1. Make sure all lights are turned off when a room is not in use.
2. Set your thermostat to 68 in the winter and 72 in the summer.
3. Lower your hot water heater temperature to low or 120 degrees.
4. Wash clothes in cold water.
5. Air dry your clothes when possible.

Are you behind on your mortgage? Are you behind on other bills? Do you feel like you are running out of options? Read the article below to see what your options are. Then talk to your trusted financial advisor to decide what is best for you.

http://money.cnn.com/2010/07/21/real_estate/bankruptcy_and_foreclosure/index.htm

Go on an exciting adventure in the search for Lake Normans own Lock Ness Monster while enjoying stories, milk and cookies. Tuesday and Thursday mornings at 9:00. Reservations are highly recommended. For more information, visit http://www.queenslanding.com/normie-story-time-cruise/

Call 704-663-2628

Want a free Chick-Fil-A meal? Today only (Friday, July 9, 2010), visit your local Chick-Fil-A dressed like a cow and you will get a free meal. Don't forget to dress the kids up. They can eat free too. For more information, visit www.cowappreciationday.com

With the long days and sunny weather, summer is often the time for many home improvement projects. Follow the tips below to stay safe while you are working around the house.

• Remove large sticks or debris from the yard before mowing.
• Always wear appropriate clothing, such as closed-toe shoes and safety goggles.
• Always place ladders on level ground with locks fully engaged.
• Do not stand stand higher on a ladder than is recommended.
• Disconnect tools when not in use or when replacing blades or bits.
• Work in well lighted areas and wearing gloves.

Discovery Place in uptown Charlotte reopened in June after a complete remodel. There are quite a few new exhibits. They had a great response from the community during the free opening. For information about the museum, visit www.discoveryplace.org to plan your visit.

Have you been yet? What was your favorite part?

With the Independence Day holiday approaching, you may have a weekend of outdoor fun planned. Here are a few reminders to keep you safe this summer.

1. Never forget the sunscreen.
2. Drink plenty of water.
3. Swim with a buddy or where there is a lifeguard.
4. Watch children around grills.
5. Leave the fireworks to the professionals!

Happy 4th of July!