731 W Skippack Pike
October 7, 2011 2:03 pm
Q: How bad is a previous foreclosure on credit?
A: Unfortunately, it is a pretty bad blemish. A property foreclosure is one of the most damaging events in a borrower's credit record. In terms of the effect on your credit history, a deed in lieu of foreclosure—where you voluntarily “give back” your property to the lender—or a short sale, which is when the lender agrees to write off a portion of the loan that is higher than the value of the home, is not as adverse as a forced foreclosure.
October 6, 2011 5:03 pm
Melanie Tisdale, a real estate media coordinator in Florida, recommends the following tips for making the most of that old house you inherited, or that damaged home you don’t have the funding to repair. Selling an ugly home doesn’t need to be a hassle.
• Many homebuyers today are shopping for deals and want to see the potential in your home. In that case, leave brochures for new cabinets in the kitchen, color palates around the bedrooms and even create computerized images of what updates could look like.
• In addition, secure bids from licensed contractors on necessary fixes and provide them to your potential buyers. People may overestimate the cost of a new roof, shower stall or drywall repair and fresh paint. Estimates will bring the home into clearer perspective.
• Work with your real estate agent to make the home as presentable as possible for the least amount of money. Make a room or two inviting so you have the photos that will attract buyers to what you can call “a fixer upper.”
• Nothing is going to attract people more than a low price. Obviously, you will need to discount the sales price to gain an advantage over comparables in better condition.
October 6, 2011 5:03 pm
I was recently reminded of the challenging time folks have finding a place of worship when they move after checking out a recent blog by Bruno Somerset—a novelist and freelance writer living in Texas.
Somerset says with some denominations like Catholic and Episcopal the problem is made easier by the fact that most people simply go to whatever parish they fall into geographically. But for others with a less clear-cut path, particularly Baptists and those who prefer a non-denominational congregation, Somerset offered the following suggestions.
1. Start with the Internet. A simple search on Google of the word "church" and the name of your city will bring up several websites with listings of churches in your city. If you don't mind driving a little farther, you can include surrounding areas as well. Start with this list and narrow it down to the particular denomination or type of church you're looking for.
2. Check out the church's website. Except for extremely small congregations, almost every church now has some presence on the web. The church's website will usually have invaluable information in a very short period of time you can compare the various ministries, congregation size, and service times of a large number of churches.
4. Find the one that seems to suit your needs best and visit for at least a month. It is very easy to visit a church once and decide that it's missing some key ingredient you want; this enables you to get a more consistent view of the church and whether it's a good fit for you.
5. Talk to church members. Simply having a conversation with current church members over coffee or at lunch after a Sunday service is both a great way to make friends in a new town. From current members you can often learn how well what the church says meshes with what it actually does.
Hopefully, with these tips in mind, you’ll enjoy a bit more peace of mind in those hectic days after your move.
October 6, 2011 5:03 pm
With childhood obesity becoming more and more prevalent in the US, we are all aware that weight can cause a plethora of problems. These problems include diabetes, high blood pressure, heart disease and more. But another issue childhood obesity takes its toll on is self esteem, especially in young girls.
Teenage and adolescent girls are naturally more prone to having more body image issues than young boys, and it’s typical for them to feel judgement radiating from their peers, society, and even their family.
If you’re a parent with an overweight daughter, you may naturally try and talk to your child about their weight—but there is a fine line here between seeming concerned and seeming judgmental, and with young girls sensitive by nature, it’s easy to come off as critical.
Here are a few ways to healthily handle and approach your child’s weight issues.
1. Lead by example: Show your child how to maintain a healthy weight through example. Let the focus be on overall health, not numbers on a scale. Develop healthy lifestyle habits like daily exercise, proper nutrition, a regular sleeping pattern and engaging in fun activities that inspire and motivate you.
2. Time. Spend time together, just the two of you. Take interest in what your child likes, from playing soccer to seeing a concert or a movie. Of course, physical activity is optimal, as you will be bonding and getting exercise at the same time. Go for a hike, take the dog for a walk, play basketball or go to a yoga class. Show your child you love and support them.
3. Nutrition. Bring real, whole foods into the house and limit processed junk food. Shop for food together at a grocery store, local market or—even better—a local farm. Research meals and prepare them together. Talk to your child about where their food comes from and what it can do for their body. Teach them nutritional basics and help them make healthy choices. Again, be sure to lead by example.
October 6, 2011 5:03 pm
According to the National Aging in Place Council, an overwhelming majority of Americans want to remain in their homes for as long as possible. But, while people may wish to stay in their homes longer, most houses were not built to adapt to our changing needs as we age.
“The good news is that there are many simple ways to make a home more functional for your needs as you age, starting with the doors,” says Shannon Sims, marketing communications manager for Therma-Tru Corp. “Making life easier for aging adults can be as simple as choosing low-maintenance entry doors with easy-to-use levers instead of doorknobs. Or, to easily allow more fresh air and light into the home, a homeowner can request Vented Sidelites on their doors that swing open easily on hinges.”
By 2030, Americans 65 and older will make up 20 percent of the population. For those people wishing to make changes in their home that make aging in place an easier experience, experts at Therma-Tru® offer the following tips:
Tip No. 1 - Evaluate Your Entryway: To accommodate a wheelchair, ideally the doorway to your home should be at least 32-inches wide. Even without needing a wheelchair, a wider opening can be beneficial to provide added space for getting in and out.
Tip No. 2 - Get a Grip: According to the Centers for Disease Control and Prevention (CDC), 67 million adults aged 18 years and older will have doctor-diagnosed arthritis by the year 2030. For arthritis sufferers, just turning a doorknob can be painfully difficult. For this reason, consider installing lever-style handles on your exterior and interior doors.
Tip No. 3 – Upgrade Patio Doors: Patio doors tend to receive more traffic than the front entry door. If your patio door is due for an upgrade, you can choose the classic elegance of a hinged patio door or the modern convenience of a sliding patio door.
Tip No. 4 – Maintain the Beauty: As we age, simple home cleaning and maintenance tasks get harder. Having a wood door for example, will require more maintenance over time as it tends to rot, split or crack and requires frequent painting and staining.
A better option is a fiberglass door that can withstand a wide range of temperatures and weather elements. These doors are easy-to-maintain, can be stained or painted like a wood door and are easily cleaned with soap and water. Fiberglass doors can even replicate the rich look and feel of a real oak or mahogany door, but offer the durability and energy efficiency advantages of fiberglass.
For more information, visit www.thermatru.com or www.fypon.com.
October 6, 2011 5:03 pm
Lessor. Someone who rents to another party through a lease; the landlord.
October 6, 2011 5:03 pm
Q: How do you clear up bad credit?
A: It is not easy but certainly doable with both commitment and time.
By law, any unfavorable information in your credit file can stay there from 7 to 10 years. Today, however, a creditor must remove credit blemishes in a timely fashion if you challenge them and they turn out to be false.
The first step in any recovery plan is to get copies of your credit records. You are entitled to free copies if you have recently been turned down for credit. Otherwise, request copies for a fee from the three major credit-reporting agencies: Experian, (800) 311-4769; Equifax, (800) 685-1111; and Trans Union, (800) 916-8800.
If you see any incorrect information, let the credit reporting agencies know. Also contact the companies that reported the negative claims against you.
If the credit report is correct, move immediately to take care of any outstanding delinquencies, tackling a little at a time until you get back on the right track. In fact, make an effort, if at all possible, to repay your debt in full and on time for six months to a year to prove you are working hard to repair any damage.
October 5, 2011 5:03 pm
12 Types You May Want to Reconsider
When it comes to life insurance, and even car insurance, you may be best off erring on the side of carrying too much. But insurance companies thrive on our natural urge to protect all the things around us—so much so, that many people find themselves paying for policies they likely will never need.
That’s the observation of consumer advisor Lisa Smith, who suggests the average consumer pays for too much insurance protection. She recommends 12 types of insurance policies we probably should not buy.
• Extended warranties – Most appliance stores offer extended warranties on new appliances, TVs, and more. But for most reputable, brand-name products, extended warranties are statistically just not necessary.
• Car rental damage insurance – Most auto policies protect you against damage costs no matter what car you are driving. If yours does, don’t let a rental salesman talk you into an added policy.
• Flight insurance – Air accidents are very rare—and your life insurance policy very likely offers all the protection you need.
• Mortgage life insurance – Designed solely to pay off your mortgage in the event of your death. Carry enough life insurance to pay off your mortgage and other obligations as well.
• Accidental death – Again, carrying enough life insurance offers protection whether death is accidental or not.
• Credit card insurance – These policies pay off your credit card in the event you are unable to work. Nice, but a better idea is not to carry a balance and save the cost of the insurance.
• Unemployment insurance – pays minimal monthly payments on your bills if you are unable to work. Think about saving the premiums and building up a healthy emergency fund.
• Credit card loss insurance - Federal law limits your liability if your credit card is stolen. Your out-of-pocket costs are limited to $50 per card and not a penny more. In fact, many credit card companies don't even try to collect the $50.
• Disease insurance – There are policies that specifically cover cancer, heart disease and other illnesses. If you have good medical coverage, you will be protected no matter what malady occurs.
• Flood insurance – unless you live in a flood plain, where it is required, don’t buy it. If the community you are buying in has never flooded, it is unlikely to do so now.
October 5, 2011 5:03 pm
When the temperature drops, people aren't the only ones looking for ways to stay warm. Pests seek warmth indoors, too.
Protect your home from unwanted visitors this winter with these simple home preparedness tips from Terminix, a provider of pest control services.
Seal pests out and warmth in.
• Place weather stripping on the bottom of all exterior doors to ensure they seal tightly. Doors that do not have a tight seal can allow a variety of pests to enter the home and can allow warm air to escape.
• Use caulk to seal any holes or cracks in your home's exterior. Large holes should be stuffed with steel wool or wire before sealing with caulk or other materials.
• Eliminate cracks or openings around pipes and utility lines that enter the home. These are potential problem areas that can allow pests in and heated air out.
• Close the flue damper when the fireplace isn't in use. An open damper can allow a large amount of air out and can be an entry point for a variety of insects, rodents and wildlife.
• Ensure attic and foundation vents are equipped with tight-fitting 1/4-inch hardware cloth. This will help keep rodents at bay. Also install insect screening over windows, utility vents and other areas where small pests may slip through.
Check the exterior.
• Move piles of firewood and other debris away from the home's foundation. Both provide ample sources of shelter for rodents and other pests such as termites, and could encourage them to live near the home.
• Trim tree branches and shrubs away from the home. Rodents and other insects can scale rough surfaces like trees or large shrubs in order to access your home's roof or other entry points in the home's exterior.
• Protect your investment. Just because it's cooler, termites don't slow down their destructive behavior. Termites cause more than $5 billion in property damage each year, and most homeowners' insurance does not cover the damage.
• It's essential to have an annual professional home inspection for termites from a reputable pest and termite control company. Prompt treatment and regular inspections can save thousands of dollars in damage repair. "Homeowners can ease their minds and protect their investment this winter by scheduling a proactive termite inspection and doing a few simple tasks to keep pests away," says Paul Curtis, Terminix entomologist. "The best tool to fight pests is prevention."
Additional tips for termite prevention:
• Repair roof or plumbing leaks. The moisture from these allows termites to survive above ground.
• Ensure gutters drain properly and direct moisture away from your foundation.
• Keep mulch or soil away from your home's siding. It's best to have a barrier of a few inches.
• Remove items like scrap lumber, boxes and even old books or newspapers from crawl spaces.
• Maintain adequate ventilation in crawl spaces.
For more helpful tips, visit www.terminix.com.
October 5, 2011 5:03 pm
Younger seniors and baby boomers are more engaged in their Medicare coverage and more willing to make changes to ensure it meets their needs, according to a national survey of seniors enrolled in Medicare. The Allsup Medicare Advisor Seniors Survey, commissioned by Allsup and conducted by Richard Day Research (RDR), indicates age is a primary driver of attitudes toward current Medicare coverage, future intentions of changing plans and active use of free preventive care services. Allsup is a nationwide provider of Medicare plan selection and Social Security Disability Insurance (SSDI) representation services.
"People who've recently enrolled in Medicare are more critical and informed about their Medicare coverage," says Paul Gada, personal financial planning director for Allsup. He directs Allsup Medicare Advisor®, an impartial nationwide Medicare plan selection service. "They are more likely to change if they're not happy with their coverage and more likely to take advantage of free healthcare services available to them."
In fact, the Allsup Medicare Advisor Seniors Survey of 900 individuals shows important differences among younger seniors (ages 65-69) and older seniors, including that younger seniors are:
Less satisfied with coverage.
Only 58 percent of those under 70 years of age were very satisfied with their Medicare coverage compared to 72 percent of those 80 years of age or older.
More willing to change coverage
. Most seniors don't plan to change Medicare plans during the next year. However, 48 percent of those under age 70 are not ruling out a change, compared to 38 percent who are age 80 and older.
More frequently changing coverage
. In just the few years that those under 70 years of age have been eligible for Medicare, 18 percent have already changed plans.
Nearly twice as likely to review their plan.
Forty percent of seniors under age 70 have reviewed their current Medicare plan in the past 12 months, compared to just 22 percent of those 80 years of age or older. More likely to take advantage of
preventive services under Medicare. Forty percent of seniors under age 70 already have used at least one of the preventive services now offered under Medicare at no additional cost. Additionally, 63 percent of those under 70 who have not used a preventive service said they plan to do so in the next year. In comparison, only 34 percent of those 80 or older have used a free preventive service, and only 44 percent of those who have not done so said they plan to in the next year. Examples of these preventive services include annual wellness exams, cardiovascular screenings, flu shots, medical nutritional therapy and glaucoma tests.
"Whether it's a generational issue— with baby boomers being more persistent— or it's simply that people become less engaged and more tolerant of the status quo over time, younger seniors do appear to be poised to benefit more, so long as they continue to remain involved with their Medicare coverage," Gada says.
For more information, visit http://www.Allsup.com
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