14 Things You Should Know About Air Conditioning

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1. My home summer air conditioning bill is bigger per month than the winter heating bill per month. Traditional air conditioning is less efficient than heating and natural gas is less expensive than electricity.

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2. Air conditioners have two motors that use electrical power. The compressor is the machine that makes the refrigerant cool the air. The other motor drives the fan that moves the air. Motors are energy hogs.

3. Every degree that you set your thermostat below 78 increases your air conditioning cost by 3 to 4%.

4. While your AC is working normally, you should feel the amount of airflow from your window unit or register for central units. You need to know what is normal to be able to trouble shoot problems.

5. Use a thermometer to check the room temperature and the temperature of the air that the AC is putting out. The air coming out of the AC should be about 20 degrees F cooler than the room temperature. Make a note what the difference is. This is good trouble shooting data for future use.

6. Air conditioning reduces the water vapor in the air turning it into liquid water. This makes us more comfortable by lowering the humidity in the home. The condensed water will flow down hill.

7. The water is supposed to drain outdoors from the back of a window unit, or to a basement floor drain for central air conditioning. There is a drip pan at the bottom of the window unit. There is a drip pan located under the cooling coil, inside the ductwork above your furnace for central air conditioning. The drip pan is there to catch the water and direct it the proper drain location. Seeing a lot of water going to the right place is very good news. It indicates that your AC is working as designed.

8. If water is draining to the wrong place, it can make an unpleasant mess. Window units should be tilted so the outdoor end is a little lower than the indoor end. If it is tilted, too much the wrong way water will drain into the house and make a mess.

9. Water from a central AC draining down inside of the furnace, will rust the furnace and destroy it before it wears out.

10. If the water is not draining, it will make ice and stop your AC from working. When the drip pan fills with water ice will start forming on the cold coil. The ice "grows upward" starting at the bottom of the cold coil. As the ice builds up it blocks the air flowing through the cold coil. You are likely to be unaware if the problem until the temperature in the house goes up. Given enough time a mixture of dust and dirt from the air, will plug the drain. Cleaning the drip pan and drain needs to be part of the pre-season maintenance.

11. How do you know when the coil inside the ductwork is iced up when you cannot see in there? If the fan is running but the airflow is reduced or stopped, it is iced up. See number 4 above.

12. If you do not take corrective action, the AC will continue to run wasting expensive electricity. The ice will continue to build up and the house will continue to get warmer. Action plan: Turn the AC off. Let the ice melt. Fix the drain problem. Turn the AC back on.

13. If the AC stops cooling but the air is flowing normally, the problem is not ice. If there is good airflow but the AC is putting out air that is not 20 degrees cooler than room temperature the problem may be due to low refrigerant level in the AC. See number 5 above. When the refrigerant leaks out the AC will continue to run wasting electricity. With low refrigerant, the AC will cool poorly and waste power.

14. What to do if your AC puts out a normal amount of air that is 20 degrees cooler than room temperature but the house does not cool down? The AC may be too small for the job. It needs your help. Action plan: Reduce the amount of outdoor hot air that is sneaking into the house. Shut off heat producing appliances and old style light bulbs. Close the storm windows and doors. Add more insulation to the attic. Spray water on the outdoor part of the central AC. Spray water on the house. Make shade for the house. Make shade for the AC. Buy another window unit. Pack up and move North.

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Car Buying Tips - Five Things You Need to Know to Avoid Hidden Fees and Additional Costs

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Before purchasing your next car, you're going to want to check for hidden costs, add-on fees, and other charges. You could end up spending hundreds, even thousands, of dollars over the lifetime of your loan.

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Once you've found the car you want, it's time to sit down with your sales rep to negotiate the terms of your contract. After a little back and forth on price, figuring out your interest rate, and calculating your monthly payment, you're ready to sign on the dotted line, right?

Not so fast.

When you read the fine print you may find that additional fees and charges have found their way into your contract - including add-ons you didn't necessarily ask for.

Most car buyers are so focused on getting the best interest rate and negotiating the most affordable monthly payment that they're unconcerned with the fine print of the contract. By the time they get to the step where they review and sign the paperwork, if the sales rep is throwing industry terms at them that they don't fully understand, they're becoming exhausted from the entire process and just want to get it over with.

Here are a few insider tips to make sure you don't regret signing those papers.

1.) Read the Fine Print

While this seems pretty obvious and self-explanatory, it's amazing how trusting the consumer can be. Honestly, the last time you bought a car, did you read and fully understand the contract before you signed it? Probably not. Most people don't.

Some unscrupulous car dealerships are betting on that. Because most people don't read the fine print, some sales reps can slide in additional, undisclosed charges or extras with huge mark-ups to their profit.

Also, make sure there are no blank spaces on your finance contract that can be filled in later - wherever there are blank spaces, write in "" or "N/A."

2.) Typical Extras

Most of us are familiar with learning about the standard features of an automobile and then figuring out which additional features we are willing to pay extra for, but here are some extras to look out for when reviewing your contract:

Rust proofingExtended warrantyFabric protectorCar alarm (including Lojack, a device police use to find your car if you report it stolen)Paint sealantCredit life insuranceGAPWindow etching

The value of such extras depends on individual customer needs and situations. If the sales rep attempts to tell you that some or all of these extras are standard for every vehicle on the lot, ask to order your car from the factory, or suggest the dealership trade with another dealer that hasn't pre-packaged their vehicles.

Extra products can add thousands to the negotiated price of the vehicle. Most products fill a customer need that when priced and disclosed correctly and can add real value to the whole transaction.

The problems with extras occur in two areas. First, when the sales rep doesn't spend the time necessary to determine which products fit the specific needs of the customer. Rather than suggest specific extras individually priced, the sales rep lumps all the products together and pushes you to buy them as a package.

Second, unscrupulous sales reps can add thousands of dollars to the amount financed for these products, but not disclose the price increase until the last possible moment, when the financing contracts are being signed.

3.) Documentation and Administration Fees

Federal, state, and local governments are pushing more and more of their regulatory cost onto the local dealerships. In an effort to offset some of these fees and services dealers are required to perform, most add, a documentation or administration fee to the total cost of the transaction. Depending on state and local regulations, fee adding 0 to 0 seem reasonable and cover most of these additional items. These services include:

Duplicate Title FeesNotice of Security Interest (to perfect lien)30-day PermitsFederal terrorist matching data basesFederal information privacy requirementsState vehicle id verificationHighway Patrol Inspections for out-of-state titlesRegistering leases at customer's county of residenceCarfaxFedEx charges/Shipping chargesAdditional title addendumsTruth in lending record retention Some dealers have taken up the practice of marking up documentation and administrative fees and are now charging as high as 0 to 0 per sale. A few are even higher. The charge for most of these fees seems to be more based on getting a customer to pay extra after the customer has finished negotiating, not the average amount it cost to get most deals through various state and federal regulations, as implied.

4.) Ask for a Menu System Disclosure

The best disclosure method I've seen in years involved using a menu system. On a separate sheet of paper the rep produces a document that includes:

The negotiated price of the vehicle or trade difference

The additional price of suggested extras (these can be shown as various option packages that may save money when bought in combination and as individually priced options)

New totals initialed by both parties

This procedure makes sure that any suggested extras are properly explained and disclosed. It also allows the customer time to consider each item separate from the longer and potentially confusing finance documents. The final numbers from the menu should get carried over directly to the finance document.

5.) Other Costs

When buying a car, remember that there are other "hidden" costs (or, costs that aren't usually considered), that go beyond the dealership.

During the lifetime of your vehicle, you're going to have to pay for registration and tags, taxes, insurance, oil changes and fuel every year, and periodically pay for maintenance and repairs. Older models (cars more than 3-5 years old) may cost less up front, but you will likely need to factor more maintenance and repair costs into your budget than if you bought a newer model. While new models need fewer repairs and maintenance work, you will have to pay more up front.

Your wallet does not have to go through the ringer the next time you decide to visit a new or used car dealer. You can protect yourself from blindly signing into an unfavorable car deal by doing your homework, going to a car dealership with a good reputation, being prepared, asking questions, and double checking behind your sales rep.

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