1. Drafty Windows: Leaky window frames can account for 10-25% of your heating costs. Apply new latex to frame to decrease heat loss.
2. Mystifying Utility Bill: Most homeowners bill s down breakdown cost by category. You can hook up your appliances to smart plugs to monitor usage by type.
3. Damaged Fireplace: Up to 20% of warmed air can escape through your chimney flue. Hire a chimney sweep to clean and check the damper to seal.
4. “Phantom” appliance and electronics: Electronics that are always “on” can be adding up to 10% of your electric bill.
5. Old Water Heater: Old heaters are lined with fiberglass, not the foam used today. Some utility companies offer rebate on heater jackets, check yours today.
6. Under-the-door infiltration: Most homeowners neglect to weather strip under the door, see if you are missing this vital step.
7. Leaky Ductwork: Tape sealing your pipes joints can dry out over time. You can patch small holes or apply HVAC foil to re-seal joints.
8. Overworked Fridge: The door seal can build up dirt and lose its seal over the years. If you feel no resistance when opening the door then it’s time to clean the rubber gaskets.
9. Exterior Wall Openings: Holes for sewer, phone and exhaust vents are typically poorly or uninsulated. Fill gaps with silicone chalk or polyurethane foam.
10. Attic Hatch: A flimsy piece of plywood can suck out as much as an open fireplace chimney. Secure foam to the backside of the hatch to prevent leakage.
11. Uninsulated Switches: A thin metal plate will not prevent air leakage. Install a precut foam gasket to prevent air from escaping.
12. Outmoded furnace: Check the make date of your furnace, those made before 1992 are only up to 55-78% efficient.

Hopefully these tips will help you save money on your next Energy bill!

Stay tuned for Leadpile’s new Home Improvement offer when you can find local contractors to help you with these easy fixes.

Monthly costs: Mortgage, taxes, insurance and regular fix-up costs

Tax Credit: Keep your eye’s open for a possible extension on the first home buyer tax credit if you were not lucky enough to take advantage already

Getting a Government-Backed Loan: Mortgages by the Federal Housing Administration are becoming harder to receive. Buyers with a credit score of 580 or less are now required to put a 10% down payment.

Avoid Family-Assistance Tax Traps : Structuring parental assistance as a bona fide loan with minimum interest rates set by the IRS. (Nolo.com)

Consider buying a foreclosure: Phoenix, Las Vegas & Central Florida have the best foreclosure markets.

Factor in property taxes: research the specific county that you are looking to buy in, some can be very costly in property taxes!

Shop around for Title Insurance

Consider High-Deductible Home Insurance: Consider lowering your homeowners’ insurance premium by raising the deductible.

Cut Insurance Cost By Upgrading: Security systems and smoke alarms are both upgrades that can cut your insurance premiums.

Phoenix June 30th, 2009 — LeadPile, The World’s Largest Online Exclusive Lead Exchange announced today record results for its MicroClick Form (http://www.microclick.com) in June, 2009. LeadPile reports a record number of Lead Verticals being served by its MicroClick Form with Lead Sellers producing leads in 61 different verticals in the month of June. This makes the LeadPile MicroClick Form the most widely used Multi Vertical Lead Generation Form in the lead Marketplace and Lead Exchange Industry.

LeadPile’s Centralized Online Exclusive Lead Marketplace supports thousands of affiliates that use the exchange to sell to suitable lead buyers. By using the LeadPile MicroClick Form, Affiliates can focus on driving traffic to their pages and not on managing lead buyer relationships. Over 90% of LeadPile’s active affiliates are currently using the MicroClick form, offloading the responsibility for lead collection, management, technology infrastructure, and quality control to LeadPile.

Astoundingly, LeadPile’s MicroClick form has been used to produce leads as diversified as Tax Debt Relief, Home Improvements, Business Loans, Health Insurance, Equipment Leasing, Credit Card Processing, Cash For Gold and more.

Andrew Jacob, CEO of LeadPile says, “The LeadPile MicroClick Form allows us to handle leads across multiple verticals, including payday, starter credit, debt consolidation, credit repair, bankruptcy, auto financing, and homeowner. While the majority of leads currently being exchanged in the  Marketplace are in the Financial sector, the fact that Lead Sellers are using the MicroClick form to produce leads in over 60 verticals is very rewarding for our team.

Jacob adds, “I would like to personally thank our existing Lead Buyers and Leads Sellers for their business, and it is our promise to everything we possible can to help them in their efforts by continuing to provide the type of technology infrastructure and transparency that they have come to both expect, and deserve, from LeadPile.

To read more, please visit http://www.LeadPile.com/

Recently, while researching the loan modification lead type, I came across some very interesting (and helpful) information about loan modification. This is something that Leadpile Lead Exchange currently is not generating, however we are currently doing the much needed research to roll out this new lead type.
After speaking with a representative (Souban Houn) who is working in the industry, here is what she informed me that are some “events” that would make a consumer potentially eligible for loan modification.
Generally, loan modifications are considered by the lenders under the premise that the borrowers experiences some sort of hardship that resulted in their falling behind on payments. For instance:

Adjustable Rate Mortgage Reset- Payment (uncommon, but we will see more lenders accept this in the future)
Illness
Loss of Job
Reduced Income
Failed Business
Job Relocation
Death of Spouse or Co-Borrower
Death
Incarceration
Divorce
Marital Separation
Military Duty
Reduced Income
Medical Bills
Damage to Property (natural disaster or unnatural)
Overall, these are “events” that could happen to anyone unexpectedly. Therefore, this seems like a good alternative to going into foreclosure. The unfortunate thing is, some went into these mortgages already in a very tight situation financially, and nothing major has happened to them. However, now the rate is about to adjust and that just makes the difference between paycheck to paycheck TO falling months behind on the mortgage. Tough situation for both lenders and consumers.
Stay tuned for this lead type to be rolled out in our marketplace. There are a lot of consumers needing this assistance, and a lot of people like Ms. Houn looking to assist these customers (if they can).