RE/MAX 440
Michael Gillis

Michael Gillis
701 W. Market Street  Perkasie  PA 18944
Phone:  215-469-0213
Office:  215-453-7653
Fax:  267-354-6911

My Blog

2016's Top Paint Color Palettes for the Home

December 23, 2015 3:15 am

New Year, new color.

Nothing transforms the look of a room like a new coat of paint—especially when the color is both on-trend and timeless.

“We believe a fresh coat of paint is one of the easiest ways for people to change their homes for the better,” says Valspar Color Strategist Sue Kim. “But with so many colors to consider, it’s nice to have a little help on the often stressful color selection journey—even when looking for the right shade of white. Choosing a white for doors, trim, ceilings or even a wall can sometimes be harder than choosing a color, so we are simplifying that this year by highlighting four of our most popular."

These varying degrees of white complement Valspar’s color palette picks for 2016, which are:

“Comfort Zone” – Busyness has replaced leisure as a status symbol. Schedules are filled to the brim, we’re all constantly plugged in, and lines are blurred between work and leisure. This palette offers an antidote to this fast-paced lifestyle, with a selection of soft, calm colors, such as fallow brown and powder blue, that balance and restore the mind, body and spirit.

“These muted mid-tones counter-balance busy living are perfect for creating a restful, yet stimulating environment to unwind, relax and recharge,” says Kim. A chalky white blends quietly with these comfy colors.

“Simply Perfect” – The movement toward simplified living inspired this palette of versatile, stylish grays, such as dim gray and silver, that work well in any setting.

“There’s no question that gray is the dominate shade of the decade and today’s default neutral,” Kim says. A clean white is the perfect accent for any of these go-to grays.

“You Do You” – Different is the new normal. Going against the grain is encouraged and applauded, often with the phrase “you do you.” It’s a mantra leading to this trend palette of expressive and uplifting zingy brights, including coral pink, bondi blue and arylide yellow.

“Generations Y and Z are fueling a broader acceptance of individuality, challenging stereotypes and standards of beauty,” says Kim. “These confident, inspired hues encourage you to express yourself in a full color anywhere you’d like whether it be a full room, an accent wall, trim or furniture.” A pure white anchors the boldness of these brights.

“Good Company” – Most of us have high demands for transparency, integrity and authenticity—the fair trade movement and farm-to-table organic food trend are prime examples. This trend is interpreted in this palette, a collection of rich, familiar and enduring artisanal shades, such as camel brown and viridian, inspired by heritage and handcrafted products and materials.

“These deep, pigmented colors evoke a connection to our heritage. We trust the tried-and-true and that is why they are so welcome in our homes today,” says Kim. A linen white embraces the natural richness of these tones.

Source: Valspar

Published with permission from RISMedia.

Tags:

The Top 10 Scams of 2015

December 22, 2015 3:12 am

Varied and sophisticated, schemes by con artists have become more common than ever—and the most popular type this year were tax scams, according to the Better Business Bureau’s (BBB) list of Top 10 Scams in 2015. Tax scams garnered more than 2,400 complaints this year from individuals duped by fraudsters posing as the U.S. Internal Revenue Service or the Canadian Revenue Agency.

The scenario plays out like this: You receive a phone call from someone who claims to be with the IRS or the CRA. They claim you owe money in back taxes and will be arrested or face legal consequences if you do not pay (usually by wire or prepaid debit card). The caller ID is spoofed to appear to be a government agency or the police.

Debt collection scams, which entail a phone call from someone claiming you have unpaid debt, came in second on the list. The caller will usually threaten wage garnishments, law suits or even jail time if you do not pay immediately.

Third on the list were scams linked to sweepstakes, prizes or gifts, which involve a phone call, letter or email claiming you’ve won a prize in a sweepstakes. In order to receive the prize, you are instructed to send a fee to cover expenses associated with delivery, processing or insurance.

“Scammers are all basically imposters,” says Mary E. Power, president and CEO of the Council of Better Business Bureaus. “Three of the top four scams reported to us are those that scare people with threats of arrest, lawsuits or other frightening actions. Scammers are pretending to be government agents, lawyers, debt collectors and police officers. They engage directly with you, so your best bet to avoid being scammed is to stop engaging, hang up the phone, delete the email and shut the door.”

Rounding out the top 10 list of scams are:

Tech Support Scams – You are contacted by “technicians” claiming to have detected a virus or security threat on your computer, and, for a fee, can log in and correct the problem remotely. These callers are actually hackers trying to steal money or sensitive computer passwords, or damage computers with malicious software.

Government Grant Scams – You receive a phone call, email or letter informing you that you’ve qualified for a government grant. In order to receive the grant, however, you are instructed to send money as a processing or a delivery fee, usually by wire transfer or prepaid debit card.

Advance Fee Loan Scams – While searching for loan information, you see an enticing ad and click through to the website. You fill out an application and soon receive an email or phone call advising that you are approved for the loan, but you must first send a processing fee, security deposit or insurance. You pay the “fee,” but never see the loan.

Credit Card Scams – The scammer pretends to be from your bank or credit card issuer, and they claim that you are now eligible for a lower interest rate, or that they need to verify a recent transaction. The consumer provides the scammer with their credit card number and security code to “verify” their identity.

Work-from-Home Scams – While looking for a job online, you answer an ad for making big bucks while working from home. The job may be stuffing envelopes, posting advertisements, or shipping packages. You could have your identity stolen when you fill out the employment forms, or even end up handling stolen merchandise.

Fake Check or Money Order Scams – This can happen any time someone is paying you for goods or services, even when you are selling something online. You receive a check in the mail that is larger than the amount owed, and you are asked to deposit the check and wire the difference. The check is a fake and when it bounces, you’re out the money.

Lottery Scams – You receive a call, letter, or email advising that you have won a large amount of money in a foreign lottery, but you have to pay upfront for taxes and fees. Such lotteries are illegal. Sometimes you may be sent a check as partial payment, but the check will be counterfeit.

To ward off these types of scams and others, the BBB recommends the following tips:

• Don’t be pressured into making fast decisions.
• Take time to research the organization.
• Never provide your personal information to people you do not know.
• Don’t click on links from unsolicited email or text messages.
• Never send money by wire transfer or prepaid debit card to someone you don’t know or haven’t met in person.
• Never send money for an emergency situation unless you can verify the emergency.

Source: BBB

Published with permission from RISMedia.

Tags:

5 Ways to Switch Up Seasonal Décor

December 22, 2015 3:12 am

Looking to liven up the décor in your home? Beat the winter doldrums?  Tie in signs of the season? How about all three?

“Winter is a season that naturally contains an abundance of inspiring color and décor, from the bold colors in a lit fireplace to the frosty weather outside,” says Nathan Fischer, Orange Country, Calif.-based design expert for Ace Hardware. “Our color and décor trends this season aim to bring all of the best elements of winter into your home.”

Those trends include warm colors, such as Venetian red and tango pink, paired with cool tones, like ghost white and slate gray. Décor in line with the season, says Fischer, includes the following:

• Wood, metal and woven textures combined with complementary cool tones

• Light, airy drapes hung just below the ceiling line

• Strategically placed pillows in a variety of patterns but with similar color palettes

• Vintage mirrors in unexpected places, like behind the sofa

• Continued color palettes in adjoining spaces, such as in an entryway and hallway 

Source: Ace Hardware 

Published with permission from RISMedia.

Tags:

Forecast: Mortgage Credit Standards Ease Further in 2016

December 22, 2015 3:12 am

Lenders expect credit standards for government and GSE-eligible mortgages to continue easing in 2016, and many report they have already loosened strictures that prevented prospective homebuyers from obtaining a loan, according to a recent Fannie Mae survey.

“Several factors point to constrained housing affordability in 2016, particularly for first-time home buyers, including slow single-family supply response and limited inventory of starter homes on the market, strong inflation-adjusted house price appreciation outpacing household income growth, and an upward bias in mortgage rates,” explains Fannie Mae Senior Vice President and Chief Economist Doug Duncan. “However, on net, lenders told us in our fourth-quarter Mortgage Lender Sentiment Survey that they have eased and expect to continue to ease credit standards, which was a consistent trend throughout 2015."

The share of lenders expected to ease standards for GSE-eligible loans climbed to 16 percent, while the share expecting to tighten standards dropped to 2 percent, per the survey. Housing affordability stands to increase if these findings bear out in the coming year.

Source: Fannie Mae

Published with permission from RISMedia.

Tags:

A Winter Survival Kit for Your Home

December 21, 2015 3:12 am

(Family Features)—Year after year, winter proves to be a challenging season, especially when it takes its toll on your home and surrounding property. This year, prepare for the inevitable with these tips:

• Clear gutters and repair roof leaks to avoid clogging from snow. Don't put cleaning your gutters off until the weather conditions are too unbearable. It is important to clear out your gutters and repair your roof to help avoid major damage from snow and ice.

• Check out your heating system and replace furnace filters as the temperature drops. You don't want to realize your heater doesn't work and that you're without a warm living space as colder weather sets in.

• Check your windows and doors for cracks, leaks or drafts and repair them as soon as possible. This improves efficiency within your home and keeps you warm from the cold air and wind. Install a door draft insulator to help prevent air leakage.

• Drain and turn off your sprinkler system. This may seem like a no brainer, but many people don't remember to complete this task. Drain and turn off your sprinkler system, as well as your hoses, to prevent freezing and other problems.

• Insulate your pipes by wrapping them in insulation or newspapers and plastic. Doing so will lower the chance of frozen pipes later on. Keep the faucets dripping water so that water is always flowing through the pipes, rather than standing still.

• Invest in a carbon monoxide detector. Carbon monoxide-related deaths are at their peak during the winter months, so protect yourself from this harmful gas by installing carbon monoxide detectors in every sleeping area and on every level within your home.

• Keep a winter emergency kit in your home. Include water, blankets, a battery-powered flashlight, a battery-powered radio, emergency flares, energy bars, a pocket knife, rope, jumper cables, a lighter, rock salt and sand in the kit.

• Rock salt or sand your walkways, driveways and other pathways to improve traction and melt snow and ice. Rock salt melts ice when the temperature is about 12 degrees Fahrenheit. Sand does not melt ice, but improves traction during dangerous conditions. You may consider adding both to your driveway and walkways to ensure optimal safety. 

Source: Snow Joe

Published with permission from RISMedia.

Tags:

What Holiday Hazards Are Covered by Homeowners Insurance?

December 21, 2015 3:12 am

Despite the merriness of the season, the hustle and bustle of the holidays poses a number of hazards for homeowners and renters. A whopping 23 million Americans have had packages of gifts stolen from their homes, for instance, and 16 million have experienced a house fire during the holidays, according to insuranceQuotes.com—and that’s just the beginning.

“The holidays are a great time, but all the commotion and celebrating can sometimes cause people to be too relaxed,” says Laura Adams, senior analyst for insuranceQuotes.com. “No one is thinking of a broken leg or a house fire as they’re sipping eggnog and socializing with family, but these things do happen and it is better to be prepared than to let it ruin your whole holiday."

Other causes for concern? Guest injuries, which have occurred in seven million households, and sewer backups, which have occurred in 47 million households.

Homeowners and renters insurance policies typically cover claims related to these hazards, but only up to a certain amount. Purchasing extra liability coverage, often called umbrella insurance, is a wise move, says Adams.

And if you plan to give jewelry or end up receiving jewelry as a gift this year, take care to insure it, too.

“It can be a very expensive mistake not to insure a valuable piece of jewelry,” Adams says. “Most standard homeowners and renters insurance policies only insure jewelry up to a couple thousand dollars. Additional jewelry insurance can be purchased for as little as a few dollars each month—a very affordable price, especially when compared to the cost you would incur if you had to replace the item out of pocket,” Adams says.

Source: insuranceQuotes

Published with permission from RISMedia.

Tags:

The Smartest Home Products of 2015

December 21, 2015 3:12 am

From learning thermostats to smartphone-enabled locks, the presence of connected technology in the home grew leaps and bounds in the last year—and in fact, before the year’s out, tech research giant Gartner predicts connected devices will number somewhere near three billion. Without a doubt, 2015 is the year of the smart home.

“2015 was huge because we saw products become easier to use and less expensive,” says Jason Ballard, president and co-founder of home improvement firm TreeHouse. The smartest home products of the year, according to Ballard, include:

• Air Quality Monitors – These smart devices monitor the air in your home and tell you how to make it better. The Foobot, for example, detects volatile organic compounds, particulate matter, carbon dioxide, temperature and humidity.

• Combination Smoke Alarms – The combined smoke and carbon monoxide detectors that hit the market in 2015 have features including industrial-grade smoke sensors, self-tester functions and durability to last up to a decade. One brand in this category, Nest Protect, is the first home alarm you can hush from your phone without any extra hardware required.

• Home Security – Smart locks and video cameras are becoming easier to install, and less expensive. For about $200, you can use your phone to lock and unlock your door. Certain smart locks, such as those produced by August Lock, have the ability to create virtual keys for guests and keep track of who comes and goes. Nest Cam, a home security camera, boasts live streaming, night vision and activity alerts.

• Lighting – In the biggest lighting innovation since LED bulbs hit the market, you can now automate your lights completely to make it seem like you're home when you're not. With geo-fencing technology, your lights can welcome you home or switch off automatically when you leave your home. Most brands in this category let you change the color of lighting in your home, and some, like Philips Hue, can even keep you informed about the weather or incoming calls.

• Smart Sprinklers – Today’s smart lawn watering control systems use your laptop to schedule watering times and automatically adjust for the weather. The Rachio Intelligent Sprinkler Controller, for instance, saves 20-50 percent on water bills.

“‘Smart home’ no longer means building the Jetson’s house,” Ballard adds. “It means adding products to your home that make it safer and healthier.”

Source: TreeHouse

Published with permission from RISMedia.

Tags:

Holiday Travelers: 5 Mistakes to Avoid on Your Trip

December 18, 2015 3:06 am

With more travelers than ever setting out on holiday excursions this year, mistakes are bound to be made. If you plan on hitting the road this season, steer clear of these five, courtesy of renowned map and atlas publisher Randy McNally:

1. Putting Safety Last (Minute)
Always put safety first. Schedule a tune-up to give the car a thorough check, and get an oil change, tire replacement or rotation if needed. Make sure the lights and windshield wiper blades are working properly, and that the spare tire, jack and jumper cables are in the trunk for emergencies. Other must-haves for the car include a first-aid kit, shovel, broom, scraper, deicer, bag of kitty litter or sand, blankets and flashlights.

2. Not Delegating
Preparing for a road trip should be a team effort. For example, one person could handle the holiday tasks, and the other could make sure the car is ready to go. Families can assign older kids and teens to wrap gifts, and help younger siblings pack and load the car.

3. Chaotic Packing
Time is so short around the holidays that it's tempting to wait until the last minute to scramble and pack your bags. Create a list of all the items you need to pack. When packing the car, take care to separate items you'll need on the road from what you'll need only after you arrive, and load the car first with the least essential items.

4. Being Worried about the Weather
Planning is all about balance. Before and during the trip, check the weather for any sign of treacherous weather. Adjust your plans as needed.

5. Making Haste
Hit the road as far ahead of the holiday and return as late after it as possible. This will not only prevent traveling in heavy traffic, but it will also allow more flexibility in case the weather turns bad.

Source: Rand McNally

Published with permission from RISMedia.

Tags:

By Design: Expect Artisan, Art Deco in 2016

December 18, 2015 3:06 am

Interior design evolves as seasons change, and with each new year, fresh trends replace dated fads. What new trends can we expect in 2016?

“Say goodbye to mason jars and chalkboard paint, as the overdone 'farmhouse chic' is finally headed out of style,” says Kerrie Kelly, home design expert, Zillow Digs®. “2016 will bring a fresh modern vibe that beautifully mixes simplicity with bold accents reminiscent of the Roaring Twenties. Watch for an increase in natural colors and textures contrasted by retro art deco statement pieces."

Citing a recent Zillow Digs forecast, Kelly says the mason jar trend, used everywhere from weddings to restaurants, is exhausted, and chalkboard paint is impractical for most households. Kelly also retires burlap details, which are too harsh for indoor use.

Art deco-inspired patterns and shapes will instead take center stage, with a few modern improvements. Look for the style’s trademark geometric patterns and honeycomb shapes in anything from wallpaper to artwork, says Kelly, as well as gold statement lighting fixtures in kitchens and dining rooms.

Nubby wool and other natural fibers will be the go-to texture in 2016, Kelly adds, especially for area rugs, in addition to encaustic tiles utilized in kitchen backsplashes, bathroom shower tiles, accent walls and fireplace mantles.

Flea market finds, travel souvenirs and unique artisan pieces will also make an appearance in 2016, says Kelly. Look for a rise in partnerships between big-box stores and global artisans to accommodate the increased demand for one-of-a-kind or handmade items. 

Source: Zillow Digs®

Published with permission from RISMedia.

Tags:

Mortgage Rates Move after Fed Hike

December 18, 2015 3:06 am

Fixed mortgage rates are ticking slightly higher in response to the Federal Reserve’s decision to raise short-term interest rates, but they will remain at historically low levels for some time to come, according to Freddie Mac’s recent Primary Mortgage Market Survey® (PMMS®).

“As was almost-universally expected, the Federal Open Market Committee (FOMC) of the Federal Reserve elected this week to raise short-term interest rates for the first time since 2006,” explains Sean Becketti, Freddie Mac’s chief economist. “We take the Fed at its word that monetary tightening in 2016 will be gradual, and we expect only a modest increase in longer-term rates. Mortgage rates will tick higher but remain at historically low levels in 2016. Home sales will remain strong, but refinance activity should cool somewhat.”

According to Freddie Mac’s survey, the average 30-year fixed-rate mortgage (FRM) stands at 3.97 percent with an average 0.6 point; the 15-year FRM averages 3.22 percent with an average 0.5 point. The 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averages 3.03 percent, with an average 0.4 point, and the 1-year Treasury-indexed ARM averages 2.67 percent with an average 0.2 point.

Source: Freddie Mac

Published with permission from RISMedia.

Tags: