Thursday, March 17, 2016

What You Should Know About Adding Solar Energy to Your Home

Great Article by Megan Wild as posted by Housecall

Posted on Mar 11 2016 - 12:27pm by Housecall 
By Megan Wild
 Everyone is concerned with maximizing energy efficiency, both to save costs and to minimize environmental concerns. Adding solar energy to a home is a great way to do both.
Solar panels can cut down on the carbon dioxide a home uses by nearly 36,000 pounds annually. Since carbon dioxide emissions are the prime contributor to greenhouse gases and global warming, that’s a green benefit to be proud of. It makes installing solar panels the environmental equivalent of planting 88 trees.
You should do some pre-planning to make sure solar energy will fit into your current environment, needs and budget. Here are 10 questions to ask about making your home solar.
1. How much sun can your solar panels receive? Generally, solar energy panels need sun from 10 a.m. to 2 p.m. each day. This does not mean you need bright sunshine, however. It means sunlight should be able to hit your panels between these hours. Do trees block part of the available roof space? Do other buildings? If so, have a solar panel installer give you an estimate of whether your roof is a good candidate for solar power.
Solar panels receive sun not only from the sky, but also from isolation — the degree of solar radiation the ground receives during a given span of time. This varies according to region. A solar installer will be able to give you an estimate.
2. How much roof space is available for panels? If the roof already has roof vents or skylights, there may not be room for the number of panels needed to give you significant energy. In addition to figuring costs, an estimate can be helpful to determine if your roof is suitable for solar panel installation.
3. What types of shingles do you have? Solar panels are most commonly used on asphalt or composite shingles. If you have other types — wood, Spanish tile or metal — it is still possible to place solar panels on them, but it may be more expensive.
4. When will your roof need to be replaced? If you have 15 to 30 years left on your roof, all systems are go. Most solar panels last 20 to 30 years, with less than 0.05 percent depreciation of energy conversion each year. Most warranties last 10 to 15 years.
If your roof will need major work or replacement in 5 years, though, it makes no financial sense for you to be installing solar panels on top of it. It will be expensive to remove solar panels to work on the roof, and they could be damaged to boot. Wait until you have a new roof to put in solar.
5. How much energy do you need?  You need to have a good sense of how much energy you use in a year. Either add the kilowatts from the past year’s bills or keep tabs as you go forward. Don’t look selectively at certain months since energy needs change depending on the weather. You’ll need a year to have a good sense to how many kilowatts you need for your energy needs. Then, you can also calculate how much energy savings you can expect.
6. Will your energy needs change in the future? Remember to factor in changes in your life that could cause changes in energy consumption. Are you planning to have a child? That’s likely to result in more energy usage. Do you have two teenagers who will be leaving home in five years? That’s likely to lead to less.
Also, it’s important to consider how your home’s appliances and extras will age. Old appliances can use excessive amounts of energy that may negate your energy savings from solar panels. Energy inefficient doors can account for more than 20 percent of a home’s energy loss. Ultimately, if you want to add solar panels, you should consider your budget for future energy upgrades in your home.
7. Do you live in a house or condo unit? Do you rent or own? If you own a house, you are free to plan the addition of solar power. If you own a  condo unit, you’ll need to see whether the building allows solar panels. If you rent any size dwelling, solar panels are not in the cards. The owner could install them, but not a renter.
8. What are the permits required? Municipal and state permits vary tremendously by locality. Some require several feet of clearance around the panels. Some will let you build to the edge. It is imperative you know before you engage a contractor. Otherwise, you might be forced to tear down the panels and build again. Check that your electrical systems will be up to code once the installation is complete as well.
9. When can you begin to enjoy the benefits of solar power? Be sure to ask your installer and do research about when the benefits of having solar panels will flow through to your house and your bottom line. However, when factoring in the time it can take to gather the construction and any building permits required, the installation can take from several weeks to several months.
10. What is the total cost of installing solar panels? Luckily, the cost of installing solar panels dropped by roughly 60 percent between 2011 and 2014, according to Forbes. The cost on average is currently $17,000.
Remember that the cost of installing solar panels is offset by a number of tax breaks. Through 2016, there is a Federal Investment Tax Credit that can reduce the costs of installation by up to 30 percent. A number of states and localities also offer tax credits or offsets. It is worth doing research to make sure you obtain the maximum benefit from any tax credits.
Some localities and companies also offer rebates for installing solar panels. Again, be sure to ask about any benefits or rebates that are paired with the installation of solar panels.
Solar panels will not add to your property taxes. Additional taxes are levied by size — so a larger garage or another room may result in higher taxes. Solar panels do not add to the size of your home, so there are no property tax worries.
When crunching the numbers for the cost of solar panels, remember that solar panels will add to the resale value of any home — especially as green energy becomes more and more important.
Few household improvements do more to cut energy costs, make a house green and increase resale value than installing solar panels. With these questions asked and answered, you’ll be all set to embark on adding solar power to your home.
Megan Wild is a home improvement writer who specializes in renewable energy and the options for homeowners. Check out more of her tips on her blog, Your Wild Home.

Friday, January 29, 2016

Top six reasons why Florida is the best place to retire

Great article in the Miami Herald  about retiring to Florida. We knew this years ago and arrived in 1986.

Here are the top six reasons why Florida is the best place to retire, according to WalletHub.

Hole in one!
From Seminole Golf Course in Juno Beach (the state's top ranked links, according to GolfDigest) to Trump National Doral, Florida has the most golf courses per capita in the nation.
Company
Looking for new friends? You won't be lonely in the Sunshine State, which has the highest percentage of people aged 65 or over of any state.
Out on the town
It's not Broadway, but theatergoers in Florida have more and better options than ever before. The state has the sixth-most theaters per capita in the U.S.
Help at home
The cost of hiring a nurse and other in-home help can break the bank for many seniors. But Florida has the eighth-lowest cost of in-home services of any state.
Low taxes
Many retirees don't realize they may need to pay federal and state taxes on Social Security income and withdrawals from IRA and 401(k) funds. Florida's low taxes make it the 10th-best state for retirees come tax season, according to WalletHub.
A night at the museum
Miami's burgeoning cultural scene means locals don't have to travel to New York for their museum fix. From the PĂ©rez Art Museum Miami to the under-construction Patricia and Phillip Frost Museum of Science to HistoryMiami, South Florida museums are on the upswing. Nationwide, Florida has the 15th-most museums per capita.

So what are you waiting for? Florida is calling.
Copyright © 2016 Miami Herald, Nicholas Nehamas. Distributed by Tribune Content Agency, LLC.