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Perkasie, PA 18944
Phone: 215-453-7883
Office Phone: 215-453-7653
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Tom's Blog

America's Debt Report: Consumer News and Notes

February 1, 2012 5:34 pm

Despite lower unemployment rates and strengthening economic indicators, debt continues to be a pressing consumer issue with individual overall debt holding relatively steady amongst those seeking debt advice at an average of $15,227.

Consumer money resource recently released its 2011 America’s “Debt Report,” which showed that overall debt ranks highest amongst West Coast consumers, with an average of $19,900. Credit card debt remains the most frequent type of consumer debt, and student loans rose by 4.5 percent to become the second most frequent type of debt. Three of the top four collection accounts are for telephone companies (Sprint, ATT, and T-Mobile), and despite discount brand status, non-bank credit cards issued by Walmart, Target, Sears and others registered high average balances.

“Consumers continue to be squeezed financially, but they are being practical and focused when it comes to deleveraging, which has become the buzzword and financial strategy of 2011,” said Brad Stroh, CEO and co-founder of “Those consumers forced into late payments are choosing low dollar bills with delayed penalties, while those in more severe debt are searching for the best debt relief strategy for their unique situation.”

Nationally, the average credit card debt is $5,500, and users hold an average of 2.5 credit card accounts. West Coast consumers hold highest credit card debt at $7,100, and banks are the top five credit card issuers amongst users.


Weight Loss Advice: Skip Calorie Counting & Burn Fat Instead

February 1, 2012 5:34 pm

In 2010, more than 25 percent of Americans had pre-diabetes and another 1.9 million got a diabetes diagnosis, according to the U.S. Department of Health and Human Services. The single most effective way for people to avoid the disease? Losing weight.

This means that for some, losing weight has become a matter of life or death.

“The current obesity epidemic proves that the typical low-fat diet recommendations and low-calorie diets have not worked,” says Don Ochs, inventor of Mobanu Integrated Weight Loss Solution, a physician-recommended system that tailors diet and exercise to an individual’s fat-burning chemistry. “America is eating less fat per capita than we did 30 years ago, yet obesity, diabetes and heart disease are all up.”

To drop the weight and keep it off, people need to get rid of their stored fat by eating fewer processed carbohydrates and the correct amount of protein, and by doing both high and low- intensity exercises, Ochs says.

Here are some of his suggestions for getting started:
• Eat what your ancestors ate – if it wasn’t available 10,000 years ago, you don’t need it now. Our bodies haven’t had time to adapt to the huge increase in processed carbohydrates over the past 100 years. These refined carbs kick up our blood sugar levels, which triggers insulin production, which results in fat storage. Avoid candy and soft drinks, but also stay away from sneaky, sugary condiments like ketchup; dried fruits, which have more concentrated sugar than their hydrated counterparts, and anything with high fructose corn syrup.
• Eat the right kind of fat – it’s good for you! Bad fats include trans fats and partially hydrogenated oils. Look for these on labels. Trim excess fat from meats and stick with mono- and poly-unsaturated fats. Use olive oil for cooking, as salad dressing or on vegetables. Eat avocados, whole olives, nuts and seeds.
• Eat the proper amount of lean protein to maintain muscle mass and increase your metabolism. Eggs, legumes, meat and dairy in the right amounts are good protein sources. Remember, most of these contain fat, so it shouldn’t be necessary to add more. Use the minimum amount needed to satisfy your taste buds.
• Vary your workouts to speed up fat loss. Both high-intensity and low-intensity exercises play a role in maximum fat loss. Low-intensity exercise, like walking, is effective for reducing insulin resistance so you store less fat. Alternate walking with high-intensity interval training to build lean muscle mass and increase your metabolism. Interval training can be cardio blasts such as running up stairs on some days and lifting weights on others. This type of exercise forces your body to burn up its glycogen – a readily accessible fuel for your muscles—faster than an equivalent amount of cardio exercise. When you’re done, your body will replenish that fuel by converting stored fat back into glycogen and you’ll lose weight.

“Healthy weight loss isn't about picking a popular diet and trying to stick to it,” Ochs says. “It's about discovering the right diet for your unique body. For each person, the optimal amount of carbohydrates, proteins and exercise to burn the most stored body fat will be different. And that’s why one-size-fits-all diets just don’t work.”

Donald Ochs is a Colorado entrepreneur, the president and CEO of Ochs Development Co. and M4 Group, an inventor and sports enthusiast.

Word of the Day

February 1, 2012 5:34 pm

Valid contract. One that meets all requirements of law, is binding upon its parties, and is enforceable in a court of law.

Question of the Day

February 1, 2012 5:34 pm

Q: Is it possible to save on closing costs?

A: Certainly, once you get pass the sticker shock. Closing costs are expensive. They can average between 2 to 3 percent of the total home purchase price. But here are a few ways to save:
• Haggle with the seller. He may pay all or part of the closing costs.
• Nab a no-point loan. You may have to pay a higher interest rate, but if you are strapped for cash and can qualify for a higher interest rate, you may find this type of loan can significantly reduce your closing costs.
• Grab a no-fee loan. Although the fee is usually wrapped into a higher rate loan, it does offer one advantage – you get to save on the amount of cash you would need up-front.
• Secure seller financing. These loans typically avoid the traditional fees or charges imposed by lenders.
• Shop ‘til you drop for the best deal. Every lender has its own unique fee structure; you are bound to find one that works for you.

Home Know-How: Understanding Condensation

January 31, 2012 5:28 pm

What do houseplants, a boiling pot of pasta and your shower all have in common? They all add moisture to your home's interior. And, while some humidity in the home is good, excessive moisture can be uncomfortable.

"We often get calls from homeowners who are concerned that their windows are 'sweating' or leaking either inside or outside the home because they see moisture on the glass," says Gary Pember, vice president of marketing at Simonton Windows®. "In reality, that's simply not the case. While condensation may collect on the interior or exterior of energy-efficient windows, the units are really doing their job by helping serve as a barrier in the home."

Pember points out that windows do not cause condensation—they simply prevent the moisture in the home from escaping to the outside. "If the inside glass surface on double- or triple-glazed windows show excessive moisture, you can be reasonably sure that the moisture is also collecting on your walls and ceilings," says Pember. "This means you should take steps to reduce the humidity level in your home by using exhaust fans and dehumidifiers."

What Can a Homeowner Do to Help Reduce Condensation?
Water vapor is part of our lives and our homes. To help control the amount of condensation in the home, try the following tips:

• Use kitchen and bathroom exhaust fans.
• If you have a humidifier, set it to the correct outside temperature.
• If your home is overly humid, or if you have a damp basement, use a dehumidifier.
• Properly vent clothes dryers, gas appliances and stoves.
• Open a window in the bathroom.
• Make sure your attic, basement and crawl spaces are well ventilated and free from obstructions.
• Open curtains and blinds to allow more air circulation around your windows.


Gardeners Get a Jump on Spring

January 31, 2012 5:28 pm

Now that winter’s darkest days are (hopefully) behind us, spring is closer than you think. Get a head start on spring gardening and begin planning now for an easier and more rewarding gardening season. The following tips can help jumpstart your season.
• Scout your yard for shrubs than may have been damaged by snow, ice or wind. Prune broken branches cleanly, back to the next healthy joint or bud.
• Growing flowers from seed? Remember that some plants need a big head start. Petunias, impatiens, verbena and snapdragons, should be planted indoors under lights, 10-12 weeks before the last spring frost.
• Check houseplants for spider mites, aphids and scale. Give troubled plants a healthy boost with a cool shower, some fresh potting soil and a dose of liquid fertilizer.
• Packets of flower or vegetable seeds make a nice gift for Valentine’s Day. Just slip them in with your card and a potted primrose or bouquet of tulips.
• Mustard, ragweed, henbit and many other pesky weeds start growing with the first hint of spring. Keep them from sprouting by applying a weed preventer two weeks before the ground begins to warm up.
• Consider adding raspberries, blueberries, currants or other small fruits to your landscape. For the best selection, order dormant plants by mail. All should be planted in earliest spring as soon as the soil can be worked.
• Grow your own micro-greens. Plant leftover broccoli, radish or basil seeds in a pot and grow on a sunny windowsill. Snip young plants with scissors for a pretty garnish or a spicy addition to a salad.
• Take cuttings of geraniums, coleus, rosemary and other tender plants that you have overwintered indoors. Root them in water or in moist potting mix.
• Most perennials benefit from being divided every few years. The best time to do this is earliest spring just as new growth appears. Think about the plants that are most in need of dividing and make a list of them so this task doesn’t get forgotten in the rush of spring.


4 Super Bowl Party Tips

January 31, 2012 5:28 pm

Decoration Details
Don’t go overboard for Super Bowl decorations; most people will be more interested in the TV screen than your carefully crafted table centerpiece. One easy way is to choose serving platters, dishes and table cloths in the colors of the competing teams. Take it a step further by choosing a few food items that display the team shades, which are the same this year! Blue and red frosted cupcakes are a fun way to show spirit.

Pre-Gaming Matters
Before kick-off, have your own football game in the backyard. This big game pre-game method is a terrific way to amp competition, and it assures everyone will be tired—and hungry—come game-time.

Food Fun
A buffet is the way to go for a Super Bowl party; a formal sit-down meal just isn’t conducive to the laid-back atmosphere of game day. Plus, leaving the food out is a great way for people to snack throughout the afternoon. Keep food fun and easy to eat Sandwiches, salads, wings, chili, dips and crudités are traditional choices.

Create a Safe Space
Often there are a handful of non-sports fans at every Super Bowl party who are just there for the company. Set up a space in another room for them to hang out and catch up if they don’t want to watch the game. This will also benefit hardcore football fans who don’t want their game interrupted by chatter. This goes for kids too; if young children will be around, set up a coloring and game station in another room—but be sure to have an adult supervising at all times!

Word of the Day

January 31, 2012 5:28 pm

Usury. Charging a higher rate of interest on a loan than is legally allowed.

Flu Facts: Stop It before It Starts

January 31, 2012 5:28 pm

Flu season is no joke. According to the Center for Disease Control and Prevention, this cyclical virus affects as much as 20 percent of the U.S. population each year.

So my attention was drawn to advice from cleaning experts at The Maids, who remind homeowners that while they may already be armed with an array of physical preventatives—from flu-shots to Emergen-C, neti-pots and home remedies—they may not be doing everything it takes to stop the flu from spreading.

The Maids make it a policy to clean for health year-round, and recommend the following tips to stop the flu from invading your home:
• Wash your hands regularly in warm soapy water. For quick clean-up, use antibacterial hand sanitizer. Make an effort not to touch your mouth or nose without first washing your hands.
• Wear rubber gloves when cleaning household items to protect yourself.
• Spray disinfecting spray on a cloth, or use antibacterial wipes on toys, doorknobs, appliance handles, keyboards, remote controls, light switches, phones and facial tissue box covers. Viruses can live up to 48 hours on hard surfaces.
• Wash items like towels and bedding in hot water with soap if someone has been sick in the home. Be sure not to share these items until they are thoroughly cleaned.
• Change vacuum bags monthly, or even more frequently.
• Boil toothbrushes for one minute in water and vinegar, run through a dishwasher cycle or purchase new brushes.
• Wash mop heads in a solution of ¼ cup bleach and one gallon water, dry thoroughly, then store. Not only will mop heads pick up germs and dirt, but they also can also grow mold and mildew if they don’t dry out completely.
• Disinfect the bathroom and kitchen, especially the faucet and toilet handles, daily. The kitchen and bathroom are the most used rooms in the home and possibly the most contaminated.

Here's to a flu-free winter for all!

Make Home Safety a Top Priority

January 30, 2012 7:20 pm

In December, I declared 2012 would be the 'Year of the Rehab.' But it is also important to remember that whether you're engaging in a major construction project, changing a light bulb, or warming up a hot cup of soup, keeping safe at home should be your ultimate goal 24/7.

That brings us to a new reminder from the National Fire Protection Association ( and the Phoenix Society for Burn Survivors Those agencies are partnering up and urging the public to be cautious when handling hot liquids and soups.

According to a study released by the Journal of Burn Care & Research, prepackaged microwavable soups, especially noodle soups, are a frequent cause of scald burn injuries. And scalding is the second leading cause of burn injuries in children, older adults and people with disabilities.

To help prevent scald injuries, the NFPA and Phoenix Society offer these safety tips:

• Teach children that hot things can burn.
• Test the water at the faucet. It should be less than 100 degrees Fahrenheit (49 degrees Celsius).
• Always supervise a child in or near a bathtub. Before placing a child in the bath or getting in the bath yourself, test the water. Test the water by moving your hand, wrist and forearm through the water. The water should feel warm, not hot, to the touch.
• Place hot liquids and food in the center of a table or toward the back of a counter.
• Have a “kid-free zone” of at least 3 feet (1 meter) around the stove and areas where hot food or drink is prepared or carried. Never hold a child while you are cooking, drinking a hot liquid, or carrying hot foods or liquids.
• Allow microwaved food to cool before eating and open it slowly, away from the face.
• Choose prepackaged soups whose containers have a wide base or, to avoid the possibility of a spill, pour the soup into a traditional bowl after heating.
• Treat a burn right away. Cool the burn with cool water for 3-5 minutes. Cover with a clean, dry cloth. Get medical help if needed.

For more tips view the NFPA’s scald prevention tip sheet at

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