It All About Maintenance

A Robert Frost poem said "Good fences make good neighbors" but regular maintenance makes good fences. Washington Township residents want to spend less time tending their fences. In an article Ryan Tracy reports Residents desire easy-care yards in the Times of Trenton today. Residents want to replace the care and maintenance of wooden fencing with what they think is a low maintenance material, vinyl. Wooden fencing requires maintenance at least every other year and tends to crack and warp. Vinyl fencing tends to get dirty and will require washing or scrubbing or power-washing or some combination. No matter what the fencing material, to keep that ideal suburban look some effort is required of the owner, be it painting or scrubbing.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Home Maintenance

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For more information on Real Estate in New Jersey visit here.

Short-sightedness May Hurt Seniors and Working Poor

Steve Chambers of the Star Ledger writes Affordable housing in NJ nears its sunset. New Jersey, like other states, offered developers breaks to keep housing affordable for ten to thirty years. The affordable housing helped to assist senior citizens and working class families. Now that the term is ending these communities could see increases in their living space costs. The expiring contracts cover housing projects, assisted living units, section 8, and sections 202 and 515 housing loans. One wonders why 10-30 years rather than a permanent solution.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey

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For more information on Real Estate in New Jersey visit here.

Check Your Credit Report

Eileen Alt Powell reports that federal laws protect consumers' saving and loans in today's The Times of Trenton. Since mortgage companies use credit reports and FICO scores to determine whether a buyer is likely to default on their loan, it is in a buyer’s best interest to check his credit report at least once a year. Get reports from each of the three main bureaus – Equifax, Experian, and Trans-Union; it’s free.

“Often the first place that signs of ID theft show up is on your credit report,” said attorney Joel Winston, an associate director in the Federal Trade Commission’s bureau of consumer protection.

Disputing information found in the report and placing fraud alerts on their credit files can assist consumer who believe they are victims of identity theft. There are laws in place to protect consumers.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Credit Report

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For more information on Real Estate in New Jersey visit here.

Economic Growth Expected to Soften

Reuters reports on a Federal Reserve study that says it was technology and not speculation that drove the housing boom. The study debunks the bubble theory but the market is still deflating much like a balloon or tire with a leak. The study also said much of the economic expansion this period was driven by equity from rising home values. Economic growth could slow when these gains dwindle.

"The wealth effect is fading and the economy is slowing," said Elisabeth Denison, economist at Dresdner Kleinwort Wasserstein.

John Fisher and Saad Quayyum, economists at the Chicago Fed and authors of the report do not expect growth will soften too far below its long-term trend.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, New Jersey Housing Bubble, Housing Bubble, Housing Sales>, Economic Growth

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Too Good To Be True

Greg Saitz reports Wayne Puff and his alleged fraudulent NJ Affordable Homes is answering to the SEC and paying a hefty price in having assets auctioned off. The sell-off of 390 company properties is set for September 29 – October 30. The SEC alleged NJ Affordable Homes was a “Ponzi” scheme “Ponzi” schemes are pretty hard to differentiate from legitimate investment schemes, until they start to fall apart. Still the rule your grandma told you about if something looks to good to be true, it probably is... might not be a bad one to keep in mind. I just love it when Granny’s right!

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Real Estate Auctions, Real Estate Scams, Real Estate Fraud, Real Estate Bankruptcy

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For more information on Real Estate in New Jersey visit here.

Auctions Replace Negotiated Settlement? Not Likely

Just found a article at a fellow NJ blogger site talking about the Prudential, Fox & Roach deal with Sheldon Good & Co. Frankly, auctions are a marketing tool for a quick sale. It is true that there are bargains to be found at auctions, but everybody has to have done his homework and know the market value of the property at bid. Novice or inexperienced bidders can drive the price of a property well beyond the market value. Also non-motivated sellers can set unrealistic reserve prices that prevent the property from selling too. It all about executing the "Know". Perhaps Prudential can help with the "Know". We just have to wait and see.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Housing Auction, Prudential Fox & Roach, Sheldon Good, New Jersey

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For more information on Real Estate in New Jersey visit here.

Revenue Generators: Condos or Apartments

Read curious article over the weekend in Reuters that said developers who planned upscale condos were likely to down-grade the condos to apartments as a result of the slow housing sales. It would mean eliminating higher-end amenities to cut costs, but it was a way to complete projects.

”"There are definitely an awful lot of projects in the pipeline initially designed as 'for sale' that, I understand, can get converted as they approach completion," said David Seiders, chief economist for the National Association of Homebuilders”

Wondered if that is what will happen by the Trenton-Mercer airport where high-density housing is planned. If so I cannot see how the change would not have affect on the Ewing school system or help the township's revenue generation woes.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, New Jersey Condos, NJ Apartments, Condominiums

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For more information on Real Estate in New Jersey visit here.

Opportunity's At the Window

Housing sales continue slide

While it is true housing sale continue to slide and there is an increase in the incentives and terms that sellers and builders are offering buyers and

Indexes extend losses

the stock market is showing concern over the speed of the housing slump houses are continuing to sell.

Mortgage rates fall for 5th week

It looks like there is a window of opportunity opening for buyers now that interest rates have fallen for the fifth week. How long the window will be open or how wide it will get is anybody’s guess. We just have to hope the Fed's economists don’t run scared and shut the window too soon. Still it is a fine economic lesson for those of us watching predictions and interdependences that make up our economic system.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Interest Rate, Mortgage Rate, House Buying

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Kudos to the Governor

Corzine announces flood-control plan

Well it's cheers for Governor Corzine (seen above with Commissioner Kevin Ryan of the Department of Children and Families). Seems the Governor is really going to tackle some to the problems New Jersey residents have faced for years. First he is forcing the legislature to do something about property taxes and now he has proposed a flood-control plan that includes things like doing something about the flooding that happens on Route 29, restricting building around rivers and creeks for a much as 300 feet, and making builders bring-in and take-out equal amounts of fill. Now if the plan gets some tough penalties and strict enforcement maybe New Jersey can continue to be the Garden State even when it rains.

Here's the press release too!

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey

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For more information on Real Estate in New Jersey visit here.

Tip of the Day: Homeowners’ Insurance

Watch out on your homeowners policy

After all the post-Katrina publicity, most people know that homeowners insurance may not cover flooding expenses but there are other gaps in insurance coverage worth noting. New Jersey residents might want to check their policies and make adjustments. Most important is replacement costs as opposed to actual depreciative value. Replacement insurance is more expensive than the cost of actual depreciative value which is the standard coverage. Replacement insurance is meant to replace the item rather than a company assigned depreciative value. Oftentimes there is a cap placed on the replacement costs. If there is a cap make sure it is set at 150% to 200%. The article is worth a read for homeowners.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Homeowners Insurance, Insurance, New Jersey Insurance, Homeowners

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For more information on Real Estate in New Jersey visit here.

Disturbing Practice Reported

The Times of Trenton ran a story today that is not available online entitled, “Practice hides real deal on homes for sale”. The story talks about a practice that just may undermine public trust in Realtors. The practice is designed to hide from buyers how long a house has been on the market and how far the price has fallen in that time. One broker even said it was a “marketing strategy”. If it is a marketing strategy it is dishonest because its primary purpose is to hide the truth about a property. A realtor is skilled negotiator. Doing that job should compensate for length of time a house is on the market or the number of price reductions.
That the market is cooling means buyers are going to be more reluctant than last year to pay the seller’s price. Price reductions are expected. Tougher negotiations are expected too. I would hate to think my colleagues don’t want to earn their commission. It is my hope those doing this stop before any other action becomes necessary.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Realtors, New Jersey Realtors

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For more information on Real Estate in New Jersey visit here.

Housing Potpourri

Housing sales dive 16.3% in Jersey

The Star Ledger reports housing sales fell in June. It also reported that housing prices fell in Central New Jersey.

Replacing Old Door Hinges

When steel and brass hinges show signs of rust, Tim Carter tells homeowners how to replace the hinge without having to buy expensive tools.

2005 New Jersey School Report Card

It is time for back to school shopping and you can check the report card for your child's school. The New Jersey Department of Education released the 2005 School report card. The 2004 report is also available.

New bill calls for school fees ban

A bill to prevent school districts from assessing activity and sport fees on families. The only school district charging these fees is Washington Township but Assemblyman John Burzichelli
present the bill because he was concerned charging the fees was a wrong direction for school districts.

"Without this (bill), we are allowing such fees to gain momentum in school districts," he said. "It's a bad thing to have and will result in a slippery slope."

Looking to parents to replace funding cuts from the state in public schools does seem a bit of a misnomer but funding must come from somewhere. Washington Township's attempt to keep fund extracurricular activities and sports without looking to property taxes for funding is admirable. If it worked like Assemblyman Burzichelli suggests that only children from families able to pay these fees could participate then yes, it is troubling in public schools because at present property taxes fund public schools.

Growth dilemma for food kitchen

Trenton area soup kitchen will begin an expansion project in September. The 3500 square foot project will allow the soup kitchen to meet the growing number of New Jersey residents it serves to sit and eat their meal. While New Jersey is one of the richest states in the country, 40 percent of families receiving emergency food assistance report having to choose between "buying food and paying utilities, rent and mortgage".

With the wealth to only 10 percent of the population nationally the divide between the rich and the poor is expanding. The gap between the rich and the middle class is also expanding. The Times asks a valid question of New Jersey residents, "Why are we growing soup kitchens?"

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey

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Fiscal Challenges

Well it begins. Mercer County and Ewing Township are on a path that leaves residents, potential residents and local enterprise on the road to conflict. New Jersey residents want lower property taxes. Counties and Townships need capital to provide residents with services. As the state looks to reform the tax system and those system dependent on the tax revenue, many townships are struggling to meet their budgets without making further monetary demands on residents.

Ewing Township

Ewing Township needs to increase it revenue to continue doing business for its residents. With New Jersey having the highest property taxes in the country and the legislature meeting in special session to address the property tax issue, Ewing Township approved a plan for high-density housing, condominiums, near one of the Trenton-Mercer airport's runways (see Housing News Potpourri). Did the Township know that their residents were already complaining about the noise living near the airport? Yes. Did they know that the new residents would probably have noise issues too? Yes. Did they suggest that the condo residents would not further distress the school system i.e. no school age children in the condos? Yes. Did township officials suggest the occupied condos would generate needed revenue? Yes. So who is the expected target market for the condos? Was there another location for the housing available within the township? According to the board, no.

Mercer County

Plan brings Delta line to Trenton-Mercer

Mercer County has on numerous occasions attempted establish commercial airlines at Trenton-Mercer airport. They were unsuccessful but the efforts were on record. Finding the right airline to bring the correct size plane to the airport was just a matter of time. Will the plan bring revenue to the area? Yes. Will Ewing residents near the runways still complain? Probably. Should the county discontinue its attempts to attract commercial airlines to the Trenton-Mercer Airport? No, Ewing Township and Mercer County need the kind of enterprises with the airport's potential to expand its revenue generating sources.

Mercer County deals with complaints from current Ewing residents about the noise related to airport activity. Township officials are also aware of constituent complaints about airport noise but approved high-density housing near the airport anyway. Though the Township's decision, distressed the County, they continued the plan to attract commercial airlines to the airport knowing complaints would likely increase with the traffic.

Finding Common Ground

Both the Township and the County are trying to generate needed revenue. Working to increase the attractiveness of the airport will help both the Township, though not immediately and the County. Ewing Township needs the airport to become a thriving concern to attract more business to the area. If the airport gets more use by area business and businesses wanting to do business use the airport for its convenience and will consider locating in the area. With a little imagination and some cooperation both Ewing Township and Mercer County can meet their budgets and provide essential services to their residents.

Ewing residents currently living near the airport and those who unknowingly purchase one of the new condo will still have airport noise. The noise is not going to go away. A successful airport means even more noise in their future. At least Comair has proposed a schedule that allows residents to sleep-in until 7 a.m. when the first flight will depart and end their day after the last arrival at 9:30 p.m. As a compromise, it is not the greatest for families with young children or others who go to bed early; but otherwise it is pretty good. There is no simple solution to the fiscal challenge of balancing a budget but without reliable state dollars, but townships like Ewing will have to be creative and forward thinking in order to survive.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey

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For more information on Real Estate in New Jersey visit here.

Spending Maintenance and Upgrade Dollars

There are maintenance dollars and there are upgrade dollars. Maintenance dollars are what is used to keep things in working order around the home. Maintenance dollars also replace worn out appliances and big ticket items like the roof or the furnace. Maintenance is the key to getting back at least what you paid for the property plus the market increases. Upgrade dollar on the other hand improve the quality of your life but do not necessarily add to the value of a home. The best use of upgrade dollars is to improve the property – things that increase the value like increasing square footage of the home. Upgrade dollars tend to be used less frequently than maintenance dollars. Still homeowners need to plan for both expenditures -- 85% for maintenance and 15% on upgrades.

Batheing Beauties

Right now pools are hot! With the summertime temperatures into the 90’s and higher, relaxing in the pool after work seems like just the thing. While it is true that more people want to have a pool in their back yard, when it comes to resale value the pool will cause some buyers to look elsewhere. The dangers to families with young children, the expense of maintenance, the increase in utility costs are all things prospective buyers look at before they make an offer. The stories of toddlers harmed by getting through fences and gates to the pool are too numerous for parents with youngsters to consider a home with an in-ground pool. The last thing you want is to run off potential buyers.

The above ground pool also tends to be a disadvantage to these families but less so than the in-ground variety. The advantage of the above ground pool is that it can be excluded from the sale and moved to the new house if the buyer does not share your enthusiasm.

Consider also increasingly homes are within developments that have a community pool, tennis courts and club house within the development. The homes are closer together and have less acreage per unit around the home – which is prohibitive to an exterior pool. Access to the communal pool is not far away. Instead of having to maintain a pool, the development does and charges you a fee.

Upgrade dollars are better spent on finishing the basement, the attic, moving the laundry room to an upper floor or increasing the square footage of the property.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Investing, Housing Maintenance, Housing Upgrade, Home Maintenance

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For more information on Real Estate in New Jersey visit here.

Untapped Resource

While the home selling boom is ending, the new trouble spot is home maintenance.
More New Jersey residents are finding home maintenance a challenge according to Beth Fitzgerald in her story:

Dire State of Repairs

Homeowners often allow contractors they don’t know to make repairs without checking there license, checking their references, or even checking to see if there have been complaints lodged again the contractor. Home improvement contractors are required by law to register in New Jersey. Complaints against home improvement contractor have been rising steadily for the last few years.

Source: New Jersey Intstitute for Social Justice

The best way to find a good contractor is to ask the real estate professional from whom you purchased your home. Not just because I am a real estate professional do I recommend this. The truth of the matter is a real estate professional has an interest in you keeping your home in the best condition that has nothing to do with the friendship you developed while looking for your home: future commission. Whether you sell with the same real estate professional or not the potential for commission either as the buyer’s or seller’s agent means that homeowner have a place to look for home contractors that are likely to do a good job. I know I have a list of contractors for all kinds of home repairs even though few homeowners contact me for them. I don’t see why my colleagues would not have them too.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Home Maintenance, Home Repair

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For more information on Real Estate in New Jersey visit here.

Housing News Potpourri

Plan for 270 condos near airport draws criticism

Okay, can somebody explain to me what the Ewing Township planning board was thinking? They are going to put 270 condos less than 1000 feet from a Trenton-Mercer airport runway. The fact that there are complaints from other Ewing residents who live with the noise on record did not seem to matter. People moving into these condos are not expected to put a strain on the school system i.e. singles or empty nesters downsizing after raising their families. I can just see it, you’ve gotten Suzy and Joe Bob Jr. through college, nearing retirement. The kids are beginning their lives and now its time to downsize the homestead. Happy retirement? Not likely with the whine of 280 planes and helicopters taking off or landing each day! Who is going to want to live with that?

Fed finally takes break: Interest rates

After two years of increases, it’s good news about the short-term interest rates from the Fed. They are going to remain at 5.25 percent at least for now. The prime rate (what banks charge their best customers) is 8.25 percent for now. The move will not affect mortgage lending rates yet.

Toll Brothers says home building still sliding

News from Toll Brothers is not good. Orders for new housing fell 47% this quarter for Toll Brothers so it cut its forecast for the number of homes it expects to sell for the fourth time this year.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, New Housing, Fed Rate, Interest Rates, New Home Building, Ewing Housing, Airport Condos

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For more information on Real Estate in New Jersey visit here.

Mortgage Repayment: Sooner Is Better

"Paying off the mortgage could keep mom home"

If you can get your hands on a copy of Sunday’s The Times of Trenton business section there is a case worth reading. The Your Money section holds a column: "Get With the Plan" that highlights personal finance concepts using financial information supplied by real people. This week’s column uses 32 year olds Betty and David finances. They have a winfall of $160,000 inheritance. The article discusses the best use of that inheritance with their goal in mind.
The print version details on the couple’s assets and liabilities as well as their monthly expenses. The article makes more sense seeing the breakdown so that is why I am recommending getting your hands on the print version of the column.

"Painful ARM twisting"

Chuck Jaffe of MarketWatch suggests that the after-effects for the market boom will become a cautionary tale for future generations. With the increase in interest rates the popularity of Adjustable Rate Mortgages (ARM) are resetting and in the end may cost some people their homes.

"Mortgage defaults up 67% in California"

Already in California mortgage defaults have increased 67% which is a three year high. As more companies feel the adjust to higher costs and more people face unemployment the expectation is for more people to have difficulty meeting their mortgage commitment.

"Slow Job Growth Could Give Fed Pause"

With job growth slowing there is a real disaster in the brewing for some homeowners. Unemployment rates rising again may encourage the Fed to leave interest rates alone but that probably will not help people with ARM loans that are due to begin resetting over the next few years.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, New Jersey, Personal Finance, Mortgage, ARM Mortgage, Interest Rate, Unemployment, Job Growth, Finances

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For more information on Real Estate in New Jersey visit here.

Purchase Your Home With Education in Mind

It is desperate times for New Jersey's school funding according to an article that appear in Tuesday's Times of Trenton entitled "These are desperate times for state's school funding". What that means to buyers is they must buy with their education needs in mind. For example, if you are going to start a family in the next ten years or have school age children then purchasing in a good school district should be a consideration. The money you pay in property taxes will allow you children to go to the neighborhood school rather than having to pay fees to a boarding or private school. Empty nesters can look for home without making the educational system a primary consideration, instead they may look primarily at property taxes.

Whether just purchasing your first home or down-sizing to a smaller home interest in property taxes. The legislature is meeting in special session to examine how to lower property taxes. The first panel was told today that the best option to look at were income and sale taxes. Here's a link to the story:

First property tax panel told income, sales taxes best options

Keeping track of what New Jersey legislature comes up with in the guise of property tax relief is something every New Jersey resident needs to follow. It is not like there are a lot of other places to find the money needed to fund schools and municpal services. That New Jersey has 566 municpalities is something the legislature should look at too. Hopewell township is seeking to consolidate with its neighbors but unfortunately the first the neighboring boroughs hear about the plan was in the media.

Hopewell Twp. eyes consolidation plans

It begs to question how serious the mayor of Hopewell could have been to not talk to the neighboring mayors prior to the media. Still more municipalities are going to have find there own workable solutions if they don't want the to leave it up the the state.

All of these factors will contribute to where you decide to make you home in varying degrees. Having the information available to you is probably easiest if you consult your real estate professional or are willing to spend some time doing some research. Either way what happens with property taxes right now has to do with school system needs. It may not be that way in the near future.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Property-taxes, School Funding, Schools, Property Tax Relief, Property Tax Reform

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For more information on Real Estate in New Jersey visit here.

It’s Out There – Property Tax Relief/Reform Solution

Well Jon Corzine tried something ambitious last week. He charged the legislature to find a viable solution to the ever increasing property taxes or he would give the people a chance to do the legislators job. Sounds like this governor wants what we all want – property tax relief and reform.

In her article, How do you spell (property-tax) relief? C-o-n-s-o-l-i-d-a-t-i-o-n in The Times of Trenton on Monday Joan Verplanck suggested “radical ideas will have to be accepted and the status quo will no longer be acceptable.” The idea of consolidation of municipal services sounds good in theory but I would like to hear more about how it has worked in other places before trusting my burning home (for which I pay increasing property taxes), to say a fire company from two towns away or trusting a police officer from one town over to get to my house in time to catch the burglar I heard breaking in.

For example, John Fiocco Jr. died in the small community of Ewing, NJ on the campus of The College of New Jersey. Now in that community the College has a police department and Ewing Township has a police department yet the crime goes unsolved. Why? Neither police department is very big. The Fiocco case even involved the State police because the search required looking in a land-fill in Pennsylvania (where the body was eventually found). While the skills of policing are the same dealing with the general public and dealing with college students probably requires a different skill set. Still one would think combining the two departments and augmenting officer skill sets would allow both communities access to a better trained police force.

Since here is some redundancy when it comes to policing, I imagine there is a similar problem with fire department. If there were a way to consolidate services that would keep response times around the five minutes or less mark and keep the bulk of a police personnel in areas of heavier crime activity then consolidation makes sense. Consolidating fire departments is a quite different matter. Fire is a living thing in that it breaths and feeds. It packs a deadly punch with its companions smoke and heat. Smoke kills long before fire does so having fire equipment in neighborhoods is essential. Consolidating here will require a careful hand if lives are not to be lost.

Do I think that legislators will be able to come up with a plan that satisfies everybody? Give me a break. Do I think they will come up with something that will replace rebates with -- like Bill Dressel suggests in his Tax process has begun article in The Times of Trenton -- something that will not “necessitate service and program cuts? It is doubtful -- after all sensitive topics like this and angry constituents do not make for long careers. Do I think that Governor Corzine’s threat to support a citizens’ constitutional convention (CCC) next year has merit. Yes, if he will really follow through with it. Do I think the CCC has a better chance of coming up with a solution than the legislature. Yes, because having to pay ever increasing property taxes is a great motivator to finding property-tax relief and ultimately property-tax reform.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Property-tax Relief, Property-tax Relief

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For more information on Real Estate in New Jersey visit here.

Tip of the Day: Buying with a Low Down Payment

Purchasing a home use to require a down payment of about 20 percent. The amount lenders require has changed. A government pamphlet available online does a pretty good job explaining the process of purchasing a home with a low down payment.

The pamphlet many question that first-time home buyers have. There is even a worksheet "Evaluating Financial Resources" which can help determine net and gross monthly income. It is a pdf form so it is convenient to print out. There are other pamphlets that cover financing and sales of property but also home maintenance. Are available online without the usual fee charged for print copies. The site is worth checking out.

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Technorati: NJ Real Estate News, Real Estate, NJ Real Estate Blogs, NJ Housing, New Jersey, Home Buying, Low-Down Payement, Government Pamphlets, Federal Citizen Information Center, Home Maintenance

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