RE/MAX 440
Home My Listings View Area Listings Inside Tours About Me Contact Login Helpful Links Mortgage Info Community Info School Info Tom's Blog Buying Selling Financing Glossary Home Ownership Testimonials

701 W. Market Street
Perkasie, PA 18944
Phone: 215-453-7883
Office Phone: 215-453-7653
Toll Free: 800-440-remax
Fax: 267-354-6800

Tom's Blog

Decorating 101: Spicing Up Your Bedroom

December 19, 2012 2:44 pm

Does your bedroom lack excitement?

When it comes to spicing up how your bedroom looks, the folks at Ballard Designs know a lot about turning a plain old bedroom into a space bursting with visual excitement. Consider these aspects:

Color - Since your bedroom is a place for repose, choose three colors that work well together and stick to the “60-30-10 color principle” - 60 percent dominant color, 30 percent secondary color and 10 percent accent color. For your dominant color, think soothing neutrals - a lighter or softer shade of a color whether it’s sand, green, gray or blue - that has a touch of earth tone in it.

Not in the mood to paint? Add color with bedding, wall décor and other accents.

Use bedding to highlight your secondary color with lighter or darker shades and varying textures of fabric, or limit the palette to two contrasting patterns and a solid in sheets, duvet and shams. Reserve bold hues and playful patterns for accent pillows, a bedside throw rug, artwork, vases and lampshades that support primary and secondary colors.

And don’t forget layering - a key decorating practice that creates the perfect combination of comfort, warmth and texture. You’ll find that most bedroom decorating ideas are in some way related to creating layers around the room.

Ballard Designs recommends considering these four features of your bedroom when layering:

  • Bedding – Sheets, a soft blanket, bedspread, quilt or duvet, along with a throw and pillows in different shapes and sizes are all building blocks that help create an inviting, sumptuous bed. Even a headboard fits in the mix and adds to the overall look, especially if it’s upholstered.
  • Windows – A simple shade or bamboo blinds under drapes create a soft, layered look while controlling the amount of light in your room.
  • Flooring – A wool or cotton rug breaks up the expanse of wood flooring or covers up old carpeting while adding an extra layer of color and warmth.
  • Lighting – Create gentle, restful lighting from multiple light sources. A floor lamp or pair of sconces adds ambient lighting, a bedside lamp provides task lighting for reading and an overhead fixture bathes the room in light when needed.


Tips to Navigate 2012 W-2 and 1099 Changes

December 19, 2012 2:44 pm

Every year brings with it new changes related to W-2 and 1099 forms and reporting requirements. Due to the government's increasing focus on the proverbial tax gap, it's more important than ever for small businesses to understand the changing W-2 and 1099 reporting environment.

Here are some of the key changes that will affect small business this year.

W-2 Form Changes and New Additions
The reduced rate of 4.2 percent for social security tax withholding (for employees only) is extended for wage payments made in 2012. Also new in tax year 2012, compensation of $600 or more that is paid to H-2A visa agricultural workers must be reported on Form W-2 if the worker furnishes a valid taxpayer identification number. If the worker does not furnish a valid taxpayer identification number, report the payments on Form 1099-MISC.

In addition to the above W-2 form changes, there are several specific form updates to various 1098 and 1099 forms. Below are several of the more prominent changes for 2012:
  • Filers of Forms 1098 (except 1098-C), 1099, and 5498 may truncate a recipient's social security number, individual taxpayer identification number, or adoption taxpayer identification number on paper payee statements for tax year 2012.
  • Form 1098: Mortgage insurance premiums paid or accrued after December 31, 2011, are no longer eligible to be treated as interest paid by the payer/borrower.
  • Form 1099-B: New boxes have been added to Form 1099-B for reporting the stock or other symbol, quantity sold, whether basis is being reported to the IRS, and state income tax withheld. Other boxes on the form have been moved or renumbered. Brokers must also report on Form 1099-B sales of covered securities by an S corporation if the S corporation acquired the covered securities after 2011.
  • Form 1099-C: Box 6 is now titled Identifiable Event Code and requires the entry of a code for the identifiable event. For 2012, all codes are optional except for Code A – Bankruptcy.
  • Form 1099-DIV: Exempt-interest dividends from a mutual fund or other regulated investment company are now reported on Form 1099-DIV. Those amounts will no longer be reported on Form 1099-INT. Boxes 12 through 14 have also been added to Form 1099-DIV to report state income tax withheld.
  • Form 1099-INT: Exempt-interest dividends from a mutual fund or other regulated investment company (RIC) are no longer reported on Form 1099-INT. Those amounts will now be reported on Form 1099-DIV. Boxes 11 through 13 have also been added to Form 1099-INT to report state income tax withheld.
  • Form 1099-MISC: Compensation of $600 or more paid in a calendar year to an H-2A visa agricultural worker and any backup withholding must be reported on Form 1099-MISC if the worker fails to provide the employer with a taxpayer identification number. If the worker does furnish a valid taxpayer identification number, report the payments on Form W-2.

Below are some important dates for filers to remember as they enter tax season:

  • January 31, 2013 – Due date to send most 1099s and Copies B, 2, and C of form W-2 to each recipient/employee
  • February 28, 2013 – Due date to send Copy A of form W-2 to the Social Security Administration (SSA) and form1099 to the Internal Revenue Service (IRS) on paper
  • April 1, 2013 – Due date to send copy A of form W-2 to SSA and form 1099 to IRS electronically (e-file)

How to Choose a Cell Phone Service Plan

December 19, 2012 2:44 pm

Are you buying a cell phone service plan? How about giving one as a gift this holiday season? Since smartphones require a data plan for access to the Internet and many applications, the gift of a service plan would enable your recipient to use the phone right away. If you go this route, first figure out how much data the phone recipient will be using every month.

According to a September, 2012 NPD Connected Intelligence study, consumers are using more data than ever before. Android smartphone users download an average of 870 MB of data per month on cellular networks and about 2.5 GB per month on Wi-Fi networks. So what does that really mean? For context, with approximately one gigabyte (GB) of data, you could do one of the following tasks: view 1,000 web pages, send or receive 50,000 emails without attachments, stream 33 hours of music, post 2,800 pictures to Facebook, or watch 8+ hours of video on YouTube.

Knowing how the phone recipient will use it not only helps you find the right device, but the right data plan as well. Ask yourself:

  • How often will they check email on the device each day?
  • How often will they surf the web or check their social network?
  • How often will they share photos and documents?
  • How often will they download games, apps and music?
  • How often will they stream music and videos?

Compare service options to get the most for your money. Some plans offer a limited number of texts or data usage and charge hefty overage fees. Other plans include unlimited talk, text and data for multiple phone lines for a reasonable monthly fee.

In addition to contract plans, you can also consider a pre-paid plan.


Word of the Day

December 19, 2012 2:44 pm

Competitive market analysis. A method of determining home value that looks at recent home sales, homes presently on the market, and homes that were listed but did not sell.

Q: Is It True You Never Really Stop Fixing up a Home?

December 19, 2012 2:44 pm

A: From the day you move in to the day you sell your home, there will always be something that will need to be repaired or remodeled. You may want to undertake some changes simply to elevate your comfort level – like installing central air conditioning – or spruce up the home’s aesthetics, such as adding a few stained-glass windows.

But other work will need to be done to maintain the property and minimize problems later on. For example, replacing a hazardous roof, fixing broken windows, and repairing leaky pipes. These are all necessities. Left undone, they can lead to major problems and damages within the home.

If you decide one day to sell, other improvements will likely be made to increase the home’s value and appeal to potential buyers.

Road Trip! Four Top Tips for Safer, Holiday Travel

December 18, 2012 6:44 pm

Whether you’re headed to Grandma’s house for an old-fashioned Christmas or to a place in the sun for some holiday relaxation, getting there can be cheaper and often more fun if you drive. But road trips can carry their own brand of mishaps if you don’t plan ahead, say the trip-meisters at the Automobile Club of America.

AAA suggests six ways to help make your family’s road trip enjoyable and worry-free:

Don’t advertise – Do not post your plans to leave town on your Facebook page or other public venues. An empty house can lure robbers, so keep your travel plans relatively quiet – although it’s wise to leave a copy of your route and itinerary with a trusted friend or relative.
Travel safe – Have your car checked out before you leave to minimize roadside emergencies. Stock it with flares, water, protein bars, blankets, your cell phone charger and kitty litter for tire traction if you will be traveling in icy regions. Also, put any maps or other evidence that you are traveling into the trunk or glove compartment when you stop for meals or a rest stop. You don’t want to alert thieves that there may be valuables in your car.
Make it comfy – If you’re traveling with kids, it’s best to keep them well-fed and entertained. Pack portable DVD players, handheld game systems, or travel versions of favorite board games. Check online for some popular road games, like license plate alphabet or G-H-O-S-T, and take along some on-the-go snacks like string cheese, granola bars or fruit.
Keep it relaxed – If there are two drivers in the car, switch off every few hours. Do not distract the driver with frequent requests to, “Look at that!” On the other hand, be alert to points of interests along the way that may be worth an unscheduled stop – or plan a stop or two in advance. If you can spare the time, such stops are a good way to keep everyone relaxed and happy.

Are You A Renter? Insure Your Stuff!

December 18, 2012 6:44 pm

I need a bunch of you – specifically you renters – to take a moment and consider an important piece of advice about your stuff. If you love it, then make an extra effort to protect it.

Did you know the majority of homeowners buy insurance, but just one in three college-aged renters insures their belongings? Even more shocking: at least half of all renters fail to buy any insurance protection for their possessions.

Way too many consumers are under the mistaken impression that their landlord’s policy will cover their losses, according to the Connecticut Better Business Bureau. BBB says renter’s insurance generally covers property damage or loss caused by theft, fire, vandalism or storms. In addition, most policies include liability coverage, which protects a tenant if someone gets hurt when visiting their home or apartment.

The cost of renter’s insurance is usually lower than homeowner’s insurance because it covers only personal property and liability, not the structure. The amount of the deductible can also affect the cost of premiums.

Two types of renter’s insurance coverage are available:

  • Actual cash value insurance pays to replace items up to the policy’s limits, minus a deduction for depreciation.
  • Replacement cost insurance pays the actual cost of replacing your possessions, regardless of depreciation, up to the limits on the policy.

Consider the value of possessions versus the cost of insurance - even a college student can have property worth several thousand dollars, such as computers, televisions, furniture, jewelry or small appliances.

When seeking a renter’s insurance quote:

  • Determine if you have specific items of high value, you also may need a rider to cover those items.
  • Ask what deductibles apply to the policy.
  • Find out whether the policy will cover living costs if you are unable to occupy your current apartment or home.
  • Inquire about exclusions, such as types of property that would not be covered.
  • Ask the insurer if they give discounts for burglar alarms, fire extinguishers, sprinkler systems or deadbolts on exterior doors.
  • If you are switching insurers, be sure that the new policy is in effect before dropping the old one.
  • As with any insurance product, BBB advises consumers to get estimates from several companies before buying a policy.


Word of the Day

December 18, 2012 6:44 pm

Condominium. Type of housing where buyers own their units outright, plus an undivided share, or joint ownership, in the common elements of the building or community.

Q: Can I Contest My Property Taxes?

December 18, 2012 6:44 pm

A: Many people do, mainly because determining value can often be tricky. This is especially true in a changing market when local prices either take off dramatically or plunge precipitously, like during the Texas oil bust of the 1980s.

While it is up to a professional assessor to evaluate property value for tax purposes, property owners are usually allowed to contest their assessment until a certain date after they are made public.

Once you contest, you will have to prove why you think your property is worth less – few homeowners contest hoping to pay more taxes! The two most popular ways for determining value are an appraisal and a comparative market analysis. With an appraisal, a professional estimates the property's market value based on recent sales of comparable properties. A comparative market analysis is an informal estimate of market value performed by a real estate agent based on similar sales and property attributes. Most agents will offer free analyses to win your business.

Contact your local tax assessor's office for procedures on appealing your property tax assessment.

Does Your Family Have a Fire Escape Plan?

December 17, 2012 6:38 pm

(Family Features) When a home fire occurs, you have to act fast. If your family doesn’t have an escape plan, this could lead to chaos and panic. Make sure to come up with a plan, and be sure it includes a working smoke alarm—more than 20 percent of American homes are without them. This means roughly 23 million homes are at risk because of non-working smoke alarms and an additional 5 million homes are at risk by not having smoke alarms. Read the following tips to make a plan for keeping your family and home safe.

Make a Plan
On average, families have less than three minutes from the time the first smoke alarm sounds to escape a fire. Installing smoke alarms on every level of the home and developing a plan of escape can give your family precious minutes to get out and get to safety.

Draw a floor plan of your home and sketch exit routes out of every room.
Make sure you have a fire escape ladder long enough to reach the ground from upstairs rooms.
Assign an outside meeting place, so you can quickly locate each other.

Room by Room
The peak time for home fire fatalities is between 11 p.m. and 7 a.m., when most families are asleep.

  • Do not trap electrical cords against walls. Heat can build up, posing a fire hazard.
  • Use only lab-approved electric blankets and warmers. Make sure cords are not worn or coming apart. Do not leave electric blankets switched on all night unless they are marked “suitable for all night use.”
  • Keep bedding, curtains and other combustible items at least three feet away from space heaters.
  • Never smoke in bed.
  • Replace mattresses made before the 2007 Federal Mattress Flammability Standard. By law, mattresses made since then are required to be safer.
  • Install smoke alarms in every bedroom and outside each sleeping area.

Living Room
  • Do not overload electrical outlets.
  • Check electrical cords for fraying or signs of damage and don’t run them under carpets.
  • Candles are responsible for almost 10,000 fires a year. Use new flameless wax candles which provide the realistic flicker of a scented wax candle without the hazard of open flame.
  • Keep battery-operated flashlights and lanterns in easily accessible places in case of power failure.

Cooking is the leading cause of reported home fires and home fire injuries in the United States.

  • Never use extension cords to plug in cooking appliances; they can overload the circuit.
  • Stay in the kitchen when you are frying, grilling, or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.
  • Keep flammable items away from the cooktop.
  • Keep the cooktop, burners and oven clean.
  • Have a fire extinguisher installed in or near your kitchen.

  • Store all combustible materials in clearly marked containers away from regular sources of heat, such as water heaters, space heaters, boilers and furnaces.
  • Keep flammable products in a dedicated storage container with a closed door.
  • Get rid of stacked boxes, recycling and trash.


Learn more about Philadelphia County, Doylestown, Northampton County, Hilltown, Montgomery County, Ottsville, Chester County and Richlandtown and search all the real estate listings in the Perkasie area MLS. We have packed our site with tons of information about Revere, Hilltown, Ottsville, Doylestown, Perkasie Real Estate and Northampton County Real Estate plus what you need to know about buying and selling a home or condo. I offer full a full range of professional real estate services. On this Perkasie real estate site find Perkasie In Town and Suburban Properties, Land, Lots, Perkasie Golf Homes for Sale, Luxury Estates, Town Homes, Perkasie New Homes for Sale, Perkasie Condos, Town Homes, Real Estate, Perkasie Luxury Estates, Equestrian Estates and Perkasie Executive Homes For Sale. Search for Homes for Sale in Perkasie. You can also Search for Homes for Sale in Lehigh County and it's surrounding counties. Lehigh Valley Real estate ad Lehigh Valley homes or properties for sale.

Tom Skiffington - RE/MAX 440 - PERKASIE

Franconia Pennsylvania real estate, Line Lexington Pennsylvania, Hilltown Pennsylvania, Revere PA properties, Trumbauersville PA properties, Gardenville PA, Kulpsville PA, Erwinna Pennsylvania homes for sale, Philadelphia County PA, Northampton County properties, Bucks County PA real estate, Blooming Glen Pennsylvania, Perkasie PA, Kintnersville properties, Richlandtown real estate, Mainland Pennsylvania, Bedminster PA, Montgomery County Pennsylvania properties, Hatfield PA homes for sale, Chester County Pennsylvania, Pipersville PA, Dublin Pennsylvania properties, Fountainville real estate, Upper Black Eddy properties, Plumsteadville properties, Souderton properties, Danboro Pennsylvania, Quakertown properties, Jamison Pennsylvania properties, Doylestown Pennsylvania real estate, Chalfont PA, Ottsville real estate, Sellersville homes for sale, Earlington PA homes for sale, Ferndale PA homes for sale, Colmar real estate, Lehigh County Pennsylvania real estate, Silverdale real estate, Tylersport PA homes for sale, Warrington PA homes for sale, Telford Pennsylvania properties