Its inevitable this recession isnt going to have a quick recovery,
unemployment isn’t going to be at 2-4% anytime soon, banks are still strict
with lending,  but the most successful CEO’s, entrepreneurs adapt to change
and as home buyers, home sellers and real estate investors so do you, life
is one big business transaction.  Homebuyers what is the biggest challenge?
Living pay check to pay check right?  Well there are numerous things to free
up hundreds if not even thousands of dollars a month

1) Call your bank on refinancing your current mortgage or doing a loan
modification to lower rate.  You owe more then your home is worth, well
Obama implemented the HARP program and most large lenders participate in
this program but they wont tell you that.
2) Put homeowners insurance and car insurance with one company for discounts
and increase deductibles from $500 to $1000
3) Negotiate with your credit card companies to lower interest rates or
consolidate onto one credit card AND SHREAD the others, if you cant afford
to buy cash this month you wont be able to pay it next month you have the
same expenses.

Homesellers

If you need to sell this is the time, the real estate market has yet to
depreciate approx 10-15% before hitting bottom and then its going to be
stagnant for years before the next upswing.

Do you own your home free and clear (mortgage free) but dont want to sell
because the market is weak?  Do you want to get $600k for your home that is
only worth $300K?  Well with todays strict banking guidelines, it is
attactive to buyers if the owner provides OWNER FINANCING when selling.
This will allow you to get a steady stream of monthly income, net more money
for your home because your collecting principal and interest, worst case
scenario if the buyer defaults you keep a 10-20% deposit that they made,
payments that they made and you get your house back.  THIS IS ALSO GREAT FOR
RETIREES WITH SHRINKING RETIREMENT PLANS LOOKING FOR STEADY INCOME AND
AVOIDING PAYING TAXES AT CLOSING IF THEY TOOK ONE LUMP SUM.  ITS LIKE THE
LOTTERY ANNUITY OR CASH =)

Real Estate Investors

WOW this is the time to make money, lowest interest rates in history, ample
inventory to choose from and contractors looking for work, perfect formula
to make money.

You have money in the bank collecting 1-2% interest, well how about
investing it into rental properties and netting a greater return.  Why not
purchase a fixer upper multifamily home renovate it, rent it out and resale
for profit.  If it sells you make money and worst case scenario it doest
sell you have a positive cash flow every month with a property with equity
either way your making money.  Not into being a landlord, why not purchase a
property .40-.50 cents on the dollar from the banks REO inventory for
resale, cash is KING for amazing opportunities.  Word to the wise, just like
the stock market know the real estate market your investing in, study market
trends, number of sales past 3mos, number of inventory currently on the
market, demand etc.

Business Owners looking into the ARC Program (Wachovia and Chase have
special phonelines dedicated to this property) interest free loan up to $35K
to help business owners keep there doors open

I wish you all happy savings and if you ever have any questions please feel
free to contact me anytime

Property Description
EXQUISITE GEORGIAN COLONIAL. METICULOUSLY & BEAUTIFULLY UPDATED WITH ATTENTION TO EVERY DETAIL! STATE-OF-THE-ART GRANITE/MARBLE KITCHEN.UPDATED MARBLED BATHROOMS. NUMEROUS STYLISTIC DETAILS, SUCH AS DECORATIVE CROWN MOLDINGS, HIGH CEILINGS, GORGEOUS HARDWOOD FLOORS & MORE! FANTASTIC HALF AN ACRE PROPERTY.CENTRALLY LOCATED. HOUSE IS CABLE/COMPUTER CAT5/CENTRAL SOUND WIRED. ALL BEDROOMS ARE GENEROUSLY SIZED. A FOURTH ROOM ON 2ND FLOOR IS IDEAL FOR HOME OFFICE OR NURSERY. WONDERFUL BASEMENT W/LARGE RECREATION ROOM, SUMMER KITCHEN, LAUNDRY ROOM & WORKSHOP. 2ND LAUNDRY ROOM ON 2ND FLOOR.NEW FRENCH WROUGHT IRON DECORATIVE RAILING W/SOLID OAK WOOD BANISTER. NEW SAN PAULO CARVED FRONT DOOR W/ETCHED GLASS.NEW SIDE ENTRY DOOR W/DOUBLE LOCK. RECENTLY PAINTED 2005 ALUMINUM SIDING. GREAT BACK PATIO (20X40) W/ PAVER STONES. HUGE, PROFESSIONALLY LANDSCAPED PROPERTY. NEWLY SEEDED FRONT & REAR KENTUCKY BLUEGRASS LAWN. NEW 2 ZONE CENTRAL AIR-CONDITIONING. GARAGE IS AS IS CEMENT SLAB W/RETAINING WALL

Visit http://ournjhouse.com/photos.php?property_ID=35794 for photos and details

3rd Annual Paramus Freedom Walk

 What: Paramus is located less than ten miles from New York City. We suffered great losses on September 11^th.  Even though eight years have passed, the hurt still lingers. In January of 2007 Joey Rizzolo decided to initiate a Freedom Walk. The walk is aimed at honoring those touched by 9/11….. a mother or father who lost a child or a child who lost a parent: the First Responders who lost their lives or the ones who saved lives: soldiers who served to keep us free and the ones who are serving now.          

 Where: Paramus Band Shell (behind the Paramus Public Library). Century Rd. Paramus NJ

 When:    Sunday September 6, 2009

       Registration - 7:00pm

   Walk Begins at 7:30

 How: The success of the Paramus Freedom Walk depends on you!! Individuals who walk to remember lives lost on 9/11 and to honor local First Responders and Veterans past and present. Encourage your friends to get involved: recruit a group to walk with you. It’s a day people gather together, to stop and remember. A day to realize how lucky we are!

“There is no slow down for my company,” says Matt Belcher of Belcher Homes in St. Louis. “Last year we did 15 green homes, and this next year we’ll do 25. I don’t build anything but green homes.”

Belcher says that a confluence of green products, how-to-build-green information, and customers easily sold on the concept have greatly reduced the obstacles builders used to face in getting started. By using the resources now readily available from nation and local home builders associations and other organizations, any builder can establish an individual plan to go green and execute it.

Emily English, director of the National Association of Home Builders’ Green Building Program, says the NAHB’s green Green Building Guidelines publication lays it all out in phased steps.

Step-By-Step Break Down

“There is a learning curve to switching to green practices,” says Emily. “So we have different thresholds of building green, starting with bronze, then silver and gold. The first part of the Guidelines is a checklist for what level of green you are building to. The second part of the Guidelines is how to do it, and a source of resources.”

The process of going green is broken into seven guiding principles (Resource Efficiency, Lot Design, Preparation, and Development, etc.) which each specific element in a principle section given a numerical value. By adopting elements from each of the seven sections into your building program, you move into green building step by step.

“Its easier to go green this year than it was last year,” says Belcher, who will chair the NAHB Green Building Conference March 25-27, 2007 in St. Louis. “There is so much more information out there. Our local HBA of Greater St. Louis and Easter Missouri just adopted the NAHB’s Guidelines. We tweak them for our area, but there isn’t much tweaking needed.

“On the product side, all the manufactures of building components saw the writing on the wall, Belcher adds. “Green products are about all they’re pushing.”

Selling the Green Bling

Belcher said the two largest potential stumbling blocks to going green have been selling the green concept to dubious customers and turning concepts into practice on the job site. Although these are the most crucial aspects a builder needs to get right when switching over to green practices, Belcher doesn’t view them as obstacles any longer.

“I sell the customers with what I call ‘green bling.’ I tell them about things like photovoltaic, structural insulated panels, and the fact that lenders are raising the value of green homes by as much as 18%,” says Belcher. “And when I tell them we are going to build a 3,500 square-foot home and their electric bill won’t be more than $125 a month, it gets them going pretty quick.”

English and Belcher offer a couple of tips for builders to keep in mind as they go green:

• Getting the trades on board was more of an issue in the past than it is today, as the green trend generates infomation, products, workshops and buzz. Still, English says, builders switching to green should plan on spending extra time training the trades and supervising crews on site.

• Belcher advises builders to tell their trade contractors from the very start exactly what they are doing -and why. “These guys pride themselves on being craftsmen, and they appreciate being involved in these advanced building techniques.”

“I can say that using the Green Building Guidelines has improved my bottom line dramatically. I am not wasting a thing,” says Belcher. “After my first few green houses, I was thinking. ‘Why haven’t I been doing this all along?’”

After all, the process of selling a home is always complex. For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at www.OurNJhouse.com or www.OurBergenCountyHouse.com or www.SellWithMelNJ.com

After all, the process of selling a home is always complex. For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at www.OurNJhouse.com or www.OurBergenCountyHouse.com

For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at www.OurNJhouse.com or www.OurBergenCountyHouse.com

Cresskil NJ            2Br 1bth Cape             $259,900

Garfield NJ            3Br 2bth Col                $235,900

Hackensack           2Br 1bth Col                $118,000

Hillsdale                 5Br 4bth CHC             $635,800 New Home

New Milford          2br 1bth Col                $279,900

Norwood               3Br 1.5bth  S/L            $381,150

Park Ridge             3Br/3bth 100×125 lot   $333,600

Ridgewood            5br 3.5Bth New home   $699,900

River Edge             4br 3bth Col                 $623,700 Originally $760K

Upper Saddle River 7Br 7.5bth  11,000 Sqft of Luxury Living Space $2,795,000 Originally $3,990,000 (Not a Foreclosure/Short sale Just an Amazing deal)  

For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at www.OurNJhouse.com or www.OurBergenCountyHouse.com

For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at http://www.ournjhouse.com & www.OurBergenCountyHouse.com

For assistance is selling your home in Bergen County, River Edge NJ, Oradell NJ, Paramus NJ, Emerson NJ, Fairlawn NJ. Contact Carmelo Oliveri, Coldwell Banker Realtor at (201) 618-2854. Visit our web site at http://www.ournjhouse.com & www.OurBergenCountyHouse.com

Bergen County NJ, Paramus NJ