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
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Peter Cerruti

My Blog

Do You Know Your Generator Safety?

January 27, 2017 12:27 am

Many homeowners have a backup generator in case of power outages. If you’re the proud owner of a genny, or are considering making a new purchase, Gilmore offers tips on how to practice safe generator use during power outages.

Buy the right generator. Make sure to get a generator rated for the amount of power you need. Pay attention to the electrical loads shown on labels of lighting, appliances, and your equipment that you plan on hooking up to the generator.

Hire an electrician to set up a generator safely. Hooking up a generator to the home can be challenging. Consider calling a professional that can set-up the appropriate equipment in the appropriate place at your home.

Beware of generator hazards. The primary hazards to avoid when using a generator is carbon monoxide (CO) poisoning from the toxic exhaust, electrocution, and fire. Never use a generator inside a house.

Install battery-operated CO alarms or plugins. If CO gas enters your home and poses a serious health risk, the alarms will sound to alert you.

Never use portable generators indoors. This includes an indoor garage, carport, basement, crawlspace, or any other partially enclosed areas of the home. Opening doors and windows will not prevent CO buildup inside of a home. The CO from generators can lead to death.

Keep generators away from openings. If you want to keep your windows open during a power outage, be sure to place portable generators at least ten feet away from windows, vents, and doors to prevent CO entering the home.

Let the generator cool down before refueling. If gas spills on a hot generator it could potentially ignite and cause a fire.

Plug appliances directly into the generator. Never try to power all appliances from a small extension cord that runs from the generator. If you use an extension cord, make use of a heavy duty, outdoor-related cord that is (in watts or amps) equal to the connected appliances.

Do not plug the generator into a wall outlet. A hazard known as "backfeeding" can occur. It presents extremely dangerous electrocution risks to any nearby utility workers and neighbors on the same transformer.


Published with permission from RISMedia.


Sleep Tips for the Boss

January 26, 2017 12:27 am

Running a company or managing a fleet of employees is no easy task. Whether you’re up late working, or up late thinking about work, compromising your sleep is no way to be an effective leader.

To help combat work-related stress, Robert Half Finance & Accounting offers five tips for CFOs to mitigate work challenges and rest easier:  

Address issues as they arise. Workplace conflicts only get worse when ignored and avoided.

Set goals and timelines. Make the results you need to see from your staff clear, with deadlines and expected outcomes.

Recognize your team. Different people respond to varied motivational techniques, but everyone likes to hear when they're doing a good job. Don't hold back on genuine praise.

Evaluate your hiring strategy. In addition to having the necessary skill sets and fitting in with the corporate culture, great employees share a few qualities, including a can-do attitude, right-sized ego and sense of humor. Periodically refresh your recruiting plan to ensure you're attracting the right people.

Drive employee acquisition and retention. Finding skilled professionals when you need them can be stressful. But if you nurture a talent pipeline year-round, you'll be better equipped for the future.


Published with permission from RISMedia.


Are You Being Threatened by Collection Callers?

January 26, 2017 12:27 am

There's few things more embarrassing and troubling than a collection call. I recently learned an increasing number of those receiving collection calls are being bullied and intimidated by agents on the other end of the line.

In mid-January, a first of its kind Consumer Financial Protection Bureau (CFPB) survey revealed  more than one-in-four consumers contacted by debt collection agencies felt threatened, and one in seven were sued in state court.

Shockingly - the CFPB found the about 75 percent of those sued do not go to their hearing, - generally making them responsible for the debt.

Melissa Stegman, Center for Responsible Lending (CRL) Senior Policy Counsel recognized that an overwhelming majority of those in debt and being pursued by collectors are not in debt by choice, but due to unexpected job loss or serious illness.

Debt collectors generate more complaints to the Federal Trade Commission (FTC), CFPB, and many state Attorneys General than any other industry. And sadly, Stegman says, communities of color, lower-wealth families, service members, and older Americans are more likely to be harmed by these unscrupulous collection practices.  

CRL recently found that debt collectors frequently use state court to pursue Colorado residents, even when debt wasn't owed or where they lacked information to support a lawsuit. And 71 percent of these cases brought by four large debt buyers ended in a default judgment, meaning the consumer did not respond to the lawsuits and were legally stuck with the bill.

Lisa Stifler, CRL Deputy Director of State Policy said in a release that she has seen debt collectors lawsuits in state courts filed against the wrong person or for a debt not owed.

The CFPB also released a study of potential risks in the online debt marketplace, where consumer debts and personal information are for sale. This study found that most debts sold are at least five years old and 75 percent of those debts had previously been collected TWO or MORE times.

Review the entire CFPB study at:

Published with permission from RISMedia.


Can You Master the Art of Multitasking?

January 26, 2017 12:27 am

We’ve all done it: Finished an email while watching TV, doing chores while catching up with family on the phone. Multitasking can be an effective way to plow through your to-do list. Nearly 2 in 5 Americans (38 percent) feel they don't have enough time to complete household tasks, according to a recent Moen survey, conducted online by Harris Poll among more than 2,000 U.S. Adults. Below, Moen tells us how to multitask effectively.

Practice Prioritizing
More than half of Americans (59 percent) wish they could manage their time better throughout the day. Step one – learn how to prioritize. Determine the most important items on your list, then create a schedule that pairs complementary elements together. For example, while laundry is in the washer, use that time to vacuum, dust and mop. By the time you switch your clothes to the dryer, all your chores will be complete.

Use Your Mind and Body
While at home, nearly three quarters of Americans (71 percent) stated they usually multitask while watching TV and two thirds (67 percent) say they do so while cleaning.  By combining a physical task, like cleaning, with a mental one, such as making phone calls, you easily can check items off your list. Loading the dishwasher can be a tedious job, so why not make it an efficient chore by turning on your speaker phone and letting the conversation flow as you pre-rinse and load? Or, maximize time in the shower to make mental checklists or contemplate a challenge you're facing at the office.

Tap Into Technology
We live in the digital age, so it's no surprise that nearly three in five Americans (58 percent) use technology to multitask at home. Whether we're answering emails on our smartphones while stirring spaghetti sauce, or tapping away on our laptops during family movie night, tech tools make tackling several tasks at once super simple.

Don't let a busy schedule get the best of you. With a little effort, you can multitask your way to a completely crossed off to-do list.

Source: MOEN

Published with permission from RISMedia.


Tax Tips For Personal Injury Settlements

January 25, 2017 12:27 am

Like it or not, tax season is just around the bend. If you received a personal injury settlement or award this past year, it is important that you understand all the tax ramifications before filing your tax returns. Read the following helpful tips from Zanes Law.

Money for Pain and Suffering

The best way to look at the money that you are being paid for "pain and suffering" is that this is the actual money being paid to you for your physical injury.  Currently, according to the IRS compensation that a person is paid for physical injury is federal-income-tax-free. Compensation for emotional distress is also tax-free because it is considered to be part of your physical/personal injury.

Money for Medical Expenses

Money paid to you in order to cover your medical expenses is tax-free too. However, if you claim a tax deduction for accident related medical expenses and you are later reimbursed for those same medical expenses as part of your case, you must "recapture" that amount and will have to pay tax on it because you previously benefited from the deduction that you took.  If your settlement or award does not specifically allocate an amount for medical expenses and you previously took a tax deduction for your accident related medical expenses, the award or settlement is automatically considered to be a reimbursement for such expenses up to the amount of those expenses.  So the key here is the tax deduction.

Reimbursement for Lost Wages

Oddly enough, amounts paid for lost wages are federal-income-tax-free, even though the wages would have been taxable if you had received them.

What About Attorney's Fees?

You cannot deduct attorney fees incurred to collect a tax-free award or settlement for physical injury or sickness. In other words, no deductions are allowed for fees in order to collect tax-free compensation.


Published with permission from RISMedia.


Brush up on Your Winter HVAC Performance Tips

January 25, 2017 12:27 am

The winter is the worst time to have your HVAC system fail. To keep everything running smoothly, follow the following five tips courtesy of Winstar Home Services.

Clean your home
Your home is a reflection of your ductwork, as dirt and debris in your air filter comes from dirt and debris in your home. Removing all dust, dirt and debris will help your air filters work more efficiently.

Change your air filter
A dirty filter can slow down airflow, causing your system to work harder to keep your home warm (which also means wasted energy and a higher utility bill). A clean filter will prevent dirt and debris from building up in the system, which helps limit expensive maintenance and avoid early system failure

Clean your outdoor HVAC unit
Take a few minutes to inspect the area around your outdoor unit. Leaves, shrubs and grass cuttings can build up on the outside of your HVAC unit, decreasing the system capacity and reducing airflow.

As a general rule, keep trees, shrubs and other outdoor elements at least two feet away from the unit so it is free to pull in air.

Seal any gaps in your home and ductwork
Inspect both the interior and exterior of your home's windows, air ducts, and exterior doors for any cracks or gaps and seal any exposures. Even a small gap can lead to warm air escaping your home, which translates into more wasted energy.

Examine your thermostat
Check to make sure your thermostat is working properly and keeping your home at the right temperature. If you still have an older mechanical thermostat, it is recommended to upgrade to digital, programmable model, as switching to a programmable thermostat can save you upwards of $200 a year.

Some new models even allow for remote operation via a cell phone, which are perfect for extremely low temperature days, since you can save energy by setting the temperature lower during the day (when your family is out of the home) and then changing it to a higher temperature before heading home.

Source: Winstar Home Services

Published with permission from RISMedia.


Making Life Easy With Technology at CES

January 24, 2017 12:27 am

For me, Christmas from a reporting perspective comes in January with the opening of CES - the world’s gathering place for all who thrive on the business of consumer technologies.

CES has served up delicious and virtually limitless content as tech watchers ogle the practical, economical, environmentally conscious, user-friendlier, and often magical innovations. In short, this Las Vegas event has become the global stage where next-generation innovations are introduced to the marketplace.

Some of the coolest items being launched or touted form this year's CES trade floor include:

- The new Grillbot Pro featuring Bluetooth 4.0 connectivity enabling the control of certain functions from a smartphone along with a replaceable cleaning cartridge. Designed for any style grill, consumers just activate the device and head back to the kitchen to prep while the grill is being scrubbed.

- The Netatmo Healthy Home Coach home air quality monitor tracks air quality, noise, temperature, and humidity, and sends that information to an app that helps you make sense of what’s happening in your house.

- Simplehuman's voice-activated trash can comes in a smaller $180 garbage-only version and a larger $240 model that handles both trash and recycling. The cans open up to requests of "Open can" or “Open sesame,” and can be verbally instructed to close or stay open as well.

- Brink’s Home Security ARRAY smart lock from Hampton Products International connects to the cloud through an existing Wi-Fi router and features a rechargeable solar power system and compatibility with iOS, Android, and Amazon Alexa-enabled devices.

- Voxx Electronics Park-Daddy precision garage parking system provides an in-car plug in with adjustable tone sounds and a flashing red to green LED, along with easy to mount infrared transmitters that ensures your vehicle is safely situated whether you're pulling or backing in.

- With Amazon Alexa built-in, the LG InstaView Fridge becomes your second hub for the innovative voice controlled system, and features the ability to peek inside the fridge using built-in cameras, share a family calendar on the massive front-facing display, browse recipes, even shop and order groceries.

Published with permission from RISMedia.


Cities with the Highest and Lowest Credit Card Debts

January 24, 2017 12:27 am

Those struggling with credit card debt often feel like they’re the only ones. A recent WalletHub study shed light on cities whose residents have the highest and lowest credit card debts. Where does your city land?
According to the study, San Luis, Ariz. is the city with the lowest average credit-card debt, $2,880, which is 4.8 times lower than in Darien, Conn., the city with the highest at $13,817. 

Scarsdale, N.Y., has the highest median income, $104,234, which is 8.8 times higher than in Carbondale, Ill., the city with the lowest at $11,913.
Cupertino, Calif. is the city with the shortest payoff timeline of about 10 months, which is 19.2 times shorter than in West Chester, Pa., the city with the longest at 192 months.

Cities with the Least Sustainable Debt

West Chester, Penn.
Ruston, La.
Stillwater, Okla.
Lake Placid, Fla.
Monsey, N.Y.
Milledgeville, ga.
Marquette, Mich.
Hammond, La.
Laramie, Wy.
Carbondale, Ill.
Cordele, Ga.
Warrensburg, Mo.
Auburn, Ala.
Dahlonega, Ga.
Richmond, Ky.
Ames, Iowa
Deming, N.M.
San Marcos, Texas
Beaver Falls, Penn.
Kalamazoo, Mich.

Cities with the Most Sustainable Credit-Card Debts

Cupertino, Calif.
Saratoga, Calif.
Sunnyvale, Calif.
Mountain View, Calif.
Los Altos, Calif.
Lexington, Mass.
Foster City, Calif.
Palo Alto, Calif.
Fremont, Calif.
Sammamish, Wash.
McLean, Va.
Dublin, Calif.
Chevy Chase, Md.Arlington, Mass.
Santa Clara, Calif.
Redmond, Wash.
Powell, Ohio
Belmont, Calif.
San Ramon, Calif.
Pleasanton, Calif.

Source: WalletHub

Published with permission from RISMedia.


Job Hunting? Check out These Hiring Trends

January 24, 2017 12:27 am

If you’re looking to change companies or change careers altogether, you’ll be ahead of the game if you know what’s important to today’s employers.

"Knowing what to expect in terms of hiring trends will give you a leg up in your job search," says Jessica Holbrook Hernandez, a resume writer and president of Great Resumes Fast. Hernandez advises keeping the following hiring trends in mind.

Know your high-growth industries. Employers in certain industries will be looking to hire the best of the best, so expect recruiting to be especially competitive in hospitality, manufacturing, healthcare and technology.

Fitting in matters. Maintaining the right culture is extremely important in today’s business world. No surprise then that it’s playing a big role in hiring decisions, with 60 percent of recruiters reporting culture fit of “high importance” in a recent JobVite Recruiter Nation survey. Culture fit was second only to previous job experience, which 67 percent of recruiters said was of “utmost importance” when hiring.

Employee referrals. Next to internal hires, employee referrals garner the best talent for companies, according to the study. "I encourage my clients to connect with someone they know inside a company when asking for a referral—or reaching out to someone in a company through connections on social media,” says Hernandez. “Sixty-four percent of recruiters report offering monetary bonuses to incentivize employees to help recruit top talent.”

Don’t be afraid to ask. The intense competition for the most-skilled and qualified employees means employers are willing to pay. According to the JobVite survey, 68 percent of companies reported increasing "the average salary offer for candidates over the last year, particularly industries such as hospitality, telecommunications, and software."

Supercharge your social. Recruiters are still using social media to vet prospective employees. The overwhelming majority of recruiters (87 percent) are turning to LinkedIn as the best way to research prospective employees, so make sure your profile is professional, complete and up-to-date. Facebook came in as the second-most-valuable social network for vetting potential employees, so make sure your page represents who you are as a professional.


Published with permission from RISMedia.


Creating your Get-out-of-Debt Plan

January 20, 2017 12:27 am

Consumer confidence is on the rise, which is great for our economy, but may mean more debt for many over-enthusiastic buyers. A recent poll by the National Foundation for Credit Counseling® (NFCC®) revealed that 80 percent of respondents have placed debt repayment at the top of their goal list this year. That’s encouraging news, but the question is where to start?

The NFCC offers these strategies for taking on the daunting task of paying down debt:

- Knowledge is power when it comes to managing debt, so start by examining every detail related to each debt: balances, transactions, interest, fees, terms and conditions. Don’t leave any stone unturned, and be sure to ask questions along the way. This will empower you to put the right plan in place.

- Pick up the pace. High interest rates and lengthy repayment schedules are a costly combination, so make plans to accelerate the payoff of balances so they cost less over time. The key is to pay more than the minimum whenever possible.

- There is always a way.  If there is no extra money to be found for paying down debt faster, reach out to trusted sources who can help you uncover some solutions. Start with the lender to see what programs they may offer, but also work with a nonprofit credit counseling agency to help you brainstorm possibilities for affordably managing your debt. These experts will have ideas that you never thought of, so take advantage of their services.

Remember, repaying debt can be a very long process, especially when it involves a mortgage or auto loan, so devising a plan and quickly putting that plan into action is essential. Before long, you’ll begin to make progress and take back control of your finances.

Source: NFCC

Published with permission from RISMedia.