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

How to Rock Your Kitchen Remodel

June 24, 2015 2:09 am

(Family Features) Remodeling a kitchen is no easy task, but with a bit of designer expertise, homeowners can transform their kitchen into the kitchen of their dreams. According to MaryJo Camp, a designer certified by the National Kitchen and Bath Association (NKBA), homeowners can successfully revamp their space with these tips.

1. Require References from Your Contractor (and Call Them)


As you begin to look for kitchen designers and contractors, ask for references from their last few jobs and call those references to ask about the experience. Ask specific questions like, How did they leave the jobsite? Are they loud? Did they show up too early? If sticking to a budget is critical, yet a reference says, "Well, he came in way over budget, but he did such an amazing job," this isn't the professional for you.

2. Remember: A Little Space Can Add A Lot


Remodeling because you're tight on space? You're not alone. "The top complaints I hear–no room for seating, too little counter area–all go back to a lack of space," says Camp. Referencing her own remodel, she says, "We borrowed space from a closet in our entryway, which only added about 20 square feet, but it made a big difference."

When working with a smaller kitchen, resist the urge to put cabinets everywhere. Less common design options, like running cabinets along only one wall, selecting mid-high cabinets, or implementing an art wall, can do wonders to break up the space.

3. Select Materials and Finishes That Work for You


When you're ready to choose materials and finishes, it's easy to get overwhelmed. Keep in mind that practicality is key, especially when it comes to countertops. Softer stones like marble are beautiful, but also very delicate and require special care. If you're looking for a material that gives the look of a natural stone, but can stand up to anything, consider an all-natural sintered compact surface.

4. Don't Forget about What You Love


"Everyone always wants to talk about what they hate about their kitchen, but people rarely consider what they love about the existing space," says Camp. "If it's liking how the light comes in or your kids' favorite homework spot, you don't want to take that away."

Source: Neolith.com

Published with permission from RISMedia.


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Mortgage Default Rates Plummet

June 23, 2015 2:06 am

Credit default rates, including those of mortgages, recently sunk to historic lows, according to the S&P/Experian Consumer Credit Default Indices. Both mortgage default rates fell, the first to 0.74 percent and the second to 0.42 percent, signaling a turn of tides for economy.

Data from the Indices revealed the auto loan default rate dipped to a record low of 0.86 percent. The bank card default rate decreased to 2.98 percent – its largest decrease since 2013.

“Consumer credit default rates are below pre-crisis levels, at new lows and continue to drift down,” says David M. Blitzer, managing director and chairman of the Index Committee at S&P Dow Jones Indices. “These low levels should not come as a surprise: interest rates haven’t turned up, consumer debt service as a proportion of household income is close to its record low, and the Federal Reserve reported that consumer wealth was at a peak in the first quarter of 2015.

“Nor should one assume that debt levels and defaults are low because no one is spending; on the contrary, May light vehicle sales were the highest since July 2005 and retail sales jumped. The economy looks good, consumers are spending and credit usage is rising. The combination of low debt service and economic expansion should ease worries about the fallout some fear when the Federal Reserve boosts interest rates,” Blitzer says.

Source: S&P/Experian Consumer Credit Default Indices

Published with permission from RISMedia.


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