Charlotte Ranks in Top 25 U.S. Cities with the Most Energy Star Buildings

Energy Star LogoCharlotte was recently listed as one of 25 cities with the greatest number of energy efficient buildings that earned the Environmental Protection Agency’s Energy Star certification in 2011.

These buildings sprawl over a combined 25 million square feet, and are expected to save almost $15 million annually in energy costs and prevent greenhouse gas emissions equal to the emissions of 2,600 homes.

Buildings and plants that carry the Energy Star label are the best in terms of energy efficiency. They save the most money, use the least amount of energy and significantly reduce green house emissions. Across the nation, the 16,500 Energy Star certified buildings have helped save $2.3 billion in utility bills annually and have prevented greenhouse gas emissions equal to 1.5 million homes.

The list of the top 25 cities with the greatest number of energy efficient buildings was first released in 2008. Since that time, Los Angeles has remained the top city. Other top cities include Washington D.C., Atlanta, Boston, Tampa, Colorado Springs, Salt Lake City and Riverside. This year, California was the top represented state, with six of its cities making the list.

The Energy Star rating was launched by the EPA in 1992, and is a market-based partnership to reduce greenhouse gas emissions through energy efficiency. Over the program’s 20 years, $230 billion has been saved on utility bills and 1.7 billion metric tons of carbon pollution have been prevented. There are a total of fifteen types of commercial buildings in addition to new homes that can earn this designation including office buildings, retail stores, K-12 schools and more.

If you’re interested in buying an energy-efficient new Carolina home, visit our website.

Lakefront North Carolina Home is Up To Par

Bubba Watsons Home For Sale

So maybe your golf game is not quite up to par with Masters champion Bubba Watson, but your North Carolina home sure could be. Forbes recently reported that the newest Masters champion’s lakefront home in Lexington, N.C. is selling for $1.45 million.

Watson’s home has been on the market since February, but his newfound notoriety is sure to help this home become a highly desirable commodity. The home, which was purchased a few years ago for $1.1 million, is situated on High Rock Lake. This gated, 5,000 square foot home has four bedrooms, five bathrooms and two indoor kitchens. The two-thirds of an acre lot also contains a detached three-car garage, aluminum pier with covered boat life and entertaining area. This entertaining area is sure to be a hit for any occasion with its location over the lake and features such as a heated salt water pool with spa, outdoor kitchen with stainless steel appliances, exterior television and outdoor fireplace.

This has historically been the summer home for the Watson family, with their main place of located in Scottsdale. However, the couple has decided to sell the home after adopting their one month-old son. They will be residing with him in Orlando until the adoption process is complete.

Interested buyers can view pictures of this gorgeous home here, or if Masters-style lake living isn’t your thing, check out the rest of the Carolina new homes on our site.

Avoid the Ghost of Taxes Past by Filing on Time

There are many benefits to filing taxes on time

There are many benefits to filing taxes on time

While we all want to keep as much of our own money as we can, deferring

taxes is a costly mistake. The cost of deferring payment is explored by Eva Rosenberg on the Equifax Personal Finance Blog in the article, “

Filing Taxes: Pitfalls of Procrastination.” The article is half tax tips and half horror stories of people suffering avoidable penalties when they could have easily prepared and scheduled time with a professional in the nine months of tax return filing season.

There is certainly a danger in the false sense of security you can get from always thinking you can get an extension. As time passes along, it is harder to recover your numbers from the previous year and often things get misplaced and then the extended filing date, usually October 15, sneaks up on you. If you miss that date, the penalties start adding up. One of the examples has a lazy tax filer faced with late-filing penalties as high as 25 percent for not getting around to digging up a single piece of information.

If you are paid on W-2s where the correct amount of withholding is removed, you should still be sure to file. Not only will this make sure you aren’t sent a bill by the

IRS, but by filing you also ensure you get your full refund. This is especially important to keep in mind because the IRS keeps your refund if you allow it to sit unclaimed for three years.

There are other horror stories about being lazy when it comes to taxes and how to avoid them in the full article on the

Equifax Personal Finance Blog. The blog also has tons of useful information when it comes to your money, from taxes to insurance and beyond.

A First Time Guide to Your Credit Report

Equifax is happy to share with you what everything in your credit report means

Equifax is happy to share with you what everything in your credit report means

If you are new to borrowing or are trying to repair your credit, it is important to know your way around your annual

credit report. Diane Moogalian has some great information about how to decipher your credit report in her Equifax Finance Blog article, “

Building a Strong Credit Report from the Beginning.”

Regardless of which credit agency’s report you are looking over for the first time, the same categories are present in the reports of Equifax, Experian and TransUnion. These categories are identifying information, trade lines, inquiry information and public record information. Continue reading

Use Fraud Alerts to Protect Yourself from Holiday Credit Heartburn

fraud alerts and security freezes

fraud alerts and security freezes

After all that holiday spending, have you been diligent about following up and checking your credit cards to make sure you didn’t get any unwanted holiday cheer for fraudsters and identity thieves? There are ways to protect your

credit score from holiday heartburn that you can use to help yourself stay safe. The Equifax Finance Blog explores them in its series, “

Fraud Alert Versus Security Freeze,” and it’s a good idea to know how they both work.

When your credit is damaged by fraudulent activities, it takes time to repair and heal itself through regular borrowing and timely repayments. That being said, fraud alerts and security freezes tell others that you have either been a victim or are proactive about only allowing your credit to be shared with your approval. Security freezes work like a bouncer to keep others from accessing your credit or opening new accounts in your name without your direct approval.

Fraud alerts, on the other hand, work like red flags on your account. Third parties can see your credit as usual, but when they come across these red flags, they have to contact you when they come across activity which may be suspicious. There are three kinds of fraud alerts, and they have varying durations: the initial fraud alert lasts for 90 says, an active duty fraud alert lasts for a year and an extended fraud alert lasts for seven years. When a fraud alert is placed on your account, you also are entitled to a free

credit report.

Be sure to check out the

Equifax Finance Blog for more information about protective measures for your credit, as well as great information on taxes, insurance, retirement planning and real estate.