731 W Skippack Pike
July 25, 2011 5:01 pm
A study released recently by Bankrate.com found that only 58% of Americans track their spending against a monthly budget. Bankrate's overall Financial Security Index fell from 97.8 in June to 95.6 in July, the lowest reading since April. Confidence in job security and savings dropped to 2011 lows.
The new study was conducted by Princeton Survey Research Associates International and can be seen in its entirety here: LinK: http://www.bankrate.com/finance/consumer-index/july-2011-financial-security-poll.aspx
Among the findings:
• Those with college degrees (66%) and those that are parents (65%) are highly likely to track spending against a budget.
• Least likely to track spending against a budget are those with a high school diploma or less (52%) and households with less than $30,000 in annual income (53%).
• Geographically, those in the Northeast (53%) are less likely to track spending against a budget than their counterparts in other parts of the country.
• 26% of Americans reported higher net worth than one year ago, whereas 25% reported lower net worth.
"A significant portion of the U.S. population would benefit from better budgeting habits," explains Greg McBride, CFA, senior financial analyst for Bankrate.com. "For example, we recently found that only 24% of Americans have adequate emergency savings. Consumers who create a monthly budget and stick to it are much more likely to be prepared for unexpected emergencies and more routine goals. Regardless of one's income level, it's critical to manage monthly cash flow and to properly assign funds to specific buckets such as a rainy-day fund, groceries and retirement. It's not good enough to wait until the end of the month and see what happens."
For more information, please visit www.bankrate.com.
July 25, 2011 5:01 pm
Contractor. One who contracts to do something for another. For example, in construction, a specialist who enters into a formal construction contract to build a real estate structure or handle renovations, improvements, and additions to an existing structure.
July 25, 2011 5:01 pm
Q: Should I avoid an adjustable rate mortgage?
A: Because adjustable rate mortgages, or ARMs, fluctuate with the market, they offer less stability than fixed-rate loans. If an ARM is adjusted upward, monthly payments will increase, and for a lot of people that can be too big a risk to take. On the other hand, should rates drop dramatically, homeowners can reap the benefits of lower rates without refinancing, thereby saving thousands of dollars.
Lenders first introduced ARMs in the 1980s when interest rates soared into the double digits, forcing many people out of the home buying market. They tied the rate to a variable national index, such as U.S. Treasury bills.
Today, many first-time buyers who have difficulty qualifying for a home loan, still settle for adjustable rate loans because the initial, “teaser” interest rate of the mortgage is normally two or three points lower than a fixed rate loan. ARMs are particularly attractive if you plan to be in your home a short time. They tend to adjust yearly or every three years, usually within certain limits, or caps, that prohibit the interest rate from shooting up too high. Make sure terms such as these are spelled out in any ARM agreement you choose.
July 22, 2011 4:59 pm
Summer is the time for hiking, gardening, picnicking, and simply enjoying the great outdoors. It is also prime tick season—which means increased exposure to the serious infectious diseases they carry.
“According to the New York Department of Health, ticks are most active late spring through mid-August,” says Lou Paradise, president and chief of research of Topical BioMedics, Inc., Rhinebeck, NY, the makers of the Topricin line of natural pain relief and healing creams. “Now is the time to avoid contact with them and be aware of the symptoms of Lyme and Babesiosis, two dangerous tick-borne illnesses.
The Lyme disease bacterium (Borrelia burgdorfen) is carried by a group of closely related species of ticks known as Ixodes. Ticks in this group include deer ticks, western black-legged ticks, and black-legged ticks. These tiny terrors are small—typically no larger than a poppy seed—and transmit the bacteria when feeding on warm-blooded hosts, including mice, deer, dogs, and humans. The bacteria enter the skin through the bite during feeding and eventually make their way into the bloodstream.
Lyme disease is named after the town of Old Lyme, Connecticut, where it was first diagnosed among a group of the town’s residents in the mid 1970s. Since then, Lyme disease has affected a growing number of Americans. The Center for Disease Control and Prevention (CDC) reported 23,305 cases of Lyme in 2005, and current statistics now estimates that more than 35,000 Americans contract it annually. Some experts believe the number of cases is much higher, and the CDC has gone on record as saying that they believe only 10-12% of Lyme disease cases are actually being reported to them. Most documented cases have occurred in the Northeast, Mid-Atlantic, and Midwest, with some incidences reported from western states, including Oregon and northern California. .
The NY Dept. of Health reports that in 60 to 70 percent of Lyme disease cases, the first symptom is a rash that occurs at or near the site of a tick bite and has a round, “bulls-eye” appearance. It can be between 2” and 6” in diameter, and lasts up to five weeks. Other symptoms occur from several days to weeks, months, and even years after a bite. They include “flu-like” symptoms, such as aches and pains in muscles and joints, chills and fever, headache, sore throat, stiff neck, swollen glands, dizziness, and fatigue. Even if these symptoms fade away, untreated Lyme disease may lead to arthritis, nervous system abnormalities, and an irregular heart rhythm.
Babesiosis is another infection transmitted by ticks and is caused by a parasite that lives in red blood cells. The babesia microti parasite infects and destroys red blood cells, and the disease—which is a malaria-like illness—can cause hemolytic anemia. Symptoms begin anywhere from five days after a bite or longer, and may include fever, chills, headache, muscle pain, nausea, tiredness, and a rash. Unlike Lyme, Babesiosis has been known to be fatal. Therefore diagnosis and treatment should begin as soon as possible after it is contracted.
The disease was originally documented off the Massachusetts coast, where it was known as “Nantucket Fever.” It is now on the rise and rapidly spreading across the United States. “According to a recent report by the Centers for Disease Control and Prevention, there were six cases of Babesiosis here in the Lower Hudson Valley in 2001,” says Paradise. “There were 119 cases documented in 2008, which is a 20-fold increase. Clearly, we should all take steps to avoid coming in contact with ticks.”
Because tick bites are usually painless, the incubation period is long, and the symptoms so varied, a tick-borne disease may go unrecognized for weeks or even months.
Moreover, these diseases often mimic other conditions—such as the flu, meningitis, or in some instances Multiple Sclerosis—making it easy for there to be a misdiagnosis. Further complicating matters is the fact that diagnostic tests are not always accurate or conclusive.
Test timing is a factor in diagnosis. According to Sally Hojvat, Ph.D., Director of the Division of Microbiology Devices at the FDA’s Center for Devices and Radiological Health, “It’s important to know that blood tests that check for antibodies to the bacterium that causes Lyme disease are not useful if done soon after a tick bite. It takes two to five weeks for initial antibodies to develop.”
A single tick bite can transmit more than one tick-borne illness—besides Lyme and Babesiosis—such as anaplasmosis, bartonella and tularemia. These co-infections further complicate diagnosis and treatment.
Tick-borne disease threat doesn’t end when a victim is bitten. There is some history documenting how an individual exposed to these pathogens can pass them through their blood—including from a pregnant woman to her unborn child, and through blood transfusions. In fact, the FDA has reported that over the past 10 years, babesiosis has infected more than 100 Americans via transfusions, and 11 of them have died. Federal regulators are now struggling with how to protect the blood supply because there is currently no efficient test available.
Prevention and Defensive Measures
Avoiding contact with ticks and disease prevention are the first and best lines of defense against tickborne infections. Here are some tips to help keep you and your family safe from these tiny threats.
Ticks—and disease—are carried by deer, mice, and other common woodland creatures. Keep these uninvited guests away by installing a deer fence and moving brush piles and wood piles (where mice find shelter) and bird feeders (a source of food for rodents) away from your house and play areas.
There are a number of plants you can cultivate around your yard that repel ticks, including lavender, garlic, pennyroyal, pyrethrum (a type of chrysanthemum), sage, American beautyberry, and eucalyptus.
If your lifestyle permits, raising chickens, ducks and guinea hens will help keep the tick population down as these feathered friends have a voracious appetite for them.
Keep your lawn manicured and avoid walking in wooded, brushy, and grassy areas. When hiking in an overgrown or wooded area, try to stay near the center of the trail. Do not sit on stone walls, where woodland creatures like to live—and which attract ticks.
Keep in mind that ticks attach easily to bare flesh. When outdoors, protect yourself and your children by wearing long sleeves and long pants, preferably in light colors so you can spot a tick more easily. Wear shoes and socks that you tuck pant legs into or a pair of tall boots.
Your four-legged friend may pick up an unwanted hitchhiker after being outside. Be sure to inspect pets for ticks after they’ve been outside as they may deliver a tick to you, and they can also become sick with Lyme disease.
After being outdoors, remove clothing and wash and dry at a high temperature as ticks may be lurking inside the folds and creases. Washing alone will not kill ticks—even with bleach—it’s the heat of the dryer that does the trick.
Take a shower or bath within two hours of coming back inside, then perform a whole-body tick check. In the case of Lyme disease, infection from a tick to a human typically takes 30 – 40 hours, so spotting and removing them quickly is an important first defense. (It is uncertain how long it takes for Babesiosis to spread).
If you discover a tick attached to you, carefully remove it. Using tweezers, grasp it close to the skin and pull straight back without twisting or yanking. There are also devices on the market today that are made for effectively and efficiently removing ticks. Avoid pressing or squeezing the tick’s belly as it can push bacteria into your body. Similarly, do not use the heat of a match that you light and blow out, or petroleum jelly. After you’ve removed the tick, disinfect the bite area. Save the tick for possible identification by a doctor or the local health department.
For more information visit http://www.topricin.com
July 22, 2011 4:59 pm
Such high temperatures, for prolonged days, have caused a spike in foundation repair says Julie from Dallas based Premier Foundation Repairs Inc. "The foundation of your house in Dallas are unfortunately sitting on very expansive soils. This type of soil is very sensitive to moisture, causing large amount of swelling and shrinking depending on how much water is present." The photo to the right shows a section of a lawn’s ground, only four days after a major storm.
Premier Foundation Repair Inc. has a few suggestions for the homeowners that will help prevent the need for foundation repairs:
1. The grounds’ moisture around the home's perimeter should remain as constant as possible.
2. Periodical use of a sprinkler system and soaker hoses together is the best solution. Homeowners should bury the soaker hoses 12-16” away from the foundation of their residence.
3. Water the yard at night when evaporation is greatly reduced to use less water and save money.
If an automatic sprinkler system is not available, homeowners should use the manual type and rotate it around the perimeter of the house. What is important is that the moisture levels around the perimeter of the house stay as constant as possible.
If a residence shows signs of foundation problems, the customer needs to remember that the root cause, most likely a moisture level issue, will need to be addressed in order for the foundation repairs to last permanently.
For more information, please visit http://www.premierfoundationrepair.com.
July 22, 2011 4:59 pm
Contingency. A provision in a contract that keeps it from becoming binding until a certain event happens. A satisfactory inspection report might be a contingency.
July 22, 2011 4:59 pm
Q: Are interest rates negotiable?
A: It depends who you negotiate with. Some lenders are willing to haggle on both the loan rate and the number of points, but this is not typical among more established lenders.
This is why it pays to shop around for the best loan rates. And know the market so that you sound informed when talking to a lender. Read the published rates in local newspapers or check the growing number of Internet sites that publish such information.
Also, always make a point to consider the interest rate along with the points to access which loan is truly the best.
Interest rates are much more open to negotiation on purchases that involve seller financing. While they are usually based on market rates, some flexibility exists when negotiating on the rate.
July 22, 2011 4:59 pm
Summer is the season of travel, and from June through August, many of us find ourselves snagging more in-flight time than usual. With extra-long security lines and overpriced airport eats, flying can be a real drag. But it doesn’t have to be. The following 5 tips will make your flight more comfortable.
1. Bag it right. If you are making a connecting flight, it’s a good idea to cough up the cash (usually around 20 dollars) and check your large luggage. Rushing between flights with a roll-on in tow is stressful, and uncomfortable. Instead carry on a large shoulder bag or tote, big enough for all your essentials. Pack snacks and a water bottle (bring it through security empty and fill at a water fountain). Staying hydrated while flying minimizes jetlag!
2. Layer it up. In a heat wave, the thought of putting on a sweater might seem absurd. But airports and planes usually have the AC pumping—wear or carry extra layers to make sure you aren’t shivering all the way to your destination.
3. Socks and shoes. Make sure your shoes are easy-on, easy-off to avoid a hold-up in security. While flip flops are ideal for summer traveling, be sure to pack socks! This way, you won’t have to walk around barefoot on the dirty airport floor. Plus, an optional extra layer for your toes will keep you comfy throughout the flight.
4. Earplugs. Between the engine humming and the noise of your neighbors—crying babies included—bringing earplugs will allow you to relax, and maybe snag some sleep, on your flight.
5. A blanket. Blankets are no longer offered on every flight, and if they are, they aren’t always laundered in between. Pack your own lightweight throw for extra comfort and warmth.
July 22, 2011 4:59 pm
It's peak home improvement season and many homeowners are itching to roll up their sleeves and tackle a home improvement project. However, before embarking on a home improvement or renovation project this summer, homeowners need to understand just what they're getting themselves into.
Cutting costs on big projects by doing-it-yourself —or "DIY"—can actually cause huge problems down the road. Homeowners should educate themselves on what is best to leave to the professionals who are knowledgeable about what to consider when embarking on a home improvement project, including materials, sizing, project pitfalls, code requirements and permitting. Power Home Remodeling Group, a home remodeling company, offers homeowners tips and resources to assist them in making the decision when not to DIY.
"As a remodeling enthusiast, I personally understand a homeowner's desire to tackle projects on their own. The feeling of pride that results from improving your own home is a wonderful sense of accomplishment, but it's also important to know your limits," says Power co-founder and Chief Executive Officer Jeff Kaliner. "Some home improvement projects can be complex and benefit from a professional's expertise, such as window and siding installation, electrical wiring and plumbing. If such projects go awry, it could end up causing the homeowner quite a headache or additional costs that could have been prevented by consulting a professional."
Power offers several key tips for homeowners considering a DIY project:
• Do you have the time? This important question can easily aid your decision to complete a home improvement project. Take an honest evaluation of the time you can allot to the project. Diving into a project on a weekend without a realistic timeline can leave your house in shambles for weeks as you complete the project in your spare time.
• Do you have the right tools? Window, siding and door installation projects require very specialized, expensive tools to produce a quality result. Cutting corners with improvised tools will produce a less than stellar final product that can negatively affect the home's resale value. Less obvious tools such as permits, licenses and insurance are required to complete several projects. Without these, homeowners could face fines or zoning issues that can affect their taxes.
• Do you have the experience? For homeowners, their home is typically their biggest investment. Projects that change a home's structural integrity, energy efficiency and even visual appeal can drastically change its value. Before investing time and money in trial and error, homeowners should consider calling a professional to guarantee a high quality result.
Simpler projects such as landscaping, painting and shelving are great do-it-yourself opportunities for homeowners looking to save money. Green projects like 'upcycling' a piece of old furniture or caulking a leaky drain can also satisfy a desire to DIY on a smaller scale. These projects can be completed with less risk of doing any major damage to the home. Botched projects can even jeopardize the homeowner's ability to sell down the road.
Kaliner added, "Homeowners should also consider starting with a smaller DIY project that won't take a lot of time, they can see to completion, gain some confidence and get a better understanding of what's involved for future home improvement projects."
For more information, please visit PowerHRG.com.
July 22, 2011 4:59 pm
With hot and humid weather predicted to continue throughout the region, FirstEnergy Corp.'s utility companies are offering tips to help customers save money, keep cool and conserve electricity.
• Consider setting air conditioners a few degrees warmer on hot days. Every degree you add to your interior temperature in the summer can reduce your energy usage by up to 3 percent.
• Close drapes or blinds on windows that receive direct sunlight. Blocking the sun's rays reduces the temperature in your home, which means your air conditioner has less work to do.
• Close air conditioning registers in unused rooms and keep the doors to those rooms closed. This will reduce the amount of energy your air conditioner will use to maintain your home's temperature.
• Don't position heat-producing appliances near wall-mounted thermostats. Doing so will make your air conditioner run longer than necessary to maintain your preferred temperature.
• Turn off electric appliances and equipment that you do not need or are not using.
• Postpone using major electric household appliances, such as stoves, dishwashers and clothes dryers until the cooler, evening hours.
• Cook with the microwave instead of the oven. Traditional ovens require far more energy than microwaves, and they produce substantial heat inside your home, making your air conditioner run longer.
For more information, please visit www.firstenergycorp.com.
|Each RE/MAX office is independently owned and operated |
RE/MAX 440, PA
If you are a home owner in the Blue Bell area and are thinking of placing it on the market, this site contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection processes, and receiving a timely market evaluation. This site features houses and condos for sale in Montgomery County, Pennsylvania. Looking for property in and around Blue Bell, Pennsylvania? Residential, Commercial, Land-Lot or Rental, we can help with all your real estate needs. On this Blue Bell real estate site find Blue Bell In Town and Suburban Properties, Land, Lots, Blue Bell Golf Homes for Sale, Luxury Estates, Town Homes, Blue Bell New Homes for Sale, Blue Bell Condos, Town Homes, Real Estate, Blue Bell Luxury Estates, Equestrian Estates and Blue Bell Executive Homes For Sale. Mary Mastroeni with RE/MAX Central - Blue Bell is here to help home buyers and home sellers through the real estate process in Montgomery and Bucks County. Blue Bell Homes for Sale and Blue Bell Real Estate - Buying or Selling Blue Bell Real Estate.
Servicing: Skippack, Blue Bell, Bryn Mawr, Devon, Delaware County, Wyncote, King Of Prussia, Bucks County, West Point, Lafayette Hill, Norristown, Colmar, Montgomery County, Warrington, Worcester, Bala Cynwyd, Villanova, Fairview Village, Eagleville, Narberth, Gwynedd Valley, Horsham, Montgomeryville, Haverford, Gladwyne, Chester County, Conshohocken, Glenside, Lansdale, Line Lexington, Flourtown, Wayne, Plymouth Meeting, Harleysville, Ambler, Philadelphia County, Audubon, Bridgeport, Creamery, Kulpsville, Dresher, North Wales, Mainland, Philadelphia, Lederach, Gwynedd, Chalfont, Fort Washington, Oreland, Valley Forge, Spring House, Cedars, Souderton, Hatfield