RE/MAX 440
Peter Cerruti
440 South West End Blvd, RT 309
Quakertown  PA 18951
 Phone: 215-429-7273
Office Phone: 215-538-4400
Fax: 267-354-6992 
petecerruti@yahoo.com
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Peter Cerruti

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Cost of Living Soars in These Cities

June 22, 2017 12:36 am

Do you live in one of the most expensive cities in the country? Are you unsure? A recent GoBankingRates study unveiled the places in the country with the highest cost of living.

According to the study, American household debt totaled a record $12.73 trillion as of March 2017, so cost of living concerns are more pertinent than ever.

The study evaluated U.S. cities based on two principal metrics:

- The increase in a city's cost of living index, which includes food, rent, utilities and transportation.
- The Increase in the amount of income required to "live comfortably," a concept used in GOBankingRates studies that combines the money needed to pay for necessities — including food, rent, utilities, transportation and healthcare — with the amount one should budget toward discretionary spending and savings.

Their findings? Read below.

Top 5 Cities Where the Cost of Living is Rising Quickly

5. Jacksonville, Fla.

- Live Comfortably Amount Increase: $2,095
- Cost of Living Index Increase: 3.36 points

4. Austin, Texas

- Live Comfortably Amount Increase: $1,407
- Cost of Living Index Increase: 3.84 points

3. Louisville, Ky.

- Live Comfortably Amount Increase: $2,066
- Cost of Living Index Increase: 4.49 points

2. Seattle

- Live Comfortably Amount Increase: $3,190
- Cost of Living Index Increase: 7.32 points

1. Nashville, Tenn.

- Live Comfortably Amount Increase: $9,135
- Cost of Living Index Increase: 8.61 points

Source: GoBankingRates

Published with permission from RISMedia.


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Winning Over Weeds

June 22, 2017 12:36 am

Gardening can be so idyllic - pruning abundant rose bushes, harvesting ripe tomatoes, nestling colorful annuals into window boxes … then there’s weeds.

Even the most enthusiastic gardener can become overwhelmed and disgruntled by an onslaught of weeds, taking the joy out of yard work and wreaking havoc on one’s back. Here are some strategies from finegardening.com for winning the battle with weeds, both for your peace of mind and your garden’s good health.

Don’t awaken weeds. Every inch of soil contains weed seeds, but only those closest to the surface receive enough light to grow. Don’t unwittingly promote weed growth by turning and digging soil unnecessarily.

Don’t skimp on mulch. Not only does mulch make your garden beds more attractive, it helps prevents weeds by blocking out the light. Keep in mind, however, that chunky mulch allows some light in and certain mulch is full of weed seeds, so make your selection carefully. If you’re feeling ambitious, lay down a layer of fabric or cardboard and place the mulch on top. This will ensure no light and no weed seeds infiltrate your soil.

Weed after rain. Wet weeds come out much more easily than dry ones, so be sure to head out promptly after a storm. If you’re left to tackle dry weeds, use a hoe or steak knife to slice them right below the soil line.

Plant close together. Instead of spacing your plants out, place them closer together so that they’ll form a natural light barrier as they mature. This is a long-term strategy but will help lead to weed-free gardens in your future.

Water selectively. Don’t accidentally encourage weed growth by watering them. Instead, employ soaker hoses and watering cans to water just your plants as opposed to wide swaths of your garden where weeds lie in wait.  

 Most importantly, weed often. Letting the chore go will make weeds more prolific and more difficult to pull out. Arm yourself with these strategies and put weeds in their rightful place.

Published with permission from RISMedia.


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The Real Cost of Utilities

June 22, 2017 12:36 am

Have you ever stopped to think about how your utility bills are affecting your wallet? Well, according to a report from ATTOM Data Solutions and UtilityScore, utilities - electricity, natural gas, water and sewer - add 25 percent to homeownership costs and 21 percent to renter housing costs on average nationwide.  

When you factor in the high cost of many markets across the country, utility costs tip the scales and make these markets unaffordable for many. Monthly utility costs require 7.0 percent of average wages on average across 931 U.S. counties analyzed for the report. When utility costs are included, buying a median-priced home requires more than the 43 percent of income recommended by the Consumer Financial Protection Bureau (CFBP) in 323 of the 931 U.S. counties.

Here’s where solar power comes into play. The report takes a look at solar installation in California as an example. Between 2010 and 2017, home sellers who had a solar system installed between the original purchase of their home and the subsequent sale of their home saw average profits that were more than double those of home sellers without a solar installation. 

So when buying or selling your home, be sure to take utilities into consideration. Make sure your budget can handle the costs, and consider making smart investments, like solar, that will reduce utility costs when it comes time to sell.

Published with permission from RISMedia.


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Fun, Affordable Family Vacations

June 21, 2017 12:36 am

The kids may be clamoring for a Disneyland vacation, but four days with Mickey for a family of four can cost up to $6,000.

Travel agents offer vacation alternatives that have much to offer for kids of all ages, often at a far lower cost:

Take a cruise – Today’s cruise ships provide onboard activities ranging from bumper cars to water slides to zip lining, as well as varied dining options, adult health spas and nightly showroom entertainment – all at a (mostly) all-inclusive price. If you watch for fare sales and opt out of optional add-ons, cruising to the destination of your choice can be a reasonable family vacation.

Try a family resort – All-inclusive family beach resorts all over the world are a great choice for parents who need a break. Catering for families with young children, they offer fun daycare options with vetted counselors, so that kids can enjoy science labs, expeditions, magic shows and more while parents loll on the beach. Traveling during  non-peak periods will help keep the cost down.

Check out the Outer Banks – You’ll find parks, wildlife sanctuaries, and plenty of shopping and dining options on the east coast’s Outer Banks beaches – and lodging choices from beautiful beachfront hotels to budget-friendly house rentals. With 100 miles of beach to explore, the site can be a family favorite.

Gasp at the Grand Canyon – You can get close to nature at a nearby campground or stay at a family-friendly lodge. Either way, this once-in-a-lifetime experience offers panoramic views, and age-appropriate activities, especially on the South Rim, that make this a memorable family vacation.

Marvel at the falls – On both the U.S. and Canadian sides, Niagara Falls offers another natural wonder your children will not forget – and if nature isn’t enough, you’ll find a marine park, a hotel with a water park, a butterfly conservatory, the world’s largest free-flying aviary, and an amusement park. You can even go behind the falls for a truly exhilarating experience.

Set sail for whale watching – Available on both coasts as well as in Mexico, depending upon the season, a whale watching adventure – quite often featuring playful dolphins on display as well – is an exciting vacation option. There are plenty of white sand beaches to enjoy and a variety of lodging choices.

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Why Won’t My Agent List My Home at the Price I Want?

June 21, 2017 12:36 am

Putting your house on the market? Like most homeowners, you’ve probably got a set idea of what your home is worth and what you should be able to sell it for. After all, you know in intimate detail the blood, sweat and tears that have gone into making your home what it is today. You also know how happy you’ve been there, the advantages of your location and all the great features of the community. So no one has a better idea of how to price your home than you, right?

Not necessarily.

Your local real estate agent has the expertise you will need to price your home correctly to yield the best possible results, both in terms of time and money. Here are the factors your agent will look at to price your home; these factors probably never occurred to you, but they matter a lot when it comes to determining a price for your home:

What other homes in your neighborhood recently sold for. This creates a threshold of what your market will currently bear.

The specifics of your street. Are you on an appealing cul de sac or a busy main road?

The number of bathrooms and bedrooms. Regardless of your home’s square footage, bedrooms and bathrooms impact the sales price of your home.

The year your home was built or renovated. You might love the charm of your historic home, but if it means the new owners will have to invest in updates, it could drop your listing price.

Energy efficiency. Many of today’s buyers want a home that saves them money, so if you’re lacking in energy efficient windows, appliances and heating/cooling systems, it may affect your price. Conversely, features such as solar panels could positively affect your price.

Smart home technology. From controlling your lights and thermostat remotely, to using voice commands to operate your audio-visual equipment, smart home features are a big plus with today’s buyers and help support a higher selling price.

Most important of all, be sure to choose a professional real estate agent who is experienced and comes recommended. Once you’ve selected the right person, follow his or her advice on pricing your home and you’ll be on your way to a satisfactory sale.

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Electricity Safety and Mylar Balloons

June 21, 2017 12:36 am

Every year around this time, I receive a bump in outreach from electric utility and public safety agencies aimed at those who are using mylar balloons as part of their seasonal celebrations, graduation parties, weddings, and picnics.

But before firing up the grill, our contacts at Eversource, a multi-state utility agency, wants celebrants to take precautions to ensure any Mylar balloons used to liven up the festivities won’t pose a threat to their local electric system.

During National Electrical Safety Month in May, Eversource conducted a massive consumer outreach campaign to remind them that Mylar balloons can cause power outages and even pose a significant safety risk.

According to Bob Coates, Vice President of Safety at Eversource, the silver metallic coating on Mylar balloons is a conductor of electricity.  If the balloon makes contact with power lines, it can damage electric lines and equipment, and cause power outages.  

In some cases, Coates says it could even cause an electrical surge impacting nearby homes - and it only takes one balloon to create a potential hazard.

Among the most important tips for preventing outages and ensuring the safety of friends and family at your next outdoor gathering is securing Mylar balloons to a weight that won’t let them just float away. And when the party's over, deflate Mylar balloons completely and dispose of them properly.

Sadly, Coates says thousands of Eversource customers experience outages each year as a result of Mylar balloons.

He adds that if Mylar balloons are going to be a part of the celebration, consumers are urged to:

- Make sure balloons are secured and can’t fly away
- Never release a Mylar balloon outside
- Keep all balloons away from power lines
- Never use metallic ribbon with Mylar balloons
- Never tie Mylar balloons to yourself or a child
- Always deflate Mylar balloons completely and dispose of them properly

And never attempt to retrieve a balloon that is tangled in electric lines; instead, Eversource recommends calling your local electrical utility or 911 to report the problem.

 

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Just Say No to Credit Card Cash Advances

June 20, 2017 12:36 am

If you’re a little strapped for money, it can be tempting to take a cash advance from your credit card. Doing so, however, will end up costing you more in the long-run.

According to a CreditCards.com survey of 100 cards' cash advance terms, credit card cash advances are a costly way to borrow money. The average cash advance APR is 23.68 percent, much higher than the average purchase APR of 15.79 percent. More importantly, none of the cards studied offer a grace period for cash advance transactions like they do for traditional credit card purchases. So when you take cash out, you start accruing interest immediately.  

For example, if someone purchases a $1,000 item on a credit card with a 15.79 percent rate and pays it off in 30 days, they'll pay no interest thanks to the grace period. But, a $1,000 cash advance under the typical terms found in the survey will cost an extra $69.73. That includes the $50 upfront fee, plus $19.73 for 30 days' interest at 23.68 percent.

Cash advances are not just ATM and convenience check transactions, either. Consumers should note that wire transfers, money orders, legal gambling purchases and bail bonds are often treated as cash advances if paid via credit card. Additionally, if you hold a checking account with the same bank that issues your credit card, overdraft coverage that comes from your credit card may also be considered a cash advance.

Paying off a cash advance can prove to be problematic for those making just the minimum payment. Generally, card issuers will first apply the minimum payment to lower APR balances before payments made in excess of that go to balances with higher APRs.

Unlike typical credit card interest rates, most cash advances have a flat APR irrespective of the individual cardholder's creditworthiness. High APRs are not the only concern for cardholders who use credit to access cash. Only one card in the survey does not charge a fee for cash advances, which is typically $10 or 5 percent of each advance, whichever is greater.

The one thing cash advance borrowers can't rack up: credit card rewards. Cash advances also cannot be used to directly pay off any card balances or loans held by the same bank.

Published with permission from RISMedia.


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The Possibilities of Paint: How to Revamp Your Home’s Exterior

June 20, 2017 12:36 am

If you’re hoping to up your curb appeal or just give your home a face lift, then you may already know that fresh paint is the easiest and most cost-effective route.

"Just add a pinch of a new paint color here and there.  It's a simple recipe to make even the plainest home more interesting," advises Debbie Zimmer, design expert with the Paint Quality Institute.

Below are a handful of tips for upping your home’s ante with a splash or two of color.

Front first. "The first place to consider adding new color is the entranceway," says Zimmer.  "It's usually visible from the street so everyone sees it, and it's also where visitors first come face to face with your home.".

Do the door. For a color pop, choose a color for your front door that contrasts with the rest of the home. Fengshui enthusiasts favor red, while black can be just as bold. Before you choose that soft off-white, remember that dark shades are always more practical for doors since they are better at concealing smudges and fingerprints.

Shutter time. When it comes to accent painting, turn to your shutters. You can paint these the same color as your door, or choose something complimentary of an interesting but balanced look.  

Attention to detail. If you’re home has interesting detailing such as “gingerbread” trim, consider painting it a contrasting or complimentary color as well.   

The furniture, too! Do you have a porch or deck? Tie in your exterior look by painting the furniture to match or accent.  

Source: Paint Quality Institute

 

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5 Tips for Active Summer Families

June 20, 2017 12:36 am

(Family Features)--Summer is perfect for staying active and spending time outdoors with loved ones, but the frantic pace of the season and overload of activities can take a toll on the entire family.

With a little care and pampering, you can enjoy summer to the fullest while still keeping your family rejuvenated.

Eat Well. Food is fuel, and it's necessary to keep the entire family energized. During warmer weather, cravings often lean toward lighter foods, making it the perfect time to add extra servings of seasonal fruits or vegetables to the family table each night. Also remember to ensure family members are drinking plenty of water as extended time in the sun can lead to dehydration and dry skin if fluids aren't frequently replenished.

Make Sleep A Priority. Sleep is as important to your body as nutrition and exercise, and making it a priority can be beneficial, especially when your family's calendar is packed with events. Sufficient, high-quality sleep contributes to a healthy immune system and helps repair damage done throughout the day. It also positively impacts metabolism and overall function while contributing to emotional and mental well-being. Most doctors recommend 6-8 hours per night for adults, and kids of all ages typically require even more, so work on getting into a nightly routine to ensure all members of the family are getting the rest they need.

Pamper Yourself at Home. Once you've completed chores in the heat or spent time enjoying family activities in the sun, some simple pampering can be done at home to rejuvenate skin. Start with your hands, which are at the center of everything you do and often the first point of contact with an activity, whether it's cooking, gardening, crafting or aiding friends and family.  .

Take Time to Exercise. Even a little activity can have a huge impact. The American Heart Association recommends at least 30 minutes of moderate-intensity activity at least five days a week. Taking time out of your family's busy summer schedule to go for a walk, ride bikes around the park or neighborhood, or play a game outside together can contribute to maintaining a healthy weight and feeling more energized.

Slow Down. It's easy to spread yourself too thin, especially in the summer when there are often more activities requiring your attention and attendance. When you get caught up in trying to make the most out of every second of every day, it can take a toll on both your family's physical and emotional well-being. Slow down and take that well-deserved personal time - even just an hour a day - to do something you enjoy with the ones you love. Remember to take small breaks during activities to stretch or take a short walk to help relieve potential stress on your body.
 
Source: softsoap.com.

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How to Stay Cool and Save Money

June 17, 2017 12:36 am

Staying cool can be difficult during uncomfortable summer spikes and dreaded heatwaves.

According to the folks at Lasko, an average homeowner spends nearly $2,000 annually on energy bills, with 25 percent of that consumed by air conditioning. So by simply turning the A/C thermostat up, and adding fans to any space, consumers can still stay comfortably cool while saving money.

Lasko reminds consumers they can also keep cool by:

Creating a refreshing party space: Summer is the season for entertaining, so keep cool air moving by strategically placing a fan with a head that tilts fully back - like an 18" pedestal or 'tornado' model - to create ongoing airflow throughout multiple rooms.

Turning the thermostat up: Day and/or night, simply raise the thermostat a few degrees and add one or more fans for up to 10 percent home energy savings without sacrificing comfort. Consider a portable, light weight fan that can go from room to the room with ease.

Staying in summer shape: If you're working out at home versus spending money on gym fees, save even more with a small fan in your workout area to keep body temps in check from warmup to cooldown. Something like an oscillating high-velocity fan (with wireless remote) is a perfect workout partner.

Moving in and cooling out: Students gearing up for next semester or entering the working world need to stay on budget. So every dorm room, campus home, or first "after college" pad - with or without A/C - can benefit from fan cooling, saving more money for necessities and activities. 

Published with permission from RISMedia.


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