Retirement Planning Strategies - December 2021

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Ann Vanderslice Federal Benefits Made Simple, an E.A. Buck Company is an independent financial services firm helping individuals create retirement strategies using a variety of insurance and investment products to custom suit their needs and objectives. This firm is not affiliated with or endorsed by the U.S. government or any governmental agency. E.A. Buck is an independent financial services firm, offering investment and insurance products to consumers. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. Insurance services offered through Ann Vanderslice Federal Benefits Made Simple an E.A. Buck Company. MAS, AEWM, and Ann Vanderslice Federal Benefits Made Simple, an E.A. Buck company are all separate entities. 1129531–12/21.

issue INSIDE THIS

A Lesson From the Denver Airport Fistfight PAGE 1

Decorate Your Gingerbread House Like a Pro

Tips for Spending the Holidays Alone PAGE 2

How Rudolph Became a TV Institution

DIY Holiday Eggnog PAGE 3

Why You Need to Replace Your Furnace Filter PAGE 4

WAIT, WHY DO I NEED TO REPLACE MY FURNACE FILTER? Read This, and You Won’t Forget

It’s easy to forget that the air quality in our home isn’t just magically clean! Dust, contaminants, and allergens can easily circulate in your home. Luckily, your furnace filter is your first line of defense — but it won’t clean your home’s air if you don’t replace it often. A dirty filter can even cause expensive utility bills and damage your HVAC equipment.

Dust-heavy filters can cause your equipment to run at a higher temperature, and it might overheat and shut off. Even though it might cool down and start up again, the cycle will continue in the same short bursts, thus “short-cycling.”

CHANGE THE FILTER REGULARLY.

This varies from home to home. With more people living in the house, especially those with allergies, and a few furry friends, you may want to consider replacing your filter more often. However, a great way to determine how often to change it is to look at what type of filter you have, categorized by thickness:

UNDERSTAND THE TRUTH ABOUT FURNACE FILTERS.

Furnace filters are designed to trap airborne contaminants to prevent them from entering your heating and cooling system! So, when you forget to change your filter, the delicate components of your heating and cooling equipment suffer. For example, imagine your filter is dirty and clogged. Your HVAC system might continue to run, but air won’t circulate properly. Your system has to expend more energy to operate, and you’ll probably turn up the heat because it’s not working as efficiently. Your equipment is working twice as hard for half the result.

For 1–2-inch filters , replace them every 1–3 months.

For 3–4-inch filters , replace them every 6–9 months.

For 5–6-inch filters , replace them every 9–12 months.

If you need more help, try calling your local HVAC professional and get their opinion! They may even give you further information and insights about keeping your home’s air quality healthy.

Many other problems can occur when furnace filters aren’t changed, including “short-cycling” your HVAC equipment.

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