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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

Word of the Day

February 16, 2012 6:26 pm

Amortize. Pay a debt in monthly or other periodic installments until the total amount, along with the interest, if any, is paid.

Question of the Day

February 16, 2012 6:26 pm

Q: What guidelines should I use to find a contractor?

A: Use caution. Your home is your most valuable financial asset. You will want someone who completes the job, not botch it up. It is important that you find a competent and reliable contractor who will successfully complete your home improvement project.

Here’s what you can do:

- Avoid the Yellow Pages. Check with family, friends, neighbors and co-workers for recommendations.
- Contact local trade organizations, such as the local Builder Association or Remodelers Council, for the names of members in your area.
- Deal only with licensed contractors. The state licensing board and local Better Business Bureau also can tell you if there are any outstanding complaints against the license holder.
- Interview each contractor, request free estimates, if possible, and ask for recent references. Make sure bids are based on similar project specifications. And do not automatically settle for the lowest bid.
- Ask for proof of worker's compensation insurance and get policy and insurance company phone numbers so you can verify the information. If the contractor is not covered, you could be liable for any work-related injury that takes place during the project. Also check to make sure the contractor has an umbrella general liability policy.

Indoor Air Pollution: How Clean Is Your Carpet?

February 15, 2012 6:22 pm

With medical costs on the rise, Americans are more concerned about healthy living than ever. Yet, an invisible threat exists; it's called indoor air pollution. The associated health risks have been among the most overlooked of problems in modern society. "Your carpet probably contains about 200,000 bacteria per square inch, making it 4,000 times dirtier than your toilet seat." -Phillip Tierno, Director of Clinical Microbiology and Immunology, NYU [Men's Health].

Numerous government and private health institutions have discussed the direct correlation of indoor air pollutants and bacteria with a host of serious allergies, skin irritations, and respiratory illnesses. Setting higher EPA standards for indoor air quality has been a long overdue discussion, and the spotlight is now on a highly unregulated carpet and rug cleaning industry. Up until now, organizations such as the Carpet and Rug Institute have educated the public with guidelines on how to choose the right carpets, rugs, and cleaning products, while others simply hand out seals of approval alongside membership. The real challenge lies in industry-wide education, followed by industry-wide collaboration to mitigate public health risks.

The EPA has supplied the public with information on "Residential Asthma Triggers and Indoor Air Quality," but it does not address any preventative measures or sanitary recommendations for household area rugs. According to the government, vacuuming a wall to wall carpet and 'keeping it clean' is about the extent of their solution.

Most area rug cleaners advertise the new EPA guidelines which mention hidden health hazards due to dust, dust mites, and indoor allergens. Many encourage consumers to wash their rugs and solicit for business, but will often disregard the cleaning practices required to ensure these guidelines are met. Given all the latest organic and green cleaning price gimmicks, the question becomes: how does an average mother go about choosing a reliable cleaning service? How would one know if an elderly parent with asthma isn't being affected by the same rug after it was cleaned?

One of the biggest obstacles consumers face is that the market has been saturated with wall to wall carpet cleaners perpetuating the myth that topical steam cleaning, spot cleaning or chemical dry cleaning is adequate for an area rug.

Good Morning America had recently published an article titled "The Indoor Pollution Threat You May Not Have Known Existed," which provides a few good tips. However, most literature still fails to provide a comprehensive to do list for homeowners. Many homes have area rugs likely in need of attention, and homeowners aren't always to blame.

In a world rapidly changing for the greener, the biggest hurdle for cleaners is the capital investment required to keep up with technology that protects consumers. Unfortunately, many are falling short of the mark. Some carpet cleaning outfits will outsource to professional rug cleaners, and it will often take a bit of interrogation for a consumer to find out they're not the actual company cleaning your rug.

According to RevitaRUGS, common rug cleaning machinery has no discretion for rug pile, type or material. Many cleaning machines are near obsolete, as they are not equipped to adjust for pile height, thickness and material for different rug types. Wool, silk, hand-made, and machine made rugs all require different methods of cleaning and care.

The excessive use of soap and unfiltered water eventually causes buildup of organic and inorganic matter in the rug's foundation. This buildup leads to irreversible damage and becomes an attractant for further dust and dirt, defeating the purpose of cleaning.

Needless to say, a customer should not expect a clean bill of health. With respect to hand-made heirlooms, or expensive Oriental and Persian rugs, when exposing the rug fibers to this damaging process it will degrade the material and depreciate the value.

Amidst hundreds of green cleaning claims with no unified government standard for area rug cleaning industry regulations, choosing a service wisely is an arduous task. Basically, anyone with access to soap, water, and a floor scrubber, polisher, or multi-task machine can claim to clean an area rug properly.

Consumers should be looking for businesses that deep clean, disinfect, and systematically remove dust particles, in addition to using mild soaps and pure water to effectively reduce allergens and improve indoor air quality.

Source: RevitaRUGS,


Passion for Pools Goes Far beyond Swimming

February 15, 2012 6:22 pm

Owning a pool has always been considered one of the top home luxuries, and the dream of owning a backyard pool or spa is still high on the list of home amenities for U.S. homeowners. But, when they envision an oasis of cool, refreshing blue-green water, swimming is not their goal. That's because today's desire for pools and spas goes far beyond working on strokes and flip turns.

According to Clive Ensher, president of the Northeast Spa and Pool Association, the term 'swimming pool' is actually a misnomer these days. "Swimming is pretty far down the list when people talk about why they want a pool or spa," he notes.

"Today, people associate pools with fun, family togetherness, luxury, parties, freedom, relaxation and other lifestyle benefits."

The attitude change coincides with the evolution of pool and spa design. No longer restricted to the oval, rectangular and kidney shapes of years past, today's pools can fit virtually any space, budget or lifestyle--from tiny, shovel-excavated "cocktail" pools behind urban row homes, to mini-pools and spas for soaking and socializing, to expansive pools on lavish estates.

As limits on size and shape have diminished, a view of pools as value-added home improvements is gaining steam. According to Steve Gorlin of Gorlin Pools and Spas in Toms River, N.J., "Today's homeowners are investing in their outdoor spaces as a way to increase home value and maximize the enjoyment of the home environment. The pool is a starting point for so many other amenities, including bars, outdoor kitchens, beautifully paved patios and decks, landscaping and more. Many homeowners extend the aesthetic by adding LED lighting, waterfalls and underwater sound systems to the pool design."

While not always the primary reason for a pool or spa purchase, the health and fitness benefits of water are not lost on consumers. Those who enjoy the endorphin-producing, body-toning, cardio benefits of lap swimming can achieve their goals in a full-size pool, lap pool or small pool with a swim stream. The simple practice of soaking in a hot tub or heated pool can have a positive effect on sleep patterns, arthritis relief, blood pressure, circulation and pain control. Research studies also indicate that hydrotherapy is helpful in managing diabetes, cancer and other diseases.


Danger on Tap? Good Housekeeping Reports on the Unregulated Chemicals That May Be in Your Water

February 15, 2012 6:22 pm

Hormones, drugs, chemicals found in gasoline and pesticides are among hundreds of contaminants that could be flowing from your faucet. And they are not on the government's list of contaminants to regulate, so they won't appear on your water report. Even at low levels, no one knows how dangerous these chemicals might be when mixed together or consumed over a lifetime. But there are already troubling signs: male fish exposed to common hormones that lose their ability to reproduce and, possibly, higher rates of prostate cancer in countries with higher use of birth control pills (where the chemicals possibly leak into ground water).

To help consumers take their safety into their own hands, Good Housekeeping partnered with the Arizona Laboratory for Emerging Contaminants at the University of Arizona, one of the world's leading labs for study of unregulated chemicals. Together with the Good Housekeeping Research Institute, the lab performed extensive testing to see whether everyday filters found in water pitchers and refrigerators can remove these chemicals.

Good Housekeeping also reported on risks from chemicals that are regulated— which can and do slip through cracks in the system. In 2010, for example, 10 percent of all community water systems, serving more than 23 million people, sold water to consumers that violated at least one health-based standard of the Environmental Protection Agency.

To test the filters, the Arizona laboratory spiked Tucson, AZ, municipal water with 15 contaminants of concern that have all been found in drinking water. Then, to simulate the weeks or months of use that pitcher and fridge filters would get in a real home, the researchers passed gallons and gallons of contaminated water through each device until it reached the manufacturer's estimated filter lifetime.
The results showed that refrigerator filters worked best, and some pitcher-style filters worked to some degree. The bottom line is that consumers should take responsibility for their drinking water. If you’re curious about what’s in your tap, consider purchasing a contaminant-detection kit. To make sure you and your family are drinking clean water, equip your home with a water-filtration system, which can range from $15 to $50.

To view the full report, as well as Good Housekeeping’s review of several different contaminant-detection kits and home water-filtration systems, click here.


3 Ways to Reduce the Risk of Teen Car Accidents

February 15, 2012 6:22 pm

Teenage drivers are four times more likely than an adult driver to get into a car accident according to the Centers for Disease Control. The elevated risk comes in wake of a young driver's inexperience coupled with the natural tendency to want to test or break the rules. Now parents can take a proactive approach to improving their teen's driving by considering these 3 tips for reducing car accident risk.

Sign a parent-teen contract together
Parents and teens who have common ground can often work together to promote safety behind the wheel. To avoid car accidents, parents and teens are encouraged to download the free parent-teen driving contract below before your teen hits the road.

Install technology that reveals your teen's driving habits
GPS-enabled tracking systems can be a parent's best friend when it comes to their teen's driving behavior—especially if their teen is allowed to drive without supervision. There are several available products available for purchase that allow parents to instantly locate the vehicle, keep track of speeding, set up acceptable routes for travel, and receive notifications upon a teen's departure and arrival. A simple Google search will render many GPS units made especially for teen drivers.

Disable their cell phones while driving
Many cell phone companies offer parents the opportunity to disable their teen's cell phone when driving. Special technology disables the phone when moving is sensed. Check with your cell phone service for available options.

Source: San Diego personal injury attorneys,

Word of the Day

February 15, 2012 6:22 pm

Air rights. Right to occupy and use the open space above a parcel of land or property, such as in the leasing of air space over existing buildings or highways.

Question of the Day

February 15, 2012 6:22 pm

Q: How much, on average, can I expect to spend on home maintenance?

A: Expect to spend one percent of the purchase price of your home every year to handle a myriad of tasks, including painting, tree trimming, repairing gutters, caulking windows, and routine system repairs and maintenance.

An older home will usually require more maintenance, although a lot will depend on how well it has been maintained over the years.

Tell yourself that the upkeep of your home is mandatory, and budget accordingly. Otherwise, your home’s value will suffer if you allow it to fall into a state of disrepair. Remember, there is usually a direct link between a property’s condition and its market value: The better its condition, the more a buyer will likely pay for it down the road.

Also, adopt the attitude that the cost of good home maintenance is usually minor compared to what it will cost to remedy a situation that you allowed to get out of hand. For example, unclogging and sealing gutters may cost a few hundred dollars. But repairing damage to a corner of your home where gutters have leaked can potentially cost several thousands dollars.

Will Mortgage Settlement Be too Late for Many American Homeowners?

February 14, 2012 6:20 pm

The entire media circuit was abuzz early this week with news of the mortgage settlement deal between state attorneys general and five major banks. The settlement, valued at $26 million, aims to provide financial relief to one million struggling homeowners.

What has not been mentioned this week is how to help the thousands of Americans that are facing the threat of foreclosure right now.

"While the proposed deal may provide some measure of redress to borrowers who have lost their homes, it will not be returning their homes to them," says The Mortgage Law Group attorney, Kelly Sibert. "Nor does the deal serve to address the threat of foreclosure that millions of Americans in default currently face."

The deal will be carried out over a three-year period, but for those in need of immediate assistance, that will be too late, the group stated. The Mortgage Law Group strongly encourages anyone struggling with a mortgage to address their problem promptly in order to yield the best results.

"We hope that the nation's mortgage lenders will begin moving more aggressively toward putting homeowners into mortgages they can afford," Sibert concludes. "This would have a substantial effect of helping to stem the current mortgage crisis."


Top 3 Tips to Protect Yourself from Mobile Malware

February 14, 2012 6:20 pm

Mobile malware is becoming a bigger problem every day. Especially now, considering some Americans use their phones more than their computers. Putting a stop to mobile malware isn't that easy.

What is malware? It's essentially viruses or programs that can wreak havoc on your phone. Malware can cause lags and system errors, and can introduce worms and trojans to your system. In short: you don't want malware on your phone.

Here are some simple tips and tricks to help you fight malware problems.

Malware Tip No. 1: Check app reviews before you download.
If you're an Android user, you should be cautious. There seems to be a growing number of malware targeted toward Android devices. That means you should be wary about downloading or installing applications that you've never heard of, or that don't have good reviews. See what other customers are saying about the app before you download. It can help you avoid a virus.

Also try to avoid clicking on suspicious links when browsing the web.

Malware Tip No. 2: Disable Bluetooth when you're not using it.
Be careful if you use Bluetooth on your phone. If you're walking around with Bluetooth enabled, your phone could be ripe for a hacker to swoop in. In some cases, individuals can find all the information on their phone stolen due to an open Bluetooth connection. So it may be prudent to simply remember to turn your Bluetooth off when you're not using it.

Malware Tip No. 3: Update your phone's OS.

Sometimes updating your phone's OS can help you combat malware. This is because developers are often trying to upgrade features with new releases. They are also probably trying to work on fixing any security loopholes.

Knowing that mobile malware exists is an essential first step. The next step is to take preventative measures to stop mobile malware from infiltrating your phone. With these steps in mind, hopefully your phone will remain virus-free.


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Tom Skiffington - RE/MAX 440 - PERKASIE

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