June Croissette
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RE/MAX 440   June Croissette
440 South West End Blvd, RT 309  Quakertown, PA  18951
Office Phone: 215-538-4400    Phone: 215-538-4400 Ext. 1210  Fax: 267-354-6834  Cell: 215-872-4966
jcroissette@remax440.com

My Blog

Protecting Your Home against Wicked Weather

December 14, 2016 2:48 am

While the east coast recently suffered through Hurricane Matthew, severe weather can strike anywhere, anytime. The Massachusetts-based Hanover Insurance Group recently shared these tips to help homeowners protect both their families and their properties during a storm.

Know what's in your home. A home inventory is often overlooked. An industry poll indicated homeowners' insurance claims are processed nearly twice as fast if home inventories are completed in advance.

Gather supplies. It is always a good idea to create an emergency supplies kit. Consider including items such as flashlights, batteries, medicines, a first aid kit, cash, a battery-powered radio, and a week's worth of water and nonperishable food for the household.

Prepare your house. Make any necessary repairs to loose boards, shingles, downspouts or other items that can pose problems in high winds and torrential rain. Move any unsecured items indoors, including grills, toys, planters and lawn furniture. Trim or remove any decaying and damaged tree branches.

Have a plan. Learn the local evacuation routes and make note of where local shelters are located. Have key telephone numbers on hand, such as family, friends, fire and police departments, and your insurance agent.

Stay informed. Sign up for alerts if possible. Many towns offer weather alerts to help inform residents of ways to stay safe.

Check your insurance protection. An independent insurance agent can help ensure comprehensive coverages are in place. Some good questions to consider include:
  • Are current rebuilding costs covered?
  • Should separate flood insurance be considered?
  • Are there any gaps in coverage?
​Source: The Hanover Insurance Group, Inc.

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Holiday Tips for Alzheimer's Families

December 14, 2016 2:48 am

While the holidays are often a joyous time for celebrating with friends and families, for families living with Alzheimer's, celebrations can be a bit of a challenge. Read on for tips on helping your family have the best holiday season possible.

Talk to friends and family before they arrive
Explain that your loved one with dementia may have trouble following conversation or tend to repeat him or herself.  Everyone can help by being patient, not interrupting or correcting, and giving the person time to finish his or her thoughts. Help visitors understand that in the middle or late stages of Alzheimer's, there may be significant changes in cognitive abilities since the last time an out-of-town friend or relative has visited. 

Adjust expectations
The stress of caregiving responsibilities layered with holiday traditions can take a toll. Give yourself permission to do only what you can reasonably manage. Make sure everyone understands your caregiving situation and has realistic expectations about what you can do. Be honest about any limitations or needs, such as keeping a daily routine.

Involve the person with dementia
Focus on activities that are meaningful to the person with dementia. Your family member may find comfort in singing old holiday songs or looking through old photo albums. As the person's abilities allow, invite him or her to help you prepare food, wrap packages, help decorate or set the table.

When the person lives in a care facility
Consider joining your loved one in any facility-planned holiday activities. Bring a favorite holiday food to share, sing holiday songs and ask if other residents can join in or read a favorite holiday story or poem out loud.

Source: www.alz.org/nyc

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Make Your Home Just a Little Smarter

December 12, 2016 2:45 am

According to a 2016 HomeAdvisor research report, Americans spent on average $564 - $2,260 to install a home automation system, with prices ranging as high as $15,000 to install a hard-wired system. While outfitting your home with a full suite of smart home technology can be pricey and intimidating, there are some smaller ways you can start to incorporate this all-the-rage trend into your abode.

Smart home automation deals with syncing household devices and systems with schedules or responsive sensors, says HomeAdvisor, which means that smart home technology is dependent upon  smartphone apps and wireless internet routers. The goal is to save on costs, and add convenience and security throughout your home.

A good place to start is with your thermostat. A variety of smart thermostats are available, allowing you to automate and control your home’s temperature from your smartphone. Some, like Nest, learn your habits throughout the day and set the temperature accordingly.

You might also want to consider a smart television. An evolution of the Roku and Apple TV external devices, smart televisions have integrated everything you could ever want right into your set - Netflix, Hulu, YouTube, HBO Go, Pandora, network TV, gaming and much more.

Another great feature to consider is smart shades or blinds. These programmable, remote-controlled window coverings allow you to schedule open-and-close times in conjunction with the room’s exposure, putting you in control of energy saving and setting the mood.

Speaking of setting the mood, a whole host of smart light dimmers give you the option to control the lights in your home from your smartphone. This is an especially useful security feature while you’re away from your home for extended periods of time.

Another great security option is smart smoke and carbon monoxide detectors—this technology alerts you to not only what the problem is but within which part of your home it’s happening.

While the smart home technology options are endless and fascinating, keep in mind that they are internet dependent, so if your home goes offline, so will your devices.

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Personal Finance 101: What is a Fiduciary?

December 12, 2016 2:45 am

Those looking into hiring a finance advisor may have heard the term “fiduciary” thrown around. But what is a fiduciary, and do you need one?

"Consumers are hearing the term 'fiduciary' more often, but increased awareness doesn't necessarily equal increased understanding," explains  National Association of Personal Financial Advisors CEO Geoffrey Brown.

What is a fiduciary? A fiduciary is a professional entrusted to manage assets or wealth while putting the client's best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries will also adopt a code of ethics and will fully disclose how they are compensated.

Non-fiduciary financial professionals can recommend investments with higher fees, riskier features and lower returns because they earn more money for the advisor, even if those investments are not the best choice for their clients.

Who is a fiduciary? Registered Investment Advisors (RIAs) are held to a fiduciary standard of care. By law, they must act solely in the best interest of their clients. To ensure your advisor or a potential advisor is following a fiduciary standard, request to see the advisor's ADV (a form filed with the SEC) or ask if they will sign a Fiduciary Oath.

How can you find a fiduciary? Accountability is important in financial planning. While there are many people in the financial industry who profess to have the client's best interests at heart, they still may have conflicts that impact their recommendations. It's important for consumers to ask the right questions of any potential advisors.  

Source: http://www.napfa.org

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How to Keep Your Pipes From Freezing

December 12, 2016 2:45 am

Winter means toasty fires, steaming cups of hot cocoa and—for many—frozen pipes. Frozen pipes can lead to major damage, so it's important to keep them protected when cold air hits.  

Gary Eisenhauer, a manager at The Sunny Plumber in Las Vegas, recommends a few tips for protecting your pipes as the weather turns cold.  

- When an overnight freeze is expected, slowly run one or two faucets to keep water moving through the lines.

- Outdoor hoses and their connection to water sources are particularly vulnerable to freezing weather. Eisenhauer advises consumers to unscrew hoses from the outdoor facet to allow for drainage and keep outside hose bibs open to allow water to drain.

- All outside pipes and hose spigots should be insulated, this is easy to do with the purchase of an installation kit from your local hardware store.

- Pipes running against exterior walls, like those in kitchens, are often subject to freezing and typically have little to no insulation. Keep cabinets under kitchen and bathrooms sinks open to allow for warm air flow to prevent freezing.

- Pipes in unheated areas like basements, attics and near garages are also susceptible to damage from cold. Take special care to insulate these areas.

- Heat tape is a great product to insulate water pipe. These "pipe sleeves" could be as simple as newspaper wrapped around pipes to keep them warm and insulated.

- During cold spells, Eisenhauer recommends keeping your thermostat set at the same temperature during the night and day – this helps regulate temperatures and prevent unwanted expansion.Source: thesunnyplumber.com.

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How to Pay Less at the Gas Pump

December 9, 2016 2:45 am

While gas prices dropped to a 12-year low this past July and are expected to remain favorable, it’s always a smart idea to be prudent when it comes to fuel usage – both for your wallet and the environment. Here’s some great advice from the U.S. Department of Energy, on saving money at the pump.

Turn your engine off when you’re parked for more than 10 seconds. Idling can use a quarter to a half gallon of fuel per hour, depending on engine size, adding up to $.03 cents* of wasted fuel a minute.

Calm down behind wheel. Aggressive driving – i.e., speeding, hard braking, rapid acceleration -  can lower your highway gas mileage by up to 33 percent and your city mileage by 5 percent.

Watch your speed. Every five miles per hour above 50 miles per hour, equates to an additional $.19 cents per gallon of gasoline. 

Stow items inside the car as opposed to the roof rack. This reduces “drag,” which can decrease your fuel economy by up to 8 percent in city driving and up to 25 percent at Interstate speeds. 

That said, avoid keeping heavy items in your car; an extra 100 pounds in your vehicle could increase your gas costs by up to $.03 cents per gallon.

Run all your errands at once since stopping and starting cold can use twice as much fuel as one trip covering the same distance when the engine is warm.

Drive less. Of course telecommuting, carpooling, and public transportation are the ultimate ways to save on fuel costs. Try walking or biking and you can tick off the exercise box, too.

*All cost estimates assume an average price of $2.69 per gallon.

Source: fueleconomy.gov

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5 Tips for Easy Holiday Shipping

December 9, 2016 2:45 am

(Family Features)--It's the most wonderful time of the year, and holiday gift-giving and receiving is at the top of everyone's to-do list. There are several simple steps you can take to make those deliveries a little easier.

1. Pack like a pro (or rely on one). Be sure your packages arrive intact by using the proper materials. Use sturdy, corrugated boxes as well as foam packaging peanuts and bubble cushioning to protect your gifts. Allow at least 2 inches on all sides of the items being packed, including the top and bottom.  

2. Secure delivery locations. If you're expecting deliveries of online purchases or gifts, you may hesitate to leave the house and enjoy holiday outings and family activities. Some companies allow you to redirect packages to a neighbor or a nearby business so you can rest assured your packages are in good hands.

3. Ask for a guarantee. After spending precious time selecting each gift, you need assurance and peace of mind that your efforts won't be for naught. For example, The UPS Store offers the Pack and Ship Guarantee, a service that covers lost or damaged items. Some providers even offer coverage for the cost of packing materials, service and shipping.

4. Use tracking tools. The holiday season is no time to wonder when or if your package will arrive. Using a trackable delivery service helps ensure you can monitor your package's progress and receive an alert when it is successfully delivered.

5. Ensure gifts arrive before Santa. Timing is key when it comes to holiday shipping. Mark the calendar with these shipping deadlines so all gifts arrive just in time.

Source:  theupsstore.com 

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How to Prepare Your Car for Winter

December 9, 2016 2:45 am

As winter weather blows in, many of us are thinking about the holidays. But with temperature drops and inclement conditions involving snow and ice, it's important to pay attention to your car to ensure your safety all season long. Routine maintenance, changing tires and fluids, and traveling with an emergency kit can help drivers avoid weather-related issues.

Below are six tips to prepare for the winter season, courtesy of YourMechanic.

Store an emergency kit in your car that includes a first-aid kit, flashlight, batteries, jumper cables, food, water, flares, warm clothing, blankets, tools, and any other items that may help if your vehicle breaks down or you are at risk of being stranded.

Check your engine coolant to ensure it is able to withstand the coldest sustained temperature in your region. Consider scheduling a cooling system flush to keep the vehicle in top condition.

Inspect the windshield washer system. Make sure wiper blades are working and regular washer fluid has been replaced with winter washer fluid, which has antifreeze properties. Replace old wiper blades before winter and keep an ice scraper in your vehicle.

Perform routine maintenance including regular oil and filter changes. Extreme cold weather, below -25°F, may require a different blend of motor oil for your vehicle.

Consider winter tires if your vehicle will be driven in a region with three or more months of snow annually. The tread on winter tires provides enhanced traction. All-season or summer tires lose effectiveness below 45°F.

Test your battery. A weak battery may have difficulty starting because reserve energy levels drop when temperatures plummet.  At 0°F, a car battery can lose about 60 percent of its strength, and at 32°F the battery can lose 35 percent of its strength.

Source: http://www.yourmechanic.com

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Med-free Ways to Conquer Insomnia

December 7, 2016 2:45 am

Whether it’s due to stress, health issues or simply age-related, insomnia is sheer misery. Poor sleep can wreak havoc on our productivity and relationships, both at work and at home. Chronic fatigue is also dangerous, contributing to a host of illnesses and making it unsafe to drive or perform certain tasks.

But are over-the-counter or prescribed sleeping medications the only answer? For some, there may be no choice, but for many, there are several great, drug-free ways to induce better sleep. Give the following a try before turning to pharmaceuticals.

Read. Find a book that really grabs your interest, and make reading your nightly before-bed ritual. Reading relaxes the mind, whereas screens of any kind – TV, phone, tablet – stimulate your brain and make falling asleep even more difficult. If you wake in the middle of the night and can’t fall back to sleep, instead of endlessly turning and tossing, start reading again. A good story will divert your mind from anxious, middle-of-the-night thoughts, and before you know it, you’ll be slipping back into sound slumber.

Meditate. For anxiety-induced insomnia, meditation can be life-saving. The goal of meditation is to relieve your mind of all thoughts and simply focus on the power of deep breathing. Don’t be discouraged if you find this almost impossible to do—meditation is an acquired skill and the mere act of just trying, starts relieving your mind of stress. Try a popular meditation app, such as Deepak Chopra’s Ananda, which allows you to choose you meditation, music and the duration. A simple 10-minutes worth can provide tremendous benefits.

Do Some Yoga. While certain yoga poses get the blood flowing and leave you invigorated, other poses are geared toward relaxation and will help you wind down, such as Locust pose and Legs up the Wall. According to mindbodygreen.com, these restorative poses activate the parasympathetic nervous system, which helps to counteract stress and promote relaxation. Such poses are for beginners and pros alike and can even be done right in bed!

Try Some Tea. Often underrated, natural night-time teas can work wonders. You can also brew a cup if you wake up in the middle of the night, since they are always caffeine-free. There are many on the market, but look for ingredients such as chamomile, valerian, lavender and lemon balm. You can also grow your own lemon balm and add a little to your dinner.

If all else fails, please do see your doctor. A good night’s sleep should be priority-one for all.

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Make Safety a Priority This Holiday Season

December 7, 2016 2:45 am

Your ideal holiday likely does not involve a trip to the emergency. Unfortunately, approximately 15,000 people are seriously injured and visit the emergency room during the holiday season. Between stringing lights on tall trees, enjoying fires inside and shoveling snowy drives, there are numerous ways to forget your own safety.

Below are a few holiday safety tips, courtesy of the National Safety Council.

- Never use lighted candles near trees or boughs

- Use a ladder or step stool to decorate high places

- Keep poisonous plants such as poinsettias out of reach of animals and children

- Check holiday lights for fraying, bare spots, gaps in insulation or excessive kinking in the wire

- Turn off all tree lights and decorations when not in use

- When cooking, wash hands, sink, utensils and anything else that touches raw meat

- Immediately refrigerate leftovers, and reheat food to at least 165 degrees

- If you are hosting a party and serving alcohol, make sure everyone has a safe ride home. Impairment begins with the first drink.

- Avoid giving children gifts with small parts or button batteries, which are easily swallowed and can be fatal.

Source: nsc.org

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