RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Protect Your Mortgage Data from Hackers

September 25, 2014 1:31 am

Because they’re part of the financial industry, mortgage lending sites have the benefit of regulation that extends to online cyber security. Though mortgage websites are more secure than others, homeowners must still take steps to ensure their mortgage documents remain inaccessible to hackers. Research a lender thoroughly before handing over any personal information, and confirm that their website is secure by considering these qualifications.
1. Is the site securely connected? The best indicator of a secure connection is the ‘https’ URL and lock symbol beside it. If a pop-up warning arises, don’t ignore it.

2. Does the site require a password? Make sure the password prompt requires a strong code with combinations of upper and lowercase letters, numbers and symbols.

3. Does the site offer an alternative message form? Seek out another form of communicating with your lender other than email.

4. Has the lender informed you of their security measures? If not, ask. You will be able to gauge whether or not security is a priority for them by their response.
Once you’ve evaluated a website for security clearance, continue to view credit reports throughout the year to find evidence of identity theft, especially if you have a new mortgage. Be aware that while some information will be public record (address, purchase price, etc.), sensitive data such as a Social Security number and tax returns should always remain between you and the lender.

Source: Bankrate

Published with permission from RISMedia.


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Seasonal Home Decor: 5 Fall Trends

September 24, 2014 1:31 am

With fall in full swing, homeowners should take time to transition from summertime decor to autumnal accents throughout the home. Usher in the change of seasons by pairing these trends with rich, saturated colors.
  • Go natural. Natural and organic patterns are a big trend this fall -- add branch-patterned textiles and wall coverings for a dose of whimsy. A swirled or marbleized pattern is also popular and works well on accent pillows or bedding. For an unexpected twist, try an oversized natural organic print painted onto a dining room wall. For a crisp, monochromatic look, paint the design in two shades of the same color.
  • Glamour-ize. Try changing out the hardware on an accent chest or dresser, or hang a fun light fixture in an office, powder room or bedroom in a gold finish. It's okay to mix finishes in this case -- gold blends nicely with bronze and black finishes used elsewhere in the home.
  • Create coziness. Cooler weather encourages the transition from sleek and modern kitchens to a more cozy, relaxed feel for the space. Add décor and accessories created from reclaimed wood for a warm, rustic space this season.
  • Add sparkle. Large mirrors and mirrored surfaces add depth and interest to any space. Use a leaning floor mirror in a dining room, a large round mirror over a fireplace or entry console, or a large hanging mirror in a small space to reflect light and make a space appear larger. For a real wow factor, use a collection of vintage mirrors along a hallway or staircase to create a striking gallery display.
  • Mix it up. Avoid matching and coordinating sets, décor and fabrics. Bring in a mix of styles, old and new, and crisp and soft. This will make your home look lived in and add a designer touch.
Source: Ace Hardware

Published with permission from RISMedia.


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