Little about the Uyghurs

In the middle of the desert landscapes of Taklamakan, in the north-west part of China, the province of Xinjiang is a least populated land whereas it covers close to a sixth of the nation's area. Getting resisted while in hundreds of years the Han Chinese control, Xinjiang, or Old Eastern Turkistan, fell within the Chinese Han control in 1949. From then, its population is mainly Uyghur People and Turkic - speaking System.

Islamic primarily, the Uyghur people have a deep religious identification that, in particular, permitted them to maintain a strong big difference in opposition to the Chinese enemy. Indeed, the Uyghur Kingdom of Mongolia knew a amazing civilization, until its absorption by the Mongolian Empire in the XIIIth century.

During their historical past, the Uyghurs successively taken on Shamanism, Manicheism, Buddhism and the Nestorianism before finally moving to Islam when the Arab conquerors beat the Chinese in year 751 BC., thus opening the way to the Islamization of the entire Central Asia.

Under the influence of the beliefs which they taken on, Uyghur People taken successively, and at times in a competing way, a great number of written forms (turco-runic, brahmi, tokharien, soghdien) before developing their own graphic system.

The arrival of Islam was a great change since it was followed by the absorption of the Uyghur land in the immense Turco-Mongolian and Islamic Empire. Thus, the descendants of Genghis Khan slowly replaced their writing by a Arabo-Persan alphabet, still used today.

If their writing, their own language and their religion mark a real big difference with the culture of Chinese Han, the Uyghurs also are different from their characteristic, so aspect of Central Asia's people. A matt skin, eyes representing a whole pallet of colors, from black to deep blue, features directing out to the Mongolian, Turkish or Uzbek roots of these men and these women.

For a few years, China has integrated the proper identity of these remote people, though they represent only 9 million inhabitants - a little for this particular great region. Thus, Uyghur people are now part of the fifty six racial minority groups having been well-known in an official way by the People's Republic of China.

This statute will allow them a few rights in a country where their difference is very often repressed. Thus, Uyghur families escape the "single child policy" and their language is accepted as the second official language in Xinjiang Uyghur Autonomous Region.

The integration of the Uyghurs and their culture in the People's Republic of China, however, seems quite illusory. The presence of all-natural resources in Xinjiang Uyghur Autonomous Region, and its distance with locations identified as sensitive, strongly encouraged the government to speed up the sinicization of this area. Million of Han thus came to settle in this new Chinese eldorado, monopolizing the more significant responsibility job opportunities.

In reaction to this true will to assimilate the Uyghurs into the Chinese culture, an independent party like East Turkistan Islamic Movement(ETIM) was born in the early 1990.

Saying more freedom, but especially the recognition of their true identity, this movement was seriously repressed by the power authorities in place Xinjiang Uyghur Autonomous Region.

The situations of September 11, 2001, were the perfect occasion for the Chinese government to justify true reprisals: they declared the "Uyghur freedom fighters" as dangerous terrorists linked to Al Quaida because of their Muslim origins and their proximity with Pakistan and Afghanistan... However, the terrible repression which followed did not calm down the anger. The Uyghurs population continues today to proudly continue to keep their identity and their ethnic heritage , though they become a minority on their own land.

For further information about Uyghur people, you can visit a Uyghur website called Uyghur News at http://www.uyghurnews.com

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This article by Michael is filled with despair and presents evidence that the recovery in the stock market is more like the price of bread in Zimbabwe than a real recovery. - Ilene 

18 Sobering Facts Which Prove That The Middle Class Is Not Being Included In This “Economic Recovery”

Courtesy of Michael Snyder, Economic Collapse

Have you heard the news?  The stock market is absolutely soaring and according to the U.S. government and the Federal Reserve we are in the beginning stages of a robust economic recovery.  Yippee!  The S&P 500 is up 6.8 percent so far in 2011, and the stock market recently hit a two and a half year high.  So shouldn't we all be celebrating?  Well, if stock market performance was an accurate measure of economic health, then Zimbabwe would have had one of the healthiest economies on the entire globe during the last decade. 

But just like Zimbabwe's stock market was artificially pumped up with "funny money" that was rapidly being devalued, so is ours.  All of the "quantitative easing" that the Federal Reserve has been doing is pumping plenty of money into the financial markets and is helping to inflate a false stock market bubble, but it is doing very little to alleviate the suffering of the U.S. middle class.  In fact, when you take a closer look at the numbers you quickly find out that the suffering of the middle class is getting even worse.

According to Gallup, the unemployment rate is now over 10%.  The number of Americans that have given up looking for work recently set a new all-time record.  The number of mortgages in foreclosure tied a record high during the fourth quarter of 2010.  Gas and food prices are rising rapidly.  The number of Americans on food stamps continues to increase every single month.

Yes, right now the economic situation is not in free fall like it was a couple years ago.  We should be thankful for that.  Periods of relative stability such as we are enjoying now will be few and far between in the years ahead.  This "bubble" of economic calm is a great opportunity that we should all be taking advantage of.

However, those that are hoping that this is an economic "turning point" and that things will soon be back to "normal" are going to be greatly disappointed.  This is about as "normal" as things are going to be ever again.

Even during this time of relative economic stability, the U.S. middle class is still being ripped to shreds.  If there are those among your family and friends that are somehow convinced that the U.S. economy is recovering nicely, you might want want to show them the following 18 very sobering facts....

#1 According to Gallup, the U.S. unemployment rate is currently 10.3 percent.  When you add in part-time American workers that want full-time employment, that number rises to 20.2 percent.

#2 According to the U.S. Bureau of Labor Statistics, the number of job openings in the United States declined for a second straight month during December.

#3 There are currently more than 4 million Americans that have been unemployed for more than a year.

#4 The number of Americans that have become so discouraged that they have given up searching for work completely now stands at an all-time high.

#5 Gasoline prices in the United States recently hit a 28-month high.

#6 During the 4th quarter of 2010, 4.63 percent of all U.S. home loans were in foreclosure.  That matched the all-time high, and it was up significantly from 4.39 percent in the 3rd quarter.

#7 It is estimated that there are about 5 million homeowners in the United States that are at least two months behind on their mortgages, and it is being projected that over a million American families will be booted out of their homes this year alone.

#8 Almost 14 percent of all credit card accounts in the United States are currently 90 days or more delinquent.

#9 The average credit card rate in the United States had increased to a whopping 13.44 percent at the end of 2010.

#10 Americans now owe more than $890 billion on student loans, which is even more than they owe on credit cards.

#11 Average household debt in the United States has now reached a level of 136% of average household income.  In China, average household debt is only 17% of average household income.

#12 U.S. life expectancy at birth is now three years less than Canada and four years less than Japan.

#13 New home sales in the state of California were at the lowest level ever recorded in the month of January.

#14 43 percent of all mortgages in south Florida are currently underwater.

#15 Prior to the most recent economic downturn, there were usuallysomewhere around four to five million job openings in America.  Today there are about 3 million.

#16 When you adjust wages for inflation, middle class workers in the United States make less money today than they did back in 1971.

#17 One out of every seven Americans is now on food stamps.

#18 One out of every six elderly Americans now lives below the federal poverty line.

You know things are bad when articles start popping up in the mainstream news instructing us how to interact socially with the hordes of unemployed Americans that are out there today.  A recent USA Today article entitled "What not to say to someone who is unemployed" listed some of the things that you should not say to someone that does not have a job.  The following are some of their suggestions on what NOT to say....

"Hey, have you found anything yet?"

"How's the search going?"

"You just have to pound the pavement."

"Something will turn up."

"It's tough out there."

"Other people are going through the same thing."

"Maybe you're asking for too much money."

"Maybe you should go back to school."

"There are plenty of jobs out there."

I am sure most of us have heard things like this at one time or another.  It can be a soul-crushing thing to have others look at you in pity because you don't have a job and you can't pay the mortgage and feed your family.

Most unemployed Americans are not lazy.  The vast majority of them desperately want jobs.  But the U.S. economy is not producing nearly enough jobs today.  As noted above, the U.S. economy currently has about 3 million job openings, but approximately 20 percent of the workforce wants to find a full-time job.  The demand for jobs is far, far, far greater than the supply.

Unfortunately, this is the legacy of decades of bad economic decision-making.  The U.S. economy should be able to provide work for every single person that wants it, but because of the choices that have been made that will never be the case again.

The middle class in America is being ripped to shreds right in front of our eyes and very little is being done to stop it.  Desperation is rising across the nation.  More Americans slip into poverty every single day.  It is almost as if a cloud of gloom and despair has descended upon the U.S. economy and every single month the situation only seems to get darker.

So what about you?  How has this economy affected you and your family?  Please feel free to leave a comment with your thoughts below.... 

For the past year, we've been digging into the administration's fumbling efforts [1]. We've crunched a lot of numbers along the way, and now we're sharing what we found 2013 including loads of previously unreported data.

Using new Treasury Department figures, previously unreleased documents obtained through Freedom of Information Act requests, and new analyses of state and industry data, we have assembled the most detailed look yet at how the the mortgage industry [2] and the government's main effort, the Home Affordable Modification Program (HAMP), have failed homeowners.

It provides crucial context to the ongoing government investigation into mortgage servicing practices, which might lead to reforms [3] of how banks and servicers handle homeowner requests for modifications.

Here's what we learned:

• Only a fraction of struggling homeowners are getting help.2026 [4]


• Mortgage servicers are only reaching a small fraction of struggling homeowners.2026 [5]


• The largest servicers, especially Bank of America, have left most struggling homeowners in limbo without either modifying or foreclosing. [6]


• HAMP itself hasn't made much difference: It hasn't led to an increase in modifications.2026 [7]


• Just over one in five homeowners who applied for a HAMP mod have received a permanent modification2026 [8]


• And in one quarter of rejections, mortgage servicers - notorious for losing documents - have cited missing documents as the reason. [9]


• Here are your overall chances of getting a mod with each of the top servicers. [10]


• Treasury claims servicers are improving, but its own data show otherwise. [11]


• When servicers offer a mod, it's generally more affordable than mods used to be.2026 [12]


• But instead of mods, servicers have recently been offering more repayment plans, which actually increase struggling homeowners' payments. [13]


• In the end, most government funds set aside to help homeowners are still unused. [14]
  
  
  
  
  
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Founded in 2009 by Amanda Steinberg, DailyWorth is a regular email newsletter that features information and facts on fiscal literacy and cash management skewed towards a female audience. DailyWorth’s subjects vary from tips on how to organize your finances to tax tips to saving information. And DailyWorth has an remarkable editorial staff to create information. MP Dunleavey, earlier a own finance columnist with all the New york Times and at present a contributor with Cash magazine, is primary DailyWorth’s editorial team.

Despite unions’ prolonged hatred of Scott Walker, the new governor is moving to deal with equally the signs or symptoms with the condition and the sickness itself-the public-sector union scheme that has molested Wisconsin’s taxpayers and their little ones by gaming the procedure. Unions like Wisconsin’s teachers’ union [WEAC] (which was Wisconsin’s biggest-spending lobby in 2009) happen to be extraordinarily adept at fixing the method due to spending millions to elect politicians who, in flip, reward the unions at the expense from the taxpayers.

the Wisconsin battle, when in comparison with private-sector negotiations is about: 1) the Scope of Bargaining, 2) Union “Income” Security [Right-to-Work vs. Forced Dues], 3) if Wisconsin should be the unions’ dues assortment company [payroll deduction of dues], and 4) irrespective of whether public-sector unions will need to be ‘recertified’ by holding elections every year.

set the photos over the internet to display our jobs team at msnbc.com, and photographer Jim Seida claimed, why really do not we just publish it as a slide exhibit? I used to be skeptical in the beginning - would that crimp the composing? - but inside the end I used to be advocating performing it this way once the photograph crew was skeptical. I believed much more consumers would browse by using it by doing this, and it will be worth an experiment.”


commercial fishing boats primarily based in Crescent City set to sea final night when the tsunami alert was initially broadcast. It can be better to trip out big waves at sea than on the dock. Now a lot of those boats are operating lower on fuel, nevertheless they are unable to return to port despite the fact that the surges carry on, said Chris Renner, operator of C. Renner Petroleum Co. in Crescent Metropolis, which serves the fleet


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On Monday evening, I watched my very first, The Very last Phrase host Lawrence O’Donnell.
Though O’Donnell laudably tried to emphasis the audience’s awareness onand hopefully previous, Charlie Sheen trainwreck interview, courtesy of the tragic undertow that threatens to pull Sheen beneath for very good, I was overtaken, not from the pulling on the thread, along with the voracious audience he serves. It did not make me depressing, it created me angry.

In regards to celebrities, we can be a heartless nation, basking in their misfortunes like nude sunbathers at Schadenfreude Seashore. The impulse is understandable, to some diploma. It can be grating to listen to complaints from persons who enjoy privileges that most of us can not even visualize. For those who cannot muster up some compassion for Charlie Sheen, who makes more capital for any day’s get the job done than most of us will make within a decade’s time, I guess I can’t blame you.



With all the fast pace of events on the internet plus the data revolution sparked through the World-wide-web, it’s extremely simple and easy for the engineering industry to suppose it’s distinct: continually breaking new ground and engaging in important things that nobody has ever before finished ahead of.

But there are other types of business enterprise that have already undergone a few of the identical radical shifts, and also have just as terrific a stake from the long run.

Take healthcare, for example.

We regularly suppose of it as being a enormous, lumbering beast, but in truth, medication has undergone a sequence of revolutions during the previous 200 a long time that happen to be at the very least equal to all those we see in technological know-how and facts.

Less understandable, but even now within just the norms of human nature, could be the impulse to rubberneck, to slow down and have a look at the carnage of Charlie spectacle of Sheen’s unraveling, but for the blithe interviewer Sheen’s existence as we pass it with the best lane of our daily lives. To be truthful, it might be difficult for customers to discern the big difference amongst a run-of-the-mill interest whore, and an honest-to-goodness, circling the drain tragedy-to-be. On its own merits, a quote like “I Am On the Drug. It’s Named Charlie Sheen” is sheer genius, and we can not all be expected to consider the complete measure of someone’s everyday living each and every time we hear a little something amusing.

Fast forward to 2011 and I'm trying to check out would mean of becoming a bit more business-like about my hobbies (largely songs). From the conclude of January I had manned up and commenced to advertise my weblogs. I had designed a lot of numerous blogs, which were contributed to by acquaintances and colleagues. I promoted these pursuits thru Facebook and Twitter.


Second: the small abomination the Gang of Five about the Supream Court gave us a yr or so ago (Citizens Inebriated) truly incorporates just a little bouncing betty of its own that could incredibly effectively go off inside faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. As this ruling extended the concept of “personhood” to the two firms and unions, to look at to deny them any proper to operate inside of the legal framework that they have been organized underneath deprives these “persons” from the freedoms of speech, association and movement. Which suggests (the moment again, quoting law college educated family) that either the courts really need to uphold these rights for the unions (as individual “persons” as guaranteed from the Federal (and most state) constitutions, or they have to declare that these attempts at stripping or limiting union rights ought to apply to serious corporations, also.

It’s nearing two weeks since unions and their cohorts on the Left have thrown a nationwide fit over Scott Walker’s solution to what is ailing Wisconsin. Unions and Democrats have made Wisconsin their cause célèbre by deploying OFA astroturf, the big talking heads, as well as recruiting just about every known Grateful Dead concert attendee on their mailing lists into Wisconsin. Meanwhile, Democratic state senators (now humorously known as fleebaggers) comically continue to hold the state hostage over an issue of union power, politics and money—nothing more and nothing less.

Despite unions’ long hatred of Scott Walker, the new governor is moving to address both the symptoms of the disease and the disease itself—the public-sector union scheme that has molested Wisconsin’s taxpayers and their children by gaming the system. Unions like Wisconsin’s teachers’ union [WEAC] (which was Wisconsin’s biggest-spending lobby in 2009) have been extraordinarily adept at fixing the system through spending millions to elect politicians who, in turn, reward the unions at the expense of the taxpayers.

Now, in response to Walker’s proposals, the Left has gone overboard in their attempt to protect their stranglehold on Wisconsin taxpayers. Even though unions have made clear that their fight is not about their wages or benefits (they’ve offered concessions), they’ve made the fight all about their “right to be unionized” and the fictitious right to “collective bargaining”—which makes their cause even more despotic.

In making Madison into something reminiscent of the spectacle of the 1960s, unions, Democrats and their liberal cohorts are attempting to make the Wisconsin union battle into a civil rights battle, when it is not.  In fact, the Wisconsin fight, when compared to private-sector negotiations is about: 1) the Scope of Bargaining, 2) Union “Income” Security [Right-to-Work vs. Forced Dues], 3) whether Wisconsin should be the unions’ dues collection agency [payroll deduction of dues], and 4) whether public-sector unions should be ‘recertified’ by holding elections every year.

Contrary to the Left’s hyperbole, Scott Walker’s proposals do nothing to eliminate public-sector workers’ right to association, assemblage, or to petition their government. Even pretending that it is a “rights” issue is a mistake. There is nothing in the U.S. Constitution that requires a government to engage in a back and forth negotiation with a collective of workers. In a poignant piece entitled There is No Right to Collective Bargaining, Public Service Research Foundation President David Denholm summarizes the problem with the unions’ argument, stating:

A law granting public-sector unions monopoly bargaining privileges gives a union, a special interest group, two bites at the apple. First, it uses its political clout to elect public officials. Then it negotiates with the very same officials.

When you consider that between 70 and 80 percent of all local government expenditures are personnel costs, you begin to get an idea of the magnitude of the power such laws give unions.

Not only is there no right to collective bargaining in public employment, it is wrong. Collective bargaining distorts and corrupts democratic government.

Collective bargaining is a process for employer-employee relations that was designed for the private sector. This process served as the model for the development of public-sector collective bargaining without taking into account the fundamental differences between the two sectors.

As Mississippi Governor Haley Barbour explains:

“When they have collective bargaining in Wisconsin, on one side of the table there’s state employee unions or the local employee unions. On the other side of the table are politicians that they paid for the election of those politicians,” Barbour said. “Now, who represents the taxpayers in that negotiation? Well, actually, nobody.”

Even Newsweek’s Evan Thomas noted on Sunday [via Newsbusters]:

The Democrats really depend on these public employee unions in a lot of states for their support and for their political muscle, and public employee unions got a problem here. I want to distinguish between unions and public employee unions. Unions obviously are critical, but in the public sector, public employee unions have a pretty easy time getting a lot of benefits because nobody’s really pushing back all that hard.

Admittedly, Walker’s proposals are a threat to unions in several ways. As Walker’s proposals determine:

1. The extent of what unions will be allowed to bargain about. Walker’s proposal limits bargaining to wages only, effectively eliminating the WEA Trust monopoly which gets its money from local school boards and runs it through a union-run insurance company.


2. Whether unions can have workers fired for not paying union dues. According to its most recent financial record on file, WEAC (the teachers’ union) raked in over $25 million in 2009. Walker’s proposal makes paying union dues voluntary, as opposed to mandatory. This goes to the lifeblood of any union. If, for example, 20% of those teachers who are currently required to pay union dues as a condition of employment opt out, WEAC could lose up to $5 million a year in revenue. [It is noteworthy that, in the private-sector, the SEIU will be conducting its second strike at a Pennsylvania medical center over the issue of mandatory dues.]


3. Whether the state will continue being the unions’ dues collector. Walker’s proposal eliminates’ the employers’ payroll deduction of union dues. Again, while it is commonplace for unions to negotiate payroll deduction, there is nothing anywhere (in private or public sector law) that states that it is an employers’ duty to be a union’s collection agency.


4. Whether the unions will have to ‘re-certify’ every year to maintain representational status. Of all of Walker’s proposals, this seems to be one that could be considered a ‘throw away’ item in negotiations. If Walker’s other proposals get enacted, and union-represented employees feel that the union is worthless, they can initiate an election themselves every calendar under existing law [see Section 111.83(5)[h]] .

Given the ability of the unions and their co-conspirators on the Left to hijack the issue in Wisconsin over these last two weeks, there appears no way for a “win-win” compromise to be worked out. One side or the other will win. Either the unions and the Left, or taxpayers will prevail.

If the Left wins, all chances of reforming public-sector unions will be tossed aside by weak-kneed Republicans who will then be held hostage by temper-tantrum throwing Democrats (see Indiana for example). In addition, the Left has already painted the entire Republicans party with bulls eyes and has for years. Therefore, there is no reason for GOP governors like Scott Walker, Chris Christie and John Kasich to back down, which puts the Left in an untenable situation as well.

In the meantime, the disciples of Saul Alinsky will continue their prattle, attempting to convince America that the Battle of Wisconsin is something more than a fight over union power, politics and money…even though it’s not.

_________________

“I bring reason to your ears, and, in language as plain as ABC, hold up truth to your eyes.” Thomas Paine, December 23, 1776

X-posted.

Photo Credit: Tony the Misfit

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The ultimate in repairing a bruised reputation for business

budgeting personal finances

photo: sea turtle

One aspect of homeownership that new and soon-to-be homeowners often ignore is the recurring and possibly steep cost of keeping that home in good shape.

According to a report by the University of Illinois Extension, homeowners need to budget 1% to 2% of the purchase price of their home, each year, to cover the costs of home maintenance and repairs. That’s $3,000 to $6,000 a year on a $300,000 home, and if it’s older or has appliances that will soon need to be replaced, you may need to set aside as much as twice that amount.

When it comes to the fine line between routine home maintenance costs and those that send you into a personal financial nightmare, the tipping point is your level of vigilance.

Here are some of the most common home maintenance issues and how you can keep a small problem from evolving into a hefty burden.

Water Drainage/Damage

While water damage is unavoidable if the foundation of your house is cracked, much of it is preventable. All you need to do is respond appropriately in weather conditions that are known to cause damage.

If you live in a cold climate, stay on top of the snowfall.  David West, who owns Meadowview Construction, a remodeling and home renovations company in Georgetown, Mass., advises that homeowners clear the bottom few feet of snow from the roof, using a snow rake, as soon as possible after snowfall to prevent ice dams. These dams result in water creeping under the shingles, and eventually, leaking into your house. You’ll know them by that mysterious little drip on the ceiling or down around the window frames. On the surface, it may seem like a little burden that can be solved with the occasional bucket, but don’t be fooled. “It will cause some pretty serious water damage to the insulation and drywall,” says West.

Rain can also cause major issues that are avoidable. Kevin Leahy, the founder of a removable downspout system called “The Spout Off,” warns that non-working gutters aren’t just pointless, they’re harmful.

When rain is in the forecast, make certain that the gutter’s outlet (the hole in the gutter where the water flows out to the downspout) is clear of blockage. Failure to keep gutters working creates big costs like rotted boards, windowsills and water leaking into the foundation and basement.

Heating/Cooling Issues

The National Association of Homebuilders (NAHB) reports that the most you can hope for out of a heating, ventilation and air conditioning (HVAC) system is 25 years. Furnaces and air conditioning units generally sputter at the 15-year mark. But they’ll hardly last even that long without proper maintenance.

West advises that gas/oil boilers and furnaces be cleaned and maintained each year. This service will cost you about $200, but is the “single most important thing you can do to ensure long life and efficiency” of these systems. At the time of service, you can also ask the technician to leave a copy of your system’s efficiency rating. Armed with this knowledge, you can anticipate how much “life” is left in your furnace and plan your future home finances accordingly.

Sometimes, the most minor of tasks can help to save a bundle. Ian Patrick, of Los Angeles-based design firm Ian Patrick Interiors, says that many of his clients fail to do the most basic (and cheapest) maintenance of all: changing the filters in their HVAC units. These can be bought at any hardware store for a few dollars, and pay for themselves almost instantly in utility bill savings. “A dirty filter makes the unit work harder, so changing it is a very affordable way to make it run better and longer and saves you a service call,” advises Patrick. 

If you have and use a fireplace, maintenance is also essential. You may be tempted to cut back on expenses by skipping yearly chimney maintenance. Preventative flue cleaning will generally cost $100 to $200.  Ignoring this necessary maintenance could result in the need to reline the flue completely, costing you $3,500. Get the point?

Roof Damage

Conditions like heavy snow, heavy rain and high winds, can severely impact roof quality. The material of the roof is also a determinant. An asphalt shingle roof will last about 20 years. Slate, copper and concrete roofs can last about 50 years.

You could also unknowingly be causing roof damage. Gordon Smith, owner of home inspection, remodeling and contracting company HomeSmith LLC, warns that walking on the roof to install holiday decorations or to clean gutters could crack roof materials, creating leaks. Replacing damaged shingles can cost as much as $4 per square foot.

Smith also cautions against using attics for storage, which can cause the roof to sag, or collapse the ceiling. It could “potentially cost hundreds to thousands of dollars in structural repairs, not to mention repairing or replacing anything that was under the ceiling when it came down,” he says.

Windows

While wooden windows last about ten years longer than their less costly aluminum counterparts, they require monitoring, and can be very costly to replace. (Expect to pay anywhere from $500 to $1,000 or more, depending the age and size of the window frame). 

Windows that are not shaded by a porch, tree or a bush really take a beating, especially in desert regions. This can result in water damage, rot, and even heat loss.  “Combined with moisture, the wood expands and contracts with such frequency that it can compromise the stability of the entire unit,” says Patrick. Check regularly for peeling paint, cracks and chips in glazing, and have them repaired immediately to avoid a heftier bill down the road.

photo: sea turtle

One aspect of homeownership that new and soon-to-be homeowners often ignore is the recurring and possibly steep cost of keeping that home in good shape.

According to a report by the University of Illinois Extension, homeowners need to budget 1% to 2% of the purchase price of their home, each year, to cover the costs of home maintenance and repairs. That’s $3,000 to $6,000 a year on a $300,000 home, and if it’s older or has appliances that will soon need to be replaced, you may need to set aside as much as twice that amount.

When it comes to the fine line between routine home maintenance costs and those that send you into a personal financial nightmare, the tipping point is your level of vigilance.

Here are some of the most common home maintenance issues and how you can keep a small problem from evolving into a hefty burden.

Water Drainage/Damage

While water damage is unavoidable if the foundation of your house is cracked, much of it is preventable. All you need to do is respond appropriately in weather conditions that are known to cause damage.

If you live in a cold climate, stay on top of the snowfall.  David West, who owns Meadowview Construction, a remodeling and home renovations company in Georgetown, Mass., advises that homeowners clear the bottom few feet of snow from the roof, using a snow rake, as soon as possible after snowfall to prevent ice dams. These dams result in water creeping under the shingles, and eventually, leaking into your house. You’ll know them by that mysterious little drip on the ceiling or down around the window frames. On the surface, it may seem like a little burden that can be solved with the occasional bucket, but don’t be fooled. “It will cause some pretty serious water damage to the insulation and drywall,” says West.

Rain can also cause major issues that are avoidable. Kevin Leahy, the founder of a removable downspout system called “The Spout Off,” warns that non-working gutters aren’t just pointless, they’re harmful.

When rain is in the forecast, make certain that the gutter’s outlet (the hole in the gutter where the water flows out to the downspout) is clear of blockage. Failure to keep gutters working creates big costs like rotted boards, windowsills and water leaking into the foundation and basement.

Heating/Cooling Issues

The National Association of Homebuilders (NAHB) reports that the most you can hope for out of a heating, ventilation and air conditioning (HVAC) system is 25 years. Furnaces and air conditioning units generally sputter at the 15-year mark. But they’ll hardly last even that long without proper maintenance.

West advises that gas/oil boilers and furnaces be cleaned and maintained each year. This service will cost you about $200, but is the “single most important thing you can do to ensure long life and efficiency” of these systems. At the time of service, you can also ask the technician to leave a copy of your system’s efficiency rating. Armed with this knowledge, you can anticipate how much “life” is left in your furnace and plan your future home finances accordingly.

Sometimes, the most minor of tasks can help to save a bundle. Ian Patrick, of Los Angeles-based design firm Ian Patrick Interiors, says that many of his clients fail to do the most basic (and cheapest) maintenance of all: changing the filters in their HVAC units. These can be bought at any hardware store for a few dollars, and pay for themselves almost instantly in utility bill savings. “A dirty filter makes the unit work harder, so changing it is a very affordable way to make it run better and longer and saves you a service call,” advises Patrick. 

If you have and use a fireplace, maintenance is also essential. You may be tempted to cut back on expenses by skipping yearly chimney maintenance. Preventative flue cleaning will generally cost $100 to $200.  Ignoring this necessary maintenance could result in the need to reline the flue completely, costing you $3,500. Get the point?

Roof Damage

Conditions like heavy snow, heavy rain and high winds, can severely impact roof quality. The material of the roof is also a determinant. An asphalt shingle roof will last about 20 years. Slate, copper and concrete roofs can last about 50 years.

You could also unknowingly be causing roof damage. Gordon Smith, owner of home inspection, remodeling and contracting company HomeSmith LLC, warns that walking on the roof to install holiday decorations or to clean gutters could crack roof materials, creating leaks. Replacing damaged shingles can cost as much as $4 per square foot.

Smith also cautions against using attics for storage, which can cause the roof to sag, or collapse the ceiling. It could “potentially cost hundreds to thousands of dollars in structural repairs, not to mention repairing or replacing anything that was under the ceiling when it came down,” he says.

Windows

While wooden windows last about ten years longer than their less costly aluminum counterparts, they require monitoring, and can be very costly to replace. (Expect to pay anywhere from $500 to $1,000 or more, depending the age and size of the window frame). 

Windows that are not shaded by a porch, tree or a bush really take a beating, especially in desert regions. This can result in water damage, rot, and even heat loss.  “Combined with moisture, the wood expands and contracts with such frequency that it can compromise the stability of the entire unit,” says Patrick. Check regularly for peeling paint, cracks and chips in glazing, and have them repaired immediately to avoid a heftier bill down the road.

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...

bench craft company

Robert Reich: The Real <b>News</b> on Jobs

On our current trajectory, the unemployment rate will continue to decline. But so will the pay and benefits of most Americans. The real story isn't about jobs, it's about the ever decreasing standard of living for the middle class.

Fox <b>News</b> The Only Network Willing To Comment On Clinton&#39;s Al <b>...</b>

"Representatives from CNN, ABC, CBS and NBC news all declined comment."

<b>News</b> Corpse » Rachel Maddow Beats Glenn Beck In Key Demo:

Seeing as how the media were probably not going to do it themselves, the designers at News Corpse stepped forward to provide this sticker to protect unwary citizens from harm. America's Barack. History was made on November 4, 2008, ...