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

Report: College Expenses Eclipse Retirement

October 13, 2015 2:12 am

Financial obligations in the present may put off retirement in the future. According to a recent report by the LIMRA Secure Retirement Institute, nearly one-third of Americans would be willing to reduce the amount they are saving for retirement, or even defer it, to help their children or grandchildren pay for college educations.

“Long ago, attending college morphed from a privilege into a necessity for so many,” says report author Michael Ericson, a LIMRA analyst. “With the average student loan approaching $30,000, people have been forced to shuffle around their financial priorities and obligations.

“In addition to eroding retirement confidence, these loans are causing Americans to reduce their discretionary spending,” Ericson adds.

But the report also confirmed what previous research has found: those saving for retirement are also more likely to save for other purposes, as well.

“Those saving in their 401(k)s are also putting money aside for college tuition. They’re doing what they can to prepare for both,” says Ericson.

Source: LIMRA

Published with permission from RISMedia.


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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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