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 Reduce College Costs in High School

August 29, 2014 1:33 am

(Family Features)—College is a significant investment and how to pay for it can be a major source of concern for parents and students. However, there are ways to reduce the amount of debt you take on when preparing for higher education.

Outstanding student loan debt has now reached $1.2 trillion, according to recent estimates from the Consumer Financial Protection Bureau. Yet there are ways to help reduce the amount a family or student has to borrow to fund a college education, if families start early.

1. Earn college credit in high school. Many high schools offer students the opportunity to earn dual high school and college credit, before college, through advanced placement (AP) courses. You can learn more about AP programs online.

2. Consider a community college. Average annual community college tuition and fees are less than half those at public four-year colleges and universities and one-tenth those at private four-year colleges and universities, according to a 2008 report from the National Center of Education Statistics.

3. Learn about college savings financial options. There are many different financial products to help save for college. Under certain circumstances, some colleges and universities lock in tuition for all four years. Even certain life insurance policies offer cash savings options to help pay for expenses such as college tuition, weddings, or starting up a business. Look for permanent or whole life policies with cash value accumulation options.

4. Research scholarships early. Scholarships are available for traditional and non-traditional students, but don't wait until senior year to research. Some require organizational membership, volunteer hours, or criteria that may take time for the student to be eligible.


Published with permission from RISMedia.


Know Which Professional Is Right For Your Kitchen Remodel

August 28, 2014 12:57 am

Kitchen renovations rank highly for those seeking to add value to their home. Kitchen remodels often reap the most reward when listing the home on the market, but they can be a challenge for homeowners financially. Before you upgrade, consider the scope of the project. Then, hire the right professional for the job to avoid overspending.

Remodeling contractor – Most renovations require the assistance of a certified contractor who has at least five years of experience. A certified contractor is equipped to tackle any project from demolition, electrical and plumbing to ventilation and installation. They are also responsible for outsourcing tasks to other professionals if needed.

Interior designer – Contractors typically work with designers to select the right aesthetics and finishes for a particular room. An interior designer might be worth hiring if you want your kitchen to flow seamlessly with other rooms in the home, or if you want to achieve a custom look with uncommon materials.

Kitchen designer – Not to be confused with an interior designer, a kitchen designer is important to have on hand when reconfiguring an existing space. Consider hiring one if you are planning to redesign a cabinet layout or move non load-bearing walls.

Architect – Your local zoning board may require an architect to authorize renovations, so be sure to check regulations before beginning a project. Architects are also helpful when rearranging load-bearing walls, tampering with mechanical systems or making any other major structural changes.

Source: Consumer Reports

Published with permission from RISMedia.