RE/MAX 440
Cheryl Goedeke
701 W. Market Street
Perkasie, PA   18944
Phone: 267-664-2288
Office Phone: 215-453-7653
Fax: 267-354-6833
email: cheryl@remax440.com
Cheryl Goedeke

My Blog

Rent.com Survey: 60 Percent of Renters Do Not Have Rental Insurance

March 14, 2013 4:02 am

You’ve already “sprung forward” your clocks to let a little more sunshine in, but did you know that March is also National Maintenance Month? Daylight Savings acts as an annual reminder to make sure your whole pad is up to par.

Rent.com conducted a survey of 1,000 renters nationwide and found a few startling stats that shine a light on how unprepared most renters actually are in case of an emergency situation:

• 21 percent of 18-24 year old renters didn’t know they were supposed to perform maintenance.

• 35 percent of renters have no plan for safety in case of an emergency situation.

• Over 55 percent of renters do not feel safe and prepared in and around their apartment, yet 60 percent of renters don’t have renters insurance.

Despite the fact that the National Association of Insurance Companies found that the average premium payment is just $15.75 a month, 60 percent of renters who don’t have renter’s insurance say it’s because it is too expensive. This amount roughly is:

• Less than the approximately $80 a month that 50 percent of the American workforce spends buying coffee.

• Less than the approximately $148 a month two-thirds (66 percent) of American workers pay for lunch.

• The cost of just two movie tickets a month at the national average of $7.96 each.

Source: Rent.com

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Tips for Making Roof Color Choices with Confidence

March 13, 2013 4:02 am

Standard slate gray or bold terracotta? Solid brown or a blend of three warm brown tones? For some homeowners, the question of what color to cap off their homes is more challenging than the decision of what roofing product to use.

According to color expert Kate Smith, CMG, people are often paralyzed at the idea of making a roofing color decision. "Selecting exterior building product colors can be daunting for some people, specifically because of the long lifespan of those products," says Smith. With some roofs having as much as a 50-year warranty, it's a long-term color commitment to make. "While it's fairly easy and inexpensive to repaint the interior of a room, you want to maximize your roofing investment by selecting a color you can live with for many years. Many people need some support and guidance when making those larger color decisions."

Smith, a national color expert, offers these tips for homeowners trying to determine what roofing colors to select.

• Tip #1 – Take time and do your homework. Don't rush a decision. Try to envision a home exterior that you will like next year, five years from now, and then 20 years from now.

• Tip #2 – Consider your options. While a solid color roof may work for some home styles, a blend of several colors may offer a "softer" look with more accent options. Pre-bundled roofing color blends can be made with two, three, four or five different color blends that complement each other.

• Tip #3 – Investigate the different roofing color options available to you. Use a Color Design tool to create your own custom color blends.

• Tip #4 – Request life-sized samples of your favorite color roofing tiles to hold up against your current roof to see the change that a new color will make for your home.

• Tip #5 – Look at the other homes in your neighborhood. Your home should blend in or stand out from other homes, but never clash with the rest of the homes in your community. A roofing color can help achieve a harmonious look.

• Tip #6 – Get assistance from a professional. Just as selecting the roofing product is a big decision requiring the assistance of a professional, so is the choice of the roof color. Consult a color expert and use the color tools offered by experts and product manufacturers to gain a strong comfort level for your color choice.

Source: www.davinciroofscapes.com

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Tips on Planting the Right Tree in the Right Place

March 13, 2013 4:02 am

There are many benefits to planting trees: they keep homes cool by providing shade, enhance property values and clean the air. However, if the right tree is not planted in the right place, it can potentially damage electric and gas lines, causing power outages, gas leaks and other serious public safety concerns. In fact, more than 90 percent of tree-caused power outages come from healthy trees and branches that fall or grow into power lines.

Even trees that are small when planted may grow to heights that can interfere with overhead distribution power lines, and planting any type of tree near larger, higher-voltage transmission power lines should be avoided all together. Calling 811 before digging will also help customers plant trees in a location where roots won't interfere with underground electric and gas lines.

Here are a few tips for planting the right tree in the right place, especially if you are planting trees near distribution power lines:

• Only plant a tree near distribution power lines if it will grow to less than 25 feet at maturity. (This information is available at your local nursery.)

• Avoid planting any type of tree near larger and higher voltage transmission power lines; only use low-growing plants.

• Whenever homeowners or contractors are grading, installing sprinklers or planting a tree, PG&E urges them to call 811 at least two days before starting a project to have underground gas and electric lines marked. For more information, visit www.call811.com.

• Keep all trees, equipment and people at least 10 feet away from power lines.

Source: Pacific Gas and Electric Company

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Top Five Termite Facts & FAQs

March 13, 2013 4:02 am

According to pest control leader Orkin, this is the season for termite swarms in the southeast U.S. When temperatures are consistently above freezing, termites often swarm inside homes before moving outdoors to search for food and water. Here are answers to consumers' top five frequently asked questions.

Q: Are termites only active in the spring and summer?
A:
No, even though termites are most visible in the spring, they can damage property year-round. According to the National Pest Management Association, termites cause about $5 billion in damage per year in the U.S.

Q: What is a termite swarm, and if I see one, does that mean I have a termite problem?
A:
Swarmers, also known as the "reproductives" of the colony, are termites that come out each year to start new colonies. They usually leave the nest in the spring. Colonies do not typically start producing swarming termites until the colony is fairly mature and has more than likely been established for a while. If people see a swarm of termites inside their home, that could be a sign that termites have been there for at least five to seven years.

Q: How can you tell the difference between a termite and a flying ant?
A:
Although termite swarmers and flying ants can be easily confused, homeowners should not assume swarms are groups of flying ants. Termites are found in every state except Alaska and thrive in warm and damp, humid climates. This is a good example of why it is important to partner with a professional pest management company. They can help homeowners determine what type of pest they have and develop a customized approach to a treatment plan and solution. Another difference is that ants typically swarm in the summer, while termites generally swarm right at the onset of spring when winter is ending.

Q: I do not see any signs of termites, so do I need to worry about a preventive plan?
A:
Warning signs can be subtle and often go unnoticed until structural damage has already occurred. Signs of an infestation can include termite swarms, mud tubes and piles of discarded wings. After the termites swarm, which is typically during warm spring days, they can shed their wings and leave piles of them behind. Any area around your home that is in contact with the soil can be a potential termite entrance.

Q: What else can homeowners do to prevent a termite problem?
A:
Orkin advises homeowners to keep gutters clear, and direct water from downspouts away from your home. Also, do not pile mulch or allow soil to accumulate against your home's siding. This could provide access for termites to enter your home. Finally, pay close attention to dirt-filled porches and crawlspaces. Termites could have easy access to wood through cracks in foundation walls or if wood is in contact with the soil.

Source: Orkin

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A Winning Kitchen Remodel Recipe: 4 Secret Ingredients for Success

March 12, 2013 4:00 am

For the first time since 2008, kitchens have become the No. 1 remodeling project for homeowners, according to RemodelorMove.com. But before you join the rush to remodel your kitchen, you should carefully consider whether the project is a good idea for your finances and family.

To help you make the right decisions, there are new and free tools available online to help you decide if remodeling is a good decision; estimate how much it will cost to remodel your kitchen, find, save, categorize, and share kitchen design ideas and pictures, and get answers to your remodeling questions.

Here is some sage advice to help you get started the smart way on your kitchen remodel:

First, decide if remodeling is right for you. You should consider a multitude of variables, such as: Can we comfortably pay for this remodel? Is my family emotionally ready to deal with the disruption? Would it be easier or less expensive to move instead?

Next, get a cost estimate. Remodel cost calculators are available to give you an instant estimate. It's important to get an estimate early in the planning phase to give you plenty of time to arrange your finances, compare prices on everything from appliances to countertops to cabinetry, and make sure your kitchen remodel is as budget friendly as possible.

Make organization a top priority. You'll be dealing with a thousand tiny details, ranging from paint colors to cabinets to floor plans. Letting any one of these details fall through the cracks could mean extra expense and delays.

Bring in the experts for answers. You may find that talking with a real estate agent, interior designer, architect, mortgage banker, or remodeling contractor can help you understand the true costs and benefits of remodeling.

If you approach your kitchen remodel with an eye for cost-effectiveness and organization, not only will you have a gorgeous new space to cook in, you can even increase the value of your home.

Source: RemodelorMove.com

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Heat Your Home the Natural Way

March 12, 2013 4:00 am

Wondering how to bring heating and related energy costs down while maintaining home comfort? In addition to plugging air leaks, the Alliance to Save Energy is encouraging homeowners to use sunlight as a cheap alternative to heating their home.

The Alliance provides the following tips for homeowners to heat their home for less this winter:

-Open curtains and other window treatments on your west- and south-facing windows during the day to allow sunlight to naturally heat your home, and close them at night.

-Let a programmable thermostat “remember for you” to lower the heat while your home is empty and/or overnight to reduce heating costs by up to 10 percent–and allow you to come home and wake up to a toasty, comfortable house.

-Keep furnace filters clean. Check and change your filter every month during heavy-use winter months to assist air flow so your system doesn't have to work harder to keep you warm.

-Seal your heating and cooling ducts. In a typical house with a forced air system, about 20 percent of the air that moves through the duct system is lost due to leaks, holes and poorly connected ducts. Sealing and insulating ducts increases efficiency, lowers home energy bills and can often pay for itself in energy savings.

-Properly maintain your HVAC system. Just as a tune-up for your car can improve your gas mileage, a semi-annual or yearly tune-up of your heating and cooling system can improve efficiency and comfort. The federal government’s ENERGY STAR website (www.energystar.gov) can help you find a qualified individual.

For more information, visit www.ase.org.

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Tips for Drivers Going Through the Claims Process

March 12, 2013 4:00 am

When submitting a claim to an auto insurance company, one of the most important people in the process is the insurance adjuster. This is the person who handles most of the major aspects of the claims process, from examining the damage on a vehicle to determining fault. After filing a claim with an insurance company, the claims department will assign the claim to an adjuster. Expect to hear from an adjuster shortly after filing a claim, as he or she will be the main contact at the insurance company throughout the process. Getting to know the insurance adjuster’s role and what you should expect from the adjuster helps make the claims process go smoothly.

The adjuster’s job is to determine whether the person making a claim is owed payment under the insurance policy. The adjuster will:

• Take a statement from the claimant and any witnesses regarding the accident.
• Examine the damage to the car.
• Determine the current value of the car.
• Review all statements and police reports regarding the accident.
• Determine fault.
• Review injury claims.
• Determine what benefits apply, if any.
• Deal with the other party’s insurance company, if applicable.

These are just a few of the tasks the insurance adjuster must handle in order to ensure a properly and fairly processed claim. When a claim is being processed, expect to hear from the adjuster regularly. The adjuster’s contact phone number will be provided, should any questions or concerns arise or if you simply want to find out the status of a claim.

Your insurance adjuster should:

• Provide updates on the claim status.
• Address concerns regarding the claim.
• Represent the driver’s interests to the other insurance company if not at fault.
• Assist with all needs as covered in the policy, such as a rental car.
• Work toward a fair settlement and listen if any disagreement comes up with determinations, including fault and value of the car.

A good claims department should be one of the major factors in choosing an insurance company. When shopping around to compare car insurance rates, take a look at each company’s customer satisfaction ratings for claims processing. Good insurance adjusters are fair, work quickly and ensure everyone is satisfied. Don’t hesitate to question or voice concerns about a claim and if the adjuster is being unfair, ask to speak to someone in a senior position to address any concerns.

Source: InsuranceHotline.com

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Protect a Home from Severe Weather with a Metal Roof

March 11, 2013 10:00 am

Hailstorms, hurricanes, heavy snow and wildfires can all cause extensive damage to a home. The roof takes the brunt of extreme weather, protecting everything and everyone from the elements. Choosing the right roofing product can mean the difference between a minor repair or a major problem. In the U.S., approximately 10 percent of homeowners now choose a metal roof when remodeling.

Metal roofing systems are designed to stand up to extreme weather conditions. In extreme cases, such as high wind conditions common in a wildfire, burning pine needles and debris can easily ignite a traditional asphalt roof. A metal roof may be the best protection one could get.

For homes in hurricane-prone areas, metal roofing's durability is a key factor to consider when re-roofing. Many metal roofing systems have a 120-mph wind rating and uplift resistance that exceeds new building code requirements. Metal roofing materials interlock, forming a protective barrier that other roofing materials do not provide. The interlocking system makes the roof stronger and more resistant to high winds.

In addition, naturally durable metal roofs are highly resistant to hail damage. Hail will not penetrate a metal roof. Metal roofing products have the highest impact resistance and hail rating granted by Underwriters' Laboratory (UL). Most metal roofing products earn a UL2218 Class 4 rating, meaning that a sample of the product did not crack when it hit twice in the same spot by a 2-inch steel ball, which would translate into a huge hailstorm.

If you are looking to buy a new roof for your home, you should at least consider the investment value in a metal roof. In fact, 61 percent of consumers who choose a metal roof cite durability as the top reason for their choice.

Source: www.metalroofing.com

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How to Sleep Better Tonight

March 11, 2013 10:00 am

A good night’s sleep can aid your productivity, allow you to feel fresh and alert, and even keep you healthier in the long run. To improve your sleep, try the following tips:

Exercise regularly. Vigorous exercise is best, but even light exercise is better than no activity. Exercise at any time of day, but not at the expense of your sleep.

Create an environment that is conducive to sleep that is quiet, dark and cool with a comfortable mattress and pillows.

Practice a relaxing bedtime ritual, like a warm bath or listening to calming music.

Go to sleep and wake at the same time every day, and avoid spending more time in bed than needed.
Use bright light to help manage your "body clock." Avoid bright light in the evening and expose yourself to sunlight in the morning.

Use your bedroom only for sleep to strengthen the association between your bed and sleep. It may help to remove work materials, computers and televisions from your bedroom.

Save your worries for the daytime. If concerns come to mind, write them in a "worry book" so you can address those issues the next day.

If you can't sleep, go into another room and do something relaxing until you feel tired.

If you are experiencing excessive daytime sleepiness, snoring, or "stop breathing" episodes in your sleep, contact your health care professional for a sleep apnea screening.

Source: www.sleepfoundation.org

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Top Ten Home Staging Tips

March 11, 2013 10:00 am

With the spring selling season right around the corner, here are a few staging tips to help you set up for your next open house or home sale.

1. Consider curb appeal
You may not have the funds for a professional landscaper, but homeowners should make sure lawns are freshly mowed, leaves raked, and paths cleared. Scrub the front door, porch, railings and steps, pick up a new mailbox and welcome mat, and add a fresh coat of paint where needed. Add seasonal potted plants and a bench to the entryway to welcome visitors into a clean, fresh and relaxing space.

2. Forgo Family Photos
You may consider it the crown jewel of the living room, but future buyers will see outdated family photos as years of wear and tear. Clear the room of family portraits and other items that say "you don't live here" to potential buyers.

3. What Once Was Old, Should Be Newly Slip-covered
No need to splurge on new furniture and home assets when your budget is already tightened up, especially in the midst of a move. Cover up outdated, worn and loud furniture with neutral colors. With new fitted and tailored slipcovers, as well as throw rugs and even coordinated curtains, you can make your home décor look like new.

4. Rearrange Refresh
Arrange the room in a conversational way. You may have preferred for every piece of furniture to face the television, but potential buyers will appreciate more of an open room vignette.

5. Kitchen Clean Up
Kitchens play a big part in home resale value, so make sure buyers are impressed. Spend extra time scrubbing, cleaning and de-cluttering, and make sure counters are clear of appliances. Re-stain shabby cabinets, replace any mismatched hardware, add fresh cut flowers, turn on lights and open curtains for a clean, bright and attractive gathering space.

6. Let in Some Air
Keep stuffiness and odors at bay by opening windows for at least 10 minutes prior to showing. Go easy on the air freshener, but bring in fresh cut flowers for a natural look and smell.

7. What’s Behind Door #3?
While shoving everything into a closet has been your go-to cleanup plan since your teen years, potential buyers will undoubtedly look behind every door in your home. Keep bedroom, linen closets and storage spaces neat and tidy to avoid any embarrassing surprises.

8. Scrub Until it Sparkles
Clean bathrooms until they look like the model sets at Home Depot. Signs of use, like soap scum and toothpaste stuck to the sink, will turn buyers off. Replace any outdated fixtures with sleek and modern ones, and add fresh cut flowers to help with aroma and appearance.

9. Sleep Tight
Keep bedrooms neutral, comfortable and spacious. Buyers want to picture themselves relaxing here, so use soft colors, light scents and earth tones to “set the mood.” Make bedrooms appear larger by limiting items in the room to a bed, dresser and small seating area for the master bedroom. Update any outdated bedding and use a lavender oil diffuser to keep relaxation a priority here.

10. Better Backyard
Outdoor living spaces have become exponentially more important to potential buyers. Treat your back deck or patio like any other room in your home. Scrub down patios, touch up worn fences and banisters, and make sure your yard is free of clutter. A few decorating touches can make your space much more than just a “backyard.” Cover a worn picnic table with a bright tablecloth and replace worn chair cushions with new ones.

Source: SureFit

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