101. Insurance Programs For Mortgages And Home Improvements Title 1 insures loans for singlefamily home improvements that may include Loans for improving home energy efficiency are insured for as much as $17500. http://doityourself.com/mortgage/insurancemortgages.htm

Keyword Search Our Entire Website Hardware Warehouse Info and Projects Community Forums Auto Interior Exterior Decorate Electric Flooring Hardware Garden Household Lifestyle Plumbing Real Estate Legal Issues Go Shopping Contractors Forum Links ... Find the Best REALTOR for the best prce to sell your home! Insurance Programs for Mortgages and Home Improvements The following U.S. Department of Housing and Urban Development (HUD) programs insure guaranteed mortgages for purchase of single- or multifamily homes with energy efficient or renewable energy features. Other HUD programs insure home improvement measures, such as installing renewable energy systems and increasing energy efficiency. Single-Family and Small Multifamily Housing: HUD can insure mortgages for homes with renewable energy systems or energy efficiency measures for up to $155,250 (one-family home), $198,550 (two-family home), $240,000 (three-family home), and $298,350 (four-family home). Purchasers of homes with solar energy systems may qualify for higher amounts. Purchasers of four-family homes with solar energy systems may qualify for mortgage insurance for up to $349,920. The actual amount depends on the cost of the system or design and may be higher in HUD-designated high cost of living areas. The above program is part of the National Housing Act. A separate program under the same Act provides guarantees for new homes in rural areas with energy-efficient and/or renewable energy features. HUD limits these insured mortgages to 75% of the amount allocated for single-family homes above. The limits for this program depend upon the funds available for homes in the above-mentioned program.

102. FSEC - Home Energy Ratings How can I improve my home s energy efficiency? What software tools are available?How do Ratings relate to energy Star homes and other programs? http://www.fsec.ucf.edu/bldg/fyh/ratings/

Home Energy Ratings Education Environment Hydrogen Buildings ... Choices Home Energy Ratings Builder Programs Improve Indoor Air Quality FAQ ... HOME HERS (Home Energy Rating Systems) provide a standardized evaluation of a home's energy efficiency and expected energy costs. A home energy rating can qualify a home owner or home buyer for an energy efficient mortgage (EEM) or an energy improvement mortgage (EIM). An energy rating can maximize the value of the largest single investment most home owners are likely to make in their entire lifetime. So . . . Fully Accredited Want to get more home for less money? Want to qualify for a more favorable home mortgage? Want a higher quality, more comfortable home?

103. Conservation Tips Need financing for your energyefficient appliance upgrades or home improvements?home energy Upgrade Financing sponsored by The Gas Company. http://www.socalgas.com/residential/interactivehome/

My Account Paying My Bill Service Requests Rebates ... Supplier Diversity Ask a question: Search All Search Residential Search Business Search Regulatory Conservation Tips: Tips on Efficiency, Conservation, and Appliance Selection Air Conditioning Clothes Drying Clothes Washing Cooking ... Windows Need financing for your energy-efficient appliance upgrades or home improvements? Home Energy Upgrade Financing sponsored by The Gas Company. Click on each "star" to find information on cash rebates and money-saving tips for the appliances and elements in your home! Air Conditioning Need financing for your energy-efficient appliance upgrades or home improvements? Clothes Drying Clothes Washing Cooking Take the Home Energy Efficiency Analysis for a personalized assessment of your home's energy usage and where you can save money. Dishwashing Ducts Gas Barbecues Gas Meter ... Home Office and Equipment The Gas Company provides weatherization and furnace repair/replacement for qualified residences of limited-income customers.

104. AFC First Financial Corp. We also offer Special Financing for energy Efficient home Improvements throughour energyLoan program available in Pennsylvania, New Jersey, New York, http://www.afcfirst.com/

AFC First is an Equal Housing Lender FannieMae Approved Energy Loan Lender Apply Now Online Current Rates EnergyLoan View All Partners AFC First Financial Corp., founded in 1947 Founded in 1947, AFC First is one of Pennsylvania's First Independent Lending Institutions. A second generation, private financial institution specializing in Home Purchase, Refinance and Consolidation Mortgage lending throughout Pennsylvania and Delaware , AFC First is the provider of lehighvalleymortgage.com and beachhousemortgage.com. We also offer Special Financing for Energy Efficient Home Improvements through our EnergyLoan program available in Pennsylvania New Jersey New York Delaware Virginia Connecticut Maine and Massachusetts as an Approved Fannie Mae Energy Loan Lender. Our nearly 60 year reputation for integrity and efficiency is based on a unique blend of one to one personal service provided by a second generation, family owned firm and state of the art products and technology in several specialty markets. Apply On-line or Contact Us for more information. Or call us toll-free at (888) AFC FIRST (232-3477) with any questions you may have.

105. More Gas Company Customers Eligible For Home Energy Improvements Through Income- More Gas Company Customers Eligible for home energy Improvements ThroughIncomeQualified Program. LOS ANGELES, July 25, 2005 (PRIMEZONE) New enrollment http://www.primezone.com/newsroom/news.html?d=82645

106. Seeboard Energy - Home Improvements home Improvements Welcome! low energy bulb. Seeboard energy offer a FREE homesurvey / inspection* on a wide range of products and services. http://www.seeboard-energy.com/showPage.do?name=homeenergy.homeimprovements.til

107. Energy Smart Schools: Family Home Energy Quiz energy Smart Schools Rebuild America Schools US Department of energy Takethe Family home energy Quiz, home Improvements House http://www.rebuild.org/sectors/quiz/quiz.html

Saving energy improves the environment and reduces energy bills. Use this Home Energy Quiz with your child to find ways that your home could be more energy efficient. Walk through your home and circle the descriptions below that apply. Ignore any sections that do not apply to your home. Then calculate your home's energy-efficiency rating. For a more comprehensive Home Energy Audit and more energy-efficiency tips, visit the U.S. Department of Energy's Web site at www.eren.doe.gov/consumerinfo/ . For a free Energy Savers booklet, call 1-800-DOE-3732 Test: Use a ruler to measure how much insulation you have in the attic area. 6 inches or less (2 pts.) 7 to 11 inches (4 pts.) 12 inches or more (6 pts.) Test: How often were your furnace filters cleaned or changed in the last year? Not at all (2 pts.) 1-3 times (4 pts.)

108. Realty Times - Real Estate News And Advice How To Improve Your home s energy Efficiency by Broderick Perkins. home improvementsthat provide the best return for your money don t always increase the http://realtytimes.com/rtcpages/20010208_energy.htm

Real Estate News and Advice September 22, 2005 Search Realty Times Agent Locator Contact Us Subscribe Newsletter ... Home Improvement How To Improve Your Home's Energy Efficiency by Broderick Perkins Home improvements that provide the best return for your money don't always increase the value of your home, but such work pays for itself by cutting energy costs. This winter, deregulation, harsh weather, increased oil costs, greater demand from a booming economy and a host of other factors have combined to double and triple homeowner utility bills across the nation. The higher energy costs has prompted the Washington, D.C.-based Alliance to Save Energy to urge home owners who are refinancing to consider cashing in some of their equity for energy-efficiency home improvements both to help reduce their utility bills and to help conserve power. "As energy costs rise and demand exceeds supplies, this is a great time for consumers to improve the energy-efficiency of their home and obtain the tax advantages from these upgrades," says Alliance president David M. Nemtzow.

109. Alliance To Save Energy - Promoting Energy Efficiency World Wide: Consumers: Ref is usually tax deductible as is interest on home equity loans. energyefficienthome improvements will immediately lower your monthly energy bills. http://www.ase.org/section/_audience/consumers/refinanceremodel/refinancing/

Your browser does not support script Search Consumers Energy Efficiency vs. Energy Conservation Tips to Lower Your Energy Bills Refinancing ... Contributors Email Newsletter Subscription Sign up to receive periodic updates from Alliance to Save Energy Home Consumers Refinance/Remodel Refinancing If you're planning to refinance your mortgage, consider borrowing more than the amount needed to pay off your existing mortgage, and use the extra cash to make energy-efficiency home improvements. Here's why. You'll gain two benefits: Interest paid on your home mortgage is usually tax deductible as is interest on home equity loans. Energy-efficient home improvements will immediately lower your monthly energy bills. Energy Efficient Mortgages Just like the real costs of owning a car includes operating expenses, the same is true for a home. Rising utility costs must be factored into the costs of owning home. THE ENERGY EFFICIENT MORTGAGE means comfort and savings. When you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and save money by using the Energy Efficient Mortgage (EEM). It can be applied to most home mortgages. EEMs provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements. Home owners with lower utility bills have more money in their pocket each month. They can afford to allocate a larger portion of their income to housing expenses. There are two options with the Energy Efficient Mortgage.

110. DeadlineNews.Com -- Energy Improvements/E-Mailed Blackout Alerts 5/25/2001 home owners also shun energyefficient home improvements because they often energy efficient home improvements are the things that also make your home http://www.deadlinenews.com/energyvalue051501.html

Save Energy, Boost Home Value Scientific research quantifies home value boost from energy efficient improvements Related stories Appraisers Discount Value Of Energy Improvements Energy Improvements Boost Home Value $18,000 By Broderick Perkins DeadlineNews.Com FOR EVERY $1 you save on your annual fuel bill, your home value will jump by $20 or more. That doesn't mean you can simply set back the thermostat or stop heating your home to boost its value. You must actually reduce your home's fuel requirements, say, by completing energy-efficient home improvements. Once you do, increased home value could be yours. That's the findings of two little-known, government financed, private research efforts completed in the late 1990s, which are just now attracting interest, thanks to the nation's growing energy problems. "Nobody was interested in the 1990s, but I'm certainly getting calls now. It should reassure people about making investments in energy efficiency and particularly the Energy Star program which is the nationwide GoodHousekeeping stamp-of-approval for energy efficiency that people will recognize," said Rick Nevin, vice president of ICF Consulting, the Fairfax, VA-based international consulting firm that conducted the research with funding from the U.S. Environmental Protection Agency and the U.S. Department of Housing and Urban Development. News of the research efforts couldn't come at a better time.

111. Energy For Sustainable Development Main UNDP home Page. UNDP homepage (MDGs) can be met without major improvementin the quality and quantity of energy services in developing countries. http://www.undp.org/energy/

Also on this web site: Featured Publications From our Country Offices Partnerships Energizing the Millennium Development Goals: A Guide to Energy's Role in Reducing Poverty ... World Energy Assessment: Energy and the Challenge of Sustainability UNDP Focus Areas: Democratic Governance Poverty Reduction Crisis Prevention and Recovery HIV/AIDS Energy for Sustainable Development: Overview Scaling up Modern Energy Services in East Africa This report outlines a strategy for increasing access to energy services to meet the Millennium Development Goals in East Africa. It offers suggestions for possible energy interventions, their costs and impacts. This initiative is supported by UNDP and GTZ, with funding made available through the Global Village Energy Partnership (GVEP). Download Report 17 August 2005 Energizing the Millennium Development Goals: A Guide to Energy's Role in Reducing Poverty Download PDF 3 August 2005 A regional workshop on Electricity Access and Development Challenge in Africa was held in Nairobi, Kenya, 13-14 July 2005. The meeting was organised by

112. Asociación Española Del Hidrógeno The main objective of the Spanish Hydrogen Association (AeH) is to promote the technological development of the hydrogen energy and its use in industrial and commercial applications, for the whole society interest, because both the environmental impact and for the industrial improvement that is foreseen in the future. http://www.aeh2.org/

Asociación Española del Hidrógeno Tecnologías de Hidrógeno y Pilas de Combustible La Asociación Española del Hidrógeno Es una organización sin ánimo de lucro que tiene como objetivo el desarrollo tecnológico del hidrógeno y las pilas de combustible. Sobre la AeH: -Objetivos -Socios -Estatutos -Junta Directiva ... -Secret. Tec. Tecnología Información técnica práctica sobre hidrógeno y pilas de combustible. Formación Curso de Hidrógeno y Pilas de Combustible , organizado por la AeH y ARIEMA. 4ª Edición: del 10 de Octubre al 11 de Noviembre, módulo presencial y prácticas del 17 al 20 de Octubre, visitas técnicas 21 de Octubre. Abierto el plazo de matrícula. Descuento a socios de la AeH. www.cursoh2.com Tecnología: -Datos H2 -Ponencias -Enlaces -Proyectos ... -H-foro Actualidad Últimas novedades sobre la AeH, y cuestiones de interés general: Está a la venta la Guía Científica del Hidrógeno y las Pilas de Combustible en España. Más info en

113. MD Consultancy Provides organizational and performance improvement solutions (strategic studies and followup implementation). Expertise in energy oil, gas, electrical power and water. Scope international, headquarters in Aberdeen, United Kingdom. http://www.mdconsultancy.com/

Management Consultancy Specialising in the Energy Sector Click enter on the image or here to enter .: Best Viewed - 1024 x 768 - High Colour - Internet Explorer 5 :.

114. The Bio-Quanta Cards To Resolve Health And Wellbeing Challenges Subtle energy cards for health (insomnia, obesity, anorexia, stress), wellbeing and self improvement. http://www.soul-healer.com/bqc/

S O U L H E A L E R Bio-Quanta Cards Search this site by FreeFind Site Map Home Page An Introduction The Bio-Quanta Energy Cards are designed to facilitate and help you resolve specific health, happiness, well being and self improvement challenges. Initially each of the cards presented here was produced as a 'one off' for a client who came for a therapy or workshop session to help them through areas of challenge and difficulty within their own lives. From this small start emerged the range that we present here. How effective are they? By and large we find that four out of five people gain positive benefit from these cards. For some the change is dramatic. However, although these cards are designed so that they try and make corrections in all situations, it is simply not possible to make something that applies to everyone. We are all different. For example in making the Sleep Easy card, we can surmise that peoples sleep may be difficult because they are stressed, in fear, adjusting to a new environment, traumatized (could be anything?), adjusting to a new partner and so on.

115. Leonardo Academy --  A Nonprofit Environmental Organization Policy and technical analysis of energy and environmental issues as well as environmental education. Explores both market mechanisms and traditional approaches to achieving environmental improvement, energy efficiency, and sustainability. Mainly lists of links but a few reports http://www.leonardoacademy.org

Leonardo Academy is focused on using the competitive market as a tool for reducing pollution and increasing energy efficiency and renewable energy use. The Cleaner and Greener sm program empowers people with information and rewards companies and events that reduce or offset their emissions. More Information The Cleaner and Greener Principles for Pollution Reduction Programs propose a new approach to environmental regulation that rewards emission reductions delivered by energy efficiency, renewable energy, and sequestration projects. Visit www.cleanerandgreener.org to find out more about the Cleaner and Greener Program. Cleaner and Greener is only part of what we do here at Leonardo Academy, Inc. Take a look at all of our current projects , and learn more about our mission, who we are and what we do . Please explore our site, and contact us by phone or email if you have any questions or comments. Thank you! More about Leonardo Academy Leonardo Academy Projects Resources Make a tax-deductible contribution to support the work of Leonardo Academy 1526 Chandler Street, Madison, Wisconsin 53711

116. Energy Improvement Products, Inc. Mechanical, electrical and control equipment and servicing. Includes brands and contacts. http://www.energy-improvement-products.com/

Energy Improvement Products, Inc. Manufacturers Representative Specializing in Engineered Products to Improve Indoor Air Quality 20 Years of Service Home About Us Contact Us Tech Notes ... Catalog Request Thermal Dispersion Airflow Measurement Innovative Damper Products Gas Detection Variable Speed AC Motor Drives click on any image or logo for more info © 2004 EIP, Inc.

117. TVA: TVA technology research, development, demonstration, and deployment in pollution reduction, clean energy, industrial ecology, and energy use improvement. http://www.publicpowerinstitute.org/

You are being redirected to the Tennessee Valley Authority Web site. If you are not automatically redirected, please click here

118. Bender Machine Ltd Provides improvement and repair services to the paper, printing, steel and energy industries. Includes products and services and news. http://www.bendermachine.com/

Bender Machine Services - Europe Yankee Resurfacing - Europe Bender Forrest - Europe Yankee Resurfacing - United States

119. Help With Home Improvements To find out if you can get help with home improvements and the help The homeenergy efficiency scheme (HEES) provides grants which help to cover the http://www.adviceguide.org.uk/nm/index/family_parent/housing/help_with_home_impr

About this site Accessibility Help Site map ... Cymru YOUR MONEY Benefits Employment Tax Debt YOUR FAMILY Family Health Housing Education YOUR DAILY LIFE Communications Consumer affairs Travel YOUR RIGHTS Civil rights Immigration Legal system Search for In section: All England Benefits Employment Debt Tax Family Health Housing Education Communications Consumer Affairs Travel Civil Rights Immigration Legal system Whole Site A to Z index Brief information is available in the following languages: Find your local CAB Have we helped? Please support us Volunteer The site was last updated on 1st September 2005. All links to other websites will open in a new window. England Housing Help with home improvements Housing - In England Help with home improvements This information applies to England and Wales Help with home improvements Disabled facilities grants The home energy efficiency scheme The rapid response adaptations programme in Wales ... Home improvement agencies Help with home improvements What type of help can you get to improve your home A local authority can offer different types of help with home improvements. It will have its own rules about the types of help it will offer, and about the conditions you must meet in order to qualify for help. To find out if you can get help with home improvements and the help available in your area, contact your local authority. Your local authority can give you help to:- adapt, improve, or repair your home. This could be in the form of a grant or loan. It could be by providing labour, tools, or cheap materials to help you carry out the work. It could be by providing details of builders who can carry out the work, or by providing free or low cost surveys, or advice on carrying out repairs; or

120. Home Page San Antonio, TX engineering and consulting firm specializing in reducing our clients' water and energy consumption and costs via a variety of efficiency improvement and conservation techniques. http://costcontainmentengr.com

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