Tips On Saving Money And Energy In Your Home

2y ago
19 Views
2 Downloads
2.33 MB
50 Pages
Last View : 19d ago
Last Download : 3m ago
Upload by : Jacoby Zeller
Transcription

Tips on SavingMoney and Energyin Your Home

Contents126Save Energy and Money TodayAudit Your Home’s Energy UseProfessional Energy Audits, DIY Energy Audits, Your Whole-House PlanWeatherize Your HomeAir Sealing, Insulation, Energy Efficient New Construction and Additions11 Heat and Cool Your Home EfficientlySmart and Programmable Thermostats, Air Ducts, Buying Heating and CoolingSystems, Home Heating, Heat Pumps, Home Cooling, Water Heating20 Design Your Home for EfficiencyLandscaping, Windows, Passive Solar Home Design, Cool Roofs25 Save Electricity and Use Renewable EnergyThe Smart Home and Your Utility, Appliances, Home Office and Electronics,Lighting, Renewable Electricity39 Renters and Rental Property OwnersRenters, Rental Property Owners40 Vehicles and FuelsSaving Money on Fuel, Buying and Driving Fuel-Efficient and AlternativeFuel Vehicles43 Financing, Incentives, and AssistanceFinancing, Incentives, Weatherization and Home Energy Assistance45 References and Resources

Save Energy andMoney TodayYou have the power to save moneyand energy in your own home. Savingenergy reduces our nation’s demandfor the resources needed to makeenergy, and improving your energyefficiency is like adding another cleanenergy source to our electric powergrid. The result is reduced utility billsand money in your pocket. Improvingyour energy efficiency can also improve the comfort of your home andyour quality of life.This guide shows you how easy it isto reduce your energy use at homeand on the road. You’ll find quick tipsyou can use to start saving today, aswell as information on larger projectsthat will help save you money overthe long term.Find even more information aboutsaving money and energy at home byvisiting our website, EnergySaver.gov.To learn more about U.S. Departmentof Energy (DOE) programs in energyefficiency and renewable energy, visitDOE’s Office of Energy Efficiency andRenewable Energy website at energy.gov/eere.The suggestionsin this guideand on theEnergySaver.govwebsite canhelp you saveenergy, savemoney, andimprove thecomfort of yourhome.1

Audit Your Home’sEnergy Use2The first step to improving the comfortand efficiency of your home is obtaining a home energy audit, also referredto as an energy assessment. A certified auditor evaluates your home andidentifies and prioritizes the recommended energy-saving improvements.You can also conduct a basic do-ityourself (DIY) energy audit.It also provides recommendations onhow to cost-effectively improve yourhome’s energy efficiency. Some ofthe information on the Home EnergyScore Report can be included in realestate listings and potentially influence home appraisals and financing.Visit homeenergyscore.gov to find apartner that offers the score.Professional Energy AuditsA more detailed home energy auditwill include diagnostic tests (such asa house air leakage test, duct air leakage test, or infrared scan) to identifyadditional areas for improvement.A professional home energy auditdetermines how much energy yourhome uses and evaluates steps youcan take to make your home moreenergy efficient. Some audits takeabout an hour, do not require specialized equipment, and are relativelyinexpensive. More thorough auditsrequire about four hours to complete,require specialized equipment, andare more expensive, but they providemore detailed information on yourhome’s energy use.Some home energy professionalsprovide a simple assessment calledthe Home Energy Score. Like a milesper-gallon rating for a car, the HomeEnergy Score is an easy-to-producerating designed to help homeownersand homebuyers gain useful information about a home’s energy performance. The Home Energy Scorehelps homeowners, buyers, and renters to compare U.S. homes in termsof estimated energy performance.Work with a certified energy professional trained in the use ofdiagnostic equipment that can findair leaks, areas lacking insulation,and inefficient or malfunctioningequipment. The energy professionalA professional home energy auditevaluates your home’s energy use andprovides steps to make your homemore efficient.

analyzes how well your home’s energysystems work together and comparesthe analysis to your utility bills. Adetailed energy audit will help youuse a whole-house systems approach when making improvementsor remodeling. Learn more about thisapproach in the Design for Efficiencysection of this guide.A home energy professional may conducta thermographic inspection to find airleaks in the home.An in-depth energy audit includesthree steps:1. Interview, tests, and inspection:In this phase, also known as the“test in,” a home energy professional interviews you about yourconcerns (comfort, high energybills, etc.), conducts safety andair leak tests, visually inspectsequipment and insulation, andchecks for signs of mold andmoisture. The home energyprofessional then providesrecommendations for steps thatwill reduce your energy bills andimprove your home’s comfort.2. Complete recommendedimprovements: Qualified contractors install the home energyprofessional’s recommendations.Some home energy professionalscan provide recommendations forcontractors to complete the work.3. Evaluate results: During this finalphase, also known as the “testout,” safety tests and visualinspections are used to evaluatethe contractor’s work. Not allhome energy professionals offerthis service; ask yours whetherit is part of the energy audit orif you can request this follow-upevaluation.Find a home energy professionalto help you obtain a more detailedenergy audit by visiting HomePerformance with ENERGY STAR at energystar.gov/hpwes. You’ll beable to find local programs thatwork with qualified, vetted contractorstrained to diagnose and improveyour home according to the latestbuilding technologies and standards.Home Performance with ENERGYSTAR programs are required to havethe quality of the contractors’ workchecked by third parties to makesure homeowners receive servicesthat comply with industry standardsand program requirements. Programsmay be able to help you find rebates,a low-interest loan, or other financialincentives.You can also obtain detailed auditsand contracting services from homeenergy professionals certified by the3

Residential Services Network(resnet.us) or the Building Performance Institute (bpihomeowner.org).Some utilities may operate programsthat offer assessments and mayprovide access to contractors whowork with the utility.DIY Energy Audits4You can use the Home Energy Savertool to conduct a do-it-yourselfaudit. Home Energy Saver can alsohelp you plan next steps followingyour DIY energy audit (hes.lbl.gov/consumer).Your Whole-House PlanAfter you know where your home islosing energy, use your findings tomake a plan. Create a whole-house,systems-based plan that considershow any one change will affect theenergy efficiency, comfort, durability,health, and safety of the wholehouse. Remember that changes inyour energy usage habits are important, but a plan that considers how allfeatures of your house work togethercan achieve the greatest savings.Plan your habit changes. Considerthe questions below and review theother sections of this guide for additional ideas. Do you forget to turn off lights andelectronics? Which items could beunplugged when not in use? Seethe Home Office and Electronicssection for more information. Are you using window coveringsfor maximum heating, cooling, andlighting benefit? See the Windowssection for more information. Could you take advantage oftime-of-day electricity rates andcomplete activities that use largeamounts of energy—such aslaundry and dishwashing—at night?See the section on Saving Electricity and Use Renewable Energy formore on these utility offerings. How can you adjust your heatingand cooling to save energy?See the Heat and Cool Your HomeEfficiently section for moreinformation.Plan your projects. Make a timelineof projects to do now, in the nearfuture, and over the long term. Startby sealing air leaks and move on toother weatherization projects; seethe Weatherization section forinformation. Also ask yourself thefollowing questions: Where are the greatest energylosses in your home? What projects would providethe greatest return on time andmoney investment? How long will it take for an investment in energy efficiency to pay foritself in energy cost savings? TheHome Energy Saver tool providesestimates for return on investment,yearly savings, and payback times(hes.lbl.gov/consumer).

How long do you plan to ownyour current home? What would help make yourhome most comfortable now?What projects should you planfor the future? What can you do yourself?What should you hire out?What is your budget?Purchase materials andcomplete projects. Search for federal, state, local, andutility incentives such as tax creditsand rebates on the Database ofState Incentives for Renewablesand Efficiency (dsireusa.org). Seethe section on Financing, Incentives, and Assistance for moreinformation. Visit EnergySaver.gov for guidesand videos that show you how tocomplete DIY projects, includingcaulking, weatherstripping, installingstorm windows, and improving yourwater heater efficiency. See theWeatherization section for moresteps to get �–––––––––––––5

Weatherize YourHomeWeatherizing your home helps yousave money by saving energy, andit can also improve the comfort ofyour home. Home weatherizationincludes sealing air leaks andadding insulation.6Air SealingAir leaks are among the greatestsources of energy loss in a home.One of the quickest energy- andmoney-saving tasks you can do iscaulk, seal, and weatherstrip allseams, cracks, and openings to theoutside. By sealing uncontrolled airleaks, you can save 10%–20% onyour heating and cooling bills. Following your energy audit, you may have anumber of recommended energysaving projects you are considering.Prioritize weatherization projects toquickly improve the efficiency andcomfort of your home.To identify air leaks, check aroundyour walls, ceilings, windows, doors,lighting and plumbing fixtures,switches, and electrical outlets. Lookfor gaps, improperly applied caulkand weatherstripping, and doors andwindows that don’t close tightly.On a windy day, carefully hold a litincense stick or a smoke pen next toyour windows, doors, electrical boxes,plumbing fixtures, electrical outlets,ceiling fixtures, attic hatches, andother places where air may leak. Ifthe smoke stream travels horizontally,you have located an air leak.After you identify all air leaks, do thefollowing: Weatherstrip doors and windows. Caulk and seal air leaks whereplumbing, ducting, or electricalwiring comes through walls, floors,ceilings, and soffits over cabinets. Install foam gaskets behind outletand switch plates on walls. Use foam sealant on larger gapsaround window trims, baseboards,and other places where air mayleak out. Check for open fireplace dampersand make sure they properly close. Consider an inflatable chimneyballoon to seal your fireplace fluewhen not in use. Fireplace fluesare made from metal, and repeatedheating and cooling can causethe metal to warp or break overtime, creating a channel for airloss. Inflatable chimney balloonsare made from durable plastic andcan be removed easily and reusedhundreds of times. If you forget toremove the balloon before makinga fire, the balloon will automaticallydeflate within seconds of cominginto contact with heat.

Where to Air Seal in a Home1 Plumbing andutility access2 All ducts83 Sill plates71141694 Outlets andswitches5 Water andfurnace flues106 Recessed lights7 Attic entrance328 Chimney flashing59 Dropped ceilings10 Door frames11 Window frames Seal air leaks around fireplacechimneys, furnaces, and gas-firedwater heater vents with fire-resistantmaterials such as sheet metalor sheetrock and furnace cementcaulk. Install an insulated box to sealleaky attic stairs. Visit EnergySaver.gov for DIY instructions.InsulationAfter you complete air sealing,consider whether you need to addinsulation. Insulation is essential forreducing heat flow through a home’sbuilding envelope (the parts of thehome that separate the interior fromthe outside elements, including thewalls, roof, and foundation). Thegreater the difference between theindoor and the outdoor temperatures, the more energy it will taketo maintain a comfortable temperature in your home.Adding insulation between the indoorsand the outdoors reduces that energydemand, improves the comfort of yourhome, and saves you money.R-ValueAn insulation’s R-value is a measureof its resistance to heat flow; thehigher the R-value, the greater theinsulating effectiveness. R-value isdependent on the type of insulationand the thickness. When purchasinginsulation, refer to the insulationpackaging or the paper backing ofrolled insulation to find the R-value.How Much Insulation?Consult the ENERGY STAR recommended insulation levels for retrofitting existing wood-framed buildings7

U.S. Department of Energy Recommended*Total R-Values for New Wood-Framed Houses8All of Alaska in Zone 7 except for thefollowing Boroughs in Zone 8:BethelNorthwest ArcticDellinghamSoutheast FairbanksFairbanks N. Star Wade HamptonNomeYukon-KoyukukNorth SlopeZone 1 includesHawaii, Guam, PuertoRico, and the VirginIslandsAdd Insulation to AtticZoneUninsulated AtticExisting 3–4 Inchesof InsulationFloor1R30 to R49R25 to R30R132R30 to R60R25 to R38R13 to R193R30 to R60R25 to R38R19 to R254R38 to R60R38R25 to R305 to 8R49 to R60R38 to R49R25 to R30Wall Insulation: Whenever exterior siding is removed on anuninsulated wood-frame wall: Drill holes in the sheathing and blow insulation into the empty wall cavity beforeinstalling the new siding, and Zones 3–4: Add R5 insulative wall sheathing beneath the new siding Zones 5–8: Add R5 to R6 insulative wall sheathing beneath the new siding.insulated wood-frame wall: For Zones 4 to 8: Add R5 insulative sheathing before installing the new siding.* These recommendations are cost-effective levels of insulation based on the best available information onlocal fuel and materials costs and weather conditions. Consequently, the levels may differ from current localbuilding codes.Source: ENERGY STAR

to determine how much insulationyou should consider adding to yourhome. For masonry sidewalls (suchas concrete block or poured concrete),it is sometimes feasible to installrigid insulation on the outdoor side.However, if that is not an option, youcan use rigid insulation boards orbatts to insulate the interior of masonry walls. A home energy professional can help you evaluate optionsfor your specific home.Consider factors such as your climate,home design, and budget whenselecting insulation for your home.A home energy professional may beable to help you decide what type ofinsulation is best for you.The Home Energy Saver tool canalso provide recommendations foryour home (hes.lbl.gov/consumer).Types of InsulationInsulation is made from a variety ofmaterials, and it usually comes infour types: rolls and batts, loose-fill,rigid foam, and foam-in-place. Thetype of insulation you should choosedepends on how you will use it andon your budget. Also visit EnergySaver.gov for more information abouttypes of insulation.Rolls and batts—or blankets—areflexible products made from mineralfibers, such as fiberglass and rockwool, as well as recycled fibers suchas denim. They are available inwidths suited to standard spacing ofwall studs and attic or floor joists.Loose-fill insulation is usually madeof fiberglass, rock wool, or cellulosein the form of loose fibers or fiberpellets. It should be blown into spacesusing special pneumatic equipment.The blown-in material conforms readily to odd-sized building cavities andattics with wires, ducts, and pipes,making it well suited for places whereit is difficult to effectively install othertypes of insulation.Rigid foam insulation is typicallymore expensive than rolls and battsor loose-fill insulation, but it is veryeffective in exterior wall sheathing,interior sheathing for basementwalls, and special applications suchas attic hatches.Foam-in-place insulation can beblown into walls, on attic surfaces,or under floors to insulate and reduce air leakage. You can use smallpressurized cans of foam-in-placeinsulation to reduce air leakage inholes and cracks, such as windowand door frames and around electricaland plumbing penetrations. There aretwo types of foam-in-place insulation:closed-cell and open-cell. Both aretypically made with polyurethane.Caution: installing foam insulationrequires that you wear personal protective equipment, maintain adequateventilation, and take other safetymeasures. Consider hiring a professional to install foam insulation.Use higher R-value insulation, suchas spray foam, on exterior walls andin cathedral ceilings to get moreinsulation with less thickness.9

If your attic has enough insulationand proper air sealing, and yourhome still feels drafty and cold inthe winter or too warm in the summer, your heating or air conditioningsystem may not function properly,or you may need to add insulationto the exterior walls. Consult with ahome energy professional to evaluate whether your HVAC system hasdesign or equipment issues, or if youneed additional insulation.10If you replace the exterior siding onyour home, consider adding insulation at the same time.Air Sealing and InsulationProjectsSee the References section for linksto DIY air sealing and insulation project steps and instructional videos.Energy Efficient NewConstruction and AdditionsIn many jurisdictions (but not all), ifyou build a new home or an additionto your current home, the contractormust meet the requirements of thelocal building code related to energyefficiency. Building energy codes areissued by the International EnergyCodes Commission (IECC) and updated every 3 years. State and localjurisdictions adopt the IECC codesand may choose to amend them.Ask your local building code officewhich version of the IECC your contractor is required to follow. If thelocal code is older than the latestIECC, consider building an ENERGYSTAR Certified New Home or a ZeroEnergy Ready Home.An ENERGY STAR Certified NewHome has integrated systems andfeatures such as high efficiency heating and cooling, complete thermalenclosure systems, efficient lightingand appliances, and water protectionsystems. Independent inspectorsensure that the home meets theprogram requirements. Homesearning the ENERGY STAR label use15%–30% less energy than typicalnew homes and even more whencompared to most resale homeson the market today. Learn more atenergystar.gov/newhomes.A Zero Energy Ready Home is so energy efficient that a small renewableenergy system can offset all or mostof its annual energy consumption.Zero Energy Ready Home requirements include all ENERGY STARCertified Home requirements, plusadditional requirements that bringunparalleled performance. DOE ZeroEnergy Ready Homes are verified bya qualified third party and are atleast 40%–50% more energy efficientthan a typical new home. Learn moreat energy.gov/eere/buildings/zeroenergy-ready-home.

Heat and Cool YourHome EfficientlyHeating and cooling together are thelargest energy users in your home,typically making up about 35%–40%of your energy use.No matter what kind of heating andcooling system you have in yourhouse, you can save money andincrease your comfort by properlyusing, maintaining, and upgradingyour equipment. But remember, anyupgrades to heating and coolingequipment should consider the effecton all areas of the house (known asa whole-house, systems-based approach) to maximize energy savingsand ensure health and safety. Mostimportantly, work with a contractorto ensure that the upgraded heatingand cooling system is both properlysized for your house and installed todeliver its full capacity.Smart and ProgrammableThermostatsBeing smart about how you controlyour temperature settings will helpyou save money and stay comfortablein your home. You can save as muchas 10% per year on heating andcooling by turning your thermostatdown 7 –10 F for 8 hours a day inthe fall and winter; turn it up in thespring and summer. (If you have aheat pump, don’t do this without asmart or programmable thermostatdesigned for use with heat pumps.)A smart thermostat is a Wi-Fi enableddevice that automatically adjustsheating and cooling temperature settings for optimal performance. Smartthermostats that earn the ENERGYSTAR label have been independentlycertified, based on actual field data,to deliver energy savings.11Log in remotely to control yourthermostat while away from home.Smart thermostats provide convenience, insight, and control. Whilesystem designs vary, the followingare common smart thermostatfeatures: Learning the temperature you likeand establishing a schedule thatautomatically adjusts to energysaving temperatures when you areasleep or away Providing data on home energy usethat you can track and manage Allowing you to control home heating and cooling remotely throughyour smartphone or tablet.

ENERGY STAR certified smart thermostats are also designed to becompatible with incentive programsoffered by some utilities. Theseincentives reward customers in waysthat help utilities manage energyavailability and reliability.A programmable thermostat will automatically turn on the heating or airconditioning at times you schedule.Programmable thermostats can storemultiple daily settings that you canmanually override without affectingthe rest of the daily or weekly program.12Smart thermostats are generallyeasier to use and have more reporting and interactive features thanprogrammable thermostats. Programmable thermostats need to be set upto turn the temperature up or downon a schedule and usually don’t haveinteractive features, but they arecheaper than smart thermostats.Air DuctsAir ducts are one of the most important systems in your home, asthey carry the air from your home’sfurnace and central air conditionerto each room. If the ducts are poorlysized, poorly sealed, or poorly insulated, they are likely contributing tohigher energy bills.You can often address discomfortfrom heating and cooling by fixingblocked registers, stuck dampers,or disconnected or damaged ducts,or by replacing register grilles thatdon’t direct the air adequately.Seal ducts at joints to prevent heatedor cooled air from leaking out orunconditioned air from leaking intothe ducts.Ducts that leak air into an attic orcrawl space can add hundreds ofdollars a year to your heating andcooling bills. Insulating and sealingducts in unconditioned spaces isusually very cost effective. If thesupply ducts are leaking, heatedor cooled air can be forced out ofunsealed joints and lost. In addition,unconditioned air can be drawn intoreturn ducts through unsealed joints.If you are installing a new ductsystem, talk to your contractor aboutoptions for locating the ducts inInsulate ducts that are located inunconditioned spaces.

conditioned spaces or insulating anyducts that will run outside conditionedspaces.Hire a qualified professional toperform changes and repairs to aduct system. All duct sealing shouldbe tested by a qualified professionalto ensure combustion safety andproper air flow.Buying Heating andCooling SystemsIf you plan to buy a new heating orcooling system, ask your contractorabout the latest technologies on themarket. See our Financing, Incentives,and Assistance section for information on searching for incentives.When buying a new heating or coolingsystem, look for the ENERGY STARand EnergyGuide labels to compareefficiency and ensure quality.Your contractor should provide youwith information on the following: Safety and cost effectiveness ofrepair versus replacement Heating and cooling system options Fuel types and prices in your region Required permits and building codecompliance Calculations for proper sizing foryour home Other home efficiency improvements that should be made.New energy efficient heating orcooling equipment alone can reduceenergy use by 20% or more, butcombining a new system with recommended insulation, air sealing,and thermostat settings can cut yourheating and cooling bills in half.Read ENERGY STAR’s “A Guide toEnergy-Efficient Heating and Cooling”to learn how to work with a certifiedtechnician to ensure a quality installation. (See References for URL.)Home HeatingConsider replacing your existingheating system if any of the followingare true: Your heating system is more than15 years old. The system is broken and repairswould cost more than half the costof replacing it. The heating system is veryinefficient.Furnaces are the most common wayto heat a home in the United States.Central forced-air furnaces distributeheated air through the house viaducts. Most are fueled by natural gas;others use electricity, oil, or propane.Boilers use natural gas, oil, electricity,or propane to heat water (for steamor hot water) that is distributed viapipes to upright radiators, baseboardconvectors, or radiant floor tubing.Combination units can provide spaceand water heating.13

14For both furnaces and boilers, tellyour contractor you are interestedin models with a high annual fuelutilization efficiency, also known asAFUE, which is a measure of heatingequipment efficiency.see the section on Passive Solar formore information.Electric heating includes centralforced-air electric furnaces, as well aswall-mounted or baseboard heating.Electric heat can be more expensivethan other fuel options. If electricityis the only choice, heat pumps arepreferable in most climates. Clean or replace filters on furnacesonce a month or as recommended.Heat pumps are an efficient optionfor all-electric houses or houses withcentral propane or oil. Heat pumpsare generally air-source or groundsource and can be used for bothheating and cooling. See the sectionon Heat Pumps for more information. Eliminate trapped air from hot-waterradiators once or twice a season;contact a professional if you’reunsure how to perform this task.Wood and pellet-fuel stoves heathomes using biomass or wastesources. Look for EPA-certified woodstoves and fireplace inserts forcleaner, more efficient burning. Visitepa.gov/burnwise for options.Visit EnergySaver.gov for more detailed information on each technology.Heating Tips Clean warm-air registers, baseboardheaters, and radiators as needed;make sure they’re not blocked byfurniture, carpeting, or drapes. Place heat-resistant radiator reflectors between exterior walls and theradiators. Open draperies and shades on yoursouth-facing windows during theday to allow the sunlight to enteryour home. Close them at night toreduce the chill from cold windows.Active solar heating uses the sun toheat air or liquids. The heat is thenducted or blown into living spaceor stored for later use. Solar waterheaters can preheat water for radiators or radiant floor heat. Both liquidand air systems can supplementforced air systems (i.e., furnaces orheat pumps).Passive solar home design can alsoimprove the comfort of the home andreduce heating and cooling costs;Clean or replace furnace filters once amonth or as needed.

Heat PumpsHeat pumps can be used for bothhome heating and home cooling.They are the most efficient form ofelectric heating, providing up to threetimes more heat than the energy theyuse. Heat pumps can reduce yourelectricity use for heating by approximately 50% compared to electric furnaces or electric baseboard heaters.A heat pump heats your home bycollecting heat from the air, water, orground outside and concentrating itfor use inside. It does double duty asa central air conditioner by collectingthe heat inside your house andpumping it outside.Air-source heat pumps transfer heatbetween your house and the outsideair. They are the most common typeof heat pump and can be used in allclimates.Cold-climate air-source heat pumpsare designed specifically for coldclimates.Ductless mini-split heat pumps areair-source heat pumps that can beinstalled in homes or additions without ducts. They are small in size andoffer flexibility for zoning or heatingand cooling individual rooms.Geothermal (or ground source) heatpumps transfer heat between yourhouse and the ground or a nearbywater source. Because they moveheat that already exists, geothermalheat pumps are among the mostenergy efficient and comfortableheating and cooling technologiescurrently available.Absorption heat pumps are drivenby a heat source such as naturalgas, propane, solar-heated water, orgeothermal-heated water. They usuallyonly make sense in homes withoutan electricity source.A dual-source heat pump combinesan air-source heat pump with ageothermal heat pump. These can beless expensive than a single geothermal unit and work almost as well.Heat Pump Tips Do not set back the heat pump’sthermostat manually if it causesbackup electric-resistance heatingto come on. This type of heating ismore expensive. Install or have a professionalinstall a smart or programmablethermostat with functions suitablefor a heat pump. Clean or change filters once amonth or as needed, and maintainthe system according to manufacturer’s instructions.Home CoolingAlthough air c

Save Energy and Money Today You have the power to save money and energy in your own home. Saving energy reduces our nation’s demand for the resources needed to make energy, and improving your energy efficiency is like adding another clean energy source to our electric power grid. The

Related Documents:

LSA Code International Life Saving Appliance Code – Resolution MSC.48(66) Chapter I General 1.1 Definitions 1.1 Definitions 1.1.1. Convention means the International Convention for the Safety of Life at Sea, 1974, as amended. 1.1.2. Effective clearing of the ship is File Size: 729KBPage Count: 50Explore furtherLife-Saving Appliances inc. LSA Code, 2017 Edition .fontanski.plInternational Life-saving Appliance (LSA) Codeindustrialgraphicsupply.com(PDF) LSA CODE INTERNATIONAL LIFE-SAVING APPLIANCE CODE .www.academia.eduLife-Saving Appliance LSA Code, 2017 Edition IMO Bookswww.amnautical.comLSA-Code International Life-saving appliance Code (MSC.48 .puc.overheid.nlRecommended to you b

yourself first‖ Activity 1: Pay Yourself First Worksheet Anyone who currently saves or wants to save money 12-14 10 Saving Tips Activity 1: Pay Yourself First Tips to saving money Worksheet Anyone who currently saves or wants to save money 15-19 10 How Your Money Can Grow Interest, compound interest, annual vs. daily compounding,

Blank Project Management Templates Saving Time! Saving Money! . small quick delivery (less than a month), others large long term projects which cost significant sums of money. . Score as follows, for Likelihood and Impact: High 3, Medium 2, Low 1 Nature of Risk or Uncertainty Likelihood High/ Medium/ Low Impact High/ Medium/ Low

and deployment of funds. Money market is the instrument which have less than one year as a maturity period. The most active part of money market is the overnight call money and term money between the Banks, Financial Institutions, as well as Call Money market transaction. Call money or Repo are the two short term money market products.

money. The Young Money Media group includes YOUNG MONEY magazine, youngmoney.com and YOUNG MONEY Live campus events. Subscriptions YOuNG MONeY Magazine 10950 Gilroy rd. Suite D Hunt Valley, MD 21031 888-788-4335, ext. 7 subscriptions@youngmoney.com YOUNG MONEY Magazine (iSSN-1098-8300) YOUNG MONEY is designed to provide

-PART ONE: FAKE MONEY - In 1971, President Richard Nixon took the U.S. dollar off the gold standard. In 1971, the U.S. dollar became fiat money government money. Rich dad called government money fake money. He also said: Fake money makes the rich richer. Unfortunately Fake money also makes the poor and middle class poorer.

Energy & Money at Home N o w A v a i l a b l e i n S p a n i s h Energy Savers: Tips on Saving Energy & Money at Home is available online at www.energysavers.gov. The booklet was developed in partnership with: Produced for the 1000 Independence Avenue, SW, Washington, DC 20585 By the National Renewab

your students to name as many food safety tips and cooking safety tips as they can. Discuss and decide which are the five most important tips in each category. Write the tips on the “Top 10 Kitchen Tips” handout.] Now that we have our Top 5 Food Safety Tips and Top 5 Cooking Safety Tips, we’ll div