April 16, 2001

Welcome to 0nly4Homebuyers Issue 31.
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In This Issue:
How Much Can You Afford?
Energy Saving Strategies for your Office
More Tips and Tricks to Save Money
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How Much Can You Afford?
By Cindy Snyder

Most real estate industry experts will tell you that you can afford to
spend up to three times your gross annual household income when
determining how much you can afford to spend on a home. But, the
monthly price you can afford to pay typically depends on several key
factors:

1. Your Income.
2. The amount of cash you have available for a down payment.
3. The amount of cash you have available for the closing costs
and cash reserves required.
4. Your outstanding debts.
5. Your credit history.
6. The type of mortgage you are applying for.
7. Current interest rates.

Go with your instincts, if the monthly amount seems like it is more
that you would be comfortable with…..it probably is too much.
What you CAN afford and what you WANT To pay may be two
different things.

For example, your agent may say that you can afford to pay $900
per month, but if you feel that could possibly put you into a bind or
would put you in a situation where you wouldn't have the money to
do other things that are important to you and your family, go with
your own instincts.

After all, you are the one that is going to have to come up with the
bucks each month!

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Energy Saving Strategies for Your Office
By Doris Dobkins

Whether you work out of your home or commute to a job, here
are some steps to take that will save on energy costs.

1. When you aren't using your Personal Computer, laser printer, or
copier machine, turn them off. Just turning this equipment off at night
and on weekends can save you up to $100 a year. Per Pacific Gas and
Electric Company (PG&E), turning computers on and off doesn't usually
shorten their lives or create energy surges but it is best to leave
them on at least an hour at a time. Per PG&E, it costs from 1 to 2
cents per hour to run a computer. That might not sound like a lot of
money but for 24 hours a day, 365 days a year, the cost is $131 a year.
Many people have more than one computer in their home as well as
printers or copiers. And commercial offices are loaded with this type
of equipment.

I personally have three computers and three printers. If I were to
leave them all on 24/7, my annual electricity costs would be about $786
(based on 1.5 cents per hour). I can reduce that number 85% by just
turning off my equipment when it is not in use.

2. When you are working on a document try printing as few drafts as
possible. Consider using the print preview option and editing on the
computer screen. This will not only save you electricity but paper, ink
and toner as well.

3. Use email as much as possible. Save paper and printing costs by
transferring information by modem or disk whenever possible.

4. If you are shopping for a computer, consider purchasing a notebook
computer instead of a desktop PC. A notebook computer uses one-tenth
the energy of a desktop PC and can save from $40 $100 in energy cost
per year, depending on usage.


5. Printers: Shopping for a printer? Consider the energy costs
associated with each kind. There are basically three types of printers
dot matrix, laser and ink jet. While lasers are the most popular
because of their high quality, they draw an average of 80 to 100 watts
or more when printing. Dot matrixes only use an average of 15-20 watts
and ink jets, the most energy efficient of all use only about 10 watts.

6. Copy Machine: If your copier doesn't come with "standby mode",
(which shuts them down partially using 70% less energy), consider
turning it off as much as possible. Also, the faster your copy machine,
the more energy is required per copy.

7. Fax Machines: The cheapest way to fax documents is through a fax
modem on your PC. You save on energy as well as the cost of a paper fax
machine. http://www.efax.com is a great place to get a free electronic
fax account. You can receive faxes directly into your computer and view
them as an email message.


With the pending energy crunch, we can all do a little bit more to
conserve. Imagine all the money that can be saved by adopting just a
few of these energy ideas.

I know I'm going to try harder. How about you?

*** == *** == *** == *** == *** == *** == ***

By Doris Dobkins, Money Saving Expert
Author of "Financial Freedom A-Z Home Study Course"
and publisher of the free weekly ezine $mart Money New$
To subscribe, send an email by clicking on this link -->
mailto:join-smart_money_news@...
or sign up at her web site: http://www.creativefinances.com


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More Tips and Tricks to Save Money
Author Unknown

Place fabric softener sheets in dresser drawers and
your clothes will smell freshly washed for weeks to come.
You can also do this with towels and linen.

Candles will last a lot longer if placed in the
freezer for at least 3 hours prior to burning.

To clean artificial flowers, pour some salt into a
paper bag and add the flowers. Shake vigorously as
the salt will absorb all the dust and dirt and
leave your artificial flowers looking like new.

Stuff a miniature marshmallow in the bottom of a
sugar cone to prevent ice cream drips.

Use a meat baster to "squeeze" your pancake batter
onto the hot griddle for perfectly shaped pancakes every time.

To keep potatoes from budding, place an apple in the
bag with the potatoes.

To prevent eggshells from cracking, add a pinch of
salt to the water before hard-boiling.

Run your hands under cold water before pressing Rice
Krispies treats in the pan and the marshmallow won't
stick to your fingers.

To get the most juice out of fresh lemons, bring them
to room temperature and roll them under your palm against
the kitchen counter before squeezing.

To easily remove burnt on food from your skillet,
simply add a drop or two of dish soap and enough water
to cover bottom of pan, and bring to a boil on stovetop.

Spray your Tupperware with nonstick cooking spray
before pouring in tomato based . No stains.

When a cake recipe calls for flouring the baking pan,
use a bit of the dry cake mix instead and there won't be any
white mess on the outside of the cake.

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Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
cmc@... and tell me what you would like to see!
If you would like to read more articles about buying or selling a home,
please visit our website at http://www.creativemortgageco.com/

Til next time. Have a great month.
Cindy

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