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

Financial Habits You Should Adopt Today

December 18, 2014 12:36 am

There’s no better time than the present to alter your financial situation, and consumers can cement their futures financially by adopting smart habits.

“Being mindful of your financial goals and knowing how credit works are important tools to effectively managing personal finances,” says ACA International CEO Pat Morris. “Good financial habits can help ensure a sound financial future, and being armed with knowledge can help you maintain that all-important good credit score.”

To practice better money management, ACA International recommends the following:
  • Protect personal information. Be cautious when giving out credit card, bank account or Social Security information over the phone or online. Require a certain level of authenticity from the third party. Monitor accounts and immediately report any suspicious or unauthorized purchases to your bank or credit card provider. If you believe your identity has been stolen, check your credit report for activity and contact your local police department.
  • Understand credit and use it wisely. When used properly, credit can be helpful when determining eligibility for things like home mortgages and auto loans. Too often, it becomes a difficult burden for households struggling to make payments. Know the terms and conditions of your credit cards, shop for low interest rates, make payments on time and understand the ramifications of making a late payment or missing a payment. Learn the ins and outs of credit reporting and its impacts on building a good credit score.
  • Communicate with creditors. Don’t ignore calls or letters from creditors or debt collectors. If you are having trouble making payments, contact the creditor to discuss alternative payment arrangement options to make things more manageable. After confirming with the debt collector that the debt is indeed yours, discuss applicable repayment options. Don’t be intimidated – legitimate debt collectors want to help you.
  • Know your rights. Consumers have important rights when contacted by a creditor or debt collector. Visit www.askdoctordebt.org, a free and anonymous resource for more information about credit.
Source: ACA International

Published with permission from RISMedia.


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Seniors: Stay Safe at Home This Winter

December 18, 2014 12:36 am

Wintery conditions can cause major problems for homeowners, especially when power outages threaten safety. Concerns spike for seniors who are particularly vulnerable to cold weather hazards. Brooklyn-based home healthcare provider All Heart Homecare Agency recommends that seniors take note of these guidelines for a safe season.

Exercise regularly – Consistent physical activity mitigates your risk for trips or falls. Elderly individuals who frequently build their fitness have a much smaller possibility of injuring themselves when snow and ice hits.

Dress warmly – If inclement weather is in the forecast, be prepared. Wear layers and cover your extremities with gloves and a hat to withstand chill. Proper footwear is also important to prevent icy slips.

Stock the pantry – Keep your home stocked with enough food to withstand a prolonged power outage or storm. If you require nutritional counseling, it may be smart to have a home health aide on standby.

Prepare any vehicles – Snow tires are essential for residents in blizzard-prone areas. Pay close attention while driving or cease driving altogether during a snowstorm unless it is an absolute emergency. Keep warm clothing, blankets, hand warmers and food in your vehicle at all times.

Source: All Heart Homecare Agency

Published with permission from RISMedia.


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