Expert guidance is important because many homeowners find themselves playing teacher as well as client.

As for moving expenses, homeowners planning to relocate this coming year will find significant changes in the regulations.

Many homeowners and nurserymen have found it to be the only solution.

"Most schools, institutions and homeowners will find they can reduce their energy consumption by 50 percent," he said.

But often local homeowners find themselves in long, frustrating battles.

Private homeowners, he said, can generally find a location somewhere around the house that has the required exposure.

It is wrong that homeowners can find themselves facing a large tax bill at the same time that they are losing their homes.

With the new system, many homeowners found their bills lowered by 32 percent within a year.

The new black homeowners also find themselves farther from work.

Failing that, the companies will help homeowners to find a local builder to do the job, which adds about $3,000 to the cost.