RE/MAX 440
Margot Aronson Sells Homes, Realtor®, ABR, ASR, CDPE
margotaronson@live.com
Margot Aronson Sells Homes, Realtor®, ABR, ASR, CDPE
4092 Skippack Pike, P.O. Box 880
Skippack  PA 19474
PH: 610-306-7939
O: 610-584-1160
C: 610-306-7939
F: 267-354-6943 
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Transferring College? Read This First

July 11, 2017 12:57 am

If you or someone you love is planning a college transfer, you likely know it can be a complicated process. From getting credits to transfer, to physically relocating, there is a lot to think about. Green Mountain College offers the following considerations to pay mind to.

Cost: Make sure a transfer is affordable. Pay special attention to whether your previous undergraduate credits will be honored so that you can graduate within four years, and not be required to pay for extra courses.

Culture: What does the school do to make sure you feel welcome and empowered to hit the ground running? Are there dedicated support teams and orientation programs just for transfers?

Curriculum: Is your college's specialization authentic? In the sustainability area, for instance, is this discipline a core focus in the classroom, residence halls, and community?

Career: Will your school lead to the career that you dream about? Are alumni not only employed but happy with their current situations?

Source: Green Mountain College

Published with permission from RISMedia.


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7 Easy Ways to Watch Your Credit Scores Soar

July 7, 2017 12:51 am

On the widely used FICO credit score scale, only one in 200 consumers reaches the pinnacle: a score of 850 – a score that has lenders fighting for your business and nets you the best possible interest rates on everything from automobiles  to mortgage loans.

In fact, according to Fair Isaac, the company behind the FICO score ratings, consumers who achieve a score of 750 or more are excellent candidates for favorable treatment.

But paying your bills on time and carrying no balances may not be enough to catapult your score to desired levels. Consumer finance experts at The Motley Fool offer simple tips that can help boost your scores into the stratosphere:

Ask for increased credit limits – Not because you plan to use them, but because the higher your credit limits, the less likely you are to use more than 30 percent of your aggregate credit, which is what lenders look for when they judge credit-worthiness.

Ask for lower interest rates – If you are carrying a balance, a lower interest rate can save you big bucks and help you pay it off faster – and if you pay on time each month, a request for a lower rate is granted more often than not by lenders who want to keep your business.

Keep 0-balance accounts open - Some consumers think that closing paid-off accounts will help your credit score. In fact, accounts in good standing that are left open for an extended period can help your overall score. Use them once or twice a year to ensure they stay open and aren't closed by your lender for lack of use.

Open new accounts only when it makes sense – People with good credit are constantly offered more credit. Open a new account only for a large purchase you expect to pay off quickly. Don’t open a store account to save a few bucks on a small purchase.

Focus on revolving debt first – If you carry balances, remember that revolving debt, such as department store credit cards, charge the highest interest rates – and FICO notes what kind of debt you carry.

 Check your FICO score annually – You can do so for free from each of the three credit reporting bureaus. Failing to check them annually risks not discovering errors before your scores are adversely affected.

Published with permission from RISMedia.


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How to Live in Harmony with House Guests

July 7, 2017 12:51 am

While you’re really looking forward to having out-of-town friends or family for an extended visit, you may be anxious about living under the same roof with your guests. There are some effective ways, however, to relieve the stress and enjoy your time together.

Create a private space. Whether it’s a guest room or the sofa bed in your office, devote a room or area of your house just for your guests. Have your kids double up to free up a bedroom, if need be. This will give both you and your guests the privacy and space you need. Outfit the guest space with items your visitors may need, such as towels, travel size shampoos, soaps and toothpaste, a reading light, phone charger, extra blanket, fan or heater, and a pitcher for water.  Not only will this create an inviting bed-and-breakfast atmosphere, it will save you a little running around trying to find random things they may have forgotten.

Discuss the morning schedule ahead of time. Are your guests early risers or late sleepers? And how will this conflict with the schedules of you and your family members? Get it all out in the open before you retire on the first night to figure out a schedule that’s convenient for everyone.

Stock the pantry and fridge with essentials. Be prepared by shopping for the items your guests may need in advance, such as almond milk for your vegan sister or sugar substitute for your diabetic aunt. Not only will this save you from last-minute runs to the store, it will make your guests feel welcome and at home.

Plan meals. Avoid dinnertime stress by mapping out and shopping for meals in advance. Plan which nights you’ll cook out, eat out and order take-out. Make a big batch of soup, spaghetti sauce or a casserole and freeze them a couple of weeks ahead of time. You can then pull these out as needed for last-minute meals.

Forgive the mess. Don’t stress out about keeping the house spotless. Your guests are there to visit with you and your family, not evaluate the cleanliness of your home. So have the family chip in and conduct a thorough cleaning before your visitors arrive, then enjoy each other’s company while you’re together.

Published with permission from RISMedia.


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Container Gardening: The Quickest Way to a Green Thumb

July 6, 2017 2:42 am

There’s nothing quite like a beautiful garden, brimming with colorful flowers and lush green foliage. But not everyone has the time or talent to cultivate a successful garden, and paying for landscaping may not be within your budget. But don’t despair - try container gardening instead.

Container gardens are a quick, simple way to bring a burst of color, cool shades of green, and even a few herbs or tomatoes to your home’s landscape. They require minimal set-up and maintenance yet yield great results. Here are some tips to get your container garden off and running:

Choose your containers. Select pots of various sizes, colors and textures to add interest. Or go for a monochromatic look by using all terracotta. Consider other more unique options as well, such as wooden boxes, lined baskets, metal buckets, half barrels or sculpted stone planters. No matter what type of container you choose, make sure it has proper drainage.

Select your spots. The great benefit of container gardening is that you can place plants wherever your heart desires, such as the front stoop, porch, patio, deck or any conceivable spot in your yard. Also consider window boxes and hanging containers to add color higher on your home’s facade.

Decide what to plant. Add easy bursts of color with annuals like imaptiens, petunias, geraniums and daisies. Read the tag to determine whether the flowers you choose require sun or shade. You can also plant perennials in containers - either flowers or grasses - but keep in mind, they will need to be replanted within a year or two once they’ve gotten too big for their containers. Herbs are great for containers as well, along with tomatoes and strawberries.

Prep the soil. Be sure to get a high quality potting soil and add some fertilizer and weed preventative to the mix. The right nutrients will be critical for your container plants to thrive.

Water and deadhead. To keep your container gardens thriving all season, be sure to water them frequently as container plants dry out more quickly than those planted in the ground. Remove dead blooms and brown leaves frequently to help foster new growth and new blooms.

With a few well-placed container gardens, you’ll add beauty to your yard in no time, no matter what your level of gardening expertise may be.

Published with permission from RISMedia.


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Facing Foreclosure? What You Should Know

July 6, 2017 2:42 am

For those of us who own our homes, foreclosure may seem like a nightmare. If you’re looking at a possible foreclosure, there are several things you should keep in mind.  

Three payment rule. Generally, foreclosure proceedings begin after the borrower has missed three consecutive mortgage payments. The lender will record a notice of default against the property. And unless the debt is satisfied, the lender will foreclose on the mortgage and proceed to set up a trustee sale, where the property is sold to the highest bidder.

You have options. If you’re facing foreclosure, you still have a few options. You may be able to refinance the debt or extend the term of your mortgage loan. If you have mortgage insurance, the insurer may also be interested in helping you. The company can temporarily pay the mortgage until you get back on your feet and are able to repay their “loan."

You CAN buy again. If your home was foreclosed on, it doesn’t mean you will never be a homeowner again. But a lot will depend on your circumstances and the mortgage interest rate you are willing to pay. “Generally, most lenders will consider your request for a home loan two to four years after your foreclosure. Predatory lenders will issue a home mortgage in less time.  But beware – they routinely charge high mortgage interest rates, fees, and penalties for this privilege. A quality lender will expect you to show that you have cleaned up your credit.  Providing a reasonable explanation about the circumstances that led to the foreclosure – such as exuberant medical expenses – is also helpful.

Published with permission from RISMedia.


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How to Keep Your Pets Safe From Heat

July 6, 2017 2:42 am

Summertime may mean playtime with your furry family members. Trips to the beach or lake, long walks and zippy car rides can be hours of fun for your pet. But as temperatures rise, it’s important to pay mind to your pet’s health.

Below are four tips from Henry Schein Animal Health.

Heat stroke: Protect your pets from heat stroke, which occurs when your pet's body cannot maintain its temperature in a safe range. Pets can suffer heat stroke if left in a parked car or when exercising strenuously in hot weather.

Housing: Animals that are outdoors need shade and water at all times, though dog houses can become stifling in the heat.

Summer travel: Before bringing pets on a trip, be sure to pack, among other items, health and vaccination records, medications, veterinarian's information, and a first aid kit.

Water safety: When boating on open water, humans and pets should both wear life preservers should an accident occur. Pet parents should also be aware of dangerous currents when animals are playing in rivers and the ocean.

Source: Henry Schein Animal Health

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Secrets for Healthy Summer Grilling

July 6, 2017 2:42 am

Ready to fire up the grill this summer? You’re far from alone. Grilling is delicious, fun, and can save on your energy bills by keeping that cooking heat outdoors. If you’re looking to up your grill came, consider the following tips from Aramark and the American Heart Association (AHA).

Soak up the marinade
Start with a healthier marinade before you even light the grill. Healthier marinades contain herbs, spices & healthy oils. Reduce salt with wine vinegar, citrus-infused oil or a little mustard. Reduce added sugar with fruit purées. Try ripe mango or peach purée blended with dried cranberries or white raisins.

Rub on the spices
Spice rubs add flavor to meats, fish and chicken and have fewer calories than traditional BBQ sauces. Spice combinations are endless – from garlic, onion powder, dried basil, oregano, paprika, chili powder and cayenne to spicy Jerk chicken rub.                    

Burst of lemon everywhere
It's easy to cut the amount of salt you use on your grilled meats or seafood by 50 percent. Just replace with lemony goodness. Replace each ½ teaspoon of salt with 5 teaspoons of juice and 1 teaspoon of zest and drizzle flavor directly over foods as they cook. How you tend to food while it's on the grill can enhance and lock in flavor.

Start with veggies on the grill
Vegetables are great on the grill. Try them in Kabobs or grill them in slices to serve right next to fish, chicken or meat. Grilled veggies add excitement, freshness and flavor to any meal. Try grilling two or three for every main dish.

Pair fruits with entrées
Fruit is no longer just a snack or dessert. The sweet flavors of summer fruits help to enhance grilled seafood, chicken, or beef. Replacing other side dishes with fresh fruit is also a great way to add flavor with fewer calories. Add fruit to the plate and see the colors of summer in a whole new light.          

Baste on the flavor
Use a basting brush and pack on additional flavor over the flame. Baste green veggies with olive oil and herb mixes.                          

Top it all off
Not all flavor is added on the grill, some can be added afterward. Try toppings that add healthy flavors to the plate like a fresh fruit compote or salsa, or top with finely chopped grilled veggies.

Source:  Aramark, The American Heart Association

Published with permission from RISMedia.


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8 Things Not to Do in an Airplane

June 30, 2017 2:30 am

Flying is often not fun these days, but these tips from Reader’s Digest may help make your next flight a bit more pleasant:

Don’t neglect skin care – Pressurized air is very dry. Moisturizing before a flight will guard against parched, itchy skin – and the sunblock in most moisturizers will protect against the radiation one study says is commonplace in aircraft interiors.

Don’t fall asleep before take-off – If you do, it will be harder for you to equalize the pressure in your ears. Hold off on your snooze until your ears pop.

Don’t close the air vent – Recirculated air may not be fresh, but doctors suggest that leaving the vent open keeps germs from lingering in your personal space.

Don’t order coffee or tea – A study by the Environmental Protection Agency said 12 percent of airplanes carry water that tested positive for bacteria. Since heating doesn’t fully kill bacteria, it may be best to skip that hot drink.

Or guzzle a soda – Increased altitude may cause intestinal gas to expand up to 30 percent. If you have a sensitive stomach, choose water over a carbonated drink.

Watch out for the seat-back tray – Studies show it’s the most bacteria-laden surface on the plane – even more so than the lavatory flush button. Clean it with an antibacterial wipe before using it – and don’t rest food or snacks directly on it.

Don’t sit for the entire flight – Sitting in one place for more than four hours can slow your circulation and may put you at increased risk for blood clots. Walk up and down the aisle every once in awhile or exercise your legs while seated  by flexing your feet, ankles and knees.

There are ways to avoid the middle seat – If you’re stuck with one and hate being stuck between strangers, sign up for free alerts at expertflyer.com. Enter your flight number to be notified when a better seat pops up. Then you can go to the airline’s website and change your seat assignment.

Published with permission from RISMedia.


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Summer Safety Tips for the Whole Family

June 30, 2017 2:30 am

We all want to have fun this summer. But between bike rides, pool parties, fireworks and sun exposure, there is a slew of safety concerns to keep in mind while navigating the summer with your family. Below are a handful of family safety tips from the Christopher & Dana Reeve Foundation.

Diving do’s and dont’s. Before you dive into the pool, make sure the depth of the water is nine feet or deeper. Even if the depth is acceptable for diving, there are other factors that can impede a safe dive. If there is no diving board or you have been consuming alcohol, do not dive into the pool. And of course, do not run around the pool deck, as it is slippery and can lead to a dangerous fall.

On a boat? If you are exploring the open waters in a boat, make sure to stay a safe distance from other boats and follow the speed limit. Along with standard safety precautions, keep in mind that one should jump feet first off the boat rather than diving.

Splash sports. As for water sports and activities, always stay alert to what is going on around you. When body surfing, try to keep the board extended past your head.

Bikers, beware. A bike ride is the perfect way to get some exercise and relax, but it is important to wear a helmet when you ride. Your mother's old, cracked helmet is not suitable for proper protection. Always replace your helmet if you've had it for more than five years, and make sure it is level and fits snugly to your head.

Rules of the road. Motor vehicle accidents contribute to more than 35 percent of spinal cord injuries in the United States, so it is vital to stay alert when driving and not let any distractions get in the way. Regardless of what your passengers are saying or what texts are popping up on your cell phone screen, you should not let either take your eyes or focus off the road. Also, make sure your seatbelt is on properly, along with the other passengers, who should all be in their appropriate size seat.

Source: The Christopher & Dana Reeve Foundation

Published with permission from RISMedia.


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Understanding the Serious Nature of Mini-Strokes

June 30, 2017 2:30 am

(Family Features)--Knowing the warning signs of a mini-stroke could help save a life.

A survey conducted by the American Heart Association/American Stroke Association shows one-third of United States adults have had symptoms consistent with a transient ischemic attack (TIA), also known as a mini-stroke, but only 3 percent called 911 for help.

"Ignoring any stroke signs could be a deadly mistake," says Mitch Elkind, M.D., chair of the American Stroke Association Advisory Committee. "Only a formal medical diagnosis with brain imaging can determine whether you're having a TIA or a stroke."

The survey showed 35 percent of respondents experienced at least one sign of a TIA or mini-stroke, such as sudden trouble speaking or a severe headache with no known cause. According to the online survey, those who suffered symptoms were more likely to wait it out, rest or take medicine rather than call 911.

Stroke is a leading cause of serious, long-term adult disability in the United States and among the top five causes of death. However, with proper, timely medical attention, stroke is largely treatable. The faster you are treated, the more likely you are to have a positive outcome.

The American Stroke Association's Together to End Stroke initiative, nationally sponsored by Medtronic, teaches the acronym F.A.S.T. to help people remember the most common stroke warning signs and what to do in a stroke emergency:

F - Face drooping

A - Arm weakness

S - Speech difficulty

T - Time to call 911

While the symptoms are the same, the difference between a TIA and a stroke is that the blockage is temporary, lasting between a few minutes and 24 hours. People who suffer a TIA, sometimes called a warning stroke, are more likely to have a stroke within 90 days, according to the American Heart Association/American Stroke Association.

Elkind says anyone who experiences a stroke warning sign that appears suddenly, whether it goes away or not, should call 911 immediately. This could improve the chances of an accurate diagnosis, treatment and recovery.
Stroke symptoms come on suddenly with no known cause and may include confusion, trouble speaking or understanding; weakness of the face, arm or leg, especially on one side of the body; trouble seeing in one or both eyes; trouble walking, dizziness, loss of balance or coordination; or a severe headache.

Source: StrokeAssociation.org.

Published with permission from RISMedia.


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