Shari Sagan McGuirk - Sagan REALTORS ®



Posted by Shari Sagan McGuirk on 4/21/2016

Everywhere you turn people are saying "go green". More and more people are looking for alternatives to heat and power their homes. One alternative is solar energy. There are both benefits and pitfalls to solar energy. The Benefits •Solar power is predictable. It is easy to predict how much electricity your system will produce because the amount of sunlight that hits your roof doesn't vary that much. This means it is also easy to predict how much you will save in electric bills. •Solar power will lower your electric bill. Solar power will offset the usage of conventional electricity especially in places where the price for grid power is high — like California, Hawaii and much of the northeast. •Solar power is safe and clean. Solar energy systems produce emissions-free electricity. •Installing solar panels may also help you qualify for a tax credit. For more information on energy tax credits click here. The Pitfalls •Solar power can be predictable but it is also variable. In other words, it can be predicted on a long term basis but not on a daily or even weekly basis. For example, solar panels won’t produce electricity at night. •Solar power can be a more expensive alternative in the short term. The price of solar panels continue to fall but there are many aggressive financing options. If your state has no tax incentives and electricity prices are relatively low solar would be an expensive option for you. •Some homes just don't work. The roof must be in good condition with an unobstructed southern exposure. If the house is surrounded by trees and tall buildings solar panels will probably not work. A ground-mounted system is an option only if you have sufficient space in your yard.





Posted by Shari Sagan McGuirk on 2/18/2016

When times are tough you look to cut back anywhere you can. The price at the pump can be a real budget buster. There are ways to save on gas and get better mileage from your dollar. Slow down Speed is the biggest factor on fuel economy. Driving at 55 mph instead of 65 or 75 will save on gas. Tests have shown increasing speed from 55 mph to just 65 mph dropped fuel economy from 40 mpg to 35. While driving at 75 mph can cost the car another 5 mpg. Go smooth Keep a steady pace; avoid hard acceleration and braking if possible. Frequent acceleration and braking can reduce mileage by 2 to 3 mpg. Driving with smooth acceleration, cornering, and braking will also extend the life of the automobile. Don't be a drag When driving on the highway, more than 50 percent of engine power goes to overcoming aerodynamic drag. Carrying large items such as luggage racks and top-carriers reduce fuel economy. Warm Up Take the time to warm up the engine before taking off. Cars run most efficiently when they're warm. Stopping and starting the car several times is a big factor, try to combine several short trips into one so that the engine stays warm. Pump up Check your tires. Underinflated tires compromise handling and braking which in turn can reduce fuel economy. Check the pressure of your vehicle's tires to make sure they are correct. Keep moving Idling is one of the worst things your car can do, when idling your car is getting zero miles per gallon. Turn off your engine if you expect to sit for more than about 30 seconds. Practicing these simple tips should have you putting less money in your gas tank in more in your wallet in no time.




Tags: Save Money   money   gas  
Categories: Uncategorized  


Posted by Shari Sagan McGuirk on 2/19/2015

In today's economic climate protecting your financial health is more important than ever. From health insurance to your plans for retirement, there’s a lot to consider. Here are some tips from Family Wealth Management Group, LLC to help protect your assets and financial future. It is never too early to plan In order to plan, you need to know what you have. Review your pension plan, 401 (k), IRAs, Social Security benefits and other savings plans to assess whether they meet your long-term retirement goals and will generate an income stream to meet your projected expenses. Curb spending Time to take an inventory on how much you spend. Keep a log on trips to the market, afternoon lattes, dry cleaning and all of your miscellaneous spending. Try to eliminate a portion of these expenses. Once you track them you will realize you are spending more than you thought. Re-define your financial goals Ask yourself where you see yourself in five, 10 or 15 years. See if it is possible to redefine your goals. You may be able to retire earlier or pay for college. Set goals to achieve the things you want. Get help Professional advice about investment losses, financial products, insurance coverage and other important issues will help you make the right choices for your current financial situation.




Categories: Money Saving Tips  


Posted by Shari Sagan McGuirk on 1/15/2015

Who doesn't love a bargain? You can negotiate a deal for just about anything. Here is how to try your hand at bargain hunting at flea markets, yard sales, junk stores, antique malls, and thrift stores. Some helpful tips on how to haggle: Dress the part. If you are looking for a deal don't flaunt your designer handbag and shoes. You want the seller to believe you when you say you’re only willing or able to pay less. Be friendly. A smile and kind hello can go a long way when asking for a discount. Ask for the discount. You can't get what you don't ask for. Make a fair offer. If you offer too little you can insult the seller and they will be less willing to offer you a deal. Start your offer at a little more than half the asking price and expect to meet somewhere in the middle. Inspect the merchandise. If the item has a flaw nicely point it out to the seller. Make a group offer. Gather a group of items and offer one price for all of them together. This benefits the seller and they are typically more willing to make a deal. Pay in cash. Always buy in cash, sellers love cash (who doesn't). You may even want to take the money out of your wallet to show the seller you are serious.  




Categories: Money Saving Tips  


Posted by Shari Sagan McGuirk on 1/8/2015

The temperature is dropping and the heating bills are going up. Some quick and easy tips will have you saving money this winter on home heating bills. 1. Set your thermostat back. For every degree you set your thermostat back over eight hours, you’ll save about 1 percent on your heating bill each year. 2. Use a space heater. If you spend most of your time in one area of your home it is less expensive to use a space heater than turn up the heat in your entire home. 3. Open blinds during the day to let sun in. At dusk, close them to trap heat. 4. Inspect weather stripping around exterior doors. Replace old, cracked, or missing stripping. 5. If heat is escaping at your doors, attach a sweep to the bottom of the doors. Sweeps are flexible plastic strips that are easily screwed to door bottoms, and keep cold air out from below. 6. Fill gaps around windows with interior and exterior caulking. If cold air is coming in around the sashes, install appropriate weather stripping.