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

Make a Note: 8 Home Maintenance Chores to Stay on Top Of

March 16, 2016 1:27 am

Regularly scheduled maintenance checks can help prevent equipment breakdowns while keeping all of your mechanical, plumbing, HVAC and other critical home systems running smoothly and efficiently.

Homeowners should schedule the following checks once every six months, according to Homestructions.com:

Check Washer and Dryer – Check hoses for leaks, replace the hoses if needed and clean the lint from the ducts of your dryer.

Clean A/C Coils – Dirt and dust will settle on the condenser coils of your A/C, and this prevents your unit from cooling down the air. Be sure to clean the dust that is sitting on the coils and grills of your unit to extend the life of your A/C.

Seal Tile Grout – The only way to prevent the moisture from accumulating under tile is to seal the grout. Prevent mold and mildew growth by sealing once every six months and you can prevent moisture from sitting in areas that will not dry out.

Homestructions.com also recommends adding the following chores to your maintenance calendar each month:

Change A/C and Heater Air Filters – If you have a forced air system, by changing the filter, you can improve the air quality in your home and also reduce the stress you put on your A/C and heating system.

Check Water Softener Salt Levels – If the amount in the salt drum is low, add salt to prevent hard water.

Clear Dishwasher Clogs – If you use your dishwasher on a regular basis, make time to clean out the drain bin on a monthly basis. All of those food particles that are caked onto your dishes will wash down into the drain bin and clog the drain if it is not cleaned.

Maintain the Garbage Disposal – If you do not flush the disposal with hot water and baking soda, the grime will accumulate and lead to a serious problem.

And lastly, be sure your fire extinguisher is charged—this is more of a safety reminder than a maintenance issue.

Published with permission from RISMedia.


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Does Credit Matter for Retirees?

March 15, 2016 1:21 am

The answer, says Ken Chaplin, senior vice president of credit reporting agency TransUnion, is a resounding yes.

“Despite the misperception that credit loses importance later in life, the fact remains that your credit score is a vital financial tool at every age,” says Chaplin. “Baby boomers need to prepare their credit score for retirement so they have the tools to fund financial obligations later in life.”

Nearly half of baby boomers incorrectly believe their credit score matters less after age 70, and many have a mixed understanding of the relationship between credit scores and financial obligations, according to a recent survey by the agency.

Seventy percent of boomers cited in the survey agree that a healthy credit score is required for refinancing a mortgage, but less (61 percent) recognized the importance of a healthy credit score when co-signing on loans, and even less (32 percent) said they believed a strong credit score may be necessary to enter a nursing home or long-term care facility.

“As Americans age, good credit can not only help them finance medical expenses and long-term care, but also help them support children, grandchildren and other family members as they take on middle-life expenses, like buying a house or paying for school,” Chaplin explains.

There are several actions pre-retirees can take to establish and maintain good credit throughout retirement, says Chaplin. One of the most important is to stay credit-active by using credit cards regularly and paying them off in full each month.

“Most retirees are past the point of making major purchases such as a new house or car,” Chaplin says, “but that doesn’t mean you should stop using your credit cards.”

Bear in mind unused cards may be closed due to inactivity, Chaplin adds. A credit card closure will impact your available credit ratio and have a negative impact on your score.

Source: TransUnion®

Published with permission from RISMedia.


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