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
October 21, 2011 5:20 pm
Maturity date. Date on which principal and interest on a mortgage or other loan must be paid in full.
October 21, 2011 5:20 pm
Q: What are the advantages of owning a home?
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.
October 20, 2011 5:14 pm
Outright damage to your house is just one of the consequences of neglected maintenance. But take it from me, without regular upkeep, overall property values are affected, too!
According to Mack Strickland, a professional appraiser and real estate agent in Chester, VA, if a house is in worn condition and shows a lack of preventative maintenance, the property could easily lose 10% of its appraised value—that could translate into a $15,000 or $20,000 adjustment.
In addition, a house with chipped, fading paint, sagging gutters, and worn carpeting faces an uphill battle when it comes time to sell. Not only is it at a disadvantage in comparison with other similar homes that might be for sale in the neighborhood, Strickland says a shaggy appearance is bound to turn off prospective buyers and depress the selling price.
A study by researchers at the University of Connecticut and Syracuse University suggests that maintenance actually increases the value of a house by about 1% each year. That means getting off the couch and heading outside with a caulking gun is more than a chore—it’s actually making you money.
Heading into fall and winter, the folks at First Weber of Wisconsin (firstweber.com) suggest these fall maintenance ideas to perk up your property in a jiffy:
1. Chimney cleaning - Before you have a fire in the fireplace, it is a good idea to have your chimney looked at each year.
2. Check windows and doors - Re-caulk as needed and add new weatherstripping around doors if needed to keep the cold air out.
3. Lawn and landscape - Fall is a great time to seed grass because the temperatures are moderate. Now is also a good time to trim bushes so that they will look great in spring.
4. Keep your gutters clean - In Wisconsin, and in many regions of the country, you never know when the first snowfall will come. Make sure you clean your gutters regularly so that rain and melting snow can drain.
5. Prune - Take a walk around your house and look for any branches that may be growing a bit too close to the house. Consider pruning these branches before mother nature has the opportunity to do it for you.
6. Patios and decks - Re-stain or power wash. Also, begin storing outdoor living items like patio table umbrellas, seat cushions and flower pots.
7. Change your furnace filter - to boost efficiency.
8. Smoke Alarms - Check these throughout your house to make sure the batteries still work.
9. Store the mower and test the snow blower to make sure it works before you really need it.
October 20, 2011 5:14 pm
Nearly everyone gets nervous at the thought of being “in the hot seat,”—and interviewing for a job certainly falls into that category.
“Selling yourself on command is tough, especially when you have to do it in a short time period,” says Monster job board advisor Margot Lester. “Preparing in advance and practicing your responses is not only wise, it’s necessary.”
Lester, and other job coaches and resume writers, offer job seekers these proven interview strategies:
• Research the company – Before you go on that interview, know all you can about the company’s mission, work, and culture. The more you know about what they do and how they do it, the more accurately you can focus on why you want to work for that company.
• Know how you can contribute – Once you know the company’s mission, focus in on the skills that would make you a good fit. Are you good at working under deadline pressure? Do you have excellent inter-personal skills? Can you speak another language that might be helpful to this company? Be prepared with brief and specific examples of how these skills helped you in former employment positions.
• Practice in advance – Before you go on the interview, practice verbalizing some answers out loud at home. Vary your tone of voice, and practice your smile as well as small gestures that help you make a point.
• Be on time – Be five to ten minutes early. Practice the drive in advance if you are not sure of the route or how traffic will affect your drive time.
• Present yourself well – Make sure your clothing is neat and appropriate to the position you want. Take along a copy of your resume, even if you have sent one in advance, and a portfolio of work samples, awards or commendations. Also, take along a pen and paper for any notes you may need to take home.
• Stay calm – Maintain eye contact with the interviewer. Listen to the whole question before you answer. Don’t blurt. Take a few seconds to consider your answer before you begin.
• Follow up with a letter – send or email each of your interviewers with a brief thank-you note repeating your interest in the position and including any follow-up information that might have been requested or suggested.
October 20, 2011 5:14 pm
Family meals lead to healthier, more successful children, but finding time to eat together can be a balancing act for many families. Last week, 15 registered dietitians and parenting bloggers from the United States, Canada and New Zealand shared their tips, tricks and motivations for making time to have balanced meals with their families during the Balancing Act Blog Carnival, part of the Eat Better, Eat Together family meal campaign and blog series from Dairy Council of California. Here are the top 10 big ideas they shared, from their families to yours.
1. Planning family meals ahead of time is essential; develop systems that make the purchasing, preparing and partaking easier.
2. Keep it simple. Family meals don't have to be elaborate to be healthy and effective. Come up with easy ways to balance your meals with simple vegetable side dishes or fruit and yogurt desserts.
3. Have healthy food on hand and eat from your freezer or pantry on busy weeknights. Prepare double batches of food when you're less rushed so you can cook once, eat twice.
4. The family meal does not have to be dinner; breakfast or lunch may work better in some households.
5. Toughen up. Prepare one meal for the whole family to enjoy. Include all five food groups and everyone should be able to find something they'll want to eat.
6. Turn off technology and tune into each other. Make conversation the focus of family meals, but keep it light. The dinner table is not the place for discipline.
7. Share the work. Enlist help from the family to plan shopping lists, make lunches, set the table, pour the milk and clean up.
8. Eating as a family is truly comforting for toddlers, teens and adults. Family meals can become a cherished tradition for the whole family.
9. Dump the guilt. Family meals may not happen every day, and that's OK. Make the most of your family meals when they occur.
For more information, visit www.MealsMatter.org
October 20, 2011 5:14 pm
Wouldn’t it be cool to have Twilight vampire eyes for Halloween? Or deep violet eyes to match your purple sweater? How about your favorite sports team’s logo on your eyes just for fun?
You can have all of these looks with decorative contact lenses (also called fashion contact lenses or color contact lenses, among other names). These lenses don’t correct vision—they just change the appearance of the eye.
But before buying decorative lenses, here’s what you should know:
• They are not cosmetics or over-the-counter merchandise. They are medical devices regulated by the Food and Drug Administration (FDA). Places that advertise them as cosmetics or sell them without a prescription are breaking the law.
• They are not “one size fits all.” An eye doctor (ophthalmologist or optometrist) must measure each eye to properly fit the lenses and evaluate how your eye responds to contact lens wear. A poor fit can cause serious eye damage, including
o scratches on the cornea (the top layer of your eyeball)
o corneal infection (an ulcer on the cornea)
o conjunctivitis (pink eye)
o decreased vision
• Places that sell decorative lenses without a prescription may give you few or no instructions on how to clean and care for your lenses.
Failure to use the proper solution to keep contact lenses clean and moist can lead to infections, says Bernard Lepri, O.D., M.S., M.Ed., an optometrist at FDA. “Bacterial infections can be extremely rapid, result in corneal ulcers, and cause blindness—sometimes within as little as 24 hours if not diagnosed and treated promptly.”
“The problem isn’t with the decorative contacts themselves,” adds Lepri. “It’s the way people use them improperly—without a valid prescription, without the involvement of a qualified eye care professional, or without appropriate follow-up care.”
Where Not to Buy Contact Lenses
FDA is aware that many places illegally sell decorative contact lenses to consumers without valid prescriptions for as little as $20.
You should never buy lenses from:
• street vendors
• salons or beauty supply stores
• flea markets
• novelty stores
• Halloween stores
• record or video stores
• convenience stores
• beach shops
• Internet (unless the site requires a prescription)
These are not authorized distributors of contact lenses, which are prescription devices by federal law.
How to Buy Decorative Contact Lenses Safely
• Get an eye exam from a licensed eye doctor (ophthalmologist or optometrist), even if you feel your vision is perfect.
• Get a valid prescription that includes the brand name, lens measurements, and an expiration date. But don’t expect your eye doctor to prescribe anime, or circle, lenses. These bigger-than-normal lenses that give the wearer a wide-eyed, doll-like look have not been approved by FDA.
• Whether you go in person or shop online, buy the lenses from a seller that requires you to provide a prescription.
• Follow directions for cleaning, disinfecting, and wearing the lenses, and visit your eye doctor for follow-up eye exams.
• See your eye doctor right away if you have signs of possible eye infection:
o eye pain that doesn’t go away after a short time
o decrease in vision
For more information, visit www.fda.gov.
October 20, 2011 5:14 pm
Master deed. Document that converts a parcel of land into a condominium subdivision.
October 20, 2011 5:14 pm
Q: Where can I get a mortgage?
A: You can get a home loan from several different sources—a credit union, commercial bank, mortgage company, finance company, government agency, thrift (which includes savings banks and savings & loan associations), mortgage broker, and even the seller.
Note, however, that many lenders have tightened their credit standards in light of increasing foreclosures and higher delinquency rates. Begin your search by calling at least half a dozen lenders to inquire about the types of financing available, current rates on each loan type, loan origination fees and number of points, other loan features and their credit requirements for borrowers.
Once you actually apply for a mortgage, the lender will pull a recent copy of your credit report. That inquiry and any and all others are recorded and become a part of your credit file. Normally, several inquiries during a short period are viewed negatively, as a sign you are trying to open several new accounts. Such a move lowers your credit scores; and lower credit scores mean you will be offered a higher mortgage interest rate.
However, there is a caveat. Credit scoring software generally detect that you are shopping for a single mortgage, if you shop within a short, 30-day window. So multiple inquires pulled roughly within this time frame will only count as one inquiry and should not affect your FICO, or credit, score.
Checking your own score also will not lower your credit score.
October 19, 2011 5:10 pm
Fall is a surprisingly active time in the garden. Winter is coming, and attending to a few strategic garden tasks can prepare the garden to weather the winter weather and ensure a colorful spring. Here are some pertinent seasonal gardening tips from www.preen.com.
• For most of the country, October through November is flower bulb planting season. Spring favorites such as tulips, daffodils and hyacinths need to be planted in fall to bloom in spring. Ideally, plant about six weeks before the ground freezes hard in your area.
• Fall is an excellent time to plant trees, shrubs and perennials. However, if a particular plant is only borderline hardy in your area, best wait for spring.
• If you have tender summer bulbs, it’s decision time. You can either treat them as annuals and toss them or leave them to die back. Or you can dig them and store them for the winter for replanting in spring.
• Harvest pumpkins and winter squash before frost, when their rinds are hard and fully colored. Store in a cool location until ready to use.
• Harvest mature, green tomatoes before frost and ripen indoors in the dark.
• Asparagus top growth should not be removed until foliage yellows. Let foliage stand over winter to collect snow for insulation and moisture.
• Strawberry plants need protection from winter extremes. Apply winter protection when plants are dormant but before temperatures drop below 20 degrees.
• Protect shrubs near roadways from the spray of salt, water and ice with burlap, plastic tarp or other material.
• Erect barriers around woody plants and trees if foraging rabbits, rodents or deer are a problem. Metal mesh (1/4-inch) hardware cloth is good for this. Pull mulch away from trunks to discourage rodents from making winter homes there.
• Spray evergreens, including newly planted ones, with an antidesiccant when temperature is above 40 degrees F. These products protect plants from drying out rom winter cold and wind exposure.
• Mound soil around rose grafts for winter protection.
• When frost begins to turn perennial foliage brown it’s time to trim them back. Leave mums, sedum, and ornamental grasses alone. These look pretty in winter. Also leave coneflowers, black-eyed Susans and other plants with seeds as food for birds.
For more information on gardening and landscaping visit http://www.preen.com.
October 19, 2011 5:10 pm
As seasons change and winter weather looms ahead, homeowners throughout the nation are bracing themselves for frigid conditions. With bitter cold temperatures and above-average snowfall predicted for some areas of the country this year, many people are concerned about keeping their homes warm and comfortable without spending a fortune on heating bills. There are several simple steps you can take to keep energy bills low throughout the season, starting with an annual assessment to ensure that your heating system is operating properly and efficiently before the harsh winter weather hits.
Start the Season with Energy Savings
For a smart start to combating winter weather, homeowners should have their heating systems inspected annually by a Heating, Ventilation, Air-Conditioning and Refrigeration (HVACR) professional. When selecting a local contractor, it's essential to shop around because not all HVACR technicians offer the same level of expertise.
Keep Heating Bills Low as Temperatures Drop
Once you've confirmed that your heating system is running at peak performance for optimal efficiency, there are several easy ways you can keep energy bills to a minimum:
• Clean your heating filters. Check them every couple of weeks and change them at least twice in the season, or as directed by the manufacturer.
• Check and maintain your insulation. Improperly insulated walls, floors, attics, basements and crawlspaces drain away heat and can lead to moisture imbalance. Adding weather stripping and caulk around windows and doors can also go a long way toward improving your home's insulation.
• Turn down your thermostat. Keeping your thermostat five degrees cooler can lower your heating bills without affecting your home's comfort.
• Install a programmable thermostat and adjust the settings to reduce the temperature when you're not at home, such as during the work day.
• Clean the furnace area. Don't keep chemicals or cleaning products near your heater, and don't store anything next to it that could impede ventilation.
• Keep vents and returns free of obstructions. Don't lay carpet over vents, place furniture over or in front of them, or obstruct the flow of air.
• Install a humidifier. Humidity in summer makes you feel hotter, and the same is true in winter since dry air feels cooler than moist air. A simple humidifier may make the home feel five degrees warmer than a home with dry air.
As homeowners continue to adopt green, eco-friendly heating systems, it's important to realize that even the highest efficiency equipment can waste money and energy if it's not properly maintained.
For more information, visit www.HVACRAdvice.com.