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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

Organic Foods Best Option for American Families

October 6, 2014 1:31 am

Refuting prior claims to the contrary, conclusive evidence has been found that organic crops, and the food made from them, are nutritionally superior to their conventional counterparts.

A recent study by The Organic Center (TOC), a non-profit associated with the Organic Trade Association, serves to dispel consumer confusion about the benefits of organic. A 2012 Stanford University study claimed that organic foods were no healthier than non-organic, setting off a heated debate on the nutritional value of organic products.

“The nutritional differences between conventional and organic crops have always been a much debated topic,” said Dr. Jessica Shade, Director of Science Programs for TOC. “This significant study reevaluates the issue from a more inclusive, statistically accurate standpoint and strongly shows that organic fruits and vegetables have definite health benefits to conventionally grown products.”

Key findings from the study include:
  • Organic crops and crop-based foods are up to 60 percent higher in a number of key antioxidants than conventionally grown crops. Antioxidants have been linked to a reduced risk of serious chronic diseases.
  • For the millions of health-minded individuals watching their caloric intake, the amount of extra antioxidants one would consume each day by eating the recommended five servings of organic fruits and vegetables would be equal to one to two additional servings of conventionally grown produce.
  • Conventional foods are four times more likely to contain pesticide residues than organic foods. Exposure to pesticides has been found to affect brain development, especially in young children, and pose a greater risk for pregnant women and men and women of reproductive age.
  • On average, organic crops had 48 percent lower cadmium levels than conventional crops. Cadmium is a highly toxic metal that can cause kidney failure, bone softening and liver damage. It can accumulate in the body, so chronic exposure is dangerous even at low levels.
These findings present a positive update for U.S. families – another recent survey from the Organic Trade Association revealed that eight out of ten now purchase organic products, and nearly half of those families do so out of concern for their children’s health.

Source: OTA

Published with permission from RISMedia.


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Majority of Millennials to Buy Home with Credit

October 6, 2014 1:31 am

The majority of millennials plan to purchase a home with credit, according to a recent survey of Americans and their credit behavior commissioned by BMO Harris Bank. The survey found that 81 percent of millennials will use a line of credit versus a mortgage or loan when purchasing a home, differing from attitudes expressed by the Sandwich Generation.

Millennials expect to turn to credit for other major future purchases, as well. When financing their entrepreneurial goals, 63 percent will primarily use some form of credit. Millennials were also more likely to use credit when paying for a wedding (29 percent) and to finance a big vacation (32 percent).

"It's not uncommon to use some form of credit for the major purchases in life,” said Alex Dousmanis-Curtis, Head of Retail Banking, BMO Harris Bank. “What's most important is having a plan in place before making the purchase of how you're going to pay it off. If it's on a credit card, sporadic, large purchases may harm your credit score by tipping the balance on your credit-to-debt ratio, which should stay under 35 percent. Interest accumulation is another factor to consider.”

Millennials relying on credit should follow these guidelines:
  • Think big picture. Credit card use is one piece of the puzzle in building your credit score. Using a loan or line of credit for major purchases also plays into your rating. Paying down these loans in a timely manner will be beneficial.
  • Opt for low-rates. If you are carrying a balance on a higher rate credit card, consider moving your balances to a low interest-rate loan or line of credit, or a lower-rate credit card.
  • Travel smart. Using a credit card to pay for a vacation (or part of one) can be an opportunity to build up rewards points. Certain cards will also provide insurance for travel-related mishaps, like lost luggage.
  • Consolidate your debt. If eliminating the debt is not possible in the short-term, amalgamate the debt you do have to minimize interest. If you have too many cards, consider getting a line of credit to help clear the balance.
Source: BMO Harris Bank

Published with permission from RISMedia.


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