What is the importance of farmers' markets?

Farmer markets allow people to buy fresh produce directly from farmers. These markets help farmers turn profit while producing what they love to make, be it vegetables, honey, flowers, and sometimes even smoked meats. When farmers have to sell their produce or items, they have to sell them to large corporations or stores, but this prevents them from selling directly to their customers, and they have to conform to what the food trend is. They not only profit more by selling directly to their customers, they can also produce what they like, and get to see how happy their products make their customers. Farmer markets have fresh artisan goods at a lower cost to you, and more easily accessible to the public and…

1702 Views, 0 Comments

Read Full Post

What is Private Mortgage Insurance?

Private Mortgage Insurance, or PMI, is an insurance policy that pays out to a lender in case a homeowner defaults on a mortgage.

The homeowner pays a monthly or one-time premium on their mortgage payments, but the lender is the one getting the protection.

PMI is usually requested for and arranged by the lender, and is offered by private insurance companies. Lenders usually request PMI if the homeowner wishes to put less than a 20% downpayment on the house, and usually require the policy to be in place until there is at least a 20% Loan-To-Value, or LTV ratio on the house. The LTV ratio is calculated simply by taking the value of a loan on a house and dividing it by the value of the house. For example, if a…

1304 Views, 0 Comments

Read Full Post

What is RESPA?

RESPA, or the Federal Real Estate Settlement Procedures Act, is a federal act passed by congress in 1974. After being controlled under U.S. Department of Housing and Urban Development (HUD), responsibility for the act was assumed by the Consumer Financial Protection Bureau (CFPB) in 2011.


The act regulates the real estate settlement process by requiring lenders, mortgage brokers or servicers of home loans to provide disclosures to borrowers that will inform them about real estate transactions, settlement services, relevant consumer protection laws and any other important and relevant information connected to the cost of the real estate settlement process. Any business relationships between closing service providers and other parties…

2287 Views, 0 Comments

Read Full Post

RECYCLING TODAY

In today's day and age Recycling has become central to everyday waste disposal. We have recycling bins in every home, restaurant, store or other facility all across the country. Although the idea of the three R's (Reduce, Reuse, and Recycle) has become prevalent in today's society, some individuals are still unfamiliar with the whole concept and what to and what not to recycle. Recycling Laws are different to various types of facilities across the city ranging from Residents, Apartment Duplexes, Schools and Businesses.

RECYCLING BASICS

WHAT TO RECYCLE

  • Metal

    • metal cans (soup, pet food, empty aerosol cans, empty paint cans, etc.)
    • aluminum foil and foil products (wrap and trays)
    • metal caps and lids
    • household…

2020 Views, 0 Comments

Read Full Post

The Young Men's Christian Association (YMCA), more famously known as the Y is a worldwide organization that began in Geneva, Switzerland. Many may think it is just a place to get their daily work out but it is so much more than that. Founded 174 years ago by George Williams, the Y's mission was to uphold Christian principles by developing a healthy "body, mind, and spirit". However, in modern times, it is more focused on building a strong sense of community and family. To strive for that goal, they have tons of programs that they offer at the center. 

Programs tend to vary in different locations but always intend to better the community, but they will always have something for everyone from the youngest to the oldest. In our New York City there are…

1415 Views, 0 Comments

Read Full Post

It's raining, it's pouring, and you're imploring the world to finally let it stop raining. The rain has ruined your plans to go out and enjoy your day but you can still have fun indoors. No matter the weather, there are countless things to do at home. Here are some things you could do in the comfort of your home when it is looking gloomy outside:

1. BINGE YOUR SHOWS!

This is the perfect chance for you to catch up on the latest seasons of your shows or even find a new obsession to watch all day long. It isn't every day where you can be a couch potato and dedicate hours to a show so seize the chance. Maybe even have a movie marathon.

2. Pamper Yourself.

Have a spa day but without the hefty price of actually going to the spa. Draw a steamy bubble…

3372 Views, 0 Comments

Read Full Post

The government can take your home or any property of yours at a whim. This is not the same as the IRS taking your home because you owe them money; the government has the power to take private property for public use by a state, municipality, or private person or corporation authorized to exercise functions for public character, following the payment of just compensation to the owner of that property.  

This government right is called Eminent Domain. 

How Does It Work? 

You own or live in a house and there is going to be a new highway built or a further expansion of an already existing one to relieve the congestive traffic. In order to do this, the state needs to find room to expand the highway, and your home happens to be in the best location for…

1523 Views, 0 Comments

Read Full Post

Cimex lectularius, also known as the common bedbug, feeds purely on human blood and can be found worldwide. These insects are a major hassle to get rid of, and dangerous to boot.

Found mainly in urban environments, the common bedbug has wreaked havoc among society for millennia. The vampire like bugs are small in size, oval shaped, and a dark brown color, however; they swell up after feeding. They don't fly, but do have small wings and also have beak-like mouths which they pierce the skin with to suck the blood. A healthy female can produce up to 500 eggs during her short life span and produce around two to five eggs per day, making their extermination rather difficult.

These pests are built to be able to hide easily, especially during the during…

1471 Views, 0 Comments

Read Full Post

This home in Annadale is a beautiful 2,362 square foot two family home which is also semi-attached. On a residential block close to NYC transportation, the house offers four spacious bedrooms, two full bathrooms, a 3/4 bathroom, two living rooms, two kitchens, a dining room, unfinished basement, central air conditioning, and a jacuzzi tub. The beautiful skylights let in wonderful rays of sunshine. Enjoy a gorgeous deck with large backyard. The full bedroom on the first floor is the rental which also includes separate utilities. 

If interested, please contact: 

Joseph Masella 

An NYS Licened Real Estate Agent 

718-887-5971

1512 Views, 0 Comments

Read Full Post

Move right into this 1,158 square feet 2 bedroom multilevel townhouse. There is all new flooring through-out with brand new stainless appliances & Quartzite counter tops in the kitchen as well as all new bathrooms. There is also wood burning fireplace in living room with sliders to deck and above ground pool and new roof. All this plus a family room and garage. Wonderful location near shopping, transportation and schools. Come see this newly updated and upgraded single family home in Graniteville that is move in ready!

If interested, please contacts: 

Sheri or Abraham Aruch

NYS Licensed Real Estate Salespersons 

718-614-6063 & 917-509-5512

1318 Views, 0 Comments

Read Full Post