RE/MAX 440
Peter Patkos
1110 North Broad Street
Lansdale  PA 19446
 Phone: 215-327-7491
Office Phone: 215-362-2260
Fax: 267-354-6879 
peterpatkos@remax440.com
Peter Patkos

My Blog

Cut Crime and Save Money with a Home Security System

January 15, 2013 4:08 am

Some of the nation's insurance companies are encouraging homeowners to install monitored security systems by offering them substantial discounts on homeowner's insurance.

"A survey of the 10 largest insurance companies offering homeowners coverage found premium discounts up to 20 percent if a home is equipped with a monitored alarm system," said Dom D'Ascoli, president of the Electronic Security Association. "The discounts can be substantial enough to pay a portion of the monitoring costs or installation of the system."

The majority of insurance companies offer some sort of discount for alarm systems. Homeowners should check with their individual carrier to determine the amount and availability of the discounts.
According to a study by Dr. Simon Hakim of Temple University, "An alarmed single family home is more than 60 percent less likely to be burgled than a similar home without an alarm."

A comprehensive two year study in Newark, New Jersey by Rutgers University School of Criminal Justice, demonstrates why insurance companies are offering the discounts. The team of Rutgers researchers used sophisticated in-depth research techniques to eliminate the variables that impact crime rates and to focus solely on the impact alarm systems have on residential burglaries.

"Thanks to modern technology alarm systems are more affordable, versatile and dependable than ever before," said D'Ascoli. "The Rutgers study showed that these technical innovations have increased the availability of home security systems to middle class homeowners and helped reduce crime."

In addition to discouraging burglars, modern alarm systems also reduce the damage caused by fires. Fire and lightning claims are almost 10 times higher than claims for burglaries and thefts according to statistics from the Insurance Information Institute. "The alarm's ability to notify the fire department whether or not anyone is at home or able to call for help is vital in reducing the cost of these claims and protecting building occupants," said D'Ascoli.

Source: www.ESAweb.org

Published with permission from RISMedia.

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National Poll Shows Americans Are Against Credit Card/Debit Card Online Lottery

January 15, 2013 4:08 am

Americans are overwhelmingly against allowing the use of credit cards, direct electronic transfers from bank accounts or debit/ATM cards to buy online lottery tickets according to a national poll sponsored by the Retail Industry Leaders Association.

Seventy-eight percent of respondents said they were opposed to Internet lottery in a national survey of registered, proven voters in the 43 states and the District of Columbia that have a lottery. The survey indicates American voters believe that Internet lottery will make it easier for underage children to gamble, drain their family's bank account and rack up credit card debt on their parents' cards, which made them less likely to support lawmakers who advocate for Internet lottery.

"American voters believe that allowing people to use their credit cards, direct electronic transfers from their bank account or debit/ATM cards to buy online lottery tickets is a bad idea. The research shows that while most people think the lottery is a good thing, allowing the purchase of tickets in this manner will make it too easy for people to gamble away money they need for necessities like food and medicine, and too easy for underage children to play the lottery," says Brian Dodge, senior vice president for communications and state affairs for RILA.

Poll results show:

-82 percent of respondents think there is enough access to lottery without expanding it to the Internet.
Voters worry that Internet lottery will make it easier for underage children to play the lottery; in fact 84 percent of respondents said they would be less likely to support Internet lottery and the lawmakers who advocate for it because of that fact.

-Voters also fear that Internet lottery will increase the number of compulsive gamblers, and 79 percent said they would be less likely to support Internet lottery and the lawmakers who advocate for it because of that fact.

-80 percent of respondents oppose allowing people to use their credit cards to play the lottery online.
70 percent doubt that requiring lottery players to provide their Social Security number and birth date when registering to play Internet lottery will successfully prevent underage children from accessing the lottery online.

The issue of Internet lottery is a relatively new topic for many Americans as selling tickets online to local residents was only made legally possible in December 2011. Illinois and Georgia started selling lottery tickets online last year and Delaware has recently authorized its state lottery to offer online gaming. Several state lottery commissions including those in New York, Massachusetts and New Jersey are considering expanding their lottery systems to allow people to use credit cards, direct electronic transfers from bank accounts or debit/ATM cards to buy Internet lottery tickets as they look for a solution to balance their budgets. But according to the survey, many believe that the social costs of using Internet lottery to balance the budget would far outweigh the benefits.

Source: Retail Industry Leaders Association

Published with permission from RISMedia.

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Kitchen Cleaning - Organize Your Approach

January 15, 2013 4:08 am

(Family Features) Maintaining a clean kitchen is important. However, there are often cleaning tasks that get put on hold because they require a great deal of time and effort. According to the Scrubbing Bubbles Dirty Work Index survey, men and women agree the kitchen is the most difficult room to clean after the bathroom. Luckily, following a few simple steps and using all-purpose kitchen cleaners make tackling tough kitchen messes easier — ensuring that your home is not only clean but also healthy.

Oven
If your oven boasts a self-cleaning mode, go ahead and turn it on. For the stovetop and exterior of the oven, spray a grease-cutting cleaner to cover the surfaces, exterior walls and oven door. Allow the cleaner to go to work penetrating and lifting grime while you move on to the microwave. Use damp sponges or paper towels to remove the cleaner when the grease and grime have dissolved.

Microwave
To loosen grease and food spatters, boil a cup of water with a few lemon slices in the microwave for one minute, which will help to soften dried food particles to make cleanup easier. Then, use a foaming all-purpose cleaner and a damp sponge to easily wipe away residue and grease and leave a fresh scent behind.

Dishwasher
Use a toothbrush and warm, soapy water to clean around the rubber seal on the door of your dishwasher. Use a scrubbing brush or sponge to wipe away dirt and grime on the inside of the door, as well as the walls. Wipe away debris around the drain that could cause later clogging. Run your empty dishwasher on the hottest cycle to help further remove buildup.

Fridge
Because the refrigerator houses perishable foods, it’s crucial to your family’s health to keep it well-maintained and sanitary. Cleaning the refrigerator requires more work than just pitching old food. To ensure your fridge is thoroughly cleaned, turn the dial control to “0” and remove and discard old food items before removing shelves and drawers, then wipe them down using mild soap and water. Next, use a toothpick and toothbrush to clean corners, hinges and the rubber gasket. Finally, sanitize the drop pan with an antibacterial all-purpose cleaner. Cleaning the drop pan weekly will help reduce spilled food odors. After these steps are complete, return the dial control to the original temperature setting.

Source: Scrubbing Bubbles

Published with permission from RISMedia.

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Eerily Early Flu Season Has Arrived With a Vengeance

January 14, 2013 4:08 am

Halloween may have brought us witches and goblins, but it also brought us a glimpse of scary things to come. As flu cases started trickling through in late October, instead of post-New Year, we couldn't have foreseen the current levels we are now witnessing. Instead of the start of season rolling through right now, we are at levels which usually aren't seen until mid-March, and that spells trouble.

Centers for Disease Control (CDC) officials are reporting this to be the earliest and deadliest start to the flu virus season in over a decade. They also report the rise in states recording flu activity to have gone up an alarming 25 percent since Christmas Eve to include 41 states with 18 child fatalities. And with this season’s departure not coming anytime soon, those numbers are sure to rise significantly. CDC estimates 200,000 people are hospitalized each year due to influenza infection and anywhere between 3,000 and 49,000 will die. If these numbers scare you, and you dread the crippling effects of the flu as much as most do, you should take every precaution available to avoid it.

New studies have shed light on the not so great news that influenza vaccines don't do as well as initially thought, however they still provide considerable protection. With over 300 rampant strands of influenza out there, scientists must guess on which combination of flu killers will work best in the upcoming season. Obviously our vaccine system needs improvement, but it's still the safest bet to get your flu shot.

Although numbers vary year to year, on average, the vaccine is 59 percent protective in adults 18-65, and nasal vaccines are 83 percent protective in children. Unfortunately, the effectiveness is at its worst for the group with the greatest severe infection risk – the elderly. The CDC stresses that the most precaution should be concentrated on the highest, most susceptible, risk groups: children, pregnant females, and the elderly.

Spreading it Forward
In states with high influenza rates, 70-80 percent of the coughs or sneezes we hear around us stem from the flu. Consequently, the virus travels thru the air onto banisters, computer keyboards, door handles, menus at the diner, and potentially breathed into our lungs. The flu virus can survive up to eight hours on hard surfaces such as metal or plastic – once touched it will likely spread to your nose and mouth. On average, we touch our faces 18 times an hour, thereby providing the virus a clear path to our lungs. Spots to fear at work? How about your water bottle, those elevator buttons, the coffee machine or the dreaded copier, which may all be coated with influenza germs.

The CDC strongly recommends keeping your hands clean after touching foreign objects especially during flu season. While hand washing with soap and water for 30 seconds is preferred, we know that option is not always practical, or available. The CDC also recommends the supplementary use of hand sanitizers and antimicrobial cleansers to ward off these deadly germs when washing with soap and water is not available.

Source: Purasol Laboratories LLC

Published with permission from RISMedia.

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Preparing for Winter Driving

January 14, 2013 4:08 am

Hazardous conditions like snow-covered roads and black ice often make winter driving unpredictable. To help prepare and keep motorists safe on winter roads, experts encourage drivers to not only install winter tires, but also use the changing seasons as a reminder to engage in routine tire maintenance. Preparing early for winter weather and anticipating and avoiding dangerous circumstances can help drivers maintain control and stay safe on the road.

"Drivers should consider replacing their all-season tires with a product made specifically for winter road conditions," says Chuck Yurkovich, vice president of global technology for Cooper Tire. "The key is to have those discussions with a trusted dealer before the first storm hits. Even if an area does not typically receive harsh winter weather, it's important to conduct routine tire maintenance checks as the seasons change."

In addition to properly equipping vehicles with winter tires, drivers are advised to follow basic winter driving and tire maintenance tips:

Drive cautiously: Experts say the best advice for driving in harsh winter weather is to not drive at all, but according to the U.S. Department of Transportation, driving – even in ice or snow – is an everyday part of life for the owners of more than 250 million vehicles on the road in the U.S.

• Double the anticipated stopping distance when braking anytime conditions are not dry. It will take longer to come to a stop in snowy or icy conditions.
• Do not assume a four-wheel drive vehicle will stop faster than a two-wheel drive vehicle – four-wheel drive offers no braking advantage.
• Always reduce speed during winter conditions.
• When purchasing winter tires, replace all four tires. Due to the different grip capabilities of summer, all-season and winter tires, the driver will not get all of the handling and traction benefits if all tires are not replaced.
• Drivers should keep in mind that it is best to check their owner's manual to see how their vehicle should be serviced in cold weather.

Examine tread: The only part of a vehicle to touch the road is the tires, and tire tread is a vital part of handling, cornering, accelerating and braking.

• For winter weather driving, a general rule is the more tread depth, the better. A tire's minimum tread depth should be more than 2/32 of an inch deep all around the tire. Drivers can check tread depth by using a U.S. penny. Insert the edge of the coin into the tread with Lincoln going in headfirst. If the top of Lincoln's head is covered by tread that means there is at least a minimum acceptable amount of tread; if the top of his head is visible at any location on the tire, the tire is worn out and it's time to replace it. For winter driving in adverse conditions, your tires should exceed the minimum tread depth standard.
• While examining the tread, also look for signs of uneven wear or damage such as cuts, cracks, splits, punctures and bulges. These conditions shorten the life of tires and, if not corrected, further tire damage, tire failure or air loss may occur.

Test air pressure: Tire pressure plays a critical role in the overall performance of tires. Under inflation creates excessive stress on the tire, while over inflation can cause uneven wear in addition to handling and braking issues.

• Tire pressure decreases by about one pound per square inch for every 10-degree drop in outside air temperature, so it is vital that drivers check the air pressure regularly as winter weather approaches.
• Drivers should follow the guidelines found in the vehicle owner's manual or tire placard (or sticker) attached to the vehicle door edge to determine the correct air pressure for their vehicle's tires. A common myth is that the tire pressure listed on the sidewall is the optimal pressure, while in reality it is the maximum pressure.
• Air pressure should be checked when the tires are cool, meaning they are not hot from driving even a mile.
• Should any of these checks reveal the need for required maintenance – or when in doubt about the condition of their tires – drivers should take vehicles to a tire dealer for a professional inspection.

Source: Cooper Tire

Published with permission from RISMedia.

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Facebook Beta-Testing Timeline Changes

January 14, 2013 4:08 am

By Nick Caruso

Over a year ago, Facebook introduced Timeline, a chronological way to re-vamp the Wall and organize your content and posts. But heads up, Facebook users: the company is already beta-testing changes to Timeline in New Zealand and parts of Europe and these changes may come our way soon. What can you expect? Here's a first look:

• The boxes below your cover image will be replaced with a more functional tabbed design. This includes the sections for Friends, Photos, Map, Likes, Notes, etc. Say goodbye to those clunky boxes and hello to a sleeker display.

• Your "subscribers" will now be called your "followers." Making it similar to Twitter, this simply shakes up the semantics of the "subscriber" notion. Your "Friends" will remain so, and no changes to Friends are due at this time.

• Posts will now show in a single wide-column display on the left as opposed to two split-screen columns.

• Names will now be displayed over the bottom of cover photos, and basic info will be located on the right side of the profile photo instead of below.

• Facebook is adding a new collections manager, which allows users to reorder collections so they can put maps, friends, etc., wherever they want them. This allows for more customization and control amongst pages.

For the time being, these changes will only take affect on personal Facebook profiles, but Facebook will most likely make these same changes to brand pages as well.

Source: Chicago Tribune

Published with permission from RISMedia.

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Note to Renters: Insure Your Belongings!

January 11, 2013 4:06 am

By John Voket

I need a bunch of you – specifically you renters – to take a moment and consider an important piece of advice about your stuff. If you love it, then make an extra effort to protect it.

Did you know the majority of homeowners buy insurance, but just one in three college-aged renters insures their belongings? Even more shocking: at least half of all renters fail to buy any insurance protection for their possessions.

Way too many consumers are under the mistaken impression that their landlord’s policy will cover their losses, according to the Connecticut Better Business Bureau. BBB says renter’s insurance generally covers property damage or loss caused by theft, fire, vandalism or storms. In addition, most policies include liability coverage, which protects a tenant if someone gets hurt when visiting their home or apartment.

The cost of renter’s insurance is usually lower than homeowner’s insurance because it covers only personal property and liability, not the structure. The amount of the deductible can also affect the cost of premiums.

Two types of renter’s insurance coverage are available:

-Actual cash value insurance pays to replace items up to the policy’s limits, minus a deduction for depreciation.
-Replacement cost insurance pays the actual cost of replacing your possessions, regardless of depreciation, up to the limits on the policy.

Consider the value of possessions versus the cost of insurance - even a college student can have property worth several thousand dollars, such as computers, televisions, furniture, jewelry or small appliances.

When seeking a renter’s insurance quote:

-Determine if you have specific items of high value, you also may need a rider to cover those items.

-Ask what deductibles apply to the policy.

-Find out whether the policy will cover living costs if you are unable to occupy your current apartment or home.

-Inquire about exclusions, such as types of property that would not be covered.

-Ask the insurer if they give discounts for burglar alarms, fire extinguishers, sprinkler systems or deadbolts on exterior doors.

-If you are switching insurers, be sure that the new policy is in effect before dropping the old one.

As with any insurance product, BBB advises consumers to get estimates from several companies before buying a policy.

Source: www.bbb.org

Published with permission from RISMedia.

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Shovel Safe This Season

January 11, 2013 4:06 am

With winter snowfall looming in some parts of the country, area residents will need to clear out their driveways and sidewalks. While shoveling can be a great winter workout, the American Heart Association warns that for most people, shoveling snow may not lead to health problems, however, the risk of a heart attack during snow shoveling increases for others.

"One of the reasons heart attacks can occur during snow shoveling is the combination of colder temperatures and physical exertion which increases the workload on the heart," says Vishal Gupta, MD, MPH, Borgess Cardiology Group, of the Borgess Heart Institute, Borgess Medical Center. "As a result, too much strain on the heart during these conditions can cause a heart attack."

To help make snow removal safer, consider the following tips.

-Consult a doctor. If you have a medical condition or don't exercise on a regular basis, schedule a meeting with your doctor prior to the first anticipated snowfall.
-Take frequent breaks during shoveling so you don't overstress your heart.
-Don't eat a heavy meal prior or soon after shoveling since it can place an extra load on your heart.
-Don't drink alcoholic beverages before or immediately after shoveling. Alcohol may increase a person's sensation of warmth and may cause them to underestimate the extra strain their body is under in the cold.
-Be aware of the dangers of hypothermia. Heart failure causes most deaths in hypothermia. Wear a hat and dress in layers of warm clothing, which traps air between layers forming a protective insulation.
-Use a small shovel or consider a snow thrower. Lifting heavy snow can raise blood pressure acutely. It is safer to lift smaller amounts more times, than to lug a few huge shovelfuls of snow. When possible, simply push the snow.
-Listen to your body. If you feel the warning signs for heart attack, stop what you're doing immediately and call 9-1-1.

The warning signs of a heart attack include:
-Uncomfortable pressure, fullness, squeezing or pain in the center of the chest that lasts for more than a few minutes, or goes away and comes back.
-Pain spreading to the shoulders, neck and arms.
-Chest discomfort with lightheadness, fainting, sweating, nausea or shortness of breath.

Source: www.americanheart.org

Published with permission from RISMedia.

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30-Year Fixed-Rate Mortgage Averages 3.40 Percent

January 11, 2013 4:06 am

Freddie Mac released the results of its Primary Mortgage Market Survey® (PMMS®), showing fixed mortgage rates moving higher following December's employment report. The 30-year fixed averaged 3.40 percent, its highest reading in eight weeks. The all-time record low for the average 30-year fixed was 3.31 percent set November 21, 2012.

News Facts

-30-year fixed-rate mortgage (FRM) averaged 3.40 percent with an average 0.7 point for the week ending January 10, 2013, up from last week when it averaged 3.34 percent. Last year at this time, the 30-year FRM averaged 3.89 percent.

-15-year FRM this week averaged 2.66 percent with an average 0.7 point, up from last week when it averaged 2.64 percent. A year ago at this time, the 15-year FRM averaged 3.16 percent.

-5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.67 percent this week with an average 0.6 point, down from last week when it averaged 2.71 percent. A year ago, the 5-year ARM averaged 2.82 percent.

-1-year Treasury-indexed ARM averaged 2.60 percent this week with an average 0.5 point, up from last week when it averaged 2.57. At this time last year, the 1-year ARM averaged 2.76 percent.

"Fixed mortgage rates increased slightly following a positive employment report for December," says Frank Nothaft, vice president and chief economist, Freddie Mac. "The economy added 155,000 jobs, above the consensus market forecast, and November's job growth was revised upward by another 24,000 workers. This helped keep the unemployment rate steady at 7.8 percent, the lowest since December 2008. For all of 2012, 1.86 million jobs were created and represented the largest annual gain since 2006."

Source: Freddie Mac

Published with permission from RISMedia.

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Housing Affordability Index to Set Annual Record for 2012

January 10, 2013 4:04 am

With 11 months of data reported, 2012 will clearly go down as a record year for favorable housing affordability conditions, and a great year for buyers who could get a mortgage, according to the National Association of Realtors®.

NAR's national Housing Affordability Index stood at 198.2 in November, based on the relationship between median home price, median family income and average mortgage interest rate. The higher the index, the greater the household purchasing power; recordkeeping began in 1970.

An index of 100 is defined as the point where a median-income household has exactly enough income to qualify for the purchase of a median-priced existing single-family home, assuming a 20 percent downpayment and 25 percent of gross income devoted to mortgage principal and interest payments. For first-time buyers making small down payments, the affordability levels are relatively lower.

For all of 2012, NAR projects the housing affordability index to be a record high 194, up from 186 in 2011, which was the previous record. November's reading was 2.5 index points below October, but up 1.5 index points from a year earlier.

Lawrence Yun, NAR chief economist, said home buyers are able to stay well within their means. "Although 2012 was highest on record, the excessively tight underwriting precluded many would-be homebuyers from locking-in generational low interest rates," he said. "Rising home prices and a gradual uptrend in mortgage interest rates will offset improvements in family income, but 2013 likely will be the third best on record in terms of household buying power. A window of opportunity remains open for buyers who can qualify for a mortgage."

NAR projects the housing affordability index to average 160 during 2013, which means on a national basis that a median-income family would have 160 percent of the income needed to purchase a median-priced existing single-family home. Conditions vary widely, with the highest buying power in the Midwest. Even in the West, where the regional index is lower, the typical family is well positioned in most markets.

NAR President Gary Thomas said the minor erosion in affordability conditions moving forward could be mitigated by bank and regulatory policies. "Clearer rules from the government regarding future lawsuits and buybacks of Fannie and Freddie loans could encourage banks to use their massive cash holdings to originate more loans," he said.

"A more sensible lending environment that makes it easier for other financially qualified buyers to get a mortgage would allow many more households to enter the market, boosting home sales as much as 10 to 15 percent," Thomas said.

Source: NAR

Published with permission from RISMedia.

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