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

Sunny Days: Controlling Natural Light at Home

October 13, 2015 2:12 am

(Family Features) No matter the level of natural light in your home, controlling the light is important, especially if limited privacy or damaging rays are concerning. Several blocking techniques can correct these matters, say the experts at ODL, Inc., a leading manufacturer of door and window products. Those techniques are:

Trapping light with textiles – If you’ve always considered curtains an attractive but non-functional addition to your home, think again. Choosing the proper weight and texture for your window treatments can significantly alter the lighting when curtains are drawn. For example, combining heavier drapes and sheer panels is a stylish approach that lets you filter without fully eliminating light. When placed on a double rod, the drapes can pull closed for more complete blockage.

Seeking solutions for unique situations – For glass inserts on doors, traditional coverings such as curtains or blinds are impractical; the sway of fabric or banging of blinds grows tiresome quickly. An alternative is an energy-efficient solution that lets you easily adjust and change the height and tilt of the slats as needed to control the amount of light and privacy you want.

Filtering harsh rays with window film – Although it lacks the day-to-day flexibility of other options, tinting windows or applying a window film is an effective way to significantly reduce bright light through a window. There are a wide range of options to fit your specific needs, from glare reduction and heat control to privacy and decoration. You can choose versions that allow varying degrees of opacity in gray or dark colors, or even frosted or stained glass looks. In most cases, the film is applied from inside; the street appearance varies depending on your selection.

Planting with purpose – If your preference is to leave your view unobstructed, enhance the view with strategically positioned shrubs or trees that lend a more subtle sense of privacy while blocking direct sunlight. This approach is ideal for windows and glass doors overlooking a scenic backyard with limited privacy concerns.

Source: ODL, Inc.

Published with permission from RISMedia.


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Mortgage Rates Average Well Below 4 Percent

October 13, 2015 2:12 am

Average mortgage rates across the board continue to remain below 4 percent, most recently falling due to weak employment numbers. According to Freddie Mac’s Primary Mortgage Market Survey® (PMMS®), the 30-year fixed-rate mortgage averaged 3.76 percent with an average 0.6 point. The average 15-year fixed-rate mortgage dipped below 3 percent to 2.99 percent, also with an average 0.6 point.

The PMMS® also reports the 5-year Treasury-indexed hybrid adjustable-rate mortgage averaged 2.88 percent (with an average 0.4 point), and the 1-year Treasury-indexed hybrid adjustable-rate mortgage averaged 2.55 percent (with an average 0.2 point).

“Calling the September jobs report disappointing is an understatement,” says Sean Becketti, Freddie Mac’s chief economist. “The sputtering U.S. economy added only 142,000 jobs. To make matters worse, there were downward revisions to the prior two months. Hourly wages were flat, and the labor force participation rate fell to 62.4 percent, the lowest rate since 1977. In response, Treasury yields dipped below 2 percent, triggering a 9 basis point tumble in the 30-year mortgage rate to 3.76 percent.”

Source: Freddie Mac

Published with permission from RISMedia.


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