new jersey real estate: The Floods Are Gone, But Unpleasant Reminders Remain
- 09/14/11 12:43 PM
Although most central New Jersey home owners are well on the road to putting Tropical Storm Irene behind them, there are some truly unpleasant reminders of her presence lingering in many homes. And, according to houselogic.com, the worst part may be what you can't even see. The visible part – and it's bad enough in and of itself – is the greenish-black mold that many can see streaking across walls and spreading into the fabric of their clothes and furniture. But the real problem is hiding behind walls, under carpets, and in the air (where spores float around looking for new … (1 comments)
new jersey real estate: Don't Get Scammed While Repairing Irene's Damages
- 09/02/11 01:46 PM
Home owners in central New Jersey who were in the path of Hurricane Irene may soon be targeted by scammers looking to profit from their pain. As attention turns to repair and rebuilding, residents in affected areas should be aware that disasters often attract unscrupulous contractors who will prey on those trying to put their lives back together. Thanks to houselogic.com, we're offering some tips to help ensure that you hire a contractor who will do the job properly. One of the major concerns is contractors who use poor-quality materials and cut corners, pocketing the price difference from what it … (1 comments)
new jersey real estate: Are Your Kids Off to College? Check Your Home Owner's Coverage
- 08/26/11 11:43 AM
Millions of children – including many whose parents are central New Jersey home owners – are heading off to college within the next few weeks. Things are different for college students these days – they typically take a variety of expensive personal possessions to the dorm with them. It can be reassuring to know that if those possessions are stolen – or lost in a fire – they may be (at least partially) covered by your home owner's policy. Ellen Melchionni, president of the New York Insurance Association, says, “Sophisticated electronics and expensive sports equipment are increasingly common on campuses around … (1 comments)
new jersey real estate: Create Big Changes on a Small Budget
- 08/19/11 09:45 AM
Are you a central New Jersey home owner who really wants the kitchen of their dreams? Do you dream about turning your master bath into a luxury spa? If so, you're not alone. But you're also probably facing a stark reality dictated by the nation's tenuous economy: Putting those dream renovation plans on hold in lieu of smaller changes. In a recent houselogic.com article, Danny Lipford, host of the nationally syndicated home-improvement radio show Homefront with Danny Lipford, said, “What’s on everyone’s minds is making the space feel a little better and function a little better until you can reach the … (1 comments)
new jersey real estate: Think Hard Before You Rent Your Home
- 08/18/11 11:53 AM
Are you among the many central New Jersey home owners who are considering renting your home rather than adjusting the sale price? Recently, Keeping Current Matters addressed this issue, which is steadily becoming larger and larger. Make note, thought: If you're in this position, and you don't want to become an educated investor, you could be headed for problems. Before you rent your home, we agree with KCM that you need to take three steps to ensure that you're undertaking the right course of action. First, have a consultation with an eviction attorney. If you rent your home, you assume that … (0 comments)
new jersey real estate: We've Got “Fair Fever!”
- 08/05/11 12:04 PM
Earlier this week, we gave our central New Jersey friends and fans a heads-up on the Middlesex County Fair, which is taking place practically in our backyard! If we managed to whet your appetite for fun (and fair food!), let us close out the week with a pointer the grandaddy of New Jersey summertime fairs – the New Jersey State Fair. Don't panic if you've already made plans for the Middlesex County Fair this weekend; the state fair starts today and runs through the August 14, so there's plenty of time to enjoy both. Officially known as the New Jersey State … (0 comments)
new jersey real estate: Summer Fun Rolls On at the Middlesex County Fair This Weekend
- 08/03/11 01:05 PM
Unbelievable but true – it's already August! Many central New Jersey residents are starting to plan for families going “back to school,” but we'd suggest that you hold on...there's still plenty of summer fun coming! Nothing says FUN like the Middlesex County Fair. It's going on right now – through Sunday August 7 – and you won't want to miss a minute of the festivities. Let's start with a bit budgetary good news: The Middlesex County Fair remains the least expensive of all fairs in New Jersey, which includes no parking fee. Admission for adults is $6.00, seniors (65+) is $4.00, … (0 comments)
new jersey real estate: Cut Your Home Insurance Bills – Without Cutting Corners (Part 2 of 2)
- 07/29/11 10:19 AM
Last time, we began a discussion about some interesting, and often unconsidered, ways for central New Jersey home owners to effectively cut their home insurance bill without cutting corners. Today, we conclude with some additional means for reducing the cost of your home insurance, without sacrificing those ever-essential safety concerns. It's generally agreed that where there’s smoke, there’s fire. According to the US Fire Administration, over 15,000 smoking-related home fires killed more than 600 people, injured at least 1,200, and caused nearly $400 million in property damage in recent years. As a result, most insurers offer nonsmokers a 15% discount on … (0 comments)
new jersey real estate: Cut Your Home Insurance Bills – Without Cutting Corners (Part 1 of 2)
- 07/27/11 12:49 PM
Many central New Jersey home owners believe that putting up smoke detectors and rolling their car insurance onto the home insurance policy are the only ways to save money on their home insurance bills. According to houselogic.com, they're often surprised to find that property and casualty companies offer a variety of other discounts, some for as much as 25%. Even better, those discounts are often applied for what some may consider to be obscure improvements. Today and next time, we'll look at some of the often unconsidered ways in which you can cut your home insurance bill without cutting corners. Let's … (0 comments)
new jersey real estate: Why Are People Buying Homes?
- 07/22/11 10:47 AM
These days, whenever folks in central New Jersey discuss real estate, it's all about the financial aspects of home buying. Keeping Current Matters this week hit on the questions that are on everyone's mind: “Where are prices headed? Where are interest rates headed? Should I wait to try and get a ‘better buy’? Should I wait until I can get a ‘steal’?” It all comes down to the same thing – is now really the time to buy? We've discussed before, and point again here to the fact that surveys keep pointing to the fact that price is NOT the reason … (1 comments)
new jersey real estate: Is 20% Too Much to Require as a Down Payment?
- 07/13/11 11:36 AM
A new and costly rule, known as the Qualified Residential Mortgage (QRM), is being considered by federal regulators. If this proposal passes, it will require central New Jersey home buyers to make at least a 20% down payment on a home purchase, in order to get the most affordable mortgage interest rates. Federal regulators have tinkered with taken a law passed by Congress and intended to prevent future banking collapses, and turned it into an unintended penalty for home buyers. Here's a cold, hard fact: Many hard-working, credit-worthy Americans have a difficult time saving for the down payment to buy … (1 comments)
new jersey real estate: Most Renters Want to Own
- 07/08/11 10:36 AM
We cite statistics often; it's a good way to help central New Jersey home owners to understand how others in the country feel about real estate trends. Well, it's time for another set of stats! This time, we looked at houselogic.com's report of the National Association of Realtors'® 2011 National Housing Pulse Survey, which shows that 72% of renters surveyed said owning a home is a top priority for their future. That number is up from 63% in 2010. It's clear that most Americans still believe that owning a home is a solid financial decision, and a majority of … (0 comments)
new jersey real estate: Be Fireworks Smart Before, During and After Your Home Fireworks Display
- 06/29/11 08:49 AM
Summer has officially arrived for central New Jersey home owners, and July 4th is the distinctively American holiday that marks the real summertime kick-off. Fireworks are a wonderful way to celebrate holidays, but they've got to be used with care! We'd like to join with the National Council on Fireworks Safety in encouraging all of our friends and neighbors to be fireworks smart, before, during and after their home fireworks display. Before your celebration: Choose an open area away from spectators, homes and buildings, and dry vegetation. Use a garden hose to wet down the area before setting off any … (1 comments)
new jersey real estate: Save Money With an Edible Garden
- 06/24/11 11:37 AM
These days, many central New Jersey home owners are experimenting with edible gardens. If you're trying to pinch pennies on your grocery bill, having your own edible garden is the answer. We agree with houselogic.com; the beauty of tending a backyard vegetable patch is that you can pick and choose what to grow. What could be more rewarding than customizing a mix that suits your family’s palate – and gives you a terrific return on investment? The Burpee mail-order seed company says that the average cost-to-benefit ratio of home-grown produce for those who have established gardens is better than 1 … (0 comments)
new jersey real estate: A Great Window of Opportunity for Home Sellers
- 06/22/11 10:47 AM
Recently, we've talked a lot about central New Jersey home prices. We agree with Keeping Current Matters belief that sellers have a window of opportunity for the next 90-120 days in which to sell their homes for maximum price. We share their understanding that home prices will drop later this year and the first half of 2012. All around the United States, existing housing inventory is already high. During the past few weeks, we've mentioned the fact that an inventory of distressed (foreclosure and short sale) properties will hit the market later this year. This inventory has been delayed for months … (0 comments)
new jersey real estate: Prices for Homes Will Continue to Tumble
- 06/17/11 11:02 AM
Recently, we've quoted several pieces from Keeping Current Matters, all of which said that now is the time to buy a central New Jersey home. We wholeheartedly agree that now is definitely the time to buy. Why do we say this? There's an important distinction to be understood. We – and many other sources, both within and outside of the real estate arena – aren't calling this the bottom for real estate PRICES. We do believe that the COST of purchasing a home is probably near a bottom, or has actually hit the bottom. The distinction here is that COST is … (2 comments)
new jersey real estate: How To Make An Offer That Won't Be Refused
- 06/03/11 12:02 PM
You've found the central New Jersey house of your dreams – congratulations! The house is getting a lot of attention from other buyers, and it's priced just right. This is the opportunity of a lifetime, and you don't want to miss out, right? You're fully confident that you're ready to put in an offer with the real estate agent right now. Remember – lots of other people are looking at this house, too. You definitely want your offer to be the one that's accepted. Is there anything that you can do to guarantee your success? According to KCM, financial … (0 comments)
new jersey real estate: Four Painless Ways to Pay Your Mortgage Off Early
- 05/27/11 09:52 AM
Are you a retiring baby boomer? If so, you may be a central New Jersey home owner who subscribes to the theory shared by many in that group that you need to pay off your mortgage in order to enjoy a debt-free retirement. In fact, a recent article from the National Association of Realtors® cites www.bankrate.com as saying that “paying off mortgages early is 'in,' and refinancing to take money out is 'out'.” Want to be part of the “in crowd?” Here are four ways to do just that: Pay a little more: Paying a little more principal lowers the amount … (0 comments)
new jersey real estate: It's Time to Get Out of the House and Enjoy Spring!
- 05/25/11 12:31 PM
Most weeks, we use this space to keep New Jersey home owners up to date on current news and trends in real estate. This week, however, we're going to do something no less pertinent, but a little different. Today, we're going to introduce you to a sampling of the you-pick farms right here in central New Jersey. There's nothing like a trip to a local you-pick farm (or a farmer's market, or even a farmstand!) to jumpstart your own “outdoor activities” system. You can do as much – or as little – of the work as you want, and most … (2 comments)
new jersey real estate: How Much Money Would You Deposit In This Investment?
- 05/20/11 02:47 PM
Conventional wisdom doesn't always apply to New Jersey home owners...consider this investment scenario presented by Keeping Current Matters: You determine the length of time, and the monthly amount you want to contribute. You can always contribute more, but never less. If you do contribute less, all previous contributions will be forfeited. The monies you deposit are not safe from a loss of principal. The monies in the account are not liquid. Your income tax liability actually increases with every contribution. Your money earns a 0% rate of return. When the investment is fully funded, there is NO income paid out. On … (0 comments)
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Although most central New Jersey home owners are well on the road to putting Tropical Storm Irene behind them, there are some truly unpleasant reminders of her presence lingering in many homes. And, according to houselogic.com, the worst part may be what you can't even see.
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