RE/MAX 440
David J Feinberg

David J Feinberg
4789 Route 309  Center Valley  PA 18034
Phone:  610-509-4358
Office:  610-791-4400
Fax:  610-791-9575

My Blog

Parents Spend 26.7 Billion Dollars in Back-to-School Gear

August 14, 2013 1:42 am

While parents report spending on average $90 per child on school supplies each year, a recent national survey shows that many of those pricey items will be lost. Michelle Brandriss, a mom and founder and CEO of Name Bubbles, advises parents to "label it or risk losing it; help keep items coming home."

Before the back-to-school season, Name Bubbles asked parents across America, between the ages of 18 and 44, a series of questions in an effort to learn more about one of the busiest times of the year. Of the more than 400 parents surveyed, 80 percent admitted that their children lost items at school last year. Of those parents, 73 percent never recovered the lost and unlabeled school supplies, and 27 percent spent more than $50 replacing those lost items. In contrast, the parents who did label their children's school supplies always recovered their lost items.

"Organization is the key to a successful school year," said Brandriss. "Whether you label school supplies, backpacks, jackets, or sports gear, name labels help students keep track of their belongings and avoid having them end up in the lost and found."

Most Frequently Lost Items and Percentage of Kids Who Lose Them:

1. Hats and gloves - 57%
2. School supplies - 52%
3. Outerwear - 43%
4. Lunch boxes - 36%
5. Book bags - 14%

Source: NameBubbles.com

Published with permission from RISMedia.


Tags:

The Eight Best Reasons to Use a Professional Pest Control Company

August 14, 2013 1:42 am

Many people consider themselves would be "do it yourselfers" and with all the information available online, it makes sense that many household projects can be undertaken by a layman or weekend hobbyist. When dealing with pest control issues, however, it may be a better idea to let a pro handle it instead of just buying some poison and going to town.

Here are the best reasons to use a professional pest control company when you have a pest problem in your home:

8) Discount for Additional Services – Generally, the more services you purchase from your exterminator the more you save per service. As a result, each service becomes cheaper per service.

7) Referral Discounts – Many pest control companies offer discounts to clients who successfully refer them to their friends. This is a way to get money back for a service you have already purchased.

6) Exclusion Services – Once your exterminator has indentified the causes of your pest issues, he/she can either perform the corrections to the structure or recommend someone who can. By changing these conditions, pests are less likely to return.

5) Prevention - You pest control company is a wealth of knowledge when it comes to ways to prevent pests. They will assist you with information on what you can do to prevent termites, ants, roaches and more.

4) Identification – Not sure what the pest is that may be bothering you? Your exterminating company will be able to get an ID of the pest, even if you are not covered for that pest. Maybe you have a mysterious bite; again the pest control company can help.

3) Formulating a Plan – A professional exterminator understands the needs of your home or business. So he/she will formulate a planned approach to the implementation of service to aide in eliminating and reducing a pest invasion.

2) Risk– Using pest control products comes with a risk to your health, the health of your family and the environment. Pest Control companies are not only trained to use pesticides safely, they are also regulated by state and national laws that help protect non target animals from exposure to the insecticides.

1) Cost – The purchase price for an insecticide is generally cheaper for a professional exterminator since they are able to purchase their products at a wholesale price and in bulk. More importantly, they will use the right product for the pest that is infesting your home or business. Knowing the insect and the correct product to use is half the battle. Ants are not just ants, for example. Different species of ants may require a different type of product and application. You as the property owner may not be able to properly identify the pest; hence, spending more money on products in an attempt to correct your pest issue.

Source: Earth’s Best Pest Control

Published with permission from RISMedia.


Tags:

The Lifespan of an Appliance: How Long Should They Last?

August 13, 2013 7:40 pm

Maybe it’s not the eternal question, but I found myself asking it most recently as I was lying on the wet floor ratcheting the drive motor out of my seven-year-old front-loading washer. The question was: “How long is this appliance supposed to last, anyway?”

Sure, we all know the lifespan of any mechanical device depends on dozens, maybe even hundreds or thousands of factors over time from the original parts assembled in the factory, to the frequency of use (or abuse), we as owners exact on our mechanical servants.

But this time, it seems we have an answer to that vexing question thanks to a highly touted study called: ‘The National Association of Home Builders (NAHB)/Bank of America Home Equity Study of the Life Expectancies of Home Components.’

Gopal Ahluwalia, staff vice president for Research and Surveys in NAHB’s Economics Group says, “…We learned that many home components are expected to last for the life of the house. Among them are toilets, wood floors, all types of insulation, and fiberglass, steel and wood exterior doors.

“On the other hand, some components have a much shorter life expectancy,” he adds. “Wood decks should last about 20 years, depending on climate, and kitchen faucets should last about 15 years. Linoleum floors have a life expectancy of about 25 years, and furnaces can be expected to last 15 to 20 years.”

Usage, weather and a number of other factors can influence life expectancy.

Moreover, homeowners often replace items long before the end of their expected life span due to personal preferences and changing trends.
“For example,” Ahluwalia says, “the practical life expectancy of kitchen cabinets is about 50 years. However, many people buying a 15- or 20-year-old house would make installing new, updated kitchen cabinets a priority. Likewise, some homeowners paint their homes every year or two, even though interior paint has a practical life expectancy of about 15 years.”

By the way, in consulting the report, I learned my washer in particular was expected to last about 10 years. That means with the extra wear and tear of handling greater than average load size and frequency during its 7-year life, I’m probably better off replacing it for around $600, than paying more than $200 for just a replacement motor.

Published with permission from RISMedia.


Tags:

10 Money-Saving Tips to Turn Regular Back-to-School Shoppers into Savvy Consumers

August 13, 2013 7:40 pm

As parents and students prepare to shop for everything they need for the coming school year, PriceGrabber® offers ten money-saving tips you can use to save big.

According to a recent survey, 68 percent plan to spend up to $500 this back-to-school shopping season," said Sharon Banfield, director of public relations at PriceGrabber. "With a little homework, budgeting, and creativity, shoppers can easily reduce this number and get the most for their buck this year."

1. Take a household inventory. Scan the kitchen, office, bedrooms and the rest of the house for miscellaneous supplies. Take an inventory of the findings and then compare this to your kids' supply lists. The findings will most likely cover many items on the lists.

2. Make a list with a budget and stick to it. When planning a budget for this year's back-to-school shopping, start by making a list and separating "must-have" items from "wants." This doesn't mean you can't indulge in some trendy gear, just shop for necessities first. Take a look at how much you spent last year and challenge yourself to spend less this year.

3. Involve the (older) kids. Turn back-to-school shopping into a family activity by charting out the budget in a creative way with your children. This will help teach them to budget while you bond as a family. However, if you have young kids consider leaving them at home to avoid getting distracted from your shopping list.

4. Host a clothing exchange with other parents. Invite about 12 to 15 parents with children of similar ages, sizes and genders over to exchange kids' clothing. Have guests bring about 10 clean items in good condition so that they can leave with 10 different pieces in similar condition. Even if only a few items fit, everything was still free.

5. Shop online and look for free shipping. Skip the crowds and shop online. Comparison-shopping sites can save consumers money on popular back-to-school items like tablet computers, backpacks, dorm room furniture, and basic school supplies. Look for retailers offering free shipping to save even more.

6. Use your mobile device as a shopping aid. If shopping a brick-and-mortar store sale, use your smartphone to ensure the sale price is really the best deal in town.

7. Shop end-of-summer sales. Stock up on summer clothing which can be worn well into the fall. Sweaters and leggings can be paired with summer shirts and dresses for an easy transition into the cooler months. Microwaves, storage bins, tool kits and other dorm room must-haves are also a part of the summer clearance sales.

8. Follow your favorite shopping sites on social media. Be the first to know about special offers from your favorite retailers and shopping sites. Some retailers may offer exclusive back-to-school discount codes or coupons.

9. Buy in bulk. Pencils, markers, printer paper and other supplies are always in high demand. Spend a little more money now and buy large quantities, which will give you cheaper supplies needed later in the year.

10. Personalize. Jazz up inexpensive, plain school supplies such as notebooks and folders with stickers. Let your student get creative and personalize their items so they don't get mixed up with other students' supplies. There's a better chance you won't have to spend money on lost items later in the year.

Source: PriceGrabber®

Published with permission from RISMedia.


Tags:

Simple Ways to Improve Personal Finances

August 13, 2013 7:40 pm

(Family Features) As more Americans make strides towards responsible spending and debt management, there are still ways to improve the control of family finances.

According to a recent survey, less than half of cardholders always pay their entire credit card balance. With more than half of individuals carrying credit card debt, there are ways to promote good spending and personal finance habits, such as:

Limit Number of Credit Cards

Limiting the number of cards you own can help limit your spending and increase the likelihood you can pay above the minimum balance. Before you start cutting up your plastic, remember having more than one credit card can have merits. One idea is to have three cards: one in a safe place at home for emergencies and two with you at all times.

Reap the Rewards

Use the rewards programs available to credit card holders to cash in on things your family really needs. Whatever rewards you are seeking, there is likely to be a card suitable for you.

Evaluate All Debts
Many carry debts beyond credit cards, including student loans, car payments and mortgages. Evaluate your debts and decide which ones have the highest interest rates. Making it a priority to pay down these debts first will save you more money in the long run.

Create a Budget
It’s never too soon to put yourself in control of your money and stop letting it control you. A budget will give you financial peace of mind and it can help you stretch the income you have. Calculate your income and expenses and set your monthly budget. Though you may not be on-point every month, the simple act of tracking your spending will be a huge step forward in your quest towards responsible spending.

Source: BOA

Published with permission from RISMedia.


Tags:

Tips for Securing Your Summer Home for the End of the Season

August 13, 2013 7:40 pm

Many homeowners close their home by shutting the door, locking it and setting the alarm. If you own a home that you won’t be living in for months at a time, this simply isn’t enough to guarantee security.

According to Chris Falkenberg, a former U.S. Secret Service Agent and president of Insite Security, an unprecedented amount of people fail to take the necessary steps to ensure their homes are properly protected for the fall and winter months. While working with clients and companies on risk preparedness and physical security planning, Falkenberg suggests the following tips for keeping homes safe while you’re away.

Have a Professional Check Your Alarm
Having a professional check your alarm system on an annual basis can help ensure that you are never prone to failures when your safety and security is on the line. A trusted and experienced electronic security installer will be able to assess your system prior to closing the house up for the season to determine if any part should be replaced in a preventative nature. “Like any other electrical component, alarms will fail as some parts simply wear out. You don’t want them to fail when you need them most,” says Falkenberg.

Close Contacts
If your alarm is set off, someone needs to be alerted that something is awry at your home. If you live too far away to travel to the home yourself, having a family friend or contact in the community that is available on short notice to go to the house and open the door for police is a must. Police can then conduct outside inspections and look for indoor damage from water or excessive cold and hot temperatures. Your alarm will detect the problems but it is the response to those signals and the further analysis that gives the alarms their best value.

Assess Fire Risk before Leaving
Fires are a huge risk to summer homes. It’s extremely important to make a thorough assessment of fire risk, both as to what equipment can be put in the house to prevent fire and also what kind of insurance coverage you should have if a fire does occur in a closed summer home. Falkenberg recommends having your insurance placed into effect by an independent agent who writes insurance for many different carriers and one who will make sure that all your valuables are covered. You don’t want to find out that you weren’t adequately covered after an incident occurs.

One fire risk that is always an issue is turpentine, other types of flammable cleaning liquids and the rags used for cleaning and finishing, says Falkenberg. Homeowners often leave dirty rags and flammable objects around to spontaneously combust. Though the risk has been known forever, it’s a common mistake often overlooked. Be aware of this if you are renovating, and make sure the contractor is cognizant of this as well.

Install a Sprinkler System if Possible
If you are building a new summer house, installing a residential sprinkler system is a smart idea. Sprinklers can greatly reduce the risk of fire, however, because they cannot be turned off remotely or electronically. They can also be a prime source of water damage. Have an important contact ready on call, and make sure they know where the water values are to shut off the system.

Other Measures Do Not Replace Strong Locks
Just because you have an alarm system doesn’t mean you should neglect having strong locks in place. Secure your home with extra deadbolt locks prior to closing. For houses with lots of glass exposure, consider security window film to make it harder to break.

“The important thing to take away is that this is a starting point—a series of things to think about when trying to consider security risk and mitigating that risk,” says Falkenberg. “People need to focus on themselves and then make sure their security is squared away, or alternatively, get somebody who knows a lot about security to help advise them or safeguard them while they’re away.”

Published with permission from RISMedia.


Tags:

Save Cash with These Summer Cooling Tips

August 13, 2013 7:40 pm

Although we seem to be nearing the end of the summer, there's still plenty of heat left, and it's important to stay cool and safe these last few weeks. Why not save a little money in the process?

Although the weather can impact your energy use, there are some simple ways to lower your electric bill.

The average homeowner spends about $1,900 a year on energy costs, with summer cooling contributing a large part to the total. Of all your summer electric use, air conditioning is the number one cause of higher energy bills.

But whether you run air conditioning or fans to prevent that hot-weather meltdown, the following tips, provided by DTE Energy, will help you stay comfortable without overloading your checking account:

• Increase your thermostat setting. For every degree you increase your thermostat above 72 degrees, you'll reduce your cooling costs by up to 3 percent. Better yet, install a programmable thermostat and let it automatically adjust the setting for you – and apply for a $10 rebate! Find out how at dteenergy.com/energystar.

• Change or clean your furnace filter once a month. A dirty filter restricts airflow and can cause your air condition unit to run longer. Vacuum registers and vents regularly, and don't let furniture and draperies block the air flow.

• Use ceiling fans to assist your air conditioning. Set them to run counter-clockwise (or downward air flow), which provides better air circulation. Remember to turn them off when you leave the room.

• Close blinds, draperies and shades on windows facing the sun to block out the heat, and wait until cooler times of the day to run your dishwasher or clothes dryer.

• Have your central air conditioning unit tuned-up by a professional, plus clear away weeds and debris so that air can circulate freely around the unit.

• One last tip – Be sure to drink plenty of fluids in hot weather and enjoy the summer!

Source: DTE Energy

Published with permission from RISMedia.


Tags:

Take Time to Tackle Home Maintenance

August 13, 2013 7:40 pm

(Family Features) Keeping a healthy home for your family means more than daily chores and the occasional deep cleaning. It’s important to add inspections of often overlooked areas and regular maintenance to your list of tasks.

“Every home can have unhealthy, harmful, or even hazardous areas,” said Mike Holmes, a contractor on HGTV and healthy home expert. “It’s important to check them out, especially during regular maintenance. Addressing these ‘hidden hazards’ helps create a healthy home and keeps your family safe.”

Holmes recommends following his “SAFETY” checklist:

S - Seek out lead in the home.
If your home was built before 1978, it could contain lead. If you disturb any material that contains lead, tiny lead particles could become airborne at home. Talk to a professional to test the entire house, and take the necessary steps to ensure your family’s safety.

A - Address indoor air quality and change your air filter.

According to the U.S. Environmental Protection Agency (EPA), indoor air pollution levels can be 2 to 5 times higher than outdoor levels. Use an electrostatically charged air filter to help capture odors and airborne particles, such as mold spores, dust mite debris, bacteria and viruses. Plus, changing your filter at the start of every season helps protect and maintain your system.

F - Fix leaks to prevent mold and mildew.
Mold spores need moisture to grow and thrive in warm, humid conditions. Inspect your home for excess water and moisture build-up from leaky roofs, faucets, basement drains, dishwashers and washing machines, and fix them immediately.

E - Exercise caution around appliances.
Before using appliances such as space heaters and toaster ovens, make sure they are working properly. Never drape an electrical cord over a sink. Also avoid overloading wiring or plugging too many appliances into a single wall socket. Be sure to unplug appliances when they’re not being used, and cover sockets with outlet protectors.

T - Test for dangerous gases.
One out of every 15 homes in the U.S. has dangerous levels of radon, according to the EPA. You can purchase a short-term home radon test for less than $20. Test the lowest lived-in level of your home, and if you have elevated levels of radon, call a qualified contractor immediately. Also, test smoke and carbon monoxide detectors every month by pushing the test button on the unit. Remember to change the batteries every season, and replace the entire unit every 7 to 10 years.

Y - Yield healthier results with regular upkeep.

Keep up with regular home maintenance to help keep your home healthy and your family safe. Fix small problems now to avoid big repairs later. Remember, big repairs come with big price tags and can lead to unhealthy and unsafe living conditions.

Source: 3M

Published with permission from RISMedia.


Tags:

How to Keep a Speeding Ticket Out of Your Summer

August 8, 2013 1:58 am

(BPT) - Want to know how to avoid a speeding ticket? Easy - don't speed. But even the most law-abiding drivers with flawless records can make mistakes and find themselves pulled over. In fact, 34 million people in the United States receive speeding tickets each year, according to the National Motorists Association.

A ticket can raise insurance rates and tarnish your driving record, according to FindLaw.com. If you get arrested or fined for other traffic violations, those tickets can lead to stiffer fines and penalties.

"The big rule of speeding tickets is that most come at the discretion of the police officers involved," says Don Cosley, a criminal defense attorney of the Cosley Law Office in Chicago. "Unless the officers are working a state or federal grant where they are required to issue traffic tickets, how you interact with a police officer will play a considerable role in whether you drive away with a warning or a ticket."

"Always cooperate with law enforcement officers," Cosley says. "They've heard every excuse in the book. If you immediately start arguing or making smart comments, your chances of driving away with a ticket increase."

Here are some additional tips from FindLaw.com on how to avoid a speeding ticket:

• Watch for posted speed limit signs. According to a 2013 survey by Insurance.com, the top excuse for speeding is, "I didn't see the sign." The safest way to avoid a speeding ticket is to carefully watch posted signs and not exceed the limit. Even five miles per hour over the speed limit can land you a ticket - particularly near schools, road construction zones and other hotspots where police try to increase safety.

• Give yourself plenty of time. If you're running late, you're more likely to speed. One simple trick you can do to build in some travel time is to set your house clocks a few minutes ahead. Remember, you'll arrive even later if you get pulled over.

• Keep a clean driving record. Police cars are often equipped with computer systems that allow law enforcement to instantly look up your driving record. A driver with a clean record is more likely to be let off with a warning than one with several traffic violations.

• Stay off your cell phone. Cell phone use is legal in some states and illegal in others, but distracted driving should always be avoided. If you are observed speeding and using your phone at the same time, it will dramatically boost your odds of driving away with a ticket, rather than a warning, and it may increase fines associated with the violation.

• Avoid speed traps. Speed limits typically drop when you approach a small town or city. That's prime real estate for speed traps. Police often use highway overpasses, bridges or medians with a clear view of oncoming traffic to hunt for speeders.

• Don't stand out. Drivers who go too fast, swerve or aggressively pass other drivers are more likely to draw the attention of the police.

• Move over. After using the left lane to pass a car, move back over to the right lane. Cars that continue to pass other cars while in the left lane are easy targets for police. Also keep in mind that in some states, the left lane is only for passing.

• Cooperate with the police officer. Being cooperative and respectful toward the police officer who pulls you over is one of the best ways to avoid a speeding ticket. It also can help defuse a potentially stressful situation. If you are pulled over, start by turning off your car, put away your cell phone and place your keys on the dashboard and your hands on the wheel in the 10 and 2 o'clock position to show the officer that you aren't doing anything illicit before he or she arrives. Taking off your sunglasses also can be a show of respect. If it's nighttime, turn on the interior lights of your car.

• Save your arguments for traffic court. If you believe you don't deserve a speeding ticket, take your argument to court. Don't argue it with a police officer at the scene.

Source: FindLaw.com

Published with permission from RISMedia.


Tags:

How to Quickly Sell Your Home

August 8, 2013 1:58 am

Why do some houses sell faster than others? Same house, same number of bedrooms, same size garden, same street. The difference? The house down the road is presented properly for a quick turnaround.

You must present your property in the best possible light. That means present it as you would wish to see it for the very first time. Let's start at the first thing a potential buyer will see - the front of the house. Is the gate hanging off the hinges? Is the path/driveway covered in weeds?

Does the front door need a lick of paint? Do the windows need cleaning? Whatever the season you're selling a house, there's always stuff to do, so get them done! First impressions count; don't put off your potential buyer before they've even got through the front door.

In the living room, make sure the TV is turned off, cushions plumped up, carpet vacuumed, toys and general stuff put away, the room freshly aired and flowers somewhere in the room. The living room, as with all rooms, should be freshly decorated and de-cluttered.

Next move on to the kitchen - the most important room in the house! Get it spotless. All dishes should be cleaned and put away, the table set, and the floor polished. Show that you have pride in your kitchen and that it’s an important room in the house. The smell of coffee or freshly baked bread or cut flowers always works as a treat.

The back yard should also be kept tidy. Make sure all toys and bikes are hidden away in the garage or shed, have the grass freshly cut and all weeds removed, and make sure the garden furniture is clean and well presented. And hide any gnomes!

Back in the house, the master bedroom should show with fresh clean linen and curtains open to give as much light as possible. Do the same with the kids’ rooms and again, hide any clutter, take down all the One Direction posters and make sure the bedrooms don't have any lingering smells.

Use these simple tips to help you sell your house quicker than your neighbor. Do these and more if you can and you will soon be shaking hands with your buyer.

Source: Flying Homes Ltd

Published with permission from RISMedia.


Tags: