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Bottle-Filling Water Cooler from Elkay
This retrofit Elkay EZH2O bottle-filling station allows users to either drink from the fountain or fill a bottle. Photo: Elkay. Click on image to enlarge.As I always do when I fly, I bring my own stainless-steel water bottle, finishing the contents before going through security, then filling it so that I don't need a plastic water bottle from the flight attendant. When I flew out of O'Hare in Chicago to return home from a meeting the other day, for the first time I filled my bottle from a new Elkay EZH2O bottle filling station.
It's much more convenient. Unlike filling from a standard drinking fountain, it only took one hand, so I didn't have to contort my body to keep my computer bag from slipping off my shoulder as I stooped over and waited for my bottle to fill. It's a lot faster, with a 1.1 gallon-per minute (gpm) fill rate--close to three times that of a standard drinking fountain. And I didn't have to keep raising and lowering the mouth of the bottle to keep the water flowing in as the pressure changed and the stream rose and fell.
Mostly I like the new bottle-filling station for the environmental benefits of avoiding the use of plastic water bottles. Consider:
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July 29, 2010
| Average Mortgage Rates | ||
| 30 Yr FRM | 4.60% | -0.03% |
| 15 Yr FRM | 3.99% | -0.04% |
| FHA 30 Year | 4.62% | -0.03% |
| Jumbo 30 Year | 6.01% | -0.03% |
| 5/1 Yr ARM | 3.62% | -0.04% |
| View Current Mortgage Rates | Compare Rates | Updated: 7/29/10 2:25 PM | |
Latest Commentary
Treasury Auctions Done. Bonds Cautiously Resilient as Stocks Repeat History - MBS Commentary
I hinted at this observation this morning but I will expand. The last time 10s broke through 3.00%...it was during an auction week. It just so happened that stocks rallied during that period, mostly thanks to a short squeeze. Unfortunatley the S&P failed to extend that rally after running into a cluster of technical resistance around 1110. Short... Read More
Can Mortgage Rates Go Any Lower? - Mortgage Rate Watch
I suppose the first step of this scenario coming true is the "double-dip". Some folks say the deflationary spiral has already taken hold, others say we're dealing with a crisis of confidence and the underlying economy is strong. Working in the housing market I am exposed to excess amounts of negativity, but I also see evidence of a bottom... Read More
Provided by Mortgage News Daily
This information is not an advertisement to extend consumer credit
as defined by Section 226.2 of Regulation Z. This is not an offer to
enter into an agreement regarding interest rates. The rates quoted do
not include discount points, origination points, or loan level risk
based price adjustments. Rates and terms are subject to change without
notice.
...(read more)
Forward this article via email: Send a copy of this story to someone you know that may want to read it.
July 28, 2010
| Average Mortgage Rates | ||
| 30 Yr FRM | 4.63% | -0.02% |
| 15 Yr FRM | 4.03% | -0.03% |
| FHA 30 Year | 4.65% | -0.02% |
| Jumbo 30 Year | 6.04% | -0.04% |
| 5/1 Yr ARM | 3.66% | -0.02% |
| View Current Mortgage Rates | Compare Rates | Updated: 7/28/10 6:48 PM | |
Latest Commentary
Can Mortgage Rates Go Any Lower? - Mortgage Rate Watch
I suppose the first step of this scenario coming true is the "double-dip". Some folks say the deflationary spiral has already taken hold, others say we're dealing with a crisis of confidence and the underlying economy is strong. Working in the housing market I am exposed to excess amounts of negativity, but I also see evidence of a bottom... Read More
MBS Prices Hit New Record High After 5-Year Note Auction - MBS Commentary
Front-month TBA levels set yet another new record high this morning and yield spreads continued to tighten vs. benchmarks. While the street more than likely sees the current coupon in the +55/10s range, my weighting on the 4.0 has the current coupon closer to +68/10s. No matter how you slice it, mortgage valuations are rich, and everyone still wants... Read More
Provided by Mortgage News Daily
This information is not an advertisement to extend consumer credit
as defined by Section 226.2 of Regulation Z. This is not an offer to
enter into an agreement regarding interest rates. The rates quoted do
not include discount points, origination points, or loan level risk
based price adjustments. Rates and terms are subject to change without
notice.
...(read more)
Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Dehumidifiers
The Therma-Stor Santa Fe Max Dry Dual XT is one of the most efficient stand-alone dehumidifiers on the market, with an Energy Factor of 3.75 liters/kWh. Photo: Therma-Stor. Click on image to enlarge.Last week, after reviewing a little physics regarding condensation and latent heat, I described how air conditioners remove unwanted humidity. This week I'll examine how dehumidifiers work in removing moisture and when it makes sense to use them.
Like air conditioners, dehumidifiers remove moisture by condensing water vapor out of the indoor air. While an air conditioner dumps the warm air that's produced through that condensation process (latent heat) outdoors, a dehumidifier doesn't get rid of that heat. Instead, releases the warm air into the space where it's is located.
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July 27, 2010
| Average Mortgage Rates | ||
| 30 Yr FRM | 4.65% | -0.01% |
| 15 Yr FRM | 4.06% | 0.00% |
| FHA 30 Year | 4.67% | -0.02% |
| Jumbo 30 Year | 6.08% | -0.01% |
| 5/1 Yr ARM | 3.68% | -0.02% |
| View Current Mortgage Rates | Compare Rates | Updated: 7/27/10 5:15 PM | |
Latest Commentary
Mortgage Rates Still Immune to Rising Benchmark Yields - Mortgage Rate Watch
Stocks rallied after S&P/Case-Shiller data, but sold off after Consumer Confidence flashed. This created a bit more volatility in the bond market. Both benchmark Treasuries and mortgage-backed securities traded in a wide range. While Treasury yields ended up closing higher on the day, MBS managed to keep it together, closing the session basically... Read More
Dealers Prop 2-Year Auction Demand. Assessing Lender Reprice Potential - MBS Commentary
The only reason I'm not saying this auction was terrible is because yields were so low prior to the issue that it likely kept some accounts on the sidelines. This is illustrated via the high bid-to-cover ratio and low "hit rate" seen from direct bidders. Indirect buyers were definitely interested, but only at cheaper costs/higher yields... Read More
Provided by Mortgage News Daily
This information is not an advertisement to extend consumer credit
as defined by Section 226.2 of Regulation Z. This is not an offer to
enter into an agreement regarding interest rates. The rates quoted do
not include discount points, origination points, or loan level risk
based price adjustments. Rates and terms are subject to change without
notice.
...(read more)
Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Highlights from the LEED-EBOM 2009 addenda
The U.S. Green Building Council (USGBC) has now released several sets of LEED addenda for LEED-EBOM 2009—corrections and changes to the rating system since its official release. The earliest of these start in November 2009, and the latest batch came out in July 2010.
Following is a summary of the more useful LEED-EBOM addenda to date. Most of the rest is less critical to project teams unless you need clarification on things like understanding that "includesincludes" on page 23 of the Reference Guide really means "includes."
- Janitor sinks out. WEp1 no longer includes janitor sinks.
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Highlights from the LEED-EBOM 2009 addenda
The U.S. Green Building Council (USGBC) has now released several sets of LEED addenda for LEED-EBOM 2009—corrections and changes to the rating system since its official release. The earliest of these start in November 2009, and the latest batch came out in July 2010.
Following is a summary of the more useful LEED-EBOM addenda to date. Most of the rest is less critical to project teams unless you need clarification on things like understanding that "includesincludes" on page 23 of the Reference Guide really means "includes."
- Janitor sinks out. WEp1 no longer includes janitor sinks.
[More]
July 26, 2010
| Average Mortgage Rates | ||
| 30 Yr FRM | 4.66% | 0.00% |
| 15 Yr FRM | 4.06% | 0.01% |
| FHA 30 Year | 4.69% | 0.02% |
| Jumbo 30 Year | 6.09% | 0.01% |
| 5/1 Yr ARM | 3.70% | 0.04% |
| View Current Mortgage Rates | Compare Rates | Updated: 7/26/10 3:13 PM | |
Latest Commentary
What Will Move Mortgage Rates in the Week Ahead? - Mortgage Rate Watch
When asked "What Will Move Mortgage Rates in the Week Ahead?", our answer is NOTHING! That is unless the herd of investors who've parked their money in "flight to safety" assets start to favor riskier investments like stocks. It going to take a big old rally in stocks to convince the "flight to safety" crowd that it's... Read More
Rates Holding FTQ Bid as Stocks Hit Session Highs. Loan Pricing Comparison - MBS Commentary
The last time S&Ps moved over 1,100, the 10 year note touched 3.12%, but that was right before the Treasury auctioned debt supply in the long end of the curve. Today trading volumes are low in the rates market and the "flight to safety" appears to be holding steady. Stocks may find it difficult to gain momentum unless more money flows... Read More
Provided by Mortgage News Daily
This information is not an advertisement to extend consumer credit
as defined by Section 226.2 of Regulation Z. This is not an offer to
enter into an agreement regarding interest rates. The rates quoted do
not include discount points, origination points, or loan level risk
based price adjustments. Rates and terms are subject to change without
notice.
...(read more)
Forward this article via email: Send a copy of this story to someone you know that may want to read it.
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