HOOVER FINANCIAL ADVISORS OFFERS TOP 10 CREDIT TIPS

Pete Hoover

Pete Hoover

Malvern, PA – Hoover Financial Advisors, PC, celebrates its 10th anniversary with a series of Top 10 Lists. The first involves valuable advice to preserve good credit.

“Too much credit? Too little credit? No credit? Good credit? Bad credit? There are so many considerations when protecting and managing personal and business credit,” indicates HFA founder Pete Hoover, CFP. “Lenders generally rely on five key factors when evaluating individual or company credit worthiness. Sometimes called the 5 Cs, there are: Credit History; Capacity; Collateral; Capital; and Conditions.”

The most widely used credit scores are created by Fair Isaac Corporation or FICO. Ninety percent of top lenders use this resource to help them make billions of credit-related decisions every year.  A person with credit has a FICO score at each of the three credit bureaus: Equifax, TransUnion and Experian. Each score is based on information the reporting bureaus keep on file about individuals with various types of credit. Data and scores may be different at each one.  Base FICO scores have a 300 to 850 range. Although many lenders seek FICO scores when making decisions, there is no single cutoff score used to calculate interest rates.

“Credit can be a wonderful thing – if it is good,” qualifies Hoover. “For example, someone with a credit score of 840 is just 10 points below the highest possible rating. That person could pay more than $90,000 less on a 30-year fixed rate mortgage for a $300,000 home. Be sure to take charge of your credit health and keep your scores strong. The rewards are ample,” he concludes.

Hoover’s Top 10 List:

  1. Establish a positive credit history by opening and responsibly managing a secured credit card.
  2. Get current on any missed payments. Delinquent accounts may stay on credit report files for up to seven years.
  3. Always pay bills on time with at least the minimum amount due.
  4. Stay within credit limits on cards or lines of credit.
  5. Review credit scores annually and report discrepancies promptly. Free reports can be ordered by linking to http://www.AnnualCreditReport.com or calling 1.877.322.8228 and following instructions.
  6. Pay down high interest rate debt first.
  7. Don’t open new credit accounts you don’t plan on using.
  8. Set a monthly budget and maintain it.
  9. When possible, consolidate debt into a lower interest rate account.
  10. Pay more than minimum amounts on monthly bills.

Hoover, who has more than 30 years industry experience, is a multiple Five Star Wealth Manager, which is achieved by fewer than seven percent of area financial advisors. He launched Hoover Financial Advisors in 2005. The firm was selected as the 2012 Small Business of the Year by Chester County Chamber of Business & Industry and the year before it was named among the top financial planners in the Philadelphia region. Headquartered on Moores Road in Malvern, HFA is an independent discretionary firm with no product ties. Services include wealth management, cash flow management, estate planning, retirement planning, financial forecasting, plan preparation and implementation, income tax strategies, insurance solutions and management of financial needs after the death of a loved one. For more information, visit its website at petehoover.com or call 610.651.2777.

Information for this news release was obtained from Wells Fargo; AnnualCreditReport.com; Federal Trade Commission Consumer Information (consumer.ftc.gov); creditcard.com. 

TCN Announces Hiring Of Holly Parker As Executive Director

Holly ParkerThe Board of Directors at TriCounty Community Network (TCN) is proud to announce the hiring of Holly Parker as the agency’s new Executive Director. Ms. Parker will join TCN on Monday, August 31st.

Ms. Parker has served the Tri County Community for the last six years while working at Montgomery County Community College. Previous to her tenure at MCCC, Parker served in various leadership roles for several local nonprofit organizations, including Interim Executive Director and Director of Development. She earned a Bachelor of Arts degree from West Chester University and a Master of Science degree from Colorado State University. A lifelong Pottstown resident, Parker has a deep commitment to and understanding of the Tri County area and has received several commendations for her fundraising, grant writing, and community outreach.

“On behalf of TCN’s Board, I am excited about Holly leading our organization in the coming years. Her experience in relationship and funder development in nonprofit, plus her knowledge of the community, provide a great mix of leadership that I feel will help take our organization to new levels,” said Tom Thunstrom, President of the TCN Board of Directors. “Holly’s diplomacy, personality, and character will help our organization build relationships in the Tri County community and will strengthen an already strong collaborative, helping us to be THE resource for developing and empowering partnerships to effect positive change in the region.”

TCN’s 2015-2016 program year kicks off on Tuesday, September 15th, from 8 to 10 AM in the South Meeting Hall at Montgomery County Community College’s West Campus. Additionally, TCN is proud to partner with Senator John Rafferty for his office’s third annual Job Fair, also scheduled for September 15th at Sunnybrook Ballroom from 10 AM to 1 PM.

For more information on TCN, visit our website at http://www.tcnetwork.org or call 610.850.0181.

Music Meets Medicine Conference

Interdisciplinary Society for Quantitative Research in Music and Medicine
  Music Meets Medicine Conference
Advancing our understanding of the medical impact of music

July 24-26 2015
  •  Informative experiential workshop presentations and research papers

Raga therapy, Sacred scale, Chinese Bell Therapy, African drumming, BioGuided Music Therapy, Mandala and Music, Music and Pain, Native flutes and more…….

* CEU credits  available for Chinese Medicine and Music therapists

check our brochure

  • Evening Concerts  (Open to the Public) shows start at 7:30pm
    with vendors selling Cd’s and world instruments check our concerts

Immaculata University, 1145 King Rd. Malvern, PA

Visit our website

Heat, Air Quality Alerts For Philly Area Friday

Heat and air quality alerts are in effect in the Philadelphia region Friday, as the area swelters on what’s likely to be the hottest day of the year so far.

Forecasters say high temperatures Friday are expected to reach the mid 90s, potentially flirting with the record for the date of 95 degrees and prompting some schools to announce early closings.

A National Weather Service heat advisory, in effect from noon through 8 p.m., says heat index values could reach 100 due to the warm temperatures and high humidity.

The most intense heat is expected between 1 p.m. and 6 p.m.
Read more at http://www.philly.com/philly/news/local/20150613_Heat__air_quality_alerts_for_Philly_area_Friday.html#FVZOYskTSZBOl7FC.99

Where Is Pennsylvania’s Very Own Silicon Valley?

Move over, Silicon Valley: Pennsylvania has a tech hub of its own.
 
Over the past couple of decades, the San Francisco Bay Area has been the tech mecca of the country. It’s the shiny, silicon haven where the nerds are the cool kids and where artisanal coffee is a main food group; where there are more startups than gyms and everyone seems to be living far in the future.
 
But this flood of entrepreneurial hopefuls has brought with it a surge of sky-high housing costs and a lack of space. Those looking to start a company are already using all of their resources to make sure their venture is a success. But how can they take such a risk if they’re paying upwards of $4,000 a month for a two-bedroom apartment?
 
As it turns out, there are other areas of the country—including some in Pennsylvania—where more tech companies and venture capital firms are popping up every year. These dark horses may be poised to become the next silicon superpowers.

To see the top 10 PA tech counties, click the link: http://www.dailylocal.com/general-news/20150611/where-is-pennsylvanias-very-own-silicon-valley

Royal Paper Ready To Introduce Its New Chester County Facility

WEST WHITELAND TOWNSHIP, PA – Royal Paper Products is pulling up stakes and moving — but the vans didn’t have far to travel.

After 65 years on North Caln Road in the Coatesville area, Royal is ready to welcome guests to its new Exton area facility on Clover Mill Road in West Whiteland. It is holding a grand opening and ribbon-cutting ceremony on Saturday.

The company makes more than 1,000 disposable products for the foodservice, hospitality and janitorial industries.

The new production plant and headquarters is located on 22 acres, giving the company ample room for its 45 employees and providing 16,500 square feet of much needed office space.

Read more:  http://www.dailylocal.com/business/20150610/royal-paper-ready-to-introduce-its-new-county-facility

Montgomery County Community College To Host Tri-County Concerts Association’s 73rd Annual Youth Festival Concert – June 6‏

Blue Bell, Pa.— Montgomery County Community College (MCCC) will host the Tri-County Concerts Association’s 73rd Annual Youth Festival Concert on Saturday, June 6, at 7 p.m. in the Science Center Theater, 340 DeKalb Pike, Blue Bell.  Tickets cost $10 for general admission; students and children are free.

The Tri-County Concerts Youth Festival is one of the area’s most prestigious competitions for aspiring young classical musicians living in Chester, Delaware, and Montgomery counties.  Since 1943, the festival has been a stepping-stone to achievement for many emerging young artists, several of whom are now current and retired members of the Philadelphia Orchestra. MCCC is proud to host the concert each year featuring these talented students.

This year, they will perform works by Beethoven, Chopin, Dvorak, Prokofiev, and Elgar, among others.

Many Montgomery County students won top prizes in this year’s Tri-County Youth Festival and will perform at the concert.

First place awards were presented to:  harpist Michael Turner of Phoenixville, a seventh grader at The Wyndcroft School, in the Junior Musica Diversa Division; violinist Ethan Frankel of Royersford, an eighth grader at Spring-Ford Middle School, in the Junior Strings Division; and clarinetist Jack Zhang of Blue Bell, a senior of at Wissahickon High School, in the Senior Winds Division.

Second place awards were presented to: pianist Connie Jiang of Harleysville, an eighth grade student at Pennfield Middle School, in the Junior Piano Division; oboist Nina Cheng of Ambler, a junior at Upper Dublin High School, in the Senior Winds Division.

Additionally, the Dolce String Quartet with violinist Rachel Sigler of Gilbertsville, who is home-schooled, violinist Bryn Borzillo and violist Emily Adams of Royersford, who both attend Spring-Ford 5-6 Center, and cellist Sarah Lesher of Telford, a seventh grader who attends Indian Crest Middle School, won second place in the Senior Ensemble Division.

Several other Montgomery County students won Honorable Mention at the auditions. In the Senior Ensemble Division, La Chasse Quartet with violinists Stephanie Ko and Julia Povlow, violist Madeline Herman, and cellist Mark Egan placed. Ko, Povlow and Egan attend Methacton High School, and Herman attends Spring-Ford High School.

In the Senior Strings Division, cellist Nina Chae-Gordon, a freshman at Saint Joseph’s Academy, and violinist Fiyi Adebekun, a freshman at Pennfield Middle School placed. In the Junior Strings Division, violinist Jolade Adebekun, an eighth grade student at Pennfield Middle School placed.

For further information about the concert, contact Eleanor James at 610-986-3555 or tricountyyouthfestival@gmail.com or visit www.tricountyconcerts.org. For more information about Montgomery County Community College, visit www.mc3.edu/livelyarts or call 215-641-6518.

Flute Haven Mini 2015 Saturday June 13

 

 

Flute Haven Mini offers a day of Native Flute workshops, a flute circle, classes, and performances, and (most enjoyably) music-making and jamming.

At Flute Haven you can:

  • ClintGoss_Fujara1_lgraise your level of flute playing,
  • learn to play with  percussion, guitar, and piano,
  • dive into performing,
  • expand your flute playing into new genres,

Flute Haven is for people of all levels of musical experience – including beginners and experienced players. The amount of time you have played Native flutes is not important – only your desire to explore and expand your musicality.

 

Optional Friday night wine & cheese jam & reception 6:30pm – 8:30pm

 

Flutehaven Staff

Clint Goss, Eric and Lynn Miller, Ron Kravitz, Frank Henninger, Ron Volkman, Vera Shanov

9:30-12:30  Workshops * 12:30-1:30  Lunch * 2-5pm  Flute Circle

6:30-8:30 Outdoor Concert Stage Performance and Flute Facilitation

 

REGISTER HERE

Summer “Soul-stice”

  Expressive Arts workshop

Sue Mistretta and Lynn Miller
Saturday June 20th 10am – 5pm   

Summer Solstice is the longest day of the year, providing us with the most Light of any day. It also happens to be the day when the shortest shadow is found. Using this as a metaphor for our personal and spiritual growth journey, we will create a day of celebration and purification. Using expressive arts, we will explore our soul longings through painting, sound and movement. We will make this Soul-stice an opportunity to let go of the “old story” we each carry in our lives…even if just for a moment. Only when we let go, are we open to possibilities that exist in our lives. We will shed light on the most meaningful parts of our lives and give these parts of us a voice.

Cost for the workshop is $100 and includes lunch and all workshop materials.

Early bird special – $90 if you sign up before June 6th!

 

Additional information and registration:

Music for People’s,  Adventures in Improvisation

Join Our Musical Community

Find your authentic sound, explore your music

Lynn Miller, Ron Kravitz, Mary Knysh and Jim Oshinsky will guide you through singing, drumming, and instrument playing with MFP improvisational structures.
All styles, instruments and levels of experience welcomed.

 

Immaculata University, Malvern, PA

 June 26-28, 2015

Special tuition rate for first timers ($199 full weekend, $99 Saturday only)

Additional information and registration:

Kennett Square Gets New, Refined Historic District

KENNETT SQUARE, PA – By a 4-3 vote, council Monday night adopted an ordinance that creates a new, expanded historic district, disbands the borough’s historic commission, and creates a unified Historic Architectural Review Board. The measure will affect every structure in the new and refined historic district.

“This is probably the toughest decision that we have made as a council,” said Leon Spencer, council president.

Councilors Geoff Bosley, Chip Plumley and Patrick Taylor dissented.

The ordinance is the result of a compromise from a previous proposed historic district ordinance that was more stringent and had two separate historic zones. That proposal was defeated last year.

Read more:

http://www.dailylocal.com/general-news/20150521/kennett-square-gets-new-refined-historic-district

Which Philly-Area Municipalities Are Growing The Fastest?

Municipalities in Chester and Montgomery counties saw the biggest growth last year, while just four places in Camden County – including Camden City – added any residents at all.

That’s according to new Census Bureau data, released Thursday, that shows population gains and losses in communities across the country for the one-year period ending in July 2014.

Population figures for counties – including Philadelphia, which saw its population grow 0.27 percent to 1,560,297 residents during that time – were released earlier this spring.

The new data set lets every town, from the smallest boroughs to the largest cities, see how many residents it gained or lost.

Read more at http://www.philly.com/philly/news/20150522_Which_Philly-area_municipalities_are_growing_the_fastest_.html#CHc0iHBrbYeXs16r.99

Cool School Summer Camps Coming To Spring-Ford Area School District

Spring-Ford Area School District PRESENTS 2015 COOL SCHOOL 

The 2015 Cool School Summer Enrichment Program is sponsored by Spring-Ford Area School District.

• Classes are held at the 5/6 Building, 833 South Lewis Road, unless otherwise noted

• Classes will be held Monday through Thursday • Classes will be offered during three, one-week sessions:

• Week I: June 22 – June 25 • Week 2: July 6– July 9 • Week 3: July 13 – July 16

• Two different time slots: • Time A: 8:30 -10:30 a.m. • Time B:10:45 a.m.-12:45 p.m.

• When registering for a class, please note the session.  Example: June 22-25, from 8:30-10:30 a.m. will be Session 1A.

• Unless otherwise noted, all classes are held at the 5/6 Building 833 South Lewis Road, Royersford

• Supervision is provided between sessions. Students who are staying should bring a snack.

• Many courses have a $5 materials fee.

• Cool School Courses are available for students completing grades K-6, depending on description.

• Grade levels are based on the grade completed in June 2015.

• Registrations will be accepted online or with a paper registration. COST PER COURSE: $50 SFASD residents; $60 non-residents.

Click here for all the information and registration form: Cool School Summer Camps

Corrections Officer, Others Charged In Prison Drug-Smuggling Scheme

Eight people, including a Chester County correctional officer, inmates and their friends, have been arrested in an operation to smuggle drugs into the county prison, according to prosecutors.

The Chester County District Attorney’s Office said the group concocted a scheme for the correctional officer to bring in heroin, prescription drugs and other contraband to inmates at the Chester County Prison.

Correctional Officer Douglas Keck, 45, would obtain the contraband from inmates’ friends outside of the detention facility, then bring the smuggled goods to the inmates, officials said. He was paid $100 per delivery.

“We expect members of the criminal justice system to keep drugs away from criminals, not act as an in-person drug dealer,” District Attorney Tom Hogan said in a statement.

Read more at http://www.philly.com/philly/news/20150428_Corrections_officer__others_charged_in_prison_drug-smuggling_scheme.html#29ufP9sCum30fbyo.99

Downingtown’s Three High Schools Named To Washington Post’s 2015 America’s Most Challenging

EAST CALN TOWNSHIP, PA – The three high schools in the Downingtown Area School District were named to Washington Post’s 2015 America’s Most Challenging High School programs list.

The Downingtown STEM Academy, Downingtown West High School and Downingtown East High School all appear on the Washington Post’s newly released list. Only 38 Pennsylvania high schools achieved this honor with Downingtown being the only Pennsylvania school district to have all district high schools nationally ranked, according to the Washington Post.

“We are very proud of our students and staff,” said Lawrence Mussoline, superintendent of schools.

The report looked at public and private high schools nationwide and ranked them based on the academic rigor of the schools’ curriculum. The Post filtered the number of Advanced Placement, International Baccalaureate and Advanced International Certificate of Education tests given at a school each year. That number was then divided by the number of graduation seniors. Fewer than seven percent of the approximately 27,000 high schools in America qualified for this list.

Read more:

http://www.dailylocal.com/general-news/20150422/downingtowns-three-high-schools-named-to-washington-posts-2015-americas-most-challenging

Coatesville To Celebrate 100 Years As A City

Chester County’s only city will commemorate its 100th anniversary with the Coatesville Centennial Celebration at the city’s train station located at Fleetwood Street and North Third Avenue, at 10 a.m. on April 27.

Coatesville is named after Moses Coates, a farmer and postmaster who in 1787 purchased land that now makes up the center of the city, according to http://www.Coatesville.org. A village in the area where Coates purchased land came to be known as Coates Villa, and in 1867 it merged with the neighboring village of Midway to form the Borough of Coatesville. On April 27, 1915, a majority of the borough’s residents voted in favor of granting city status to Coatesville.

The centennial celebration will begin with a performance by the Coatesville Area Senior High Marching Band. During the celebration, Aja Thompson, a CASH graduate and Coatesville Youth Initiative volunteer will read her poem, “I Love and Miss You, Coatesville.”

The winner of the Coatesville Centennial Logo Design Contest will also be announced at the event. The contest was open to students in the Coatesville Area School District, and challenged them to design a new logo to represent the city of Coatesville. The winning logo will be featured on signage, event flyers and street banners for the centennial celebration.

Read more:

http://www.dailylocal.com/general-news/20150419/coatesville-to-celebrate-100-years-as-a-city

Plan Calls For 175 Luxury Apartments In Downtown Kennett Square

KENNETT SQUARE, PA – Borough officials are considering a plan that would bring 175 luxury apartments and a pub restaurant to the western section of town.

Called The Lofts, it will be located very close to Victory Brewing Co. on Cypress Street that will open sometime this month. Specifically it will be bordered by State Street to the north, Washington Street to the east, South Mill to the west, and Bernard Alley to the south.

Developer, StanAb Real Estate Development Co. of West Chester, purchased the entire 600 block of State Street recently, which had been the site of Kennett Motors and Kennett Transmissions.

“Except for Magnolia Place, there are few other choices (for rental housing),” said Tony Stancato, an executive with StanAb. “The lure of Kennett Square is that is has walkable amenities, and there are many businesses wanting to come to Kennett. Demand for rental has been increasing with those ages 20 to 34 holding off buying decisions for many reasons. Kennett Square is an underserved marking for rental housing.”

Read more:

http://www.dailylocal.com/general-news/20150412/plan-calls-for-175-luxury-apartments-in-downtown-kennett-square

Special Project: East Coventry Farm Exemplifies Sustainability Movement

East Coventry Township, PA – From the front, the white house at 253 Harley Road looks like any other home in the neighborhood. A short walk back reveals that appearances can be deceiving. For behind this particular house, there’s a chicken coop, greenhouses and a small farm where sustainable, organic growing is taking place.

Jubilee Hill Farm was started about three years ago by owners David and Wendy Ryle. The married couple grows produce on 1.5 acres of a 10-acre property left to Wendy by her grandparents. She said they plant food for humans but they want the land to also be a safe space for other living creatures.

“The idea was that this would be a wildlife refuge and it still is…it’s not a battle of the wildlife, it’s just sort of living in harmony with them,” she said.

Sustainability practices are those that keep in mind that the future survival of humans and other organisms are dependent on preserving the natural environment, according to the United States Environmental Protection Agency .

Read more:

http://www.dailylocal.com/general-news/20150406/special-project-east-coventry-farm-exemplifies-sustainability-movement

2 Dead After Small Plane Crashes In West Goshen

West Goshen Township, PA – Two people were killed when the small plane they were flying in crashed in the 1000 block of Saunders Lane, near Andrews Drive, in West Goshen at 1:34 p.m. Sunday afternoon, county officials said.

Dispatchers said two people were found dead following the crash. An official said they were the only people on board.

The aircraft, a single-engine Piper PA28, had taken off from the Brandywine Airport and flown over Route 202, before it went out of control and crashed in a field about two miles away from the airport, officials said.

Emergency crews reported that the plane burst into flames following the crash.

Read more:

http://www.dailylocal.com/general-news/20150329/2-dead-after-small-plane-crashes-in-west-goshen/2

Phoenixville Borough Council Targets Crime On Bridge Street

PHOENIXVILLE, PA – After a recent increase in crime along Bridge Street, borough officials, residents and business owners say they’ve had enough and are searching for solutions.

During Tuesday night’s borough council meeting, Councilman Michael Kuznar added his voice to the growing number of people concerned about the borough’s safety. A recent armed robbery at the Save More Discount Center on Bridge Street and bricks thrown at two businesses were examples he used that something needs to be done.

“Since Jan. 1, Bridge Street has had over 900 calls to dispatch,” Kuznar said. “That’s a lot for just one street.”

Residents complained about “shady activity” at the Children’s Plaza at Bridge and Banks streets, too.

Read more:

http://www.timesherald.com/general-news/20150313/phoenixville-borough-council-targets-crime-on-bridge-street

Are These The 10 Best Philly Suburbs?

Editor’s note:  No surprise that the future tourism mecca of Western Montgomery County is missing from the list.  I guess mini-golf, carousels and train rides aren’t enough to propel a crime infested borough to the top of any great places to live list.  Not sure why the cart is always put before the horse.

Real estate website Movoto.com has compiled a list of the 10 best Philly suburbs.

With nine towns in Pennsylvania and one in New Jersey, the site ranked these towns based on many factors such as amenities per capita, standard of living, crime rate, and average commute time to Philly.

Coming in at number one is Devon, which the site says has the highest graduation rate, a median income of more than $142,000 per year, and is the “safest place for miles near Philadelphia.”

Six towns in Montgomery County made the list, while the rest were in Chester, Delaware and Camden counties.

Read more at http://www.philly.com/philly/blogs/philadelphia-real-estate/Are-these-the-10-best-Philly-suburbs.html#6shZWa03k79QQEqc.99

Weather Experts Say Warmer Weather Is Really Coming

WEST CHESTER, PA – The region dug out Friday from a season-record snowfall Thursday that closed schools, businesses and some municipal offices.

And the good news from the weather experts is that things should be calm and more seasonable for a bit.

Here are the snow totals from late Thursday night: East Nantmeal, 11.3 inches; Malvern, 10.0; Coatesville, 9.8; West Caln, 9.8; Landenberg, 9.3; West Chester, 9.0; Devon, 9.0; New London, 8.9; Thorndale, 8.7 East Coventry, 8.5; Exton, 8.5.

There were some school closings and delays and the highways and other roads were still snow-covered Friday morning. However, bright sunshine was the hope for some melting to make those roads more passable.

Read more:

http://www.dailylocal.com/general-news/20150306/weather-experts-say-warmer-weather-is-really-coming