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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How to Sleep Better, Tonight

January 13, 2017 12:27 am

A great night's sleep is a sacred thing for most adults. Sleep helps regulate your hormones, keeps you energized, primes your brain for proper functioning, and more. A recent AARP consumer survey found that 99 percent of adults age 50-plus believe that sleep is important for their brain health, but over four in 10 (43 percent) say they don't get enough sleep. More than half (54 percent) of adults report they wake up too early in the morning and can't get back to sleep.

Below are several tips for sleeping better:

- Get up at the same time every day, seven days a week.

- Restrict fluids and food three hours before going to bed to help avoid disrupting your sleep to use the bathroom.

- Avoid using OTC medications for sleep because they can have negative side-effects, including disrupted sleep quality and impaired cognitive functioning.

- Dietary supplements such as melatonin may have benefits for some people, but scientific evidence on their effectiveness is inconclusive. Be particularly cautious of melatonin use with dementia patients.

- Avoid long naps; if you must nap, limit to 30 minutes in the early afternoon.

Source: AARP

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5 Ways to Brighten Your Winter Skin

January 12, 2017 12:27 am

Dry, cold air does more than just drive us indoors. It also dries out our skin. Adjust your winter skincare routine to keep yourself soft all season long.

Moisturize, moisturize, moisturize. When you find yourself turning the heat on at home, it's probably time to switch to a more hydrating moisturizer. Cold temps mean dry skin and it's no fun feeling like your skin is flaking.

Reach for the SPF. Most of us use SPF in the summer, but the harsh winter sun can actually do double damage on your skin by reflecting off snow. Use a daily hydrating moisturizer with SPF.

Eat water-rich foods. Good skincare isn't just about hydrating from the outside; you must also hydrate internally by eating water-rich foods that stay in your body longer and can give do more for your skin than simply drinking water. Try vegetables like green pepper, cauliflower and spinach, which are hydrating choices.

Your mouth matters. Your lips are skin, too. In fact, they're most susceptible to drying out in the winter months. Take care of them with a gentle lip exfoliation to get rid of excess dry skin using a small amount of sugar scrub, followed by a hydrating lip treatment.

Stay positive. If you minimize your stress level and keep a positive attitude it will make all the difference for your skin. Neuropeptides, which are released when you're angry or upset, can accelerate the aging process. Find reasons to feel good and hold onto the hope that spring will be on its way before you know it.

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Plan Ahead For Power Outages

January 12, 2017 12:27 am

(Family Features)--Ahead of the frigid winter weather blowing into cities and neighborhoods, families can take steps to prevent frozen pipes, spoiled food and the uncomfortable situations that arise when temperatures drop and a home’s power goes out.

Families that may endure a power outage this winter should remember these helpful tips to stay safe and comfortable.

Before the storm:
- Stock-up on batteries and flashlights.
- Evaluate the family’s non-perishable food supply and restock if necessary.
- Review how to manually open the electric garage door.
- Conduct a practice run to help ensure your family knows how to properly locate and operate any equipment required during the power outage.

During/after the storm:
- Never use a gas stove, oven or grill to heat a home.
- During the first few hours of the outage, keep the refrigerator and freezer closed. Snow can be used as ice to keep items cold in a cooler.
- Choose mittens over gloves and wear layered loose clothing to stay warm.
- Always operate a portable generator outside of a home.

Alternate energy source
- A loss of electricity poses one of the greatest potential dangers and inconveniences when a winter storm strikes.

“Having a backup power solution ready ahead of a utility power outage prevents most of the headaches that go with living without power. With backup power, families won’t necessarily need to worry about perishable foods going bad, for example,” said Dan Roche, director of marketing for portable power and cleaning systems at Briggs & Stratton. “This gives families the security they desire to comfortably ride out long winter months.”

The most popular backup power solutions are portable generators and permanently-installed standby generator systems. Both types of backup power can keep a home’s lights, furnace and necessary appliances working in the event of a weather-related power outage or other emergency. Understanding the differences and capabilities between the two options can make selecting the best generator for a family’s needs much easier.

Portable generators are generally low maintenance, compact and easily maneuverable on the property. These units are typically powered by gasoline and can work well as a quick solution during a power outage to provide reliable electricity to a few essential items and appliances such as a refrigerator, basic light circuits and portable electric heaters at the same time.

While portable generators can provide users with flexibility and comfort, they need to be used appropriately at all times in order to avoid carbon monoxide poisoning. Never run a portable generator inside a home or in a garage. Visit TakeYourGeneratorOutside.com to learn more about portable generator safety.

Families who want a backup power source that offers uninterrupted power should opt for a home standby generator system. Home standby generators are permanently installed, so they need to be done by a professional. These generators are connected to a house’s existing propane or natural gas line. When utility power to a house is interrupted, the home generator automatically turns on within seconds. Home standby generators can power more of a home’s high-wattage appliances, like the furnace, electric water heater, stove and clothes dryer simultaneously, so your family doesn’t experience any interruptions during unexpected power outages.

Source: briggsandstratton.com. 

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5 Ways to Protect Your Family in 2017

January 12, 2017 12:27 am

(Family Features)--Protecting your family and loved ones is one of your most important responsibilities. Many people think about protection in terms of physical acts, such as practicing safe driving, but there are many more aspects of your lifestyle and home that affect your loved ones’ safety.

Protect your family’s financial health

Although it can be painful to consider, your untimely death may leave your family reeling – not only emotionally, but financially, too. Life insurance can help cover funeral costs, child care or act as income replacement. It can also help pay off any loans you’ve accrued, such as a home mortgage, car payment, credit card debt or student loans.

If you don’t have life insurance, it’s never too soon to explore your coverage options. You may be able to save on premiums and get more coverage for your dollar by completing a health exam as part of your application, which helps build a more accurate assessment of your health.

If you do have coverage, it’s a good idea to regularly review your coverage to ensure it still meets your needs. Also check your beneficiaries to ensure your policies are updated with your current information, especially if your family has grown.

Ensure your family is breathing safe air

One threat you may not be aware of is radon, a radioactive gas that occurs naturally in the environment but can create significant health consequences in anyone exposed to unsafe levels.

Radon is an odorless, colorless and tasteless gas that can go undetected in homes until it is too late. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among non-smokers in America, and claims the lives of nearly 21,000 Americans each year. 

Know your own health status

It is difficult to protect loved ones if you are not healthy yourself. Make sure you receive proper preventive care, such as regular health screenings and check-ups that are recommended for your gender and age.

Many employers and health plans offer health screenings. If you have applied for life insurance, many policies provide the laboratory results from your application that you can share with your physician. Find a checklist of important preventive screenings at CDC.gov/Prevention.

Protect the home of your loved ones

There are over 2 million burglaries annually in the United States, according to FBI statistics. Home security systems can help put your mind at ease, and having a security system can also decrease the premiums you pay for monthly homeowner’s insurance. Studies have shown that homes with a security system see a 39 percent decrease in financial loss compared to homes with no security system.

Safeguard your family from fire hazards

The National Fire Protection Association estimates that two-thirds of home fire deaths result from fires in homes with either no smoke alarms or non-working smoke alarms. Batteries wear out and may be taken out to cease persistent beeping then never replaced. Smoke alarms should be in every bedroom, outside every sleeping area and on each level of your home.

In addition to regularly checking alarms and batteries, it’s a good idea to make a family escape plan in the event of a fire.

Source: MyExamOne.com.

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Smart Money Moves to Start New Year

January 10, 2017 12:27 am

The holiday rush is over, and reality sets in. It’s a New Year with new possibilities. For  those who’ve resolved to improve their financial health, Forbes Magazine suggests starting the year with five simple but critical strategies:

Take stock of holiday spending – If you went over budget, take a good, hard look at the damage and make concrete plans to correct it. Will you spend your holiday bonus to pay down debt instead of buying that new set of golf clubs? Can you rein in current spending and free up dollars to pay off a credit card balance?

Assess what you did right – Maybe you paid off a student loan or your largest credit card balance in 2016. Perhaps you managed to set aside some money toward a down payment on a home. Take a moment to pat yourself on the back for what you did right last year financially.  

Make a plan – Now that you feel good about what you accomplished, take the time to plan for 2017. Start by setting realistic new goals and mapping out a plan. Then take steps to achieve your goals, such as setting up an automatic savings deposit or opening a vacation account. If you didn’t accomplish all you wanted last year, this is the time to figure out why and make plans to turn that around.

File necessary quarterly taxes – It’s easy to get distracted while boxing up ornaments and exchanging Christmas sweaters. But if you’re self-employed or own a small business, remember that quarterly taxes need to be paid on or before the IRS deadline of Jan. 17.

Have a family financial chat – It can be tough to achieve financial harmony unless the whole family is onboard. Make sure everyone knows what the goals are this year, and toss around suggestions on the best ways to save, spend, and enjoy.

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3 Ways to Fight Mold

January 10, 2017 12:27 am

In addition to being unsightly, mold in your home can create numerous health problems, from breathing issues to skin irritations, fevers and more. Below are some tips for keeping your home mold-free.

Treat topically. Homeowners often have their own mold-murdering solution they prefer. Whether you prefer vinegar, hydrogen peroxide or bleach, clean surfaces monthly to keep mold growth under control. Make sure you research your topical solutions before applying them – bleach to a painted wall can discolor it.

Add ventilation. In addition to removing mold when it pops up, adding ventilation to an under-ventilated space can be key in keeping mold at bay. Your bathroom and basement are prime mold spots, so decide whether or not you should add an extra window to open the space.

Seal spaces. A crack in your basement's foundation may be the culprit of the mold popping up. Have an expert do a walk-through with you to point out problem areas and then plug them up to battle mold even when you're off-duty.

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Keep Your Fitness Goals on Track

January 10, 2017 12:27 am

Whether you're rebooting your routine or fine tuning your exercise program, setting goals is an important step to feeling your best. Below are five tips to help make and meet those goals all year long.

Be specific. When setting a goal, make sure it's specific, measurable, realistic, and time-bound. Something like "lose 10 pounds by April" will be more effective than "lose weight,” and "do 10 pull-ups" will keep you on track better than "get stronger."

Know why. If a goal is important to you, you should know why. Knowing how your goal will positively influence your life will help you follow through. Trimming down to feel more confident or gaining stamina to keep up with the kids are great motivators.

Find an accountability partner. Want to hit those goals? Don't do it alone. Having someone to answer to and keep you motivated can make a huge difference in achieving your goals. Having a set workout date with a friend or paid appointment with a trainer is more likely to keep you on track.

Reach for the weights. Women in particular tend to be afraid of using too much weight when working out, but using weights builds muscle that will burn more calories on a daily basis, even at rest. Incorporate dumbbells and barbells into your routine to truly change the shape of your body!

Recover right. When you start a fitness routine, it's easy to forget stretching and foam roller exercises, which help with workout recovery and optimal muscle performance. Forget this, and you may get sidelined from injuries or soreness, which are sure to kill your motivation.

Source: ProSource

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10 Ways to Be More Energy Efficient at Home

January 7, 2017 12:27 am

We all want to save money while helping the environment, and one simple way to do that is to scrutinize your energy usage at home. Here are 10 easy, low-cost tips for making your house operate more efficiently.

1. Insulate the water heater. Older natural gas storage water heaters can lose a lot of heat through their walls. Wrapping a heater in an insulating jacket can prevent excess heat loss and energy waste, but should be left to a professional installer so as not to accidentally cover the top, bottom, thermostat or burner compartment.

2. Seal leaks with weatherstripping. Air sealing, specifically weatherstripping, eliminates drafts to save energy while improving air quality and comfort. Weatherstripping reduces air leakage by creating a tight seal between movable components such as doors and windows. Before application, detect air leaks and assess the ventilation. Find air leaks through a blower door test from a qualified technician, or by inspecting inside and outside the home.

3. Insulate water pipes. Insulate hot water pipes to reduce heat loss and keep the water from cooling off before it reaches the tap. Adding insulation also will prevent cold water pipes from freezing.

4. Replace or clean the furnace filter. Change the heating system's furnace air filter on a regular basis to keep air flowing without overworking equipment. This also keeps out dust and dirt that can lead to expensive repairs or early system failure. A clean furnace filter can lower natural gas consumption by up to 2 percent.

5. Use less hot water. Reducing hot water use is an easy, affordable way to see significant savings on energy and water bills. Run the automatic dishwasher only when full, and wash and rinse full loads of laundry in cold water. Install low-flow showerheads, and don't forget to check for and repair plumbing leaks.

6. Use ceiling fans. Save on heating costs by using an ENERGY STAR® certified ceiling fan, which helps warm air circulate better and allows for setting the furnace temperature lower.

7. Install a programmable or smart thermostat. Programmable and smart thermostats can lower heating expenses and fit any lifestyle. Set the thermostat at 68 F, and then program it to decrease the temperature 8 degrees when no one is home and overnight. Smart thermostats are similar to programmable thermostats, but they also perform more advanced functions. A smart thermostat allows you to monitor and control the temperature in your home remotely from your smartphone or other web-enabled device.

8. Look for ENERGY STAR. If purchasing a new appliance, make it an ENERGY STAR rated appliance. For instance, an ENERGY STAR certified refrigerator uses less energy than a regular 75-watt light bulb.

9. Lower the water heater thermostat. Set your water heater thermostat to 120 F to save energy and money. For most homeowners, storage water heaters set above 120 F are simply using more energy without providing any additional benefits. One set to even 140 F can waste $36 to $61 annually in standby heat loss, and more than $400 in demand loss. Be sure to turn down the water heater when going on vacation to avoid energy waste.

10. Be smart with the fireplace. Open-hearth fireplaces draw heated air from inside the home, sending it up the chimney. When using the fireplace, install a snug-fitting set of glass doors and crack open a nearby window. Doing so reduces the amount of heated interior air drawn into the fireplace and improves efficiency by up to 20 percent.Source: Peoples Gas

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How-to Avoid Overdraft Fees

January 7, 2017 12:27 am

The only thing worse than a low bank balance is landing an overdraft fee as a result of you're low balance. These tips, courtesy of the Pennsylvania Department of Banking and Securities, can help assure you never get another overdraft fee again.

Sign up for automatic funds transfer: Instruct your bank or credit union to automatically transfer money from your savings or other accounts to your checking account to cover any shortages. Note: you may have to pay a fee for this service.

Sign up for low-balance notices: Sign up for text or email notices from your bank or credit union if your checking account balance drops below a certain amount.

Make sure funds are available: Make sure deposits into your checking account are actually available for your use before you spend that money. Note: review your bank or credit union's "funds availability" policy.

Take advantage of technology: Frequently check your account balances online, by phone, or nearby ATM machine.

Check all transactions on your statements: Carefully review your monthly account statements, looking for fraudulent transactions as well as taking into account any checks written and deposits made that may not appear until next month's statement.

SOURCE Pennsylvania Department of Banking and Securities

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5 Simple Ways to Enjoy More Family Time

January 7, 2017 12:27 am

(Family Features)--Skillfully balancing an entire family's demands from school, sports, activities and careers leaves little down time, but keeping family values front and center may be easier than you think when you make a commitment to carving out meaningful moments to share.

Unplug from the digital world. Today's technology-ridden world makes it easy for families to be present but not engaged. When you create a technology-free zone, you eliminate distractions so you can keep the focus on each other. Dedicate time every week to spend as a family without the use of TV, tablets, computers and phones.

Bond and bake together. There's a little baker in everyone. After all, who can help but "woo-hoo" when you pull fresh cupcakes out of the oven? Take a little time to embrace your inner Doughboy, turn your kitchen into a fun zone and savor all the moments with your family.

Share family stories. Reminiscing about special family moments is an essential part of keeping those memories alive. Showcasing old photo albums is a great way to share fun and nostalgic memories, which can help bring your family closer together. Whether it was a trip to the mountains or visiting a nearby museum, discussing and reliving these memorable moments can evoke fond memories and a willingness to create new ones.

Set a day each week for family night. It's easy to get caught up in a busy schedule, which is why consciously setting aside family time is essential. Once it's set, you may be tempted to turn the open night at home into an invitation to catch up on housework or even just relax. Avoid the temptation and instead look for fun ways to spend that time as a family. The dishes and laundry will still be waiting after you spend a few hours together. Start a puzzle or play a board game. Initiate a DIY project for the house, spend time baking or cooking a meal or simply sit together and talk about what's happening in the lives of those who matter most.

Create traditions. Rituals are a way of life. Find the little things that make your family unique and celebrate them together by creating special occasions that give everyone in the family something to look forward to and reflect on with joy. If you're passionate about cooking, volunteer at a local soup kitchen together once a month. If sports are more your game, arrange for regular family outings to support the local team with everyone decked out in their favorite lucky attire. Silly or sentimental, traditions are the stuff memories are made of.

Source: Pillsbury

 

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