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Staten Island presentation at the Mount Loretto CYO on Feb 7, 2013.
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© 2012 Save Big Bread LLC. All rights reserved.
Rebates save homes and families
February 7, 2013 Tony Maull 703-722-9122 x 1 [email protected]
We’re Here to Help
© 2012 Save Big Bread LLC. All rights reserved.
Tony Maull - Presenter
President and co-founder SaveBigBread.com
Former Ernst & Young Clean Technology Leader
VP at Experian (Data and Analytics Division)
Software and Technology Investment Banker
www.linkedin.com/in/maull/
© 2012 Save Big Bread LLC. All rights reserved.
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Presentation agenda 1. Whole house grants, rebates and loans
1. FEMA Individual & Households Program 2. SBA Disaster Loans 3. NYSERDA Home Performance
2. Individual product rebates 1. Manufacturer + Utility 2. Federal Tax Credits
3. Community Block Grants 1. $16 billion in Federal aid
© 2012 Save Big Bread LLC. All rights reserved.
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Response to aid “I was surprised at the response I got from FEMA that the only help for the middle class is to apply for loan, then if u are denied then u can come back to FEMA. It looks like if u are living a clean life there is no help for u. I wish they considered the so call middle class that are living from paycheck to paycheck.” http://www.facebook.com/HurricaneSandyRestore
© 2012 Save Big Bread LLC. All rights reserved.
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A homeowner speaks
“Toms River NJ – buying lumber out of pocket and waiting for checks to really start.” http://www.facebook.com/HurricaneSandyRestore
© 2012 Save Big Bread LLC. All rights reserved.
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Whole home sources of cash Richmond County Avg. home value $456,000
Homeowner’s Insurance
Is the coverage for replacement or depreciated value? Do you know your flood coverage?
© 2012 Save Big Bread LLC. All rights reserved.
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Whole home sources of cash Richmond County Avg. home value $456,000
Homeowner’s Insurance
2013 limit $31,900 Restore to minimum standards determined by FEMA.
FEMA IHP
© 2012 Save Big Bread LLC. All rights reserved.
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Whole home sources of cash Richmond County Avg. home value $456,000
Homeowner’s Insurance
$200,000 limit for homeowners. Requires collateral and income verification.
FEMA IHP
SBA Disaster Loan
© 2012 Save Big Bread LLC. All rights reserved.
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Whole home sources of cash Richmond County Avg. home value $456,000
Homeowner’s Insurance
1. 10% cashback up to $3,000.
2. 3.99% loans up to $25,000.
3. 50% grant up to $5,000 for a family of four with household income up to $65,000.
FEMA IHP
SBA Disaster Loan
NYSERDA Home Performance
© 2012 Save Big Bread LLC. All rights reserved.
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Manufacturer + Utility rebates
1. Consolidated Edison 1. Air conditioning $600* 2. Air sealing $300* 3. Boiler $1,000* 4. Furnace $600* 5. Refrigerator $100*
2. National Grid 1. Boilers $1,000* 2. Furnace $600* 3. Water Heater (indirect) $300*
*check your SaveBigBread account for rebate details.
© 2012 Save Big Bread LLC. All rights reserved.
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How does this work? Combined HVAC rebates
Manufacturer rebate $1,100
ConEd Air Condition rebate 600
ConEd Furnace rebate 600
US Tax Credit Air Condition 300
US Tax Credit Furnace 150
Total Rebates $2,750
© 2012 Save Big Bread LLC. All rights reserved.
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New York Community Grants
• HUD allocations-Sandy funds
• New York City $1.77 billion
• State of New York $1.71 billion
© 2012 Save Big Bread LLC. All rights reserved.
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Single Family Rehabilitation
• $350 million (NYC Program) • 9,300 homeowners
• Moderate/middle income • 1,000 homes destroyed • 8,300 homes damaged
© 2012 Save Big Bread LLC. All rights reserved.
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Multi-Family Rehabilitation
• $250 million (NYC Program) • 12,970 homeowners
• Low/moderate/middle income • Grants • Low interest loans
© 2012 Save Big Bread LLC. All rights reserved.
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Home buy back
• $400 million (NY State Program) • 1,000 homeowners
• Significant damage • Pre-storm values
© 2012 Save Big Bread LLC. All rights reserved.
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NYC program calendar
• Ready to take applications • Mid April, 2013
• Distribute funds • May through June, 2013
© 2012 Save Big Bread LLC. All rights reserved.
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We need to do this!
Register on SaveBigBread • http:Sandy.SaveBigBread.com • Check boxes on categories • Policy makers can see areas of
need
© 2012 Save Big Bread LLC. All rights reserved.
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We need to do this!
“Grants not Loans” Petition • Petition for grants versus loans
• 305,000 homes damaged • Buyback is very limited • http://bit.ly/Grantsnotloans
© 2012 Save Big Bread LLC. All rights reserved.
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We need to do this! Share ideas on the community site
• https://getsatisfaction.com/savebigbread
• Post questions and get answers regarding rebate availability.
© 2012 Save Big Bread LLC. All rights reserved.
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My next steps 1. Links
1. Seminar video 2. Seminar slides
1. http://www.slideshare.net/tonymaull92/hurricane-sandy-mount-loretto
3. Community site 1. https://getsatisfaction.com/
savebigbread
© 2012 Save Big Bread LLC. All rights reserved.
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My next steps
1. Additional questions 1. Income definitions 2. Verify status of utility programs
1. Both National Grid and Con Edison are funded for 2013 as of Feb 2013. Check your SaveBigBread account for the 2013 (click “details”) rebate forms.
© 2012 Save Big Bread LLC. All rights reserved.
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My next steps 1. Additional questions
1. NYSERDA Home Performance 10%, $3,000 cashback program income requirements • Owners of single-family or a two-to-four unit
multifamily are eligible to participate.
2. NYSERDA Assisted Home Performance $5,000 grant • Average guideline is a family of four with household
income up to $65,000 qualifies.
3. Verify status of utility programs • Both National Grid and Con Edison are funded for
2013 as of Feb 2013. Check your SaveBigBread account for the 2013 (click “details”) rebate forms.
© 2012 Save Big Bread LLC. All rights reserved.
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My next steps Sandy HUD Grants Petition site
• http://bit.ly/Grantsnotloans • Secretary Donovan • Governors Christie and Cuomo • Mayor Bloomberg
© 2012 Save Big Bread LLC. All rights reserved.
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Questions Tony Maull
Rebates on: • Appliances • Heating and cooling • Insulation • Roofing • Windows and doors • Lighting