RE/MAX 440
Liz Hieter
LizHieter@verizon.net
Liz Hieter
4789 Route 309
Center Valley  PA 18034
PH: 610-791-4400
O: 610-791-4400
F: 267-354-6219 
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The Least Expensive Fall and Thanksgiving Travel Destinations

October 15, 2014 1:32 am

Against the backdrop of rising airfares, new research from Fly.com reveals travelers can still save money this Thanksgiving and fall. But, to do so, travelers will need to fly westward.

Fly.com’s data study, which compared the average cost of flights to popular fall vacation spots in 2013 against 2014 prices, found that – with the exception of Dallas – the only destinations experiencing cheaper fares this fall are located in the western United States.

Surprisingly Hawaii, which is often associated with expensive airfares, offers the best deals for the Thanksgiving and post-Thanksgiving travel periods. In contrast, Florida’s continued popularity over the fall has played a role in rising fares. For instance, flights to Tampa between December 1-21 cost 25 percent more in 2014 compared with last year.

The Fly.com study also revealed that flights to popular fall destinations cost an average $105 more during the Thanksgiving travel period, but drop $123 post-Thanksgiving.

“To borrow the words of American author Horace Greeley, it is time to ‘go west,’” said Warren Chang, vice president and general manager, Fly.com. “For anyone still looking to use up their vacation days without breaking the bank, the West Coast and Mountain states offer something for every taste. There are also some amazing hotel deals out there for Hawaii and Los Angeles that can save travelers even more money.”

Source: Fly.com

Published with permission from RISMedia.


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Keep Your Dog Safe on Halloween

October 15, 2014 1:32 am

(Family Features) Including pets in your family's Halloween festivities can be a fun addition to your celebration. However, with all the excitement comes the chance for pets to get into danger or trouble. You can head off potential problems and enjoy an evening of fun with some safety tips and smart planning.

Keeping your pet away from candy and other Halloween treats is especially important because so many favorites include chocolate, which is potentially toxic for dogs. It's also an ideal time to practice obedience commands with your four-legged friends, as crowds of unfamiliar people, costumes and lots of open doors can create temptations too hard to resist.

To include your furry family members while still keeping them safe during the fun, follow these guidelines.

Trick-or-treating together
  • Before hitting the streets, make sure your dog is socialized around kids, adults and other animals.
  • Bring water and treats to reward your dog for good behavior and reduce the desire to go for kids' candy.
  • Increase nighttime visibility with LED leashes, collars or harnesses.
Pawsitively good party manners
  • Before guests arrive, practice "leave it" or a similar command. This is useful to help pets avoid candy or food they might encounter on the ground. Trainers can help you get it down right.
  • Establish a rule that guests don't feed the dog candy or human food. A new interactive toy or long-lasting rawhide may keep your pup busy and out of temptation's way. Many ingredients commonly found in Halloween candy can be harmful to your pet. For example, xylitol, found in gum and candy can cause dangerously low blood sugar or liver disease in dogs. Chocolate can create a range of symptoms, from vomiting to abnormal heart rhythm to death. Even snacks that are healthy for humans, such as raisins, can cause a toxic reaction.
  • Prevent your dog from running out an open door by working on a "stay" command. Ask your dog to sit, and praise him when he obeys. While your dog is sitting, say "stay" and place your hand flat with your palm facing the dog. Wait 2-3 seconds then give your dog a treat. You can increase the time he stays by a couple of seconds every three repetitions, working up to 30 seconds.
  • If you aren't confident about your dog's abilities, keep him on a leash while the doorbell is ringing.
Costume comfort and safety
  • A costume should never constrain or bother your pet. If your pet isn't comfortable, try a strap-on costume that attaches loosely with snaps or around the pet.
  • Once a costume fits properly, make sure your pet won't trip on anything like a cape or ribbon. Check for little parts within chewing distance and keep identification tags on collars.
  • Throughout the evening, watch your pet and make adjustments as needed. You may need to cut or remove portions of the costume to increase a pet's comfort. The most important part of the evening is your pet's safety.
Source: PetSmart

Published with permission from RISMedia.


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Winter Storm Prep: Your Home's Exterior

October 15, 2014 1:32 am

With forecasters anticipating a bitterly cold winter, take time now to prepare your home for weathering seasonal storms. Damage from a storm can be devastating to both the interior and exterior of your home, so it’s important to take precautions inside and out.

The Insurance Information Institute (I.I.I.) and the Insurance Institute for Business & Home Safety (IBHS) suggest taking these steps to protect your home’s exterior.

1. Clean out gutters. Remove leaves, sticks and other debris from gutters, so melting snow and ice can flow freely. This can prevent ice damming, a condition where water is unable to drain through the gutters and instead seeps into the house causing water to drip from the ceiling and walls.

2. Install gutter guards.
Gutter guards prevent debris from entering the gutter and interfering with the flow of water away from the house and into the ground.

3. Trim trees and remove dead branches. Ice, snow and wind could cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.

4. Repair steps and handrails. Broken stairs and banisters can become lethal when covered with snow and ice.

5. Seal cracks and holes in outside walls and foundations. Use caulking to seal around any wall openings to prevent cold air and moisture from entering your home. Caulk and install weather stripping around windows and doors to prevent warm air from leaking out and cold air from blowing in.

Source: I.I.I.

Published with permission from RISMedia.


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10 Easy Ways to Protect the Planet

October 14, 2014 1:32 am

Most people are aware that Mother Earth needs all the help it can get to avoid running out of resources. But going green doesn’t have to be a daunting task, ecologists maintain.

We can all lend a hand to help the planet beginning with these 10 simple tactics:

Launder in warm/cold water
– If every U.S. household switched the washer from hot cycle to warm/cold, we would save energy comparable to 100,000 barrels of oil a day.

Recycle glass
– Recycled glass reduces related air pollution by 20 percent and related water pollution by 50 percent. (Glass that isn’t recycled can take a million years to decompose.)

Go vegetarian one day a week
– It takes 25,000 gallons of water to produce one pound of beef.

Rethink bottled water
– It’s convenient, but 90 percent of plastic bottles are not recycled and can take thousands of years to decompose. Buy a reusable container and use it. (Surprise: EPA standards for tap water are stricter than FDA standards for bottled water.)

Use both sides of paper – American businesses throw away 21 million tons of paper annually. Before you pitch it, turn it over and use the reverse side as scratch pads – and when you’ve used both sides, don’t forget to recycle.

Use your cruise control – You paid for the extras, so use them. Using cruise control can save you up to 15 percent on gasoline, saving you money while you help the planet.

Recycle old cell phones – The average cell phone lasts around 18 months, which means 130 million phones will be retired each year. In landfills, these phones and their batteries introduce toxic substances into the environment. Retire yours into one of many reputable phone recycling programs, many of which benefit good causes.

Recycle old wire hangers – Many recycling programs won’t accept steel wire hangers – but the many dry cleaners will gladly take them back to use again.

Go to a car wash – They make more efficient use of water than we do when we wash our cars ourselves. We could save more than 8 billion gallons of water annually if we all used the car wash.

Use cotton swabs with paperboard spindles – If 10 percent of households switched back from plastic-spindled cotton swabs to those with paperboard spindles, the petroleum energy saved per year would be equivalent to150,000 gallons of gas.

Published with permission from RISMedia.


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Poll: Many Americans Neglect Online Security

October 14, 2014 1:32 am

A recent survey of Americans' personal online security habits shows large numbers of Americans are putting their devices and personal information at risk. The poll commissioned by the Digital Citizens Alliance and Blackfin Security shows that Americans open their devices up to unknown entities, download files of unknown origin at high rates, and even ignore best practices when they know they should do otherwise.

"The hackings of Home Depot, Target, and other large retailers may be lulling Americans into thinking that it's big corporations that are rogue operators' prime targets, but that's a mistake," said Adam Benson, Deputy Executive Director of the Digital Citizens Alliance. "Hackers want personal data - credit card numbers, passwords, Social Security numbers. They'll look for open windows - and the online behavior we see reflected in this survey tells us that millions of Americans are leaving the windows open, the doors unlocked, and even giving some hackers the key to get in."

Some of the major findings from the poll include:
  • Nearly one-third of Americans don't change their passwords enough, going as long as a year without updating them.
  • More than one-third use public WiFi that doesn't require a password.
  • Sixteen percent said that using two-factor authentication (which requires the user to have two types of credentials before being able to access an account) makes signing on too much of a burden, while another 23 percent didn't know what two-factor authentication is.
  • Sixty-two percent said they didn't always check or weren't sure if their downloaded movies, music, games, or books were legally authorized.
  • More than 35 percent of all Americans like, follow and connect with people they barely know or don't know on social media. While that can often be with a celebrity or influential figure, in some cases, people might be connecting with someone more interested in your habits than they are in your safety.
Source: Digital Citizens Alliance

Published with permission from RISMedia.


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Winter Storm Prep: Your Home's Interior

October 14, 2014 1:32 am

With forecasters anticipating a bitterly cold winter, take time now to prepare your home for weathering seasonal storms. Damage from a storm can be devastating to both the interior and exterior of your home, so it’s important to take precautions inside and out.

The Insurance Information Institute (I.I.I.) and the Insurance Institute for Business & Home Safety (IBHS) suggest taking these steps to protect your home’s interior.

1. Keep the house warm.
Set the thermostat for at least 65 degrees – since the temperature inside the walls is substantially colder, a lower temperature will not keep the pipes from freezing.

2. Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice melt on the roof. Water can then re-freeze, causing more snow and ice to build up. This can result in an ice dam that causes significant roof damage. Well-insulated basements and crawl spaces will also help protect pipes from freezing. You may also consider insulating unfinished rooms, such as garages.

3. Provide a reliable back-up power source. In the event of a power outage, continuous power will keep your home warm and help prevent frozen pipes as well as help if you have a battery operated sump-pump. Consider purchasing a portable generator and follow installation and maintenance steps to ensure safety.

4. Have the heating system serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.

5. Check pipes. Look closely for cracks and leaks and have the pipes repaired immediately. Pipes in attics and crawl spaces should be protected with insulation or heat. Pipe insulation is available in fiberglass or foam sleeves.

Heating cables and tapes are also effective in preventing pipes from freezing. Select a heating cable with the UL label and a built-in thermostat that turns heat on when needed. Follow the manufacturer’s instructions closely.

6. Install an emergency pressure release valve in your plumbing system. This will protect the system against increased pressure caused by freezing pipes and can help prevent your pipes from bursting.

7. Remove combustible items placed near any heat sources. This includes wood stoves and space heaters.

8. Install smoke and carbon monoxide detectors and make sure they are working properly. Not only do residential fires increase in the winter, but so does carbon monoxide poisoning.

9. Learn how to shut the water off and know where your pipes are located. If your pipes freeze, time is of the essence. The quicker you can shut off the water or direct your plumber to the problem, the better chance you have to prevent pipes from bursting.

10. Hire a licensed contractor to look for structural damage. If damage is discovered, have it repaired now. Also, ask about ways to prevent water damage due to snow-related flooding. Plastic coatings for internal basement walls, sump pumps and other methods can prevent flood damage to your home and belongings.

Source: I.I.I.

Published with permission from RISMedia.


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Fixed Mortgage Rates Decline

October 13, 2014 1:32 am

Freddie Mac (OTCQB: FMCC) recently released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates falling back near their lows for 2014.

“Fixed mortgage rates were down on a week filled with bleak forward projections from the Federal Reserve and concern over growth in Europe,” says Frank Nothaft, vice president and chief economist, Freddie Mac. “Despite gloomy vernacular from the Fed, mortgage purchase applications were up 2 percent on the week and the labor market added 248,000 jobs, beating expectations and lowering headline unemployment to 5.9 percent.”

Fixed mortgage rates average as follows:
  • 30-year fixed-rate mortgage (FRM) averaged 4.12 percent with an average 0.5 point for the week ending October 9, 2014, down from last week when it averaged 4.19 percent. A year ago at this time, the 30-year FRM averaged 4.23 percent.
  • 15-year FRM this week averaged 3.30 percent with an average 0.5 point, down from last week when it averaged 3.36 percent. A year ago at this time, the 15-year FRM averaged 3.31 percent.
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.05 percent this week with an average 0.5 point, down from last week when it averaged 3.06 percent. A year ago, the 5-year ARM averaged 3.05 percent.
  • 1-year Treasury-indexed ARM averaged 2.42 percent this week with an average 0.4 point, unchanged from last week. At this time last year, the 1-year ARM averaged 2.64 percent.
Source: Freddie Mac

Published with permission from RISMedia.


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How Families Can Combat Seasonal Stress

October 13, 2014 1:32 am

With the relaxing days of summer long behind us, the reality of returning to our busy fall routines can be stressful. Whether it's back to a full-time job or adjusting the kids back to school, fall is often a hectic time of year that can cause stress levels to spike.

“People who cope with stress in unhealthy ways end up creating significant personal health problems and more stress for themselves,” explains author Paul Huljich, one of America’s leading stress management experts. “Returning to work after a vacation, transitioning your children to a new school, or even fighting a busier rush hour as schools reopen can all contribute to increased stress levels.”

Don't fall back into old, familiar patterns of stress this season – fight back! When dealing with children, you should focus most on limiting your child's stress levels by preparing them for what's to come. Talking with your kids and understanding what may be causing their stress is a good first step in helping them cope. You'll teach them valuable stress management tips that can be relied upon throughout their lives, and also help to decrease the stress levels in your own life.

Another good approach to cope with stress this fall is to "un-schedule.” For example, there are many fun and rewarding extracurricular activities for children, but it is equally important that kids take time to relax with unscheduled time at home or outdoors. Try to reserve at least one weekday after school that is a "free day," and stick to that schedule for the school year. Both your child and you will be much more relaxed and prepared when you allow yourselves proper downtime.

Source: Mwella Publishing

Published with permission from RISMedia.


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Watch for Red Flags with Home Appliances

October 13, 2014 1:32 am

Appliances can be a homeowner’s best friend or worst enemy. When working properly, they make everyday living more convenient and comfortable, but without proper maintenance, they can become very dangerous household fixtures.

“Every morning, we take a hot shower, heat up our breakfast and turn up the thermostat, all without giving a thought to how it happens. When we turn that knob, the hot water, flame or heat is there,” says Mike Rogers, Vice President of GreenHomes America. “One thing we must not take for granted is the safety and upkeep of these domestic devices.”

The first thing you can do to ensure a safe coexistence with household appliances is to have a licensed contractor do a yearly inspection of all gas piping, appliances and heating systems in homes. “This type of preventative action may seem excessive, but think of it like taking your car to a mechanic,” adds Rogers. “An expert can detect problems before they become dangerous.”

In addition, always run kitchen exhaust fans when gas appliances are being used and make sure all carbon monoxide detectors have fresh batteries. Also, make note of how your appliances are functioning, and be cautious of any strange smells or noises.

Vermont Gas recommends calling a licensed contractor if you notice any of the following red flags:
- Gas flames that appear pale or wavy
- Gaps, rust or blocks in vents
- Vents that do not lead outdoors
- Foul odors
- Dusty or rusted appliances
- Clogs or excessive dirt in furnace air filters
- Missing or improperly installed valves
- Absent fire door on gas appliances
- Soot near burner or vents
- Discoloration around burners, access doors or vent area
- Noisy appliances
- Water damaged appliances
Source: GreenHomes America

Published with permission from RISMedia.


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5 Affordable Home Improvement Ideas

October 10, 2014 1:32 am

It would be nice if we could always afford to remodel the kitchen or add another bedroom or a covered patio at will. But if expensive projects have to wait their turn, there are many smaller projects—many of them do-it-yourself or with friends—that can vastly improve the look of your home on a very small budget.

Sienna Beard at the Wall Street Cheat Sheet, an online consumer guide to saving time and money, offers five suggestions for tackle-now projects well worth their time and effort:

Snazz up the kitchen – Reface or replace the cabinets if you can, but if that’s not in the cards, then paint the kitchen, update the hardware, and/or establish a cool color scheme with kitchen linens and accessories for a fresh new look without spending a lot of cash.

Add baseboard and crown molding
– For a classic look in the living area, add wider baseboards painted white to set off the color of the walls. If you can afford it, consider crown molding at the ceiling line to make the room appear more polished and finished.

Improve the lighting
– Few people like to enter a dark room. Take stock of the areas where a ceiling fan with lights, some simple wall fixtures, or a few inset ceiling lights would considerably brighten a room.

Change the entry
– Painting or replacing an old front door improves the curb appeal immensely. Consider redoing a cracked walkway, painting the front porch, or simply adding pots of flowers near your bright, new front door.

Add some landscaping – In the front yard, plant flowers leading up to the entry, or add some hedges or attractive shrubs. In the back yard, create an attractive oasis for friends and family with a brick grilling area, an inexpensive fire pit, or some new outdoor furniture set off with attractive pots of spring and summer blooms.

Published with permission from RISMedia.


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