RE/MAX 440
Gail Ruth

Gail Ruth
4550 W. Tilghman Street  Allentown  PA 18104
Phone:  610-398-8111
Office:  610-398-8111
Cell:  610-390-5434
Fax:  267-354-6263

My Blog

Facing Foreclosure? What You Should Know

July 6, 2017 1:09 am

For those of us who own our homes, foreclosure may seem like a nightmare. If you’re looking at a possible foreclosure, there are several things you should keep in mind.  

Three payment rule. Generally, foreclosure proceedings begin after the borrower has missed three consecutive mortgage payments. The lender will record a notice of default against the property. And unless the debt is satisfied, the lender will foreclose on the mortgage and proceed to set up a trustee sale, where the property is sold to the highest bidder.

You have options. If you’re facing foreclosure, you still have a few options. You may be able to refinance the debt or extend the term of your mortgage loan. If you have mortgage insurance, the insurer may also be interested in helping you. The company can temporarily pay the mortgage until you get back on your feet and are able to repay their “loan."

You CAN buy again. If your home was foreclosed on, it doesn’t mean you will never be a homeowner again. 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.

Published with permission from RISMedia.


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How to Keep Your Pets Safe From Heat

July 6, 2017 1:09 am

Summertime may mean playtime with your furry family members. Trips to the beach or lake, long walks and zippy car rides can be hours of fun for your pet. But as temperatures rise, it’s important to pay mind to your pet’s health.

Below are four tips from Henry Schein Animal Health.

Heat stroke: Protect your pets from heat stroke, which occurs when your pet's body cannot maintain its temperature in a safe range. Pets can suffer heat stroke if left in a parked car or when exercising strenuously in hot weather.

Housing: Animals that are outdoors need shade and water at all times, though dog houses can become stifling in the heat.

Summer travel: Before bringing pets on a trip, be sure to pack, among other items, health and vaccination records, medications, veterinarian's information, and a first aid kit.

Water safety: When boating on open water, humans and pets should both wear life preservers should an accident occur. Pet parents should also be aware of dangerous currents when animals are playing in rivers and the ocean.

Source: Henry Schein Animal Health

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Secrets for Healthy Summer Grilling

July 6, 2017 1:09 am

Ready to fire up the grill this summer? You’re far from alone. Grilling is delicious, fun, and can save on your energy bills by keeping that cooking heat outdoors. If you’re looking to up your grill came, consider the following tips from Aramark and the American Heart Association (AHA).

Soak up the marinade
Start with a healthier marinade before you even light the grill. Healthier marinades contain herbs, spices & healthy oils. Reduce salt with wine vinegar, citrus-infused oil or a little mustard. Reduce added sugar with fruit purées. Try ripe mango or peach purée blended with dried cranberries or white raisins.

Rub on the spices
Spice rubs add flavor to meats, fish and chicken and have fewer calories than traditional BBQ sauces. Spice combinations are endless – from garlic, onion powder, dried basil, oregano, paprika, chili powder and cayenne to spicy Jerk chicken rub.                    

Burst of lemon everywhere
It's easy to cut the amount of salt you use on your grilled meats or seafood by 50 percent. Just replace with lemony goodness. Replace each ½ teaspoon of salt with 5 teaspoons of juice and 1 teaspoon of zest and drizzle flavor directly over foods as they cook. How you tend to food while it's on the grill can enhance and lock in flavor.

Start with veggies on the grill
Vegetables are great on the grill. Try them in Kabobs or grill them in slices to serve right next to fish, chicken or meat. Grilled veggies add excitement, freshness and flavor to any meal. Try grilling two or three for every main dish.

Pair fruits with entrées
Fruit is no longer just a snack or dessert. The sweet flavors of summer fruits help to enhance grilled seafood, chicken, or beef. Replacing other side dishes with fresh fruit is also a great way to add flavor with fewer calories. Add fruit to the plate and see the colors of summer in a whole new light.          

Baste on the flavor
Use a basting brush and pack on additional flavor over the flame. Baste green veggies with olive oil and herb mixes.                          

Top it all off
Not all flavor is added on the grill, some can be added afterward. Try toppings that add healthy flavors to the plate like a fresh fruit compote or salsa, or top with finely chopped grilled veggies.

Source:  Aramark, The American Heart Association

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8 Things Not to Do in an Airplane

June 30, 2017 12:54 am

Flying is often not fun these days, but these tips from Reader’s Digest may help make your next flight a bit more pleasant:

Don’t neglect skin care – Pressurized air is very dry. Moisturizing before a flight will guard against parched, itchy skin – and the sunblock in most moisturizers will protect against the radiation one study says is commonplace in aircraft interiors.

Don’t fall asleep before take-off – If you do, it will be harder for you to equalize the pressure in your ears. Hold off on your snooze until your ears pop.

Don’t close the air vent – Recirculated air may not be fresh, but doctors suggest that leaving the vent open keeps germs from lingering in your personal space.

Don’t order coffee or tea – A study by the Environmental Protection Agency said 12 percent of airplanes carry water that tested positive for bacteria. Since heating doesn’t fully kill bacteria, it may be best to skip that hot drink.

Or guzzle a soda – Increased altitude may cause intestinal gas to expand up to 30 percent. If you have a sensitive stomach, choose water over a carbonated drink.

Watch out for the seat-back tray – Studies show it’s the most bacteria-laden surface on the plane – even more so than the lavatory flush button. Clean it with an antibacterial wipe before using it – and don’t rest food or snacks directly on it.

Don’t sit for the entire flight – Sitting in one place for more than four hours can slow your circulation and may put you at increased risk for blood clots. Walk up and down the aisle every once in awhile or exercise your legs while seated  by flexing your feet, ankles and knees.

There are ways to avoid the middle seat – If you’re stuck with one and hate being stuck between strangers, sign up for free alerts at expertflyer.com. Enter your flight number to be notified when a better seat pops up. Then you can go to the airline’s website and change your seat assignment.

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Summer Safety Tips for the Whole Family

June 30, 2017 12:54 am

We all want to have fun this summer. But between bike rides, pool parties, fireworks and sun exposure, there is a slew of safety concerns to keep in mind while navigating the summer with your family. Below are a handful of family safety tips from the Christopher & Dana Reeve Foundation.

Diving do’s and dont’s. Before you dive into the pool, make sure the depth of the water is nine feet or deeper. Even if the depth is acceptable for diving, there are other factors that can impede a safe dive. If there is no diving board or you have been consuming alcohol, do not dive into the pool. And of course, do not run around the pool deck, as it is slippery and can lead to a dangerous fall.

On a boat? If you are exploring the open waters in a boat, make sure to stay a safe distance from other boats and follow the speed limit. Along with standard safety precautions, keep in mind that one should jump feet first off the boat rather than diving.

Splash sports. As for water sports and activities, always stay alert to what is going on around you. When body surfing, try to keep the board extended past your head.

Bikers, beware. A bike ride is the perfect way to get some exercise and relax, but it is important to wear a helmet when you ride. Your mother's old, cracked helmet is not suitable for proper protection. Always replace your helmet if you've had it for more than five years, and make sure it is level and fits snugly to your head.

Rules of the road. Motor vehicle accidents contribute to more than 35 percent of spinal cord injuries in the United States, so it is vital to stay alert when driving and not let any distractions get in the way. Regardless of what your passengers are saying or what texts are popping up on your cell phone screen, you should not let either take your eyes or focus off the road. Also, make sure your seatbelt is on properly, along with the other passengers, who should all be in their appropriate size seat.

Source: The Christopher & Dana Reeve Foundation

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Understanding the Serious Nature of Mini-Strokes

June 30, 2017 12:54 am

(Family Features)--Knowing the warning signs of a mini-stroke could help save a life.

A survey conducted by the American Heart Association/American Stroke Association shows one-third of United States adults have had symptoms consistent with a transient ischemic attack (TIA), also known as a mini-stroke, but only 3 percent called 911 for help.

"Ignoring any stroke signs could be a deadly mistake," says Mitch Elkind, M.D., chair of the American Stroke Association Advisory Committee. "Only a formal medical diagnosis with brain imaging can determine whether you're having a TIA or a stroke."

The survey showed 35 percent of respondents experienced at least one sign of a TIA or mini-stroke, such as sudden trouble speaking or a severe headache with no known cause. According to the online survey, those who suffered symptoms were more likely to wait it out, rest or take medicine rather than call 911.

Stroke is a leading cause of serious, long-term adult disability in the United States and among the top five causes of death. However, with proper, timely medical attention, stroke is largely treatable. The faster you are treated, the more likely you are to have a positive outcome.

The American Stroke Association's Together to End Stroke initiative, nationally sponsored by Medtronic, teaches the acronym F.A.S.T. to help people remember the most common stroke warning signs and what to do in a stroke emergency:

F - Face drooping

A - Arm weakness

S - Speech difficulty

T - Time to call 911

While the symptoms are the same, the difference between a TIA and a stroke is that the blockage is temporary, lasting between a few minutes and 24 hours. People who suffer a TIA, sometimes called a warning stroke, are more likely to have a stroke within 90 days, according to the American Heart Association/American Stroke Association.

Elkind says anyone who experiences a stroke warning sign that appears suddenly, whether it goes away or not, should call 911 immediately. This could improve the chances of an accurate diagnosis, treatment and recovery.
Stroke symptoms come on suddenly with no known cause and may include confusion, trouble speaking or understanding; weakness of the face, arm or leg, especially on one side of the body; trouble seeing in one or both eyes; trouble walking, dizziness, loss of balance or coordination; or a severe headache.

Source: StrokeAssociation.org.

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Selling Your Home this Summer?

June 29, 2017 12:42 am

To everything there is a season -- even when it comes to home staging. For those selling your home this summer, you will be thrilled to learn that Megan Morris from professionalstaging.com recently released her top successful home staging trends for the summer.

According to Morris, folks planning to stage their home to pay attention to the following:

Warm Textures. Throughout 2016, Morris says she saw rustic textures and surfaces rising in popularity in home staging and design. Textiles like reclaimed wood and cork bring a lot of character to a space while remaining neutral - an important aspect to home staging. Add some warm, natural textures to your home staging to create the perfect balance and make buyers feel at home.

Contemporary Glamour. Morris says this look takes the clean lines of contemporary design and accents it with some luxurious touches like faux fur, and metallic or glass surfaces. Contemporary glamour creates comfortable but upscale spaces that are simple but lavish - and buyers love how it makes them feel like they are somewhere special while still capturing a contemporary sensibility.

Taupe. Sherwin Williams named it their Neutral Color of the Year, as it offers a warmer neutral cross between gray and brown that fits with the overall desire for a cozy, yet contemporary space. Pair it with white and black to create some beautiful contrast that is perfect for home staging.

Green. Pantone announced their 2017 Color of the Year to be Greenery, which Morris calls a fabulous choice for both home staging and residential design because it is "nature’s neutral." It pairs wonderfully with taupe, which is ideal with rustic touches like wood and cork. She says incorporate it in textiles, like pillows or a throw, or use it in a more subtle way by placing some actual greenery in the form of plants around your home.

Copper Accents. Morris says copper has an antique look to it that brings a lot of character to a space and is completely timeless. Not only can it take on a glamorous vibe, it can also look more rustic and masculine depending on the sheen and how you use it. Another great thing about copper is its health benefits: it reduces more than 99.9 percent of bacteria. So it is perfect for high bacteria areas like the kitchen sink, faucets, and hardware.

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How to Take Care of the American Flag

June 29, 2017 12:42 am

You may want to show patriotism by flying an American flag outside your home. But do you know there are official rules on properly displaying the U.S. flag? Read the following tips from USAGov to take proper care of your red white and blue.

When: You can display the flag outside from sunrise to sunset. If you want to fly it after dark, it will need to be lit. Don't fly the flag during inclement weather, unless it's an all-weather flag.

On the porch: The union of the flag--the blue section with white stars--should be placed at the peak of the staff unless the flag is at half-staff. When the flag is suspended from a rope on a pole extending from a house, the flag should be hoisted out, union first, from the building.

On the wall or the window: When the flag is displayed on a flat surface like a wall, the union should be at the top left.

On the street: The flag should be suspended vertically with the union to the north in an east and west street or to the east in a north and south street. The flag should never touch anything beneath it, so make sure it's hoisted at the proper height.

At the office: Suspend the flag vertically with the union to the observer's left upon entering. If the building has more than one main entrance, the flag should be suspended vertically near the center of the corridor or lobby with the union to the north when entrances are to the east and west, or to the east when entrances are to the north and south. If there are entrances in more than two directions, the union should be to the east.

On a vehicle: The staff should be fixed firmly on the right side of the vehicle. Do not drape the flag over the hood, top, sides, or back of a vehicle or a boat.

Half-staff: During periods of mourning, it's common to see the flag flying at half-staff. Only presidents can proclaim such periods for a national remembrance. Governors can also declare mourning periods at a local level. In some cases, heads of federal agencies can order the flag flown at half-staff on grounds under their supervision. Traditionally, states and local governments follow the president's proclamation during a period of national mourning.

Source: USAGov

Published with permission from RISMedia.


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Tips for a Smoother Summer Road Trip

June 29, 2017 12:42 am

Hitting the road this summer? You’re far from alone. Road trips are one of the top travel choices of the summer season. To stay safe on the road, read the following tips from the Service Contract Industry Council and Motor Vehicle Protection Products Association.

Invest in a service contract. Road trips take a toll on your car. With a vehicle service contract, you can make sure your car gets the service it needs without breaking the bank.

Carry the right documents. Make sure you're carrying up-to-date driving documents including proof of car insurance, vehicle registration, and your driver's license.

Pack a safety kit! Even the smallest issues can cause a big inconvenience, so make sure to have some handy tools ready to go. Some emergency safety kit essentials are:

- first aid kit

- jumper cables

- flashlight

- road flares

- duct tape

- fire extinguisher

Download a gas station locator. When traveling long distances, gas stations can be scarce – and the last thing you want is to be stranded in some remote location. Apps such as Waze or GasBuddy can help you find stations along your route, so you always know where you can make a stop.

Make sure your tires are protected. Tire blowouts are more common with higher summer temperatures and increased travel. Help safeguard against tire trouble with tire and wheel road hazard coverage. You'll be able to get your tires repaired or replaced after damage from hazards like potholes or debris.

Source: Service Contract Industry Council and Motor Vehicle Protection Products Association

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Do You Want an ‘Age Friendly’ Community?

June 27, 2017 12:57 am

America's rapidly growing number of age-friendly communities is encouraging states, others cities, towns, and rural areas to prepare for the rapid aging of the US population by paying increased attention to the environmental, economic, and social factors that influence the health and well-being of older adults.

The age-friendly communities network was launched in April 2012 and operates under the auspices of the World Health Organization’s Age-Friendly Cities and Communities Program.

According to AARP, well-designed, livable communities promote health and sustain economic growth, and they make for happier, healthier residents, of all ages.

Age-friendly or livable communities have features such as walkable streets, housing and transportation options, access to key services and opportunities for residents to participate in community activities.

Grantmakers in Aging (GIA), a nonprofit comprised of philanthropies dedicated to improving the experience of aging, conducted a study to understand what principles would contribute to sustainable age-friendly efforts.

Beyond simply funding an effort, these principles outline five key characteristics that, when incorporated into age-friendly efforts, provide a primer for local action. The guiding principles, which are addressed in detail by a report titled "Guiding Principles for the Sustainability of Age-Friendly Community Efforts," include:

- Building public will by identifying and developing potential champions; fostering citizen commitment; addressing misconceptions of aging and older adulthood; communicating broadly; and celebrating accomplishments.

- Engaging across sectors by connecting with a variety of sectors, initiatives that benefit a wide range of ages and constituencies,and regional planning organizations - and inclusively embedding age-friendly efforts in established organizations and programs.

- Securing resources by identifying a backbone organization to drive age-friendly efforts; leveraging partnerships for non cash resources; and seeking diverse funding sources for start-ups and demonstration projects

- Finally, advancing age-friendly public policies, practices, and funding by being alert to sustainable funding streams; embedding age-friendly goals and strategies into municipal, regional, state and federal planning documents; and working with municipal, regional, state, and federal governments to adopt policies and practices that make communities and regions good places for people of all ages.

Learn how to get your community designated by visiting: aarp.org/livable-communities/

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