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

6 Common Money Mistakes Draining Your Funds

March 1, 2016 12:03 am

Everybody blows a little money now and then, but too many people make it a habit. To take control of your finances and keep more cash on hand, financial advisors suggest diligently avoiding these six common money mistakes:

1. Keeping up with friends – One way to get into financial trouble is trying to match someone else’s lifestyle. Sticking to a budget may mean missing out on a few indulgences, but the upside is a manageable credit card bill you can pay off in 30 days without paying interest fees.

2. Paying interest on credit cards – Speaking of interest rates, paying 20 percent on a credit card while earning 0.2 percent on your savings is costing you plenty. Leave yourself an emergency cushion, but use the bulk of your savings to pay off that credit card debt. If you don’t have savings to draw from, refer back to number one (above) and start living a cash-only lifestyle.

3. Buying new instead of used – These days, 100,000 miles is just the halfway point for a lot of cars, so buy one used that has already depreciated and comes with a lower monthly payment. Consider buying used for other goods as well, such as books, sports gear and appliances.

4. Signing up and spacing out – Be alert to automatic renewals and ongoing monthly charges for services you no longer use. Scan your monthly bills carefully. If you don’t want that extra phone service, gym membership, subscription or extra cable network you’ve been paying for, pick up the phone and cancel it.

5. Ignoring your employer’s 401(k) match – You’re throwing away money if you don’t claim every dollar your employer will contribute to your retirement plan. Find a way to pay in more of your own money, even if it means giving up that morning latte. (Wake-up call: That $5 coffee every day is costing you $150 a month, or $1,800 a year. Enough said.)

6. Letting bank fees drain your account – Switch to a bank that offers free checking. Avoid using out-of-network ATMs and stay on top of your balance to avoid overdraft fees. 

Published with permission from RISMedia.


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Chinoiserie: 4 Ways to Try the Newest Décor Trend at Home

March 1, 2016 12:03 am

Chinoiserie—a style marked largely by Chinese motifs and techniques—is currently one of the hottest décor trends in homes in the Western Hemisphere. Originating in Europe in the 17th century, chinoiserie includes bamboo, cherry blossom or orchid accents, and shades of black, blue, gold, pink, red and white.

"Chinoiserie's elegant prints and colors can truly bring a room together," says Alissa Ahlman, chief merchandising officer for home décor superstore At Home®. "It's one of our favorite trends for 2016 as you can add it to your home in a big way via bright shades of pink or play it down with calming hues of blue."

To incorporate the trend in your home, the experts at home décor superstore At Home® recommend the following tips.

1. Punch up a seating area with chinoiserie throw pillows. Look for ones with tiger motifs or a pagoda-inspired design to drive home the aesthetic.

2. Introduce chinoiserie atop a dresser or bathroom countertop with black, rectangular boxes of varying sizes.

3. Mix in intricate chinoiserie patterns in neutral tones, such as a white side cabinet with lattice detailing in the guest bedroom.

4. Add a touch of glamour with gold accent pieces, such as a sparkling figurine on a mantel or marion votives as a tabletop centerpiece.

Despite its specific profile, chinoiserie design can be adapted to fit both traditional and modern spaces, and is ideal to complement an existing style. By implementing the trend thoughtfully, like in the tips listed above, you, too, can successfully integrate this new trend at home.

Source: At Home

Published with permission from RISMedia.


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