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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

How to Keep Credit Scores High

March 9, 2018 1:27 am

Did you know March is National Credit Education Month? In honor of the occasion, let’s review some of the top ways to keep your credit score soaring.  

The online consumer finance platform even launched a new consumer education website for Credit Education Month to better educate consumers about credit health. is designed as a first stop for consumers to educate themselves on the importance of actively managing credit, illustrating the impact of credit scores and what influences them, how to read a credit report, and how consumers can take control of their credit situation.

New York-based Fora Financial ( advises consumers to understand their personal credit score, which can range from 300 to 850. Fora says personal credit reports containing credit scores and details on what things affected that score can be accessed for free through various websites.

According to, the national average personal credit score in the U. S. is 695.

Fora's experts recommend checking that score frequently, even if you think your credit scores are sufficient. There could be an error on a credit report, or your score could fluctuate depending on whether or not you make payments on-time, among other factors.

If you’re serious about boosting your personal credit score, Fora Financial says a good place to start is by paying bills early or on-time. If paying bills late is a bad habit, set up payment reminders through banking portals so you’re notified before a payment is due.

And while reducing debt is easier said than done, Fora's experts say paying off an outstanding balance can be a great way to improve your credit score. Even if it is reducing it by small amounts, it is important to make an effort to pay off debt.

Published with permission from RISMedia.


Simple Solutions to Combat Winter Skin Sensitivity

March 7, 2018 1:24 am

(Family Features)--The winter season is still here, and it's important to get in the habit of taking care of your skin. Cold weather brings low humidity levels and dry air, which can suck the moisture from your skin, and without proper care, skin can become dry, cracked and irritated, causing discomfort.

This winter, focus on a regimen that helps protect and hydrate skin so you can spend time enjoying the benefits of winter like family game night, snow days and snuggling by the fire.

These simple tips can be easily incorporated into your family's daily routine, keeping skin feeling soft and healthy.

Hydrate Inside and Out. Staying hydrated during the hot, summer months is a given, but it’s also important to remember that cold winter air can leave your skin parched. Use a humidifier to keep skin hydrated during the dry months and be sure to lather on moisturizer. Natural moisturizers like coconut oil and shea butter can act as protective barriers against harsh elements, sealing in moisture. In addition to hydrating on the outside, it’s just as important to stay hydrated on the inside. By drinking water throughout the day, your skin can stay healthy and moisturized.

Switch to a Mild Laundry Detergent. Many common detergents can be abrasive to sensitive skin, especially when it’s more vulnerable to irritation during the harsh winter months. Wash bed linens, towels and clothes with a mild detergent, especially during the winter months.

Avoid Toxins, Specifically Allergens and Irritants. Products that contain toxins, allergens and irritants should be avoided during months when skin is most sensitive. Choose moisturizers and skin care products that don't contain common irritants, and opt for mild cleansers and moisturizers that are specifically labeled for sensitive skin. Castor oil is another moisturizer alternative that’s natural and can be used on both the face and body.

Layer Up. Lock in moisture and protect your skin from wind, rain and snow by wearing layers whenever you venture outside. The skin on your neck, face and hands is thinner than other areas of the body and, therefore, more sensitive to the effects of winter weather. Thermals, scarves and gloves can keep you warm and protect your skin from the cold, dry air. For those with sensitive skin, avoid synthetic fabrics and itchy materials like wool, and wash clothes with a dermatologist-recommended detergent.

Source: all laundry

Published with permission from RISMedia.