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

5 Ways to Curb Energy Costs This Summer

May 31, 2016 1:42 am

Our utility bills seem to rise along with the thermometer come summer. Certain steps and upgrades can help cut down on cooling costs and other seasonal home expenses.

One minor task that has major impact is cleaning the HVAC filter, says Ameeta Jain, co-founder of Homeselfe. Regardless of the unit you own, cleaning the filter on a regular basis is important. When the filter is dirty, the system consumes more energy. With a clean filter, the system can cool your home more efficiently.

Another task to consider is mulching your garden, Jain says. Mulch lessens the amount of watering needed for plants, reducing expense and consumption. Mulch works to prevent evaporation so plants have more time to absorb water.

Jain recommends using a rain barrel to collect water, as well. Harvested rainwater can be recycled in the garden, saving even more money on water bills.

Energy-smart upgrades are also a consideration, Jain says. Apply window film to your windows to block heat from entering the home (while preserving the view!), resulting in less use of the A/C. The best part? Window films on the market these days are easy to DIY-apply.

Consider installing a programmable thermostat, too, says Jain. Newer models allow you to set different temperatures for various times throughout the day. You may, for example, want to set your thermostat to turn off while you’re at work and then cool down right around the time you’re on your way home.

Though these tips are seasonally-related, they can be applied year-round, Jain adds: “It’s always a good time to reduce your energy consumption and save on utility bills!”

Source: Homeselfe

Published with permission from RISMedia.


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Rebuilding Your Rocky Credit Score One Piece at a Time

May 30, 2016 1:39 am

A credit score is mainly based on your history of managing debts, such as whether you tend to make payments on time. It plays a significant role in your everyday life because the next time you apply for a loan or a credit card—or perhaps a new apartment or insurance—your score could affect the final decision, including your costs.

For the many consumers with damaged credit scores and those with no credit record, here are some ways to improve your credit scores from the FDIC:

Consult with a reputable credit counseling service to help develop a customized plan to improve your credit score, which can help you prioritize your spending choices. Counseling services are available to help consumers budget money, pay bills and develop a plan to improve their credit histories.

Bear in mind, however, that not all counselors are looking out for the consumer's best interests. Be cautious of counseling services that advise you to stop making payments to your creditors or to make your payments to the counselors instead. These programs can be costly, may result in your credit score becoming even worse, and they could be scams. For suggestions on finding a reputable counseling service, visit the Federal Trade Commission's website at FTC.gov.

Understand what information is most likely to influence your credit score. In general, the most significant factor affecting your score is whether you repay debts on time, and how much you currently owe on each account compared to its original loan amount or credit limit.

Additional factors include how long you have had your current loans and credit cards, and the types of credit accounts you have.

To obtain and review a free copy of your credit report, visit www.AnnualCreditReport.com or call toll-free 1-877-322-8228.

Published with permission from RISMedia.


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