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

Design Book: Go Mod with Metal, Geometric Shapes

October 30, 2015 12:51 am

(BPT)—Once limited to simplistic, clean lines and cool color schemes, modern interior design has evolved to include sleek, minimalistic looks with gentle, warm, organic elements. With the right accents, this “approachable” take on modern design can be effortlessly incorporated into any home.

Not sure if modern design is right for you? Test the waters with these ideas, curated by the experts at Delta (www.deltafaucet.com).

Let There be Light

The right lighting is critical when creating a space that channels modern design. Remember quality of light and placement are key. If you wish to highlight certain room features, spot lighting can be incorporated, whereas skylights work well for added natural light.

Bring on the Bling

Metal accents often serve as the focal point of modern design. Start with the basics: hardware, faucets and fixtures. If you gravitate toward warm finishes like bronze tones, choose accents with clean, minimalistic silhouettes. If you prefer finishes with cool blue undertones, like chrome and stainless, look for hardware with organic shapes inspired by nature.

Color Your World

Use a neutral, like grey, white or beige, as the primary color in your home to enhance a contemporary feel. To elevate your home's color palette, incorporate organic materials such as wood or slate in dark, rich tones.

Create Harmony

To maintain a modern feel, complementariness is the key with accessories. Look for a few small items that work within organic schemes. For instance, geometric-shaped mirrors work well across from windows to enhance natural light, and a touch of greenery can come to life in a minimal, white pot.

Published with permission from RISMedia.


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FICO: Confused about Credit Scores? You’re Not Alone

October 30, 2015 12:51 am

Whether for free or a fee, numerous websites offer credit scores. However, according to a recent FICO® report, the majority of credit score inquirers believe they’re receiving their FICO Score, when, in fact, they’re receiving a non-FICO score.

“Because other credit scores look similar to FICO Scores, consumers have no way of determining, through the credit score itself, whether or not it’s a FICO Score,” says Jim Wehmann, executive vice president for scores at FICO. “Credit scores are unlike other products; the consequences of not recognizing credit scores from different companies can be much more serious. The new research findings bring to light an important issue: if the majority of consumers are confused about these non-FICO credit scores being provided to them, then millions of Americans are likely to be mistaken about their actual creditworthiness.”

As a separate study recently revealed, FICO Scores are used in more than 90 percent of decisions involving approval of credit applications in the United States, including mortgage loans. According to the FICO report, over 80 percent of consumers believe the non-FICO credit scores they obtain are scores widely used by lenders to make credit decisions.

The mathematical formulas used by each scoring company are unique and create credit scores for the same consumers that are often significantly different from their FICO Scores—sometimes 100 points or more.  With such large score differences, not understanding that the credit score obtained isn’t a FICO Score can cause consumers to over- or underestimate how a lender will view them, with serious consequences for financial health and wellbeing.

Today, the holders of more than 100 million consumer credit accounts have access to their FICO Scores for free through the FICO Score Open Access Program.

Source: FICO

Published with permission from RISMedia.


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