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Since early 2009, the Consumer Product Safety Commission (CPSC) has been contacted by more than 1,000 residents of 27 states, Puerto Rico and the District of Columbia about possible chemical emissions from imported drywall that was used when their homes were built or remodeled. Most calls were from persons in Florida, Louisiana, and Virginia.

At this time, experts believe that defective drywall imported from China was installed in homes built or remodeled after 2003.

The number and location of all affected or potentially affected homes are not yet known.

CPSC is leading the federal investigation into complaints about imported drywall. The Centers for Disease Control and Prevention (CDC), the Agency for Toxic Substances and Disease Registry (ATSDR), the U. S. Environmental Protection Agency (EPA), and the
U.S. Department of Housing and Urban Development (HUD) are providing technical support to CPSC and several state health departments. CDC and ATSDR are working with other federal and state agencies to identify what chemicals are in the drywall and if these chemicals are a health risk to persons living in homes containing this drywall.

How can I find out if my home has imported drywall?

Corrosion: Are any of your home's copper pipes, plumbing fixtures, or uninsulated electrical wires at light switches or receptacles corroded? Have your air conditioner evaporator coils failed early? Metal or copper corrosion of these types may mean there is defective drywall in your home.

Odor: Does your home have an odor that smells like rotten eggs, matches, or fireworks? A sulfur odor in the home might mean defective drywall is present.

Label: Can you see the back side of your drywall? Some drywall from China is stamped with "Made in China" on the back. However, some Chinese drywall does not have a label or markings.

The Florida Department of Health developed a guide for residents to help them identify drywall problems.

What has been found in the air of homes that contain imported drywall?

State and federal agencies are testing the air inside some homes in Florida, Louisiana, Virginia, Alabama, and Mississippi. They are testing homes in which homeowners suspect they have contaminated drywall and, for comparison, other homes in which no problems have been reported. State and federal agencies will evaluate these results to determine whether there is a health problem. This evaluation is expected in the fall of 2009.

How can Chinese drywall affect my health?

Some persons are more sensitive than others to possible chemical exposures. An exposure that causes no problems for some people can make other people sick or uncomfortable. Persons most likely to get sick from breathing contaminated air include the elderly, children, and people with asthma, allergies, lung disease, and heart problems. Until federal agencies get more information from the indoor air testing, it is not possible to determine if the symptoms people are experiencing are possibly from drywall.

What else should I do if I may be having health problems from imported drywall?

See or call a doctor if you are experiencing health problems and say that you are concerned your illness might be related to imported drywall. Tell your doctor about the health care provider fact sheet for imported drywall. A fact sheet from CDC tells your health care provider how to get more information.

• Go outdoors to get fresh air. Scientists do not know what, if any, benefit there is to opening windows to allow fresh air to come into the home.

Are there other problems I should watch for in my home that may be related to imported drywall?

• Some homes with imported drywall have had damage to exposed wiring. We do not know of any house fires that have occurred related to the drywall. If you experience unusual electrical problems in your home (such as appliances or light switches not working), ask a licensed electrician to check out the problem.

Where can I get additional information?

You can report a drywall problem to CPSC  by calling them at 1-800-638-2772.

Since early 2009, the Consumer Product Safety Commission (CPSC) has been contacted by more than 1,000 residents of 27 states, Puerto Rico and the District of Columbia about possible chemical emissions from imported drywall that was used when their homes were built or remodeled. Most calls were from persons in Florida, Louisiana, and Virginia.

At this time, experts believe that defective drywall imported from China was installed in homes built or remodeled after 2003.

The number and location of all affected or potentially affected homes are not yet known.

CPSC is leading the federal investigation into complaints about imported drywall. The Centers for Disease Control and Prevention (CDC), the Agency for Toxic Substances and Disease Registry (ATSDR), the U. S. Environmental Protection Agency (EPA), and the
U.S. Department of Housing and Urban Development (HUD) are providing technical support to CPSC and several state health departments. CDC and ATSDR are working with other federal and state agencies to identify what chemicals are in the drywall and if these chemicals are a health risk to persons living in homes containing this drywall.

How can I find out if my home has imported drywall?

Corrosion: Are any of your home's copper pipes, plumbing fixtures, or uninsulated electrical wires at light switches or receptacles corroded? Have your air conditioner evaporator coils failed early? Metal or copper corrosion of these types may mean there is defective drywall in your home.

Odor: Does your home have an odor that smells like rotten eggs, matches, or fireworks? A sulfur odor in the home might mean defective drywall is present.

Label: Can you see the back side of your drywall? Some drywall from China is stamped with "Made in China" on the back. However, some Chinese drywall does not have a label or markings.

The Florida Department of Health developed a guide for residents to help them identify drywall problems.

What has been found in the air of homes that contain imported drywall?

State and federal agencies are testing the air inside some homes in Florida, Louisiana, Virginia, Alabama, and Mississippi. They are testing homes in which homeowners suspect they have contaminated drywall and, for comparison, other homes in which no problems have been reported. State and federal agencies will evaluate these results to determine whether there is a health problem. This evaluation is expected in the fall of 2009.

How can Chinese drywall affect my health?

Some persons are more sensitive than others to possible chemical exposures. An exposure that causes no problems for some people can make other people sick or uncomfortable. Persons most likely to get sick from breathing contaminated air include the elderly, children, and people with asthma, allergies, lung disease, and heart problems. Until federal agencies get more information from the indoor air testing, it is not possible to determine if the symptoms people are experiencing are possibly from drywall.

What else should I do if I may be having health problems from imported drywall?

See or call a doctor if you are experiencing health problems and say that you are concerned your illness might be related to imported drywall. Tell your doctor about the health care provider fact sheet for imported drywall. A fact sheet from CDC tells your health care provider how to get more information.

• Go outdoors to get fresh air. Scientists do not know what, if any, benefit there is to opening windows to allow fresh air to come into the home.

Are there other problems I should watch for in my home that may be related to imported drywall?

• Some homes with imported drywall have had damage to exposed wiring. We do not know of any house fires that have occurred related to the drywall. If you experience unusual electrical problems in your home (such as appliances or light switches not working), ask a licensed electrician to check out the problem.

Where can I get additional information?

You can report a drywall problem to CPSC  by calling them at 1-800-638-2772.

California regulators have approved using residential "gray water" by issuing an emergency decision that allows residents to create simple water-reuse systems without a construction permit.

The California Building Standards Commission had expected an overhaul of gray-water rules to take effect in 2011. But on Thursday, it adopted the regulations on an emergency basis due to the deepening drought. Local health agencies may adopt stricter conditions than the state's after they hold public hearings.

Gray water includes wastewater from showers, bathtubs, bathroom sinks, laundry tubs and washing machines, but not from toilets, kitchen sinks or dishwashers.

Homeowners still must follow state guidelines for installation and use. The rules require minimal contact between people and the gray water, for instance by covering the water-release point with at least 2 inches of rock, mulch or other material.

'GRAY WATER' FACTS

New state rules provide permit exemptions for some residential gray-water systems, but people still have to follow several requirements. They include:

 The system must allow users to direct water to an irrigation field or the sewer.

 Ponding and gray-water runoff are prohibited.

 Gray water can be released above ground, but the discharge point must be covered by at least 2 inches of mulch, rock or other material that minimizes human contact.

 Water used to wash diapers or other soiled garments must be sent to the sewer.

 Gray water shouldn't be used on root vegetables.

Online: For more information about California's new standards for gray-water systems, go to uniontrib.com/more/gray.

Roughly 1.7 million gray-water systems are installed statewide. Most are illegal because homeowners almost always avoid permits and the associated fees.

Do-it-yourselfers can build a gray-water system for $200 or less, but permitting-process costs can more than double the expense.

A standard home generates about 160 gallons of gray water per day, or nearly 60,000 gallons per year, state officials said. A family of four could reuse 22,000 gallons a year by tapping the rinse water from its washing machine.

Seniors face aging issues with their houses and condos.  They must make decisions about what needs to be remodeled, and how to pay for it -- and for seniors that is usually more complicated than for people with full time jobs.  Reverse mortgages have become available as one tool.  But local and state programs also make loans available through affordable housing programs to help seniors remodel for energy efficiency, weatherization and major repairs such as roofing, plumbing and window replacement.

According to the AARP, the lowest cost reverse mortgages are public loans.

The least expensive reverse mortgages are the ones offered by state or local governments. But these "public sector" loans generally can be used for only a specific purpose, like home repairs. Many are only available to persons with low to moderate incomes. But the low cost can make these loans very attractive.

Energy Efficiency and Weatherization

Remodeling projects or home maintenance projects of significant sizes, such as major plumbing upgrades, or energy efficient window replacement or a new roof, can warrant using equity in your home.   These major home renovations can improve the quality of life for a senior at the same time they reduce monthly energy bills and improve the value of the home. 

Deferred Payment Loans (DPLs)

Many local and some state government agencies offer "deferred payment loans" (DPLs) for repairing or improving your home. This type of reverse mortgage gives you a one-time, lump sum advance. No repayment is required for as long as you live in your home.

Property Tax Deferral (PTD)

Some state and local government agencies offer "property tax deferral" (PTD) loans. This type of public sector reverse mortgage generally provides annual loan advances that can be used only to pay your property taxes. No repayment is required for as long as you live in your home.

According to a 2007 AARP study, some type of PTD program is available in parts or all of the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Iowa, Maine, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, North Dakota, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming, and the District of Columbia.

AARP does not endorse any reverse mortgage lender or product -- so do your homework and ask a trusted financal advisor for help in analyzing your situation and the reverse mortgages available to you.

Read more at AARP about Low-Cost Public Loans

Fresh water is a critical resource.  We all use water...and we all can save water.

Some areas are more affected by fresh water shortages than others -- those in arid communities (like southern California) and those whose local water infrastructure is crumbling or inadequate. The issue is bigger than those immediate needs, however.  Climate change is affecting our fresh water distribution patterns...and quantities.  We all can help...starting with conservation.

Replace your toilet with a new low-flow model and cut your water use in half. The toilet is the single largest user of water in the home, accounting for up to 28 percent of water use. Replacing an old toilet with a new model will instantly save water and money -- up to $50 a year. For shopping advice, read "5 Tips for Choosing a Low-Flow Toilet."

According to a recent Remodeling Activity Indicator conducted by the Harvard Joint Center for Housing Studies, homeowners spent $149.5 billion on remodeling during 2005, representing an increase of 4.3 percent over 2004 levels.

Most homeowners use some form of home improvement loan to finance large  home improvement projects, and they often find that figuring out how much money is needed for the remodeling or home improvement project, and how much they can reasonably borow can sometimes prove to be difficult.

Online resources can save time in researching what home improvement loans are available, from whom, and for what. There are many home loan calculators available on the internet. Resources such as HomeLoanCenter.com is one such websites that is easy to navigate with clear explanations of various options.

An online home improvement loan calculator helps homeowners try out different combinations of loan features and remodeling dreams to see what loan option best fits  their situation. In just a few minutes a homeowner can test how various options will translate in terms of repayment, the amount borrowed and potential tax savings available.

It's important for your peace of mind -- and monthly budget -- to be fully aware of all the costs, fees, terms and charges, as well as repayment schedule. involved in a home improvement loan.  

According to the National Consumer Law Center, home improvement scams can result in big problems for homeowners, so it is wise to be careful, check out resources carefully and deal with reputable financial institutions and vendors when it comes to choosing home improvement financing options.

Take the time to check out not only your design...but the people you will be working with.

For more information about online home improvement loan calculators check American Loan Search at http://www.americanloansearch.com/ or HomeLoanCenter.com.