(1)  HARDWOOD FLOOR REFINISH –  100% recovery.  About $3,000.  New floors at maybe $5,500 for a 91% recovery.  (2)  INSULATION UPGRADE – 76% recovery.  For about $2,100 add insulation in attic, crawl spaces, various joints, etc also save 15% on your heating & cooling bills.  (3)  HVAC REPLACEMENT – 67% cost recovery.  If system more than 10 years old, then spend about $7,475 to replace.  Look for “Energy Star” units to cut annual energy bill by more than $115.  MORE TO COME!

Notaries have been around since the time of Hammurabi, king of Babylon (c. 1810-1750 B.C.).  Beginning July 1, 2018, a new state law allows many functions of a notary public to be conducted on line.  Notaries who are approved must adhere to standards set by the state to verify identity & credentials to ensure security on line notarizations & secure electronic records.