Investing in your home renovations

submitted by Scott Miller, Service Manager, C & C Family Roofing

Today’s definition of a responsible homeowner is someone that stays ahead of the game with regards to home renovatiocn. That homeowner maximizes their income by providing upgrades that will not only increase their home’s value but also save money on home repairs.

The outside of the house is the primary defense against Mother Nature and usually has the biggest expenses. First and foremost is the roof. The primary alarm that tells most that their roof in compromised is the water damage. The most effective way to determine whether it’s time for a new roof is a visual inspection.

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Preplanning versus final expense insurance

submitted by Jason “Oz” Oszczakiewicz, Owner/Supervisor, Varcoe-Thomas Funeral Home of Doylestown, Inc.

Today, many insurance companies are trying to sell more final expense insurance policies to older Americans for the benefit of paying for their funerals. Companies hold seminars to inform people that the national average for a funeral today is $8,000 or more and that they should purchase a policy to cover those expenses.

What many people do not realize is that many times they are paying too much for a policy by relying on that information and not directly inquiring about the cost within a funeral home. When speaking with a funeral director, a consumer will begin to understand the many options that are available for funeral and cremation services and the differences in costs for those services.

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Mulch provides significant benefits to your garden

submitted by Jim Trymbiski, Victory Gardens, Inc.

If you are reading this article, it may be because your garden is in need of some springtime TLC. At the start of the season, the soil is often ugly, and weeds have taken over. Certain types of pests, some that are winged and some of the six or eight-legged variety, have infested the land that you worked so hard to perfect.

Have no fear – mulch will come to the rescue and restore beauty to your gardens. Although it may come as a surprise, mulch can provide gardens with many benefits. Mulch helps your garden to thrive and look pretty at the same time. Here are some of the major benefits that mulch provides to your garden:

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Be careful if different people handle your finances and health care

submitted by E. Garrett Gummer, III, Esquire, and Maureen L. Anderson, Esquire, www.GummerElderLaw.com

It is not uncommon for seniors to name one person in their financial power of attorney (POA) to handle their finances if they become incapacitated and to name someone else in their health care POA to handle their health care decisions.

For instance, a senior might live with one child or be very close to him or her, and trust that child to make medical decisions – because the child is familiar with the senior’s day-to-day health issues.

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Can your garden get a boost from mushroom compost?

submitted by Jim Trymbiski, Victory Gardens, Inc.

Looking for something to supercharge your garden soil? Mushroom compost might be your best bet. Despite its slightly misleading name, mushroom compost isn’t comprised of fungi. Instead, it’s an inexpensive byproduct of the mushroom-growing process.

Growers use organic materials like straw, peat, gypsum, manure, corn cobs, poultry and other organic materials to create a nutrient-rich compost that, when used correctly, can greatly improve growing conditions in your garden.

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How to maintain a pollinator population

submitted by Dublin Agway

According to the Penn State Department of Entomology, US and European beekeepers have suffered substantial colony losses in recent years. The US has lost 30% of its managed colonies every year since 2006. Pollinators, such as honeybees, are important for more than honey. They are responsible for pollinating up to 75% of our food crops including fruits, vegetables, and nuts that balance our diet.

There are several factors being linked to the decline, including parasites such as mites, pesticides and the loss of natural habitat. The combination of factors seems to make it worse. There are several things a home gardener can do to help maintain the pollinator population.

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On-site cremation vs. third-party cremation

submitted by Jason “Oz” Oszczakiewicz, Owner/Supervisor, Varcoe-Thomas Funeral Home of Doylestown, Inc.

There are many things to consider when a family selects cremation as a form of disposition and one of the most important decisions is the consideration when selecting a firm that may or may not provide on-site cremation services. State laws dictate that funeral homes in NJ cannot own their own, nor operate, an on-site crematory so they must use a third party cremation provider for families.

On the contrary, Pennsylvania funeral homes are allowed by law to own and operate a crematory on-site with the funeral home building. When a family selects a funeral home with an on-site crematory their loved one will be transferred from the place of passing directly to the funeral home and remain at the same location until the cremation occurs and the process is finalized.

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Here’s help for people who have to manage someone else’s money

submitted by E. Garrett Gummer, III, Esquire, and Maureen L. Anderson, Esquire, www.GummerElderLaw.com

Have you been officially asked to manage someone else’s money? For example, have you been named as an agent under a power of attorney or a trustee of a trust?

As our society ages, more and more people are being asked to take on these roles, but they can be daunting. In order to help, the U.S. Consumer Financial Protection Bureau has published four free guides under the general title, Managing Someone Else’s Money.

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Why mulch?

submitted by Jim Trymbiski of Victory Gardens, Inc.

There are numerous reasons to mulch your landscape and flowerbeds. Aside from the attractive appearance created from a well-mulched garden, here are a few additional reasons to consider mulching this season. Mulch helps to maintain moisture in the soil by protecting it from evaporation from the sun.

A covering of mulch will keep the soil cooler in the summer and warmer in the winter. Maintaining a more steady soil temperature will promote better root development resulting in increased growth and blossoms.

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What is a warranty worth?

submitted by Scott Miller, Service Manager, C & C Family Roofing

With life being more hectic it would only make sense that families would make a lot of purchases. When the purchase only costs a minimal amount we tend to not waste money on a warranty. We usually would just take the item back to the store and hope they replace it or just buy another one.

That may be good for small items but what about big purchases like major home improvements? What type of warranty do I get and is it worth the money?

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