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Perkasie, PA 18944
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Tom's Blog

Word of the Day

June 28, 2013 10:28 pm

Prepayment penalty.  Fee charged by the lender when a borrower repays the loan early.


Prepping For A Summer Move? You Are Not Alone

June 23, 2013 8:18 pm

Every year, I try to things moving by checking in with the American Moving & Storage Association (, and the Federal Motor Carrier Safety Administration (FMCSA) of the U.S. Department of Transportation (DOT).

This year is no different, and since more Americans moves in June than any other month, now is a good time to get a few of the latest tips to ensure your move is safe, efficient and as economically planned as possible, no matter when you plan to relocate.

According to the DOT, the best defense against moving fraud is to be informed and aware of your options when choosing a reputable moving company. While most household moves go smoothly, there are dishonest or “rogue” movers you should be aware of.

The agency advises to make sure any mover you select has been assigned a USDOT number, is registered with FMCSA to engage in interstate transportation of household goods, and has the proper level of insurance.

Before moving your household goods, interstate movers are required to provide you with information regarding their dispute settlement program.

If your goods are damaged or missing at delivery,request a company claim form from the mover. Complete the claim form to the best of your ability. The mover will tell you where to mail the completed form. You must file a written claim with the mover within nine months of delivery.

Your claim must be in writing but does not have to be submitted on a mover’s claim form.

For more information on interstate moves, visit the FMCSA website at: Or, you can consider a mover who is part of the AMSA ProMover program, which promotes ethical principles in the moving and storage industry and works with federal and state governments to mitigate unethical moving practices.

The ProMover program aids consumers by providing an identifiable measure of quality while, at the same time, enhancing the moving industry by encouraging and recognizing high professional achievement.

Tapping both the AMSA and FMCSA resources will help ensure that you are up to speed on everything to consider as you plan your first, or next move!



7 Secrets to a Better Garage Sale

June 23, 2013 8:18 pm

It doesn’t get much better than clearing out the stuff you no longer want AND clearing some cold hard cash. That’s the advantage of a successful garage sale, says Aaron La Pedis, author of ‘The Garage Sale Millionaire’, who has learned a thing or two over the years about throwing the perfect sale.

La Pedis offers seven tips for making your garage sale a success:

The bigger, the better – The more stuff you have for sale, the more customers you will attract. Start scouring the house and garage several weeks in advance – and ask friends and neighbors to contribute and/or join in.

Promotion is key – Skip the store bought kind and prepare at least 20 large, hand printed signs to tack up around the neighborhood and access streets. Also, advertise your sale on Craigslist and in local papers. (Be a good neighbor and remove signs after the sale.)

Early bird helpers – Don’t shoo away the early birds. Let them help tote boxes and sale items out of the garage and even help lay them out. It gives them a chance to get first peek at what you are selling and helps you get ready on time.

Sale configuration – Place the largest items closest to the curb. Large pieces attract passersby, so when the first large pieces have been sold, bring the largest remaining pieces to the curb.

Leave room to negotiate – Price the most valuable sale items a few dollars higher than you expect to leave room for negotiation. But don’t settle for far less than something is worth. You may be able to sell it on eBay or Craigslist.

Don’t price the cheapest items - Try to get buyers to make you an offer. Ask them what sounds fair to them. The more you interact with buyers, the likelier you are to make a sale.

Offer food for sale – Let the kids man a table selling muffins, bagels, cookies and drinks. Customers who aren’t hungry will stay longer, buy more, and put a few more bucks in your pocket.


Greener Decorating for Your Patio

June 23, 2013 8:18 pm

(BPT)—Outdoor living spaces cry out for an eco-friendly touch. Whether you're adding a patio, updating a deck or livening up your landscaping, the last thing you want to do is harm the environment. Greener decorating and building practices can help you protect and pay homage to Mother Nature while creating a space where you'll enjoy the beauty of the outdoors.

If you're planning some outdoor decorating or renovating this summer, here are some tips to make your exterior living spaces green and inviting:

Eco-friendly construction materials

For many homeowners, decks and patios are key elements of outdoor living spaces. If you plan to add either this summer, be sure to look for environmentally friendly materials like natural stone or responsibly harvested wood. When choosing wood, look for products certified by the Forest Stewardship Council (FCS) as having been harvested following sustainable principles that minimize the impact on the environment. If you're building a patio, choose reclaimed brick or stone pavers that have been recycled from other installations. If you can't find reclaimed pavers, look for natural stone that's been quarried locally or bricks that have been locally produced to minimize the energy spent on transporting the products.

The Sierra Club recommends you seek a deck builder that is LEED (Leadership in Energy and Environmental Design) certified by the U.S. Green Building Council. These builders will have advanced knowledge of eco-friendly practices.

Icing the cake

The accessories - furniture and decor items - that you add to your outdoor environment should be as green as possible, too. Choose patio and deck furniture made from eco-friendly materials, such as recycled plastic (but avoid anything that contains PVC), reclaimed wood or FCS-certified wood. Rehabilitating older iron or wood furniture is also a great way to achieve a singular look while keeping those items out of landfills.

Opt for decor items that minimize their impact on the environment while providing maximum impact on how great your space looks. For example, a wallpaper mural can create an eye-catching focal point and set the tone for your outdoor room. Yet traditional mural painting can be expensive and traditional wallpaper can involve less-than-eco-friendly paste. A removable wallpaper mural creates a striking visual in outdoor spaces without the need for paste or glue. Murals Your Way offers a high-end product that can be moved and reused hundreds of times without losing adhering qualities. Plus, it clings to virtually any flat surface, including glass. You can choose from a myriad of graphic patterns, nature scenes and other images, or have the company produce a custom mural from your original photograph or artwork. Learn more at

Continue the eco-friendly theme with lighting for your deck and patio. It's easy to find a variety of solar-powered accent lights online and in home improvement stores across the country. You can even find decorative post caps for your deck railing that are solar-powered. Solar lights create a soft glow at night and provide accent illumination without the expense - and carbon impact - of electric power.

Finally, as you're landscaping, keep sustainability in mind. By choosing plants native to your region, you not only minimize the transportation impact involved in getting the plant from the production point to point-of-sale, you can also ensure they'll require less watering and work to thrive.

Plants native to your environment are pre-disposed to do well in your backyard. Be sure to choose plants that will do well in your particular setting, too. For example, if your backyard is very shady, plant greenery that requires less sun. If your yard gets a lot of sun throughout the day, choose plants that can stand up to hours of sunlight without the need for extensive irrigation. Check with your local agricultural extension to find out what plants will do well in your environment. The U.S. Department of Agriculture provides a free online listing of extensions throughout the country.


Word of the Day

June 23, 2013 8:18 pm

Multiple listing.  Agreement that allows real estate brokers to distribute information on the properties they have listed for sale to other members of a local real estate organization.  Allows the widest possible marketing of those properties.  Commissions are split by mutual agreement between the listing broker and the selling broker.


Q: How Do Lenders Define Bad Credit?

June 23, 2013 8:18 pm

A: It is all those things that appear on your credit report that are unflattering. They include: missing a credit card payment, defaulting on a previous loan, filing for bankruptcy in the past seven years, or not paying your taxes.

Other black marks include a judgment filed against you – perhaps for non-payment of spousal or child support – or any collection activity.


Strategies for Managing and Reducing Debt

June 23, 2013 6:18 pm

(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.

Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt - credit cards, car payments, mortgage or rent, student loans - to help you determine where you are and which obligations have priority. These tips can help you responsibly manage your debt and strengthen your credit situation.

Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.

Prioritizing payments: Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you've paid off the credit card with the highest interest rate, put that money toward the next highest.

Calling creditors: If you can't make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised - many creditors will be willing to work with you to find a solution.

Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn't an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.

Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling,

Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender - you'll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month.

Source: Wells Fargo Smarter Credit Center


Top 5 Tips for a Better Road Trip

June 23, 2013 6:18 pm

The car is packed and everyone is raring to go. Before you head off on your summertime adventure, make sure you take the following road trip tips in mind.

Check the Car – Are your tires properly inflated? Do your oil and fluid levels need to be topped off? Is the AC working properly? If you need a tune-up you can find a repair shop in your area, or if you're really ambitious, can help with do-it-yourself car maintenance tips.

Cater to the Kids – Nothing can ruin a family road trip quite like a cranky kid. If your child sleeps well in a car, consider leaving at bedtime or during early morning hours. Bring healthy snacks and water – especially electrolyte water, which hydrates kids quickly and stays in the body longer (meaning fewer potty breaks).

Pack Some Entertainment – No TVs built into the headrests? No problem. Portable DVD players are very affordable, and of course, passengers can always fire up movies or games on a laptop or tablet. Even if you don't pack the technology, there are still plenty of old-fashioned road trip games – like I Spy, 20 Questions and the Picnic Game - that the entire family can enjoy.

Know Where You're Going – Even if your car isn't equipped with a navigation system, there is a wide variety of free navigation apps – such as Google Maps – available for your smartphone. No matter what app you use, choose one that offers real-time traffic information to avoid crippling backups. And it's never a bad idea to have paper maps on hand in case there are issues with your phone or its network connection.

Keep Calm and Carry On – Whether it's the kids screaming behind you, or the jerk who just cut you off on the freeway, you never know when a flash of road rage will hit. The best way to avoid angry outbursts is to make sure you're rested. Get a good night's sleep before your trip, and for especially long road trips, take a break every two to three hours.



Tips to Create Memorable Family Adventures

June 23, 2013 6:18 pm

(Family Features)—These warm weather months provide ample opportunities for fun-seeking families to scope out some exciting new adventures. Whether your crew loves a taste of nature or if they're hooked on cultural exploration, it's easy to create a special "daycation."

Optimize family-fun time by making sure you have everything you need before heading out the door, such as sunscreen, umbrellas and bug-spray, to ensure you can fully enjoy your day. When it comes to being nutritionally prepared, registered dietitian and author Patricia Bannan suggests these tips to keep your family properly fueled throughout the day:

Munch in the Morning - If your day of adventure starts early, have easy breakfast options on hand. To keep your metabolism revved and hunger at bay, it's best to eat something small with protein and fiber within two hours of waking up. Greek yogurt with fruit or a slice of whole-grain toast with nut butter are easy breakfast options that provide a kick-start to your morning.

Pack Healthy Snacks - Avoid costly and unhealthy food temptations at concession stands and rest-stops by bringing along nutritious snacks.

Don't Skip Meals - Eating every 3-5 hours will help to keep your blood sugar stabilized and set you up for healthier choices the rest of the day. Curb your appetite between meals by packing pre-portioned snacks, like a mix of nuts and dried fruits.

Bring a Cooler - A hot car can turn any snack into a melted mess, so pack a small cooler bag to keep things chilled. The most important addition to the cooler is water, so pack plenty to stay hydrated.

Now that you're ready for your adventure, choose an activity that your family will enjoy. Here are a few suggestions:

Local or state parks - Chances are you're a short drive from a great public park. Do the research to find out if you can enjoy nature trails by foot or rent bicycles for the day. Many parks also have visitors' centers where kids can take part in crafts while learning about native animals and plants.

Zoo - Get up-close-and-personal with wildlife. Check out a zoo in your town filled with lions, tigers and bears, or a petting zoo at a local farm where children can feed goats, sheep, ponies and more.

Beach, lake or river - Pack the car for a day trip to a local waterway in your neck of the woods. Check and see if you can rent kayaks or paddle boats for a day of outdoor activity.

Museums - Give the kids an adventure into the past, wildlife, outer space or the fine arts with a visit to a regional museum. Many museums offer special rates and programs for children to get involved. You may even find you have a mini Picasso or historian-in-the-making in your family.



Word of the Day

June 23, 2013 6:18 pm

Mortgagee. Party or institution that lends money; the creditor.


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Tom Skiffington - RE/MAX 440 - PERKASIE

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