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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

Fall Lawn Care: 5 Tips from 5 Experts

October 5, 2016 2:24 am

Weekend-in and weekend-out, we’ve spent our summer keeping up with lawn care. No wonder most of us let it fall by the wayside come the change of season!

The fact is, neglecting your lawn in fall can undo all of that hard work from summer. Fall, according to Bryan Ostlund, executive director of Grass Seed USA, is when grass fortifies its reserves for winter, making maintenance during this time essential.

“Lawn care begins to change in the fall as your lawn tries to take in as much nutrients and moisture as it can in preparation for the dormant winter months ahead,” explains Ostlund. “Simple lawn care chores such as reseeding, weeding, aerating and fertilizing help a lawn immensely and show nearly immediate results come spring.”

These to-dos, Ostlund says, come from seven subject matter experts:

1. “Fall is a great time to seed! Lawns with poor density or bare areas will become infested with weeds if you do not add more turf grass. I would suggest a mixture containing perennial ryegrass for quick germination.” – Oregon State University Assistant Professor and Turf Specialist Alec Kowalewski

2. “It is important to purchase quality grass seed. Make sure the seed was tested in the last six months and check that the germination rate is 85 percent or better.” – University of Arkansas Associate Professor of Turfgrass Science Douglas Karcher

3. “Soil temperatures need to be greater than 60 degrees for good germination, so it is generally better to seed a bit early than later.” – North Carolina State University Professor of Turfgrass Sceience Grady Miller

4. “Have your soil tested. A soil analysis is inexpensive and provides important information about nutrient levels and soil type. Liming, fertilizing and seed selection may all depend on the results of a soil analysis.” – University of Tennessee Assistant Dean for College of Agricultural Sciences and Natural Resources John C. Stier

5. “Start fertilizing grass to promote recovery and growth. Approximately 75 percent of the annual fertilization of the grass should be applied throughout the fall to extend the green color period and reduce dormancy of the grass.” – Texas Tech University Assistant Professor Joseph Young

For more from these experts and others, visit

Source: Grass Seed USA (

Published with permission from RISMedia.


Mom, Me and Junior: Insuring a Multigenerational Household

October 5, 2016 2:24 am

American households today are poles apart from those in recent years, as living arrangements continue shifting to accommodate adult children, aging parents, and the generation between them. This change, according to the National Association of Insurance Commissioners (NAIC), can impact your insurance needs.

“Longer life spans, decisions to marry later and the tight job market have forced many middle-aged adults to share their homes with family members across generations,” explains John M. Huff, president of the NAIC. “When there is an increased headcount under your roof, there are likely new insurance implications.”

Huff and the NAIC point to an “empty nest reversal” trend, in which baby boomers (and some in Generation X) have become responsible for housing an adult child and an aging parent—an arrangement that may require changes to insurance coverage.

In the case of adult children (“boomerang kids”), communicating expectations is essential, especially because housing an adult child can be costly. Some questions to consider, according to the NAIC:

• Will the adult child be solely responsible for health insurance?

• Will the adult child’s driving record result in a higher automotive insurance premium? Will the adult child be responsible for the additional cost?

• Will the adult child’s big-ticket items (e.g., electronics) result in a higher homeowners insurance premium? Will the adult child be responsible for the additional cost?

Moving in aging parents also requires consideration. According to the NAIC, questions to ask include:

• Is the aging parent covered by Medicare?

• Is the aging parent current on insurance premium payments (including those for life insurance, if applicable)?

• Is the aging parent in need of long-term care insurance?

These questions, though at times unsettling, can help you as a homeowner in a multigenerational arrangement obtain insurance coverage that aligns with the needs of your household. If you anticipate moving in an adult child or aging parent in the future, keep these questions in mind as you prepare for the change.

Source: National Association of Insurance Commissioners (NAIC)

Published with permission from RISMedia.