Previous month:
December 2014
Next month:
February 2015

January 2015

Benefits of Owning Your Home

  FREE REPORT # 5 From Gloria

There are many financial and personal
why you
should own your own home rather than rent. 
The obvious reasons include pride of ownership, building your own equity
instead of someone else’s, no more landlords, and of course the tax benefits you
reap. There are a multitude of other
reasons why owning your own home can make your life better.


One of the most overlooked reasons for owning a home is the freedom you
get once you have achieved this major goal in life. Many first-time homebuyers find that once
they have bought a house, many other aspects of their personal life seem to
fall in place. The security and piece of
mind that come with home ownership is a great accomplishment in many people’s
lives, and once they have overcome the obstacles, they find that other goals
they had set out to achieve become much easier to attain.


There is a great sense of belonging to the community once you own a
home. You begin to feel more attached to
the city and its people. You will find
yourself more



involved with community events - what
is happening with the schools, roads and shopping centers in your area. Some new homeowners find themselves getting
into local politics in order to create better surroundings, which is something
renters seldom do.


Home ownership is a strong anchor for
your life.
You have something that represents a strong
commitment and a sense of stability. 
Again, the aspect of freedom comes up - you won’t have to worry about a
landlord telling you it is time for you to move, your children won’t have to
worry about whether they will have to change schools, and you are blessed with
the ability to plan for the future.

By owning a home, you will find yourself in more
control of your immediate surroundings. 
You can change things and decorate to your tastes, and not be limited by
the standards of a landlord. You do not
have to seek someone else’s approval if you decide to remodel or alter the
landscaping. Your home truly is your


If you have children, you will find that they feel more
secure when coming home to a house that is not owned by someone else. There are no worries that they will be
suddenly forced to change schools and reestablish their lives at the decision
of someone else. You can also get to
know your neighbors, and if they have children, lifelong friendships can be
formed because everyone knows that they will be around each other for years and


One final aspect that cannot be
is the
pride that you feel when you own your own home. 
You have proven to yourself that you can achieve monumental goals and
can give your family the security it needs to move forward in life. Once you have built up equity in your first
home, you can leverage your equity to purchase a nicer home later.


Choose your agent wisely. Working with a full-time
professional real estate agent is a must. Ask questions of your agent. Find out

I appreciate you as a client and a
friend. I appreciate your business, your loyalty, trust and your referrals.
It is my goal to provide the very best counsel, advice and service possible
for your real estate needs. If I may ever be of assistance to you, a
relative, friend or co-worker please don’t hesitate to call me. I look
forward to the opportunity to serve you.™



knowledgeable he or she is about houses currently for sale in your price range

and also of houses that have recently sold. 
Can your agent recommend a good lender that has the reputation of
excellent customer service and low rates? 
Does your agent ask questions of you to have a full understanding of
what you are looking for to help you get the most home for the money?

you for requesting a copy of this free report on the benefits of owning your
own home. I hope it is helpful and
informative in your search for the perfect home.


prompt, courteous, professional service, call 
Gloria B:

Direct: 732.245.4031

Office: 732-842-3200x118


You can email me at:

[email protected]

To view thousands of area homes
for sale visit my website at:

questions, need advice you can count on or just want to discuss this further?

up the phone and call me now! I’m here
to help!


Brrrrrrrr! How to Protect Your Home from the Cold

Help Your Home Get Through the Winter: Find Out How

View in your web browser

Icicles are Dangerous. See Why They Signal Trouble

Shelter Your Home From Winter Dangers

Want to save money this year? Just avoid costly home repairs for things like burst or frozen pipes and power outages. That’s easy when you make sure your home is as protected as possible from winter’s wrath.

Find Out How

Send to a friend


To ensure that you continue to receive email from, please add [email protected] to your email address book.

To change your email address or view your contact preferences, please sign in and go to Your Profile.

To unsubscribe from future e-newsletters, tips, and more from HouseLogic, please click here.

For more information, please see our Privacy Policy.

Image Credit: HouseLogic

430 N. Michigan Avenue
Chicago, IL 60611


Markets Gobble Up Good Housing News, Rates, Freddy Mac ...



This is Chelsea from Yesing wine gifts, we provide wine accessories and wine gift sets, such as wine
openers, beer openers, wine decanters, foil cutter and etc. Send your logo to us and our artwork
experts will feature them on custom logo.

Promotional wine gifts suitable for business gifts, corporate gifts, organization gifts etc, it can be used
for winery, wine tasting even, wine festival and wine tour company. We guarantee fast design, fast make,
and fast delivery.

If you are looking for useful and timeless gifts to give away to your customer then Yesing Wine Gifts sets
are the ones you must opt for. Your recipients will adore these gifts and will proudly show them to their
friends and relatives. Choosing Yesing wine gifts, choosing what you want! 


Make The Most Of The Supermoon Tonight!

Subject: Make The Most Of The Supermoon Tonight!

I pay attention to the phases of the moon. Why? Because when you are aligned with natural cycles, things flow better.
Tonight is the first Supermoon of 2015, which means that the moon is closest to the Earth and in direct alignment with the Sun and the Earth at the time of the New Moon. That makes it super potent...
This particular New Moon is all about new beginnings - this is the cosmic fresh start for this new year. To make the most of it, let your instincts guide you in your decisions and actions. Liberate your mind and let your possibilities flourish...
Just like Earth revolves around the Sun, you are the center of your life - everything around you is about you. If you like what you see, great! If life is hard for you right now, look at it - then make the changes needed because you have cosmic back-up to get things moving the way you want.
Today is really a big pivot point. The past doesn't matter and neither does the future - because it depends on your decisions in the now. Be present to what's happening in your life so you can either change it or celebrate it!
Do what makes you feel powerful. Don't wait for other people. Get out of your own way. Leave your comfort zone. Make bold beginnings. Pay attention to your intuition - it will guide you. And if you get messages today from your intuition, they may hold clues about the rest of your year. (Almost like having your own magic 8-ball!) ;+)
To take your place in the world, you must take new chances and that can feel risky. But you have to MOVE to create something different.
As you move, there is an upward path and a downward path - either will cause you to grow. The ego will say there is only one right path - the soul knows that everything is exactly what you need in the moment to grow and that everything is your teacher. For me, I say follow what feels right and do what you must to make things happen... because your life is not a dress rehearsal - this is it!
You may feel a bit impulsive or spontaneous - that's ok because it's what you need to shake up your status quo. Just set your intention for what you really want - including for your business - then be ready to follow through on what shows up.
It's a powerhouse day... consciously use the energy to create what you really want in your life and business. Wahooo! (I woke up thinking I want to put together a 'Do Day' retreat where you can sit down and actually DO what your business needs in an energized environment surrounded by other entrepreneurs doing their thing... what do you think? Reply to this email and let me know... thanks!)
Anyway, I mostly wanted to share that this is your day to jump in with everything you've got to release what's been and ignite what you really want with clear intention. Happy New Beginnings!!!
To Catalyzing Your Success ~
Lynn Scheurell
Creative Catalyst
P.S.: One of my new beginnings will be revealed during tomorrow night's webinar - . It's been my dream to make this happen for entrepreneurs with wisdom and a message to share... I hope you'll be there, Gloria! Register here:
Making the most of human nature since 1998, Lynn M. Scheurell is an authority for conscious business. She works with entrepreneurs who desire to create intentional business success by connecting the dots between inner and outer beliefs and business expression. Changing the world starts by understanding motivations, inspirations and purpose first; in other words, changing the world starts within. Only then can real intensity be applied through strategic business models, systems and focused action to create conscious, and often dramatic, results.
Creative Catalyst

Email Please
Austin, TX 78736

GREAT NEWS! FHA monthly mortgage insurance has dropped .5% !

Great news from HUD.

Beginning on January 26, 2015, FHA Monthly Mortgage Insurance premium is being lowered by .5%.

This will result in lower Mortgage Insurance payments for the consumer, in turn, resulting in lower Monthly Mortgage Payments.

Here are two examples:


$300,000 Loan Amount
3.5% - 4.99% down payment
FHA mortgage insurance Factor: OLD- MI factor = 1.35%
                                                                           Monthly MI payment = $337.50
- MI factor = .85%
                                                                           Monthly MI payment = $212.50


$300,000 Loan Amount
min 5% down payment
FHA Mortgage insurance factor: OLD- MI factor = 1.30%
                                                                           Monthly MI Payment = $325
- MI factor = .80%
                                                                           Monthly MI payment = $200

As you can see, per this example, the borrower could now save $125/mo on FHA monthly mortgage insurance!

Should you have any questions or have any potential buyers that need assistance in being pre- approved, please do not hesitate to contact me.

Thank You!

Dominic DiGrazio
| Branch Manager
Residential Home Funding Corp.

60 Route 46 East, 2nd floor | Fairfield, NJ 07004
Main: (973) 575-1550 ext. 10 | Toll Free:
Cell: (973) 356-5333 |
Fax: (888) 760-1943
NMLS # 204838 |
Company NMLS # 34973
[email protected]

NJ- Licensed by the NJ Department of Banking and Insurance – License # 9964632
NY- Licensed by the New York State Banking Department- License # B500689
PA- Licensed by the Pennsylvania Department of Banking – License # 20875
FL- Licensed by the Florida Office of Financial Regulation #MLD388.

Market Watch



January 2015

2014 will be known as the year that the real estate market steadied its pace. Overall, the gains in prices and sales were modest when compared to other years, and while sales may have flattened in the fourth quarter, the year as a whole rewarded us with an easy climb to a healthier and more stable market.  Healthy and stable is sustainable for the long term and we’ll take it!

Real estate markets are local so to determine exactly how your community fared in 2014, look to the graph or ask me.  I can explain how pricing, inventory and recent sales in your area impacted your market.

Of course the one question everyone wants answered is what will happen to real estate in 2015. Some economists and industry watchers claim that job growth and the overall economy, both key factors that affect the housing industry, are poised for expansion in the coming year. Additionally, with recent price appreciation, and greater home equity, some are predicting that more home sellers will be entering the market.  We’ve also heard that economic job growth may be slow or stagnant. 

While opinions and forecasts vary, the reality is, real estate remains an investment that can bring long-term gain.  With proper planning, a home purchase has historically proven to be one of the strongest investments one can make. So despite any predictions about the market being up or down, flattening or rising, I know that there is great value in owning real estate and I remain positive that we will continue to see improvement in 2015.

If you want to own a home, or if you need more detailed information about selling a home in today’s market, please feel free to contact a sales professional affiliated with Coldwell Banker Residential Brokerage.  A sales professional can explain the home buying and selling process and can guide you through each step of the way.

We look forward to welcoming in the New Year and assisting you with all your real estate needs in 2015 and beyond.  Happy New Year!


News from Monmouth County

> Monmouth County Newsletter 
> January 16, 2015 
> In This Issue
> Simple steps can help limit flu exposure
> Rich and DiMaso lead Freeholders in 2015
> Freeholders approve open space grants
> County economic initiatives boom in 2014
> Elections posted in timely manner
> Incredible events heat up in January
> Board of Chosen Freeholders
> Freeholder Director
> Gary J. Rich, Sr.
> Freeholder Deputy Director
> Serena DiMaso
> Freeholders
> Lillian G. Burry
> John P. Curley
> Thomas A. Arnone
> Glimmer Glass Bridge update
> Glimmer Glass Bridge closes to marine traffic Monday, Jan. 19 until late February for repairs to the bridge's bascule span.
> Come to a Freeholder meeting
> The Board of Chosen Freeholders will hold the next Freeholder meetings on Thursday, Jan. 22 in Freehold.
> The workshop meeting meeting will be held at 12 p.m. at the Hall of Records, Freehold. The regular meeting will follow at 1 p.m. The 2015 meeting schedule will be posted on the County website.
> Simple steps can help limit flu exposure 
> Health officials are seeing increased influenza illness this winter. The County's Health Department is also seeing increased flu activity reporting and they are closely monitoring this year's flu activity at Monmouth County schools, hospitals and nursing homes.
> "Cover your cough, wash your hands and stay home if you are sick are best ways to avoid getting and spreading the flu and many other illnesses," said Freeholder John P. Curley, liaison to the Health Department. Learn how to protect yourself. 
> Rich and DiMaso lead Freeholders in 2015
> This year, Freeholders Gary J. Rich, Sr. and Serena DiMaso lead the Board of Chosen Freeholders as Freeholder Director and Deputy Director respectively.
> "I am honored and humbled to serve as the 2015 Freeholder Director and begin my second term as a County Freeholder," said Director Rich. Read more. 
> County office recoups $2M for consumers
> Once again, the Monmouth County Division of Consumer Affairs has advocated and fought to recoup $2,081.845 on behalf of consumers in 2014.
> "In tight financial times people are watching every dollar they spend and it's comforting to know there is a place to turn to for help," said Freeholder Lillian G. Burry. 
> County economic initiatives boom in 2014   
> Numerous initiatives from the creation of the Grow Monmouth Business Roundtables to the expansion of the Facade Improvement Program as well as the popular Made in Monmouth Expo made 2014 a standout year for County-led projects.
> "The Grow Monmouth program continues to expand and I look forward to working with our business and municipal partners in 2015," said Freeholder Thomas A. Arnone.
> Grow Team teaches kids how to garden
> Children ages 9 through 11 are invited to take part in Monmouth County's Grow Team Program that includes learning gardening basics through special hands-on activities on the way toward becoming a certified Junior Master Gardener. 
> The deadline to register for the program is Jan. 31. Get the details.
> Incredible events heat up in January
> It may be cold outside, but a variety of events are heating up this month. Enjoy art exhibits, memorable theater productions and more. Visit Monmouth County's Tourism website to get more information. 
> Tourism's year-round calendar of events is an excellent way to find events and programs. Follow Monmouth County Tourism on Facebook and Twitter to keep up-to-date with what's happening in Monmouth County.
> Forward email
> This email was sent to [email protected] by [email protected] |  
> Update Profile/Email Address | Rapid removal with SafeUnsubscribe™ | Privacy Policy.
> Monmouth County | 3000 Kozloski Road | Freehold | NJ | 07728