June Croissette
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RE/MAX 440   June Croissette
440 South West End Blvd, RT 309  Quakertown, PA  18951
Office Phone: 215-538-4400    Phone: 215-538-4400 Ext. 1210  Fax: 267-354-6834  Cell: 215-872-4966
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10 Useful Tips to Spring Clean the Pantry

April 24, 2014 4:10 am

To celebrate spring, Annie Chun's announced 10 tips to help consumers de-clutter the kitchen and prepare for a season of healthy, mindful eating. The recommendations support the brand's mission to empower at-home cooks with the tools, resources and products they need to feel comfortable in the kitchen and well-equipped to make a great meal.

While it's important to maintain a well-stocked and well-organized pantry year-round, Annie Chun's advises consumers to take advantage of annual "spring cleaning" with the following easy steps:

1. Remove all items from your pantry. Reassess all of the food and supplies you have accumulated, and clear your shelves of unhealthy, overly processed foods. This keeps the pantry free of temptation while making space for more wholesome options.
2. Identify "pantry staples" and always keep them stocked. Convenient, shelf-stable foods that deliver on flavor will help ensure you never go hungry and provide simple meal options that can be ready in minutes.
3. Check "best by" dates. Discard anything that may have expired or items that you hardly use which are nearing their expiration date in order to cut down on clutter. Pay attention to oils, nuts, grains and seeds which can go rancid over time.
4. Wipe down surfaces. Before re-stocking, be sure to wipe down shelving with a food-safe, gentle cleanser to eliminate any dirt, germs, etc.
5. Consider accessibility. For pantries with deep shelves, reorganize your products so that taller items are in back, and smaller items are in front, making it easy to see what you have.
6. Group "like" items together to ensure quick access when you need them.
7. Label and date things. For any non-packaged goods or foods that aren't shelf-stable, be sure to label and date them appropriately.
8. Employ the use of airtight containers. Air-tight containers will maintain your food at peak freshness for as long as possible, lessening the chance of spoilage.
9. Keep healthier, packaged snacks at eye-level. When better-for-you snacks—like nuts, dried fruit, and whole grain crackers—are right before your eyes, you're more likely to favor them in place of something unhealthy.
10. Keep a pen and paper nearby to keep track of your supplies so that you don't risk running out of anything you might need.

Source: Annie Chun’s

Published with permission from RISMedia.

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More Than Half of States Still Show Improving Housing Markets

April 24, 2014 4:10 am

Freddie Mac released its Multi-Indicator Market Index(SM) (MiMi(SM)) for February showing the U.S. housing market overall recovering at a slightly slower pace from the previous month. However, more than half of all states, as well as more than half of the top 50 metro areas, continue to show an improving trend. Eleven states and the District of Columbia, and four metro areas, are in their stable range of housing activity, unchanged from last month. One year ago, seven states and the District of Columbia, and zero metro areas, were in their stable range.

• The national MiMi value stands at -3.11 points indicating a weak housing market overall and declining by 0.03 points from January to February. However, on a year-over-basis, the U.S. housing market has improved by 0.67 points, and the 3-month trend (+0.12 points) shows an improving housing market. The nation's all-time MiMi low of -4.49 was in November 2010 when the housing market was at its weakest.

• Eleven of the 50 states plus the District of Columbia are in their stable range of housing activity with North Dakota, Wyoming, the District of Columbia, Alaska, and Louisiana ranking in the top five. Wyoming moved up to the second place ranking. The District of Columbia declined one spot to third place.

• Four of the 50 metro areas are stable and in range, San Antonio, Houston, New Orleans and Austin with the latter two switching between third and fourth place rankings.

• The five most improving states month-over-month were South Carolina (+0.14), Louisiana (+0.7), Ohio (+0.07), Tennessee (+0.05) and Nevada (+0.07). From one year ago the most improving states remained unchanged: Florida (+1.87), Nevada (+1.65), California (+1.08), South Carolina (+0.96) and Texas (+0.93).

• The five most improving metro areas month-over-month were Charlotte (+0.10), Columbus (+0.09), Nashville (+0.07), New Orleans (+0.07), and Las Vegas (+0.05) which tied with Memphis (+0.05) and Miami (+0.05). From one year ago the most improving metros remained unchanged: Miami (+2.33), Orlando (+1.91), Las Vegas (+1.64), Riverside (+1.60), and Tampa (+1.49).

• Overall, in February, 28 of the 50 states plus the District of Columbia are improving based on their three month trend and 27 of the 50 metros are improving. Kansas City, St. Louis and Minneapolis metro area housing markets slipped in their three month trend after seeing declines in their purchase application activity and local employment picture.

"Despite a slowdown over the winter months, the housing market continues to show improvement in most states, although at a somewhat slower pace,” says Freddie Mac Chief Economist Frank Nothaft. “And while not all the MiMi indicators are trending in a better direction -- gains in local employment and loan performance have really helped many markets across the country, especially those that were hardest hit. Outside of these areas we also are seeing positive improvement from the Carolinas and Tennessee as their local unemployment rates fall further."

Published with permission from RISMedia.

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Greener Grilling: Good for You and for Mother Nature, Too

April 23, 2014 3:57 am

(BPT) - You already know grilling is a healthful, flavorful and fun way to cook while enjoying the great outdoors. But did you know it can also be a "green" activity?

By choosing earth-friendly fuel options, better ingredients and sustainably sourced seasonings, you can satisfy your family's taste buds and Mother Nature with these greener grilling tips:

* Grilling with charcoal briquettes imparts a wonderful flavor to foods, but many cooks resort to a squirt (or several) of lighter fluid to get the coals burning faster. Forego the lighter fluid and invest in a charcoal chimney - a metal cylinder that makes it easy to get charcoal started. Briquettes go on the grate atop the chimney and newspaper goes at the bottom. When you light the paper, the chimney effect of the tube lights the charcoal from the bottom quickly and easily.

* Many people use disposable dinnerware for outdoor dining. While it may be convenient to not have to wash those dishes, reusable dinnerware and table linens are better for the environment and cheaper in the long term. Plus, cloth napkins and real plates impart a special charm to dining al fresco.

* This summer, why not try meat and poultry from free-range or grass-fed animals, rather than factory farmed? Better yet, select meat from a local farmer, buy organic or go vegan or vegetarian. Firm tofu, Portobello mushrooms and even polenta are healthy and trendy alternatives to meat. Such options reduce the environmental impact of your meal, and they often taste much better!

* Seasonings are a great way to add flavor without fat to your grilled meats and vegetables. When you choose sustainably sourced spices and herbs from purveyors like Frontier Natural Co-op, you're not only getting outstanding flavor, but you can be assured the seasonings have been produced using practices that are better for the environment, too.

* When purchasing produce, look for local options. Locally grown veggies and fruits travel a shorter distance to make it to your grill, meaning less fossil fuel is consumed overall.

* You can conserve resources without skimping on flavor if you make marinades using whole spices that you've pan roasted and freshly cracked before blending. Flavored and artisan black pepper corns, salts and sugars are trendy right now. You can also incorporate artisan vinegars, fine drinking wines and unusual beers into your marinades to create unique and pleasing flavors.

* Do you love adding smoke to your grilling? Rather than buying pre-soaked planks or pre-processed briquettes, try smoking by soaking whole herbs, spices and tea leaves in water then throwing them on the hot coals to create unusually flavored smoke blends that go far beyond basic mesquite and hickory.

Published with permission from RISMedia.

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The Indoor Allergen That Might Surprise You

April 23, 2014 3:57 am

While many welcome the arrival of warmer temperatures with open arms, people with seasonal allergies and asthma may be bracing themselves with boxes of tissues and asthma medications this season. According to a study published in the Journal of Allergy and Clinical Immunology, about 45 percent of people over the age of six and 36 percent of children under the age of six have tested positive for at least one allergen.

Outdoor allergens are prevalent again, but families staying inside on a hot day also have indoor allergens to think about. One of the most forgotten indoor allergy triggers is cockroaches.

According to the Asthma and Allergy Foundation of America (AAFA), 63 percent of American homes contain allergens from cockroaches. This includes droppings, saliva and dead bugs, and children can be especially sensitive. In addition, cockroaches are known to spread a number of serious diseases including Salmonella and E. coli.

The National Pest Management Association (NPMA) has the following tips for homeowners to help reduce allergens in the home so families can breathe more easily and stay healthy:

Vacuum Regularly. Running the vacuum at least once a week using a unit with a HEPA (high-efficiency particulate) filter can clean up crumbs and help remove allergens from carpeting and furniture.
Store Food Properly. Keep food stored in sealed containers, particularly in the kitchen.
Inspect Groceries and Deliveries. Sometimes, cockroaches and other pests can be brought in with deliveries or groceries from the store. Carefully inspect items as you put them away, and promptly remove cardboard boxes once unpacked.
Keep a Spotless Kitchen. Clean dishes and wipe down counter tops, appliances and other surfaces daily to remove crumbs and spills that can attract pests.
Take Out the Trash. Dispose of garbage regularly, and be sure curbside containers or dumpsters are properly sealed.
Stay on Top of Home Repairs. Seal cracks and holes around the exterior of the home, paying special attention to entry points for utilities and pipes. Also, check for leaks under appliances and sinks to avoid moisture buildup.
Work with a Pro. If you suspect an infestation, contact a qualified pest professional to properly identify your pest problem and recommend a course of treatment.

Source: National Pest Management Association

Published with permission from RISMedia.

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Poll Respondents More Embarrassed to Admit Credit Card Balance and Credit Score than Age or Weight

April 23, 2014 3:57 am

According to the National Foundation for Credit Counseling™ (NFCC) recent online poll, when asked what they would be most embarrassed to admit, the highest number of respondents, 37 percent, indicated it was their credit card debt.

People were given five categories from which to choose. In addition to credit card debt, the options included age, weight, bank balance, credit score or none. Coming in a strong second, 30 percent of respondents indicated they would be embarrassed to admit their credit score. Since debt and credit scores can be related, it is not surprising that these two concerns earned the unenviable top two spots in the poll. Consider the following:

* Excessive credit card debt should be seen as a warning sign that a person is in the financial danger zone. Although credit cards may appear to be the solution to a financial shortfall, charging beyond what can be repaid each month can quickly get out of control. Debts that cannot be responsibly managed may lead to late payments resulting in fees being added onto the balance and can sometimes take years to repay. Such activity is likely to negatively impact a person's credit report and potentially result in a lower credit score.

* Typically one of the highest-weighted elements of a credit scoring model is the credit utilization ratio, which considers how much a person owes versus his or her available line of credit. Although lenders each have their own criteria for evaluating credit worthiness, it is smart to not utilize more than 30 percent of available credit.

"Since consumers revealed that the two facts they'd be most embarrassed to admit are related to credit, it is obvious that they are not comfortable with how they are currently managing their money," said Gail Cunningham, spokesperson for the NFCC. "The good news is that there are solutions available for those who want to take charge of their financial future. Since April is Financial Literacy Month, now is the ideal time for people to address their financial concerns."

For help overcoming your most embarrassing financial moments, reach out to an NFCC member agency and inquire about the three-step Sharpen Your Financial Focus program. To be automatically connected to the agency closest to you, dial (855) 374-2773, or visit www.SharpenToday.org or www.agudicehoy.org.

Published with permission from RISMedia.

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Energy Efficiency through Insulation Key to Reducing Greenhouse Gas Emissions

April 22, 2014 3:45 am

With today marking the 44th anniversary of Earth Day, the North American Insulation Manufacturers Association (NAIMA) reminds the public about the key role of fiber glass and mineral wool insulation in achieving greater energy efficiency and reducing greenhouse gas emissions. "Buildings account for 40 percent of energy use worldwide," NAIMA Interim President and CEO Angus Crane said. "Reducing energy use and greenhouse gas emissions are global priorities and among the easiest, most impactful ways to do that is ensuring all buildings are energy efficient. Properly insulating and air sealing buildings is critical to optimizing energy efficiency and reducing costs to building owners."

This winter, which saw many states break decades-long records for cold temperatures, reminded many homeowners of the costs of under-insulated homes: high energy bills. NAIMA estimates that some 40 million U.S. homes are under insulated and adding insulation is a relatively simple, low-cost home improvement that offers benefits that are friendly to the pocketbook and the planet. Additional insulation can reduce utility costs by as much as 30 percent and overall energy use by 50 percent when compared with an uninsulated building.

"Earth Day also provides an opportunity to acknowledge the efforts of businesses, industries and governments in educating the public about global sustainability and climate change," Crane said. "NAIMA applauds the many organizations that promote energy-efficient policies to reduce our dependence on fossil fuels and improve the future of the planet."

Notwithstanding the significant environmental benefits of insulation, there are many other advantages, including insulation's role in improving public health. A 2004 study conducted by Harvard University School of Public Health found that adequate levels of insulation improved public health by limiting the effects of outdoor pollutants on the population. In addition, properly insulated buildings also offer better acoustical control. Homeowners may also take advantage of financial incentives and tax credits offered by a number of jurisdictions and entities throughout the United States to make homes more energy-efficient by doing such things as adding insulation.

"It is not an overstatement to say that we can insulate our way to a brighter future and at the same time, control our increasing energy costs," said Scott Miller, chairman of NAIMA's Sustainability Subcommittee. "Insulation is a simple solution to a weighty global challenge -- reducing energy use and greenhouse gas emissions -- but it clearly offers a myriad of benefits."

Source: naima.org

Published with permission from RISMedia.

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What Says Vacation in Any Language? A Perfectly Packed Suitcase

April 22, 2014 3:45 am

Summer is around the corner and many across the country will be jet-setting off on wonderful and warm adventures. But what should you bring and what can you do without? Here are a few steps travelers can take to make packing perfect.

Step one: Weight, size…
Understand limitations. Traveling by car, with an empty trunk to fill? In this case, the more the merrier! But for those traveling by air, it is worth looking into weight and size restrictions to eliminate those last minute surprises when checking it at the airport. Most airlines enforce a 50 pound weight restriction for checked bags. Find out what the maximum weight is for your chosen airline and pack accordingly.

Step two: The essentials
Make a master list of everything needed, every day. This list can include all the basics, like a toothbrush and toothpaste, and all personal must-haves, like special face cream or hair straightener. Keep this list and re-use it for the next trip!

Step three: Mix and match
Forget total outfits. First, consult the local weather forecast. Then, choose a basic color theme and stick with it – blacks or navies, whites or creams – so that you can pack a set of mix and match basics. Pack familiar items – now is not the time to experiment with new pieces. Leave behind articles which wrinkle too much or show wear too easily. And take multifunctional pieces like a blazer or cardigan to coordinate with pants or a dress. With the space saved, there is room for one or two extravagant items – or for souvenirs picked up along the way!

Step four: Shoes, shoes, and more shoes!
Oh, the agony! Again, sticking to a color theme will make decisions so much easier. Take a comfortable pair of shoes, as traveling always involves a lot of walking. Then take one pair that can dress anything up for the evening. And finally, wear the biggest pair while travelling. As for purses, the same rules apply – take one for the day, which can possibly double as a second carry-on bag, and a little bag for the evening, which can easily slip into the suitcase.

Step five: Toiletries
Searching for a little piece of home away from home? For many people, that comes in the shape of toiletries and cosmetics. Always remember the 100 ml rule – anything larger than 100 mls can only be packed in checked luggage. And collect samples of favorite brands to use during the trip. This will drastically reduce the volume of toiletries required.

Step six: Accessories
If there is one area people can pack a few outstanding items in, this is it! Pack all the basics, and sneak in a few extras just in case. Those sparkly earrings? Check. A bangle bracelet? Why not?

Step seven: Packing vs. unpacking
One last rule? The less you pack, the less you have to unpack!

Source: DELSEY

Published with permission from RISMedia.

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Most Americans Incorrectly Believe Wind Speed Determines Hurricane Evacuation

April 21, 2014 3:33 am

A national Harris Interactive Survey commissioned by the nonprofit Federal Alliance for Safe Homes (FLASH)® has revealed some frightening perceptions regarding hurricane evacuation. The survey found that a vast majority of Americans, 84 percent, mistakenly base their life or death evacuation decisions on the hurricane category and/or wind speed. In fact, hurricane evacuation boundaries are based on the threat of water, not wind, and nearly all evacuation orders are issued due to threat of inland flooding and storm surge.

"Most people think of wind with a hurricane, but in recent years, water from storm surge and inland flooding has done the most damage and killed the most people," said Rick Knabb, Ph.D., Director of NOAA's National Hurricane Center (NHC). "Families need to find out if they live in an evacuation zone today, have a plan in place and immediately follow evacuation orders when issued."

Tropical storms, Category 1 and 2 hurricanes, post-tropical cyclones and even Nor'easters can all cause life-threatening storm surge. In 2008, Hurricane Ike made landfall as a Category 2 hurricane, bringing storm surge of 15 to 20 feet above normal tide levels. In 2012, Tropical Storm Debby produced storm surge of seven feet in the Florida Panhandle. Often, heavy rains from hurricanes and tropical storms cause flooding well inland from the initial strike zone.

"People underestimate the force and power of water," said FLASH President and CEO Leslie Chapman-Henderson. "During Superstorm Sandy, the Sochacki family of Union Beach, N.J., lost their home when it was broken apart and swept out to sea. In the middle of the storm, they were forced to take shelter in an elevated, concrete home next door."

New evacuation resources available
Beginning this hurricane season, the NHC will issue an experimental Potential Storm Surge Flooding Map for areas along the Gulf and Atlantic coasts of the United States that are at risk of storm surge from a tropical cyclone. These real-time maps will show areas where storm surge could occur and how high above ground the water could reach in those areas. The interactive map will be available at www.hurricanes.gov when hurricane or, in some cases, tropical storm, watches or warnings are in effect.

Additionally, FLASH has compiled available online resources on evacuation zones and storm surge mapping for the 222 coastal counties, parishes, and regions from Texas to Maine to help families determine if they reside in an evacuation zone.

Other myths revealed
The annual Harris Interactive survey tests homeowners' hurricane beliefs regarding safety and property protection. Some of the other widely held myths included:

MYTH: It costs more than $10K to make a home stronger against hurricanes
FINDING: 69 percent of Americans believe this to be true
FACT: There are affordable methods and products that minimize damage and the need for costly repairs, including:
• Garage doors are often the most vulnerable opening on a home in a hurricane, but they can be braced for as little as $150.
• Windows and sliding glass doors can be protected from flying debris with temporary plywood shutters for $275 to $750 or with corrugated steel or aluminum shutters from $7 to $15 per foot.
• Roof uplift resistance is critical in high wind and it may be tripled by applying a 1/4 inch bead of APA AFG-01 certified wood adhesive along the intersection of the roof deck and roof rafter or truss chord on both sides of the beam.
• Water intrusion through the roof deck joints is a common source of damage; however, peel and stick water barrier can be applied during re-roofing for as little as $750.

MYTH: Taping windows helps prevent hurricane damage
FINDING: 54 percent of Americans believe this to be true
FACT: Taping windows wastes preparation time, does not stop windows from breaking in a hurricane, and does not make clean-up easier. In fact, taping windows may create larger shards of glass that could cause serious injuries. Masking tape, duct tape, window film and specially marketed "hurricane tape" are insufficient and potentially dangerous. Use tested and approved hurricane shutters or other opening protection instead.

Source: Federal Alliance for Safe Homes (FLASH)

Published with permission from RISMedia.

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Keys to a Healthy Home on a Budget

April 21, 2014 3:33 am

The Healthy House Institute (HHI) has released Keys to a Healthy Home on a Budget, designed to inform both professionals and consumers alike about how to upkeep a healthy home on a budget.

"Most healthy-home factors involve a prevention or 'removal' strategy hence are inexpensive or free to apply if addressed early," said Allen Rathey, president of The Healthy House Institute (HHI). "While the steps to a healthful home are basic and well-known, they are frequently neglected, prompting us to reinforce awareness and application of cost-effective, simple measures."

Keep It Dry

Keeping homes dry helps prevent the growth of mold, other microbes, and related health problems. Mold and bacteria need moisture to survive and thrive. Lowering a home's relative humidity through proper exhaust ventilation (e.g., running bathroom and shower fans for 30 minutes after showering or bathing), controlled mechanical ventilation (often as simple as installing a box fan facing outward in one open window and opening another window elsewhere in the house), and dehumidification in basements and where excess moisture occurs (dehumidifiers are available from big box retailers for less than $200), while sealing up unintentional airflows (i.e., drafts and air leaks) using caulking and sealants; go a long way toward promoting dryer, healthier home environments.

Keep It Clean, Contaminant-Free

Floor mats are inexpensive 'cleaning tools' -- placing one inside and outside a home's main entrance helps reduce indoor contaminants such as moisture, pesticide dust, heavy metals from industrial processes, and other pollutants. Often, the larger the mat, the more soil is removed.

Also, mild soap or detergent, and water, are thrifty but effective ways to remove soil and germs without resorting to expensive commercial products. Microfiber cloths and mops often clean well with just water.

Removal of germs is as important (or perhaps more so) than poisoning them: For example, the U.S. Centers for Disease Control and Prevention (CDC) says, "Disinfectant/detergent formulations registered by EPA are used for environmental surface cleaning, but the actual physical removal of microorganisms and soil by wiping or scrubbing is probably as important, if not more so, than any antimicrobial effect of the cleaning agent used."

Still, there is a time and place for disinfectants, and non-chemical interventions such as steam vapor or UV wands may be helpful.

10 Healthy Cleaning Principles
1. Remove, do not add contaminants.
2. Remove, do not add or stir dust.
3. Remove, do not routinely poison germs.
4. Remove, do not add allergens.
5. Minimize chemistry, maximize results.
6. Disinfect touch points daily.
7. Use ergonomic tools.
8. Use fragrance-free products.
9. Use residue-free products and processes.
10. Use non-toxic methods.

Keep It Pest-Free

Keeping homes clean, dry and well-sealed prevents pests from finding harborage. This is part of Integrated Pest Management or IPM. According to NSF International, IPM "is an environmentally friendly pest management approach that emphasizes multiple methods of non-chemical pest control and prevention." Don't be afraid to call for professional assistance from companies with a strong IPM policy, but you can do a lot yourself by keeping kitchens and homes clean and dry, and not leaving dirty dishes around the home.

Keep It Ventilated

Fresh air is your friend, so be sure your home gets enough. Be sure every bathroom, shower, toilet, and utility area has a working exhaust fan to pull damp and/or unhealthy air out, and fresher air in. Use the exhaust fan over the stove to remove cooking smells and related airborne contaminants (e.g., natural gas stoves release carbon monoxide, so are especially important to vent well). Controlled mechanical ventilation can be as simple as using a box fan in a window, or as complicated as installing a Heat Recovery Ventilator (HRV), which exhausts stale air as it brings in fresh air, but saves energy by transferring heat or cooling from one airstream to the other using a heat exchanger.

Keep It Safe, Maintained

Remember to have your home inspected by a qualified expert every few years to find problem areas. Ask visitors to give your home a "sniff test" to detect mold, airborne contaminants, or general staleness. Visitors not acclimated to a home's "normal smells" can be more objective when detecting unwanted odors. This is not a substitute for professional inspection, but can help.

Be sure your bathtub has hand railings for elderly loved ones, and areas inside and outside your home are well-lit. Outdoor lighting is a deterrent to crime, and LED bulbs can stay 'On' all night without running up electric bills.

Published with permission from RISMedia.

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Will You Use Your Tax Refund on a Dream Vacation Like Many Americans?

April 21, 2014 3:33 am

To get the biggest bang for your buck, here are some strategies you can use to turn even a lean refund into your dream vacation.

1. House Rules
Book a vacation house over a hotel to make your vacation bucks go the furthest. Houses typically hold more people with fewer fees. Living like a local in a unique vacation house can often be a priceless experience.

2. Do Not Seek Peak

Avoid peak season dates to save hundreds if not thousands. Peak season varies tremendously by location, so be sure to closely study rate lists.

3. Mom Was Right - It Is Best to Share
Even though it’s fun to make friends jealous by posting your sunny vacation pictures on Instagram, it’s much savvier to bring your friends along and split the tab. Sharing a house can double the fun and halve the cost. For the biggest savings, organize a beach getaway for the girls or a golf trip for the guys so that you end up with many friends staying together in a larger vacation house. Splitting with couples or another family is also a win-win.

4. Dine In, Not Out
Look for a full kitchen, dining area with plenty of seating and nice outside patio grilling area. Make sure there’s a grocery store nearby and also a variety of reasonable takeout options. Assign everyone a day to provide easy buffet-style meals or treat the group to inexpensive takeout.

5. Be Greedy about Freebies
Why pay sky-high fees for Internet, parking and resort amenities at hotels when most vacation houses offer numerous amenities for free? Look for vacation houses that include beach access, private pools, WIFI, parking, premium cable channels and welcome gifts at no cost. When you find an attractive vacation house scoring high reviews with loads of freebies, book it fast!

Source: Beach Bound Escapes

Published with permission from RISMedia.

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