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
January 4, 2013 5:46 pm
As a professional life coach, I’m privileged to have some very successful career women as clients. I’ve discovered that many of them face challenges quite different than those encountered by men. For example, consider the deep feelings of guilt many working mothers experience. They feel as if they are being split in half and would gladly sacrifice a pair of Manolo Blahnik shoes for more hours in the day. When we are dealing with a female who is voluntarily willing to give up her high-end shoes, you know we have a serious issue. Just as serious is the confusion between making a decision and making a choice. Many of these educated women suffer from the consequences of their choices and struggle with making better choices they can live with and feel good about.
Humbly speaking, I believe a process and a skill set are associated with decision and choice making. In order to recognize the difference--as well as the need to learn or improve upon the skill set--a person must be open to personal growth. Each new client has discovered that something is “off” in that individual’s life, and he/she wants to turn it back on. Often the issues are related to the choices made, which, in turn, have led the client to seek my assistance.
Oftentimes the two words (decision and choice) are used interchangeably, when, in fact, they have complete and separate meanings. Let’s start with decision, which means “to reach a conclusion or pass judgment on an issue.” A choice is defined as “a selection from a number of options.” To simplify: you make a decision to have dessert after dinner, and then you choose between ice cream, cake, or pie--keeping in mind that a moment on the lips is like an inch to the hips. Oh please, I’m a man who loves hips; go with the cake. I do digress.
My helpful guide, “5 Simple Steps to Choosing Your Path,” (sorry, shameless plug) illustrates five simple, but powerfully impactive, steps to making wiser choices. Once applied to our daily lives, these steps have proven quite effective in their simplicity.
1. Think it out:
That should be a logical process, but a lot of times in life, we merely react based on experience, the past, emotions, or a myriad of other reasons, without giving much prior thought to making a choice.
2. Willingness to deal with the consequences through ownership
: Yes, we have to own our choices. We can’t point fingers of blame at others when things don’t work out and only take credit for the good. We must own all of our choices.
3. Accept responsibility:
Whether you like it or not, choices mean responsibility. Now you’re getting into deeper waters. When we step up and claim responsibility, we are indeed stepping up.
4. Be accountable:
When you hold yourself accountable, the message is, “This is on me.” And that truly takes strength of character.
5. Be honest:
This is admittedly the hardest step for a lot of people. Some of us simply find it too difficult to look into the reflected image of truth, which can hurt. The tendency to develop safety mechanisms, in an attempt to protect one’s heart, can be too great. Unfortunately, not being honest with yourself in your daily choices can only delay the inevitable, as well as make matters worse. Here’s the good news: by practicing the art of honesty, telling the truth becomes easier.
It’s never too late in life to do better, be better, and become better. Take a walk to the water’s edge, and look out. For as far as the eyes can see and beyond, endless possibilities exist, and they all start with your choices. Choices are a birthright that each of us possesses without purchase; they’re absolutely free.
After serving in the U.S. Army and earning his degree in business administration, W. Granville Brown embarked on a successful career in the insurance industry spanning two decades. He later became committed to improving the lives of others by encouraging inward reflection, and became a bestselling, self-published author. As a certified life coach, Brown has helped many clients transform their lives for the better by using real-world methods. His new guide, 5 Simple Steps to Choosing Your Path, is available on www.wgranvillebrown.com.
January 4, 2013 5:46 pm
With the uptick in mortgage and loan fraud in recent years, we tapped the Federal Trade Commission and continue our look at the agency's list of red flags to help you stay safe from scam artists and fraudulent mortgage or loan purveyors.
The FTC says watch out for:
- Fees that are not disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, and then call or email demanding a fee before you can get the money.
- Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”
- Legitimate lenders often charge application, appraisal, or credit report fees, but they disclose those fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.
- A loan offered by phone. It is illegal for companies doing business in the U.S. by phone; to promise you a loan; and ask you to pay for it before they deliver.
- Always check a company’s phone number from an outside source, and verify they are who they say they are. And get a physical address, too -- company that advertises a PO Box as its address is one to check out with the appropriate authorities.
- Lenders not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation.
- A lender who asks you to wire money or pay an individual; legitimate lenders don’t ask anyone to do that. And don’t use a wire transfer service or send money orders for a loan -- legitimate lenders don’t pressure their customers to wire funds.
Most importantly -- if you think you’ve had an experience with an advance-fee loan scam, report it to the FTC at ftc.gov or call toll-free, 1-877-FTC-HELP.
January 4, 2013 5:46 pm
Deed. Written document that when executed and delivered conveys title to real property.
January 3, 2013 5:46 pm
If Santa left a shiny new iPhone under your tree, you probably already know how to call, text, and check email. But, say the communications experts at Business Insider, there are tips and tricks that can help you maximize your time and effort. Bonus: most of these tips will work just as well with your iPad.
Turn off LTE to save battery – On the iPhone 5, you can save battery life in a pinch by going to Settings, then General, then Cellular. Or choose the Enable LTE toggle; if you need to save battery and can spare some Internet speed, turn this option off.
Lock the screen orientation – To lock your screen orientation, double tap the home button and swipe to the right. You'll see a gray circle opposite the rewind button. Tap that once and a lock will appear, so when you turn your phone sideways the orientation will stay put.
Automatically download new apps – A handy feature if you have several Apple devices: New apps and music will download automatically to all of them if you go to Settings and navigate to the middle of the page. Select the Store option, and once inside, under Automatic Downloads, switch on options for music, apps or both.
View websites in full screen – While browsing a web site in Safari, turn your iPhone to the side (landscape) and tap the full-screen icon (arrows coming together in the bottom right) and you can view a website without distraction.
Create a custom vibration – This can let you know who is calling or texting without having to look at the phone. Go to Settings, then tap Sounds at the bottom of the page. You'll be able to select custom vibration or record your own – and you can adjust the length of it, too.
Use Siri to set location-based reminders – Siri can be used to set a reminder, like saying "remind me to call mom at 4 today." But you know you can set location-based reminders on your iPhone 4S. Say "Remind me to call mom when I get home," and you'll be notified accordingly.
January 3, 2013 5:46 pm
If you made a resolution to solve any credit issues or address mortgage challenges in the new year, then this is for you. We recently heard from some of the nation's most tried and true 'watchdogs' about an issue he will be monitoring closely in 2013 - mortgage fraud.
One is the National Crime Prevention Council (NCPC) -- a nonprofit leader in crime prevention. For more than 30 years, its mascot, McGruff the Crime Dog and the council have been watching out for consumers and 2013 will be no different.
The FBI is also on the case, since its most recent Mortgage Fraud Report indicates that more than $10 billion in loans originated with fraudulent application data in 2010. Another agency, the Federal Trade Commission has issued some red flags that can tip you off to scam artists’ attempts to get you to sign on the bottom line of a fraudulent mortgage or loan document.
In this segment, we'll begin to review these important tips, beginning with the usual suspects:
- A lender who isn’t interested in your credit history. A lender may offer loans or credit cards for many purposes — for example, so a borrower can start a business or consolidate bill payments. But one who doesn’t care about your credit record should give you cause for concern.
- It’s also a warning sign if a lender says they won’t check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. They may use your information to debit your bank account to pay a fee they’re hiding.
- Ads that say “Bad credit? No problem” or “We don’t care about your past. You deserve a loan” or “Get money fast” or even “No hassle — guaranteed” often indicate a scam. Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they guarantee firm offers of credit — even to creditworthy consumers.
In the next segment we'll pick up with some additional tips on how to avoid mortgage and loan fraud. But in the meantime, if you think you’ve had an experience with an advance-fee loan scam, report it to the FTC at ftc.gov or call toll-free, 1-877-FTC-HELP.
January 3, 2013 5:46 pm
(Family Features)—When it comes to getting the house clean and tidy, closets often get left off the to-do list. From hall closets and linen closets to bedroom closets, "out of sight, out of mind" thinking quickly leads to clutter -- and then frustration when you can't find what you need when you need it.
But a little planning and a few simple tips can help you get your closets in user-friendly shape in no time.
Put your closets on your calendar.
Take stock of your schedule and commit some time to tackle your closets. Set realistic expectations -- you don't have to conquer all your closets at once. It may make sense for your family to forego TV one evening a week and focus on one closet at a time, for example.
Start by sorting.
Eliminate excess -- but don't throw it away.
- If you haven't worn a piece of clothing in the past year -- or you can't remember the last time you wore something -- then you don't need it. Other items to purge from your closet: children's clothes and shoes that are either too small or too worn out to pass down to a sibling or a friend.
- Sort your remaining clothes by season and then into piles to keep or pass down. If you have limited closet space, keep only the current season's wardrobe in your closet. Carefully pack and store the rest for later.
- Linen closets stay more organized when you stack similar sized items together. Sort sheets by size, and group washcloths, hand towels and bath towels together.
- For closets that hold everything from the vacuum cleaner to art supplies and anything in between, work one shelf at a time. Sort items by categories and dedicate one shelf or area of the closet to each group.
As the saying goes, one man's trash is another's treasure. There are easy ways to donate your unwanted items to benefit those in need. One example is DonateStuff.com
, where you can request pre-paid UPS shipping bags that make it simple and free to send in unwanted clothes, shoes, accessories and household linens. Your donation benefits one of three national nonprofits of your choosing: AMVETS, Easter Seals, or The Purple Heart. It's tax deductible, and it reduces waste. Americans throw away an average of 68 pounds of clothing each year. You can learn more at www.donatestuff.com
Green up your storage.
When it's time to put things back into place, instead of buying new containers to hold things, look around the house for boxes and containers you already heave. Baskets, crates and even empty shoeboxes can be reused to keep your closets more organized.
You don't have to wait until the next neighborhood yard sale before you sift through your closets again. As with most household chores, a little maintenance goes a long way to keep your closets looking neat and clean. You could even keep a bag in each of your kids' closets and encourage them to set aside gently used and outgrown items on a regular basis.
You'll be amazed at how much happier clean closets can make the whole house feel -- especially when you turn the stuff you don't need into a good deed.
January 3, 2013 5:46 pm
A: From the very beginning, get in the habit of taking an inventory at least once every year of every nook and cranny of your home to check for potential problems. Examine the roof, foundation, plumbing, electrical wiring – basically everything. Try to fix trouble spots as soon as you uncover them. This proactive approach will help you avoid larger expenses later on, so leave no stone unturned when taking your inventory.
January 2, 2013 5:40 pm
Decorating the nursery is a distinct pleasure for most expectant parents. But it isn’t easy to choose furniture and accessories that offer style, comfort and practicality that will last for many years.
Design mavens at the ABC Kids Expo in Louisville, Ky. spotlighted six new products for parents who are looking for something different. They aren’t cheap, but they offer unique and modern styles created with beauty, safety and comfort in mind:
The Babycotpod – The most contemporary bassinets ever, Babycotpod designs feature an egg-shaped collection of baby furniture that is handcrafted of fine hardwoods with custom-painted exteriors. The Nuna and Cascara models offer a unique, sophisticated and comfy sleep space with built-in hood and carry handles. Prices begin at about $800.
The Gro-Crib - A crib that turns into a toddler bed, a day bed, a desk and a play table – with no screws or hinges. Designer David Singelyn’s crib has no mechanical fasteners and takes only minutes to put together. Not cheap at $1,400, but when you consider how many pieces of furniture you get in one, it’s great for those who can afford it.
Baby Dee Dee Sleep Nest – A cross between a soft, washable duvet and a wearable baby sleeping bag, this new innovation with shoulder snaps and a glow-in-the-dark zipper wraps baby in a soft cocoon, eliminates the need for loose blankets, and makes it easy to change diapers in the dark. Costs about $35.
The Petit Nest – An eco-friendly, made in America collection of cribs, dressers, gliders, wall art and more designed to last long beyond baby’s early years. Whimsical, playful styling with a distinct point of view that can later be integrated into the design of any home. Cribs and dressers cost between $1,400 and $1,700.
Ububub cribs – Unique, modern wood cribs with smooth, rounded edges and clear Lucite sides for best visibility for you and your baby. They feature a low profile, adjustable mattress positions, and no bars for baby to get stuck in. Cost? About $1,600.
Spa Baby Hot Tub – A soothing green ‘baby bucket’ that calms squirmy babies and keeps them safe at bath time. Provides a chest-high warm soak in a natural, womb-like position. Cost is about $38.
January 2, 2013 5:40 pm
As we process and mourn the losses of the unthinkable Sandy Hook Elementary School tragedy that has affected us both physically and emotionally, we must stay strong especially for the children who were traumatized that day. In an effort to help the families, Psychotherapist, author, and Positive Living Expert, Diane Lang, shares 8 tips on how to help kids deal with trauma.
It's difficult to comprehend even the possibility of the horrific tragedy in Newtown, Conn. Many of us are experiencing both physical and emotional affects as we all mourn the losses from that day and have deep sympathy and condolences for all those that were directly affected including the first responders.
In this time of sadness, we must remain strong especially for the kids who were traumatized. Here are eight tips to help kids deal with trauma:
Empathetic listening - Be empathetic to what the kids have been through. Put yourself in their shoes.
Be a good listener - Listen to your kids both verbally and non-verbally.
Be honest - Be honest and open, but age appropriate. Remember, age is just a number; know the child's maturity level and how much they can handle.
Assure the situation is temporary and they are safe - Let the child know the situation is temporary and they are doing everything in their power to make sure everyone is safe.
Allow time for a Q&A - Talking out in the open is an important way to cope.
Healing takes time/comfort as much as you can - It takes time to heal/comfort. Give the kids time to heal and be as warm as possible and comfort them as they heal.
Try to keep a sense of normalcy and routine- Don't make any sudden or drastic changes, if possible.
Watch your own behavior- If your kids see you upset and stressed, they will become more stressed. Kids are visual learners so watch your behaviors.
Diane Lang - Positive Living Expert and psychotherapist - is a nationally recognized author, educator, speaker, therapist and media expert.
January 2, 2013 5:40 pm
It’s the question we ask ourselves almost every day: What’s for dinner?
Entwined in this daily dialogue is wondering whether we’ll need to dash into the grocery store on the way home from work. The next time we make one of those supermarket pit stops, Dr. Eudene Harry, author of “Live Younger in 8 Simple Steps,” would like us to veer in a new direction.
“When people shop on the go, they tend to gravitate toward old standbys and foods they can multipurpose with – usually not the most nutritious choices possible. But by substituting a few items on your list, you can not only look and feel more youthful, you’ll boost your resistance to certain cancers and other illnesses.”
Some of the most nutrition-packed foods not only taste great, they’re readily available at the grocery store and easy to prepare, Harry says.
“The more you eat, the more you’ll crave them.”
Here are five food combos for shoppers with healthy eating on their minds:
• Tomato, garlic, chicken and almonds: Tomatoes contain one of the world’s most concentrated sources of cancer-fighting lycopene, which is best absorbed from tomatoes that are cooked. Garlic has been used for centuries for various health purposes and is a known free-radical destroyer. Nuts help to lose weight, maintain healthy blood pressure and support moods; almond crumbs are a great substitute for bread crumbs on chicken. Pair these goodies with whole wheat couscous for a full dinner.
• Tempeh: With its high protein, fiber and isoflavones content, and meaty texture, tempeh is heavily utilized by vegetarians. It’s made from soybeans processed in a manner similar to cheese making. Like tofu, tempeh takes on the flavors with which it is cooked or marinated, including zesty-tangy balsamic vinegar – perfect for accentuating salads.
• Mashed cauliflower gone Greek: Mash some cauliflower with Greek yogurt! Not only does the “original” yogurt have a thicker texture and richer taste, it’s also denser in lactobacilli, the healthy bacteria that may delay the onset of cancer. And yogurt is low in fat and high in protein, which is essential for many body functions, including building and repairing muscle tissue, organs, bones and connective tissue. Rather than add fatty, cholesterol-filled butter and sour cream to starchy potatoes that stick to your ribs, why not pair two healthy options with mashed cauliflower with Greek yogurt and fresh black pepper for simple goodness?
• Sushi – wild salmon, minced cucumbers, shredded carrots, kelp, sesame seeds and rice: A sushi roll is much more filling and satisfying than a non-sushi eater would think. Many grocery chains offer ready-made rolls, but they are also fairly easy to make. A bamboo roller is a great start; place a sheet of nutrient-dense kelp as the first thing on the roller, and add, lengthwise, desired ingredients. Your first try is not likely to be perfect, but the tasty and healthy ingredients will be there.
• Fruit salad for dessert: Bring together chopped apples, strawberries, cantaloupe, watermelon and pineapple with blueberries and grapes for a sweet and juicy post-dinner palate-cleanser. Lemon juice prevents fruits from bruising. If that’s not enough, combine the salad with Greek yogurt – perhaps blended with vanilla or almond extract – and fiber-filled granola for a parfait.
Dr. Eudene Harry holds a bachelor’s in biology from New York University and completed both her medical degree and residency training at Thomas Jefferson University. Currently the medical director for the integrative and holistic Oasis Wellness and Rejuvenation Center, she has practiced medicine for nearly 20 years, is board certified in both emergency and holistic medicine, and for more than a decade practiced emergency medicine as an attending physician in Level II trauma centers.