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
September 20, 2012 6:08 pm
In the last several years, kitchen activity has increased as families bypass the drive-through to cook at home more often. According to a recent survey from DuPont , more than two-thirds of home cooks choose nonstick pots and pans because they help families cook convenient and healthy meals that are easy to clean up.
"You don't need a lot of equipment to cook a simple and healthy meal at home. With a chef knife and a large, high quality, nonstick skillet you can cook a lot of really great recipes," says Janice Newell Bissex, M.S., R.D., author of the new family cookbook "No Whine with Dinner" and co-founder of www.MealMakeoverMoms.com.
As families try out new recipes and pick fresh ingredients for their home-cooked meals, it's a good idea to understand what cookware to look for when it's time to buy something new.
Types of Nonstick Coatings
Not all nonstick cookware coatings are equal. According to the Cookware Manufacturers Association (CMA), most quality nonstick cookware has a PTFE (polytetrafluoroethylene) finish. PTFE, developed by DuPont 70 years ago, is used as a nonstick coating that is both durable and high-temperature resistant. Quality brands have been developed with a variety of coatings which are reinforced to resist scratching and can come in up to three-coat finishes -- which means greater durability and a longer life for your pan.
Consumers also may be familiar with pans that advertise as ceramic finishes and claim they are natural or organic. Both ceramic and PTFE-based coatings start from minerals that are used to create a synthetic coating. PTFE coatings comply with the U.S. Food and Drug Administration (FDA) regulations for their intended use. In lab tests, which simulated cooking in a home kitchen, traditional nonstick coatings lasted up to seven times longer than ceramic finishes.
Using Nonstick Cookware
While there are few rules to using nonstick coated pots and pans, just like anything else in your kitchen, you can achieve the best results when you use proven techniques.
When trying out new recipes, or simply revisiting an old favorite, it's best to use medium or low heat. Then add food and lower the heat to cook at an even temperature.
Because food releases so easily when you use cookware with nonstick coatings, you don't need to use oil or fat when you cook unless you want to. And with recent improvements you also can use metal utensils on many high-quality nonstick-coated pots and pans without worry of scratching.
DuPont research also shows that cleaning up after cooking remains a top concern in the kitchen. With nonstick pans, cleanup is easy. Simply wash with hot, soapy water after each use; a sponge or dishcloth is usually all it takes to get the surface thoroughly clean.
Many nonstick pans also are dishwasher-safe. Check the manufacturer's guidelines before using a dishwasher. Cookware also should be stored carefully to prevent unnecessary wear and tear.
Buying a New Pan
Buying something new for your kitchen -- even a pot or pan -- is exciting, and since you'll likely be using it for a long time, you want to make the right choice. Use these tips when shopping for nonstick cookware:
Think about what piece or pieces you will really use most. Start there and build. You can buy a single pot or pan or a full set, depending on your needs.
Check out all the new types of pans available, as manufacturers are constantly innovating. For example, there are new nonstick pans for grilling, stainless steel pans with nonstick coatings, as well as new colors to add flair to your kitchen.
Finally, if you use cookware in the oven as well as on the stove, choose a handle that can take the heat, such as metal, and check the manufacturer's guidelines for maximum temperatures.
Can you really brown food in a nonstick pan? Yes.
You don't need high heat to brown in a nonstick pan -- use medium heat. You'll get the same results; it will just take a little longer.
Augment the browning of your main ingredient simply by adding a sweetener, such as wine, juice, vinegar, syrup or honey.
September 20, 2012 6:08 pm
A: You would think not since it is new and the developer has to adhere to local construction guidelines. However, err on the side of caution – always hire an inspector, whether the home is old or new.
You can ask the builder to provide copies of any inspection reports on the property, architectural plans, surveys and pertinent construction documents for your inspector to review.
The inspector should either be a professional home inspector, an engineer, an architect or a contractor. When hiring a professional inspector, look for one who belongs to a home inspection trade organization, such as the American Society of Home Inspectors (ASHI).
This group has developed formal inspection guidelines and a professional code of ethics for its members. Membership in ASHI is not automatic. Proven field experience and technical knowledge about structures and their various systems and appliances are required.
As for rates, they vary greatly. Many inspectors charge about $400, but costs increase based on the scope of the inspection.
September 19, 2012 6:06 pm
In our last segment we started drilling into the cache of data available in the latest federal Consumer Complaint Survey Report (consumerfed.org), compiled by the Consumer Federation of America (CFA) and the North American Consumer Protection Investigators (NACPI).
Several of the top complaint categories involved homeowner, finance and mortgage issues, so we'll continue looking at some specific concerns to help protect you, your home and finances from unscrupulous schemes.
Many consumers having trouble making ends meet have been seeking modifications of their mortgage agreements. But what should be a simple fix has often turned out to be a nightmare.
The Montana Office of Consumer Protection reported that one consumer who was approved for a loan modification made three trial payments. But when the permanent modification paperwork finally arrived, it had an accounting error.
After alerting the bank of the error, the consumer was put back in review for months. And he was told to continue trial payments, which caused him to fall farther and farther behind on his loan principal.
Then he received a denial letter, in error. After months of struggle and with the assistance of the consumer agency, he was granted the correct permanent modification, which significantly reduced his principal and payments - enabling him to stay in his home.
A complainant to the Louisiana Attorney General’s Office similarly tried for 18 months to work out a loan modification with a major national bank, repeatedly filling out documents and sending them as instructed, only to be told that more was needed.
After being notified that his loan modification had been approved, he got another call from the bank telling him that he had in fact been turned down. And, his home was placed into foreclosure, despite the fact that he had successfully completed trial payments and had a friend who was prepared to provide financing.
If you find yourself in a similar position, or need help modifying a loan or avoiding foreclosure - no charge - go to makinghomeaffordable.gov. You can also talk to a certified housing counselor at 888-995-4673.
September 19, 2012 6:06 pm
(ARA) - Good lighting is not something most people think much about until they don't have it. Living in a well-lit room is a much more pleasurable experience than trying to cook, read, entertain or do just about anything in a dark, shadowy space.
The American Lighting Association offers these tips for improving the lighting in your kitchen, bathroom and bedroom:
* Add to your task lighting. Many bathrooms and kitchens have plenty of overhead light, but are often lacking when it comes to task lighting, says David Martin, designer with lighting manufacturer Hubbardton Forge. “At the kitchen sink, for example, you can eliminate shadows by including two sources of light.” The result is a workstation with easier-to-see spaces that alleviate eyestrain.
* Include mood-enhancing lights and dimmers. “Places such as bathrooms and bedrooms - once mostly functional - now serve as an extension of our living spaces,” says Todd Phillips, owner and senior designer with Quoizel Lighting. The lights in those rooms should be both hardworking and mood enhancing. For example, inexpensive, easy-to-install cove lights in the kitchen can provide soft illumination after mealtime and cleanup. Additional lights placed at a bathroom vanity and aimed out toward the face can help brighten grooming tasks and offer awakening morning light. A bonus: Those controls can help accommodate varying levels of natural daylight, too.
* Increase the size of your bedside task light. One of the bigger mistakes Phillips sees in bedrooms is the size of bedside lamps - they're either too small or not adjustable. “The lamp needs to provide light where you need it, and if it's too small it can't do that,” says Phillips. Go for a larger size with increased lumen capacity.
* Install track lighting for flexibility. Stationary overhead lights are fine when you need to flood a space with light, but too often kitchens, bathrooms and bedrooms lack flexible sources of light. A good solution is track lighting. “You can direct one or two of the lights on the track and point them to a wall to add accent light for artwork, and use other lights on the track to create different focal points,” Phillips says.
* Add a light fixture for drama. A side benefit of beautiful, light-providing chandeliers and pendants is that they provide focal points. “New light sources give homeowners some great options,” says Phillips. “You can drop in a chandelier over a bathtub to create drama and get mood and ambience too.”
As a bonus, those fixtures help provide the finishing touch for different colors and accents. “People sometimes put quite a lot of money and effort into their rooms and lighting can help to show them to their best effect,” says Martin.
* Add a ceiling fan with a light source. With the flip of a switch, a ceiling fan with a light kit can improve a room's livability with both comfort and light. It is just one more example of how light works wonders in the home. “Having more lighting options creates a better lifestyle and it enriches our lives in terms of the time we spend in our homes,” says Phillips.
September 19, 2012 6:06 pm
Don’t wait until a natural disaster is upon us to prep your home—your loved ones and possessions will thank you for your forward thinking. When a disaster strikes, being prepared is important not only for those in the path of the storm, but for homeowners everywhere.
"Natural disasters come in different forms, depending on where you live," says Rick Isaacson, Executive Vice President of Servpro Industries, Inc. "For some, tornados pose a threat. For others, it's drenching rain, high winds, flash flooding, lightning strikes, snow and ice, or even out-of-control brush fires. The one thing all of these extraordinary events have in common is that they can strike with little warning and can turn your life upside down."
Isaacson says one important disaster readiness step all families can take is to build a basic emergency supply kit, stocked with necessities to keep each family member (and pet) supplied with water, food and required medications for at least three days. A basic "Readiness Kit" would include:
- Water (one gallon/person per day)
- Three day non-perishable food supply
- Manual can opener
- Battery-operated radio, preferably a NOAA weather radio
- Flashlight and extra batteries
- First aid kit
- Whistle (to signal for help)
- Dust masks or bandanas
- Local maps
- Important documents, such as copies of insurance policies, identification and bank account information
- Matches (in a waterproof container)
"Of course, your family members may not all be at home when disaster strikes," says Isaacson, "so another key component of your readiness planning is to set a place to meet and a plan for contacting each other. Taking the time to prepare and plan now can make all the difference in the first few stressful hours after disaster strikes."
Source: www.ready.gov, www.SERVPRO.com
September 19, 2012 6:06 pm
Tax shelter. A realty investment that produces income-tax deductions for its owner.
September 19, 2012 6:06 pm
A: There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.
The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.
September 18, 2012 6:06 pm
Greeters at your bank may be friendly and personable. If you are in the branch regularly, they may even greet you by name. But make no mistake, notes financial columnist Miranda Marquit, they are in business to make a profit.
“Helping you with your financial goals is not as high on their list as making money off of you,” Marquit says, listing eight things your bank won’t tell you, but that you need to know in order to better manage your money:
When your deposit is available – Some banks limit the amount immediately available to you when you make a deposit. If you plan to deposit and spend right away, ask when your deposited funds will be available.
Post-dating doesn’t mean much - If you postdate a check and the recipient cashes it ahead of time, the bank will likely run it through. If that happens and your account is short of funds, you will be responsible for any fees.
Fees are their big moneymaker – Banks made over $38 billion last year on overdraft fees alone. Making credit card payments and other transactions on time will save you money and leave your bank wanting more.
You can get some fees waived – Many banks will waive one or two fees a year – if you ask! So don’t just fume. If your account is generally solvent, ask your bank once in a while to reverse an overdraft or late fee.
Your online account info may not be accurate – Checking transactions may not always be up to date in your online account. If you are cutting things close, calling the bank to confirm online data may save you a penalty fee.
Bankers are salespeople – The more ‘products’ they can get you to ‘buy,’ the more money they make. Be wary when they pitch you new accounts, loans and services; they may be more in their interest than in yours.
Shop around for services – If you need a home equity line or other financial service, shop around. Don’t assume your bank will offer you the best deal.
Loan decisions are rarely local – Local bank managers rarely have that authority. No matter how good a relationship you think you have with your branch, it’s the system that will approve or deny your loan application.
September 18, 2012 6:06 pm
Regardless of your age, retirement planning should be on your radar. Many young professionals think planning for retirement is something they can do later, but strategizing early is the best thing you can do to ensure a solid savings plan. Whether you’ve been working for two years or twenty, there are things you can do to think ahead.
Retirement planning is constantly changing, making it necessary to have a solid retirement strategy. In the past, many could rely on pension plans and Social Security benefits, but pension plans are increasingly rare and Social Security benefits should not be used as a sole source of retirement.
Many Americans are at risk of running out of money in retirement. According to a recent Employee Benefit Research Institute study (EBRI), nearly 47 percent of early baby boomers (ages 56 to 62) are at risk of outliving their retirement savings. "To develop a sustainable strategy that meets your specific needs, some important considerations would be your age at retirement, life expectancy, living expenses and the rate of return you expect from your investments," notes Tom Thornton, vice president, and regional sales manager covering St. Louis for BMO Harris Financial Advisors, Inc.
Here are a few tips from Thornton on planning for retirement.
Withdrawal Strategy: Knowing how much money should be withdrawn from your retirement savings each year is a critical factor in building a retirement plan. Withdraw too much and you are likely to outlive your assets; take too little and you may unnecessarily sacrifice your standard of living, especially in the early years of retirement.
Asset Allocation: As individuals seek increased income upon entering retirement, they often shift their holdings more toward bonds and cash. This may or may not be a good move, as there are other key investment considerations beyond having a need for income. Confer with your financial advisor to determine the appropriate allocation for your needs, investment objective, risk profile and timeframe.
A Core of Guaranteed Income: In retirement, your focus will need to shift to using your savings to generate income to meet your ongoing expenses. One possible option is to allocate a portion of your savings to an annuity. Annuities are an investment tool that can provide guaranteed income for the rest of your life, no matter how long you live.
Said Thornton: "Whatever your specific plans, it's crucial that you enter retirement with a strategy for turning your savings into a retirement 'paycheck' that will allow you to live retirement on your own terms."
September 18, 2012 6:06 pm
Do you think your kids are just playing games online or innocently chatting with friends on the computer? While you are hopefully correct in your assumptions, you can never be too careful; cyber bullying can happen any time of the day.
Teenagers use cellphones and computers to harass others by sending malicious text messages, uploading embarrassing photos or videos on websites, or taking over someone's social media profile or creating a new one.
Although it takes place in cyberspace, there are several things you can do at home to protect your children from being harassed online. These tips will help you get started.
Prevent Cyber Bullying
You can prevent cyber bullying by knowing what your kids are doing online and establishing certain rules on the use of cellphones and computers. This will help minimize the chances that your teenager will harass someone online or be a victim of cyber bullying.
Stopbullying.gov has several tips to help you protect your kids:
Respond to Cyber Bullying
- Install monitoring software on your kids' devices and tell your children that it's your responsibility as a parent to check their interactions when you consider it appropriate
- Teach your kids to abstain from sharing photos or videos that might cause them problems if other people see them, especially people who are not their friends
- "Follow" your kids on social media or ask another adult to do it on your behalf so you can stay up-to-date on what they are doing or saying
- Tell them it's important that they tell you if they are the victims of cyber bullying so that you can help them
You can start to put an end to cyber bullying by doing the following:
Report Cyber Bullying
- Don't answer cyber bullying messages and ask your kids to share with you all of the messages they've received
- Block the bully on social media and eliminate or block the bully's email address
- Keep all evidence of cyber bullying, including text messages and harassing emails
Threats of violence
- States have laws and policies against bullying, so be sure to contact your school if your child is being harassed online. Schools can take several measures to respond to specific cases.
- Parents can also report bullies to the social media sites as bullies often violate the company's policies and terms and conditions. Parents can also contact the police. Cyber bullying is a crime when messages contain:
- Child pornography or photos with sexually explicit messages
- Images taken from places where the person expected privacy, like a bathroom
Cyber bullying is also a crime when someone is stalking a victim or engaging in activities considered to be a hate crime.