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Somerset and Central New Jersey Living

Dec. 26, 2013 - Keller William's $50,000 Closer to Home Sweepstakes

I WANT YOU TO WIN $50,000! KW' "Closer to Home Sweepstakes"

Download the APP & enter My Code: KW2HX30H0

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Nov. 22, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 23-24, 2013

According to GSMLS, at the time of posting, there are 13 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Nov. 22, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 23-24, 2013

According to GSMLS, at the time of posting, there are 13 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Nov. 21, 2013 - 2012 Homestead Benefits

This year's Homestead Benefit (formerly the Rebate Program) has been extended to December 31, 2013 to file. Read more:

Homestead Benefit Program

Homeowners: File Your 2012 Homestead Benefit Application

 

Current Year (2012) Homestead Benefit. The filing deadline for 2012 Homestead Benefit Applications has been extended to December 31, 2013. The original filing deadline was November 22, 2013. Applications were mailed to homeowners beginning in early October 2013 (View Expected Delivery Dates).

Tenants will not receive rebates for 2012.

Check the Status (Amount) of Your Homestead Benefit

For more information contact: nj.state.nj.us/treasury/taxation/listtservice.shtml or call: 1-877-658-2972

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Nov. 15, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 16-17, 2013

According to GSMLS, at the time of posting, there are 7 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Nov. 7, 2013 - Millennials: Our Time Is Now

Just as Miss Jenkins from the  television show In Living Color would say, "you didn't hear it from me"; Mr. DeCaser, a Millennial, has a strong message to share with his peers....

"There will likely be no other time in the lifespan of the Millennial generation that is filled with more opportunity than right now.

I understand that the preceding sentence may seem overly optimistic, but when we look at modern history, all generations flourished more in the decade following an economic downturn than any other.

This, coupled with exponential growth in technology, is currently paving the way for a wave of young entrepreneurs and successful business people unparalleled in our Millennial Timeline.

Generally, I write these blogs to help instill the importance of our generation to Real Estate Agents and Brokers, but today, my message is directly to you, the young Millennial Yourself.

If you have not already grasped the importance that the next five years are going to have on your life, do so today.

Get Pumped Up.

This isn’t high school anymore, and our teenage-angst should have been thrown by the wayside along with every other burdensome baggage we have carried along the way.

Prices are at their lowest, NOW

Economists around the country agree that housing prices have fallen to their true lows, corrected, and should now be back on track for the steady growth necessary to maintain a healthy market.

New housing inventory is minimal, and EVENTUALLY the government will be forced to curtail bond buying programs, and as monetary policy is contracted the price of borrowing will increase.

By far the greatest reason you have to buy a home NOW and not 2 years from now is that money is cheap… cheaper than it has ever been and cheaper than it will ever be.

Stop Renting!

Plus, when you are renting, you are throwing your money away in taxes, especially those single professionals who have no other write-offs.

I am a Millennial. I am 30. I bought my first home when I was 21 while I was enlisted in the Navy.  My mindset has changed over the last 10 years, but I can say this: Youthful optimism may be the best asset we have. At 21, fear of failing and needing to start over with kids’ college funds to worry about do not weigh as heavily as they will 10 years from now.

Your jobs are starting to come back. With every tepid job report comes the chance for new jobs to be found that pay in line with what you are worth.

Take advantage of this time and don’t look back in 25 years saying, “It really was the best opportunity of my life.”

This is your opportunity for freedom, your opportunity to own something that gives back, and doesn’t merely suck the value out of your debit card."

Source: KCM Blog written

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Nov. 2, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - October 3, 2013

According to GSMLS, at the time of posting, there are 19 Franklin Township homes scheduled for an Open House, this Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

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Nov. 2, 2013 - To All Who Celebrate

May this Diwali

Bring Joy, Peace, Health and Wealth to You, Friends and Family.
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Nov. 2, 2013 - Time to Change Clocks

Tonight at 2:00 AM "Fall" Back

Turn Clocks Back One Hour

Don't Forget to Change Batteries in Smoke / CO Dectors

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Oct. 31, 2013 - HAPPY HALLOWEEN

HAPPY HALLOWEEN

Pumpkin Face

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Oct. 29, 2013 - New KW Logo

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Oct. 4, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - October 5-6, 2013

According to GSMLS, at the time of posting, there are 21 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Sep. 27, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - September 28-29, 2013

According to GSMLS, at the time of posting, there are 19 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Sep. 23, 2013 - Happy Autumn

On This First Full Day of The Season

 

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Sep. 20, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - September 21-22, 2013

According to GSMLS, at the time of posting, there are 15 Franklin Township homes scheduled for an Open House, this Saturday and/or Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Properties on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest might not be being served. Click on this link to read why and contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Sep. 7, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - September 7-8, 2013

According to GSMLS, at the time of posting, there are 21 Franklin Township homes scheduled for an Open House, this Saturday and Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale Online 

Download My Free Mobile App To Search for Homes on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest may not be being served. Contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me on social media at: http://about.me/michael.adams
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Aug. 24, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - August 24-25, 2013

According to GSMLS, at the time of posting, there are 21 Franklin Township homes scheduled for an Open House, this Saturday and Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale

Download My Free Mobile App To Search for Homes on Your Mobile Device

This Week's Franklin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest may not be being served. Contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me at: http://about.me/michael.adams
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Aug. 12, 2013 - What does your credit score really mean?

Playing By The Numbers: Know and Understand Your Credit Score

 

You probably know that if your vision is  20/20, that’s good, and that a cholesterol level over 200 is bad; but do you know your credit score and what it means?

 

If not, you’re not alone.  A recent study conducted by the Consumer Federation of America (CFA) found that almost half of Americans never have obtained their credit score.  Only about a third of consumers understand that credit scores measure the risk of not repaying a loan.  Only ten percent of consumers knew what constituted a good or bad score. 

 

This lack of knowledge is troubling because a credit score can affect your life in important ways.  Lenders may use your score to decide if you’re a good risk for a mortgage, car loan or credit card.  Landlords and cell phone companies may use it to decide whether you’re a good bet as a tenant or customer.  If you get credit your score may determine the rate.

 

According to the Web site Myfico.com on a $150,000, 30 year, fixed rate mortgage, with a FICO score of 500-599, you could qualify for an interest rate of 9.29%, at a monthly principal and interest only payment of $1238.00.  A score above 700 and you’d pay 5.70%, $879.00 monthly.  That’s a savings of $359.00 per month – more than $4,000.00 per year.

 

Educating yourself about credit scores is an important step toward managing your financial future.  Here’s what you need to know:

 

A credit score is a snapshot of your credit risk at a particular time.  It measures how likely you are to repay a loan.  The most used credit scores are FICO scores, named for Fair Issac Company, which invented them.  Fico scores range from a low of about 300 to a high of 850.  Most people are between 620 to 780.  Credit scores are based on credit history; they do not consider income, age, sex, marital status, race or religion.

 

Your score is based on five categories of information:

 

                Payment History:  Indicates you’re more likely to do so in the future on credit accounts.

 

                Amount of Debt:  Having credit accounts and owing money on them is not necessarily bad, but owing a lot of money on many accounts may indicate a person is overextended and a poor risk.

 

                Credit History:  An established credit history will boost your score.  Establish a credit history by opening a credit account in your own name and using it responsibly.

 

                New Debt:  Shopping for the best products and terms is common but opening several new accounts in a short time may indicate greater risk, especially if you don’t have an established credit history.

 

                A Healthy Mix:  Most people who are financially established have a mix of credit accounts, from retail accounts to installment loans to mortgage loans.

 

Learning your score is the first step toward making it better.  Even if you’ve had trouble in the past, you can improve your credit score through a few simple steps:

 

                *Pay your bills regularly and on time.  If you missed payments, get current and stay there.

                *Keep balances comfortably below your credit limit.

                *Don’t open accounts you don’t need.

                *If you have trouble-making ends meet, contact your creditors or see a legitimate credit counselor.  Don’t                        wait until it’s too late.

                *Check your credit report from each credit-reporting agency annually, especially if you’re considering a large purchase such as a house or a car.  You can request a copy from the three major agencies:  www.equifax.com, www.experian.com, and www.transunion.com.

 

When you receive your report read it carefully.  If you find an error, report it to the appropriate agency and request that it be corrected.

 

FOR MORE INFORMATION CALL: John Reindel, TD Bank, Cell:(908)451-5636 

 

 

 

 

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Aug. 2, 2013 - This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - August 3-4, 2013

According to GSMLS, at the time of posting, there are 24 Franklin Township homes scheduled for an Open House, this Saturday and Sunday. Generally, open houses are held between 1PM and 4PM. Search this weekend's Franklin Township Open Houses.

 

 

Somerset County Open Houses

Middlesex County Open Houses

Search New Jersey Homes for Sale

This Week's 58 Frankin Township Rentals

Searching for central NJ homes for sale? Look no further. Get a jump on your comeptition and schedule a our, today! Regardless of the listing agent, office or MLS service; if you are not already contracted with an agent give me a call/text or send an e-mail and I will be happy to arrange a personal tour of any Somerset and Central New Jersey listed property or open house that you might find on the Internet, print media or yard sign and are qualified to purchase. Unless you are working with a Buyer's Agent while touring an open house, your best interest may not be being served. Contact me to schedule a personalized tour.

I Never Forget You Have a Choice

Connect with me at: http://about.me/michael.adams
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Jul. 31, 2013 - Road Closure in Franklin Township

Advisory: South Middlebush Road, in Franklin Township, will be closed tomorrow August 1, 2013 between Blackwells Mills Road and Bennetts Lane from 9AM to 1PM  due to utility work.  Allow extra time in the morning.

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08873 is the Postal Code for Franklin Township in Somerset County, NJ and we love living here. Hi, I'm Mike Adams and this is a Real Estate blog for and about Franklin Township, Somerset and Central New Jersey Living. I would love to help you with your central NJ real estate needs. Just contact me via phone, text, my websites or email. I invite your comments and please visit Somerset 08873 often. Get Somerset08873 Blog on your Mobile Phone - **winksite.mobi/SOMERSET0887/Homes** Michael Adams Keller Williams Cornerstone Realty 2230 Route 206, Belle Mead, New Jersey 08503 Business: 908.359.0893 Mobile/Text: 908.583.0409 Fax: 908.359.3929 mjadams629@gmail.com

Recent Posts

Keller William's $50,000 Closer to Home Sweepstakes
This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 23-24, 2013
This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 23-24, 2013
2012 Homestead Benefits
This Weekend's Franklin Township and Somerset & Middlesex County Open Houses - November 16-17, 2013


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