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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."