RE/MAX 440
Margie Kollar

Margie Kollar
1110 North Broad Street  Lansdale  PA 19446
Phone:  215-822-8171
Office:  215-362-2260
Cell:  215-620-5500
Fax:  267 354-6859

My Blog

How to Choose the Perfect Location for Your Honeymoon

October 16, 2017 1:36 am

For most, a honeymoon is one of the most memorable trips you ever make. Newly married and with the stress of the wedding behind you, you're able to relax and enjoy time with your new spouse. But not every honeymoon spot is created equal, and different locations will be a better fit for different personalities. Are you adventurous and interested in outdoor time, or would you rather sit by the pool with a good book? Below are a few factors to consider, from travel resource Vacation.

Budget: How strict is your honeymoon budget? Do you have enough money available for unexpected expenses on the trip, or would you rather know up front what you will be paying?

Drinks: Do you want to start the day with a mimosa, drink a piña colada by the pool at noon, see the sunset on the beach with a mai tai in hand, and then enjoy a multi-course dinner with wine? Or are you satisfied with just the occasional beer?

Activities: As a couple, do you like time to relax on vacations and forget about the stress of everyday life (and even weddings!), or do you want to be active?

Adventure: Is your dream honeymoon all about a lush, luxury resort, or would you and your betrothed rather focus on sightseeing and just have a comfy place to sleep at night?

Entertainment: Do you love the nightlife scene, or would you rather enjoy quiet evenings away from all the hustle and bustle?

Source: Vacation

Published with permission from RISMedia.


Tags:

Business Safety: Avoiding Scams

October 12, 2017 1:03 am

Running a successful business is no easy feat. But with today's heavy reliance on technology, businesses are at a higher risk than ever for falling prey to scams.

Businesses can use the following guidelines from the Pennsylvania Department of Banking and Securities to help protect themselves from becoming the victim of an email scam:

Examine email addresses closely. Scammers may spoof emails to look very similar to a legitimate person's address.

Never transfer money without confirming the request, by phone or in person. Whether it is a matter of walking down the hall to the CEO’s office, or contacting a colleague via phone, confirmation from the person requesting the transfer can protect your company.

Do not use links or phone numbers provided in the email. Contact your trusted partners and colleagues using known contact information.

Think before you click! Do not open attachments or links until you have verified them.

Utilize your IT resources. Work with staff to flag emails with similar extensions to your organization's or create other flags and filters.

Implement two-factor or multi-factor authentication with sensitive information and funds. Require a second (or multiple) staff members to review and approve requests for fund transfers.

Source: Pennsylvania Department of Banking and Securities

Published with permission from RISMedia.


Tags:

7 Steps for a Healthier Home

October 12, 2017 1:03 am

(Family Features)--As homeowners become increasingly aware of the impact their homes can have on the environment - and on their health - making eco-conscious choices is as important as ever. From controlling the types of materials used within your home to keeping an eye on indoor air quality, these tips can help you create a healthier, more earth-friendly indoor environment.

Use a water filter. Depending on where you live, different contaminants could reside in your tap water. Rather than risk consuming these contaminants or drinking bottled water, which can generate significant waste, consider purchasing a refrigerator with a filtered water option, attaching a water filtration device to your faucet or using a filtered water pitcher.

Ditch plastic food containers. Some plastics are not as high quality as many think and may contain toxic materials, making them potentially harmful - especially when used for storing food. Instead, opt for glass, silicone, cloth or stainless steel storage containers, which are friendlier to the environment and pose fewer toxicity risks. Plus, many of these containers can be placed directly in an oven or microwave to safely reheat food.

Install eco-friendly insulation. Certain materials in your home, such as insulation, can be replaced with sustainable options that also improve indoor air quality. Consider replacing your existing attic insulation with sheep's wool insulation, such as all-natural options from Havelock Wool. This renewable, high-performing and safe-to-handle material excels at managing moisture while improving indoor air quality through the absorption of formaldehyde, nitrogen oxide and other harmful substances. Learn more at havelockwool.com.

Clean "green." Cleaning products can be made with ingredients that are harmful to the environment, as well as your family's health. Make sure you know what is in your household cleaners before using them and, whenever possible, look for cleaners that have been certified as green.

Deal with dust. Even if you don't struggle with allergies or asthma, over time, dust particles can be unhealthy for you and your family. Vacuum frequently and use a wet mop on floors without carpet to limit the formation of dust bunnies throughout your home. Clean and replace your vacuum's filter frequently to ensure you're trapping maximum dust. Also regularly wash towels, linens and other textiles, including window treatments.

Replace air filters. Older, dirty air filters can circulate dust, pollen and other particles throughout your home. They can also cause your air conditioner and heater to run less efficiently, which can result in higher energy consumption. Rather than pushing potentially harmful dust particles into your house and causing your systems to work overtime, inspect your air filter often and change it regularly. You might also want to consider installing a whole-home air purifier or placing portable air purifiers in frequently used rooms.

Reduce energy and natural resource usage. Try installing timers on your lights so they turn on only at specified times. To take it a step further, consider installing lighting with vacancy sensors that automatically shut off the lights when a room isn't being used. Choose energy-efficient appliances, low-flow toilets and consider adding a rain barrel outside to collect rainwater, which can be used for chores such as watering plants, irrigating the lawn or washing your car.

Although it may not be practical to implement all of these ideas at once, little by little you can make small changes that add up to a big difference.

Source: Havelock Wool

Published with permission from RISMedia.


Tags:

Fire Prevention Advice to Save Lives Year Round

October 11, 2017 2:30 am

The words “preventable fire” are tragic when lives are lost. Taking even a few minutes to run down a short punch list of common sense measures with your family could make the difference between life and death in a residential fire.

Tommy Webber at New York's T. Webber Plumbing, Heating & Air Conditioning (twebber.com) has compiled the following six-point plan to help prevent fires and ensure your family is prepared for a fire emergency all year-round:

Check smoke detectors – Test and replace smoke detector batteries twice a year at Daylight Savings Time. Or consider adding newer smoke detectors with batteries that can last up to 10 years. If detectors are wired into your home’s electrical system, think about having a professional check to ensure the wiring is in good shape.

Cook with caution – Never leave cooking unattended, always have a fire extinguisher in the kitchen that is rated for cooking-related fires, and NEVER put a grease fire out with water – smothering the fire is the best method.

Conduct heating system and duct inspections – Make sure all vents in the heating system are clean. If you haven't had your heating system inspected and tuned up, Webber says now is the time to do it.

Don’t leave space heaters unattended – And never place one less than three feet from furniture, window treatments, bedding, clothes, rugs or other combustibles. And remember it's a safety hazard to run space heaters into extension cords or power strips.

Check electrical cords, receptacles, outlets – Check cords for frays and breaks, minimize the number of cords plugged into power strips, and consider replacing outlets and switches that are not working properly.

Have an escape plan and practice it – Your family escape plan should include a rally point for everyone to meet. Make a plan and then practice your plan regularly.

Published with permission from RISMedia.


Tags:

Prepping for the Storm: Natural Gas Safety Tips

October 11, 2017 2:30 am

Is a storm on the horizon? If so, you may be stocking up on supplies and blocking windows, but have you given a thought to your home's gas? Natural gas provider CenterPoint Energy has developed the following pre- and post-storm natural-gas safety tips that customers should follow:

Before the storm:

Do not turn off your natural gas service at the meter; doing so could allow water to enter the natural gas lines.

Be alert for the smell of natural gas. If you smell gas, leave the area immediately on foot and tell others to leave, too.

If you smell gas, do not turn the lights on or off, smoke, strike a match, use a cell phone or operate anything that might cause a spark, including a flashlight or a generator.

Do not attempt to turn natural gas valves on or off. Once safely away from the area, call your natural gas provider. The company will send a trained service technician.

After the storm:

If your home was flooded, call a licensed plumber or gas appliance technician to inspect your appliances and gas piping to make sure they are in good operating condition before calling your provider to reconnect service. This includes outdoor gas appliances including pool heaters, gas grills and gas lights.

Call 811, the nationwide Call Before You Dig number before cleaning debris, digging on your property or to locate underground natural gas lines and other underground utility lines.

Be aware of where your natural gas meter is located. As debris is put out for heavy trash pickup, make sure it is placed away from the meter. If debris is near a gas meter, the equipment used by trash collectors could pull up the meter, damaging it and causing a potentially hazardous situation. If this happens, leave the area immediately.

Source: CenterPoint Energy

Published with permission from RISMedia.


Tags:

Managing High Blood Pressure During the Holidays

October 11, 2017 2:30 am

(Family Features)--Managing blood pressure can be difficult, especially during the holidays and winter months. A change in routine, family visits, traveling, illness, holiday menus and financial concerns can all conspire to derail your best efforts at keeping chronic conditions, like high blood pressure, under control.

If you are one of the millions of American adults with high blood pressure, it is vital to keep your blood pressure stable. Drastic changes can put you at risk for heart attack or stroke.

Here are three ways to control your blood pressure throughout the holiday season from the American Heart Association:

Be Wary of Decongestants
Decongestants are in many over-the-counter cold and flu medications but they have some harmful side effects. They can raise blood pressure and decrease the effectiveness of some prescribed blood pressure medications. It's best to use them for the shortest duration possible and avoid in severe or uncontrolled hypertension. Consider alternative therapies, such as nasal saline, intranasal corticosteroids or antihistamines, as appropriate.

Keep Track of Medication
The winter months tend to bring an increase in both heart attacks and strokes. According to research from the Journal of the American Heart Association, a 4.2 percent increase in heart-related deaths occurs away from a hospital from Dec. 25-Jan. 7.

"Factors like cold weather, sudden increase in activity like shoveling snow, stress and dietary indiscretion can contribute to a chain of events leading to more stress on the heart during the winter months, potentially triggering a heart attack or other cardiac event," says Jorge Plutzky, M.D., director of Preventive Cardiology at the Brigham and Women's Hospital and a volunteer with the American Heart Association.

It is vital to keep track of your medication and take it as prescribed by your doctor to decrease chances of heart attack and stroke. The American Heart Association's Check Change Control Tracker is one way to monitor your health, as it allows you to set up text message reminders, text in blood pressure readings, connect with volunteers or providers, and receive messages from volunteers or providers.

Maintain Healthy Eating Habits
The holidays can be a bad influence on healthy eating habits. However, it is important to stay active during these times and continue eating healthy. While you are enjoying holiday feasts with family, be aware of sodium, often found in seasonal foods like bread, cheeses and prepared meats, which can increase blood pressure. Don't feel like you can't indulge a little, but make sure to incorporate healthy meals.

Staying active while traveling can be a challenge, as well. Try bringing simple exercise equipment like a jump rope or resistance band with you. Consider walking to sights or restaurants nearby, or finding a local park or indoor walking path.

Source: American Heart Association

Published with permission from RISMedia.


Tags:

Fall Tips for Keeping Your Car in Shape

October 9, 2017 1:18 am

As summer ends and the season cools, your vehicle may need a little TLC. Long hot days and that summer road trip may have done a job on your trusty steed. Before heading into winter, consider the following maintenance tips from Mopar.

Tires – Any comprehensive car care checklist should include inspection of tires for wear and tear, as well as a tire rotation if needed. Check for proper air pressure with the Magneti Marelli offered by Mopar tire-pressure monitoring (TPM) system, compatible with not only FCA US vehicles, but also 93 percent of vehicles on the road today.

Brakes – Come wintertime, it's critical to have confidence in your vehicle's braking system. Brake pads and shoes should be checked for wear, and don't forget the rotors, drums, calipers and other braking hardware.

Wiper Blades – Fall and winter mean the likelihood of rain and snow (or even worse) for many regions. It's critical to check wiper blades for wear and tear to guarantee maximum visibility during challenging driving scenarios.

Oil/Fluids – Inspect for dirty or low engine oil, which can sap your engine's performance and may even cause damage, especially when operating under the stress of extreme winter weather.

Vehicle Check-Up – A thorough vehicle check-up before cold weather arrives should be part of any car care punch list, but the burden of inspecting tires, brakes, wiper blades and more doesn't have to fall on the shoulders of vehicle owners. See a professional!

Vehicle Protection Plans – A Mopar Vehicle Protection plan can provide peace of mind heading into the cold-weather driving season. One of many available plans to fit any lifestyle is the Road Hazard Tire & Wheel coverage for unexpected road bumps, such as curbs and potholes, that tend to flourish during the winter months.

Vehicle Interior – Don't forget that in addition to your vehicle's exterior, the inside of your ride also needs to be fortified against attacks from Mother Nature. All-new Mopar all-weather floor mats are constructed with proprietary, Original Equipment (OE) data to accommodate brake and accelerator pedals, and feature deeper channels and more rigid sidewalls to better contain slush, snow and other spills.

Source: Mopar

Published with permission from RISMedia.


Tags:

Fire Safety Tips for Your Family

October 9, 2017 1:18 am

While it may seem like a home fire will never happen to you, it's important to be prepared should the unthinkable occur. Of course there are things you can do in advance, like making copies of all important documents and keeping them elsewhere, like a storage unit, in-laws' home, or even the office. But how about in case of an actual fire emergency? Below are a handful of fire safety tips from Domino's Pizza and the National Fire Protection Association (NFPA):

·       Draw a map of your home with all members of your household, marking two exits from each room and a path to the outside from each exit.

·       Practice your home fire drill twice a year. Conduct one at night and one during the day with everyone in your home, and practice using different ways out.

·       Teach children how to escape on their own in case you can't help them.

·       Make sure the number of your home is clearly marked and easy for the fire department to find.

·       Close doors behind you as you leave—this may slow the spread of smoke, heat, and fire.

·       Once you get outside, stay outside. Never go back inside a burning building.

Sources: Domino's Pizza and NFPA

Published with permission from RISMedia.


Tags:

Upgrades That Boost Your Home's Value and Enjoyment

October 9, 2017 1:18 am

(Family Features)—A home is often a family's single largest asset, so making investments with upgrades and home improvements is almost always a good idea; however, knowing when and where to make those improvements isn't necessarily a simple decision. Budget and space most often dictate the direction, but keeping function and your lifestyle needs in mind can help create a space that makes for an all-around smart investment.

Add technology in unexpected places. With the surge in smart devices, it's becoming increasingly common to add technology throughout the house, and the bathroom is no exception. From heated floors to mirrors with embedded TV screens, the options are plentiful. A bathroom outfitted with the latest technology can bring function and a whole new level of style and elegance to your home.

Go green for the Earth and savings. Appliances and climate control systems are often the first features homeowners consider when it comes to environmentally-friendly upgrades, but windows and window treatments are another way to make a big impact. In a similar vein, skylights are a surprisingly affordable upgrade for the functionality and aesthetic benefits they provide, especially in the bathroom and kitchen where ventilation is as important as ample lighting. You can give your lighting and home value a boost with an ENERGY STAR®-qualified option, such as Velux solar-powered fresh-air skylights, which open for air flow, reducing dependence on electrical lights and fans, with the touch of a programmable remote control.

For expanded control over the amount of light and warmth that enters or leaves your rooms, solar-powered skylight blinds are available in more than 100 designer colors and patterns. Like the skylights, Velux solar-powered blinds are operated with the remote. The solar products and installation costs are also eligible for a 30-percent federal tax credit.

Finish the basement. Adding finished square footage to your home is nearly always a way to increase its value. For many homes, the basement is the most practical place to gain that space. Instead of using it as a collection ground for dust bunnies and storage, converting it into usable space can bring meaningful value, not only in dollars and cents, but in overall enjoyment of your home.

When making plans for finishing a basement, keep function first. Adding features like bathrooms can be costly, but having ready access to those facilities may pay off if you plan to spend lots of time downstairs. Also keep climate in mind; in parts of the country basements tend to be damp, so use materials that can withstand the conditions.

Create outdoor living space for all year long. If a basement renovation isn't practical, you may be able to create additional living space in an area you already have: outdoors. Even small patio spaces can become cozy gathering spots with the right furnishings and decor. For a larger yard, create destinations that make it comfy to congregate, such as a fire pit or grouping of chairs with overstuffed cushions.

This is another area where climate will play an important role in your plans: adding an enclosure to a patio can make it usable during all but the coldest months, while a pergola can lend necessary relief to an area that bakes in the sun.

Add curb appeal. While you're considering the upgrade options outdoors, don't forget to think about your home's exterior appearance. Reworking landscaping to highlight architectural features and freshening up paint can make a big impact. Adding decorative elements like shutters or new lighting or doors can also update a tired exterior.

Source: Velux

Published with permission from RISMedia.


Tags:

Cyber Safety Tips for Your Smartphone

October 6, 2017 1:33 am

In the modern, digital age, 95 percent of Americans own a cell phone, with 77 percent using a smartphone. While smartphones are excellent tools for communication and knowledge, if used improperly, they can put their owners at a serious risk of security breach.

With that in mind, the Illinois Bankers Association offers some key actions users can take to help minimize the likelihood of becoming a victim.

Regularly update your device and mobile apps. Incidents of mobile malware and mobile ransomware are increasing. Updated operating systems and security software are critical in protecting against emerging threats.
Enable encryption. Enabling encryption on your smartphone is one of the best ways to safeguard information stored on the device, thwarting unauthorized access.

Use a strong, unique passcode. In case your phone ever does fall into the wrong hands, don't make it easy for someone to access all your important information! Enable strong password protection on your device and include a timeout requiring authentication after a period of inactivity. Secure the smartphone with a unique password, and do not share it with others. Avoid storing sensitive information like passwords or Social Security numbers on your mobile device.

Take advantage of multi-factor authentication. Many sites offer a second step of logging in by either sending a text message to your registered phone or by generating a code on an "Authenticator" application. Take advantage of this added security.

Do not use public Wi-Fi. Do not log into accounts or conduct any sensitive transactions, such as shopping or banking, while using public Wi-Fi.

Log out completely. When you finish a purchase or mobile banking session, be sure to completely log out of the transaction or retail site.

Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don't know. Note that your bank will never send a text or email requesting your password or other personal information. Be wary of ads (not from your security provider) claiming that your device is infected.

Install applications from trusted sources. When downloading apps, be proactive and make sure that you read the privacy statement, review permissions, check the app reviews and look online to see if any security company has identified the app as malicious.

Install a phone locator/remote erase app. Misplacing your device doesn't have to be a catastrophe if it has a locater app. Many such apps allow you to log on to another computer and see on a map exactly where the device is. Remote erase apps allow you to remotely wipe data from your device, helping minimize unauthorized access to your information in the event you cannot locate the device.

Disable unwanted services when not in use. Bluetooth and Near Field Capabilities (NFC) can provide an easy way for an unauthorized user nearby to gain access to your data. Turn these features off when they are not required.

Carefully dispose of mobile devices. With constant changes in the smartphone market, many users frequently upgrade to new devices. Make sure you wipe the information from your smartphone before disposal. For information on how to do this, check the website of your mobile provider or the manufacturer.

Report any suspected fraud to your bank immediately. Additionally, tell your financial institution if you change your phone number or lose your mobile device.

Source: Illinois Bankers Association

Published with permission from RISMedia.


Tags: