RE/MAX 440
Sandy Hershey

Sandy Hershey
4092 Skippack Pike, P.O. Box 880  Skippack  PA 19474
Phone:  610-909-2929
Office:  610-584-1160
Fax:  267-354-6987

My Blog

7 Ways to Cut Costs Without Cramping Your Lifestyle

May 1, 2017 12:45 am

Yes, you can slash your monthly expenses by cutting out that Starbucks stop every morning – or by cooking in more and eating out less. But, says Sharon Lechter, a contributor to the American Institute of CPA’s book, “Save Wisely, Spend Happily,” there are plenty of other ways to cut costs without making painful sacrifices.

Put it on paper. Write down every dollar you spend in a month, whether it’s paying a bill, paying for lunch, or buying a new pair of shoes. When you can see exactly where your money is going, you can pinpoint areas that can be cut down or cut out.

Shop from a list. Impulse buying gets expensive, so work out your meal plan for the week according to what’s on sale and shop for groceries from a list. (You may also save on gas by making fewer trips to the store.)

Pack your lunch. You can make it more fun by lunch-pooling with a few colleagues at work, taking turns to provide the main course for all.

Cancel your email sales alerts. When opening an email alert tempts you to spend money on something you hadn’t planned to buy, it’s time to cancel the alert.

Shop second-hand. Get out of the mindset that everything you buy has to be new. Shop Craigslist, e-Bay and local thrift stores for great buys on used kitchen gear, furniture, and more – including near-new or gently used clothing.

Ask for rate reductions. If you have a decent payment record, asking for a lower rate is often all it takes to get a lower rate on credit card interest, service subscriptions and memberships.

Save before you spend. Skim five or 10 percent off the top of every paycheck and bank it before you pay any bills or make any purchases. It will be there if you absolutely need if before your next check – or make it the basis for your savings.

Published with permission from RISMedia.


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5 Ways to Sneak in Healthier Habits

May 1, 2017 12:45 am

At this point, many of us know the dangers of sedentary lifestyles. From obesity to heart disease and depression, those of us with a 9-to-5 desk job need to make a special effort to stand more and sit less. The great news is you don’t need to bust out a standing or walking desk (although you should if they interest you!).
Studies show that as little as seven minutes of moderate physical activity a day can help battle the desk doldrums.

Dr. Adrienne Youdim, MD FACP, Associate Clinical Professor of Medicine at the UCLA David Geffen School of Medicine Cedars Sinai Medical Center, offers simple tips to incorporate healthier habits into your day, courtesy of MerckManuals.com.

1. Use your job as a gym

You don't need an expensive gym membership to get moving – simply create small breaks in your day. Set a timer on your phone to get up and move around every hour. Walk up and down a few flights of stairs or take a loop around the parking lot.

Many employers have realized the benefits of a healthy workplace. Research shows active employees are more productive and have lower long-term health care costs. Some companies are now investing in standing desks and small cycles that fit under employee's desks. If your company offers this kind of equipment, taking advantage of it is a no-brainer.

2. Wake up 10 minutes earlier

If you can't find time for an hour-long workout in your daily routine, create the time by setting your alarm just ten minutes earlier. Give yourself a few minutes of physical activity before your day gets crazy.

But don't overlook the importance of sleep. Research points to a close connection between sleep deprivation and obesity and diabetes. Make sure you're getting at least six hours of sleep (many people need more than that). If you're getting up earlier to exercise, hit the pillow a few minutes earlier, too.

3. Pack a lunch

If you do one thing to improve your daily health, make it this: pack a lunch. The average restaurant meal contains two-thirds of your daily calorie requirements. Even a salad can be spoiled by high-calorie dressings. Packing a lunch is an easy way to control your calorie intake.

While you're at it, use the time you would have spent picking up takeout to go on a 15-minute walk at lunch. One short walk and five-minute breaks every hour add up to almost an hour of additional activity a day.

4. Find your best motivation

Most of us are exhausted by the end of the work day. Even if we have the best intentions to exercise when we get home, it's easy to lose motivation the second we walk through the door.

The key is to find things that motivate you. If there's a TV show you can't wait to watch, commit to only watching it while running on the treadmill or elliptical. Keep a log of how you feel after every workout, so you'll remember how rejuvenated you feel after some physical activity. If you feed off others' energy, join a group fitness class.

5. Explore an active hobby

Being active doesn't have to mean doing jumping jacks or logging hours on an exercise bike. Spending time doing something active you love, such as dancing, gardening, fishing, rock climbing or bowling, can provide tremendous health benefits – and you'll be more likely to stick with it. Once you get started, you'll start forming habits that make it easier and easier to find the time and willpower every day.

Source: The Merck Manuals

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Riding in Cars with Kids: Car Seat Safety

May 1, 2017 12:45 am

Driving has a myriad of distractions, from traffic to pedestrians, what’s playing on your radio, and the to-do list running through your mind. But when you have kids in the back, the distractions multiply, and safety becomes priority. Luckily, car seat safety need not be a worry, so long as you do a bit of legwork.

"Studies from AAA have shown that nearly three out of four car seats are installed incorrectly," says Chuck Shotmeyer, Chairman of AAA North Jersey's Board of Directors.  "Taking the time to properly install child safety seats can save a life and drastically reduce injury."

"The national AAA's Safety Seats 4 Kids initiative found that car seats reduce the risk of injury by 78 percent to 82 percent and reduce the risk of death by 28 percent," says David Hughes, President of AAA North Jersey. "These statistics underscore the need for parents to understand how car safety seats work and the best way to utilize these important safety devices in their vehicles."

Hughes and Shotmeyer offered these safety tips for using child safety seats effectively:

Do your homework. It is important for parents to purchase a car seat for the right age group. Make sure the child safety seat fits the size of the child and meets national transportation standards.

Install the seat correctly. Read and understand the car seat instruction manual carefully. Additionally, parents should check the integrity of the seat and clear loose objects that might hinder or harm the child.

Understand your vehicle's design. Parents should understand their vehicle's safety features. Knowing how to enable child locks and the location of airbags in the vehicle will helps drivers place the child seat in the safest spot.

Source: AAA  

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9 Quick Tips for a Summer-Ready Slimdown

April 27, 2017 2:33 am

With spring in the air almost everywhere, swimsuit season can’t be far away. It’s time to get off the couch, get moving again, and get rid of those wintertime bulges.

Fitness gurus offer nine foolproof tips for melting away those extra pounds before summer is officially here:

Drink lots of water. No matter how much water you already drink, up the ounces and up them again. The extra water will flush out the bloat, keep you feeling full longer, and add a new glow on your skin.

Avoid alcohol. Alcoholic beverages are more than calorie bombs. They actually stimulate your appetite.

Skip soda. Sodas, even the diet kind, contain sodium, which contributes to bloat. Skip them in favor of iced tea or coffee, or guess what? Water!

Add some green tea. Green tea is rich in antioxidants, which is said to promote weight loss by increasing metabolism. It relaxes, too. Try for three cups a day.

Try a one-day cleanse. Kick start your weight loss routine with a juice cleanse followed for 24 hours of fresh fruits and veggies – and water.

Fight belly fat with the right foods. Fruits and vegetables that contain lots of water are your best snack choices. Try melons, tomatoes, kiwi fruit, pineapple and grapes.

Plan meals and make a grocery run. Planning ahead for three meals and two snacks daily will keep you on track and away from unhealthy temptations. Stick to healthy carbs like whole grains, lean proteins, and plenty of produce. Dinner leftovers can make great lunches.

Try a new workout. For maximum effect, skip the spot-toning exercises like sit-ups in favor of running or fat-blasting cardio routines.

Eat out smartly. Choose your restaurant with care and stick to salads and grilled proteins. Skip the sauces, dressings, and carbs.

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How to Prepare Your Home for Spring

April 27, 2017 2:33 am

Spring comes with showers, flowers, and...home preparation? To lengthen the life of many of your home’s features, giving them a spring update is necessary. Gilmore Heating, Air, Solar offers valuable tips to homeowners to inspect and repair winter storm damage and prepare their homes for the hotter months.

1. Check Indoor Air Quality

- Inspect and replace A/C air filters. A clean filter will ensure cleaner, fresher and healthier air in your home. Also, a clogged air filter allows less air to flow through your system, forcing it to work harder. This can cause extensive damage to your system and increase costs due to higher energy bills and costly repairs.

- Make sure the A/C registers and ductwork are clear. For homes with pets or children, it's very common for all sorts of items to end up lodged in ductwork.

- Inspect ductwork and vents for signs of mold growth.

2. Conduct Simple Air Conditioner Maintenance

- Examine your heating and cooling unit for strange noises, condensation leaks and indoor temperatures that do not match thermostat readings. These are all signs that your air conditioning unit needs repair.

- Request a seasonal system tune-up and cleaning to make sure your system works efficiently.

3. Insulate and Waterproof Your Home

- Check the insulation of your walls, attic, crawl spaces, basement, garage and ceiling. Also, visually inspect your roof for shingle lift. Poor insulation can be the cause of increased energy bills due to heat loss during winter and heat absorption during summer.

- Inspect your gutters. Remove any debris that could prevent your gutters from draining properly. Check that all the downspouts extend away from the home to prevent water from pooling close to your home.  

- Check the faucets inside the house for any leaks and seepage. Catching a water leak at an early stage will prevent costly damage to your home.

Source: Gilmore Heating, Air, Solar

Published with permission from RISMedia.


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Relocating? Here’s How to Feel at Home Faster

April 26, 2017 2:33 am

Moving to a new city, whether it’s 30 or 3,000 miles away from your last one, can be stressful to say the least – perhaps even more so after you’ve dealt with the last of the packing boxes, because now it’s time to get to know your new community and begin to feel comfortable within it.

Relocation professionals offer practical tips to help you feel more at home faster:

Get connected. If they haven’t already done so, don’t wait for the neighbors to ring your doorbell. Knock on the doors of the neighbors to your left and your right to introduce yourself. Even if they don’t become friends, they can be a good source of city information as well as referrals for reliable window washers, babysitters, medical professionals and other service providers.

Walk or drive around town. Walking your neighborhood is the best way to pinpoint local stores, schools, libraries and more – and driving will widen your familiarity with the city and acquaint you with alternative driving routes.

Don’t hesitate to say you are new in town. Wherever you happen to be, from the dry cleaners to the kids’ new gymnastics school, let people know you are new in town.  You may be surprised to find how much good information they will want to share with you about their favorites in the place they call home.

Use social media. Get online to browse upcoming local events as well as trending restaurants, museums and other local attractions.

Find clubs, schools or shops of interest. Look online for appealing local activities for everyone in the family: Toastmasters, quilting shops, book clubs, photography classes or sports leagues. They can be your best source for meeting new people who share your interests.

Say yes to invitations. Agree to join colleagues for a drink after work or a neighbor’s invitation to a fund-raiser. The more people you meet as a newcomer, the more likely you will be to develop friendships.

Update your registrations. Finally, don’t forget to register your car with the DMV, apply for any necessary licenses, and re-register to vote. Identifying with your new location will help make you feel more connected.

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Americans Find Moving More Stressful Than Weddings

April 26, 2017 2:33 am

After the excitement of finding a new home comes the stressful task of moving into it. Despite its stressors, moving is inevitable; The U.S. Census Bureau projects 40 million Americans will add another home to their list this year, with 65 percent moving between Memorial Day and Labor Day.   

According to a new survey released by SpareFoot.com, Americans have moved an average of six times throughout their lives.

Below are the top findings from SpareFoot.com’s study on the emotional side of moving:

More stressful than a wedding. Surprisingly, 58 percent feel moving is a bigger challenge than wedding planning!

Argument starter. Stress often leads to arguments, so it makes sense that 31 percent of Americans who have moved in with a partner– including 46 percent of Millennials – have had some of their worst arguments while moving.

A time for parents to be selfless. Prior to a move, 69 percent of American parents claim they prioritize their child's needs over their significant other's needs.

It takes longer with kids. Like with most things you do with your children, the actual process of moving with children can take up to eight days longer, on average.

Finder’s keepers. Wading through sentimental items may make your move take longer. The study found that 81 percent of parents admit they have kept a child's possession, even when given permission to get rid of it.

Source: SpareFoot.com

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How to Network Smarter

April 26, 2017 2:33 am

(Family Features)--Business is built on relationships. For many entrepreneurs whose small businesses are thriving, successful networking is one of the most common threads.

Making connections and building relationships are among the most beneficial aspects of networking with other small businesses, according to more than half of the respondents in a survey by The UPS Store. This is especially true among younger business owners, who are more likely than their older counterparts to take advantage of networking opportunities with fellow small business owners.

Not only do they crave these connections, 61 percent of small business owners say they want to establish in-person relationships. Attending networking and meetup events is a great way for entrepreneurs to form new relationships, share experiences and celebrate their hard work. In honor of National Small Business Week, The UPS Store will offer several networking events to facilitate small business connections. The following tips can help small business owners make the most of networking events.

Practice your elevator pitch. When introducing yourself, be prepared to give a brief explanation of your business, boiled down to a couple of sentences. Be sure to include your business name, the solution you provide and anything that makes you unique. The key is to deliver enough context that others can engage in meaningful conversation, while keeping it succinct enough that you have plenty of time to listen. If you think your elevator pitch is perfected, submit a 90-second video describing the business or idea to enter The UPS Store national Pitch Off contest at theupsstore.com/pitchoff for a chance to win $10,000.

Be prepared to participate. Successful networking is as much about giving as it is receiving. Ask open-ended questions and be prepared to listen to what others are saying. Actively participating not only leads to more productive conversations, it helps build stronger relationships.

Embrace the competition. It may feel counterintuitive to forge a relationship with a direct competitor, but there's some obvious benefit to trading notes with someone who is operating in your market from a similar vantage point. Remember, while neither of you is going to give up proprietary information, a respectful dialogue may get your wheels turning to think about solving a problem in a new way.

Represent your brand well. A networking event is intended to be social, but it shouldn't be treated casually. You are every bit the face of your business in this setting as you are within your business walls. Dress the part and present yourself as you would to potential customers. Make sure you have updated business cards, as 75 percent of survey respondents said they are the most common marketing tool used to promote their business, and any other printed materials such as brochures or fliers that showcase your business.

Retain your newfound knowledge. After meeting a handful (or more) of new people, all the faces and names can run together. When you get back to your desk, take some time to make notes on everyone you met. Include pertinent contact information and details of your conversation, areas where the connection may be fruitful in the future and any immediate follow-up.

Source: theupsstore.com/smallbizsalute.

Published with permission from RISMedia.


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Weird and Wacky Scholarships You May Not Know About

April 25, 2017 4:33 am

College admission season is in full swing, but many high school seniors are as concerned about where their tuition money will come from as they are about which schools will send them acceptance letters.

While scholarships are typically offered for scholastic and/or athletic achievement, there are plenty of oddball scholarships available to students with a variety of unique interests and talents.

Recent research turned up these options for openers:

Duct Tape designers – The Henkal Corporation’s Duct Brand Duct Tape’s “Stuck at Prom” competition offers 10 awards of up to $10,000 to individuals or couples who create prom outfits completely made of duct tape. To enter, send a photo of your creations to your personal Instagram or Twitter account along with hashtags #DuctTapePromposal and #Sweepstakes.

Duck Calling – The Chip and Sophie Major Memorial Duck Calling Contest offers four $2,000 scholarships to the best high school senior duck callers, who have 90 seconds to demonstrate hail, feed, comeback and mating calls. Find out more at StuttgartArkansas.com.

Parapsychology – Undergraduate or graduate students enrolled in parapsychology programs such as telepathy, reincarnation, or near-death experiences can apply for a $3,000 grant from the Eileen J. Garrett Foundation. Details at parapsychology.org.

Golf caddies – The Chick Evans Caddie Scholarship offers renewable full tuition and housing scholarships to qualified golf caddies. Information is available online from the Western Golf Association.

Knitting enthusiasts – The National Make It Yourself With Wool organization awards two $1,000 or $2,000 scholarships to knitters who create killer knitted garments. Get the details at Makeitwithwool.com.

Trekkies – Yep, the Klingon Language Institute and the Starfleet Academy organizations offer several scholarships, including the Gene Roddenberry Memorial Scholarship for Young Writers. You don’t even need to speak Klingon. Look up the details at kli.org and acad.sfi.org.

Candy lovers – How about a $5,000 scholarship for students interested in confectionary technology who will major in food science or a related area? Find out more from the American Association of Candy Technologists at aactcandy.org.

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How to Save Your Home From Lightning Damage

April 25, 2017 4:33 am

Tornadoes, hurricanes, floods - oh my! When it comes to protecting your home, there is a laundry list of natural disasters you need to be aware of. However, one lesser known issue for many is lightning damage.

To help a homeowner out, Southern Trust Home Services offers the following tips to prevent damage and limit the effects of lightning storms:

Protect your electronics with a whole-home surge protector. With thousands of dollars' worth of electrical appliances and electronics in your home, surge protectors offer a low-cost way to easily safeguard your investment. Not all surge protection systems are created equal, though. The most effective protection is through a whole-home system attached to your electrical panel. For a one-time investment, you get a system that protects small electronics and big ticket items like HVAC systems, refrigerators and medical equipment.  

Use point-of-use surge protectors. If you do not have a whole home-surge protector, plug all of your electronics into point-of-use surge protectors. Look for the UL label, or similar independent testing laboratory seal, when purchasing a point-of-use surge protector.  

Check your homeowners or renters insurance coverage. Even if you take all the precautionary steps, you will want to make sure your homeowners or renters insurance plan covers damage caused by lightning. Not all insurance plans are the same, so make sure yours will cover damage done to your home and electronics.

Source: www.southerntrusthomeservices.com.

Published with permission from RISMedia.


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