RE/MAX 440
Dale Joy
Dale Joy
4092 Skippack Pike, P.O. Box 880
Skippack  PA 19474
PH: 610-584-1160
O: 610-584-1160
C: 215-460-5153
F: 267-354-6852 
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Consumer Sentiment Reaches a Post-Recession High

May 14, 2012 5:26 am

According to a recent Marketwatch report, the preliminary reading of the University of Michigan-Thomson Reuters index rose to 77.8 from 76.4 in April. This figure represents the highest reading since January 2008, one month after the recession began. Additionally, the current economic conditions index jumped to 87.3, the best reading since January 2008, from 82.9 in April. That said, consumer expectations also fell.

According to the Marketwatch report, this picture could be explained by the combination of falling gasoline prices along with April’s report of slowing jobs growth, which could be weighing on expectations.

“That is good news, and is thematically consistent with the view that the softening in recent labor data has more to do with seasonal pay back than a shift lower in underlying job demand,” said Eric Green of TD Securities.

Source: Marketwatch

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Your Lawn May Look Good, but How’s Your 'Hardscaping?'

May 11, 2012 5:22 am

Spring sets all homeowners in motion to make sure their landscaping is up to par and ready for warm-weather entertaining. But while landscapes and lawns require ongoing maintenance, your home’s “hardscape” usually represents a one-time investment.

According to, more and more homeowners are investing bigger dollars in their outdoor area’s hardscape by adding outdoor kitchens, fire pits and seating areas. Creating a more comfortable and aesthetically pleasing outdoor space enhances both your quality of living and your home’s resale value. According to a Clemson University study, homes with an excellent outdoor environment can anticipate a sale price that is about 6 - 7 percent higher than expected.

Installing decks and pavers are popular hardscaping projects that pay immediate dividends, says Vila. But before you dive into your hardscaping project, make sure you have a long-term plan that realistically fits your budget. Outdoor kitchens are difficult to move once installed. When choosing a location for your fire pit, take gas and water line locations into consideration.

If you aren’t ready to commit to a hardscape plan, says Vila, then start slowly and get that grill you’ve been wanting and that portable fire pit that you can try out in different spots around your yard.

Published with permission from RISMedia.


How Moms Add Up

May 11, 2012 5:22 am

While Mother’s Day presents a special opportunity to show appreciation and devotion to our respective moms, it’s also the perfect time to see how the “mom demographic” is evolving.

According to data from the U.S. Census Bureau included in a Washington Post article, mothers are—not unexpectedly—a diverse lot.

Here are some interesting stats on American moms:
  • Mothers total about 85.4 million, with about four million giving birth in the past year.
  • In 2008, the last year recorded, the average age for giving birth was 25.1 years old. That 0.1 is important because it represents a slight age increase from the previous two years. Analysts say that increase is due mostly to fewer births among the younger set of mothers.
  • The number of stay-at-home mothers has remained relatively stable despite the challenging economy. In 2011, 23 percent of married mothers with children under 15 were classified as stay-at-home. In 2007, before the recession, it was 24 percent.
  • The number of single moms, however, has spiked. In 2011, 10 million mothers of children 18 or younger were single. In 1970, that number was just 3.4 million.
  • In 2010, about 39 percent of women who gave birth were not married, or were separated, or “married but with an absent spouse,” according to the census.
  • The most popular names bestowed upon babies in 2010 were Jacob and Isabella.

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The Top U.S. Cities for New Home Construction

May 11, 2012 5:22 am

While construction activity came to a near-halt after the housing bubble burst, things are finally looking up, according to a recent report in Atlantic Cities.

As with all real estate, construction is also local, however. While construction is gearing up in some markets, it remains dormant in others. According to Atlantic Cities, understanding construction patterns is critical for understanding the future of cities, for two reasons.

First, construction activity is a bet on future growth, as developers will only build in areas where they believe future demand for housing is strong. Construction is a clear signal of builder confidence in an area. Second, construction has a long-term impact on urban patterns, affecting a city’s density and sprawl.

What do construction patterns say about the future of cities in America? Atlantic Cities cites recent Census Bureau data on construction permits issued by localities in 2011, including whether those permits were for single-family homes or units in multi-family buildings.

The metro areas with the most construction permits were:
  • Houston, Texas - 31,271
  • Dallas, Texas – 18,686
  • Washington, DC – 18,686
  • New York, N.Y. – 13,973
  • Austin, Texas – 10,239
  • Los Angeles, Calif. - 9,895
  • Phoenix, Ariz. – 9,081
  • Seattle, Wash. – 8,664
  • Atlanta, Ga. - 8,634
  • San Antonio, Texas – 7,127
More permits were issued in the Houston metro area than in any other metro, by far. Four of the top ten metros were in Texas. But this list is dominated by large metro areas, and bigger areas are expected to have more construction activity. Among the cities with the most amount of construction permits per 1,000 homes are: El Paso, Texas; Austin, Texas; Raleigh, N.C.; Houston, Texas; Charleston, S.C.; Dallas, Texas; Little Rock, Ark.; and Baton Rouge, La.

The rate of construction is highest in metros within Texas and the Carolinas and lowest in the Northeast and Midwest. The rate of construction is higher across Texas, the mid-South and Mountain states, but lower in New England, the Great Lakes, South Florida and most of coastal California.

Source: The Atlantic Cities – the

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Record Summer Forecasted for International Air Travel

May 10, 2012 5:20 am

Airline passengers can expect full flights this summer thanks to an improving economy and a record number of people traveling internationally.

In its annual summer forecast, Airlines for America (A4A), the trade association for leading U.S. airlines, predicted that from June through August, U.S. airlines will carry an average of 2.24 million travelers globally every day. Total passenger volumes remain 5 percent below the summer 2007 all-time high of 217.6 million.

A4A also expects a record number of people to travel internationally. Of the 206.2 million total passengers expected to travel on U.S. airlines this summer, 26.8 million will be traveling on international flights. This estimate surpasses last summer's record of 26.3 million passengers flown on international flights. Domestically, 179.4 million passengers are expected to fly this summer, comparable to summer 2011.

The good news for travelers, says A4A, is that airfares have not kept pace with the inflation rate, which rose 31 percent since 2000. Over the same period, average domestic airfares, per the Department of Transportation, rose just 9 percent, or 15 percent including optional ancillary services – less than half the rate of U.S. inflation.

A4A encourages passengers to consult its resource page for recommended travel tips. In particular, travelers are advised to keep in mind the following:
  • Review the website of the airline on which you are flying for respective policies, amenities, customer-service plans and flight-operation alert notifications.
  • Before departing to the airport, be sure to check the Federal Aviation Administration (FAA) airport delay map.
  • Remember that TSA requires that air travelers follow its 3-1-1 Rule for liquids, gels and aerosols in carry-on bags when passing through security checkpoints.

Published with permission from RISMedia.


95 Million Americans Use Social Media to Shop

May 10, 2012 5:20 am

According to a new study, "SocialShop," released by Leo Burnett/Arc Worldwide, 42 percent of Americans are using social media to shop – this equates to nearly 95 million social shoppers in the U.S. – and that number continues to rise. In fact, when asked how often social media is used to shop today versus a year ago, almost 73 percent of people confirmed they are using it more.

SocialShop – a national quantitative and qualitative research study – looks at social media usage from the eyes of a shopper to understand the influence each respective platform has on a person's buying behavior.

From Facebook and Twitter to YouTube and Groupon, people of all ages are using social networking sites and other user-generated content platforms as shopping tools. In fact, SocialShop found 42 percent of social shoppers are using Facebook more than they were a year ago, while 55 percent of shoppers are utilizing daily deals more and 46 percent of shoppers have increased engagement on review sites and forums.

For brands, using social media in the wrong way can have a negative impact on relationships. Forty-four percent of social shoppers said they had stopped interacting with brands on Facebook due to lack of relevant or valuable posts.

Within SocialShop, researchers identified six shopper archetypes reflecting the needs and habits of today's social shoppers:

Savvy Passionista - The Social Trendsetter
The Savvy Passionista is a heavy social shopper using social media channels to broadcast the latest trends and stay connected with favorite brands. Savvy Passionistas are indulgent and use social channels to express feelings and stay relevant and "in-the-know."

Opportunistic Adventurer - The Daily Dealaholic
Opportunistic Adventurers are on a mission to score fun and unexpected deals. With impulsive social shopping tendencies, this shopper demands timely and relevant deals.

Quality Devotee - The High Maintenance, High Standards Shopper
Quality Devotees use social media to shape purchasing decisions, validate choice and to feel empowered when making a purchase. No matter the time or research involved, Quality Devotees will find the best product available.

Strategic Saver: The Black Belted Negotiator
Strategic Savers use social media to comparison shop and spend time deal-digging only for their favorite brands.

Efficient Sprinter: The Few Dollars Shorter, Several Minutes Richer Shopper
Efficient Sprinters want to save time and use social media to select items that are considered most popular to simplify their shopping process.

Dollar Defaulter: The Dollar Sign Connoisseur
The Dollar Defaulter has just one social shopping goal: find the cheapest alternative. With utilitarian shopping needs, Dollar Defaulters choose only the lowest prices and do not feel loyal to specific brands.

Published with permission from RISMedia.


Reclaiming Your Bedroom

May 10, 2012 5:20 am

Our bedrooms are supposed to be our safe havens – our private sanctuaries. Yet more often than not, they’re home to piles of laundry to put away, dusty work-out equipment, and mismatched shoes. How can one relax in that environment?

Thanks to some great strategies from author Julie Morgenstern via, your bedroom can soon become the zen-like environment it was intended to be. Here are Morgenstern’s top tips for organizing and reclaiming the boudoir:
  1. Under-bed Storage. Sliding or rolling under-bed storage bins serve as a wonderful extension of your closet space. Use them to rotate seasonal items, store bigger, bulkier items like backpacks, purses and blankets, or house a change of sheets. These items will remain nicely hidden with the help of a bedskirt. Be sure to label the bins to avoid frantic and messy searching.
  2. Put Shoes in Their Place. One of the quickest fixes to a bedroom closet overrun with shoes is to invest in a shoe rack. Morgenstern recommends an expanding tiered shoe rack below your clothes as opposed to an over-the-door hanging shoe bag. Once you have a clear visual on just how many shoes you actually own, odds are you’ll realize it’s time to give some away.
  3. Control Jewelry Chaos. A hanging jewelry organizer can help tame that tangled mess of necklaces and earrings on your bureau. These organizers usually come with or snap onto a hanger and have plenty of clear pockets to keep items free and clear of each other.
  4. Create a Reading Nook. That lovely chair you have in your room was not meant to be adorned with dirty laundry and back-logged magazines. Morgenstern says it’s time to rescue your reading chair by adding the proper organization, such as a side table with drawers or shelves for your reading materials, journal or e-reader. If you’re a magazine and/or newspaper fan, a magazine rack would work best
  5. Make Your Bed Every Day. So simple yet so tempting to blow off. Treat your bed as the sanctuary it is by positioning it for use every day, says Morgenstern. If you spend three minutes each morning to tuck and fold, you'll develop a habit of keeping order in the room, which may translate into motivation for picking up the pile of clothes on the floor.
  6. Put Specialty Garments in Storage. If your wedding dress or special occasion fur is taking up space in your primary closet, have it professionally cleaned and boxed, then put it away in an attic or basement.

Published with permission from RISMedia.


'Million Messages in May' Launches to Save Lives

May 9, 2012 5:18 am

The National Organizations for Youth Safety® (NOYS®), joined by celebrities from around the world, announces the launch of the "Million Messages in May" campaign, in support of Global Youth Traffic Safety Month™ observed annually in May. 

Traffic crashes are the No. 1 killer of youth in the U.S. and throughout the world. The campaign's mission is to draw attention to Youth Traffic Safety by generating the transmission of one million traffic safety messages in May via Facebook, Twitter, email and texting. 

To jumpstart the viral push, Million Messages in May spokespersons Tayler Malsam, 23, driver of the NASCAR® Nationwide #19 G-Oil Toyota Camry, and Bryton James, 25, an Emmy winning star of CBS' daytime drama "The Young & The Restless," were joined by a powerhouse lineup: NBA Stars , Chase Budinger, Stephen Curry, Corey Maggette, Anthony Tolliver and Nolan Smith; Actors, Tatyana Ali, Noah Munck – iCarly; Christa Orecchio - National Nutrition Expert; and pro skateboarder, Greg Lutzka. Collectively, since May 1, through tweets and Facebook posts, these celebrities have already helped NOYS send over 5 million messages. 

The "Million Messages in May" campaign is designed to use star power and social networking to encourage NOYS' supporters to share safe driving messages via the top networking platforms in the world. 

"On average, people spend around 6 to 7 hours a month social networking. Imagine the impact it could have on saving lives if everyone sent a traffic safety message, even just once a day, while chatting, tweeting, or Facebooking," said James. 

"We want everyone to 'do what you do' to save lives," said Malsam. "Send and forward messages, ask your friends to stay focused, avoid distractions. Don't text and drive, and be sure to buckle up," said Malsam. 

According to NOYS Executive Director, Sandy Spavone, "the Million Messages in May social networking campaign supports the goal of Global Youth Traffic Safety Month, which is to engage and empower teens to develop and implement youth-led teen traffic safety projects that provide peer-to-peer education, support enforcement efforts, and advocate for stronger teen driving safety laws. The NOYS coalition hosts this global campaign.

Published with permission from RISMedia.


Creating a Storm Preparedness Kit

May 9, 2012 5:18 am

We’ve already seen a substantial dose of severe weather this spring and The National Oceanic and Atmospheric Administration is encouraging Americans to be prepared with the right emergency kit.
According to Consumer Reports, federal authorities recommend keeping the following in your emergency kit, which represents a three-day supply of necessities. If your family has special needs—i.e., small children, life-threatening allergies, elderly grandparents—your kit should be tailored accordingly: 

• One gallon of water per person per day, for drinking and sanitation
• Non-perishable food and a manual can opener
• A battery-powered or hand crank radio and a NOAA weather radio with tone alert and extra batteries
• Flashlight and extra batteries
• First aid kit
• Whistle to signal for help
• Filter mask or cotton t-shirt, to help filter the air
• Moist towelettes, garbage bags and plastic ties for personal sanitation
• Wrench or pliers to turn off utilities
• Plastic sheeting and duct tape to shelter-in-place
• Important family documents in a waterproof container
• Items for unique family needs, such as daily prescription medications, infant formula or diapers 

Experts also advise families to create an emergency plan that outlines how families will communicate in the event of a crisis, including where everyone will gather. Keep in mind that text messages will often get through when a phone call will not. 

Consumer Reports suggests adding a power inverter to your emergency supply kit, a shoe-box sized gizmo that can be connected to your car's 12-volt system and convert direct-current (DC) power into the alternating-current (AC) power required to run a refrigerator or sump pump. Although not as powerful as a standby generator, it can get you through an outage and doesn't need gas.


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79 Percent of Refinancing Homeowners Maintain or Reduce Mortgage Debt

May 9, 2012 5:18 am

The recently released results of Freddie Mac’s first quarter refinance analysis show that refinancing continues to be a favorable option for homeowners seeking to strengthen their fiscal house. 

According to the report, in the first quarter of 2012, 79 percent of homeowners who refinanced their first-lien home mortgage either maintained about the same loan amount or lowered their principal balance by paying-in additional money at the closing table. Of these borrowers, 58 percent maintained about the same loan amount, and 21 percent of refinancing homeowners reduced their principal balance; the share of borrowers that kept about the same loan amount was the highest in the 26-year history of the analysis. 

"Cash-out" borrowers, those that increased their loan balance by at least 5 percent, represented 21 percent of all refinance loans; the weighted average cash-out share during the 1985 to 2008 period was 50 percent. 

The median interest rate reduction for a 30-year fixed-rate mortgage was about 1.5 percentage points, or a savings of about 27 percent in interest rate, the largest percent reduction recorded in the 27 years of analysis. Over the first year of the refinance loan life, the median borrower will save about $2,900 in interest payments on a $200,000 loan. 

The net dollars of home equity converted to cash as part of a refinance, adjusted for inflation, was at the lowest level in nearly 17 years (since the third quarter of 1995). In the first quarter, an estimated $5.3 billion in net home equity was cashed out during the refinance of conventional prime-credit home mortgages, down from $7.0 billion in the fourth quarter and substantially less than during the peak cash-out refinance volume of $83.7 billion during the second quarter of 2006. 

Among the refinanced loans in Freddie Mac's analysis, the median prior loan life was 4.3 years. One-half of the loans that were paid-off had been in place from between three and seven years, that is, had been originated between 2005 and 2009.

Published with permission from RISMedia.