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
August 1, 2011 6:59 pm
Q: How do townhouses differ from condominiums?
A: While most condominiums are apartments, a townhouse is attached to one or more houses and can run the gamut from duplexes and triplexes to communities with hundreds of homes. Buyers separately own their homes and the land on which the houses sit. With a condominium, the unit owners jointly own the land and this common interest cannot be separated from the others.
Townhouses can be structured in many ways. Some, particularly huge communities, have common areas – such as swimming pools – that are similar to condominiums.
August 1, 2011 6:59 pm
Credit report. A past history of debt repayment used by creditors as an indicator of future readiness to responsibly repay debt.
July 29, 2011 6:59 pm
Think you need to empty out your savings to freshen up your space for selling? Think again. It’s possible to give your home a fresh face by spending only $100 dollars—or less!
First, think about the qualities most buyers look for in a home—clean, spacious, and inviting. A place they could see themselves in—not a place that reminds them of you or your family.
Here are 4 easy—and cheap—ways to create an inviting home environment for buyers.
1. Trim it right: It is amazing what a fresh coat of paint can do for your home’s interior. While $100 dollars won’t allow you to repaint all your rooms, it will get you enough to freshen up your trim, and any spots on the walls that need a touch up. Stick with clean, warm colors, such as ivory or bone.
2. Focus on the front: The first thing a buyer sees is the front of your home. For 100 dollars or less, you can repaint the door, plant a fresh flowerbed, and make sure your lawn is neat and tidy. Don’t forget to shine up details like your house numbers and mailbox—repaint or replace anything that looks tired or old.
3. Squeaky clean: Your home should be clean and clutter free for a showing. While you can de-clutter yourself, feel free to hire a cleaning service to get things gleaming.
4. Appeal to the senses. You don’t want your home to turn off buyers with a musty smell or dim lighting. Air out all your rooms before a showing and, if necessary, light a lightly scented candle—or bake a batch of fresh bread! Make sure rooms—especially the first room a buyer will enter—are well lit and bright by opening curtains and blinds and bringing in an extra floor lamp if necessary.
July 29, 2011 6:59 pm
Preschool can be a wonderful place for youngsters to begin a lifetime of learning while continuing to build social skills. If your child is past the toddler day care stage, congratulations to both of you and welcome to the wonderful world of preschool.
“Choosing the right preschool can be a pleasurable experience if you know how to go about it,” says Jodie Lynn, author of “Mommy-CEO: Five Golden Rules. “You are looking for a school where the teachers love children, know first aid and adore teaching 4-year olds, so plan to check schools out in person.”
Lynn suggests taking your child with you for an unannounced visit where you can have some initial interaction with the school’s director. Based on your first impression, ask if you and your child may visit a classroom in session for 15 minutes to half an hour.
But first, said Lynn, you may want to ask the following questions of the director:
1. What are the school’s credentials, and how many classes are there on campus?
2. How old is the building? Has it been tested for asbestos? What kind of heating or cooling is in place?
3. What is the ratio for academic learning versus music and art and free play time?
4. May I see the curriculum or plan book for the current 4-year old class?
5. What is the teacher’s background? How long has she taught? (Having a degree may not be a big deal if she presents well to you and your child.)
6. How many and what kind of meals are served daily?
7. How big and well-equipped are the indoor and outdoor play areas?
8. Is the classroom safe and child-friendly? How many children are in each class?
9. Are there field trips? Who drives? Do aides or Moms accompany on such trips?
10. What discipline guidelines are used?
July 29, 2011 6:59 pm
Given the recent terror alert, Americans traveling overseas should take the time to understand how travel insurance can protect them against terrorism, advises Squaremouth.com, a comparison site for travel insurance. “Although most travel insurance plans offer some form of terrorism related coverage, the degree of protection varies from one policy to the next,” advises Sarah Byrne, Marketing Manager at Squaremouth. “While looking for a travel insurance policy, travelers should consider whether they are content with only being able to cancel a trip if a terrorist attack takes place, or if they want the option to cancel if they are afraid an attack could happen.”
“U.S. Citizens are reminded to maintain a high level of vigilance and to take the appropriate steps to increase their security awareness,” advises the U.S. Department of State.
Policies that specifically mention terrorism will usually reimburse non-refundable trip costs if a traveler cancels or interrupts a trip because of an attack. In most cases though, a travel insurance policy would have to be purchased within two weeks of the first trip payment for coverage to be available.
If travelers want the option to cancel a trip because of a threat, travelers will need to purchase a travel insurance policy that includes the benefit Cancel for Any Reason. Cancel for Any Reason is an upgrade option that is available with many policies and provides the traveler with the ability to cancel the trip without an explanation and receive a refund up to 75 percent of the trip cost.
In addition to cancellation and interruption coverage, some policies provide coverage for Non-Medical Emergency Evacuation. “Non-Medical Emergency Evacuation is specifically designed to evacuate a traveler from a place of danger to a nearby place of safety,” explains Chris Harvey, CEO of Squaremouth. The benefit is available in policies provided by Travel Insured International, MH Ross and TravelSafe.
Travelers are also advised by the U.S. Department of State to enroll in the Smart Traveler Enrollment Program. The program allows the U.S. Embassy to easily contact travelers in the event of an emergency, as well as assist travelers by sending important safety and security announcements.
For more information, visit http://www.squaremouth.com.
July 29, 2011 6:59 pm
Seniors are significantly concerned about the potential impact to their health coverage if the federal deficit reduction plan includes changes to Medicare benefits. In a recent survey, 81 percent of seniors (aged 65+) who have Medicare coverage indicated that having to pay any more for Medicare benefits in the future would cause either a heavy or serious financial burden on them, causing them to make tough sacrifices.
The survey was conducted online within the United States by Harris Interactive on behalf of RetireSafe and the National Association of Nutrition and Aging Services Programs (NANASP) from July 21-25, 2011 among 354 U.S. adults ages 65 and older.
Sacrifices that seniors for whom paying more for their coverage would be a serious or heavy burden included going to the doctor less (59%), postponing medical procedures or tests (58%), rationing medications (37%), failing to get prescriptions filled (20%), returning to work to cover additional costs (18%) and discontinuing Part D coverage (12%).
"As Congress considers legislation on the debt ceiling, these concerns of seniors should factor into what they decide on the future of Medicare," says Robert B. Blancato, NANASP's executive director. "It is not shared sacrifice when seniors are forced to choose between maintaining their health and gambling with it by not doing regular doctor visits or getting required tests."
When asked whether they would support or oppose changing Medicare coverage in order to reduce the federal budget deficit, 79 percent of seniors said that they oppose changes. Only 10 percent of women aged 65+ support the idea of changing Medicare to reduce the deficit.
"It is evident from this survey that most older Americans don't want to use Medicare resources to reduce the federal budget, which is not surprising given that eight out of 10 tell us that forcing them to pay more for their Medicare benefits would put a serious burden on them," says Thair Phillips, president of RetireSafe. "As the factions in Washington wheel and deal to arrive at a solution to the nation's budget woes, they need to understand that our nation's vulnerable older Americans are the group least able to bear the weight of righting the wrongs of Congress's decades of financial mismanagement."
RetireSafe is a 400,000 strong grassroots organization that advocates and educates on behalf of America's seniors on issues regarding Social Security, Medicare, health and financial well-being. RetireSafe expects its government to keep its promises, protect our nation, and maintain the safety and personal freedoms of its citizens.
The National Association of Nutrition and Aging Services Programs (NANASP) is a national membership organization for persons across the country working to provide older adults healthful food and nutrition through community-based services. NANASP's mission is to strengthen through advocacy and education those who help older Americans. Its vision is to reshape the future of nutrition and healthy aging.
July 28, 2011 4:59 pm
Travelers often spend considerable time comparison shopping before booking their hotel rooms. But are they taking into consideration all of the additional costs that come with their chosen room?
Recently, CreditDonkey revealed the real cost of sleeping in hotels with its newest infographic. The visual guide walks travelers through the hotel stay, uncovering fees and costs that are often overlooked until they receive their credit card statement.
View the infographic here.
Here are some of the standard hotel costs outlined by the CreditDonkey infographic:
• Bottled Water and Snacks – once complimentary, oftentimes these refreshments come with a price tag of $5 a pop
• In-Room Safe – some hotels now charge a $3 nightly fee for using the safe
• Towels – extra towels can cost an additional $2
• Parking – some hotels have mandatory valet parking that runs at $45 per day, plus tip
• Resort Fee – this fee typically covers services like the business center, pool, gym and housekeeping; even if you don’t plan on utilizing some of these amenities it will run you about $10 to $25 per day
• Packages – if you plan on having a package delivered to the hotel or mail a package from the hotel, you may incur a charge running anywhere from $1 to $25
And these are additional services with costs that may be passed on to hotel guests; prices can vary so guests will want to get the low-down on these services before booking their room:
• Telephone (sometimes even local calls)
• Airport Shuttle
• Energy Surcharge
• Taxes and other local charges, like tourism marketing efforts
• Bellhop/Housekeeper Gratuities
• Cancellation Fees
• Late Check-In or Check-Out
• Grounds Keeping Fee
• Luggage Holding
“If consumers overlook these extra costs, they are going to be in for a real surprise when they get their bill,” says Charles Tran, founder of the credit card comparison website, CreditDonkey. “When budgeting for upcoming travels, consumers should consider these additional costs when creating their lodging budget. This will help them avoid sticker shock when they open their credit card statement.”
Tran also advises that consumers can help decrease their out-of-pocket costs by taking advantage of a hotel credit card. CreditDonkey has shared the following tips to help cardholders make the most out of their hotel rewards:
• Be choosey with your rewards credit card; choose a credit card that offers the hotel rewards that suit your individual needs
• Be loyal; many cards will offer more points when you stay in specific hotel chains
• Be mindful of the currency of the rewards and accrue points in a currency that works for you
• Watch for cards with blackout policies, as they may limit the dates that you can utilize your rewards
• Take advantage of the new mobility that is offered by these rewards cards
• Don’t stockpile your rewards waiting for your major vacation that’s taking place in three years; instead, use them when you need them most
With many cards offering bonus introductory points, consumers who open a hotel rewards card early may be able to cash in on points to help cover hotel expenses for their travels. But many consumers become overwhelmed when researching hotel reward cards, giving up before they find the right card for their family.
For more information, go to http://www.creditdonkey.com
July 28, 2011 4:59 pm
Traveling with pets is becoming more and more popular, as recent surveys indicate. According to a 2011 survey by PetRelocation.com, 60% of pet owners traveled at least one time with their pet in 2010, and 93% of pet owners expect to take at least one trip with their pet in 2011. Many of these pets have traveled more than once, with 22% expected to travel monthly.
Recognizing that pet travel was becoming more popular, Cabin Creekwood positioned itself 16 years ago as a place where pets were welcome. Since that time, they’ve hosted birds, cats, ferrets, iguanas and dogs, with the dogs easily leading the pack as the most popular travel companion.
Despite some trepidation about permitting pets, the staff at Cabin Creekwood has found that the vast majority of pets who come to their pet friendly cabins are very well behaved and used to living indoors. Of course, there are exceptions, but those are few and far between.
For those wanting to travel with pets, Cabin Creekwood offers these tips:
To find pet-friendly accommodations, websites such as petfriendlytravel.com, dogfriendly.com, petswelcome.com, or packthepets.com provide listings based on location. Many individual businesses will post on their website if they are pet friendly, but just because a website doesn't specifically say it doesn't mean that Fido isn’t welcome. A quick phone call or email will clarify.
It is important while communicating with a lodging choice to make sure to find out what is expected. There may be fees, limitations on pet size, specific pet policies, etc. Companies that charge a fee should not be viewed negatively. Many times, they are just weeding out the pets that don’t really belong, as people who are willing to pay the extra fees typically have pets that are better behaved.
When traveling with a pet, it is a good idea to take along the pet license and rabies certificate, as well as toys, bedding, and other familiar items that will help him to feel at home. Of course, making sure that flea and tick medicines are up-to-date will help to make sure that unwanted hitchhikers don't make it back home.
And most of all, respect of others will go a long way toward making sure that pets are always welcome. That means the pet should be kept under control at all times and be crated when left alone so they don’t damage anything. It goes without saying that picking up behind a pet is a basic common courtesy that should be extended no matter what the location.
For more information, visit http://www.cabincreekwood.com.
July 28, 2011 4:59 pm
Conveyance. Document used to transfer title. A deed is a conveyance.
July 28, 2011 4:59 pm
Q: Are 40-year mortgages a good idea?
A: The main reason buyers sign on for these type of loans, which add 10 years to the traditional 30-year mortgage, is to take advantage of smaller monthly payments.
According to real estate experts, the shorter-term loan is usually more advantageous for the homebuyer. The drawback becomes apparent simply by calculating the cost of additional interest payments, which can total thousands for the privilege of just saving the difference of a few dollars in monthly mortgage payments.