RE/MAX 440
Tim Lugara

Tim Lugara
423 North Main Street  Doylestown  PA 18901
Phone:  215-348-7100 1632
Office:  215-348-7100
Toll Free:  800-360-7100
Cell:  215-917-8673
Fax:  267-354-6961

Tim's Blog

Think Twice Before Storing Your Credit Card Information

September 5, 2017 4:05 am

The convenience of saving your credit card information on your favorite sites is so appealing - no more scrambling for your card, no more hassle of having to enter all that information - especially when it comes to purchases made on your mobile device.

According to the Better Business Bureau, however, consumers must take into account the risks involved in storing their credit card info in order to protect themselves and their financial information.

This is an important consideration due to the increasing amount and variety of data theft over the past several years. The theft of personal information from medical insurance companies, restaurants and retailers has understandably made consumers wary about how their information is handled.

The BBB offers the following suggestions for protecting your stored credit card information:

You can say no. In most cases, merchants will ask if you'd like them to keep your number on file. You have the right to say no. If a merchant isn't clear about their policy, then ask about it.

Remove your credit card information. Some online merchants automatically store your credit card info without asking, so after you’ve made a purchase, log into your account and find the option to remove your payment information from a company’s files.  

Stay safe when you’re out and about. Avoid making any transactions over a public Wi-Fi that does not require a password. Hackers can set up a fake network with a name similar to that of the store, coffee shop, retailer or library where free Wi-Fi is offered. If you connect to it, they can get into your files and steal your information. Ask for the name of the location's Wi-Fi network before connecting.

Use credit, not debit. Whether you use a debit or credit card, you are protected from any liability due to fraud. However, with a debit card, cybercriminals can empty your bank account after a data breach.

Keep a close watch on credit and bank statements. Be vigilant about scanning your statements for unusual or unauthorized charges. If anything looks suspicious, call your financial institution right away. In addition, check sites you usually visit to remove your debit or credit card information if you'd prefer to avoid the risks of a data breach.

Hope you found this helpful. If you’re interested in information about the real estate market, please contact me.

Published with permission from RISMedia.


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Property Damage Repair Tips

September 5, 2017 4:05 am

Thousands of homeowners are feeling the devastating aftermath of Hurricane Harvey, while insurance companies and local contractors are overwhelmed with claims. The question remains: how can homeowners get things moving and not be taken advantage of? Paul Davis, one of the top restoration companies in the U.S. shares these tips:

- Call your insurance company ASAP and get a referral for a professional and certified restoration company who will assess property damage and work with you through the process; a company such as Paul Davis who will write a fair estimate that your insurance adjuster will accept, and perform the work efficiently and correctly.

- Turn in the claim as soon as you know you have damage – insurance companies will be assigning losses to their local adjusters, who will quickly reach capacity.

- Restoration companies understand how to write an initial, detailed estimate that your insurance adjuster will accept; they will help you process the payments and they can work with your insurance company if additional damage is discovered during the course of the project.

After contracting with a restoration company:

- Be prepared to provide the name of your insurance company, insurance agent, adjuster, deductible and a claim number.

- Sign the work authorization to begin the emergency work right away. This includes any drying, tarping, board-up, and protection of the contents of the home.

- One way to expedite approval of the repair estimate is to arrange for the insurance adjuster and restoration contractor to assess the damage together.

To help expedite repairs:

- Select items such as new carpet, tile, cabinets, paint colors, and light fixtures as soon as possible. Many of these items have lead times, especially in the aftermath of a major storm, when materials can run short.

- If the payments from the insurance company include your mortgage company, work with your contractor to ensure they process the payments and perform any inspections required, so that the contractor can receive progress payments as the work progresses.

Source: Paul Davis

Published with permission from RISMedia.


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Will Your Trees Survive a Storm?

September 4, 2017 3:53 am

Whether it’s a hurricane, Nor’easter, or severe thunderstorm, extreme weather and high winds present a risk to your trees and home. Large trees that are in leaf are particularly susceptible as the leaves will catch more wind, posing greater mechanical stresses.

You can help protect your property in advance by determining which trees might pose the greatest threat during a storm. The Tree Care Industry Association advises looking for the following warning signs:

- Wires in contact with tree branches. Trees may become energized when they are contacted by electric wires.
​- Dead or partially attached limbs hung up in the higher branches that could fall and cause damage or injury.
​- Cracked stems and branch unions that could cause catastrophic failure of a tree section.
​- Hollow or decayed areas on the trunk or main limbs, or mushrooms growing from the bark that may indicate a decayed and weakened stem.
​- Peeling bark or gaping wounds in the trunk could also indicate structural weakness.
​- Fallen or uprooted trees putting pressure on other trees beneath them.
​- Tight, V-shaped branch unions, which are much more prone to failure than open, U-shaped unions.
​- Heaving soil at the tree base is a potential indicator of an unsound root system.

If your trees demonstrate any of these signs, trim branches accordingly, or contact an expert to see if the tree needs to be removed altogether. The time and investment of such advance work will help keep you safe and prevent much larger costs associated with damage.

If you’d like more homeownership information, please contact me.

Source: The Tree Care Association

Published with permission from RISMedia.


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10 Easy Ways to Live Green

August 31, 2017 3:07 am

Living a more eco-friendly lifestyle is top of mind for more people every day. Happily, it doesn’t take a superhuman effort to do so, and it may even save you a few bucks.

Ecologists suggest simple tips for creating a lifestyle that should help make you – and the planet we live on – proud:

Be coffee savvy – If you brew your own, use a USDA Certified Organic brand, meaning it was grown using sustainable standards. If you stop for coffee every morning, take a reusable cup with you.

Save on printer/copier paper – Whenever possible, print double-sided pages, or re-use sheets of paper for notes, using the blank side before disposing of it.

Start kids young – Train them early to turn off the water while they brush their teeth. Encourage older kids to recycle aluminum cans and plastic bottles, redeeming them for cash they may keep.

Slow down and get pumped – Driving 10 mph above 60 is like adding nearly 50 cents to the price of a gallon of gas, since higher speed equals more guzzling – and check your tire pressure monthly. Adding air as needed can improve mileage by about three percent.

Install dimmer switches – Using them judiciously in the living room, dining room and bedrooms can save you up to $35 annually in electricity costs.

Coddle your water heater – Wrapping an insulation blanket around it can lower its running cost by about nine percent a year.

Buy a water filter – Use a faucet-mounted water filter and refillable bottles. By giving up bottled water, a family of four can not only conserve resources, but also save about $1,250 a year.

Recycle jars and plastics – Empty baby food jars are great for storing screws, nails, and craft supplies, larger jars for storing leftover soups and more – and reuse plastic sour cream, cottage cheese and whipped topping containers to send home ‘care packages’ for your guests and/or for all sorts of leftovers.

Get off junk mail lists – Unwanted catalogs are destroying trees for no good reason. Make the calls and get yourself off their mailing lists.

Grab microfiber – Buy a stack of inexpensive microfiber kitchen towels. One microfiber cloth can take the place of 60 rolls of paper towels before it needs replacing.

Published with permission from RISMedia.


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How to Pack Healthier Food for Your Child

August 31, 2017 3:07 am

While you can urge your child to eat healthier at home, once you send them off to school it can be difficult. But what your child eats during the day will fuel their brains for prime learning, so packing their lunch--rather than relying on the school's choices--is something you should consider.

In the following tips, Sodexo lays out ways to add balance and nutrition to school meals and snacks without sacrificing taste and enjoyment.

Think of the food groups when packing or purchasing a healthy, balanced school meal. Whether preparing meals at home or choosing meals at school, remember all foods groups play a role in creating and sustaining optimal health. These include wholesome grains, lean proteins, colorful fruits and vegetables, and low-fat dairy foods. Look to add variety to your food choices. Instead of relying only on sliced bread, try whole-grain crackers, tortilla wraps or pita bread. Dairy foods are an important source of calcium and vitamin D, and you can help your children meet their three daily servings of dairy with any combination of milk, cheese, and yogurt (single serving, drinkable or squeezable). Pack or choose cut-up fruits and sliced vegetables and enjoy with low-fat dips or portable single-serving sizes of peanut butter or hummus. For more information about food groups and balanced meal planning, check out the ChooseMyPlate educational resources.

Be sure to include a protein source. Protein is an important part of every meal because it provides a source of sustained energy.  As protein foods typically take longer to digest than carbohydrate-rich foods like grains and fruits, adding protein to meals and snacks can help students feel full longer and help them stay focused in the classroom.  And don't forget about breakfast. Consider quick and portable protein sources like peanut butter on whole-grain bread with jam (or soy nut butter or other nut butters), string cheese, hard boiled eggs or a smoothie made with milk or yogurt. Other lunch time protein choices include tuna and lean lunch meats like turkey or chicken; shredded cheese for a salad topping; cottage cheese paired with fruit; and plant-based protein sources like edamame, beans or tofu.

Find creative ways to sneak in fruits and veggies. Add veggies like cherry tomatoes, spinach, broccoli florets, or bell pepper or zucchini slices to pasta salads, or add banana slices to a peanut butter sandwich on whole-grain bread.  Use avocado as a sandwich spread and add lettuce and tomato, or try topping with shredded carrots.

Read labels when choosing treats. The USDA Healthy Hungry Free Kids Act requires schools to offer students snacks and beverages that are lower in calories, sodium and added sugars. Families can implement these same snack and beverage guidelines at home.  Think about the drink. For kids of all ages, water and milk are the best beverage choices. Besides having zero calories, water is a good way to stay hydrated throughout the school day. Milk is an important source of calcium needed to help build strong bones, and is also gaining popularity as an alternative to traditional sports beverages. Look for fat-free or low-fat milk to help manage calorie intake. If your child has a dairy allergy, consider soy milk as a dairy alternative, and be sure to read labels to compare amounts of added sugars.

Source: Sodexo

Published with permission from RISMedia.


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5 Tips to Make Sense of Cyber Security

August 31, 2017 3:07 am

(Family Features)--It's no secret that kids have a sense of invincibility. While that trait can bring some endearing reminders of the innocence of childhood, it can also have some highly unfortunate consequences. In the context of cyber security, an action by an unknowing child can impact the entire family.

The majority of U.S. households are filled with devices that pose a potential threat to your personal security. In fact, according to the 2016 Global Consumer Security Survey by Trend Micro, nearly half of households have two or more computers and nearly a third have three or more smartphones. That means the opportunities are plentiful for missteps to occur.

Despite the many benefits of a highly connected world, the potential for danger is strong. The same study found that 65 percent of respondents' computers had been infected with a virus or malware. Other concerns included damage or loss of files, children viewing inappropriate content, cyberbullying and ID or password theft.

While there are plenty of parental controls and blocks available, they aren't foolproof. Educating children about the potential risks and how to avoid them can go a long way toward protecting your family from potential cyber problems.

Open up a conversation with your children about cyber security with these tips from the experts at Trend Micro:

Understand what you're saying yes to. Be involved, knowledgeable and interested in the devices, apps and sites your children use for school and for fun. For sites they use for school, ask their teachers for more information. For apps they're using at home, spend 15 minutes trying it out yourself.

Use privacy settings and features. Make sure you understand what privacy protections your browser or devices offer for your family when your kids are accessing their favorite sites, apps and online services. Many browsers allow you to prevent sites from tracking what you do and where you go online, so spend some time looking at web browser settings to see what privacy options are available to you. Mobile devices also have settings that can restrict apps from knowing your physical location or accessing your camera, microphone, photos or contacts.

Use features and services available within an app or website. Also take a look at the privacy settings available in the specific apps, websites or games your family uses. Most will let you have a private account, which means the whole world won't be able to see what you post or who you're connected to. It also means that people have to ask your permission before they can follow you.

Remember that being online is a public life. Nothing is truly private online. If you and your family keep this in mind, it can help you all think through what you are about to post, like and click on, as well as who you connect with online.

Talk to other families. Other kids or families may have a different definition of what is or isn't "private." Encourage your kids to talk to their friends about how they will respect each other's privacy online. Good friends will understand, think and ask before posting a photo or information about their friends. Talk to other parents about your feelings on privacy, too, and ask for their opinions with the goal of protecting and respecting each other's privacy online.

Source: Trend Micro

Published with permission from RISMedia.


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How-to Add More Water to Your Diet

August 30, 2017 3:03 am

While most of us have heard we should be drinking eight glasses of water daily, many of us struggle to hit this mark.  Below are a few tips to help you up your water intake.

Add flavor. A squeeze of citrus, fresh mint or a handful of blueberries can make drinking water a bit more fun. Make sure to keep these twists simple and fresh, and avoid sweeteners (artificial or otherwise), which can have negative health repercussions.

Swap in tea. Unsweetened herbal tea can aid your water consumption, especially if you're steeping the bags yourself, which helps assure there are no sneaky additives. Add a hot cup of herbal first thing in the morning and before bed to squeeze in a few more fluid ounces.

Choose fruit. While this should not replace the water you drink, focusing on a few juicy fruits a day can help keep you hydrated. Try watermelon or oranges for a fresh liquid burst.

Keep it cold. If you enjoy cold beverages, then keeping chilled water around can help you drink it down faster.

Published with permission from RISMedia.


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How to Keep Your Pets Safe in a Storm

August 30, 2017 3:03 am

You may have a safety plan in place for your family, but have you thought about your pets? The American Humane Rescue team recently released the following tips to help care for your pet before, during, and after a storm.

Before the storm

- Microchip pets or put a tag on their collar with your name, address and cellphone number so they may be returned quickly in case you are separated from your pets. Be sure that any microchip information is up-to-date.

- Tie down or anchor outside objects that might fly about and injure someone.

- Know a safe place where your pets can go if you need to evacuate or seek shelter. Evacuation destinations may include a friend or family member's home, going to a pet-friendly hotel, or temporarily housing your pet(s) at a boarding facility. Plan multiple routes to your safe destination. Review your evacuation plan and double-check emergency supplies - including bowls, water and food.

- Evacuate your family and pets as early as you can and remember to take your disaster preparedness kit for your pets (i.e. First Aid kit, leashes, and pets' carrying cases, bowls, sanitation materials, chew toy, minimum 3 days, ideally 7-10 days of food, meds, water, your veterinarian's contact information, a photo of your pet).

- Bring pets inside; bring outdoor animals inside with a carrier ready large enough to turn around and lie down comfortably.

- Have a carrier at the ready. The portable carriers(s) should be large enough for your pets to stand-up and turn around in ready to go at a moment's notice. Practice loading cats and dogs in pet carriers before you have to.

- If your family must evacuate, take your pets with you.

During the storm….if you cannot evacuate

- Choose a safe room for riding out the storm—an interior room without windows – and take your entire family there, including your pets.

- Stay with pets. If crated, they depend on you for food and water. Don't leave pets in vehicles.

- Keep your emergency kit in that room with you (food, water, litter, meds, etc).

- Know your pet's hiding places. That's where they may run; keep them with you.

- Secure exits and cat doors so pets can't escape into the storm.

- Do not tranquilize your pets. They'll need their survival instincts should the storm require that.

After the storm

- Make sure the storm has fully passed before going outside and assess damages before allowing children or animals out.

- Keep dogs on a leash and cats in a carrier, and children close at hand. Displaced objects and fallen trees can disorient pets and sharp debris could harm them.

- Give pets time to become re-oriented. Familiar scents and landmarks may be altered and cause a pet to become confused or lost.

- Keep animals away from downed power lines and water that may be contaminated.

- Uncertainty and change in the environment affect animals, too, presenting new stresses and dangers. Your pet's behavior may change after a crisis, becoming more aggressive or self-protective. Be sensitive to these changes and keep more room between them, other animals, children or strangers. Animals need comforting, too. Comfort your pet with kind words and lots of pats or hugs. If possible, provide a safe and quiet environment, even if it is not their own home.

Source: American Humane and the American Humane Rescue program

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3 Steps Toward Better Sleep

August 30, 2017 3:03 am

(Family Features)--With over-scheduled days full of early-morning conference calls and endless to-do lists, it's impossible to avoid the stress that comes with working hard. Hand-in-hand with all that pressure, a lack of quality sleep can lead to aches and pains, stiffness, sore muscles, tingling or numbness in your extremities, general fatigue, as well as an increased risk of getting sick.

According to the National Sleep Foundation, the average adult needs 7-9 hours of sleep a night. In fact, a survey by Mattress Firm showed a correlation between stress and those who receive less sleep than recommended.

Twice as many stressed people get fewer than five hours of sleep each night compared to those who are not stressed. What's more, those who are stressed are five times more likely to experience insomnia at least once a month.

The proper amount and quality of sleep can have a dramatic impact on your life. If you're stressed and experiencing trouble sleeping, these tips from the sleep experts at Mattress Firm can help ensure you're getting the rest you need to improve your sleep health.

Minimize technology use before you head to bed. The survey found that quality of sleep is negatively impacted because of stress-induced technology use. For example, those who are stressed are 60 percent more likely to watch TV an hour before bed, more than twice as likely to post to social media an hour before bed, twice as likely to check email an hour before bed and more than 40 percent more likely to sleep with their phones next to their beds.

Ensure your body is getting adequate support. What felt comfortable to sleep on eight years ago may not provide the support your body needs today. Your weight, pressure points, ailments, etc. can change over the course of time, so it's important to check the mattress tag. If it's more than 8 years old, it is time to replace it. Another way to make sure your body has the proper support and alignment is to figure out your sleep position and select the right pillows to support your body. This can help alleviate tossing and turning, and provide a more comfortable night of sleep.

Avoid nighttime snacking. About 24 percent of extremely stressed people indulge in a snack an hour before bed, according to the survey. There are many food and drink options that encourage a good night's sleep more than others, such as tryptophan-rich foods like dairy, nuts and seeds, bananas, honey and eggs. Conversely, foods and medications with caffeine and foods with high-fat content should be avoided. The foods you choose are important, but also pay attention to the timing of when you eat and drink. Even fighting stress with an afternoon espresso can affect your ability to sleep hours later when your head hits the pillow.

Source: Mattress Firm

Published with permission from RISMedia.


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Try These Easy Indoor Flowering Plants

August 29, 2017 3:03 am

Are you looking to add a bloom to your home? Indoor plants do more than simply add color to your space; they can also improve the mood of those who live with them. If you're looking for a blooming plant, consider one of the following four:

Bromeliads. These funky, spiky plants are in the pineapple family! Bright and tropical, they like lots of light and don't require too much water, which makes them a great choice for a beginning gardener.

African Violet. These are some of the most popular blooming house plants, as they flower for a long duration and are relatively easy to care for.

Begonias. A well-cared for begonia will bloom almost continuously. Place them in a bright location away from windows.

Peace lily. These lovely, graceful flowers are adaptable and low-maintenance. They don't demand too much light and can survive stints of both over- and under-watering.

Published with permission from RISMedia.


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