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Name:    
Alex Poul
Gender:male
Age:37
Nationality  : American
Location:
 Denver, United States
Last login: 11th November 2009
Alex is: Skiing, biking in Breckenridge, United States 
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Eye Colour Black
Hair Colour Brown
Build Athletic
Height 5' 9' (175 cm)
Occupation IT
Education College
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Make a contribution towards regeneration projects each time you travel so that you offset your Carbon by investing your money in clean energy projects, industrial efficiency projects or the planting of trees. For more information, check out our carbon footprint profile, which includes a flight calculator to help you offset your carbon when you travel.
Take your shopping bags back to the supermarket next time you shop saving energy and waste by reusing bags instead of accepting more disposable ones in each shop. Waste not only discharges CO2 and methane into the atmosphere, it can also pollute the air, groundwater and soil. Choose products that come with little packaging and buy refills when you can. You will also cut down on waste production and energy use!
Recycling aluminum cans, glass bottles, plastic, cardboard and newspapers can reduce your home's carbon dioxide emissions by 850 pounds per year. Batteries, phones, and other electrical goods can also all be recycled!
Wrapping your water heater in an insulation blanket will save 1,000 pounds of carbon dioxide a year with just one simple action. You can save another 550 pounds per year by setting the thermostat no higher than 50°C.
Turn off lights when you leave a room, and use only as much light as you need. Turning off your television, video player, stereo and computer when you're not using them rather than using the ‘Standby’ button will hugely impact the electricity you use.
Keeping your thermostat at reasonable temperatures in both the winter and the summer and turning down the heat whilst you’re sleeping or away during the day is a great energy saver. Setting your thermostat just 2 degrees lower in winter and higher in summer could save about 2,000 pounds of carbon dioxide each year.
Make sure your car is running efficiently. Regular maintenance helps improve fuel efficiency and reduces emissions. When just 1% of car owners properly maintain their cars, nearly a billion pounds of carbon dioxide are kept out of the atmosphere. If you want to get fit and walk a little more, avoiding just 10 miles of driving every week would eliminate about 500 pounds of carbon dioxide emissions a year!
Replacing regular light bulbs with compact fluorescent light (CFL) bulbs will not only save you money over the life of the bulb, they will also last 10 times longer than an incandescent bulb, use two-thirds less energy, and give off 70 percent less heat. If you can afford it, begin to replace older appliances in your home with more energy-efficient ones. These products will reduce your energy output and save money on your electricity bill.
Not only do they reduce the amount of carbon dioxide in the air, but they can provide shade for your home (reducing energy costs) and can produce fruits that you won’t have to buy at the store. A single tree will absorb approximately one ton of carbon dioxide during its lifetime.
Change the power management settings on your PC to go into ‘sleep’ mode when not in use. The surge of power used by a CPU to boot up is far less than the energy used by the unit when left on for over 3 minutes. A computer left continuously running will emit 2161 pounds of CO2 in a year. Turning a computer off at night so it runs only 8 hours a day computes to a reduction of 810 kWh per year, or a 67% yearly savings.
Turn off the tap whilst washing dishes or brushing your teeth and make sure to run washing machines or dishwashers with a full load. If you can, buy a low-flow showerhead to save hot water and about 350 pounds of carbon dioxide yearly. Reduce the temperature on your washing machine to lower your hot water use and the energy required to produce it. That change alone can save at least 500 pounds of carbon dioxide annually in most households.
Persuading just one person to recycle with you, or to change the power settings on their PC will double your efforts. Tell 10 and you can really make a difference!
Global Warming

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I would suggest staying with 30 yr fix, instead of 15 yr. That allows you the lower payment in case you run into some trouble where the low payment is good. If you do 15 yrs, you're stuck at a higher payment. Use part of the $500 to pay down the principal and shore up your emergency fund. doing a fixed 30 yr gives you the leeway in case of any unforeseen issues.

with that, i got approved for a 4.25% with 2 points and some fees...rolling it over to the loan. the points may sound high, but because of such a low rate, 10 yrs, my principal in Breckenridge realestate balance would be the same as if I went with a 5% no points. I save on the interest paid big time.

I was able to refit because my equity is just at 20%...so this probably be the last time i refit for awhile



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