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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

Off to College? Money-Saving Tips for First-Years

September 1, 2016 1:03 am


Starting college is exciting, but move-in can overshadow important financial considerations for freshmen.

“A college career comes with newfound independence, and for many students, this change comes with a new level of personal responsibility,” says Joe Mason, chief marketing officer of Allianz Global Assistance USA.

One of the first steps incoming students should take, Mason says, is to locate an area bank. Proximity to charge-free ATMs is key, especially if the student is studying far from home.

Allow for parking expenses, as well—many institutions impose fees on students who park on campus, Mason explains. Keep an allowance handy to avoid more costly tickets.

Password-protecting all electronic devices is also important, because it will prevent cyber criminals (on campus and off) from accessing identifying financial information, Mason says.

Look into tuition insurance, Mason adds. Tuition insurance will cover losses should the student have to take an unexpected leave of absence.

“While day-to-day money management strategies are important, it is just as critical to prevent larger financial losses,” Mason says. “Increasingly, parents and students are choosing to protect their college savings with tuition insurance, just as they protect other large investments, such as their homes and cars.”

Eight in 10 financial advisors recently surveyed by Allianz recommend tuition insurance for students taking out loans to finance their college education.

“Safeguarding your tuition investment is a smart financial decision. Even the best students can struggle with adjusting to the demands of a university, fall ill or need to leave school for another unforeseen reason,” Mason says.

Source: Allianz Global Assistance USA
 

Published with permission from RISMedia.


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Starting Your Smart Home Transformation

September 1, 2016 1:03 am


(Family Features)—The smart home movement is here to stay—but converting yours may seem intimidating. Transform your home to the times in just a few simple steps, courtesy of the experts at Chamberlain (Chamberlain.com):

Budget
Smart home technology once reserved for the well-off is now mainstream, so your budget will go further than it used to—in fact, you can get smart for less than $100. Two of the most important considerations when establishing your budget is your desired level of integration and the size of your home.

Brainstorm
Consider products that will make your household more convenient—a smartphone-controlled sound system if you entertain often, for instance, or a wireless washing machine starter for those days you forget to turn it on. Brainstorm room-by-room to determine areas that could benefit from smart home efficiency.

Pair
There are several smart home products available on the market today, so it is important to purchase ones that integrate with one another, as well as function with products you may add in the future. Pairing products will not only improve your smart home experience, but also spare you the expense on extraneous support products.

Prioritize
Going smart at home can be overwhelming. Install the products you plan to use daily first—an automatic garage door opener or a programmable thermostat, for example. Reserve seasonal products, like a smart sprinkler system, and install them at a later date.

Make your smart home transformation seamless with these steps—they’ll get you across the threshold into your new smart home!

Source: Chamberlain
 

Published with permission from RISMedia.


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