Thomas Skiffington, CRS, GRI, CRB, ABR, ePro, CLHMS, SRES, RECS, CDPE, ECOBROKER
701 W. Market Street
Perkasie, PA 18944
Office Phone: 215-453-7653
Toll Free: 800-440-remax
May 15, 2013 4:44 pm
A: There are many ways to finance a remodeling project. If you have equity in your home, a good credit rating, and steady income, you can refinance your mortgage and borrow a percentage of the equity to cover remodeling costs. Refinancing is a good option if you can get a mortgage interest rate at least two percentage points below your current home loan rate. Other options include a second mortgage, a home equity loan, or an unsecured loan. Less popular options: margin loans, which are taken against securities you own, and loans from retirement plans, life insurance policies and credit cards.
May 14, 2013 6:42 pm
If Grandma handed you a moist tea bag to take the sting out of a minor burn, she probably had no idea why it worked – but doctors at a recent community forum confirmed that the home-grown remedy may be just as effective as some over-the-counter creams.
“Soak a towel in cold tea,” confirmed Pennsylvania doctor Marie Savard, MD. “The phytonutrients will reduce inflamed blood vessels.”
The panel of medical experts put a seal of approval on seven other useful home remedies:
Mosquito bites – Crush a low-dose aspirin and dissolve it in an ounce of water. Apply the paste and the salicylic acid acts as an anti-inflammatory to reduce redness and itchiness.
Healing wounds – Reduce scarring as the wound heals by keeping it covered with petroleum jelly and a bandage for three to five days. Keeping the skin soft as it heals is better than allowing it to scab over.
Queasiness – Whether it’s motion sickness, morning sickness or a little stomach bug, try drinking the fruit syrup from a can of peaches. It works as well as some expensive over-the-counter nausea remedies, which are mostly composed of sugar.
Food poisoning – Try ingesting some black tea and a few slices of burned toast. The tannic acid in the tea and the charcoal in the toast should neutralize the toxins and soon have you feeling better.
Hangover – a cup of tomato juice mixed with a splash of Tabasco sauce will stimulate the liver and provide the antioxidants your body needs to replenish.
Congestion/bronchitis – Medicated vapor rub applied to the chest can help. Or boil a pot of water, let it cool for a minute, then pour it into a bowl and mix in a teaspoon of vapor rub to melt. Lean over it with your head about a foot from the steam. Use a towel to form a tent over your head and inhale for five minutes.
Toothaches – Cloves really work. Keep a bottle of eugenol (clove extract), purchased at the pharmacy, in your medicine cabinet. If a toothache strikes, soak a cotton ball in it and apply directly to the tooth to ease the pain until you can see a dentist.
May 14, 2013 6:42 pm
Spring is finally here, and it's a beautiful time of year to spruce up your property and get it ready for the warmer weather. For many people, this means creating an outdoor environment that is inviting and fun to use during the warmer months. This is just as important if you're planning on selling your home as if you're going to be living in it.
Nicer weather means that people want to spend more time outdoors working, playing, socializing, and even eating. Most homeowners invest some time preparing their yards and gardens for warmer days, and the same rules apply when prepping your home for sale. Buyers will be tempted by the accessibility and appeal that you enjoy in your yard.
Making your yard and the outside of your home enticing doesn't have to be expensive. All it takes is a little elbow grease and a few key investments – most likely the same investments you make every year as the weather warms up. Here are a few small fixes and embellishments that you can use to your advantage when making your outdoor space appealing:
Clean it up. Your outdoor space can give prospective buyers the impression of an additional "room" when viewing your home. And as with any other room in your home, you want everything to be in order. Stow lawn tools and outdoor toys in a garage, shed, or storage bench when you are not using them. Clean up anything that has gotten grimy during the cold winter months. Wash windows and clear gutters. Rent a power washer from a local home supply store to clean off siding, decks, patios, and fences that look dirty.
Make quick fixes. Replace or repair anything that has taken a beating. Paths and patios should be free of chipped or cracked tiles or paving stones. Shore up fences that are damaged or leaning. Repaint any trim or decking that is in bad shape. Make sure all of your outdoor lighting is working.
Make your landscaping stand out. While you don't necessarily want to plant a huge vegetable garden that will require maintenance (and for which you may not reap the benefits), well-placed and carefully maintained plantings are an easy and attractive way to make your home stand out. If you don't have the time to maintain flower beds, add a few pots and planters brimming with bright blooms. Hanging baskets of flowers are available at virtually any home store or nursery, while small pots of fresh herbs are pretty and you can take them with you when you move. As always, stay on top of weeding and keep grass trimmed and bushes and trees pruned. Investing in some fresh mulch will give your yard a clean appearance.
Add charm. A prospective homebuyer will likely be drawn to the allure of dining al fresco, so if you have a grill or barbecue area, make it inviting with some attractive outdoor furniture. If you have a pool, open it and maintain it. Keep the water sparkling and inviting, and store pool toys out of sight. And don't forget how your property will look during evening hours. Outdoor lighting comes in all shapes and sizes, and much of it is very affordable. Invest in some fixtures that highlight your property's best features. And keep lawn ornaments to a minimum. Remember that buyers want to imagine themselves in your home, so it's best to give them room to imagine their own belongings in your outdoor space.
With summer just a few weeks away and winter just a memory, it's time to get out and enjoy the nicer weather. The best part of preparing your lawn and yard for sale is that you can enjoy the benefits while you are waiting for an offer to come through.
Susie Shortsleeve is a REALTOR® Weston, Mass.
May 14, 2013 6:42 pm
Every year hundreds of thousands of people in the U.S. are involved in traffic accidents. Many of these accidents result in only minor injuries, but massive insurance claims. It is wonderful if you find yourself physically unscathed after an accident. However, you will at some point have to deal with your insurance company as well as the insurance agents of others involved in the accident.
Filing an insurance claim and handling insurance adjusters can be quite a task, and it is important to get legal advice. However, here are some things you may want to do on your own in order to better protect yourself.
Make sure you have an emergency kit in your vehicle. This should include pen and paper, a camera (sometimes your cell phone camera can be damaged in an accident) a medical card listing emergency contacts and any known allergies, flashlight and if possible a set of cones or emergency flares.
Contact your insurance company as soon after the accident or injury as possible. Don’t forget to keep safety 1st, and move vehicles off the side and out of the way if possible. Unless you have some very serious injuries to take care of, your insurance agent is the first person to call in case of an accident or injury.
Do your best to get as many details of the accident as possible. This will include taking pictures of the damaged vehicles and any injuries. Make sure to take pictures from different distances as well as from different angles. Also do try to take down the names and numbers of any witnesses to the accident who may later be able to help your case in the event the other driver disputes your account of events.
May 14, 2013 6:42 pm
A: That space may be as close as the next room, particularly if there is unused or under utilized areas in your home. A garage, attic, side porch, large closet, or basement can all be converted to fit the use you have in mind. Or, maybe, a small area can be carved from a larger area like a kitchen or living room to create, say, a powder room. This concept of “stealing” space from a neighboring room is called space reconfiguration and it is much cheaper than a major remodeling job.
May 13, 2013 6:40 pm
Not to be a pest, but I recently discovered a very big ant problem involving very small ants. And while the change of season apparently diverted their attention from the cupboard to the more diverse and easy to access bounty of the great outdoors, the prospect of calling in a pest control service was pretty daunting.
The regional Better Business Bureau apparently hears from a lot of nervous pending pest control clients, because the agency just issued a punch list of warnings to ensure you don't get stung by unscrupulous pest management services. In 2012, more than 786,000 people turned to Better Business Bureau for information on pest control services.
BBB and NPMA recommend the following tips for finding a qualified pest management professional:
Check them out - Evaluate pest control professionals and companies that are members of national, state or local associations. Ask friends and neighbors to recommend pest control companies they have used successfully and ask how satisfied they were with the service.
Always deal with a qualified and licensed pest management company - Ask to see the license or other credentials of the pest control professional that comes to solve your pest problem.
Don’t rush - If a sizable amount of money is involved, get bids from several pest management companies.
Understand before you sign - Before signing a contract, be sure to fully understand the nature of the household pest to be exterminated, the extent of the infestation, and the work necessary to solve the problem. Find out if the pest control company has liability insurance to cover any damages to your house or furnishings during treatment.
If a guarantee is given, know what it covers, how long it lasts, what you must do to keep it in force, and what kind of continuing control, prevention and management are necessary.
Don’t fall for high-pressure sales tactics - Buy value, not price. Beware of companies that offer bargains that sound too good to be true. Be wary of companies that come to your home uninvited and offer to give your house a free inspection for pests or press you for immediate and/or costly treatments.
May 13, 2013 6:40 pm
(BPT)—With many states facing drought this summer, homeowners across the country will be looking for ways to save their landscaping while conserving water at the same time. Even if you're not in a drought-affected area, it pays to keep conservation in mind when it comes to watering outdoors. Using less water is good for the environment and your wallet.
Fortunately, maximizing the efficiency of your watering efforts and taking steps to conserve water outdoors can help trim your water bill this summer, even if you live in a severe drought area, such as in the western regions of the country. Here are simple ways to conserve water, save money and preserve your garden, lawn and landscaping this season:
Efficient, effective irrigation
Traditional watering methods for lawns, gardens and flower beds waste a lot of water through run-off, over-saturation and evaporation. Rather than spraying water over plants, use a method that delivers the right amount of water where it will do the most good - the roots of plants.
Drip irrigation systems can help you water more effectively. These systems deliver water as close as possible to plant roots, allowing you to achieve better results with less water used. You'll also lose less water to run-off and evaporation. Place the system on a timer, and you can also ensure you're watering at optimum times of the day to reduce evaporation and waste. A starter kit with 50 linear feet of tubing - ample enough to handle most gardens and planting beds - costs less than $1 per foot.
Water lawns, gardens and flower beds either early in the morning or as evening approaches to ensure you don't lose moisture to the hot sun. And if a day is windy, hold off watering lawns altogether as the breeze could leave you watering the sidewalk or driveway, rather than your grass.
Reuse, recycle and preserve
Even during a drought, some rain and condensation will occur. Take steps to capture natural moisture. A rain barrel situated beneath a downspout ensures you can catch run-off from your home's roof. While using barrel water may not be practical with most irrigation systems, it's a great option for watering container gardens or even indoor plants. You can also use household water, such as water left over from boiling vegetables or pasta, to water potted plants. Just be sure to let the water cool completely before using it.
You can help plants retain more moisture by placing organic mulch around the roots. The mulch will also help keep down weeds that would compete with plants for much-needed moisture. Depending on where you live and the type of mulch you choose, you can buy a bag of mulch for just a few dollars.
Finally, adjusting the type and location of plants is a great way to grow a drought-resistant garden or landscaping bed. Check with your local agricultural extension or search online for naturally drought-resistant species that do well in your area. By planting these hardier varieties, you can help keep your environment green and growing through a long, dry summer - and avoid the money drain of high water bills.
May 13, 2013 6:40 pm
Looking to sell your home this spring or summer? While market timing and pricing are important, another key factor is your curb appeal. A well maintained yard instantly increases your home’s value by as much as 10 percent, and in the season where the outdoors is at its best, you should ensure the outside of your home is in tip-top shape as well.
Here are the top tips for lawn care and landscaping, provided by Pillar To Post:
Mulch: Adding a layer of mulch to gardens and other non-grassy areas is an inexpensive way to make your yard look nicer. It also helps prevent weeds, so your yard will look better, longer.
Refresh planters: Think about planting brightly colored plants and flowers. They don’t cost that much and add instantly make your home look better. If you don’t have planters, consider investing in some. Not only can they help improve the curb appeal at your current home, you can take them with you when you move.
Prune: Trim trees and shrubs. You don’t want a potential buyer’s first impression of your home to be that you neglect maintenance issues. It’s also a good idea to take a look at your perennial plants. If a plant doesn’t look healthy, remove it. If you don’t want to invest in replacing the plant, put a decorative planter in its place.
Remove plants you want to keep: It’s misleading to show a potential buyer plants you don’t intend to include with the sale. Many states even have restrictions preventing you from doing so.
Clear clutter: Remove anything that is making the yard look cluttered, such as toys, lawn ornaments and large furniture. They can make your yard look smaller and less attractive to potential buyers.
Mow regularly: This may seem obvious, but an unruly lawn may have potential buyers wondering what else you have let go in and around your home.
May 13, 2013 6:40 pm
Zoning. Procedure that classifies real property for a number of different uses: residential, commercial, industrial, etc. in accordance with a land-use plan.
May 13, 2013 6:40 pm
A: Plan ahead. Since your home will become a worksite once the remodeling begins, inconveniences will arise that can be minimized with a little planning. Begin by having a frank discussion with the contractor to set guidelines and develop a clear understanding upfront about the various project stages and the processes involved. Talk, for example, about where building materials will be stored, how to best protect your belongings from dust and debris, areas of your home that will be off limits to workers and whether you will need to vacate the home for any reason over the duration of the work. If a kitchen or bath will be out of commission, plan accordingly. It’s okay to move the refrigerator, microwave and toaster oven to the basement or another designated area where you can prepare meals to avoid eating out. Equally important are the rules that dictate how workers can conduct themselves in your home. Will they be able to use your bathroom and the telephone? Will they be prohibited from smoking, playing their radios or using profanity? Finally, remember to preserve a safe haven in your home where you can flee the chaos and dust and attempt to maintain your sanity.