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
November 22, 2011 4:38 pm
The holidays can be joyous, but they can also bring acute pressures that put us in the grip of stress and anxiety. CPP, Inc. (CPP.com), an industry leader in research, training, and organizational development tools including the Myers-Briggs Type Indicator® (MBTI®) assessment, offers some tips to keep the time enjoyable, beginning with what may be one of the most stressful environments of all: the holiday dinner table.
Marvel not that this cherished time with loved ones can be a major stressor. Holiday dinner assembles people of varying personality types whose socializing preferences may differ immensely. However, knowing a bit about your own personality and those around you allows you to remove friction by flexing your own interaction style.
People tend to get their "energy" in two ways. Those with a preference for extraversion tend to focus on the outer world of people and activity, while those with a preference for introversion tend to focus on the inner world of ideas and reflections.
• If you're energized by the outer world, accommodate more reflective friends and family by:
o Practicing active listening skills
o Providing pauses in the conversation for others to join in when they're ready
o Respecting the need for privacy if someone isn't immediately sharing
• If you prefer reflecting on your inner world, try accommodating externally-focused guests by:
o Acknowledging you're listening with cues: nod, smile, maintain eye contact, etc.
o Anticipating "thinking out loud," understanding these thoughts may not be 100% complete
o Focusing on discussing topics you're comfortable with and know well
o Similarly, people prefer to make decisions either by: Thinking – basing them on logic and objective analysis of cause and effect; or Feeling – basing them primarily on values and subjective consideration of how it'll affect people.
• If you favor logic and analysis, accommodate the more values-driven decision-makers by:
o Focusing on the people involved: find out what is valued and important
o Knowing when to provide feedback gently and critique behaviors, not people
o Acknowledging others' feelings and values, not analyzing them
• If you prefer values-based decision-making, flex to your more analysis-driven loved ones by:
o Being honest and frank with your comments, as well as positive
o Not feeling threatened when someone challenges or debates
o Showing the cause-and-effect with pros and cons
For more information on CPP, visit www.cpp.com.
November 22, 2011 4:38 pm
The continuous redesign of electronics and appliances for enhanced portability, functionality and energy efficiency has made many of today's consumer goods increasingly intricate, fragile and costly to repair or replace. At the same time, products are being manufactured with low-cost components and manufacturers are limiting warranty periods along with customer support options.
According to the Service Contract Industry Council (SCIC), as the technology in products rapidly evolves it can prove difficult for manufacturers to keep replacement parts in stock for products utilizing yesterday's technology. Consequently, consumers whose malfunctioning product is outside of the manufacturer's warranty period and who want to repair it to keep it for the long-term may be out of luck. With an extended warranty, however, consumers can find protection; if a malfunctioning product cannot be repaired, it generally is replaced with a comparable newer one.
Consumer Reports (August 2011) stated, "...consumer goods have become more complex and contain more electronics than they did a decade ago... when things do go wrong, they tend to go horribly wrong." The 27,404 subscribers surveyed for the Consumer Reports' story reported that 53,218 of their home products including appliances, electronics and more needed to be repaired or replaced.
"An extended warranty is particularly relevant in uncertain economic times," said Tim Meenan, Executive Director of the SCIC. "When things do go 'horribly wrong,' the consumer is protected by law."
Extended warranty providers are a fixed component of retailing in America because they meet a large market demand, provide an enhanced quality product, and proactively establish and enhance consumer protections—all the while greatly improving the state of the industry through self-regulation.
Why to Buy an Extended Warranty:
A survey of consumers by Brand Keys, Inc. predicts a 10 percent increase in electronic purchases over last year. Of those consumers planning to give an electronic device, 25% are purchasing e-book readers, 19% tablets, 15% smart phones, 9% computers and 6% cameras.
o Consumer electronics are complex, increasingly mobile and expensive to repair
o Cracked screens for both eReaders and tablets can cost from $160-350 to repair/replace
o Battery upgrade/replacement $80-150
o Lines in screen $160-350
o Unit frozen/not able to connect to computer $180-500
**(higher range applies to tablets)
o 30-day free look back period – if you want to change your mind, you can!
o 100% parts and labor coverage for failures caused by:
o Normal wear and tear
o Defects in workmanship and materials
o Mechanical and electrical breakdowns
o Environmental factors
o Power surge protection (great for small businesses)
o Replaces products that require multiple repairs for the same failure.
o 24-hour, toll-free access to pre-qualified technical support and local repair person
o Time savings - no hauling products back to place of purchase, etc.
o Free transferable coverage
o Save the environment. Repair versus dump and replace products.
When Not to buy an Extended Warranty:
o If at all pressured by a sales person to buy on the spot
o If the contract is not available for review at the time of purchase
o If the cost of the warranty is a high percentage of the overall product price; the warranty should cost between 10-20% of the overall retail price
o If you receive an automated phone sales pitch or mass mailer
o Contact your local BBB or state insurance commission with any concerns. Always read terms carefully and research provider prior to purchase.
For more information, visit www.go-scic.com.
November 22, 2011 4:38 pm
Real estate broker. Individual who has passed a state broker’s test and represents others in realty transactions. Anyone having his or her own office must be a broker.
November 21, 2011 6:38 pm
Here are some simple tips, courtesy of Glidden, to help do-it-yourself enthusiasts liven up any indoor space this holiday season.
1. Pick the appropriate lighting for your paint color. The trick is to create a harmonious balance between color and light. Make up for the lack of light by adding in some table lamps, wall sconces, a chandelier or a mirror and watch how it makes the room look so much bigger even if you've painted it charcoal gray.
2. Don't forget about layering texture and pattern. It gives a room personality and stops the room from looking too flat. Silk curtains, a patterned pillow, or even a nice linen wallpaper are all things that can give the room dimension and make the room more interesting.
3. Look for ways to mix and match furniture. Just because the furniture you like is available as a set doesn't mean you have to purchase it that way. Mix it up a bit. Consider going with a white lacquer bookcase and a wood coffee table in your living room or a leather sofa paired with a beautiful upholstered armchair.
November 21, 2011 6:38 pm
Cooler weather means the increased use of furnaces to stay warm and dry. Southern California Gas Co officials say if you haven't already, now is the time to prepare homes for an energy-efficient heating season, and to help keep gas bills low.
"With the cold and wet weather, we're seeing an increase in the use of home heaters, and that translates into higher heating bills," says Bret Lane, vice president of field services for SoCalGas. "To help keep a lid on heating costs while staying warm and dry this winter, we encourage customers to continue to practice conservation and use energy efficiently."
SoCalGas offers these tips for a warm, cozy and energy-efficient winter:
• Focus on the furnace. Home heating accounts for more than half of a typical customer's monthly gas bill;
• When using the home furnace, lower the thermostat three degrees to five degrees (health permitting) and turn it off when not at home. This can help save up to 30 percent on heating costs;
• Check furnace filters every month during the heating season and clean or replace the filter when necessary. When installing a new or cleaned filter, be sure to re-install the front panel door of the furnace properly so it fits snugly;
• Never operate the furnace without the front-panel door properly in place because doing so may create the risk of carbon monoxide poisoning;
• Don't block heating outlets or return registers with furniture or other objects;
• Repair cracks or broken seams in forced-air heating ducts;
• Install or upgrade attic insulation;
• Caulk and weather-strip drafty windows and doors;
• Open the drapes or blinds during the day and let the sun help warm the home. Close drapes or blinds at night to keep the warmth inside;
• Consider adding another blanket or two at night to stay warm; and
• Choose a higher efficiency model when shopping for a new gas furnace.
For more information, visit www.socalgas.com.
November 21, 2011 6:38 pm
As the variety of Christmas tree options continues to grow, consumers are facing the same annual question – should I go real or fake? Or, can a real Christmas tree really fit my budget and lifestyle?
As real Christmas trees arrive at local lots, the Pacific Northwest Christmas Association asked Luisa Santamaria, an assistant professor at Oregon State University's College of Agricultural Sciences, to share her thoughts on these common questions. Here are her top 10 reasons to go "real" this Christmas:
10: Wallet-friendly value. Real Christmas trees are available in a variety of species, shapes and sizes to fit any holiday tradition or budget.
9: Support the U.S. economy. Real Christmas trees are grown by individual Christmas-tree growers and farmers, often with many generations of families working on the same land, and purchases supports U.S. business.
8: Real Christmas trees are recyclable. Trees can be used as mulch along park trails, underwater habitats for fish and compost for gardens.
7: Bring a little bit of nature into the home. Extra tree branches can also be used as decorative greenery.
6: Selecting a fresh tree is easy with the “Smell and Snap” test. Give the branch a gentle crush and smell the needles to check for a clean Christmas tree fragrance. Then, bend a needle between your fingers; if it snaps, similar to a carrot, the tree is fresh.
5: Environmentally friendly. Real Christmas trees are grown on sustainable farms just like produce, nuts and other crops, and they do not threaten natural forests.
4: Easy to care for. With simple, proper care, your perfect tree can stay green and healthy throughout the holidays, minimizing clean up and maximizing the joy of your Christmas season.
3: Fun—and memories—for the whole family. Get everyone involved in the selecting a real tree by assigning fun jobs during the trip and take lots of pictures.
2: Real Christmas trees are truly a renewable product. Growers plant one or more trees to replace every tree they harvest.
1: The smell! You can’t replace the distinctive Christmas tree smell. Reach in to the middle of the tree every few days and gently crush the needles to release its fragrance.
"You just can't duplicate the many positives of a real Christmas tree," says Santamaria. "Above the wonderfully rich smell, real Christmas trees are easy to care for and environmentally friendly, which should give people peace of mind when selecting one for the holiday."
For more information, visit www.nwchristmastrees.org.
November 21, 2011 6:38 pm
Parties, family dinners, and other gatherings where food is served are all part of the holiday cheer. But the merriment can change to misery if food makes you or others ill.
Typical symptoms of foodborne illness are vomiting, diarrhea, and flu-like symptoms, which can start anywhere from hours to days after contaminated food or drinks are consumed.
The symptoms usually are not long-lasting in healthy people—a few hours or a few days—and usually go away without medical treatment. But foodborne illness can be severe and even life-threatening to anyone, especially those most at risk:
• older adults
• infants and young children
• pregnant women
• people with HIV/AIDS, cancer, or any condition that weakens their immune system
• people who take medicines that suppress the immune system; for example, some medicines for rheumatoid arthritis
Combating bacteria, viruses, parasites, and other contaminants in our food supply is a high priority for the Food and Drug Administration. But consumers have a role to play, too, especially when it comes to safe food-handling practices in the home.
"The good news is that practicing four basic food safety measures can help prevent foodborne illness," says Marjorie Davidson, a consumer educator at FDA.
The first rule of safe food preparation in the home is to keep everything clean.
• Wash hands with warm water and soap for 20 seconds before and after handling any food. "For children, this means the time it takes to sing 'Happy Birthday' twice," says Davidson.
• Wash food-contact surfaces (cutting boards, dishes, utensils, countertops) with hot, soapy water after preparing each food item and before going on to the next item.
• Rinse fruits and vegetables thoroughly under cool running water and use a produce brush to remove surface dirt.
• Do not rinse raw meat and poultry before cooking. "Washing these foods makes it more likely for bacteria to spread to areas around the sink and countertops," says Davidson.
Don't give bacteria the opportunity to spread from one food to another (cross-contamination).
• Keep raw eggs, meat, poultry, seafood, and their juices away from foods that won't be cooked. Take this precaution while shopping in the store, when storing in the refrigerator at home, and while preparing meals.
• Consider using one cutting board only for foods that will be cooked (such as raw meat, poultry, and seafood) and another one for those that will not (such as raw fruits and vegetables).
• Keep fruits and vegetables that will be eaten raw separate from other foods such as raw meat, poultry or seafood—and from kitchen utensils used for those products.
• Do not put cooked meat or other food that is ready to eat on an unwashed plate that has held any raw eggs, meat, poultry, seafood, or their juices.
Food is safely cooked when it reaches a high enough internal temperature to kill harmful bacteria.
• "Color is not a reliable indicator of doneness," says Davidson. Use a food thermometer to make sure meat, poultry, and fish are cooked to a safe internal temperature. To check a turkey for safety, insert a food thermometer into the innermost part of the thigh and wing and the thickest part of the breast. The turkey is safe when the temperature reaches 165ºF. If the turkey is stuffed, the temperature of the stuffing should be 165ºF. (Please read on for more pointers on stuffing.)
• Bring sauces, soups, and gravies to a rolling boil when reheating.
• Cook eggs until the yolk and white are firm. When making your own eggnog or other recipe calling for raw eggs, use pasteurized shell eggs, liquid or frozen pasteurized egg products, or powdered egg whites.
• Don't eat uncooked cookie dough, which may contain raw eggs.
Refrigerate foods quickly because harmful bacteria grow rapidly at room temperature.
• Refrigerate leftovers and takeout foods—and any type of food that should be refrigerated—within two hours. That includes pumpkin pie!
• Set your refrigerator at or below 40ºF and the freezer at 0ºF. Check both periodically with an appliance thermometer.
• Never defrost food at room temperature. Food can be defrosted safely in the refrigerator, under cold running water, or in the microwave. Food thawed in cold water or in the microwave should be cooked immediately.
• Allow the correct amount of time to properly thaw food. For example, a 20-pound turkey needs four to five days to thaw completely when thawed in the refrigerator.
• Don't taste food that looks or smells questionable. Davidson says, "A good rule to follow is, when in doubt, throw it out."
• Leftovers should be used within three to four days.
5. Use care with stuffing
In its Holiday Food Safety Success Kit, the Partnership for Food Safety Education recommends:
• Whether it is cooked inside or outside the bird, all stuffing and dressing must be cooked to a minimum temperature of 165ºF. For optimum safety, cooking your stuffing in a casserole dish is recommended.
• Stuffing should be prepared and stuffed into the turkey immediately before it's placed in the oven.
• Mix wet and dry ingredients for the stuffing separately and combine just before using.
• The turkey should be stuffed loosely, about 3/4 cup stuffing per pound of turkey.
• Any extra stuffing should be baked in a greased casserole dish.
For more information, visit www.fda.gov.
November 21, 2011 6:38 pm
Real estate. The land itself and everything extending below and above it, including all things permanently attached, whether by nature or by man.
November 21, 2011 6:38 pm
Q: How can I get a low down payment loan?
A: Such loans are offered by government agencies and private lenders, including nonprofit groups and employers. In fact, there are government programs at both the federal and state level to help cash-strapped buyers. Under many state housing agency guidelines, borrowers must usually be first-time homebuyers or have a limited family income to qualify for low down payment loans.
The Department of Housing and Urban Development (HUD) offers several programs through the Federal Housing Administration (FHA) that require down payments of 3 to 5 percent.
Fannie Mae, the nation’s largest supplier of home mortgage funds, has a popular program for low- and moderate-income homebuyers called Community Home Buyers. Under the program, borrowers may buy with just 3 percent down—with a 2 percent gift from family members, a government program, or nonprofit group—and obtain private mortgage insurance to protect the lender against default. The program is available through participating mortgage lenders and requires that borrowers take a home-buyer education course.
November 18, 2011 4:32 pm
The holidays are upon us, bringing all those personal and family images and sensations we cherish. But for many of us, there are a few not-so-joyous holiday sights (a purse overflowing with credit card receipts) and sounds (the ca-ching! of the cash registers marking our escalating debt). These negatives can easily outweigh all that we love about the holiday season, especially during this less-than-prosperous economic period.
“Overall, the recession has brought about a renewed dedication to saving,” says Eric Tyson, author of Personal Finance for Dummies, 6th Edition. “Before the recession, our national personal savings rate was close to zero, and now it’s around 4 percent. But it is very important that you not let your holiday spending zap all of the saving progress you made during the year.”
“Whether it’s a dedication to the gift-giving tradition, a sense of obligation, or a feeling that the holidays entitle us to have a little more fun than usual, too many of us seem to turn a blind eye to the budget-busting reality of all that spending over just a couple of months,” says Tyson. “Don’t let excessive holiday spending cause any unnecessary financial stress for you and your family.”
What if you could have a wonderful, memorable holiday and avoid the financial hangover afterwards? Tyson provides great tips on how to keep your holiday spending in check.
Find an alternative to gift-giving during the holidays. Many people feel they have to give gifts during the holidays, either because it’s a family tradition or because they know their friends and relatives have gotten gifts for them. There are plenty of great ways to trade in this tradition for another one that is even more meaningful, and chances are your family and friends will be happy to save gift-buying dough as well.
“Instead of exchanging gifts, your family members might want to pool their money and spend it on a holiday outing,” says Tyson. “If you have kids, you’ll probably want to get them a little something, but set strict spending limits. Instead of piling up the toys, let each child choose an outing or event that he or she gets to spend with you one-on-one. Kids will look back on the valuable time you’ve spent together a lot more fondly than they will any toy or video game they use a couple of times and then toss aside.”
If you must buy gifts, cut your expenses elsewhere as necessary. Perhaps you’d rather dine out or go to the movies less, or maybe you can forego that new pair of shoes you’ve been wanting for yourself in order to afford gifts for the grandparents. “It doesn’t matter where you make cuts, just that you make them,” says Tyson. “Keeping your other spending under control while you’re out there doing your shopping can be a challenge, but just keep repeating to yourself the importance of not over-spending. That way when it comes time to actually pass out those presents you’ve purchased, you can do it without grimacing as you think about the damage they did to your bank account.”
Set a budget and keep tabs on what you are spending. While you’re doing your holiday shopping, your new best friends should be your checkbook register, credit card statements, and all of your receipts. It’s easy to get into a spending rhythm when shopping for yourself or others, and that’s why you need to physically write down every purchase you make and make sure you don’t go over your budget. “When you start to add up everything you’re spending, you may be shocked at what all those expenses from this store and that store add up to be,” says Tyson. “And don’t forget about all those ‘necessary’ holiday extras. Most people don’t budget their shopping and don’t realize that by the time you buy all the presents, plus wrapping paper, cards, decorations, etc., it’s added up to a ridiculous amount. Having a budget that you know you must stick to will help keep your impulse spending from getting out of hand and will help you hone in on the most reasonably priced holiday items.”
Plan what you are going to buy, and don’t get any extras! Particularly during the holidays, companies pull out their most appealing packaging in hopes of snagging the eyes of shoppers. That’s why along with your budget, you’re going to want to take an exact list of what you want to buy for your gift recipients. Don’t go shopping for someone’s gift until you know exactly what you are going to buy.
“It’s very easy to go in with no plan, see something you like, and get it simply because you have no idea what else to get for a hard-to-buy-for relative despite the gift’s significant price tag,” says Tyson. “Another temptation that the list will help you squelch is the desire to buy those little knickknacks here and there that you think will make nice small additions to the gifts you’ve purchased. Very rarely are things like this necessary, and if you’ve got your list in hand, it will be easier for you to pass them by without hesitation.”
Use the season to set a good example for your kids. Your kids learn about money from you. And if they see you spending left and right during the holiday season, the lesson they come away with isn’t going to be a good one. During the holidays, it’s very easy for the “gimme gimme gimme” materialistic attitude to get out of control. After all, kids are bombarded with constant advertisements for toys, clothes, and the latest gadgets you can be guaranteed they’ll want (or at least think they do!).
“There’s plenty you can do to help kids appreciate the true meaning of the holidays,” says Tyson. “Have them give some of their money to a local charity, participate in a program in which they buy and wrap gifts for underprivileged kids, or volunteer at a soup kitchen. It can be an eye-opening experience for kids to see that not everyone has enough money to have an enjoyable holiday.”
Watch out for deals that seem too good to be true. Retailers run all sorts of specials to induce consumers to buy now, and the holidays offer these companies easy prey in the form of deal-seeking, cash-strapped consumers. For example, furniture stores frequently offer that if you buy now, you don’t have to pay a thing for a year, and you might even get free delivery. This sort of “push” marketing can make it harder for you to say no.
“This is just one example of how stores coax in shoppers,” says Tyson. “Always remember that free financing for, say, a year is not a huge cost to the dealer, but it is a cost, and if you forgo it, you should be able to negotiate a lower purchase price. Retailers find that buyers are less likely to negotiate the price if they are getting a short-term financing break. Read the fine print on any deal you are considering taking before you go to the store to make the purchase. It can be even harder to say no once you get to the store, so you’ll want to know what you are in for before you get there.”
Leave the plastic at home. Many of us can explain away spending so much on gifts because we simply charge everything and reason that we can pay it off gradually after the holidays. This is a great way to create a never-ending cycle of consumer debt for yourself. It only creates unnecessary financial stress for you after the holidays.
“Use your budget to figure out how you can purchase the gifts you want to purchase without putting them on your credit card,” says Tyson. “If you are so cash-strapped that you think it will be difficult to avoid charging gifts, then you may want to sit down with other friends and family and propose a limit on how much gifts can cost this year—or propose no adult gift exchanges at all. Far from being disappointed, it’s likely they’ll view this reprieve from gift-buying as a gift in its own right.”
Invest in your kids’ financial futures. It may not seem as exciting to your kids as a new iPod, but a contribution to their financial well-being will be appreciated long after such expensive “toys” are obsolete. “Have the grandparents contribute to a college tuition fund or savings account rather than buy them more stuff they don’t need,” suggests Tyson. “Or make one of your gifts to your kids a stock fund portfolio that can start accruing now. Also, make them aware of the budgets and tools you are using to keep your spending in check. The holidays are a great time for them to truly learn that money doesn’t grow on trees.”
Give the gift of time to your kids. Often, parents buy gifts for their kids with the best of intentions. Either you don’t want to deprive them of the toys and gadgets all of their friends have, or you want to give them the things you didn’t have as a kid.
“Both of these tendencies are perfectly understandable, but I’ve found that parents who buy too much for their kids often have difficulty changing the habit,” says Tyson. “The holiday season offers great opportunities for you to show your kids how much you love and care for them. For example, you can make time with them each week to watch a holiday film or TV show, go on a walk to see your neighbors’ holiday lights and decorations, or emphasize that giving back message again and take them caroling at a local retirement home. All of these activities cost next to nothing, and they will be fun for the kids and for you!”
Remember that meaningful gifts don’t necessarily have a big price tag. “Sure, it might be nice to give your mom a brand new TV, but there are other things out there that will be even more meaningful and enjoyable for her—like a photo album with candid shots of the grandkids or something they’ve made for her themselves,” says Tyson. “If you are looking to give a gift that truly means something and that will keep its value for years to come, you are better off looking for nonmaterial gifts to give than for something your gift recipients could get themselves at the local big box store.”
“Money can easily become the focus of the holidays when it should be the last thing you are thinking about,” says Tyson. “By keeping your spending under control, you can have a great holiday and avoid the sick feeling in the pit of your stomach that occurs when you start getting those credit card bills in the mail. If you prepare properly, you can achieve a happy balance of spending and saving during the holiday season. That’s a great gift in and of itself, for both you and the people you love.”
To learn more, visit www.erictyson.com.