Newstime

Follow Us On:

Insiders

    Tips on Air Filter in Your Furnace

    Which way does an air filter go in a furnace? On your new filter, find the arrow that indicates the proper air flow direction. This tends to confuse everyone more than anything else. That arrow must always face toward the furnace and away from the return duct that carries... Read more


    How Can You Leave the Legacy You Desire?

    You may not see it in the greeting card section of your local drugstore, but August is “What Will Be Your Legacy Month.” So it’s a good time to think about the type of legacy you’d like to leave. Of course, “legacy” can mean many things. In the broadest... Read more


    You Can Still Gain Tax Benefits from Charitable Donations

    Like most people, you probably know several organizations worthy of your philanthropy, and you may well have contributed to them, perhaps on an annual basis. In the past, when you’ve made charitable donations, it’s been a win-win: You were able to provide support to a worthy organization and you... Read more


    Should I Zone My Home’s HVAC?

    Do you have areas in your home that are hot in the summer or cold in the winter? Consider having your system zoned with a damper system. Top 3 Reasons Why… Comfort The main benefit of HVAC zoning is improved comfort. Many homes have hot or cold spots that... Read more


    Use it or Lose it

    You probably know one of the best ways to keep our body healthy and in good working order is to use it – that means getting regular exercise, taking the stairs instead of the elevator and getting your steps in for the day.  Conversely, when we don’t move and... Read more


    Why is Air Conditioning Maintenance Important?

    Air conditioners need yearly maintenance to maintain proper performance. With the proper maintenance your air conditioning and heating equipment will work more economically and be more dependable for years to come. With a few easy and routine procedures you can keep your unit at peak performance and get the... Read more


    10 Tips for Connecting to Someone With Dementia

    Reprinted from Next Avenue® Talking with someone hindered by dementia can be difficult. Try these strategies. We aren’t born knowing how to communicate with a person with dementia — but we can learn. Improving your communication skills will help make caregiving less stressful and will likely improve the quality... Read more


    Mother’s Day – Financial Gifts for Your Adult Children

    Mother’s Day is almost here. If you’re a mother with grown children, you might receive flowers, candy, dinner invitations or some other type of pleasant recognition. However, you might find that you can get more enjoyment from the holiday by giving, rather than receiving. The longest-lasting gifts may be... Read more


    Hearing Loss: Types of Hearing Loss

    A number of conditions can exist that cause a disruption in the hearing process and lead to hearing loss. The two most common types of hearing loss are sensori-neural and conductive. Sensori-Neural Hearing Loss Sensori-Neural (or “nerve” hearing loss) results from damage to the hair cells, nerve fibers or... Read more


    Should I Zone My Home’s HVAC?

    Do you have areas in your home that are hot in the summer or cold in the winter? Consider having your system zoned with a damper system. Top 3 Reasons Why. Comfort The main benefit of HVAC zoning is improved comfort. Many homes have hot or cold spots that... Read more


    Does the IRS owe you money?

    The IRS estimates that it owes over $23 million to taxpayers in the state of Missouri and time is running out fast for them to claim it. According to the IRS, there are about 23,000 Missourians who have not yet filed a tax return for 2014 even though they... Read more


    The pricing myth of properties that need attention

    A dated property is not positioned for a retail price. The problem is that the homeowner looks at sale prices of properties that are conditioned and staged to sell and calculates the cost to update their property. When a property is in the $400,000 range and needs $20,000 of... Read more


    Understanding dementia a key to compassionate care

    Alzheimer’s disease is one of the more prominent forms of dementia, but there are many additional types of dementia that also can cause both physical and cognitive alterations. Understanding the complexity of dementia can be beneficial to both dementia sufferers and their caregivers. Dementia is a general term used... Read more


    Last chance to get these tax deductions

    After this tax season, several tax deductions are set to disappear – although the old adage “never say never” certainly applies to anything Congress has the power to change.   Personal Exemption: The new “Tax Cuts and Jobs Act” has eliminated the personal exemption that taxpayers may claim for... Read more


    Hearing Loss: How Our Hearing Works

    The improved ability to hear has a tremendous impact on the quality of the life for both with hearing loss and their families.  Having a good understanding of how your hearing works and then knowing your options for the best help available through toady’s advanced hearing aid technology will... Read more


    Making your home aging appropriate

    Recently, my husband and I moved from a large house in O’Fallon to a small bungalow in St Charles. We know this will be our retirement house and our GROWING OLD house. We knew, when we bought it, we would have to make some modifications to the home to... Read more


    What is Involved in an AC Tune-Up?

    If you don’t know this already, regular maintenance for your heating and air conditioning units is very important. The people who don’t realize this are often those whose systems unexpectedly break down, leaving them without any heating or air conditioning during some of the most uncomfortable times of year.... Read more


    Multiple offers and escalation clauses

    As the market has become frenzied in some price ranges with multiple offers, the seldom used escalation clause is surfacing again.  Beware of the escalation clause! Consider the following:  A seller has a home listed for $300,000.  He receives an offer for $320,000 from Buyer Number 1, $20,000 over... Read more