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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 is Your Financial Fitness?

February 6, 2017 1:51 am

The gym isn’t the only area you can work on your fitness. How about your finances? The following financial wellness tips, courtesy of CFP, can help you save more, all year long.

Create a budget: Creating a budget is a simple way to determine how best to spend your money. Start by reconciling last year's expenditures and creating a list of necessary payments. Giving yourself a "cheap month," such as spending $100 a week, can help define your needs. In addition, working with your spouse or partner can help identify a realistic budget and prevent overspending.

Put yourself first: Spending too much on adult children, parents and other family members can jeopardize your long-term financial situation. Having children live within a budget will force more careful spending while teaching a valuable lesson. For adult dependents, spend carefully; you can't take care of others if you haven't taken care of yourself.

Maximize benefits: Take full advantage of your existing benefits package, such as your 401(k) or retirement plan. For a 401(k), make sure to maximize your investment by matching your employer's contribution. If you operate within individual funds, rebalance your 401(k) account periodically. Establishing a dollar cost averaging arrangement – investing set amounts at regular intervals regardless of the financial climate – for a new account, such as a Roth IRA or 529 plans, can also increase your savings.

Know yourself: Many people have chronic issues of overspending or mismanaging debt. Developing smart habits can improve your finances. If you fail to prudently spend with credit cards, cut them up. If you struggle to meet basic payments, round up to the nearest whole number on larger expenses. For example, if your car payment is $375, plan on spending $400 per month.

Big or small, everyone can take steps to improve their financial well-being.  

Source: www.CFP.net  

Published with permission from RISMedia.


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How to Make Your Valentine’s Flowers Last Longer

February 3, 2017 1:45 am

Fresh flowers can brighten anyone’s day – and that goes for men as well as women! Of the 110 million roses purchased each Valentine’s Day, 75 per cent are bought by men, according to Teleflora, one of the largest purveyors of fresh flowers delivered nationwide. But the number of women buying flowers for their loved ones is rising every year.

With proper care, most fresh flowers should last for seven to 10 days. So man or woman, if you receive a bouquet this February 14, revel in the fact that someone loves you – and keep those flowers looking fresh as long as possible by following these five Teleflora tips:

Feed them – That little packet of ‘life extender’ material that comes with so many delivered flowers is mostly composed of sugar. Use it if you have it. If not, add a nourishing teaspoon of sugar or an aspirin (not ibuprofen) to the vase after you fill it with water.

Water them – Fresh flowers drink a lot of water, and some are thirstier than others, so check the water level daily and keep the vase filled.

Nip the stems – Every two or three days, remove each flower and cut off an inch or so of the stem. Cut it an angle to ensure it absorbs the most water and toss out any discolored petals or buds that have fallen below the water line.

Display them in a cool spot – Cut flowers don’t like direct sunlight, so choose your display spot with that in mind.

Refresh them – After three or four days, remove the flowers, rinse the vase and refill it with room temperature water. Add sugar or an aspirin to keep bacteria from growing, and rearrange the flowers in it, discarding any blooms that have wilted.

Published with permission from RISMedia.


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