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

Four Ways to Save this Halloween

October 3, 2014 1:31 am

(Family Features) As many families with small children know, Halloween is a highly anticipated holiday packed with clever costumes, yummy candies and spirited parties.

But for many parents, the costs associated with this much-loved occasion can be downright frightful. In fact, according to the National Retail Federation, Americans will spend an average of $72 on Halloween this year, which comes to $7 billion in spending nationwide. With so many ghoulish get-togethers taking place, many parents are looking for ways to stretch their dollars without missing out on any of the fun.

Enjoy more thrills this season with these money-saving tips.

Choose costumes with options. Going to several Halloween parties, but don't want to spend money on extra costumes? Check out costumes that serve a dual purpose, or choose one costume that can be re-used with different accessories.

Save on ghostly gatherings. There are many ways to celebrate without emptying your pocketbook. Invite friends over for a Halloween potluck and encourage each guest to bring a dish to share with a spooky name. Rent or download classic horror films for an after-dinner movie marathon everyone will enjoy.

Shop from home. Save time and avoid the headache of running around town looking for the perfect costume by shopping online. Buy from retailers that allow shoppers to browse and purchase online, and then pick up in-store for no additional fee.

Trick or treat locally. Many parents spend Halloween evening carting children around to various locations across town. Save gas money by only allowing your little goblins to trick or treat within your neighborhood. This will help you get to know your neighbors and get a little exercise in, too.

Source: Kmart

Published with permission from RISMedia.


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FICO 9 Changes Could Impact Credit Score

October 3, 2014 1:31 am

With the rollout of FICO’s updated scoring system slated for the near future, it’s important for consumers to continue to practice good credit habits. The Better Business Bureau advises that FICO 9 will result in these three changes, which may impact your credit score.

1. Lack of credit history will be a non-factor. FICO 9’s new algorithm assesses loan risk instead of history, eliminating challenges for young adults or those with little to no credit.

2. Medical debts will hold less weight. Incurring debt from a medical circumstance is often unavoidable. Once FICO 9 goes into effect, experts estimate that those with medical debt and an otherwise good credit history will see a 25-point increase in their score.

3. Collected debt will not be heavily evaluated. Debts paid to a collections agency will have much less of an impact thanks to a forgiveness policy that could result in the addition of 100 points or more to your score.

Source: BBB

Published with permission from RISMedia.


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