10 Tips to Prepare Your Home For Winter

This is my favorite time of year. I love the cooler temperatures and beautiful fall colors. The heat and humidity of summer are over and the bitter cold of winter has not set in yet. The days are warm and the nights are cool. Perfect for being outside and enjoying all Vermont has to offer.

This is also the time of year that we begin to prepare for a long winter. I spent this weekend cutting back my flower beds, closing the screened in porch and putting away summer lawn chairs. We had plenty of firewood delivered and raked leaves. We are ready for snow! Here are some tips to help you prepare your home for winter:

  1. Call an HVAC professional to inspect your furnace and clean ducts.
  2. Remove all flammable material from the area surrounding your furnace.
  3. Call a chimney sweep to remove soot and creosote. Inspect the fireplace damper to make sure it opens and closes properly. This is especially important if you have a wood-stove.
  4. Cap or screen the top of the chimney to keep out rodents and birds.
  5. Store your firewood in a dry place away from the exterior of your home.
  6. Check the exterior of your home, doors and windows for crevices and cracks; seal them.
  7. Inspect roof, gutters and downspouts.
  8. Check your foundation for cracks. Rake away all debris and leaves.
  9. Install smoke and carbon monoxide detectors
  10. When you put your Christmas tree up, make sure to keep it watered.

The majority of homeowner claims in the winter are fire related. These tips will help to keep you and your family safe this winter. In the meantime, get outside and enjoy this beautiful fall weather!

Vermont moving toward single-payer health care

BRATTLEBORO, Vermont (Reuters) – Vermont became the first state to lay the groundwork for single-payer health care on Thursday when its governor signed an ambitious bill aimed at establishing universal insurance coverage for all residents.

“This law recognizes an economic and fiscal imperative,” Democratic Governor Peter Shumlin said as he signed the bill into law at the State House.

“We must control the growth in health care costs that are putting families at economic risk and making it harder for small employers to do business.”

Legislators say the plan, approved by the Democratic controlled House and Senate this spring, aims to extend coverage to all 620,000 residents while containing soaring health care costs.

A key component establishes a state health benefits exchange, as mandated by new federal health care laws, that will offer coverage from private insurers, state-sponsored and multi-state plans. It also will include tax credits to make premiums affordable for uninsured Vermonters.

The exchange, called Green Mountain Care and managed by a five-member board, will set reimbursement rates for health care providers and streamline administration into a single, unified system.

Residents and small employers will be able to compare rates from the various plans and enroll for coverage of their choosing.

As designed, the goal is an eventual state-funded and operated single-payer system.

But its sponsors say that outcome is far from certain. The plan will be phased in over several years, with an evolving financial structure that mandates a number of conditions.

Among the criteria are adoption of a financing plan by 2014; ensuring the new system costs less than the current fee-for-service one; and obtaining federal permission via a waiver to allow Vermont to proceed with the single-payer option, in around 2017.

Advocates of change say the existing fee-for-service care has a financial incentive to deliver more care, such as tests, with little attention to quality or better outcomes.

The single-payer concept was omitted from the federal health care overhaul championed by President Barack Obama, in part due to Republican criticism it meant excessive government control.

Progressives in Vermont, including Shumlin and U.S. Senator Bernie Sanders, an independent, have worked for years to modify the state’s health care system.

Shumlin said he recognized “people have legitimate questions” about how a single-payer plan would be financed and operated.

“We will answer those questions before the legislature takes the next step … We’ll be getting input from all Vermonters moving forward, which is essential.”

If the state secures one key federal waiver related to exchanges, Green Mountain Care could begin as early as 2014. Another waiver needed to implement the single-payer component under federal law would not be available until 2017.

Vermont’s plan calls for the board to consider the likely costs of coverage, factor in potential savings from reforms and recommended sources of revenue. It is charged with delivering a financing plan to legislators by 2013.

If that plan’s single-payer component is adopted, lawmakers would approve a budget annually.

Single-payer proponents say the present system is too expensive and excludes too many residents. Vermont has around 47,000 uninsured and 150,000 underinsured residents.

But critics are wary of what a new program will cost and which taxes would help finance it. It is not yet clear whether it would involve increases such as a higher payroll tax.

The state’s health care spending runs about $5 billion annually, with costs rising between 6.5 percent and 8.5 percent in recent years.

Some experts say a revised system would save an estimated $580 million annually, and $1.9 billion by 2019, while creating several thousand jobs.

By Zach Howard – Thu May 26, 5:36 pm ET