Wayne 's Blog

During the week of the most recent USPS stamp increase, I farmed an area for listings and what I did to get the homeowners' attention was to include a few one cent stamps in the envelopes.  My message was, "Enclosed are a couple of one cent stamps in the event you are not able to make it to the p...

What Is An FRM? Fixed Rate Versus Fixed Payment   An FRM is a mortgage that has no provision for changing the interest rate. Hence, the rate stated in the note is fixed for the entire term of the loan. Usually, the term "FRM" also means that the payment is fixed for the life of the loan and pays ...

Buying a HomeWhat to know before you take the plungeBuying a home is the biggest financial challenge most people ever face. It's hard, it's stressful, and it's time consuming. And yet thousands of people stand up to this challenge every day with a mixture of hope and determination, because home ...

If you are considering purchasing a home in the Middlesex/Somerset County area of New Jersey, below is a top level analysis of the active listings in some of the areas most desireable areas. The listings are separated by the year in which they were listed so you will see that the average listing ...

Finding Your Realtor by "Accident"When someone decides it is time to sell their home, they interview several Realtors from different companies to determine which one is best for them. They want someone who will represent them and someone they feel will do an effective job at marketing their home....

The Business Cycle and Buying a HomeRecession and ExpansionThere are times when the economy is brisk and everyone feels confident about his or her prospects for the future. As a result, they spend money. People eat out more, buy new cars, and.......They buy houses.Then, for one reason or another,...

Why Buying a Home is a Good Idea The Best InvestmentAs a fairly general rule, homes appreciate about four or five percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood, and region to region.Five percent may not seem like that much at first. Sto...

Why You Should Not Buy a CarWhen you get a raise or accumulate some savings, you may find yourself confronted by an innate instinct of modern civilized men and women.  The desire to spend money.  It begins simply, by going out to restaurants, then accelerates to purchasing clothing, electronic ga...

Should you hire a home stager? A stager can recommend quick fixes to increase your home's appeal or redecorate it from top to bottom. Printer Friendly Email To a FriendThey're the fairy godmothers of the real estate industry. They take your dark, cluttered and style-challenged home and transform ...

2,000,000 searches performed to date on the HRC! The HRC was launched in August, 2005.The NJHRC is a partnership of:Department of Community AffairsDepartment of Human Services- Division of Disability ServicesFunding provided by the Real Choice Systems Change grant from the Centers for Medicare an...