Monday Blend

MSN Money Blend

Mariln Lewis shows you in her article how evaporative coolers and whole-house fans can cool you off in lieu of AC.

Evaporative coolers, also known as swamp coolers, cost $300 to $1000 installed and cost as little as 5 to 7 cents an hour to operate. There are mobile, rolling units- which are ideal for apartments- and window or roof mounted units. The roof mounted units are the most expensive at around $1000, but compared to central air at $5,000 to install, swamp coolers are a bargain.

Whole-house fans run about the same to buy and install as swamp coolers ($200 to $1,000), but are only ideal for climates where it’s fairly cool at night. They basically work by circulating cool air in at night, which continues to cool off your house during the day. This can save you up to 30 percent on your monthly electricity bills.

Finally, Liz Pulliam Weston at MSN Money wants you to ditch your bank for a credit union. Here are some of the reasons why:

• Credit unions are member owned, which means no big executive salaries.
• Credit unions are not-for-profit, which allows them to charge much lower interest rates.
• Just about everyone is eligible to join a credit union.

In this author’s opinion, credit unions are a much better bet for consumers wanting to get a debt consolidation loan, as the interest rate is as much as 2 percent lower than you’ll find at your local bank.

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