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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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Increasing Mosquito Prevention Curbs West Nile and Other Diseases

June 12, 2013 2:08 am

Health officials all over the country warn about the West Nile Virus throughout the hot summer months. Rain and summer heat waves are prime breeding grounds for mosquitoes, which can spread the West Nile Virus, dengue fever, encephalitis, canine heartworm and other diseases.

Because mosquitoes lay their eggs in standing water, Health Department officials are asking everyone to take steps to reduce standing water to stop mosquitoes from multiplying. To reduce mosquito populations:

• Drain water from garbage cans, house gutters, buckets, pool covers, coolers, toys, flower pots or any other containers where sprinkler or rain water has collected.
• Remove and discard old tires, drums, bottles, cans, pots and pans, broken appliances and other items left outdoors that can collect water.
• Empty and clean birdbaths and pet water bowls at least once or twice a week.
• Protect boats and vehicles from rain with tarps that don’t accumulate water.
• Maintain swimming pools in good condition with appropriate chlorination. Empty kids’ swimming pools when not in use.

Where standing water collects, use a product with all-natural Bti to disrupt mosquitoes’ breeding cycle. The Bti in a Mosquito Dunk will kill mosquito larvae in birdbaths, ponds, animal watering troughs and other standing water before they become biting, disease-carrying adults. Mosquito Dunks are safe for pets, wildlife and fish, and they are approved for organic use.

Published with permission from RISMedia.


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Fatherly Tips for Raising Healthy, Successful Kids

June 12, 2013 2:08 am

(Family Features) Everyone knows the classic love story. Man and woman fall in love, get married, have a baby and live happily ever after. However, real life isn’t always the fairy tale. While today’s version of the modern family has changed over time, the importance of parental involvement in children’s lives has not.

However, one out of every three American children (about 24 million) lives in a home without their biological father. According to research by the National Center on Addiction and Substance Abuse at Columbia University (or CASA), these children are more likely use drugs and experience educational, health, emotional and behavioral problems.

“Having both biological parents active in a child’s life has proven to have a positive effect on both the child’s social development and academic achievement,” says Dr. Janet Taylor, an author and community psychiatrist in the New York City area who frequently counsels families.

For kids, growing up in an environment where both parents are involved is important to their long-term development, health and well-being. Dr. Taylor provides the following advice for dads on how they can stay active in their child’s life, even if they are not the primary caregiver.

Share meals together: According research by CASA, children who share regular meals with their parents earn better grades in school than those who do not. Set a goal to share a meal with your child at least two days per week. Dinner doesn’t have to be elaborate. The focus should be on communication.

Plan fun activities: No matter where you go or how much money you spend, every moment spent with your child is a chance to create positive memories. Set aside time to celebrate your kids’ accomplishments and special occasions. This will increase the child’s confidence and encourage them to keep trying.

Get involved at school: Fathers are a positive force in their children's education. According to a study by the National Center for Education Statistics, when fathers get involved in their child’s education, the child is more likely to get good grades, enjoy school and participate in extracurricular activities.

Source: Identigene

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Americans' Optimism about Buying and Selling a Home Hits Record Levels

June 12, 2013 2:08 am

Americans’ confidence in their ability to buy and sell a home climbed sharply in May, likely due to reports of strong home price gains, according to results from Fannie Mae’s May 2013 National Housing Survey. The share of respondents who say now is a good time to sell a home reached a record high of 40 percent, compared to 30 percent in April and 16 percent one year ago. At the same time, the share of those who say it is a good time to buy a home moved up 5 percentage points from April to a survey high of 76 percent. Americans’ average 12-month home price change expectation also reached a survey high in May, climbing to 3.9 percent from 2.7 percent in April.

“Sentiment toward selling a home appears to be catching up with the strengthening housing market,” said Doug Duncan, senior vice president and chief economist at Fannie Mae. “The share of consumers who think it’s a good time to sell a home spiked this month, the largest increase in the survey’s three-year history. This jump may foreshadow a gradual return to more normal levels of housing supply from their lows of recent months. In turn, increased housing supply could serve to temper increasing consumer home price expectations. We will closely watch the potential impact of rising mortgage rates on consumer housing sentiment in the coming months.”

Currently, 46 percent of Americans think it would be easy for them to get a mortgage today, retreating slightly from April’s survey high, while 50 percent believe it would be difficult to get a mortgage. Consumers have been asked since the survey’s inception in June 2010 for their perceived ease or difficulty in getting a mortgage, and the question was added in May 2013 as an indicator to the monthly data findings report to help determine whether rising mortgage rates affect their views.

Findings:

Homeownership and Renting

• The average 12-month home price change expectation jumped to 3.9 percent, the highest level since the survey’s inception.
• The share of people who say home prices will go up in the next 12 months hit a survey high of 55 percent, while those who say home prices will go down dropped to 7 percent, the lowest level since the survey’s inception.
• The share of respondents who say mortgage rates will go up increased 3 percentage points to 46 percent, while those who say rates will go down hit a survey low of 5 percent.
• At 76 percent and 40 percent, respectively, the shares who say it is a good time to buy a house and who say it is a good time to sell a house both reached survey highs.
• The average 12-month rental price change expectation dropped to 3.4 percent, the lowest level since September 2012.
• Holding steady from last month, 48 percent of those surveyed say home rental prices will go up in the next 12 months.
• Retreating slightly from last month’s survey high, 46 percent of respondents think it would be easy for them to get a home mortgage today.
• The share of respondents who said they would buy if they were going to move increased slightly to 66 percent.

The Economy and Household Finances

• At 40 percent, the share of respondents who say the economy is on the right track increased slightly from April.
• The percentage of people who expect their personal financial situation to get better over the next 12 months held steady at 41 percent.
• The share of respondents who say their household income is significantly lower than it was 12 months ago fell 3 percentage points to a survey low 13 percent.
• The percentage of respondents who say their household expenses are significantly higher than they were 12 months ago rose slightly to 32 percent.

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Packing Tips for Summer Moves

June 12, 2013 2:08 am

(BPT) - Let's face it - moving is hard. Along with the stress of leaving a familiar place and adapting to new surroundings, moving means packing, loading, transporting, unloading and unpacking everything you own - as well as everything you forgot you owned.

While relocation may never be completely carefree, there are ways to ease the anxiety. A well-thought-out approach to boxing up belongings can help simplify the moving process and bring you one step closer to making your new house a home.

Box it up. To be prepared for packing, seek out a large quantity of clean, sturdy containers in a variety of shapes and sizes. When selecting boxes, you may choose to purchase new ones, helping to ensure they can withstand the rigors of moving. You can also purchase dividers, which come in handy for packing glasses and other small, fragile items. No matter what you are using, remember not to over-pack. As a general rule, heavier items should be placed into smaller boxes to avoid too much strain on the box (and your back).

Leave it. The easiest packing is no packing at all. Moving is the perfect time to clear the clutter out of your life. Before boxing up your belongings, decide what to keep. Clothing and housewares in good shape can be donated, and broken or unused old items can be tossed or given to someone who can repurpose them.

Mind the supplies. The right tools can go a long way toward easing the moving process. Pick up plenty of quality wrapping material, like Bubble Wrap Brand cushioning, as well as strong packaging tape to help make boxing up your belongings a painless process. Don't get caught up in common frustrations that cause stress and waste time, such as tape that constantly tears or splits or struggling to find the tape end. Choose a quality tape, like Duck brand EZ Start packaging tape (packagingtape.com), for your moving needs; the brand's Frustration Free special release technology ensures that you never lose the tape end.

Organize and prioritize. Pack from room to room and label boxes based on box contents, where boxes will be unpacked in the new location and priority. EZ Start packaging tape provides a solution here, too - with different prints to choose from, boxes can be organized and prioritized according to the particular design used.

Get help. Be organized to help the entire moving day run smoothly, so that your volunteers aren't waiting around for a job to do. Providing tasty snacks and drinks is a thoughtful way to say thank you, as are gift cards for coffee, movie theaters or their favorite stores.

Pack a survival kit. Moving can be exhausting, and an all-day move may not wrap up until late in the evening. Don't spend your first night in your new home unpacking. Instead, pack a survival kit or an "Open Me First" box with essentials to get you through that first night. Make sure to include some fun items, such as your favorite movie or a batch of brownies, to reward yourself for a hard day's work.

Moving day may never rival a beach vacation, but these simple tips can make it a lot less stressful and help you enjoy your new home faster and easier.

Published with permission from RISMedia.


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Tips to Avoid AC Repair This Summer

June 12, 2013 2:08 am

Continuously running an air conditioning unit during the summer can send homeowners calling for AC repair. Take the following advice to prevent your unit from getting overworked:

One of the most common problems is a poor refrigerant charge. A home that has a unit that is constantly running, but isn't getting cool may have a refrigerant problem.

The power source should always be checked first if a unit stops working. Check to be sure the thermostat is on the correct setting and the unit is properly plugged in. If those are correct, check the fuse box to be sure a switch has not been flipped.

Lack of maintenance on the homeowner's part can also lead to repair. Homeowners should properly change air filters, clean the system and maintain regular check-ups to maintain a unit's efficiency. Yearly maintenance appointments should also be scheduled with a licensed technician.

"Homeowners should clean the air conditioner periodically, as well," says Phil Montgomery, owner of Atlanta Heating and Air Conditioning. "Using a garden hose, a homeowner can spray down the coils, and then use an air conditioning cleaner on them. Homeowners should be sure to follow all directions on the cleaning solution and thoroughly rinse the coils after cleaning them. The unit should be allowed to dry thoroughly before being used."

Locate the unit's drain outside and use a wet/dry vacuum to clean the drain of any debris. Be sure the drain has a cap that covers it to keep debris out of it. Remove any twigs, grass, or other debris that might have entered the outside unit. Homeowners should periodically clean the outside unit to maintain maximum efficiency.

Source: Atlanta Heating and Air Conditioning

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Appraisal Institute Calls on Congress to Pass Green Real Estate Bill

June 12, 2013 2:08 am

The nation’s largest professional association of real estate appraisers announced its support for federal legislation that would improve the mortgage underwriting process by ensuring appraisers are provided relevant property information relating to green and energy-efficient features.

The Appraisal Institute expressed its backing of the recently introduced Sensible Accounting to Value Energy Act of 2013. “We strongly support the SAVE Act because it would require the use of qualified, competent appraisers,” said Appraisal Institute President Richard L. Borges II, MAI, SRA. “We also are pleased that it would help ensure that appraisers have access to data and information needed to analyze the effects of energy-efficient home improvements in the marketplace.”

The SAVE Act would instruct federal loan agencies to assess a borrower’s expected energy costs when financing a house. The U.S. Department of Housing and Urban Development would issue updated underwriting and appraisal guidelines for any loan issued, insured, purchased or securitized by the Federal Housing Administration or any other federal mortgage loan insurance agency.

The bill establishes two methods for determining expected annual energy costs: average utility costs, derived from the Department of Energy’s Residential Energy Consumption Survey database and adjusted for the square footage of the home, or if available, a qualified, independent energy report of the subject property. The measure includes two primary features, both optional: an affordability test and a loan-to-value adjustment.

Borges said the SAVE Act would help protect taxpayers from another foreclosure crisis; would lower utility bills for U.S. households; would remove from federal mortgage policy an impediment to home energy efficiency; would drive business and job growth in the construction and manufacturing sectors; would expand the accessibility and affordability of energy-efficient homes; and would reduce U.S. energy dependence.

“The Appraisal Institute is pleased this bill would help improve communication and the flow of information among appraisers, lender clients and those interacting with the mortgage lending process,” Borges said. “The SAVE Act would require that appraisers are provided with all relevant information relating to energy-efficient features of properties. And by defining these types of appraisal assignments as ‘complex,’ the SAVE Act would help ensure those properties are valued by an appraiser with enhanced competency who can more thoroughly analyze and make appropriate judgments for building energy performance and who can help lenders understand their collateral risk.”

Published with permission from RISMedia.


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Create Your Own Summer Vacation Hot Spot Right at Home

June 7, 2013 9:46 pm

Not going away this summer? Home can be the perfect place for summer fun, as long as you’re ready for the heat. With summer around the corner, it’s not too late to revamp your house into an excellent summer hang-out spot. With a few minor changes and additions, you’ll be enjoying some fun in the sun in no time.

Be ambitious – add a new deck. Choosing the right material is the most important factor when building a deck. Synthetic decking materials and tropical hardwoods (like mahogany) are initially pricier, but they are also easier to maintain and more durable. Traditional wood decks cost less initially, but require way higher maintenance such as annual cleaning and resealing maintenance. This may get expensive over time.

If you already have a deck, try some simple care techniques. Give it a close inspection for cracked boards or protruding nails. Cut back nearby trees or bushes to prevent mold and rotting. Sweep and wash the deck; afterwards, when it’s completely dry, follow that up with some sealer or stain. A beautiful deck is a great spot for patio furniture, tanning and grilling. Build a deck and get great use out of it. It will only help your resale value.

If you have a pool, consider chlorine alternatives. Chlorine is the standard because it’s cheap and keeps pools clean by sanitizing, oxidizing and deterring algae. On the flip side, it has a strong odor, reddens eyes and causes allergic reactions in some swimmers. Alternatives include bromine, ionizers, water ozonators or PHMB. They may be a little more expensive, but if you have an allergic child, one of these choices can keep the entire family swimming. With these major summer necessities out of the way, it’s time to accessorize. Volleyball nets and reclining pool floats are great additions as well.

Fire up that grill and start cooking! Summer’s on its way.

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Survey Shows People Would Love To Install Drywall Themselves but Fear They Wouldn't Know How or What to Buy

June 7, 2013 9:46 pm

"’Do you drywall?’ is not a question most people ask or answer every day, but with rebuilding, remodeling and new home starts on the rise – and a growing number of people wanting to install drywall themselves – maybe it should be," says Anitra Mecadon , host of DIY Network's Mega Dens.

In a nationwide survey of 1,000 homeowners conducted last month by Priority Metrics Group, nearly 40 percent of them have remodeled their homes or built a new one in the past two years, and 80 percent did all or a portion of the construction themselves.

"I'm not surprised that so many people are becoming do-it-yourselfers when it comes to their homes, and with recent natural disasters like Hurricane Sandy or tornadoes in Oklahoma, I think do-it-yourself rebuilding and remodeling will only increase," said Mecadon.

The survey found that more than half of homeowners would consider installing drywall themselves, and those a little less confident were concerned they wouldn't know how to install drywall. They also thought it would be too difficult to install or they wouldn't know what kind of drywall to buy.

Based on the survey, nearly eight in 10 homeowners recognize that walls are more important than most people think – and compared to other features, such as roofing and flooring – walls and ceilings were cited by the majority of those surveyed as providing the most long-lasting value to their homes.

"When people are remodeling or building a new home, they usually focus on the types of countertops, appliances, fixtures and flooring they want, and rarely think about the kind of drywall they should use, but they should," said Mecadon. Drywall products provide unparalleled resistance to moisture, mold, mildew, scratches and dents, and can even reduce the noise you hear between rooms.

When asked whether men or women would be better at home improvement tasks such as installing and finishing drywall:

• Nearly six in 10 said men and women would be equally good.
• Generally speaking and depending on the task, nearly a third thought men would be better.
• Only seven percent of those surveyed – mostly men – thought women would be better than men at home improvement tasks.

Source: Purple

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The Best Colors for Front Doors

June 7, 2013 9:46 pm

For homeowners seeking to spruce up their homes this summer, one of the best and most noticeable modifications to any home is a freshly-painted front door, but according to College Works Painting, the color of paint chosen could either make or break the entire house.

"There are many homeowners who would love to paint the entire exterior of their house, changing the very look and style of the home and breathing new life into an old structure," the company says. "This is a major commitment, of course, but a much easier and less intensive DIY project is to simply paint the front door. This can go a surprisingly long way toward changing the feel of the entire home."

Homeowners might consider repainting their doors red. Red is listed as a particularly bold hue, one that grabs the attention of anyone looking at the house. It’s also an especially good compliment for homes that are white, blue, and gray.

Indigo is also named as an especially good paint color for front doors. "The great thing about indigo is that it almost seems to change colors, depending on the time of the day," opines College Works Painting. "By day it is crisp and bold, but when night comes it appears dark, dramatic, and dusky."

Orange is also a solid contender. This not-to-be-ignored hue will draw people right inside. It’s especially attractive on charcoal-colored homes.

Meanwhile, black is listed as a color that can command attention, and that looks good with any other color scheme or door frame style.
Lime green, on the other hand, is a potential "show-stopper," but only on homes with certain colors. Try lime green as a good selection for homes that are brown or gray, College Works Painting recommends.

No matter what color you decide on, changing the color of your front door is a quick and easy way to totally revitalize the exterior of your home.

Source: College Works Painting

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4 Things Parents Should Know before Paying for College

June 7, 2013 9:46 pm

From $20,000 to $65,000 a year – that’s the tuition cost for one year of college, says John McDonough, a money expert who helps retirees and parents plan for their families’ futures.

“For the 2012–2013 academic year, the average cost for an in-state public college is $22,261. A moderate budget for a private college averaged $43,289,” says McDonough, CEO of Studemont Group College Funding Solutions. “But for elite schools, we’re talking about three times the cost of your local state school. Either way, your kid’s higher education can easily shoot into six figures after four years.”

Along with worrying about rising tuition prices, parents also fear for their own futures if their retirement savings are drained by children’s college costs, McDonough says. Only 14 percent, for example, are very confident they’ll have the money to live comfortably in retirement, he says, citing a 2012 survey by the Employee Benefit Research Institute.

“Families feel they’re faced with conflicting goals, but there are numerous ways to pay for college while investing in your future retirement,” says McDonough, who offers insights for parents to keep in mind while planning for their child’s education:

The ROI of a college education: At a time when so many American families are financially strapped, college is an especially stressful topic because parents know higher learning will help their kids succeed. College graduates earn 84 percent than those with only a high school diploma, according to Georgetown’s Center on Education and the Workforce. Here is how earning breaks down over one’s life time, based on education: a doctoral degree-holder will earn $3.3 million over a lifetime; $2.3 million is estimated for a college graduate; those with only a high school diploma can expect $1.3 million.

Move retirement assets to qualify for grants: Most parents know about the 529 savings account, but that’s not necessarily the best or only option. Reallocating your retirement assets, such as 401(k)s, can better position a child to qualify for grants and scholarships. This legal and ethical maneuvering may be the single most important factor when considering how to pay for college.

Know your student’s strengths and weaknesses: Consider independent and objective analysis of your future college student. Assessment might include a personality profile and a detailed search for a future career. Also think about a more nuts-and-bolts approach, including scholarship eligibility, SAT and ACT prep courses, review of admissions essays and an in-depth analysis of chances for enrollment in a student’s top four choices of colleges.

Make a checklist of financial aid forms: In order to maximize a fair price of higher education, remember there is plenty of data to review. McDonough recommends a checklist with a timeline and notable deadlines. Be ready to troubleshoot the “alphabet soup” of data forms: FAFSA – Free Application for Federal Student Aid; CSS profile – College Scholarship Service; SAR – Student Aid Report; and more. Think about this process as a second job, or find professional help you can trust.

Published with permission from RISMedia.


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