RE/MAX 440
Karen Kemmerer
Karen Kemmerer
701 W. Market Street | Perkasie, PA 18944
Phone: 215-453-7653 x1125 | Office Phone: 215-453-7653 | Fax: 267-354-6831
Cell: 267-446-7748 | email: kkemmerer@remax440.com

Perkasie PA Real Estate News

10 Steps to Secure Social Networking

December 16, 2014 4:21 am

According to a recent survey from Internet security leader Trend Micro, just 38 percent of people know how to limit what they post online, further propelling the concern that heavy social media use can lead to identity theft. Put simply, posting information online can be the gift that keeps on giving.

“Most of us are far too trusting with our personal information online,” says Mark Nunnikhoven, vice president of Cloud and Emerging Technologies at Trend Micro. “We don’t realize how quickly little bits add together to form a startlingly accurate picture of our personal lives. This unintentional disclosure of personal data can have very real consequences.”

To mitigate your risk of leaving a trail for cyber thieves to follow, Trend Micro recommends:
1. Only post updates or photos you won't mind sharing with strangers. What goes online stays online.
2. Keep tabs on all your tags and mentions. Getting tagged in a post might seem harmless, but it can also decrease your privacy.
3. Make sure only your intended audience sees your posts. If your friends have less restrictive settings, it’s possible for others to view your information.
4. Never click on a link posted or sent by someone you don’t know.
5. Use a two-factor authentication for all social media accounts, and activate any other security measures you have access to.
6. Check privacy policies and adjust your settings to your comfort level. Keep track of these policies on an ongoing basis – they change often.
7. Double-check your security. Use privacy scanning software to check current privacy settings in different social networks.
8. Report and block spammers. This can help sanitize your feed as well as notify a social media site to take down the spammers’ accounts.
9. Always verify with your contacts any link they send your way, preferably through another form of correspondence.
10. Be careful whom you accept as a friend on social networks. Identity thieves can and do create fake profiles in order to steal your personal information.
Source: Trend Micro

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Buyers: Evaluate a Home's Exterior

December 16, 2014 4:21 am

(BPT) – Buying a home is one of the most important investments you’ll make for yourself and your family. Before making a purchase, ask yourself these four questions. Determining the answers in advance will allow you to enjoy your new home now and in the years ahead.

1. What exterior style speaks to you? Your home is an extension of your lifestyle and a reflection of your personality. When shopping for a new house, contemplate curb appeal. First impressions matter, so it's important to consider architectural style, exterior color and details like trim and landscaping.

2. Is your home protected from the elements? With the climate ever-changing, extreme weather is a reality in all corners of the country. Look for homes with siding and trim products that protect from hurricanes, blizzards, wind, wildfire and more.

3. Is your new home built using sustainable products? Green building continues to be a growing trend, in part because an energy-efficient home can save you money on heating and cooling bills. By choosing a home clad in 100 percent sustainable and efficient material, you're consuming less energy and reducing your environmental footprint.

4. What maintenance will your new home require? Selecting a home made with low-maintenance building materials can lower the chances of large ticket home repairs in the future. Ensure the materials have a strong warranty to protect your investment.

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Four Ways to Reduce Your Water Footprint

December 15, 2014 4:21 am

(BPT) – The U.S. Environmental Protection Agency (EPA) reports that the average American family uses 300 gallons of water each day for everything from brushing their teeth and washing clothes to running the sprinkler and flushing the toilet. But what about other uses for water?

‘Invisible’ or ‘virtual’ water is hidden in the things you eat, products you use and clothes you wear. According to the Value of Water Coalition, 86 percent of all water used is invisible to most consumers because it's used to produce food, beverages and products. One T-shirt, for example, requires 700 gallons of water to manufacture; one car uses 40,000. Growing a single apple requires 19 gallons of water.

"As consumers, we need to focus on the water we can't see to make an even bigger impact in helping the environment, saving money and conserving the world's most precious resource," says Roman Lis, a principal engineer at MWH Global. "The good news is there are simple steps we can take, starting where we live and work.”

MWH Global recommends these four tips to reduce your invisible water consumption:

1. Add up your daily habits. Find out how much water - real and invisible - you use each day as a starting point to determine the best steps to consider in reducing your consumption. You can log your daily habits into the Water Footprint Calculator at www.waterfootprint.org. Choose the extended water calculator, which tallies the water you use at home and the water that's in the food you eat and products you buy.

2. Make simple switches. Consider substituting products that use more water with others that have a smaller water footprint. For example, drink more tap or filtered water instead of buying bottled water. Find favorite recipes that replace or use less meat. (It takes 1,230 gallons of water to yield one beef steak.) Buy more clothes with artificial fibers instead of cotton which is made with more water.

3. Use water-efficient appliances. T
oilets, dishwashers and washing machines use a significant portion of a household's visible water consumption. When it's time to replace an appliance, do your research. Find out the amount of water an appliance uses from the manufacturer's data and compare various products to identify the ones that have the lowest water consumption. Replacing an old toilet, for example, can reduce the toilet's water consumption by 20 to 60 percent.

4. Choose more sustainable products and practices. It's not always easy to know the water footprint of your favorite products since there aren't any labeling requirements. However, some product labels or websites may note the company's sustainable practices, including water, for acquiring, producing and distributing goods. Try to select products you trust as being made in more environmentally and water-friendly ways. Look for companies that have high sustainability ratings.

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Keep Toy Safety in Mind This Holiday

December 15, 2014 4:21 am

Did you know that more than half of the three billion toys and games sold in the U.S. are purchased during the holidays? Though stronger federal regulations and higher toymaker standards exist, a child’s safety is never guaranteed. Bevin Maynard, child advocate at St. Joseph’s Children’s Hospital, notes that appropriate selection and proper use of toys, combined with parental supervision, can greatly reduce the incidence and severity of toy-related injuries.

Maynard suggests:
  • Choose well-made toys suitable to the child’s age, interest and skill level. Contrary to popular belief, age labels are not intended as developmental ratings – they are for safety reasons.
  • Steer clear of toys containing lead paint.
  • When shopping for a child younger than 6-years-old, skip toys with small magnetic pieces.
  • When shopping for a child younger than 8-years-old, forgo electronic toys if they have a heating element, such as a battery or electrical plugs.
  • Avoid toys that produce loud noises. High-volume games can permanently impair a child’s hearing, and loud sounds can frighten a younger child.
  • Do not gift toys with strings, straps or cords longer than 7 inches.
  • Immediately discard plastic wrappings on toys before they become dangerous play things for young children.
  • If giving a ride-able toy, such as a bike or scooter, include a helmet as part of the gift.
Source: St. Joseph’s Children’s Hospital

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Household Expenses: Do You Have FORO?

December 15, 2014 4:21 am

A recent National Foundation for Credit Counseling® (NFCC) poll reveals that the overwhelming majority of consumers surveyed (92 percent) have a fear of running out of money, or FORO.

Root causes of this fear vary. Sixty-four percent of respondents fear they will not having enough money to pay monthly bills, 14 percent fear not having enough funds to comfortably retire, 11 percent fear having enough for unplanned expenses, and 3 percent fear not being able to finance their children’s education.

Finding stable financial ground today will relieve stress and allow planning for future needs to begin. To get started, the NFCC suggests that consumers put the following five steps in place:

1. Begin saving - People without a well-funded savings account are living on a slippery financial slope, as unplanned expenses are inevitable. When money is tight, saving is often low on the list of priorities. To remedy the situation, consider living on a cash basis – people who pay with cash typically save 20 percent over their previous spending with plastic. Pretend that any raise, bonus, birthday money or other windfall money never happened and instead direct it toward savings. Aim to build up the rainy day fund to equal one month’s salary, as this should be sufficient for most short-term emergencies.

2. Track spending
- A leak can’t be plugged until it has been identified, and finding a financial leak starts with tracking spending. Have everyone in the family who spends money write down their spending for 30 days. It is critical to include incidental spending, as small leaks can add up to be big problems. At the end of the period, have a family council to review the spending, making joint decisions as to how the money should be spent moving forward. Make necessary cuts and allocate the money toward the categories that the family determines are most important. The unity that results from this type of decision-making process will likely produce a greater level of success, as everyone will be moving in the same direction.

3. Create a cash-flow calendar
– This is perhaps the easiest step, but will increase financial awareness. On a calendar devoted to finances, record all sources of income and the associated paydays. Next, note which bills are due to be paid during the various pay cycles. If there’s not enough money available to meet a debt obligation on its due date, call the creditor and find out if the date can be moved. This will prevent overdrafts, late payments and fees.

4. Decrease debt - Debt is expensive. Face the financial facts, write down and total the existing debt and associated interest paid each month. The totals may be shocking, but will hopefully spur action. Ignoring the problem will only make matters worse. If help is needed to create a realistic debt repayment plan, reach out to an NFCC member agency.

5. Set goals - Make a list of short-term goals for the next 12 months. Make a separate list of long-term goals. Now go back and include dates and dollar amounts with each goal and decide which can realistically be met. Goals that aren’t achievable only serve to discourage and potentially derail the entire plan. Knowing the objective, timing and financial commitment necessary to meet the goal will bring a sense of purpose to overall spending decisions.

Source: NFCC

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Healthcare Plans: 3 Questions to Ask

December 12, 2014 4:21 am

Whether dealing with a new plan or a renewal of an existing plan, there are many factors patients should consider before taking action, including deductibles, co-pays and drug costs. Patients should also take into account which physicians and facilities are covered under their health insurance plan, and the cost for receiving treatment out-of-network so that they make informed health care decisions. Additionally, patients should make sure to ask their physicians whether they are participating in plans they are considering.

“We want to make sure Americans choose a plan that is right for them and their families in terms of cost and coverage,” says Robert Wah, MD, president of the American Medical Association (AMA). “It is very important that patients look beyond the big print, color-coded plan designations and prices of insurance plans and check the small print details before making their selections.”

The AMA urges patients to thoroughly review all aspects of the plans they are choosing in order to prevent interruptions in care and higher out-of-pocket costs. Consider the following:

1. Are your family's doctors in the plan? If not, what will you have to pay out-of-pocket for office visits or other services your doctor prescribes? Is the plan's directory of participating physicians up-to-date and accurate? Are there physicians on the list who are still accepting new patients?

2. What does the plan cover? What percentage of your health care costs will you have to cover? If so, how much and can you afford it? How much will you have to pay out-of-pocket for the medicines your family needs? Will you be able to use hospitals, labs and other facilities that are convenient to where you live or work? Does the plan provide access to a sufficient number of specialists that you need?

3. Does your primary care physician have to receive permission from the insurance company to refer you to a specialist? Does that rule include specialists you see regularly for a chronic condition? Does the insurer use penalties or incentives to induce physicians in the plan to limit referrals in any way?

Source: AMA

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First-Time Homebuyers Perplexed by Lending Process

December 12, 2014 4:21 am

First-time homebuyers report challenges with understanding the mortgage process and the options that are available to them, according to the J.D. Power 2014 U.S. Primary Mortgage Origination Satisfaction Study(SM).

“From describing what will happen during the process in terms a customer can understand to explaining the benefits of different options, loan representatives set the tone of the experience,” says Craig Martin, director of mortgage practice at J.D. Power. “A potential challenge with first-time homebuyers is that they may be afraid to appear uninformed, so they won’t admit when they are confused or don’t understand something. For a lender to truly stand out, their staff must foster relationships that promote open and honest communication.”

The study reveals that first-time homebuyers want a transparent mortgage process; 43 percent of all first-time homebuyers indicate they do not completely understand the process. A lack of experience and uncertainty about the process may influence how they first inquire about a mortgage; 48 percent chose to meet with local lenders in person for advice tailored to their specific situations.

The study also found:
  • The majority (54 percent) of first-time homebuyers indicate they don’t fully understand the different loan options available to them. Just 41 percent reported thorough explanations of the types of loans, terms, special programs, fees and options to reduce their down payments.
  • Consistent communication is another important factor in a positive borrowing experience. Customer satisfaction falls significantly when loan representatives fail to call customers back as promised.
  • The closing experience is often confusing for first-time homebuyers. Forty-four percent indicate that the closing agent did not completely explain all of the closing documents.
While many mortgage customers obtain information and updates online and by using mobile devices, the study shows that the loan representative is still a key part of the equation. Interestingly, some of the most important things lenders can do to deliver a great experience remain heavily reliant on human interaction.

Source: J.D. Power

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Real Estate Transaction Roles Explained

December 12, 2014 4:21 am

Real estate transactions are complex and, at times, confusing. Clients can better understand this course of action by knowing who they’re working with and what role those individuals play. Whether seeking to buy or sell a residential home, expect several parties to be involved in the process. Brokers, agents and attorneys are among the most common:

Depending on whichever unique business model the firm utilizes, brokers typically have the same qualifications as an agent, but their roles are to primarily supervise other agents. Commissions from sales are often paid to the brokerage, then allocated to the agent involved in the transaction.

Agents
are at the forefront of the buying and selling process. Real estate agents work directly with clients to either secure a home at their desired price point and in a coveted location, or to generate buyer interest and ultimately find a new owner for your home. An agent can represent either a buyer or a seller, and both agents frequently communicate.

Once a transaction between a buyer and a seller is under contract, a real estate attorney facilitates a smooth close. The responsibilities of an attorney vary, but some common duties include explanation of the terms of the mortgage, review of purchase agreements and investigation of the backgrounds of properties.

Source: Zillow

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What's Under There? The Pros and Cons of Crawlspaces

December 11, 2014 4:21 am

In our last report, I got the down-low on the pros and cons of building on, or purchasing a home constructed on a concrete slab. So in this segment, we'll go back to Andrew M. Dennis at Donan Solutions, a third-generation engineering firm that began in 1947 in Madisonville, KY, for his take on crawlspaces.

Dennis says the long-term performance of a crawlspace is greatly affected by the critical aspects of the presence of proper lot grading, adequate site surface water drainage, and a proper landscaping plan. And he adds that concrete slabs and crawlspace foundations present about the same number of advantages and disadvantages.

One advantage of building or buying a home with a crawlspace, is the heating and air conditioning ductwork and plumbing can be installed in it and be easily maintained.  Any required repairs to these systems will be less expensive due to better accessibility.  

A crawlspace elevates a house, Dennis notes, making it less susceptible to termite damage. And crawlspaces can be constructed on sloped lots using tiered concrete footings; however, the lot’s grading plan must provide adequate drainage to prevent damage from adverse surface water drainage.

Excess moisture in a crawlspace is a common occurrence and can have severe consequences if not addressed in a timely manner, Dennis points out. Stormwater and gutter overflow slopes toward the house and into the crawlspace and are sources of moisture that must be prevented or can damage the wood floor system above.

Dennis says a sheet of plastic with seams overlapped and taped works well as a vapor barrier to prevent the upward transmission of ground moisture. Adequate ventilation of the crawlspace must also be planned for and implemented in order to prevent the harmful effects that condensation can cause to the wood floor system above.

Dennis says the design and construction of either a concrete slab or conventional crawlspace foundation should be tailored to the geography and climatic conditions that it is expected to perform under.

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Warm up Your Home in Style This Winter

December 11, 2014 4:21 am

With winter temperatures set to fall to frosty levels, many families will be spending time at home this season. Despite the weather, homeowners can create a warm atmosphere by tapping into the unexpected beauty found during the winter months.

“Though it is often overlooked, winter is the perfect season to draw inspiration from with a palette of rich, on-trend colors, adding a sense of warmth within in the home,” says Julie Richard, Ace Hardware design expert.

Ace’s design experts recommend pairing winter color trends with smart design for cozy indoor get-togethers:
  • Casual elegance is trending this winter. Create an accent feature in the kitchen by painting a set of mismatched breakfast room chairs in the same color for a unified, unrefined look that is both pulled together and relaxed.
  • For a timeless, layered look, mix and match different elements in the same color. Go for a glamorous neutral palette with a classic fur throw, a thick and luxurious white flokati or shag rug, knit wool throw pillows and classic tweed upholstery fabrics. This touchable palette is classic and chic in tones of gray, taupe and ivory and is the perfect warm up to the cold weather.
  • Try this chic, unexpected update to the outside of your home to catch every neighbor's eye this season: window frames, mullions and muttons painted in very dark colors.
  • Bring in tile accents. Rather than a glass accent tile, look for a hand-painted, glazed and natural tile to achieve a classic look. Concrete tiles with color and pattern are a great update for a modern treatment.
  • Comfort and coziness are a must as the weather cools down. Utilize natural materials throughout your home, such as wood and antiqued leather. Add cut white birch logs to your fireplace for a warm update and try an upholstery piece covered in an antique-style woven rug to add rustic flair.
Source: Ace Hardware

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