The Sentinel: Homeowner

Chlebek launches U.S. Senate bid with tax-slashing "MAGNA" Agenda

Chlebek returns to the 2025 Illinois Senate race with no-tax pledges for youth, retirees, and first-time homeowners.

Casey Chlebek

PARK RIDGE - Casey Chlebek, a Polish-American business owner and public policy supporter, is running for U.S. Senate in Illinois as a Republican in the 8th Congressional District. His campaign focus is on cutting taxes and putting more money in the pockets of working-class families through tax cuts.

Chlebek calls his plan the MAGNA Agenda - short for Make America the Greatest Nation Again. Campaigning for the open seat vacated by Dick Durbin, who announced his retirement earlier this year, he says he wants to take power away from government officials and give it back to families in Illinois. His plan includes ending property taxes for certain groups and reducing or removing several federal taxes.

“If you’ve worked hard, played by the rules, and still feel like you’re falling behind—this campaign is for you,” Chlebek said in a statement. “It’s time for bold solutions that put Illinois families first and bring American greatness back where it belongs: at the kitchen table, not in the halls of bureaucracy.”

A former engineer who immigrated from Poland during the Cold War, Chlebek previously ran for Senate in 2022.

The MAGNA Agenda has seven main ideas to help bring respect, fairness, and chances for all Americans.

Abolish Property Taxes for seniors, veterans, disabled Americans, and first-time homeowners using a mix of federal credits and state incentives.
Eliminate Federal Taxes on Retirement Income, including Social Security and pension benefits.
End Social Security Payroll Taxes, allowing workers to retain more of their earnings.
No Federal Taxes for Americans Under 23, with an extension to age 26 for students and young married couples.
Five-Year Tax Holiday for New Small Businesses, offering automatic extensions to encourage entrepreneurship.
Free Prescription Medications for Seniors, Disabled Citizens, and Veterans** through the elimination of middlemen and redirected spending.
Restoration of Dignity Through Work and Ownership, including a vow by Chlebek to forgo a Senate salary if elected.

The campaign also introduces a foreign policy initiative under the acronym MULA - Make the U.S. Loved Again. Chlebek's global vision, which he calls the PTCS Doctrine (President Trump’s Calling Shots), promotes a strategy of reciprocal relationships and restrained diplomacy. The doctrine includes:

Parity in trade and alliances
Trust in global outreach
Cooperation when in America’s interest
Stability by avoiding unnecessary sanctions and interventions

A former engineer who immigrated from Poland during the Cold War, Chlebek previously ran for Senate in 2022. He returns to the race now with a broader platform and renewed focus on economic relief for everyday Americans.

“This isn’t about left or right, it’s about right and wrong,” Chlebek said. “Illinoisans are being crushed by taxes, ignored by politicians, and forced to settle for broken promises. I’m not here to play games. I’m here to fight for your home, your freedom, and your family’s future.”

Home design trends for 2025, making your outdoor living area spectacular

Photos provided

BPT - Americans are spending more time in their outdoor spaces - and want to maximize those spaces. Studies show that nearly 90% of homeowners consider their outdoor areas to be important to their health and well-being. Design trends reflect that people are showing more interest in connecting with nature in their own backyard and enjoying the comforts of indoor living while gathering outdoors. This means creating environments that are comfortable, multifunctional and cost-effective.

The outdoor design experts at Belgard®, the trusted leader in hardscape solutions from pavers to retaining walls, share exclusive insights into 2025 outdoor design trends to help homeowners plan their dream outdoor spaces.

Privacy and spaces of solitude

As property footprints continue to shrink year over year, homeowners are looking for aesthetically pleasing ways to incorporate more privacy from neighbors or their surroundings. Decorative screen panels, pergolas, built-in planters and other structures can add elements of both beauty and functionality that provide a sense of solitude, even in urban environments.

Sound gardens and water features can further enhance a feeling of solitude by adding audible privacy from neighbors or street traffic. For example, even a simple fountain or water bowl can enhance the ambiance and help muffle sound.

Shifting back to classic style

While minimalism remains a popular trend, there's also been a shift back to a more classic style in indoor and outdoor home design. Mixed materials and warm colors such as beige and sepia are re-emerging, which lend themselves to a more traditional aesthetic.

With modular options from Belgard, a mix of different materials with multiple textures and sizes can create limitless possibilities while keeping with a classic design aesthetic. Because they're available in many styles, shapes, and sizes designed to work together, a variety of paver patterns can be combined seamlessly to achieve any desired overall look.

Convenience in design

As outdoor spaces are now a must-have for homeowners, they must be convenient to access and offer the same amenities as the home's indoor spaces. Homeowners are looking for their outdoor space to transition easily from the house to the built environment while offering the same modern conveniences of lighting, eating, Wi-Fi, quality furnishing and accessories.

Health and wellness

Using outdoor spaces to improve your well-being is a top focus for many people today. Americans are looking to be more balanced and in harmony with their environment, favoring the use of native plants and sustainable materials like permeable pavers, which promote better water drainage and reduce environmental impact.

Gardening is also a popular hobby that helps improve people's feeling of well-being, so enthusiasts can opt for raised garden beds or planters to pursue their growing goals in their outdoor spaces. For example, Belgard offers options to create built-in planters as part of your overall hardscape design with its Belgard Artforms modular outdoor panel system. You can use the panels, which are sized in modular shapes, to quickly and efficiently construct planters, seating, outdoor kitchens, fire features and more.

By designing outdoor environments that support their health and wellness, individuals can cultivate spaces that provide a retreat in their own backyard to improve their quality of life.

Value-added features

In every metro area, property sizes are smaller than ever. With this shift plus budget considerations, homeowners want to maximize small spaces through modular components that serve multiple purposes, like built-in seat walls, fire features, water features and planters that seamlessly blend into a living space - offering both functionality and visual appeal.

Homeowners can get creative with outdoor spaces with the right hardscape materials. For example, a small space can be transformed into a lush oasis by adding a vertical garden, or underutilized spaces like side or front yards can become cozy sitting areas. Even a small patio can serve as an al fresco dining space, and it doesn't take a lot to add an outdoor workstation with the right tools and tech. Patio pavers and wall units help define spaces, making them serve more than one purpose for any household.

These strategic investments not only increase the functionality and enjoyment of outdoor areas but also significantly boost curb appeal and the home's property value, making them a smart choice for homeowners looking to maximize their limited spaces.

To find inspiration for any outdoor space, visit Belgard.com.

Creating child-friendly spaces in a new home

SNS - Moving into a new home is an exciting time for families, offering a chance to reimagine spaces that reflect your family’s needs. For those with young children, setting up child-friendly spaces is essential to creating a safe, engaging, and functional environment where kids can thrive.

Thoughtfully designed spaces encourage creativity, provide comfort, and enhance safety, ensuring your home feels welcoming for every member of the family. This process also allows you to involve your children, making the transition smoother and more enjoyable for them.

Thoughtfully designed spaces encourage creativity. Consider a separate playroom where children can enjoy their toys and games without cluttering shared spaces. Encourage your child to help select the colors or themes for their space.

Photo: Katie Emslie/Unsplash

Understanding the Needs of Your Children

Children’s needs evolve as they grow, and their spaces should adapt accordingly. Safety features are paramount for toddlers, while older children benefit from areas that inspire learning and play. Observing your child’s preferences and routines can guide decisions about layouts, colors, and the types of furniture to include. Engaging your children in small choices, like picking colors or themes, can help them feel included and excited about their new home.

Choosing the Right Location for Play Areas

Selecting the right location within your home is crucial when setting up child-friendly spaces. Play areas should be close to high-traffic areas, such as the kitchen or living room, so you can supervise your child while attending to daily tasks.

Consider a separate playroom where children can enjoy their toys and games without cluttering shared spaces if space allows. In smaller homes, creative solutions like corner play zones or foldable play setups can make the most of limited space. Adding a playmat or a colorful rug can help define these areas, making them visually distinct and inviting for children.

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Prioritizing Safety in Design

Safety should be at the forefront when creating spaces for children. Secure heavy furniture like bookshelves and dressers to the wall to prevent tipping. Use outlet covers, cabinet locks, and corner protectors on furniture to minimize hazards. Flooring options such as carpets or foam mats can reduce the risk of slips and falls. Installing safety gates in areas like staircases or kitchens can provide additional layers of protection. Regularly inspecting the space for potential dangers ensures ongoing safety and peace of mind for parents.

Creating Zones for Play, Learning, and Relaxation

Children benefit from spaces that support a variety of activities. Designating specific zones for play, learning, and relaxation within a single room can help organize their daily routines. A well-lit desk with storage for supplies creates a conducive space for homework, while soft seating like bean bags or cushions provides a cozy spot for reading or quiet time.

Personalizing your child’s space makes it feel special and unique to them.

Rotating toys and books in the play zone can keep the space fresh and exciting for your child. Incorporating a small rug or mat can visually define these zones, making the room feel organized and purposeful while encouraging kids to explore each area.

Small boy playing with shells

Set up a nature-themed area for rocks, shells, or other items they collect to help them personalize their play space.

Photo: Paige Cody/Unsplash

Selecting Child-Friendly Furniture

The right furniture plays a key role in setting up child-friendly spaces. Opt for sturdy pieces, low to the ground and free of sharp edges. Appropriate tables and chairs allow children to feel comfortable and independent.

Consider multifunctional furniture, such as beds with built-in drawers or benches with storage compartments, to maximize utility while minimizing clutter. Selecting neutral or timeless designs ensures the furniture grows with your child and complements evolving decor.

Adding Personalized Touches

Personalizing your child’s space makes it feel special and unique to them. Wall decals featuring their favorite characters, a gallery of their artwork, or a small display shelf for treasured items can create a sense of ownership. Including their input when selecting colors or themes fosters a sense of independence and helps them feel more connected to their new environment. Adding a family photo or a cherished item from their previous home can also provide a comforting sense of familiarity. Elements like a personalized nameplate or custom bedding can enhance their emotional connection to the space.

Using Storage Solutions to Stay Organized

Keeping children’s spaces tidy is easier with smart storage solutions. Bins, baskets, and shelves that are easy for kids to reach encourage them to take part in organizing their belongings. Labeling storage containers with words or pictures helps younger children understand where items belong.

If additional storage is needed during the moving process, companies like Valley Relocation and Storage can provide convenient options to store excess belongings while you settle into your new space. Built-in storage units can further optimize space while maintaining a clutter-free environment.

Incorporating Nature and Natural Light

Integrating nature into your home can positively affect children’s well-being. Place small potted plants in their room or set up a nature-themed corner with rocks, leaves, or other items they collect. Ensure plenty of natural light reaches their space by using light curtains or positioning play areas near windows. Adding a small fish tank or terrarium can also introduce an engaging natural element that teaches children responsibility.

If natural light is limited, warm LED lights can create a cozy atmosphere while mimicking the benefits of daylight.

Adapting to Different Ages and Stages

As children grow, their needs and preferences change. Furniture that once worked for a toddler may no longer suit a preteen, so flexibility is essential.

Invest in adjustable furniture, like desks or chairs, that can grow with your child. Open shelving can evolve from storing toys to housing books or hobbies. Incorporating versatile decor elements, like modular storage or interchangeable wall art, helps the space adapt effortlessly to their changing needs. Regularly involving your child in decisions about updates ensures the space remains functional and reflects their unique personality.

Making the Move Comfortable for Kids

Setting up child-friendly spaces in a new home ensures your children feel secure, happy, and inspired in their surroundings. You can create areas where your kids can grow and thrive by prioritizing safety, personalization, and functionality. As you settle into your new space, remember that thoughtful design can significantly affect how your family experiences your home. Including your children in the process enhances space and strengthens their sense of belonging and connection to their new home.

How to avoid fraudsters when you are in financial distress

Photo: RDNE Stock/PEXELS

StatePoint - Although fraudsters will prey on anyone, many tactics specifically target those facing financial hardship in the wake of a natural disaster.

To help you avoid becoming a victim when you’re most vulnerable, Freddie Mac is providing these tips and insights:

Watch Out for Common Disaster-Related Scams

As the intensity of severe weather events increases, understanding common disaster-related scams can help you avoid them. These include:

High-Interest Loans for Repairs: In this scam, someone may offer to loan you money for home repairs, often at a high interest rate, while you wait for your insurance money. In return, they ask for a post-dated check, your auto title or your tax refund. Although this may provide short-term relief, it’s an example of predatory lending because the high interest rates could end up costing you more in the long term. Read any contract before signing it, and make sure you understand the total cost of the loan, including its terms and fees.

Repair Contractor Prepayment: In this scam, your home repair contractor may ask you to sign a “direction to pay form” that allows your insurance company to pay the contractor directly, even before the repair work is completed. This can leave you vulnerable to incomplete or poor quality work. To avoid this scam, read your contract carefully and do not authorize the full payment amount until you are satisfied with the final product.

Requests for Financial Information: In this scam, a person claiming to be a government employee or disaster relief professional may request financial information, saying they need it to help you recover from a crisis. Protect yourself by never giving anyone your personally identifiable information by phone, email, text or in person without confirming their identity. For example, ask for identification and independently call the entity the person claims to work for.

If You’re Struggling to Pay Your Mortgage, Beware of Fraudsters

If you’re struggling to pay your mortgage after a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.

Foreclosure Rescue Fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly:

Require you to sign the title to your home over to them.
Ask you to sign unfamiliar documents.
Ask you to share personal information.
Charge you rent to stay in your home.
Offer to pay your delinquent mortgage by purchasing your home.
Promise that you can repurchase your home when your financial situation improves.

Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, often at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.

Loan Modification Scams: Loan modification scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with your loan servicer on your behalf. They claim that they can obtain a loan modification that reduces your payments.

If someone other than your loan servicer (the company listed on your mortgage statement) offers you mortgage assistance, don’t provide your information.

If you are struggling with your mortgage payment, contact your lender, a certified HUD housing counselor or a housing finance agency. These trustworthy resources can present you with real options to help avoid foreclosure.

Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.

Money Matters |
Low down payment mortgages help first-time home buyers

(Brandpoint) - Traditionally, saving up for a 20% down payment has been the largest obstacle for aspiring homeowners and this challenge is even more acute when interest rates drive monthly mortgage payments higher. Despite higher rates cooling home sales last year, hundreds of thousands of first-time homebuyers leveraged private mortgage insurance (MI) to put as little as 3% down to access homeownership.

It would take the average homebuyer 27 years to save for the down payment and closing costs.

According to a report released by U.S. Mortgage Insurers (USMI), 64% of homebuyers who used private MI last year did so to purchase their first homes and to begin building equity, a 6% increase in first-time buyers' share of the market from 2020. Considering a 20% down payment on the national median home price of approximately $425,000 is $85,000, many aspiring homeowners without the resources to make large cash down payments understandably choose private MI. After all, putting 5% down on that same home requires saving only $21,000 in comparison. USMI reports that 35% of homebuyers using private MI in 2023 had annual incomes lower than $75,000.

"Private MI remains one of the most helpful tools available to first-time and low- to moderate-income buyers in the market. Private MI helps borrowers overcome the large down payment barrier to affordably and sustainably qualify for financing and start reaping the benefits of homeownership years earlier," said USMI Board Chairman and Enact President and CEO Rohit Gupta.

In 2023, private MI helped 800,000 buyers purchase homes using low down payment mortgages, and 39 million homebuyers have achieved this cornerstone of the American dream with private MI since it was first introduced. If a 20% down payment were required, it would take the average homebuyer 27 years to save for the down payment and closing costs, three times longer than the time it would take to save for the 5% down payment that is often used with private MI. Fortunately, you don't need a 20% down payment to become a homeowner.

USMI President Seth Appleton described the role that private MI plays for housing affordability and access as "opening the homebuying experience up to working families, including first-time buyers. People do not need to save for 20, 30 and even 40 years to meet the mythical - but not required - 20% down payment threshold to be able to afford their first house; instead, millions of homebuyers have achieved the American dream of homeownership and started building their wealth and equity by using private MI."

Another advantage for homebuyers, according to USMI, is that private MI is a temporary cost; monthly borrower-paid MI can cancel after the homeowner establishes sufficient equity either through regular payments or home price appreciation. When mortgage insurance is canceled, the borrower's monthly overall payment goes down.

There are many financing options for homebuyers to consider. Learn how you might be able to use private MI to start your homebuying process at lowdownpaymentfacts.com, a resource launched by USMI to offer homebuyers low down payment mortgage information and dispel the myth that a 20% down payment is required to become a homeowner.

Debunking 6 common misconceptions about heat pumps

Photo provided

BRANDPOINT - Heating and cooling often make up the bulk of utility bills - and the right HVAC system can make a world of difference in both energy bills and home comfort. Recently, heat pumps have become a trending topic in the news for their ability to address both of these needs by providing sustainable home comfort while simultaneously lowering utility bills. But can they really do both?

To answer that question, it's important to first understand how a heat pump works. When the thermostat temperature is raised and heat is needed, the system pulls heat energy from the ambient air outside the home to heat the home. When air conditioning is desired, it does the opposite, removing heat from inside the home and expelling it to make the home cooler.

Because heat energy is moved around rather than being produced directly, heat pumps can provide more sustainable - and more efficient fuel source alternatives. In addition, recent advancements have made heat pumps far more efficient and more reliable than ever before - even in colder climates. As a result, both federal and local agencies are offering money-saving incentives to help more homeowners switch to heat pumps making it an ideal time to invest in a new heat pump.

But even with these benefits, there are still a lot of myths about how heat pumps work. We're debunking some of the top heat pump misconceptions.

Myth 1: Heat pumps won't work in cold climates

Fact: Today's heat pumps can provide efficient heating in colder climates than ever before

In the past, some older heat pumps could struggle to heat a space efficiently when outdoor temperatures were especially cold. However, today's heat pumps are engineered to function as the primary heating source in almost all geographic regions, even when temperatures drop below freezing.

The key to providing sufficient heat capacity in especially cold climates is the compressor - the part of a heat pump that moves heat through the system. In the past, heat pumps typically relied on single-speed compressors that functioned like an on/off switch, making it harder for the system to cope with extreme swings in temperature. Today's more advanced heat pumps leverage variable-speed compressor technology to make incremental adjustments that keep pace with changing temperature more efficiently and more accurately. In addition, many heat pumps rated for cold-climate use now feature vapor injection technology, which further boosts cold-weather heating performance.

Myth 2: Heat pumps don't really save money

Fact: 90% of homeowners can reduce their utility bills with a heat pump

The Environmental Protection Agency (EPA) estimates that almost all homeowners can expect to see cost savings by switching to an energy-efficient electric heat pump. Today's heat pump offerings are wide-ranging and can meet the unique needs of almost any home, comfort level, or budget. Innovations in energy efficiency mean less electricity is used to cut costs in most homes. For example, the newly launched YORK® HH8 Side-Discharge Heat Pump can precisely match a home's changing comfort needs while reducing homeowners' energy bills by up to 50% compared to less efficient HVAC systems.

Myth 3: Heat pumps are noisy

Fact: Many heat pumps are as quiet as a dishwasher

No one wants to hear excessive noise coming from their HVAC system. Premium heat pumps combine insulated cabinets and low-sound fan designs to deliver whisper-quiet performance when operating in both heating and AC modes.

Myth 4: Temperatures will be inconsistent

Fact: Heat pumps seamlessly move between heating and cooling for consistent comfort

We all want to feel comfortable in our homes. Variable-speed heat pumps automatically move between heating and cooling modes throughout operation to maintain precise temperature and humidity levels. These seamless adjustments provide unmatched home comfort while helping to maximize energy efficiency, especially when compared to single-phase heat pumps that simply turn on and off and provide inconsistent inside temperatures.

Myth 5: Heat pumps require a lot of space

Fact: New compact designs are 30% smaller than traditional equipment

Innovative, new heat pump designs like the YORK® HH8 Side-Discharge Heat Pump offer top-tier efficiency and variable-speed performance in a compact size. The side-discharge design allows the heat pump to be stacked, placed under raised decks, or installed in zero-lot-line neighborhoods.

Myth 6: Installing a new heat pump is expensive

Fact: A wide range of rebates and incentives are available now

A historic number of savings programs are available to help offset the cost of installing a high-efficiency home heat pump. Through a combination of immediate discounts, tax rebates, and utility and manufacturers' offers, some qualifying homeowners can offset 100% of the cost of installing a heat pump. Additionally, some manufacturers offer simplified financing options with fixed monthly payments to make the investment more manageable.

Unlocking homeownership with down payment assistance and savings plan

Photo: Jill Wellington/Pixabay

StatePoint Media - If you dream of owning a home but aren’t sure whether you have enough money for a down payment, take another look. You might already have enough or be closer than you think.

Down payment and closing cost assistance

Depending on your situation, you may qualify for a grant to help with your housing purchase. Grants can offer down payment and closing cost assistance. Some financing programs also allow qualified homebuyers to put down as little as 3%.

“Aspiring homeowners may want to talk with a mortgage professional to explore their options. They can help aspiring homeowners understand how much they need for a down payment and other upfront costs as well as for ongoing expenses such as insurance, homeowners’ association fees, and unexpected repairs,” says Ewunike N. Brady, head of African American Segment, Wells Fargo Home Lending.

If saving up to buy a home is your goal, how can you put more money away each month to get there sooner? Here are some savings tips to consider:

1. Pay down credit card and loan debt to save money on interest. This may also lower your debt-to-income ratio and increase your credit score, which helps when applying for a mortgage. Start with accounts with the highest interest rates, pay more than the minimum, make payments every two weeks instead of monthly, and consider setting up automatic payments.

2. Track your spending habits and evaluate what you can cut. Many helpful budgeting apps are available. Small changes can add up to big savings. For example, make your own coffee, pack a lunch, carpool, get your hair cut less frequently, or cook and watch movies at home instead of going out.

3. Reconsider subscription services and monthly memberships. How much do you spend per month, and do you use them enough to get your money’s worth? If you have gym membership, can you work out at home or enjoy public recreation areas? How many apps or streaming video or music services do you need?

4. Minimize account fees. Pay attention to when a bank account incurs fees so you can avoid them when possible – for instance, maintain the daily minimum account balance, use your debit card a specified number of times during the month, or stay below a maximum number of withdrawals from a savings account. And of course, avoid overdrafts.

5. Consider using automatic bill pay options through your financial institution or the billing entity, like your utility company. Then you’ll avoid accidental late payments and the fees that come with them.

While saving for a down payment seems daunting, it does not have to be. Understanding the facts about what’s required to buy a home and having a savings plan can put you well on your way to achieving your homeownership goal.

Water-saving tips for homeowners and apartment dwellers

Photo provided

BPT - Water conservation is a topic oftentimes disregarded. If not prioritized by contractors and tenants equally, the ramifications can be costly. As the U.S. population grows so does the need for water, and according to UNICEF, half of the world's population could be living in areas facing water scarcity by as early as 2025.

Whether you're a self-made developer, working contractor, or simply interested in getting into the business, the suggestions below can help counsel and ensure multifamily units are suitable for adequate living.

Water-saving tips

The average American family spends more than $1,000 per year on water costs. That translates to about an $83 monthly water bill, according to the EPA. Fortunately, there are simple tweaks one can implement to help cut down on consumption and reduce that monthly spend.

Install a new showerhead

The average family could save 2,700 gallons per year by installing WaterSense® labeled showerheads. These types of showerheads can also help alleviate water heater demands and save on energy consumption. Luckily, many of Peerless Faucet's bath fixtures are proudly WaterSense labeled which denotes the fixtures use at least 20% less water than the industry standard without compromising performance. A great option is the brand's 5-Function Showerhead with POWERush technology. This showerhead uses larger water drops in a unique wave pattern for a more drenching sensation. With this technology, contractors can promise tenants a rejuvenating experience without increasing overall water usage.

Monitor for potential leaks

Whenever faucets drip, it could be more than just water going down the drain. Faucet leaks waste environmental resources and cost tenants money, which in turn could be requested as a credit from property management. Experts estimate that even a small drip, once every 10 - 15 seconds, can waste almost 15 gallons a month, or nearly half a gallon in a day. You can easily check for leaks by observing the plumbing. It's important to keep eyes peeled and physically feel exposed pipes to check for any running water. Condensation around pipes can also be a sign of leakage. For toilets, a simple dye test can even verify if the flapper is sealing properly and help prevent silent leaks.

For contractors specifically, ensure all fixtures are installed properly - from the back-of-the-wall pipes to the product itself, each step should be followed with care to avoid future leaks. Most brands will provide an install guide within the packaging, but if that gets lost or misplaced, the brand's website can also be a handy resource to find these materials.

Change your bathroom habits

Daily routines that are often overlooked can also have a significant impact on your water bill. For example, many may not realize that each time one leaves the water running while they brush their teeth, four gallons of water goes down the drain. Simply turning off the water while brushing is a simple way to save. Other easy solutions for conserving water are turning off the shower while lathering or the kitchen faucet while scrubbing dishes.

Both contractors and tenants should prioritize water conservation best practices. Water is universal, and an element shared by all, so making sure it's preserved and filtered adequately can ensure a better quality of life and monthly savings.

Allergy season is coming soon, 3 ways to help combat seasonal allergies

BPT - If you regularly experience the symptoms of seasonal allergies, you know how miserable they can make you. The congestion, sneezing, runny nose and itchy eyes can really disrupt your daily routine. During the months when pollen counts are high for common allergens you are sensitive to, it's a good idea to take some proactive steps to help reduce the presence of those allergens in your home, as well as your exposure to them.

Photo: sweetlouise/Pixabay

Here are simple steps you can take that can make a big difference for your symptoms.

Stay updated on current pollen counts

Checking on the daily pollen counts in your area can help you make smart decisions around exposure for you and anyone else in your household who has allergies. On days when the counts are high, you may want to limit the time you spend outdoors, or wear an N95 mask if you do need to be outside for a while. This can help reduce your direct exposure to the pollen that's floating in the air.

You'll also want to make sure to keep all your windows closed on high pollen count days, and let the filter in your HVAC system (and any free-standing air purifiers you may use at home) get to work on keeping your home's air as clean as possible. Regularly replacing filters is also a good idea - and even more frequently than manufacturers' recommendations, if your allergies are severe.

Keep clothes and other items free from allergens

Did you know that you can help remove allergens from clothes and fabrics in your own home? With LG Styler® Steam Closet with TrueSteam® Technology and Exclusive Moving Hangers, you can keep all your clothing and any other items clean, refreshed and deodorized while also helping remove airborne allergens like pollen, pet dander and dust - without using any harsh chemicals.

The LG Styler Steam Closet is easy to install - all you need is a standard outlet - and has a slim design, so it's easy to find a place to use it in your laundry room, bedroom or elsewhere in your home. TrueSteam Technology is a chemical-free steam-generating powerhouse that uses hot vaporized water to penetrate all kinds of fabrics. As the hot steam circulates, the hangers included will vibrate side to side to help shake out dust, allergens and odors.

Because of its effectiveness in helping remove airborne allergens, the LG Styler Steam Closet is certified by the Asthma & Allergy Foundation of America (AAFA). You can even use it for cleaning and removing pollen from hard-to-wash items including backpacks, stuffed toys, gloves, jackets and towels.

Even better, you can pair the LG Styler Steam Closet with Alexa or Google Assistant, or use the ThinQ App to download specialty care options, remotely check on remaining cycle time and more. Visit LG.com to learn more.

Reduce pollen, dander and dust on floors

It's all too easy for allergens to settle on the floors throughout your home, so it's best to keep them as clean as possible. If you can replace carpets with flooring that's easier to keep clean, that is one recommended tactic. If not, use a vacuum cleaner with a HEPA filter to keep carpets clean, at least once or twice a week. Consider shampooing your carpet every two to three months to keep it as clean as possible, or you could hire a professional carpet cleaning service.

For hard surfaces, regular vacuuming and mopping can help keep airborne allergens from accumulating. Make sure to wear an N95 mask while you're vacuuming to help protect yourself from dust, dander or pollen that gets kicked up while you're cleaning.

You don't have to be at the mercy of allergens, even on days when the pollen count is high. Following these strategies should help you reduce your allergy symptoms this season - and throughout the year.

Living nightmare; moving scams are the worst

Photo: StatePoint

During initial contact with the landlord or a rental company, ask questions about the leasing process. Before signing that new lease, you should read it thoroughly. If something seems off, clarify it beforehand or walkaway from the rental.

StatePoint Media - In difficult economic times, fraudulent housing schemes become more prevalent, impacting homeowners and renters alike. To help you avoid becoming a victim of fraud, Freddie Mac is sharing the following insights and tips about the most common tactics and scams.

Predatory Lending

Previous financial disasters have led to more robust consumer protection laws. Nevertheless, you should remain vigilant about predatory lending. Look for warning signs, such as pressure tactics, incomplete, confusing or contradictory loan terms, and high rates and fees, including penalties for paying your loan off early. Additionally, lenders should not suggest you take out more credit than you need or suggest a monthly loan payment that does not cover the interest due on your loan. It’s important to work with someone you trust. If you’re hesitant to move forward with a lender, consult a HUD-certified housing counselor or lawyer to gain a better understanding of the loan terms.

Foreclosure Rescue Fraud

Fraudsters often target those in distress. During times of financial hardship, be especially aware of foreclosure rescue fraud, where someone falsely promises to be able to save your home from foreclosure. Common elements of this scheme include the fraudster requiring you to sign over the title to your home, asking you to sign unfamiliar documents or share personal information, and charging you rent to stay in your home. They may also offer to pay your delinquent mortgage by purchasing your home with the promise that you can repurchase it when your financial situation improves. If you’re struggling with mortgage payments, don’t deal with unknown entities. Directly contact your loan servicer, a HUD-certified housing counselor or a Housing Finance Agency for legitimate options to help avoid foreclosure.

Fraudulent Leases and Units

Millions of Americans have lost money due to fraudulent rental listings. You can avoid becoming a victim of this scam by always seeing a unit in person or over video conference before renting it, and by never paying a security deposit until you have signed a lease. Be sure to read your lease thoroughly before you sign it, asking questions about any concerning details early in the process. When rental unit hunting, be wary of red flags such as prices that are too good to be true, listings riddled with grammatical errors and property managers asking for personal information before you’ve seen a unit.

Moving Fraud

Typically, moving fraud occurs when scammers who act like legitimate movers provide a low estimate and, once you move, demand a higher price and withhold your belongings until you pay. To avoid this scam, research the company to ensure it is legitimate, insured and has good reviews. You should also know that reputable moving companies never require advance payments or use high-pressure sales tactics.

Report Scams Immediately

If you believe you’ve been a victim of a scam, take the following actions:

• If a criminal has your identification information, call your creditors to cancel your credit cards. Review your transactions to make sure you recognize them. You can also request that creditors receive your written consent before changing your mailing address or sending a replacement credit card. Your creditors may advise additional precautions.

• Contact the credit bureaus to freeze your credit reports so that there’s no activity on your reports unless you approve it.

• Report the scam to one or more of the following entities: the Federal Trade Commission, the Consumer Financial Protection Bureau, HUD’s Office of the Inspector General Hotline, and the U.S. Department of Justice.

To access Freddie Mac’s collection of fraud prevention resources, visit myhome.freddiemac.com.

Whether you’re a prospective homebuyer or seasoned renter, a scam could potentially impact you. Familiarizing yourself with common tactics can help you identify a scam before it’s too late.

“Navigating the many slide-in range options available today can feel daunting. That’s why it’s important to identify your must-have features before making a purchase,” says Peter Weedfald, senior vice president of sales and marketing at Sharp Home Electronics Company of America.

Not sure where to start? This range-purchasing guide offers five important factors to consider:

1. Size. A standard 30-inch slide-in range is a great option for most homes. If you’re looking for more cooking surface however, scale up to a 36-inch model. There are also 24-inch options for compact kitchens. Before making any purchase, measure the space to ensure the unit will fit, and that you can open the door.

2. Cooktop Surface and Fuel Source. There are three main cooktop surfaces to choose from: gas, radiant (electric) and induction. This decision can be influenced by the power source supply in your kitchen. If you have a gas line, you could choose any of the three, as long as there is also electric connectivity. If you don’t, consider a radiant or induction slide-in range. If you love the power from the open flame of a gas cooktop but desire the cooking capabilities of electric ovens, you can narrow your search to dual ovens. Helpful Hint: The cooking power measurement will indicate whether you’re dealing with gas or electricity. Gas ranges use BTUs (British Thermal Units) and electric ranges measure power output in watts.

3. Capacity. The interior capacity is the space within the range’s cavity. This is the oven. Knowing your cooking habits can help guide you in the right direction. While a standard slide-in range often offers enough capacity for an average-sized family, if you’re prone to entertaining crowds, a larger capacity like 6.1 or 6.3 cubic feet may better suit you. If you find yourself often preparing food at two different temperatures and cooking times, a dual oven may be your best bet.

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4. Finish. Whether you’re curating your kitchen piece by piece or all at once, choose an exterior finish that fits your vision. Check out the oven’s interior cavity as well. You can make a statement with an unexpected pop of color here! The Sharp 30-inch Electric Convection Slide-in Range with Air Fry (SSR3065JS) offers a sleek edge-to-edge black glass exterior paired with a cobalt blue interior. If you prefer a more neutral, toned-down feel, keep it classic with a black or gray cavity.

5. Oven Features. When prioritizing features, consider your cooking habits and needs. If counter space is a priority, the Sharp SSG3065JS is a family-size air fryer, so that is one less thing to take up your precious space.

The Sharp SSG3065JS has 34,500 BTUs of cooking power and a variety of cooking modes, including Pizza, Convection Bake/Roast, and Air Fry. The Sharp Slide-In Ranges SSG3065JS and SSR3065JS can help take the guesswork out of cooking meat. Both ranges have built-in precision probe thermometers that automatically turn off the oven when the internal food temperature reaches the programmed setting.

Learn more about slide-in range cooking features and design choices by visiting shop.sharpusa.com/products/ranges.

“When curating your dream kitchen, the ultimate goal is finding a range that looks great in your space and can help you bring your culinary creations to life,” recommends Weedfald.