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

6 Ways to Cut Your Grocery Bill

March 28, 2011 9:45 am

RISMEDIA, March 28, 2011-Grocery shopping takes a big bite out of most budgets. The average family of four spends nearly $6,000 a year at the supermarket. But you don't have to. In fact, it's easier to trim your grocery bill than to cut back on most other household expenses. The experts at Consumer Reports offer the following ways to save money on your grocery bill.

- Have a plan. Make a list before you leave home and be sure to use the supermarket flyer from your mailbox or the store's website to take advantage of weekly sales. But read it carefully-don't assume that every featured product is on sale. Manufacturers might have paid for placement.

- Get with the program. You usually have to sign up for a club card to get advertised sale prices. The programs are free, and some entitle you to extra members-only specials.

- Pace your purchases. You rarely have to pay full price for the staples you buy again and again. Products go on sale at predictable intervals that are easy to figure out if you read your store's flyer every week.

- Buy store brands. Most supermarkets offer their own private-label brands, which cost around 25% less than comparable big-name brands. We found that savings are no longer limited to canned fruit, frozen veggies, and paper towels. Stores are now putting their own names on cold cuts, baked goods, and fancy sauces.

- Clip and click coupons. Clip coupons for products you buy often. Savings will add up quickly if you redeem manufacturer and store coupons at the same time, a practice known as "stacking." You can find coupons in weekly newspaper inserts, at the store, and increasingly on retailer websites. Go to sites like and to search for discounts. You'll have to register to download and print coupons, which might generate some spam, so you may want to set up a separate e-mail account just for coupons.

- Shop smarter. Stores use a variety of tactics to coax you into spending more. For example, shelves are often stocked with the priciest items at eye level. So check high and low for better deals. Be aware that products on aisle ends aren't always on sale. Sometimes these "end caps" display new items at full price or stuff that's about to expire. Check unit prices-the price per ounce, per quart, or per 100 sheets-to make sure you buy the most economical size. Larger packages aren't always cheaper.

And don't be lured into buying more than you want by "three for a dollar" sales. In most cases, you don't have to buy the suggested quantity to get the discount.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

5 Tips for Picking the Perfect Hotel or Resort

March 28, 2011 9:45 am

By Barbara Pronin, RISMedia Columnist

RISMEDIA, March 28, 2011-Times are tough, and it may take months to save for next year's family vacation. Many consumers search online to find the best deals and bargains. What should you look for now to get the most bang for your hard-earned vacation bucks next year?

"With the number of promotions out there right now, you would think the decision should be easy," said a representative of the website "But since every traveler has different needs, we try to break the decision down into its parts."

Independent Traveler offers these tips for making the best hotel or resort choice:

Location Do you want to spend your time at the beach? In the mountains? In a large, metropolitan city? Knowing where you want to go makes it easier to make a targeted search. Using sites like Expedia or gives you the ability to choose a hotel location based on its proximity to a specific lake, amusement park or city landmark.

Price Most travel websites give you the option to sort your results by price. Use them to check prices first, then call the hotel directly to see if they can go even lower. If price is your biggest concern, you may want to place a bid on, where you will see the hotel's rating but not its name until after you have booked it.

Amenities Most of the major hotel booking engines allow you to specify certain amenities when you're searching, such as a fitness center, swimming pool or a restaurant. and Travelocity make the process easier by allowing you to compare several hotels side by side so you can weigh such factors as star ratings, amenities, rates and room types.

Local flavor If you'd rather avoid the big chains, there are many B&B's, inns and small independent hotels that don't appear on the major booking engines. You can find them by typing bed and breakfasts, vacation rentals or homestays into your browser's search engine.

Recommendation Websites and guidebooks are great, but if you are interested in the reactions and opinions of other travelers, check out sites like Trip Advisor, Virtual Tourist or My Travel Guide.

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

3 Common CFL Myths Debunked

March 28, 2011 9:45 am

RISMEDIA, March 28, 2011-When you install Energy Star qualified compact fluorescent light bulbs (CFLs), there are financial and energy savings to be realized; however, there are a few misconceptions about CFLs that have kept some homeowners on the fence. Focus on Energy, Wisconsin's statewide program for energy efficiency and renewable energy, is tackling those myths in an effort to educate homeowners across the country and help them realize the positive impact switching to CFLs provides.

Myth 1: CFLs are expensive.

Fact: Energy Star qualified CFLs save money by lasting up to 10 times longer and using 75% less energy than standard incandescent bulbs. In fact, one CFL saves about $30 in energy costs over its lifetime and will pay for itself within six months.

Myth 2: CFLs won't fit in my fixtures.

Fact: Energy Star qualified CFLs have come a long way in the last few years. These days, CFLs come in a range of sizes and styles, like dimmable, recessed, three-way, flood, and candelabra, to name a few. Plus, CFL technology has advanced dramatically to produce light that is warm and inviting without the delay, flicker, hum, or buzz common with early fluorescent lights.

Myth 3: CFLs are hazardous.

Fact: While CFLs contain trace amounts of mercury, it's less than you'll find in your average watch battery or silver tooth filling. The mercury is not emitted when the bulb is in use, intact, or being handled, which means they are safe to use. Like all products containing mercury, CFLs should not be thrown in the trash when they eventually burn out; they need to be recycled.

CFLs are less hazardous to the environment, too. In fact, if recycled properly, a CFL actually puts less mercury into our environment than an incandescent light bulb. Simply put, every time a light switch is flipped, coal is burned at a power plant to produce electricity to power the bulb. Burning coal releases mercury, carbon dioxide (CO2), and other toxins. So using a more efficient light bulb results in less coal being burned, reducing the levels of toxins in the air. Imagine the positive impact on the environment if every homeowner used CFLs.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

6 Steps to a Green Kitchen

March 28, 2011 9:45 am

RISMEDIA, March 28, 2011-When homeowners take on a kitchen remodeling project, they are increasingly choosing eco-friendly materials and contractors; this improves the environment, their overall health and reduces energy costs

When considering a kitchen remodel, many homeowners are choosing to use eco-friendly products and contractors for a variety of reasons. Some have concern for the environment or their overall health while others have allergies or are chemically sensitive. Almost everyone remodeling their kitchen today is interested in lowering their energy consumption and their electric and water bills. offers six ways homeowners can make their kitchens greener when remodeling.

1. Choose energy-efficient appliances. When purchasing a new refrigerator, dishwasher or other appliance, choose ones that are certified energy efficient. Use the water and energy-saving settings as often as possible. Plus, some states offer rebates for homeowners who use energy-efficient models.

2. Install energy-efficient lighting. When working on the kitchen remodel design in their new space, homeowners can increase their natural light to cut down on the need for electricity. Choose fixtures that are compatible with compact fluorescents (CFLs), which save 75% of the electricity that incandescent bulbs use. These are slightly higher in initial price but last eight times as long and will significantly cut down on energy bills.

3. Purchase green kitchen cupboards and cabinets. There are more eco-friendly kitchen cupboards and cabinets available today than ever before. These are constructed of rapidly renewable resources or recycled materials. Homeowners who are thinking about remodeling their kitchen should ask their contractor about wheatboard, bamboo and other green cabinet products. Additionally, they should inquire about water-based adhesives and finishes.

4. Choose green products when remodeling your kitchen. For flooring, cork is highly durable, comfortable and an excellent insulator of sound and heat. Cork is also hypoallergenic and environmentally friendly. Concrete is excellent for flooring, countertops and other areas because it does not have harmful fumes, glues or laminates. For countertops and backsplashes, homeowners can choose from a variety of durable and attractive eco-friendly options, such as vertrazzo and recycled glass tiles.

5. Remodel with hypoallergenic materials. These materials are not toxic, like some building materials, and will not lead to harmful indoor air quality. Homeowners should look for low-toxicity finishes and surfaces, and water-based adhesives and finishes without synthetic formaldehyde resins. Paints should have low-VOC or no-VOC (volatile organic compounds).

6. Choose green kitchen remodeling contractors. When a homeowner is getting quotes from contractors, they should inquire about their products and building methods to ensure they are eco-friendly. Increasingly, contractors are becoming more conscious of their materials and methods and will be able to meet a homeowner's needs.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Word of the Day

March 25, 2011 8:13 am

Quit-claim deed. A conveyance by which the grantor transfers whatever interest he or she has in the real estate without warranties or obligations.

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Q: Will I be able to buy again after losing a home to foreclosure?

March 25, 2011 8:13 am

A: It can happen. But a lot will depend on your circumstances and the mortgage interest rate you are willing to pay. Generally, most lenders will consider your request for a home loan two to four years after your foreclosure. Predatory lenders will issue a home mortgage in less time. But beware they routinely charge high mortgage interest rates, fees, and penalties for this privilege.

A quality lender will expect you to show that you have cleaned up your credit. Providing a reasonable explanation about the circumstances that led to the foreclosure such as exuberant medical expenses is also helpful.

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Six Secrets to a Great Resume

March 25, 2011 8:13 am

By Barbara Pronin, RISMedia Columnist

RISMEDIA, March 25, 2011-In today's economy, when job-hunting puts you in stiff competition, getting your resume to the right people can be a daunting task. But, say most hiring executives, the real secret to getting hired may be in convincing the hirer that your qualifications come closest to the match their company is looking for.

Resume writer Jen Feibel suggests the following secrets to getting your resume noticed:

Understand the job and the company. Do enough research to understand as much as you can about the work and culture of the company you are applying to, and as much as possible about the specific job that is being offered.

Tailor your resume. The goal is to show how closely your background matches what the company is looking for. Don't fudge, but do point out your most relevant experience or training.

Begin with a summary. Work hard on a concise but information-packed summary describing your unique qualifications and/or training as they relate to what the company is seeking.

Emphasize results and accomplishments. Instead of listing, 'sales manager for X department store,' write 'Sales Manager of the Month for three quarters at X department store,' or 'one of 10 finalists in National Student Marketing competition.'

Use headings and boldface sparingly and to your advantage. There is no right or wrong way to do it, so again, call attention to the parts of your resume that most closely match what the company is looking for.

Keep it to one page. Most employers expect a one-page resume, especially from younger workers or recent graduates. Even more experienced workers should make the attempt to keep their resumes brief but relevant.

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Residential Remodeling Activity Rose 18 Percent Year-Over-Year in December 2010, According to BuildFax Remodeling Index

March 25, 2011 8:13 am

RISMEDIA, March 25, 2011-With the economy continuing to exhibit a slow recovery and mortgage rates inching up from historical lows, many Americans have chosen to remodel their current homes rather than purchase a new house or apartment. BuildFax, a leading provider of building permit data recently released the latest findings of its monthly BuildFax Remodeling Index (BFRI), in addition to a comprehensive review of remodeling activity throughout last year. The findings indicate that in December 2010, residential remodeling activity rose 18% year-over-year and for the fourteenth straight month.

The BFRI is one of the only sources directly reporting residential remodeling activity across the nation. The monthly information, derived through related building permit activity filed with local building departments across the country, reports trends in remodeling activity for the entire United States, as well as for the four major regions of the country: Northeast, South, Midwest and West.

The latest report details remodeling activity through December 2010 and provides month-over-month and year-over-year comparisons for the entire nation and the four regions included in the index. In addition, with the inclusion of the December data, BuildFax has released its 2010 remodeling Year in Review. According to the BFRI 2010 Year in Review, in most of the country, remodeling in 2010 resembled what 2008 might have looked like had the housing market not collapsed. In the Northeast, however, 2010 was the worst year in the history of the BuildFax Remodeling Index.

"Throughout the country-even in the lagging Northeast-the last quarter of 2010 shows promise for increased remodeling activity in 2011," said Joe Emison, vice president of research and development at BuildFax. "The winter is always the trough of the seasonal remodeling cycle, and December 2010 was better than or equal to December 2009 in every region of the country."

On a regional basis, the West and South both saw better-than-average remodeling activity in December, with the South posting a four-year high, and the West posting an index high. The Midwest suffered its usual significant November-to-December decline, and the Northeast continues to lag all other regions while still showing signs of recovery. The BuildFax Remodeling Index for the Northeast was down 4.1 points (5%) month-over-month but up 1.3 points (2%) year-over-year; the South was down 0.6 points (less than 1%) month-over-month but up 9.1 points (12%) year-over-year; the Midwest was down 11.8 points (11%) month-over-month and down 0.1 points (less than 1%) year-over-year; and the West was up 2.9 points (3%) month-over-month and up 11.3 points (12%) year-over-year.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia. National Survey Reveals Renter Moving Plans for 2011

March 25, 2011 8:13 am

RISMEDIA, March 25, 2011-For the first time in years, the apartment rental market is beginning to experience signs of recovery as the U.S. economy slowly begins to strengthen. Reuters reported the rental vacancy rate fell to 9.4% in the fourth quarter of 2010 from 10.3% in the July-September period-the lowest since the second quarter of 2007. Witten Advisors predicts rents will increase 4.5% in 2011 as operators become aggressive in raising rents with little fear of losing customers to other housing options. In response to this news, conducted a national survey of more than 1,800 of its January website visitors to find out about their 2011 moving plans, including reasons they are moving, when they plan to move and which tools they value most during their apartment search.

Socioeconomic factors are often the leading indicator of growth in the housing industry. survey results revealed nearly three times the number of respondents-or 28.8%-are looking to move to relocate for employment opportunities in January 2011 compared to 10.4% from the previous year, further corroborating news of an improving rental market in 2011. Other key findings from the survey demonstrated many renters are starting their apartment search earlier in the year, a large volume of current homeowners and first-time renters are entering the market and having access to accurate apartment information is paramount when looking for a new place to live.

The primary factor fueling moves for survey respondents are new job opportunities. However, the desire to have more space, affordability and living in a safe neighborhood also topped the list. The five most popular reasons survey respondents are moving in 2011 include:

-Relocating for employment opportunities: 28.8%

-Looking for a bigger apartment: 13.3%

-Shopping for a less expensive apartment: 9.7%

-Rent increase: 6.7%

-Wanting to live in a safer neighborhood: 5.7%

A significant number of respondents indicated they are apartment shopping now for a move that will not take place until much later in the year. According to the survey, nearly 20% of respondents are starting their apartment search three to four months in advance and nearly a quarter are looking as early as five months to more than a year out.

"It's a good idea to lock into a lease right now," states Chris Brown, vice president of product management, "Many management companies have announced rent increases and we're starting to see this reflected in the rents advertised on our site.

As vacancy rates continue to drop and the rental market improves, we expect to see the upward trend grow. Deals can still be had, but they're getting harder to find. Use the tools available online to search for apartments by rent ranges that work with your budget."

Supporting a growing trend in the industry, more than 20% of respondents looking for an apartment this year said they are current homeowners. From these survey respondents who said they are current homeowners, 32% are also first-time renters, indicating a significant number of current homeowners and new renters are turning toward the rental market in 2011.

Survey respondents who are former homeowners also said they are renting this year because it affords them a lifestyle they prefer, including flexibility to relocate for employment opportunities and to live where they choose. visitors want access to accurate apartment information and the option to tailor their searches by price and location when looking for a new place. According to the survey, 64% of respondents said being able to check real time availability of a specific apartment matters most and 72.2% said the two most popular ways they prefer to search for an apartment is by the "cost of rent" or "location."

It is also clear that renters are tapping multiple resources to find their next apartment. While 81% of visitors surveyed said they are using an Internet Listing Service (ILS) during their apartment search, they are also utilizing popular search engines, listening to recommendations from others and reading their local newspapers. Only 5% said they are using social media websites during their search. Renters ranked their top apartment shopping tools as follows:

-Internet Listing Service (e.g., and 80.9%

-Online apartment classified listing websites (e.g. Craigslist and Oodle): 46.2%

-Search engines: 38.4%

-Word of mouth: 31.1%

-Local newspaper: 27.1%

Renters also want instant access to information on-the-go. According to the survey, 80% of respondents indicated they use a mobile device during their apartment search. Nearly half of these respondents said they use a smartphone or device including iPhone, iPad, Android or BlackBerry during their apartment hunt. answers the needs of on-the-go renters by offering a mobile version of the website and an app for iPhone and iTouch users.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Housing Affordability Rises to Highest Level in Two Decades

March 25, 2011 8:13 am

RISMEDIA, March 25, 2011-Nationwide housing affordability during the fourth quarter of 2010 rose to its highest level in the 20 years since it has been measured, according to National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI) data. The HOI indicated that 73.9% of all new and existing homes sold in the fourth quarter of 2010 were affordable to families earning the national median income of $64,400. The record-setting index for the fourth quarter surpassed the previous high of 72.5% set during the first quarter of 2009 and marked the eighth consecutive quarter that the index has been above 70%. Until 2009, the HOI rarely topped 65% and never reached 70%.

"Today's report shows that housing affordability at the end of 2010 was at its highest level since we started computing the HOI," said Bob Nielsen, chairman of the National Association of Home Builders (NAHB) and a home builder from Reno, Nev. "However, while this is good news for consumers, both home buyers and builders continue to confront extremely tight credit conditions, and this remains a significant obstacle to many potential home sales."

Indianapolis-Carmel, Ind., was the most affordable major housing market in the country for the second consecutive quarter, after relinquishing for a quarter the top spot it has held for five years. In Indianapolis, 93.5% of all homes sold were affordable to households earning the area's median family income of $68,700.

Also ranking near the top of the most affordable major metro housing markets were Youngstown-Warren-Boardman, Ohio-Pa.; Syracuse, N.Y; Warren-Troy-Farmington Hills, Mich.; and Detroit-Livonia-Dearborn, Mich.

Among smaller housing markets, the most affordable was Elkhart-Goshen, Ind., where 97.0% of homes sold during the fourth quarter of 2010 were affordable to families earning a median income of $58,600. Other smaller housing markets near the top of the index included Lansing-East Lansing, Mich.; Kokomo, Ind.; Mansfield, Ohio; and Bay City, Mich.

New York-White Plains-Wayne, N.Y.-N.J., again led the nation as the least affordable major housing market during the fourth quarter of 2010. In New York, more than a fourth-25.5%-of all homes sold during the quarter were affordable to those earning the area's median income of $65,600. This was the 11th consecutive quarter that the New York metropolitan division has held this position.

The other major metro areas near the bottom of the affordability index included San Francisco-San Mateo-Redwood City, Calif.; Honolulu; Los Angeles-Long Beach-Glendale, Calif.; and Santa Ana-Anaheim-Irvine, Calif., respectively.

Santa Cruz-Watsonville, Calif. was the least affordable of the smaller metro housing markets in the country during the fourth quarter. In Santa Cruz, 45.0% of the homes were affordable to families earning the median income of $84,200. Other small metro areas ranking near the bottom included Ocean City, N.J; San Luis Obispo-Paso Robles, Calif.; Laredo, Texas; and Santa Barbara-Santa Maria-Goleta, Calif.

For more information, visit

Copyright 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.