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

Save Energy This Winter

February 6, 2017 1:51 am

Regardless of how cool or warm you like your home to feel, you probably like to save on heating bills.  Below are a handful of simple tips you can use to save energy and money this winter, courtesy of the Florida Power & Light Company.

Start at 68 – If you need to heat your home, set your thermostat to 68 degrees with the fan set to "auto" and be sure to turn off your heat when you leave. Every degree below 68 saves you five percent on heating costs.

Check your filters – Clean or replace your air conditioner filter regularly (approximately each month) to help your unit operate more efficiently.

Keep warm air in – Seal doors and windows with weatherstripping or caulk, which helps prevent warm air from leaking out.

Harness the sun – Make sure your south-facing windows are clean and open those curtains during the day to heat your home with the sun.

Lower your water heater temperature – Set your water heater temperature at 115 to 120 degrees to conserve energy. Shortening your showers helps, too!

Source: FPL.com/wintertips.

Published with permission from RISMedia.


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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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