn more about the participants on this edition ofdesigning spaces. making a spaceyou can call home, living the lifestyle you desire it's what we're all about, we aredesigning spaces.
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