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

Perkasie PA Real Estate News

Pet Insurance: Worth the Cost?

August 4, 2014 2:57 am

The pet insurance industry, which has grown exponentially since TV star Lassie was first insured in the 1980s, offers more options to pet owners today than ever before – at rates that vary widely. For owners who consider Fido or Cuddles part of the family, the question is: is insuring them worth the cost?

As with life insurance for humans, the younger an animal is when covered, the cheaper the premium will be. Beyond that, say researchers at PetRX.com, pet owners need to weigh the pros and cons of insurance to decide what’s right for them.

The Pros:
  • Advances in veterinary medicine make it possible to treat pets with new surgical techniques, chemotherapy and other therapies that help prolong life. But it is expensive, and insurance can make it affordable.
  • Coverage can be customized with varying deductible amounts, accident-only options and other choices that impact the amount of the premium you pay.
  • There are more pet insurance companies than ever to choose from, making it easier to select the exact coverage and riders you want – such as dental care or prescription-only.
The Cons:
  • Because cost is not an issue, an emotional owner may agree to treatments that may prolong the pet’s life for only a short time – and with questionable quality of life.
  • You need to examine the fine print of your policy, as some pets may turn out to be uninsurable due to age or certain applicable exclusions, such as conditions that are considered common to a particular breed.
  • Studies show you are likely to pay out more in premiums than you will ever get back in service. According to Consumer’s Report, owners might be better off to skip insuranc premiums and put money aside in a special savings account to be used in the event of a pet emergency.

Published with permission from RISMedia.


Set the Mood for Summer at Home

August 1, 2014 2:21 am

(Family Features) Creating a happy, energized home during the warmer months starts with getting organized. Set the mood for summer with these fun, simple and creative tips:

Get “chore-ganized.”
Before heading off to bed, take a few minutes to do basic prep work for the next day: slicing fruit for breakfast, portioning out sandwich meat for lunch, laying out clothes for the next day. Finish up by swiping counters for a clean slate in the morning. Taking care of a few chores the night before provides a few extra minutes to spend with the kids or relax over coffee before the start of a new day, which will give your mood a much-needed boost.

Cut down chore time.
Improve your mood by checking laundry off your to-do list. Streamline the process by clearing up clutter and creating plenty of open room for sorting and folding. Put all of your laundry-related items on shelves within reaching distance of the washer and dryer. A mounted ironing board is perfect for smaller spaces – you can keep it out of the way, yet easily accessible.

Elevate the ambiance.
Sensory triggers can affect your mood in positive way. Create a relaxing environment with lamps, dimmer switches and candles. Choose light bulbs that mimic natural light. Consider hanging a fixture in the center of the room and additional smaller lights around the periphery to create a wash of warm, beautiful light and eliminate any dark, shadowy spots.

Source: Snuggle

Published with permission from RISMedia.


Protect Your Home Financially From Disasters

August 1, 2014 2:21 am

The Insurance Information Institute recommends that homeowners take time to review their insurance policies to ensure they have the right amount and type of coverage before disasters wreak havoc. Properly insure your home with these five tips:

1. Review Insurance Before You Experience a Loss
Read the Declarations (“Dec” or front) page of your policy, as it provides a useful summary. Review all policy documents and contact your insurance professional with any questions.

2. Understand Which Disasters Are Covered
Hurricanes, windstorms and tornadoes are covered by standard homeowners and renters policies. Floods and earthquakes are not covered—you must buy separate policies for these disasters. Coverage for flooding and storm surge is available from the National Flood Insurance Program and from a few private insurance companies. There is a 30-day waiting period for flood insurance to go into effect, so buy it now if you need it.

3. Have Enough Insurance

Get enough insurance to rebuild your home and replace your personal possessions. Know the difference between replacement cost and actual cash value coverage; understand your additional living expense coverage; and consider getting law and ordinance insurance so you can rebuild to current building codes.

It is equally important to have an up-to-date home inventory to ensure your personal belongings are properly covered and to help file a claim. If you are a renter and don’t have an insurance policy, now is the time to get one.

4. Understand Your Deductibles
A deductible is the amount you pay out of pocket for a loss before the insurance coverage kicks in. Know the difference between a standard dollar deductible and wind or hurricane deductibles, and when they would be applied. This information is available on the Dec page.

5. Consider Special Coverages
You may want to get coverage for sewer backup if you live in an area with an aging infrastructure. Consider a floater or endorsement for expensive jewelry, artwork, musical instruments or collectibles.

Source: Insurance Information Institute

Published with permission from RISMedia.


Residents Give High Marks to Community Associations

August 1, 2014 2:21 am

The more than 65 million Americans who are part of homeowners associations or living in condominiums are overwhelmingly satisfied with their communities, according to a national survey released by the Community Associations Institute.

Almost two-thirds of community association residents rate their overall association experience as positive, while 26 percent are neutral on the question. Only 10 percent express some level of dissatisfaction.

The survey also revealed that:
  • 90 percent of residents say association board members serve the best interests of their communities
  • 83 percent say they get along well with immediate neighbors
  • 92 percent say they are on friendly terms with their association board members (the homeowners who are elected by their neighbors to govern the community)
  • 83 percent say their community managers provide value and support to residents and their associations
  • 70 percent of residents say their association rules protect and enhance property values
The typical community association is governed by homeowner volunteers who are elected by their fellow owners to set policy for the community. Smaller associations with limited budgets may rely on resident volunteers for various management responsibilities, such as accounting functions and assessment collection, while larger associations contract for the services of a professional community manager or association management company.

More than two million Americans serve as volunteers on community association boards and committees.

Source: Community Associations Institute

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Five Tips for Air Conditioner Maintenance

July 31, 2014 2:09 am

The season’s warm weather means homeowners will be increasingly reliant on air conditioning to make the long, hot days more tolerable. Keep in mind these five maintenance tips to keep air conditioners running smoothly through the summer months.

Combat moisture - Air conditioning systems should not have moisture within the refrigeration system. Most systems have moisture indicators located on the high or low-pressure lines. Once the system is running and the compressor has started, a color indicator on the pressure line will show if moisture is present. If moisture is in the refrigeration system, a trained air conditioning technician will have to vacuum the line and make any necessary repairs.

Clean air conditioning condenser coils - At a minimum, air conditioning condenser coils should be cleaned at least twice a year. It is best to clean the condenser coils before starting the system for the season and again when the weather starts to get hot for prolonged periods of time. Typically the second cleaning will be done in July or early August. If the system is located near trees, it may require additional cleanings to keep debris from entering the system and blocking the coils.

Maintain the evaporator coil - The evaporator coil is an important part of an air conditioning system. Air conditioning evaporator coils are used to transfer heat. The heat transfer surfaces should be kept clean so airflow is not obstructed. Homeowners should ensure filters are present, clean and changed out regularly.

Inspect for leaks - Air conditioning units should be checked for any leaks that may have occurred when it is not in operation. Air conditioning systems should also be checked during operation and after the system has been shut down. Preventative maintenance can keep repairs and costs down. Checking for leaks will prevent air conditioning systems from sustaining more damage, and it is also good for the environment.

Understand normal air conditioning operation - The best way homeowners can tell if something is wrong is by understanding how the air-conditioning system should sound and appear. If the system is vibrating loudly, making abnormal sounds or not performing the way it was, you will want to have it checked by a licensed technician.

Source: Aire Serv

Published with permission from RISMedia.


How to Evaluate Long-Term Care Insurance Costs

July 31, 2014 2:09 am

Why would a 60-year-old New York couple pay $3,250 yearly for long-term care insurance when virtually identical coverage costs $1,800, some 57 percent less?

According to a policy cost comparison recently conducted by the American Association for Long Term Care Insurance, it is because prices vary depending on state, marital status, and pre-existing medical conditions. The addition of new policies on a regular basis also creates challenges for insurance agents, financial advisors and policy holders.

Comparison shopping on your own is virtually impossible for consumers, experts advise. Health sweet spots exist in all three categories, but plans must be evaluated individually to ensure the policy holder saves the most money.

When deciding who will evaluate and cover you or a loved one’s long-term care, consider these questions:

How long has the insurance agent been selling long term care insurance?
"A minimum of three years is suggested, though five or more is going to be better," Jesse Slome, executive director of AALTCI, notes.

How many policies have they sold?
"A long term care insurance specialist will have helped at least 100 individuals get coverage, though many will have helped 500 plus," he adds.

Is the financial advisor or insurance agent appointed with multiple insurance companies?
"‘Appointed’ is insurance industry jargon that means they can actually sell that company's policy. At the end of the day, an agent is only going to recommend and tell you about policies they can actually sell," he shares.

Source: American Association for Long Term Care Insurance

Published with permission from RISMedia.


Three-Quarters of American Homeowners Have Used a Real Estate Agent

July 31, 2014 2:09 am

According to the results of a housing survey recently released by BMO Harris Bank, three-quarters of homeowners have used a real estate agent.

"While a notable number of Americans feel they could buy or sell a home without a real estate agent, our survey tells us that when the time came, the majority of homeowners did seek the added professional help and enlisted an agent," said Kevin Christopher, Head of Mortgage Sales.

Word-of-mouth is the top way that home buyers select an agent (41 percent), followed by:

• Past experience (22 percent)
• Reference from bank (9 percent)
• Advertising or a flyer (9 percent)
• Came to the door (2 percent)

The survey also asked Americans about where they felt real estate agents had the most value-add. The top three benefits for having an agent when buying are:

• Handling paperwork (67 percent)
• Having someone who understands market value (59 percent)
• Access to market information (53 percent)

The top three benefits when selling are:

• Handling paperwork (64 percent)
• Advertising the home to bring in offers (58 percent)
• Having someone to price the home appropriately (57 percent)

Source: BMO Harris Bank

Published with permission from RISMedia.


Cleaning Your Hardscapes

July 30, 2014 1:57 am

In our last report, I began examining the value and enhancement homeowners can bring to their hardscapes - driveways, patios, pool decks, walkways and many other applications - through proper protection and sealing.

But before you seal, homeowners must be sure their hardscapes are properly cleaned and prepped. The folks at Illinois based Surebond, a manufacturer of joint stabilizers, sealers, cleaners and adhesives for most hardscape installations, offer the following advice before you clean:

ALWAYS TEST FIRST - Choose an inconspicuous spot to test before carrying out a full cleaning.

ACT QUICKLY - Attacking a stain as soon as possible reduces the likelihood of it setting into the surface.

WORK UP THE SLOPE - Starting at the bottom of a sloped pavement allows cleaning fluids to drain down.

Now it's time to get down to business:
  • For fresh stains with un-absorbed oil on the surface, Surebond recommends you put down kitty litter or sawdust to soak up the stain. Then clean up after a few days.
  • Older oil stains can be complicated to remove completely but boiling water can help lift the stain. Blot area with absorbent cloth and repeat as needed.
  • For food, grease from your grill, or beverages, apply liquid dish detergent at full strength and allow it to penetrate for 20 to 30 minutes. Then scrub and rinse with hot water.
  • For stubborn stains, use a professional cleaner and stain remover, and for gum, scrape off any excess and scrub with naptha or mineral spirits. Then, rinse area thoroughly with hot water.
  • If you spill fresh paint, blot immediately with a rag or towel; do not wipe as this may spread paint. Soak the area and scrub with hot water and a stiff brush.
  • For dried paint, Surebond says to scrape any excess paint off of the surface. Apply a commercial paint remover and do not rub the loosened paint into the surface.
  • For mortar, let material harden and carefully remove spots with a trowel, putty knife or chisel.
  • Finally, there is efflorescence - the whitening that occurs naturally as water evaporates bringing salts to the surface. To remove efflorescence as well as other mineral deposits like rust and hard water stains, use a professional efflorescence and rust remover and follow all instructions on cleaner label.

Published with permission from RISMedia.


Five Tips to Remove Outdoor Stains

July 30, 2014 1:57 am

Engaging in outdoor activities is a great way for families to stay active and spend quality time together, but between tree-climbing, nature hikes, and backyard barbecues, outdoor adventures can lead to piles of dirty, dingy and stained clothing.

Unwanted stains from dripping ice cream cones to grass and dirt can easily ruin clothing, especially white or light-colored apparel. Maintaining bright, spotless clothing doesn't have to be complicated. Use these tips to combat stains:
  • Act quickly: If possible, begin treating the stain immediately. For stains on the go, try applying club soda with a clean white cloth napkin. If none is available, just try and keep the spot wet with an ice cube until you can get home and wash.
  • Don't let laundry sit: As a general rule of thumb, the longer the stain sits, the harder it will be to remove. Ensure stained clothing makes its way to the laundry room, rather than sitting in your child's bedroom or hamper for several days.
  • Soak clothes: Remove tough stains with little effort by pre-soaking colorfast clothing overnight in a solution of stain remover and warm water.
  • Evaluate clothes before drying: The dry cycle can permanently set stains, so scan clothes to make sure the items are completely stain-free before putting them in the dryer. If any spots remain, pre-treat and run it through the wash cycle again.
  • Keep your washer and dryer clean: Make sure to periodically clean your appliances to get rid of any built-up residue to keep your clothes as clean as possible. Run an empty wash cycle with hot water and two cups of white vinegar to thoroughly clean the washer. Then, vacuum the lint trap and vent on the dryer to keep it running in tip-top shape.
Source: OxiClean

Published with permission from RISMedia.


How to Hang a Hammock

July 30, 2014 1:57 am

Whether you’re spending your summer curled up with a favorite book, listening to music or just enjoying the view, hammocks are the perfect spot for outdoor lounging. They require almost no maintenance once they’re hung up, but hanging one is no easy task. String your hammock up quickly by following these steps:

1. Weigh your options before purchasing. There are two common types of hammocks: traditional, which are designed to hang loosely, and ones with spreader bars, which keep the hammock taut. Spreader bar hammocks keep the hammock open, so no one gets wrapped up in the material.

2. Select your support. Choose two, sturdy trees that show no signs of rot. Maple, oak or beech varieties work best. Traditional hammocks must be hung 6 to 8 feet above the ground, to accommodate the material dipping. Spreader bar hammocks can be hung 4 to 5 feet from the ground.

3. Measure the distance. Whether you have a traditional or spreader bar hammock, try to use trees that are distanced enough so that your hammock is stretched out completely. In most cases, trees are not placed ideally and homeowners will have to extend the hammock with a chain. Make sure the chain isn’t more than 18 inches on either side to avoid tearing.

4. Hang it up. Secure the hammock with tree-fastening straps, which sometimes come with the hammock. If you’re buying separately, look for straps that have a loop and a metal ring. Attach the straps with S-hooks to the hammock, and enjoy your new backyard retreat.

Source: Zillow Blog

Published with permission from RISMedia.