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

Big DIY Results on a Little Budget

October 14, 2016 12:51 am


(Family Features)—With an abundance of home improvement shows now on television, DIY has evolved from an intimidating trade for the pros to an easy-to-manage project for even the least handy.

Transforming a home from disaster to delightful through DIY projects is much easier than you think, and can save you a bundle in the process. If the thought of doing your own handiwork has you wiping your brow, think again with these easy improvements:

Stained Tubs – Grime and grit build-up in the tub is difficult to remove, making an already annoying mess even more of a headache. Depending on the type of material your tub is made of, you can opt for an abrasive powder, baking soda, or even a pumice stone to rub out those nasty spots.

Wall Dents and Holes – Wrestling matches among the kids, rambunctious pets and moving furniture all take a toll on your walls. Dings and scratches are easy to fix with a little spackle and paint, but with the right resources, so are bigger blemishes—even outright holes.

When you use a repair kit, there's no need to hire a pro or buy a bunch of tools. Such kits, for holes up to five inches in diameter, include everything you need to fix anything from a can-light hole in the ceiling to a door knob hole in the wall—no experience required.

Dripping Faucets – Plumbing can be especially intimidating, but one of the most common plumbing annoyances—a dripping faucet—can be fixed in a few minutes with just a few dollars.

Usually, the cause of a drippy faucet is a washer or O-ring that has gone bad—you can simply replace those parts. Turn off the water, then use a screwdriver or hex wrench to loosen and remove the faucet fitting. You should be able to easily see the washer and ring fittings. Just replace the old with the new and reassemble. (Note: If the drip is coming from a faucet with separate handles for hot and cold, you'll want to isolate which handle is the culprit before you get started.)

Source: Family Features Editorial Syndicate
 

Published with permission from RISMedia.


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How Mortgages Factor In to Debt Profiles

October 14, 2016 12:51 am


Most Americans identify a mortgage as the largest source of debt they carry—an unsurprising statistic, given that the majority of monthly budgets are spent on housing. A mortgage, however, is commonly referred to as a “good kind” of debt, one that leads to long-term wealth and security.

GOBankingRates (GOBankingRates.com) recently took a pulse on the debt profile of some 3,000 Americans, finding 39 percent of those surveyed carry mortgage loan debt—“good” debt. On par with that percentage are the 38 percent surveyed who carry credit card debt—not-so “good” debt. Thirty-one percent surveyed carry auto loan debt; 27 percent carry student loan debt; and 21 percent carry medical debt.

The results of the survey reveal the median mortgage debt is $59,500, though that median trends much higher among those with high incomes. To compare, the median credit card debt among those surveyed is $2,000; the median auto loan debt is $8,000; the median student loan debt is $9,100; and the median medical debt is $600.
Importantly, over half of those surveyed (51 percent) say they are “debt-free”—GOBankingRates attributes this belief to the fact that most of us overlook what we perceive to be minor debts, placing more importance on larger amounts, like mortgages.

Good, bad, major or minor, making payments consistently is key, says GOBankingRates Life + Money Columnist Cameron Huddleston.

“Our survey found that Americans are saddled with various types of debt, from mortgages and student loans to credit card and medical debt,” said Huddleston in a statement on the survey, “but it is a burden that can be overcome. The best way to dig yourself out of debt is to make paying off what you owe a priority.”

Source: GOBankingRates.com
 

Published with permission from RISMedia.


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