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

Saving $1,000 in Just 6 Steps

September 22, 2016 1:54 am

Whether you’re new to the working world or have been employed without a budget, the first $1,000 you save may be the most important money you ever sock away. It’s the cushion you need against unexpected expenses, and the cornerstone for building a savings habit. From The Motley Fool come six simple steps to get there:

“Snowball” Your Debt – Attack your debt with gusto, paying as much as you can on your highest interest credit cards, moving on to the next-highest as you go. As your debt decreases, you will naturally have more cash to stow away.

Renegotiate Rates – Most credit card providers will lower your rate if you ask (and have a good payment record). If one provider won’t lower your rate, move the balance to a lower-cost provider.

Cut Spending on Stuff You Won’t Miss – Whether it’s a gym membership you aren’t using, a magazine or cable TV subscription or more cell phone data than you need, rein in what you’re spending each month and redirect that cash to savings.

Find Lower-Cost Alternatives – Fast food coffee can taste as good as high-priced options, and you may decide to brown-bag your lunch four days a week and eat out only on Fridays. Look for savings pathways you can live with.

Sell Stuff You Don’t Use – Try Craigslist, eBay, or an old-fashioned garage sale to sell the stuff you no longer want. Use the cash to speed up your debt snowball, or stash it away in the bank.

Work a Little More – Put in overtime. Take on an extra shift. Find a part-time second job, or use your talent to create and sell your goods or services online or at local craft fairs. Working more leaves less time to spend, and the extra income will help you build that first nest egg of $1,000.

Published with permission from RISMedia.


Foundation to Roof: Energy-Efficiency from the Ground Up

September 22, 2016 1:54 am

“I start construction with precast concrete wall panels and then add an insulated basement slab to give my homes a head start on their high performance energy efficiency package. I'm building homes that are more than twice as efficient as a standard home built to ‘code.’”

So says Shawn Jessup, owner of S.D. Jessup Construction, Inc. in North Carolina. Jessup and builders like him are making strides in the energy efficiency arena, constructing new homes with energy-saving features from the foundation to the roof.

The foundation, Jessup notes, sets the “energy tone” for the entire home, calling for add-ons like extra insulation, foam-backed siding or structural insulated panels.

Entry points outfitted with ENERGY STAR®-qualified products also contribute to a home’s overall energy efficiency, adds Jeffery Nofziger, president of Haas Door.

“Advances in steel and aluminum bring both strong insulation factors and beauty to the garage door offerings for the home,” says Nofziger. “Mother Nature can throw some pretty nasty weather at a home, and a garage door takes the brunt of that weather.”

The roof, too, can be an energy-saver. According to the Cool Roof Rating Council (CRRC), roofs are exposed to direct sunlight more than any other feature, which can damage certain roofing materials over time. Jessup recommends using a synthetic tile roof to not only help deflect sunlight (and heat) from the home, but also to stave off roof repair or replacement.

For more on building an energy-efficient home from the ground up, visit or
Source: Superior Walls

Published with permission from RISMedia.