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Show Tfe Msjifc Tanes, Wes VaS-z- News & Keerm Pwsfc, 12, 2382 September 9 Business Centennial birthday of air conditioning relief yean have come and gone since air conditioning was first introOne-hundr- World War II, more convenient options became available. As more homes were equipped with air conditioning, architecture styles adjusted accordingly. Passive cooling features of older homes, such as high ceilings and large front porches and overhangs to add shade and shelter to die home's interior. ed duced. Since 1902, air conditioning's impact as a staple of modern society has continued to evolve. Today, it impacts our home, work, car and w here we shop. Air conditioning was first installed in factories and businesses where products were adversely affected by heat and humidity. Early examples include printing woks and textile mills, where air conditioning's introduction improved productivity. Soon afterwards, air conditioning was used in office buildings, where it proved that not only machines were more productive when kept cooler, but people, loo. The concept of personal comfort through air conditioning originated in movie houses in the 192Q's. As die publics exposure to air conditioning grew, h was only a matter of time before it moved into homes. The first home units were big and expensive, but after of the homes in the United went out of style. Smaller, more tomes became the norm. Homeowners, regardless of season and or geographic location, had the means to control the temperature in their own environment and adpst it to their personal comfort level for die first time. Today, almost 80 percent energy-efficie- States are air conditioned. Technological advances continue to produce more units dial cost less to run, are quieter and are more durable. But. homeowners can still do their part to keep more comfortable. The experts at the Trane Home Comfort Institute recommend die folio wing sim nt L energy-efficie- nt ple steps to maximize an air conditioner's effectiveness and save money: appliances, such as washers, dryers, ovens and ranges, during the cooler part of the day Keep your shades or blinds closed during the hottest parts of die day Raise your thermostat 5 degrees when leaving your home for a prolonged period of time Close vents in unused rooms, like guest rooms Clean or replace the filter at least once a month Service the system on a regular basis - preferably at the beginning of the season Trim excess grass or shrubbery from around the outdoor unit Operate heat-produci- Know the score before applying for a loan Bv SHERRiL RAS WSSEN Contribute Peter and Miriam were ready to trade up to a larger home to accommodate their growmg family. They applied for several loans, searching for the best interest rate, but found that each time they were offered a rate, it was higher than die previous one. When they checked with their bank, die loan officer told them their credit score was too low to qualify for the best rates. Whenever you apply for credit, your potential lender You can also access your score online at usually bases its decision, in part, on your credit score. Essentially a rating system, your credit score is meant to measure how likely it is that you will pay back the loan. There are hundreds of credit scoring systems, but the most commonly used system was developed by Fair, Isaac and Co. Understand the Numbers The three major credit bureaus, Equifax, Experian and TransUnion, and FICO have combined forces to provide your credit score along with your credit report for an additional fee. wwwAIyfko.com, also for a fee. Once youve received your score, how do you interpret it? Each lender sets a range of numbers for what it considers good and bad credit scores. Generally speaking, however, a score of 700 or above is considered worthy of the best rates. Lenders usually consider 680 to 699 to be a good score, white 620 to 679 could be considered slightly below average and will probably trigger higher rates. Consumers with scores below 620 will probably receive the highest rates or have their loan request dented. Improve Your Credit Habits There are noqakk fixes for a bad credit score, but that doesnt mean that you cant take steps to improve Future Having little or no credit history can be just as damaging as having too much credit You can begin building an excellent credit score by applying for a credit card today. Check with your financial institution to find a card to meet your needs. 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