Water Management Tips

The diagram ‘How Water Works’, shows how water recycles itself on our planet on a regular basis.

compliments of howstuffworks.com
compliments of howstuffworks.com

Lately this ‘regular basis’ has changed dramatically. We have entered a few years ago an age of drought and as our populations grow our amounts of water consumption and waste have grown. Interestingly enough, those people who have less water are the ones who will least waste it.
We have to train ourselves to respect water and with it the idea of life in this shrinking world.

Below are some ways of rescuing and recycling grey water as well as clean potable water.  By definition, Grey water is lightly used water from the bathroom sinks, showers, tubs, and washing machines. It is not water that has come into contact with feces.  Grey water may contain traces of dirt, food, grease, hair, and certain household cleaning products.  In some cases this grey water may be considered as organic.

General

• Never pour water down the drain when there may be another use for it such as watering a plant or garden, or for cleaning around your home.
• When using the faucet make it a habit to keep one hand on it to minimize waste.
• Most residential water can be easily used at least twice.
• Verify that your home is leak free. Many homes have hidden water leaks. Read your water meter before and after a two hour period when no water is being used. If the meter does not read exactly the same, there is a leak.
• Repair dripping faucets. If your faucet is dripping at a rate of one drop per second, you can expect to waste 2,700 gallons per year. This adds to the cost of water and sewer utilities and adds to your water bill.
• Retrofit all household faucets by installing aerators

faucet aerators
faucet aerators

with flow restrictors to slow the flow of water.
• Insulate your water pipes. You’ll get hot water faster and avoid wasting water while it heats up.
• If you have a well at home, check your pump periodically. Listen to hear if the pump kicks on and off while water is not being used. If it does, you have a leak.
• If you can afford it, redirect your grey water plumbing to a storage outdoors for watering your yard.
• Some of the tips mentioned here will take some time to get used to. Once digested and used to, a faucet with running water rushing out of control, will be devastation to the ears.

Bathrooms

• Inside your house, bathroom facilities claim nearly 75% of the water used.
Toilets
• Check for toilet tank leaks by adding food coloring to the tank. If the toilet is leaking, color will appear in the toilet bowl within 30 minutes.
• Check the toilet for worn out, corroded or bent parts. Most replacement parts are inexpensive, readily available and easily installed. (Flush as soon as test is done, since food coloring may stain tank.)
• If the toilet handle frequently sticks in the flush position letting water run constantly, replace or adjust it.
• Install a toilet dam or displacement device such as a brick,IMG_1954_web bag or bottle to cut down on the amount of water needed for each flush. Be sure installation does not interfere with the operating parts.
• Avoid flushing the toilet unnecessarily. Dispose of tissues, insects and other similar waste in the trash rather than the toilet.
• Some toilet users flush their overnight deposits in the morning. Some people flush by pouring recycled gray water rather than using the toilet tank lever.
• When purchasing new or replacement toilets, consider low volume units which use less than half the water of older models. In many areas, low volume units are required by local building codes.
• Dual flush toilets Dual-Flush_webuse two buttons or handles to flush different amounts of water. However, due to the more complex mechanism, they are more expensive than low flush toilets. Dual flush toilets are required by building codes in some countries.
• The bidet is a wonderful plumbing fixture used worldwide. Its purpose is to wash anything below the waist. Bidets will also diminish dramatically the number of falls by the elderly.
Showers
• Take shorter showers. Replace your showerhead with an ultra low flow version. Some units are available that allow you to cut off the flow without adjusting the water temperature knobs.
• Place a bucket in the showerIMG_2842_use_web to catch excess water while showering. This grey water can be used to water plants.
• While waiting for the water to warm up, rescue the water from the bathtub faucet with a large jugIMG_2788_use_web or bucket. When warm, use the shower. The rescued water in the jug is potable and could water fruit trees.
• When showering, turn water on to get wet; turn off to lather up; then turn back on to rinse off. Repeat when washing your hair or shave.
Sinks
• When washing the face, plug the sink. That water can be used to shave and pre rinse.
• Turn off water when brushing your teeth.

Kitchens

Dish washing
• Operate automatic dishwashers and clothes washers only when they are fully loaded. Set the water level for the size of load you are using.
• When washing dishes by hand, fill one sink or basin with soapy water. Quickly rinse under a slow moving stream from the faucet.
• When washing dishes by hand, rinsing with hot water will make the soap melt away faster.
• A most efficient way of doing dishes by hand is to have a small bowl inside the sinkIMG_2101_use_web and a good size jug on the side. Dishes are soaped with a trickle of water and all rinsing occurs over the bowl. This grey organic water is dumped into the jug and used for landscaping as needed. The grey water can also be used to operate the sink disposal which would require lots of water to operate properly.
• When washing a pan with lots of grease or lard, remove such with a paper towel prior to washing.
Sink
• Store drinking water in the refrigerator. Don’t let the tap run while you are waiting for cool water to flow.
• Do not use running water to thaw meat or other frozen foods. Defrost food overnight in the refrigerator or use the defrost setting on your microwave.
• Start a compost pile as an alternate method of disposing of food waste, instead of using a garbage disposal. Garbage disposals also can add 50 percent to the volume of solids in the sewer system or they can lead to problems with a septic tank.
Water Heater
• Consider installing an instant water heater on your kitchen sink so you don’t have to let the water run while it heats up. This will reduce water heating costs for your household.
• If you do not have an instant heater for the sink, keep a large jug handy and rescue the warming potable water. This clean water has many uses and it is water that otherwise would go down the drain. Do not drink water from a water heater.

Typical water use at home

(as per USGS):
Bath:   A “full tub” varies, but 36 gallons is a good average amount.
Shower:   20-50 gallons every 10 minutes. Older showers can use up to 5 gallons of water per minute. Water-saving shower heads produce about 2 gallons per minute.
Toilet Flush:   3 gallons. Most all new toilets use 1.6 gallons per flush, but many older toilets up to 4 gallons.
Brushing Teeth:   Newer bath faucets use about 1 gallon per minute, whereas older models use over 2 gallons.
Hands Washing:   1 gallon
Face/leg shaving:   1 gallon
Dishwasher:   6 (newer) to 16 gallons (older)
Dishwashing by hand:   About 8-27 gallons. Depending on how efficient you are at hand- washing dishes. Newer kitchen faucets use about 1.5-2 gallons per minutes, whereas older faucets use more.
Clothes Washer:   25 gallons/load for newer washers. Older models might use about 40 gallons per load.
Outdoor watering:   2 gallons per minute, depending on the force of your outdoor faucet.

Garage

• A utility sink in the garage is a wonderful source for recycled water.IMG_2882_use_web Leave a 3 gallon bucket at all times and you will notice that most of the water you’ll use is just fine as grey water.
• Place the drain hose of a clothes washer into this plastic hose IMG_2095_use_web and IMG_2089_use_web

run it to a storage container. Just washing the bedding will fill the 64 gallon container shown at least 3 times.IMG_2075_use_web
The hose if long enough, can also water the landscape as it is draining the washer.

IMG_4713
Proudly grown with gray water

This hose is 24’ long and it pays for itself many times over.IMG_2117_use_web

Outdoors

• When washing the car, use soap and water from a bucket. Use a hose with a shut off nozzle for the final rinse.
• Use a broom to clean your driveway.
• Drought tolerant plants are more than just cacti! For landscaping, use native or other low water use plants. Check with your local nursery for the best native or low water use trees, shrubs and plants.
• Using a layer of 2-3”mulch around plants reduces evaporation and promotes plant growth. Water retaining basins also allow water to be concentrated around the plants.
• When mowing, raise the blade on your lawn mower to at least three inches high, or to its highest level. Closely cut grass makes the roots work harder, requiring more water.
• Drip irrigation exceeds 90 % efficiency while sprinkler systems are 50 to 70 % efficient.
Install a water efficient drip system to irrigate trees, shrubs and flowers to get water to their root system.
• Stack potted plants so that when one drips, it waters the one below.
• When watering potted plants, use a jug or bucket. This will give you an exact feel of how much water you have given the plant.
• To trap rain water for landscaping, use empty garbage cans under the eaves that have no gutters.
For roofs with gutters, connect a large hose to the gutter where the down spout would be connected and store that water in a cistern.

Irrigation

• Adjust sprinklers so only the lawn is watered and not the house, sidewalk, or street. Check and maintain your sprinkler system regularly.
• Do not water on windy days.
• A heavy rain means you don’t have to water at all. Teach the family how to turn off an automatic sprinkler system in case a storm comes up during the sprinkling cycle.
• Adjust your irrigation schedule to accommodate changes in seasonal water demand. Install an automatic timer.
• Always water during the coolest time of the day to minimize evaporation. Early morning is best, and the peak water consumption hours (4 p.m.-9 p.m.) should be avoided.
• Buy a rain gauge to determine how much rain or irrigation your yard has received.
• Minimize grass areas in your yard because less grass means less water demand. Replace with low water use landscaping.

Final Tips

Use less water and you will extend the life of your septic system, water heater, washing machine and other appliances.
You will minimize pollution and extend the life of this planet.
You will save on electrical for heating fresh water and you will save on your local water department bill until rates will increase to support infrastructure and employees’ pensions.
Water will get much more expensive!

Featured image above compliments of howstuffworks.com

The Best Deals, Month By Month

As mentioned by Consumer Report and ARRP, some of the best shopping deals in the USA can be obtained during certain and specific times of the year.
The list below is a very efficient tool for planning and saving money.

Shop_TV
Samsung TV

January:
TVs
Linens and bedding
Toys
Treadmills and ellipticals
Winter clothing
Indoor furniture
Sporting goods

Shop_TreadmillFebruary:
Treadmills and elliptical
Digital cameras
Humidifiers
Air conditioners
Indoor furniture
Luggage

Shop_Camera
Sony digital camera

March:
Digital cameras
Humidifiers
Small consumer electronics
Winter sports gear
China and flatware
Gardening tools
Winter outwear

Shop_Mac
Apple laptop

April:
Laptop computers
Desktop computers
Digital cameras
Lawn mowers
Spring clothing
Athletic apparel and shoes
Vacuum cleaners

Shop_Nike_web
Nike

May:
Athletic apparel and shoes
Camping and outdoor gear
Carpeting
Cordless phones
Lawn mowers
Mattresses
Small consumer electronics
Spring and summer clothing

Sony camcorder

June:
Camcorders
Carpeting
Computers
Indoor furniture
Pots, pans and dishware
Small consumer electronics
Summer sports gear
Swimwear
Health club’s memberships
Men’s suits
Tools

Shop _SwimJuly:
Swimwear
Camcorders
Indoor furniture
Outdoor furniture
Kitchen appliances

Shop_Nike_Pack
Nike backpack

August:
Backpacks
Air conditioners
Dehumidifiers
Outdoor furniture
Camping equipment
Snow blowers
Linens and storage containers
Wine

Shop_Mower
Honda lawn mower

September:
Lawn mowers
Automobiles
Bikes
Digital cameras
Gas grills
Shrubs, trees and perennials
Small consumer electronics
Snow blowers

Shop_bike_webOctober:
Bikes
Computers
Digital cameras
Gas grills
Cookware
Lawn mowers
Winter coats
Lingerie

Shop_GrillNovember:
Gas grills
GPS navigators
Baby products
Bikes
Camcorders
Toys
TVs and electronics

Lamborghini Murcielago
Lamborghini Murcielago

December:
Automobiles
Bikes
Camcorders
Gas grills
GPS navigators
Home appliances, large and small
Small consumer electronics
Toys
Tools
TVs

Credit Cards: They Keep The Interest

Credit cards can be very convenient when paid promptly.
Living on credit cards not only is living on false riches but it contributes to impoverishing to deeper and deeper levels because purchases through credit cards if not paid promptly will cost ten fold.

Lured by incentives such as low rates one can easily be swayed into following the wrong direction. And once balances reach a certain amount the rates will change, administering a vicious long term blood siphoning grip.
In simple words, credit cards offer the ecstasy of a convenience to get us hooked and create the agony that later keep us financially strapped to their higher insatiable demand.

“You did it to yourself” one might say. The answer is true yet very questionable.
A proverb from the old country says:
Opportunity makes the thief.

The most depressing day of my neighbor’s life was when he finally realized that in his life time he would not have been able to repay his debt. Transferring continually to lower balances, calling the banks, consistently paying much more than the minimum payment and even not spending made no significant changes.
What quelled the problem was selling his house and he was lucky to have one to sell.

He has been credit cards free for fifteen years. Does not carry cash, keeps some change in the car for the parking meter and lives instead off the Debit Card.

Having cash on hand makes it easy to spend and makes us momentarily forget how hard it is to make.

The debit card gives the flexibility of the credit card and it can be frugally used only for needed expenses.
Keep the amount in the debit card low and if it cannot cover the purchase today, oh well, maybe another day.
Once used to it, it is really no pain at all.

It might be fair to say that credit card rates should match the feeble rates that banks offer for savings or CD accounts but this would not be sufficient to cover their waste nor their greed.

Taxes on Wealth

Taxes on wealth or simply wealth tax is the tax levied on the value of wealth owned by a person. As the term ‘wealth’ carries with it a broader meaning, generally capital transfer taxes (which include inheritance tax and gift tax), property tax, and capital gains taxes are some times invariably referred to as wealth taxes.

Taxes on wealth were first introduced in Europe, aimed at reducing the growing wealth gap between the rich and the poor. It was meant to raise revenue for addressing pressing social requirements and also to discourage the attitude towards amassing wealth.

Still, in countries across the world, majority of wealth is concentrated at the hands of fairly small number of people. Ideally taxes on wealth cuts down the disparities in wealth rather than the income, which actually is the determinant factor on how the scales are weighed for the next generations.

Also, taxes on wealth can bring about vertical as well as horizontal equity, which income tax fails to achieve. For example, neither a wealthy person nor a poor one with no income will pay income tax. But the wealthy ones need to cough up wealth tax while the poor need not.

But, as critics puts down, taxes on wealth can actually cause inefficiency by discouraging wealth producing economic initiatives. Also, the revenue generated by imposing taxes on wealth may not be that productive as the theory suggests. The wealthiest form only a small percentage of the population and by nature they are adept at avoiding taxes while remaining themselves within the contours of law.

Taxes on wealth comes in two forms – the capital transfer taxes that are levied when wealth change hands and the annual wealth taxes. Capital transfer taxes can occur either at death – also called inheritance tax – or via donation (gift tax). Some people tend to believe that Capital Gains tax to be a form of taxes on wealth. But in realty, capital gains tax is the taxation on the income obtained on capital and not a wealth tax on the capital.

Ideally, taxes on wealth should not be severe on the tax payers even if they have lots of wealth. Instead, after the minimum slab of no taxation, the taxes on wealth percentage should increase at increments, depending on the value of wealth in dollars. Such a fairer taxation not only increases the revenue but also goes a long way in bringing down the inequality aspect as well.

But with intelligent investing, one can save a lot that other wise goes as wealth tax. But that requires careful thought and advanced planning. May be a tax professional could help one in this regard.

5 Long-term Financial Success Secrets

Future financial success is not a guarantee that any one of us can rely upon, no matter how wealthy we are now or intend to become.

There are however five future proofing financial steps that we can take to protect our current financial status, improve our future financial prospects and secure our long-term financial success.

1) Know The Different Between Good Debt & Bad Debt

Bad debt is any debt that accrues interest month after month on outstanding balances and includes credit card debt of course, which is now the most common type of bad debt that we are all burdened with. Other examples of bad debt include store card debt, home secured loans other than your mortgage and any money borrowed from lenders dealing with high risk borrowers as they charge the highest rates of interest and have the most restrictive and inflexible terms and conditions.

Good debt is really only your mortgage, although some people would argue with me and include car finance in this category even though a car is not an essential item for most people – if we’re honest with ourselves! Good debt in the form of your mortgage enables you to afford the roof over your head and for most of us it is the only way we will ever be able to afford a home.

A mortgage with an attractive and affordable interest rate will of course cost you money but at the same time it enables you to purchase a capital growth appreciating asset that you can later sell and redeem cash from or pass to your heirs upon death and that will be a positively tangible asset to benefit their financial futures.

2) Get Out Of Bad Debt

Examine all of the bad debt you have and prioritize the amounts to be paid off first by beginning with the most expensive debt in interest and charge terms. Every month pay off as much as you can afford from your number one debt and proceed with this approach right through every bad debt you have until you have no outstanding amounts remaining.

Then – take on no new bad debt! Keep out of credit card and loan hell.

3) Pay Off Your Good Debt

Having worked hard for as long as it takes to pay off all of your bad debt you can now turn your attention to your mortgage – some mortgage lenders penalize for early repayment so consider re-mortgaging if you can get a better or same rate of interest and you won’t incur arrangement fees, or try to arrange new terms with your current lender that will allow you to make regular lump sum repayments.

The shorter the life of your debt the less interest you will pay and the sooner you will own your own home – your most significant financial asset – outright. This will give you massive security and also free you up financially to enjoy life to the full and save more towards your retirement.

4) Save For Retirement

Most governments of the civilized world reward their citizens with tax breaks on retirement savings made. Furthermore many conscientious employers add to an employee’s contribution to a works pension scheme. Find out what benefits you’re entitled to and get a retirement savings plan in place immediately. It is never too early to start saving for retirement.

Whilst paying off your debt is an essential step on the road to long-term financial success, so ensuring your future is secured through saving today for your own financial wellbeing is an essential step. After all, if you don’t look after your best interests, no one else will.

Put as much as you can possibly afford each month into the best savings or investment product to suit your requirements and circumstances – and start today.

5) Protect Your Personal & Financial Assets

Insure your life, your family, your health, your business and your home – then use the services and advice of qualified taxation and trust professionals to find out whether there are legal and legitimate ways in which you can reduce your overall taxation burden and your estate’s future inheritance or death taxation burden.

Look after your personal interests today and ensure that your financial assets are protected for life.