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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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11 Tips for Career Success

May 6, 2017 12:27 am

When looking at life-long goals, “success” tops the list for many. But how can you ensure career success? Regardless of your field, there are several common denominators for achieving success. Provided by Robert Half Legal, below are a handful of helpful tips gleaned from a survey of 350 lawyers at law firms and legal departments in the United States and Canada.

1. "Choose a career that allows you to learn as you grow."
2. "Take risks and open yourself up to possibilities."
3. "Find a firm that has the same qualities and priorities as you do."
4. "Look for challenging work."
5. "Be willing to change if necessary. That includes location and your job itself."
6. "Every experience you have is a building block to the next level."
7. "Be self-motivated and strive to succeed."
8. "Try to learn as much as you can. Don't be afraid to take on new assignments. Expand
   your knowledge."
9. "When you quit learning, move on."
10. "Do not be afraid to ask for what you want."
11. "Be collaborative."

Source: roberthalf.com/legal.

Published with permission from RISMedia.


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Protect Your Digital Self While Traveling

May 6, 2017 12:27 am

Whether you’re traveling for a weekend, a week, or making a big move, protecting your digital property while on-the-go is essential for feeling safe and secure.

To help, TravelInsurance.com has compiled a list of digital travel security recommendations:

Backup Your Documents. Scan or take pictures of your travel documents, including your passport, airline tickets, hotel reservations and insurance papers on your phone in case the originals are lost or stolen.

Sanitize your Devices. Before leaving home, remove all non-essential personal information from your computer, phone and other devices. Make sure to set a strong password on your computer and mobile devices and look into possibly having the devices automatically wiped after a large number of incorrect password entries.

Assume Your Data Is Not Secure. Anyone can gather your data without much difficulty. Some countries monitor data and emails, while airports and hotels are generally public or semi-public internet hubs. Use a virtual private network (VPN) to ensure your privacy and to access websites that might be blocked by local internet providers. A VPN is a private and secure internet network that you can reach via any internet connection. Never submit sensitive payment information on websites if the browser shows "http" instead of "https." Also, turn on two factor authentication on all of your email, banking and credit card accounts as an added measure of security (provided that you can receive text messages at your destination)

Download Apps. There are a variety of apps that can help keep you informed and secure while on the road. The State Department's Smart Traveler app is available free of charge from both iTunes and the Google Play store. It's a great source of information about specific countries, travel advisories and warnings.

Don't Fry Your Devices. Make sure that you have the right adapters. Check the tech specs of your devices and the electrical standards of your travel destinations.

Source: TravelInsurance.com

Published with permission from RISMedia.


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How Safe is Your Deck?

May 5, 2017 12:27 am

Warmer months means hours of fun in the sunshine on your deck or patio. But when is the last time you gave your deck a safety check?

"Decks are exposed to sun, rain, snow and extreme temperature changes throughout the seasons and the years," says Julia Fitzgerald, chief marketing officer of AZEK Building Products. "

Before you invite your friends and family to dine deck-side, follow these tips courtesy of AZEK Building Products.

Identify Instability. There should be no sagging, swaying or movement of the deck boards, railings or stairs, and the board attaching the deck to the house should be securely in place.

Inspect Railings. The IRC requires railings to be at least 36'' in height, measured from the deck surface to the top of the rail. Also look for loose balusters or post caps which could present a hazard.

Get up to Code. Check that the deck, electrical outlets and appliances are up to code, and that no electrical cords present a tripping or fire hazard. Inspect grills, fire pits and heaters at the start of the season.

Examine Boards and Fasteners. Check for splitting, rotting or decay. Look for rust on nails, screws and fasteners; a corroded fastener can cause deterioration in surrounding materials.

Source:  www.azek.com, www.timbertech.com

Published with permission from RISMedia.


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How to Ward Off Mosquitos From Your Property

May 5, 2017 12:27 am

Nothing kills spring and summer fun faster than a swarm of mosquitos. These bitey bugs are more than just an itchy annoyance - they can also carry disease. Orkin recommends the following tips to help residents protect against mosquitoes:

Eliminate Mosquito-Friendly Conditions in and Around Your Yard
- Remove standing water buckets, toys and other containers, as mosquitoes can breed in just an inch of standing water.
- Change water weekly in bird baths, fountains, potted plants and any containers that hold standing water.
- Keep pool water treated and circulating.
- Regularly clean gutters so water doesn't pool.
- Trim shrubbery, as adult mosquitoes like to rest in dark areas with high humidity, such as under the leaves of lush vegetation.

Prevent Mosquitoes from Biting
- Wear loose-fitting, long-sleeved shirts and long pants. Mosquitoes can bite through tight clothing.
- Apply an EPA-registered mosquito repellent containing products such as DEET, picaridin or IR3535.

Eliminate Entry Points
- Repair and use window and door screens to help prevent entry.
- Close gaps around windows and doors to prevent mosquitoes from getting inside.

Source: Orkin.com

Published with permission from RISMedia.


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How to Add More Green to Your Diet

May 5, 2017 12:27 am

(Family Features)--Dedicating more of your plate to fresh-from-the-garden produce as well as rice and grains can lead to a healthier lifestyle, according to Cheryl Forberg, registered dietitian and award-winning chef and nutritionist for "The Biggest Loser."

"Most of my adult clients who are not veggie lovers usually had little exposure to them growing up, or they just weren't cooked properly," Forberg says. "It's important for parents to get their children involved in cooking, shopping and even gardening so kids can understand the journey from seed to plate."  

To start living healthier and greener lives, Forberg offers four simple tips:

Start in the garden. This hands-on approach is a fun way to learn about nutrition and where food comes from. Following produce from seed to plate can compel you to eat more healthfully. Plant a garden at home or become involved in a local project nearby.

Opt for veggies with big impact. Richly colored veggies contain the richest supplies of nutrients. Opt for spinach or romaine instead of iceberg lettuce in your salads. Skip the celery or carrots and go for red bell pepper slices to deliver a healthy serving of antioxidants and vitamin C.

Make smart swaps. Replace the dense calories of pasta noodles with a flavorful cup of cooked spaghetti squash. The squash is a satisfying and tasty alternative with a mere 40 calories, 2 grams of fiber and loads of vitamins.

Source: seedsofchangegrant.com.

Published with permission from RISMedia.


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How Clean Is Your Water?

May 4, 2017 12:27 am

How clean is your tap water? While many Americans drink their tap water daily, they may not know exactly what is in their drinking water. With this in mind, Culligan International conducted a 2016 survey to underscore and understand North Americans' growing concern over the quality of their water. The survey showed that 75 percent of participants said that they were worried about the quality of the water they drink, bathe and cook with, yet 73 percent have never had the water in their homes tested.

"For years, we've taken the safety of our water for granted," says Rick Cook, Manager of Industry and Regulatory Affairs for Culligan. "But our aging infrastructure has heightened the risks of harmful impurities such as lead, sulfide and iron contaminating our water supply. Thousands of water systems around the country show excess levels of contamination and with the average person using 50 gallons of water each day, access to clean, safe drinking water is critical."

According to Cook, there are a few important steps homeowners can take to ensure clean safe water, including:

Know where water contamination can occur. Water impurities are not just limited to the water source, but can also happen in the distribution system after treatment from the local municipality or private well has already occurred. While many naturally occurring chemicals and impurities from local land practices can be filtered at the source, unsafe amounts of lead can enter water from lead service pipes. These issues are commonly found in homes built prior to 1986 when lead pipes, fixtures and solder were regularly used.

Educate yourself on the filtration system currently in place at your home. Water treatment solutions such as water softeners, reverse osmosis systems and specialty filters eliminate specific impurities that may be found in your water, while charcoal pitchers and refrigerator cartridges do not.

Pay attention. Corroded plumbing fixtures, unpleasant odors, disagreeable taste, discolored water and even shortened appliance lifespan are signs of trouble.

Schedule a test to identify impurities in your water. Because water contamination can happen at any time and/or through a local municipality, an underground well or a homeowner's own pipes, it is important to have your water tested by a water expert who can determine the necessary steps to eliminate any harmful impurities that may be present. While testing can be done at any time, Culligan recommends scheduling a water test especially after moving into a new house, if appliances that use water are collecting residue or burning out, and as soon as you notice a change in your water's taste, odor or appearance. Well water should also be tested whenever any changes in your water such as color, taste, odor or cloudiness are noticed.

Source: www.culligan.com.

Published with permission from RISMedia.


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It’s Electric! Staying Safe and Aware

May 4, 2017 12:27 am

Electricity is all around us. From the power lines overhead, to the cord connected to our computer and our appliances, consumers interact with various electric forces every day. Paying mind to electrical safety can help keep you and your family protected. The following tips, provided by Georgia Power, can keep you accident-free.

Consider the Cord – Don't place appliance cords where they will come into contact with stoves or other heated surfaces, over countertops or areas where they could be pulled. Look for frayed appliance cords, inspect them regularly and never substitute an extension cord for permanent wiring.

Look for the Ladder – Exercise caution when using ladders around the house, painting, pruning or cleaning near a service drop as all ladders can conduct electricity.

Watch for Wires – Keep balloons, kites, fishing lines, aluminum poles and unmanned aerial vehicles (UAVs or drones) away from overhead lines every day and as line crews work in the field.

Proper Poolside Prep – Don't use electrical appliances near pools and never route extension cords around pools.

Focus on Fire Prevention – Avoid storing combustibles such as paint, cardboard, sawdust and flammable liquids near electrical equipment or fuse boxes.

Source: www.georgiapower.com/safety.

Published with permission from RISMedia.


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Three Finance Tips for the New College Grad

May 4, 2017 12:27 am

If you or a loved one are graduating college this year, you may be feeling overwhelmed when it comes to job prospects, and balancing your post-grad financial situation. You’re not alone. A recent Experian study on college graduates highlights a sobering dichotomy: While 69 percent of those surveyed said they have student loan debt, 70 percent said their alma maters don't do enough to prepare them for real-world personal finance. Research from KeyBank echoes similar sentiments: nearly 20 percent of those surveyed know their financial goals, but are not confident they know how to reach those goals.

To help bridge the personal finance confidence gap, KeyBank offers the following insight to college graduates (and their parents, guardians and others):

Build a budget. That first full-time job paycheck might look like a lot of money to recent graduates more accustomed to managing pay from part-time, campus and summer jobs.  Now's the time to build a budget that takes into account all new economic realities including student loan payments, rent, utilities, transportation costs, career clothing, insurance and food.

"At this stage in life, budgeting really begins with knowing your take-home income, your student loan debt and then making lifestyle choices that keep expenses within 90 percent of that income," says Stephen D. Fournier, KeyBank Central New York market president and regional network deposits sponsor.

Establish a savings strategy. Fournier recommends a three-pronged approach to savings that provides for short-term goals, long-term goals and saving for retirement.

"Start to build your emergency savings with a goal of saving enough money to cover three to six months in living expenses. That way, you won't have to rely on credit cards to cover a major unexpected expense such as a car repair," Fournier says.  Establish a second account for long-term goals such as home down payments, down payments on vehicles and travel.

Next up is a retirement savings plan. Take full advantage of employers' 401K plans by allocating at least enough to qualify for any available 401K employer match, and then making a commitment to increase that contribution by 1 percent every year until you're saving 10 to 15 percent of your salary.

"Investing sooner rather than later, whether it's in your retirement account, or in addition to retirement, is the single most effective way to be more confident about your personal finances," says Marc Vosen, president of Key Investment Services. "Time is the one thing you cannot get back, and time has a major impact on investment results. Young investors need to understand the effect of compounding and how a small investment, over time, can go a long, long way."

When it comes to credit, know the score. Like investing, there's no time better than right now to start managing credit, whether that means managing a credit score or managing credit card debt.

"People talk about good credit and bad credit, but it's really a question of managing credit rather than categorizing it," says Gary Chavoustie, KeyBank Connecticut market regional sales leader and regional network consumer loans sponsor.

Establishing and managing a credit score is important for college graduates, as credit scores can affect their ability to rent housing, access utilities or eventually obtain a low-interest loan for major purchases.

And good credit scores begin with managing credit payments, including student loan payments and credit card debt, by paying bills on time and keeping any credit card debt at a minimum.

"Credit cards are a useful personal finance tool. They are not, however, the entire tool kit. Think of credit cards as something you use on as-needed basis, with need defined as a large, one-time expense you will pay off promptly," Chavoustie says.

Source: www.key.com/.

Published with permission from RISMedia.


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Up Curb Appeal by Looking Up - At Your Roof!

May 3, 2017 12:27 am

When trying to up curb appeal, most homeowners focus on landscaping or repainting that front door. But did you know that by updating or repairing your roof you can increase your curb appeal by 40 percent?  

GAF, North America’s Largest Roofing manufacturer,offers help with these roof tips to up the ante on your curb appeal.

1. Start off by checking the roof framing structure to make sure it is not compromised. Visually scan the roof for any sagging or uneven areas.

2. Inspect and clean your gutter systems to make sure they are not clogged with branches, leaves, or other debris.

3. Make sure that gutters are fastened properly and are tight and secure so that they don’t cause overflow and build-up or fall off the fascia board.

4. Check the valleys of the roof to ensure that they are also free and clear of debris as this can add weight to the roof and also act as a barrier to rain.

5. Metal flashing should also be used around roof vents, pipes, skylights, and chimneys. One of the most common causes for roofing leaks is due to problems where these is lack of or damaged flashing.

6. Walk around your entire house and carefully inspect the shingles on the roof.  Look for curling edges, missing granules, missing shingles, etc.

Source: GAF

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5 Ways to Travel on the Cheap

May 3, 2017 12:27 am

Dreaming of a vacation but not sure if you can afford it? Read on for 5 suggestions for traveling without breaking the bank.

Stay in a house. Airbnb, HomeAway and comparable platforms can help you find more affordable options than pricey hotel rooms. These homes are often more comfortable than hotels, and offer added amenities like kitchens and laundry.

Eat like a local. Skip the pricey tourist-laden restaurants and opt for mom-and-pop style restaurants, open air markets and street food vendors.

Hit the web. Online resources like Groupon can help when you travel. Discounts on restaurants, experiences, tours and museums are often readily available if you do the leg work. Check out deals in the area in advance and plan your itinerary around them.

Cook! Remember that kitchen? Make use of it by shopping for local produce and cooking several meals. This is especially helpful if traveling with a large family. More mouths, more money.

Find a walk-friendly destination. Cab and Uber fares add up quickly. Save money (and stay fit) by choosing a city that allows you to walk from place to place.

Published with permission from RISMedia.


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