Newsletter
Volume 2 Number 3
Bayville NJ Real Estate Broker Nancy Gray
333 Route 9 (Foodtown Plaza)  ]  Bayville, New Jersey 08721  ]  http://CENTURY21AtTheShore.com
Our Vision:
To become the benchmark by which all others are judged.
   
"REALTORS® Endorse Obama's

                     Housing Stability Recovery Plan"

Source: Realtor.org , Mary Trupo
WASHINGTON, February 25, 2009

The National Association of Realtors® expressed support of President Obama's broadened focus of the nation's economic recovery that stresses housing stability, in addition to "restarting lending" and preventing foreclosures.


"We fully agree with President Obama's emphasis that housing is the backbone of our national economy," said NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth. "As he said, when a family buys a home, workers are hired to build it. Those workers spend money and open businesses. As a result, investors return. In short, housing is the key to revitalizing America and we pledge to work with him to help jumpstart our economy."


Initial steps taken by the Obama administration and the 111th Congress to begin stabilizing the housing market meet many of NAR's policy recommendations. NAR called for lowering interest rates, reducing preventable foreclosures and reinstating the higher loan limits for FHA, Fannie Mae and Freddie Mac. In addition, NAR was the leading advocate for increasing and improving the home buyer tax credit.


Read The Entire Article HERE
April is OPEN HOUSE Month

The CENTURY 21 Path to Your Dreams Sweepstakes will begin April 1st and run until May 16th. One Lucky Consumer will win the Grand Prize of $221,000 towards a down payment on their dream home. There will also be Eight Regional Prizes of $5,000 each awarded to consumers nationally. In addition to these prizes, consumers will also have a chance to win a $10 Amazon Gift card instantly.
Community Events Click HERE



Enter to win at CENTURY21.COM/SWEEPSTAKES or call 800.C21.GOLD

Down Payment Options
Source: Informa Research Services.

The more you pay up front, the easier it is to get favorable terms on your loan.



One of the components a lender uses to help determine what loan amount to approve is your down payment. A down payment not only serves as a commitment on a borrower's behalf to make good on a loan, but acts as a lender's guarantee to minimize risk in case a borrower defaults on a loan. The more of your own cash that you can put down for a loan, the easier it is to qualify for a higher loan amount or a lower mortgage payment.



Alternative sources of funding
Since most borrowers do not have large cash reserves on-hand for a down payment, there are other alternative sources for funding. Besides tapping into your own savings accounts, other resources may include friends, relatives, 401(k) plans, proceeds from stock sales, even a co-signer.


Read The Entire Article HERE

Mortgage
Current Rates

Today
03/21/2009
40 Yr Fix 7.000%
30 Yr Fix 4.625%
20 Yr Fix 5.000%
15 Yr Fix 4.625%
5/1 ARM 4.375%
30 Yr Fix
Jumbo
6.500%
5-Yr ARM
Jumbo
5.375%
30 Yr Fix
FHA
5.000%

Closings

Last 3 Months
AreaDecJanFeb
Ocean Co. 144183152
Toms River 343628
Berkeley 111106
Lacey 132017


Nancy T. Gray
Broker/Owner
Community Action: Oppose Elimination of Property Tax Deduction
Attention New Jersey Resident,

Within the last year, members of the public sector, as well as members of NJAR® signed a petition from the New Jersey Association of REALTORS® opposing increases in the realty transfer tax. Thankfully, state decision makers have refrained from raising transfer taxes. Unfortunately, there is another issue of great concern to New Jersey homeowners.

Governor Jon Corzine recently announced plans to eliminate the ability for all non-senior households, regardless of income, to deduct property taxes from their state tax filings. The elimination of the deduction is expected to raise $420 million in revenue, which will be used to fund a greatly scaled back property tax rebate program that only reaches a select few.

As the leading advocate for homeowners and the real estate industry in the state, the New Jersey Association of REALTORS® (NJAR®) is adamantly opposed to this proposal. As a concerned citizen, we ask that you join us in fighting this harmful plan. As you may know, efforts to do away with this important deduction amounts to a hidden tax. The elimination of the deduction may end up costing a family $200 to $500.
Read The Entire Article HERE

CENTURY 21 At The Shore Mission
I dedicate myself to providing a professional environment where Realtor Associates and consumers alike are excited to become a part of. To be valuable to the people who are valuable to me.
To demonstrate my interest in them; and to show that I enjoy serving them by going above and beyond their expectations.
CENTURY 21 At The Shore Realty Serving All Of Bayville NJ NANCY T. GRAY ] CENTURY 21 At The Shore Realty ] 333 Route 9, Bayville, NJ 08721
phone 732-606-9002 ]  fax 732-606-0602 ]  Info@CENTURY21AtTheShore.com
CENTURY 21 At The Shore Realty Serving All Of Bayville NJ CENTURY 21 Real Estate LLC. © 2009 CENTURY 21 Real Estate LLC. CENTURY 21® is a registered trademark licensed to CENTURY 21 Real Estate LLC.
Equal Housing Opportunity. Each Office is Independently Owned and Operated.


Planting A Vegetable Garden
Peter J. Nitzsche, Morris County Agricultural Agent & amp;
Stephen Reiners, Ph.D., Former Extension Specialist in Vegetable Crops


Recipe Of The Month
RED VELVET CUPCAKES WITH CREAM CHEESE FROSTING

Ingredients
2 ½ cups all purpose flour
1 ½ ups sugar
1 teaspoon baking soda
1 teaspoon salt
1 teaspoon cocoa powder
1 ½ cups vegetable oil
1 cup buttermilk, room temperature
2 large eggs, room temperature
2 tablespoons red food coloring
1 teaspoon white distilled vinegar
1 teaspoon vanilla extract


For the cream cheese frosting

1 pound cream cheese, softened
2 sticks butter, softened
1 teaspoon vanilla extract
4 cups sifted confectioners' sugar

More about this recipe HERE

In today's tough economic times, the spring brings an opportunity to utilize your backyard to benefit your bottom line. It's a great activity to get your family involved, enjoy the season, and ultimately reap the benefits of all your hard work. Here are some helpful tips as you plan your vegetable garden.

The most important factor in planning a vegetable garden is location. Choose a site with good drainage and no standing water, even after the heaviest rain. Keep the garden away from trees and shrubs, which may compete with vegetables for water, nutrients, and light. Leafy vegetables, such as lettuce and spinach, require the least direct sunlight, only 4 to 5 hours. Root vegetables require 5 to 6 hours, and fruiting vegetables, such as tomatoes, cucumbers, and zucchini, require at least 8 hours. Remember, NO vegetable can grow in total shade.

Once you've decided where the garden will go, it's time to choose which vegetables to grow. First, make a list of those vegetables you like. Next, put a plan down on paper. This will help you make the best use of space and will save time when planting by showing you exactly where to place your seeds and transplants. The plan should include the following information: garden size, space between rows and within rows, crops and varieties, planting dates, seeded crops, and transplanted crops. You may want to make two plans. One for the spring planting and one for a second planting for summer and autumn harvest.

Use the table included in this factsheet to help you plan. If possible, rotate your crops so similar vegetables are not planted in the same location consecutively. Remember to place your tallest growing crops on the north side of the garden so as not to shade lower growing plants. Also allow for good air movement through the garden. This ensures that moisture on plant leaves dries quickly and may lessen disease problems.
Read The Entire Article HERE

Dates given are normal averages for a light freeze (32 degrees F); local weather and topography may cause considerable variations. The possibility of frost occurring after the spring dates and before the fall dates is 50 percent. The classification of freeze temperatures is usually based on their effect on plants, with the following commonly accepted categories: Light freeze: 29 degrees F to 32 degrees F -- tender plants killed, with little destructive effect on other vegetation. Moderate freeze: 25 degrees F to 28 degrees F -- widely destructive effect on most vegetation, with heavy damage to fruit blossoms and tender and semihardy plants. Severe freeze: 24 degrees F and colder -- damage to most plants.
Toms River, NJ     With 90% probability:
April 12- 28°          April 14-32°          April 25-36°

-The Old Farmer’s Almanac Average Last Frost Dates for Toms River, NJ

Four No-Brainer Techniques for High Yield

Trellising. Any time that you can grow a vegetable on a trellis, it increases your yield per square foot. Plants that trellis well include cucumber, cantaloupe, tomato, and sweet peas.

Wide rows. Growing small, leafy plants such as leaf lettuce, spinach, and arugula 3 or 4 rows abreast (without walking aisles in between), gives you more food per square foot.

Raised Beds. Raised beds organize the garden, letting you concentrate on the most productive items. Because a raised bed allows you to use near-perfect soil, your plants will be their most productive, too. Raised beds can be easy to build, nicely incorporated into the landscape, and certainly lots of fun to harvest and show to your friends.

Start with transplants. Transplants buy you lots of time. Plants are six weeks or older when you put them into the ground, so you will begin harvesting much sooner than if starting from seed. Bonnie transplants in biodegradable, environmentally friendly peat pots make planting easy and spare the use of much plastic.

All contents of the Bonnie Plants Web Site are: Copyright 2009 Bonnie Plants and/or its suppliers. All rights reserved.


  National Garden Month®
By National Gardening Association
When you garden, you GROW!

Every April communities, organizations, and individuals nationwide celebrate gardening during National Garden Month. Gardeners know, and research confirms, that nurturing plants is good for us: attitudes toward health and nutrition improve, kids perform better at school, and community spirit grows. Join the celebration and help to make America a greener, healthier, more livable place!


Tips For Selling Things You No Longer Need
By: Dawn Kologi.

As you prepare in moving to a new home, you are provided with an excellent opportunity to sort through some of the excess items you've collected since the last time you moved. By clearing out some items, you can not only raise some quick cash, but also lighten your load in terms of what you'll need to pack and move.

    Online Auctions
  • A great way to earn extra money to cover your moving costs is by selling your unwanted goods online.
  • When you use online auctions (example: eBay.com or CraigsList.com), you are given the opportunity to showcase your items for sale to the world, not just your own neighborhood.
  • Before you can buy or sell any goods, you will need to register with online auction sites
  • Read The Entire Article HERE


    Featured House of The Month

    Listing Agent: Diana Haskell
     
    Agent Of The Month: Karen Vilardi

    Today I am still living and loving Ocean County and its surrounding areas. I am honored to be a resident here. I love my family, my job, the people that I work with and the people I work with.
    I live one day at a time, continuing to move forward. Let me walk forward with you through all your Real Estate transactions. BUYING, SELLING, TURNING a house into a home. Do it with TRUST and a FRIEND.