Waterford Greene and Hamlet Residents are participating in their annual yard sale. This year it is a two day event. Stop by and see what great deals you can get. Event runs until 1PM April 25 and 26.

Here is a map link of the Area.





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As a proud parent and successful businessman, Jan Gaweda knows the key to success in both of these area’s is having a driven mentality. He applies this same devoted approach to helping other families make the most of their home sale or purchase as a leading real estate agent. From consultation to closing, Jan goes above and beyond to give people the information, guidance and personalized service he’d expect for his own family.

Whether clients are interested in purchasing their first home or selling their longtime residence for maxi-mum return, he pulls out all the stops to get them the highest return on their investment. If a move is in your near future, entrust this important part of your life to a professional who knows that your family is priority one. Your Family Comes First with Jan Gaweda. Call him today for a free consultation.

Jan Gaweda | Citizens Premier Real Estate
1225 Industrial Boulevard | Southampton, PA 18966
Direct: 610-653-0386
Office: 215-396-0500 x3428
Email: Jan@JanGaweda.com
License Number: PA RS290259

Two events in May which happens during Older American Month and we would be grateful if you could add these events to your calendar.

1. 1st Annual Tea Party - May 2, 2009 10:30am - 12:30pm
Villanova Conference Center 601 County Line Road Radnor, PA 19087
Our Conscientious Acts of Kindness Campaign will kick off with a Tea Party during Older Americans Month on May 2, 2009. Our special guests will be members of the senior population in Delaware County who are invited to bring family members and friends. All groups in attendance must have a senior citizen (60+ years of age) as a member of their party. The Tea Party will act as an outreach program focused on connecting the generations, bringing awareness to senior issues and challenging the younger generations and the community at large to take a daily interest in those seniors whose lives cross paths with their own by making conscientious choices to assist seniors in their neighborhoods, in their communities and in their families with purposeful acts of kindness. For instance, bringing trash cans up from the curb on trash day, assisting in unloading a grocery cart at the grocery store, making sure their walkways are safe by shoveling their snow and/or raking their leaves. For more info or tickets: www.ntbff.org

2. 'PA'Ducky Derby - May 16, 2009 1pm - 5pm Ducks will be dropped around 4:30pm Governor Printz Park 101 Taylor Avenue Essington, PA 19029 ntbf is organizing a Duck Derby on May 16, 2009 as part of Delaware County Older Americans Month celebration. The Duck Derby and its related functions (a kick-off silent auction, duck adoptions, etc.) will act as ntbffs primary fund raising activity for 2009. Individuals, organizations, companies and groups will be able to adopt a bright yellow rubber duck for $5 each. All adopted ducks will be tagged and dropped into the Delaware River at Governor Printz Park in Essington. Each derby duck will then race towards the finish line with a winning number attached to it. As a specified number of adopted ducks cross the finish line, they will be cross-referenced on a master list to their lucky parents. Prizes will be awarded to the winning ducks. In addition to the Duck Derby, ntbf will coordinate a day of family activities in Governor Printz Park on the day of the Derby. For more info, to adopt a duck, or to volunteer - please visit www.ntbff.org.

Five Things That Can't Be Trashed or Recycled

Wondering what to do with the cans of unneeded paint or your stash of old batteries taking up space in your house and garage? You know you shouldn't throw them out, but it really is time to get rid of them. Resist the temptation to toss them in the trash anyway. The reason: They (and everything on the list below) contain toxic chemicals capable of contaminating the environment if not disposed of properly.

Unlike items that are picked up at the curb, you'll have to make a special effort to unload these ones responsibly. But, with a little advance planning and some good info, you'll see that it's really quite simple to dispose of these seemingly mysterious items. Here's how:

* Batteries. Recycling rechargeable batteries is fairly easy. Home Depot, Staples, Radio Shack, Best Buy, and other retailers take them back free of charge. There are fewer options for single-use batteries, but look for bins at your local Whole Foods Market, Ikea, or library. Otherwise, your best bet is the local household hazardous waste drop-off site. Where is it and what are your closest drop-off options? Search here [http://www.homehintsenews.com/dbpage.asp?page_name=notrashrecycle] for answers.

* CFLs. These energy-efficient bulbs are becoming easier to get rid of. Just drop old bulbs off at any Home Depot or Ikea for free recycling. Or ask about CFL recycling at your local Ace Hardware or home improvement store. You can search locally for other nearby solutions.

* Electronics. Every retailer that takes back rechargeable batteries also accepts mobile phones, as do most wireless providers. For computers, cameras, televisions and others, it's worthwhile to do a little homework because some stores charge fees depending on item and brand. Check out Best Buy, Staples, and Office Depot to see what's the best fit. Some places, like Radio Shack, have trade-in programs where you can receive store credit for your old gadgets.

* Motor Oil. In case you need some motivation, consider this: Every gallon of used motor oil that's improperly disposed of can contaminate one million gallons of drinking water. Bring it to Wal-Mart, Autozone, Jiffy Lube, or search online for more convenient choices.

* Paint. It's among the harder items in this group to dispose of, but it's worth it and totally doable. Remember, with proper planning and application, paint disposal is usually unnecessary. Buy the right amount for your project. Apply a second coat and touch up areas that need improvement. If the paint is still in good shape, consider donating it. Liquid wastes are restricted from municipal solid waste landfills – never throw away leftover liquid paints in your trash. The National Paint and Coatings Association suggests:

Latex Paint Disposal Steps

1. Unused latex paint should be poured into an absorbent material such as a cat box filler, shredded newspaper or sawdust.

2. Let it dry completely and dispose of the dried material in your regular trash.

3. In areas where recycling programs exist, save the dry, empty containers with the lids off for a steel can recycling program. Small amounts of dried residue will not hinder steel can recycling.

4. Wash your paint brushes and painting tools in the sink. Never clean your paint brushes near a storm sewer drain.

Solvent-Based Paint Disposal

Solvent-based or alkyd paints require special disposal practices. Solvent-based paints are ignitable and present particular hazards. These products should not be emptied into storm sewers, household drains (especially if you have a septic tank) or on the ground.

Disposal Steps

1. Save solvent-based paints for a household hazardous waste collection program or contact your local/state government environmental protection agency for guidance on reuse or disposal of unwanted solvent-based paint products.

2. In areas where recycling programs exist, save the dry, empty containers with the lids off for a steel can recycling program. Small amounts of dried residue will not hinder steel can recycling.

3. Clean paint brushes and painting tools with paint thinner or turpentine.

Rates on 30-year mortgages fell recently to the lowest level on record after the Federal Reserve launched a new effort to stimulate the struggling U.S. housing market.

Mortgage finance giant Freddie Mac said Thursday that average rates on 30-year fixed-rate mortgages dropped to 4.85% last week, from 4.98% the previous week. This was the lowest in the history of Freddie Mac's survey, which dates back to 1971, and was down a full percentage point from a year ago. These are truly historic times and they present a great opportunity to anyone who is thinking of buying.

If you or someone you know is ready to take advantage of historic low prices and historically low interest rates, please call me or send me your referral. Don't let this opportunity pass you by.

Your Realtor,

Jan Gaweda | Citizens Premier Real Estate
1225 Industrial Boulevard | Southampton, PA 18966
Direct: 610-653-0386
Office: 215-396-0500 x3428
Email: Jan@JanGaweda.com
License Number: PA RS290259

Here we go again, with the talking heads on financial news misinterpreting the impact of the Fed's actions on home loan rates.

Here's the scoop. What the Fed just announced is huge – they have committed to buy another $750B in Mortgage Backed Securities, and $300B in Treasuries.

But what does this mean and why do you care?

Their actions provide a demand for Mortgage Backed Securities, which should help keep a ceiling on home loan rates moving much higher in the foreseeable future. That's good news, for homebuyers who are seeing the bargains out there and understanding that now is the time to act. Good news for those who are ready to refinance too.

But an important distinction – this does not mean rates may move significantly lower. Depending on exactly which coupons the Fed purchases when they go shopping for Mortgage Backed Securities, their actions may keep a lid on rates, but not push them very much lower. And based on what they've been buying since the beginning of this year when they started their purchasing program – that is exactly how it has played out.

Present home loan rates are within inches of historic lows. What is keeping you on the sidelines from acting now to refinance and get some dollars back into your own pocket, where they belong – or moving forward to buy the home of your dreams, while it is still on sale?

If you have questions – call me. You know there's no pressure, but let's discuss options and see if there is something we should be looking at to improve your situation.