3 Reasons to Not Borrow from a Retirement Account 3 Reasons to Not Borrow from a Retirement Account Dear Mary: I am thinking of taking a loan from my 40l(k) retirement account to pay off my credit-card debt. I can repay the loan with payments taken directly from each of my paychecks, without any …Read more. An Ounce of Prevention Means Money in the Bank Today's topic is not pretty, but unless you have $8,000 earmarked for dental care, it could prevent a lot of pain — both dental and financial. Periodontal disease is an infection that affects the gum tissue around the teeth, the fibers that …Read more. How to Save a Bundle on Prescription Eyeglasses How to Save a Bundle on Prescription Eyeglasses In the interest of full disclosure, let me say right up front that when I first heard that we can now order our prescription eyeglasses online, I scoffed. I rolled my eyes. What next? Mail-order …Read more. Four Steps to Financial Confidence Four Steps to Financial Confidence For a good deal of my life, I lived under a dark cloud of worry that I would end up financially destitute. A survey conducted by Harris Interactive for Allianz Insurance Group reveals that I'm not the only one. In …Read more.more articles
Get Your Ceiling Fan Spinning in the Right Direction
Years ago, a reader sent in her handy tip: "In the winter, make your ceiling fans spin counterclockwise." Or was that clockwise? To be honest, I don't recall. But I do remember the barrage of responses I received. Some thanked me for printing the correct answer, while others told me fans should spin in the opposite direction.
Today I have the real answer for you.
The terms "wind chill index" and "heat index" indicate what the temperature feels like, not what it is in reality. Ceiling fans cannot reduce the temperature inside your home in the summer, but they certainly can make you feel cooler. Ditto for winter; they can make you feel as if the temperature is higher.
Whether you have a wood stove, a fireplace, space heaters or a forced-air system, knowing how to use fans to circulate the hot air is very important because you will be able to achieve comfort while creating less actual heat. The key is to circulate the hot air without creating a draft.
The direction your ceiling fan should spin in the winter depends on the type of fan you have and at which angle the fan blades have been set by the manufacturer (or you, if you altered them).
First look for a switch marked "forward" and "reverse." If the blades are angled properly, you want the fan to spin forward during the summer and in reverse in the winter.
During the winter you want to set the fan to "reverse" so it blows air upward to the ceiling, forcing the hot air down to warm the occupants of the room. Set it on a slow speed to make sure you are not creating a draft.
Now, is that clockwise or counterclockwise? It depends on your specific fan and the way the blades are set.
Are you all mixed up now? Simply set the fan to high and stand under it. Do you feel the air blowing down on you? Then that is your "forward" direction. Make a note.
As the weather cools, make sure each ceiling fan is spinning in the direction that sends air upward. This will increase the heat index in your home without increasing the temperature.
Mary Hunt (email@example.com) is the founder of www.debtproofliving.com and author of 16 books, including "Debt-Proof The Holidays." To find out more about Mary Hunt and to read her past columns, please visit the Creators Syndicate Web page at www.creators.com.
COPYRIGHT 2007 CREATORS SYNDICATE INC.