Gunning Real Estate Team
Gunning Real Estate Team
1110 North Broad Street  Lansdale, PA 19446
Phone: 267-236-5416| Office Phone: 215-362-2260
| Fax: 267-354-6837
Cell: 267-236-5416
RE/MAX 440

Gunning Daily News

Getting a Bump From the Tax Change? Put the Money to Good Use

March 20, 2018 12:57 am

Earlier this year, the IRS released guidelines requiring employers across the country to apply new federal tax withholding tables to paychecks by February 15th. The U.S. Treasury estimates 90 percent of all payroll employees will experience higher take-home pay as a result. The monthly increase for a single person earning $50,000 is expected to be about $200.

This increase is good news for those seeking to get ahead of debt, however, financial counselors at Money Management International (MMI) say consumers must put a plan in place. Credit card, student loan, and auto lending have reached all-time national highs, while personal savings is just shy of its all-time low, according to the Federal Reserve. A survey conducted by Pollfish suggests many consumers intend to use the extra money to pay down debt, but the tax break may also compel them to spend more.

Experts warn that financial inertia and projected interest-rate hikes could impede borrowers' progress. Rising rates will increase minimum payments and the total cost of carrying debt, while curbing promotional-rate balance transfer offers. MMI notes the tax break is not permanent and encourages employees to view the tax break as an opportunity to formulate – and fund – an achievable plan to improve their financial health.

Now is a good time to learn what your best options are for effectively reducing debt, so consult a financial advisor to find out what will work best for you. While it may be tempting to spend the increased income you may receive, assess your financial picture to see if those funds are better spent by paying down debt.

Source: Money Management International

Published with permission from RISMedia.

Slash Seasonal Home Allergies, Now

March 20, 2018 12:57 am

As spring moves in, the sneezing starts. Red, itchy eyes and skin, and a constant cough. Sound familiar? If you suffer from seasonal allergies, the spring struggle is real. With spring approaching, Aire Serv offers its top tips for alleviating allergies in the home.

- Start in the bedroom. The number of allergens that build up in your bedroom is tremendous, but it can be managed. First, encase your pillows, box spring and mattress in a sealed tight dust-mite-proof cover. This will prevent build-up in an area that your face is touching every single night. In addition, make sure to wash your sheets once a week to rid your bedding of any unwanted allergens.

- Vacuum and deep clean the carpet present in your home. You should vacuum carpets at least once a week.

- Choose furnishings that are easy and accessible to clean. With you and your family spending so much time in the living room, cleaning essential pieces of furniture will prevent your furniture from being a source of sneezes.

- Remove unnecessary clutter. Old knick-knacks and piles of clutter will collect dust. Store items that you wish to save in plastic bins and store in your attic or a storage unit.

- Open windows and allow for cross ventilation in your home. The air quality inside your home is usually much worse than outside, so allow the fresh air to come in and purify your home.

- As much as we love to have plants indoors to spruce up our home, this can be an area for mold build-up. Find a new home for your potted plants or cover them with aquarium gravel to prevent mold growth.

- Use a vented exhaust fan to remove cooking fumes and avoid moisture build up when cooking.

- Having a hot, humid house is the perfect growth spot for mold and dust mites. Maintain a temperature of 68 to 72 degrees Fahrenheit. Replacing air filters monthly will also help with this problem.

Source: Aire Serv

Published with permission from RISMedia.

The Homeowner's Secret Weapon: Vinegar

March 20, 2018 12:57 am

You’ve probably heard that vinegar can be used for a myriad of household purposes, but you probably never would’ve imagined some of the problems it can solve around the house. Check out some of these creative uses for vinegar from home improvement maven, Martha Stewart:

Banish odors. Have a foul smell permeating a room? Fill a dish with a half inch of white vinegar and let it stand in the room until the smell dissipates.

Get rid of rust. To get rid of rust build-up on a knife or pair of scissors, pour white vinegar over the blade then sprinkle it with coarse salt and rub with a cork. Rinse with water and wipe dry to prevent further rusting.  

Make your whites whiter. Add anywhere from 1/8 cup to 1/2 cup of vinegar to the first rinse cycle of your laundry to boost the whiteness your white clothes.

Wash your windows. For streak-free windows and mirrors, clean with a solution of one part vinegar and one part water.

Clean your coffee maker. Get a fresher cup of coffee by filling the reservoir of your coffee maker with equal parts water and white vinegar. Let it run through several cups with this solution, then several more with just water before brewing your first cup of coffee.

Prevent pests. To get rid of pesky ants, pour equal amounts of water and white vinegar into a spray bottle, shake, and spray in areas where ants often appear, such as crevices by your baseboards, cabinets and window sills. Also use this solution outdoors on your deck or patio and bring to your next picnic.

Unclog the showerhead. Fill a plastic bag with undiluted white vinegar and submerge your shower head in the solution overnight, secured with a rubber band. Scrub with an old toothbrush the next day to remove all residue.

Banish weeds. Spray weeds with vinegar instead of harsh chemicals. They’ll usually wither away in a day or two.

Clean your shoes. Get rid of salt and water stains on leather and suede shoes by rubbing them with a paper towel dampened with vinegar.

No more fruit flies. Fill a small container with apple cider vinegar, cover it in plastic wrap and punch a few holes in it with a needle. The flys will get trapped underneath the covering.


Published with permission from RISMedia.

Planning Your Spring 'to Do' List? Don't Forget to Go Outside!

March 19, 2018 12:33 am

I know it's warm and cozy doing your spring cleaning inside, but remember that spring cleaning plans should include a thorough walk around outside as well.

The Marsh & McLennan Agency LLC (MMA) in Minneapolis tells homeowners that an early inspection and maintenance of their property is extremely important to prevent risk. To assist in that, MMA has compiled a checklist of things to inspect each year:

Review the roof. The company suggests starting by inspecting your roof for broken or missing shingles and interior rafters for water stains. Most water stains will be found around or below an inadequately flashed chimney, skylight and other openings.

Gutt the gutters. MMA says gutters are able to perform when kept clean, so remove dirt and debris from all gutters and downspouts.

Look at lights. Lighting maintenance includes inspecting street lights, outdoor light fixtures, and indoor common-area lighting to promote safety and security. Make sure lights are clean and void of any dust, dirt or salt, which can result in lost energy and money. If lights are burnt out, think about replacing them with high efficiency CFL or LED bulbs.

Don't miss the deck. When inspecting a deck or porch, look for peeling, splintering or rotting boards, and whether the wood is unprotected. If left unprotected, wood will soak up moisture and could lead to very serious damage. If a deck or porch needs to be resealed, clean it first with soap and water to clear off any mildew or mold, then after it is clean and dry, apply sealant, stain or paint.

Take care of trees. Remove dead wood and broken branches from trees or bushes. Replant shrubs, bushes and/or flowers that have worked their way out of the soil, and rake the ground.

Freshen with fertilizer. If necessary, add new soil, mulch and/or sod and lay fertilizer. Then, plant any new seeds or plants and implement a watering schedule.

Patch potholes. Finally, MMA says spring is a great time to repair cracks and potholes. First, determine the source of the issue so you can address and fix the root of the problem. It is always best to make these repairs as quickly as possible to prevent any type of hazardous conditions.

Published with permission from RISMedia.

How to Plan Your Outdoor Space

March 19, 2018 12:33 am

If you’re a new homeowner - or a veteran homeowner who’s ready for a change - it’s a wise idea to approach your landscaping and outdoor living space with a well thought-out gameplan. Here are some steps to follow for creating a yard that will serve as a welcome extension of your home.

Start by considering how you’ll use the space. While your home may already have a front porch or back deck, there may be an area of your yard that you envision using more, so plan accordingly.

Take a good look at existing trees, shrubs and large plants and consider whether they should stay put or be relocated based on how you will use your yard.

Consider privacy. How important is privacy to you? Determine whether you’ll want to install fences or a row of trees to create a privacy barrier for your most frequented outdoor space.

Think about what amenities are most important to you. Do you plan on entertaining a lot? Then an outdoor kitchen and/or bar may be part of your plans. Cozy, quiet evenings outside? A small firepit or chiminea will do the trick.

Consider furnishings. Outdoor furniture has advanced to new heights, these days. Will you want a full set of cushioned chairs and couches? An outdoor carpet? Or will a simple set of adirondack chairs and a teak table set for dining suffice? Map out what will best suit your space and your lifestyle needs.

Plan for lighting. No matter how simple or extravagant your outdoor space becomes, the right lighting is essential. Plan on a mix of pathway lights and spotlights for practicality. Solar options are ideal. Also consider decorative options, such as string lights and lanterns for ambience.

Plant wisely. Make sure you choose plants that suit your level of gardening enthusiasm. If you’re looking for minimal maintenance, stick with perennials, evergreens and grasses. If gardening is your passion, go for more elaborate flowers and shrubs that flourish with extra care.

Published with permission from RISMedia.

Kickstart Healthy Habits

March 19, 2018 12:33 am

(Family Features)--When it seems that everyone around you is feeling under the weather, you can be your own best line of defense against getting sick. Help ward off sickness for yourself and your family with these self-care tips that help promote healthy habits and fight off illness.

Eat right. A diet that is rich in fruit and vegetables can give your body the immunity-boosting nutrients it needs to function properly. Avoid excess, empty calories and instead aim for meals that deliver a healthy balance of all food groups.

Wash, wash, wash. Kids and bacteria go hand-in-hand, literally. Kids' hands are everywhere, including some surfaces that may be more susceptible to bacteria. Hand-washing is a simple way to encourage healthy habits all year round. According to the Centers for Disease Control and Prevention, hand-washing is an important step to help avoid getting sick and spreading germs to others.  

Get up and move. Exercise is one of your strongest weapons against illness. A regular routine that gets your blood pumping is good for overall health and your immune system. It can help flush toxins and keep your body in top condition.

Just say no. When it comes to protecting yourself and your family, give yourself permission to draw hard lines about spending time with those who aren't feeling well. Reschedule play dates or other events that might unnecessarily expose your family to germs.

Rest up. When your sleep schedule is off, so is your whole system, and that makes you more susceptible to illness. Everyone's precise sleep requirements are different; you'll know you're getting enough if you feel rested when you wake up. If you're not, and more overnight rest isn't realistic, look for ways to sneak in some extra rest time during the day.

Enjoy the outdoors. Even when it's cooler than you'd like, brief time outdoors can do plenty to lift your spirits and, in turn, your overall well-being. The fresh air and vitamin D from a bright, sunny day are free and easy ways to give your body a boost and help ward off illness.

Source: Softsoap

Published with permission from RISMedia.

4 Cocktail Party Tips for Newbies

March 15, 2018 1:03 am

One of the best ways to ease into home entertaining is the cocktail party: it’s festive, yet relaxed, and saves you the stress and expense of providing a full-course meal. A cocktail party also places understood parameters on the length of the party, denoting an affair that takes place prior to dinner.

If you’re new to cocktail parties, however, it’s easy to get tripped up in the do’s and don’ts. Here are some great tips from the experts at for making your cocktail party a great success:

Keep the guest list in check. While too few people will make any party a bust, cocktail parties should be fairly intimate in nature as opposed to an all-out bash. Aim for a dozen or so guests.

Streamline the cocktails. Have enough beer and wine on hand to accommodate your guests, then make your party festive by serving one or two specialty cocktails to suit the season, such as margaritas and cosmos in summer, or Manhattans and martinis in winter. Pre-mix your specialty cocktails and have them available in decorative decanters or pitchers so that guests can help themselves.

Have enough food, but not too much. Resist the urge to go overboard on food by keeping in mind that guests are not expecting dinner. Prepare a couple of hot hors d’oeuvres, then make the rest no-prep items, such as olives, seasoned nuts, one or two fine cheeses, and crudites.

Do all your prep in advance. Most importantly, make sure all your work is done in advance so that you can actually participate and enjoy your party. Make your hot appetizers ahead of time, place everything out before guests arrive, including small plates, napkins, water and anything else that might be needed so that you’re not running around handling requests. All that’s left to do? Enjoy!

Published with permission from RISMedia.

5 Ways to Promote Gender Equality in the Workplace

March 15, 2018 1:03 am

(Family Features)--Although women are making strides in the corporate world, there is still work that can be done to level the landscape.

Research from Catalyst, a global nonprofit focused on empowering and accelerating women in business, shows the needle is moving, albeit slowly. In nearly 10 years, the number of women in senior roles in the United States increased just 1 percent. At Standard & Poor's 500 index companies, overall women's representation is far behind: 5.2 percent CEOs, 11 percent top earners and 26.5 percent senior-level officials and managers. Less than 5 percent of senior level positions are held by women of color. Men still lead more than 95 percent of the most powerful companies in the United States.

If you're looking for ways to promote change in your workplace, explore these five steps that can help build a work environment where everyone can advance and succeed:

Engage in programs that celebrate women of color. Tap into resources that honor women in leadership and foster growth for aspiring women leaders from racially and ethnically diverse backgrounds, such as those available through Catalyst. The nonprofit offers a host of ongoing workshops, programs, trainings and consulting services designed to promote inclusive workplaces, along with events around the world. For example, the "Catalyst Skyline Takeover," which is a visual realization of the international business community's commitment to greater diversity, inclusion and gender equality in workplaces around the world features dozens of global companies "lighting up" their buildings with the female symbol.

Assess and formalize pay scales. As numerous studies indicate, wage disparity is one of the most obvious signs of inequality in the workplace. A fair pay scale outlines specific responsibilities and corresponding compensation rates and can be applied to roles across the board regardless of race, gender or other potential discriminatory factors.

Ensure growth opportunities exist. Leveling the pay scale is an important step, but ensuring equal access to the positions at the higher end of that scale is an essential supporting move. Simply saying you'll pay a woman the same as a man in the same job falls short if all candidates, regardless of gender, race or ethnicity are not given the same chance to compete for more senior positions.

Implement mentorship programs. Positive role models can give future leaders the vision to dream big and the guidance to make those dreams a reality. Putting aspiring women leaders in close contact with other women who have attained success in their field helps set a course toward achievement. It also helps men to advance and develop unbiased leadership. Since the majority of business leaders are currently men, change for women can only be accelerated if all those in leadership positions work together.

Support parental involvement. Historically, the issue of parenting and the workforce has been dominated by discussions around maternity leave policies, but more recently, that dialogue has evolved. Men, too, desire more time with their families, and through equal parental leave policies, workplaces can allow women and men within all types of family structures to thrive in their careers and at home.

Source: Catalyst

Published with permission from RISMedia.

How to Prevent Home Flooding Disasters

March 15, 2018 1:03 am

When it comes to home damage, a busted pipe can create major havoc. But how can you plan ahead to save your space for water damage?

"The best solution is prevention," says Michael Petri, owner of Petri Plumbing & Heating. Below are Petri's top prevention tips.

Locate and tag your valves. It's important to be able to locate and turn off a main water or gas valve quickly in case of emergency. Petri offers this as a free service, but most plumbers will find and tag these for you.

Inspect and maintain your pipes. Most home flooding damage is caused by corroded, rusty or frozen pipes. Have your pipes inspected annually to check for problems and proper insulation. Even with spring around the corner, temperatures are still dipping below freezing, and burst pipes are still a possibility.

Look for signs of a problem. Pay attention to signs of a leak, including an increase in your water bill, banging pipes, rust stains, moisture on the walls or floor, or wet soil at the foundation. Also, search for weaknesses in supply and drain lines around toilets, water heaters and washing machines.

Protect drain lines. Never pour grease down the drain. Plant trees away from drain lines so roots won't damage pipes. If you live downhill or below street level, you may need a plumber to install a backflow prevention assembly to prevent sewer drainage from backing up.

Tackle problems quickly and professionally. If you suspect a leak or other plumbing issue, don't procrastinate repairs or have someone who isn't qualified attempt the project. A minor inconvenience can become a major problem if it isn't handled quickly and effectively. You risk more significant damage to floors or ceilings, as well as possible mold contamination.

Source: Petri Plumbing & Heating

Published with permission from RISMedia.

There’s an App for Personal Finance, Too

March 14, 2018 12:54 am

Where would we be without our favorite apps? From tracking our steps to buying our movie tickets, smartphone applications have enhanced and simplified our lives on many levels. According to financial expert and author Eric Tyson, you can also make your financial life easier and more convenient with personal finance apps.

While not every app is right for every person, Tyson, the author of “Personal Finance in Your 20s & 30s For Dummies®” says the following personal finance apps are usually safe bets:

FRED. The St. Louis Fed's signature economic database, FRED (Federal Reserve Economic Data), provides a wealth of data on the economy and financial markets through this app, without ads.

Vanguard. According to Tyson, the Vanguard app "has a broad array of cost-effective funds with solid long-term performance.” He also recommends the T. Rowe Price and Fidelity apps, and advises checking to see what apps are offered from your favorite investment firm or bank.

Goodbudget. Tyson likes the simplicity and practicality of this expense-tracking app. The basic version provides up to one year of expense-tracking history in 10 main categories. There’s also a paid or premium version, which provides up to five years of expense tracking with unlimited categories, as well as email support.

GasBuddy. This free app will show you gas prices at various service stations in your area so you can compare and get a good price when you fill up.

Tollsmart Toll Calculator. This is a low-cost app that lets you compare toll costs for alternative routes.

Camelcamelcamel. A price tracker that scans items on Amazon, shows you their price history, and sends you alerts when a product you're interested in drops in price.

PriceGrabber. This app scans items everywhere online, allowing you to save money on commonly purchased items.

Eric Tyson, MBA, is a best-selling personal finance author, counselor, and writer. He is the author of five national best-selling financial books including “Investing For Dummies,” “Personal Finance For Dummies,” and “Home Buying Kit For Dummies.” He has appeared on NBC's Today show, ABC, CNBC, FOX News, PBS, and CNN.

Published with permission from RISMedia.