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

Homeowners Ask: Is It Too Early for an End-of-Season Cleanup?

August 22, 2016 2:33 am


The answer is no!

Summer is coming to a close, and for homeowners, now is the time to conduct property maintenance ahead of the change of season. Home improvement blogger Michael Miller and Seniorific.com recommend an end-of-season cleanup include the following tasks:

Remove thatch build-up. Thatch prevents moisture, oxygen and sunlight from reaching soil, potentially inhibiting the growth of (and harming) the lawn.

Perforate the lawn to allow air, fertilizer and water to strengthen its roots and reduce compacted soil.

Feed the lawn with a slow-release fertilizer to allow grass to soak up nutrients that will help it recover from summer heat and stress.

Store the lawn mower. Consult the owner’s manual for best practices when disposing of unused gasoline and storing.

Plant spring bulbs, like daffodils and tulips, if the climate permits. (Planting too early can cause them to sprout before winter!)

Water shrubs and trees once they go dormant (but before the ground freezes). Use a root irrigator or soaker hose.

Stow hoses. Inspect the hoses thoroughly before putting them away for the winter—check for leaks around connectors, and drain all water out of the hose.
 

Published with permission from RISMedia.


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5 Credit Myths Debunked

August 22, 2016 2:33 am


There is a wealth of misinformation about credit—in fact, credit users, even those who check their scores often, incorrectly believe age, employment history and salary factor into a credit score, according to a recently released TransUnion survey.

“Checking your credit score is an important component of financial responsibility, but consumers should do more,” said TransUnion Consumer Interactive President John Danaher in a statement on the survey. “Our survey shows that even those who monitor their credit are only skimming the surface of their credit report and often don’t understand the factors that comprise their credit score.”

The most common misconceptions both credit-checkers and non-credit-checkers should know, according to TransUnion, are:

Myth: Checking my credit report will lower my score.
Checking your credit report will not impact your score—a lender checking your report, however, may.

Myth: Using my debit card will boost my score.
Use of a debit card does not reflect your credit habits, and, thus, will not impact your credit score.

Myth: My salary factors into my score.
Your salary will not impact your credit score, but a lender may factor it into the decision to approve your loan.

Myth: My credit card bill can be paid late, so long as it is paid.
Paying your credit card bill late will impact your score—late payments may remain on your credit report for seven years.

Myth: My credit score is all I need to know.
Checking your credit score is important, but so is checking your entire credit report. Assessing the full report not only helps you understand what impacts your score, but also helps you identify areas for improvement or errors.

Source: TransUnion
 

Published with permission from RISMedia.


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