Living in Caldwell, NJ from the NY Times

Today’s NY Times Real Estate Section “ Living In” column features Caldwell, NJ.  An “appealing alternative to pricier areas nearby”, Caldwell has much to offer including  great IMG_1270schools, many recreation activities, low crime, diverse restaurant  offerings, a reasonable commute  and the ability to walk to it all.

Located less than 20 miles from midtown Manhattan, Caldwell, and the entire West Essex Area, is very easy to access from New York City and area airports.

Do you have any questions about Caldwell or any of the communities that make up  the West Essex area?  Fill in the form below  and I will be happy to answer your questions!   You can also email me @ kim.fiore@century21.com .

 

 

Upgrade Your Kitchen to Cook Like a Professional Chef

kitchen(StatePoint) Of course, cooking like a chef at home requires talent and practice. But there’s no doubt about it — having the right culinary tools, appliances and prep space is essential, too.

To upgrade your kitchen so that you can cook like a chef, consider the following:

Prep Like a Pro

Save time and energy and get a cleaner cut by maintaining your knives. Properly clean, dry and store knives directly after use and regularly sharpen them. Whether that’s on a magnetic strip on the wall or an in-drawer organizer, the best options will allow you to see all your knives at once so you can reach for the correct one. Precision slicing? You may also wish to invest in a mandoline.

Bake a lot? Consider ditching the measuring cups by using a digital scale instead. You’ll get faster, more accurate results. And the bonus of less to clean-up.

Cook Like a Pro

When it comes to ensuring that there are no limits to what you can do in the kitchen, it’s all about having top-notch appliances. Check out the Pro Series Collection of free-standing ranges from ILVE. Known for their handcrafted Italian appliances, the new series offers chef-quality features such as a removable griddle, high BTU brass burners and a built-in warm drawer to keep cooked food at an ideal temperature for serving. Available in a 36-inch single or unique double oven configuration as well as 40-inch and 48-inch sizes with double ovens, the electric ovens feature multi-function cooking options and included rotisserie accessory. The Pro Series is equipped with features that professional chefs dream of at a price point that the home culinarian can afford. Offered in stainless steel and matte graphite colors, you can get a professional-style cooking experience while maintaining the sleek design of your kitchen.

Move Like a Pro

Do an audit of your current cooking habits, bearing in mind the layout of your kitchen and the organization of go-to ingredients. Are you expending time and energy walking all the way around the kitchen island just to get to the fridge? Are you spending too much time poking around for a particular spice or oil? The optimal flow in your kitchen space will allow for more intuitive food preparation and help you stay light on your feet.

Want to cook like a professional? Update your kitchen accordingly. A few upgrades can help you become a better chef.

3 Unexpected Upgrades to Add Beauty and Comfort to Your Home

home updates(StatePoint) While a simple home upgrade once meant a new area rug or fresh coat of paint, these days, there are new and unexpected ways to update your space in order to add beauty and comfort to your home.

• Think Smart: New technology can add unexpected convenience and luxury to your everyday life. Virtual assistants like Amazon Alexa, Google Assistant and Apple HomeKit, can help make your space cozy, comfortable and secure, giving you the ability to control light bulbs, door locks, blinds, music and more with voice commands. Companion apps also allow you to control home elements through your phone from anywhere.

Particular about your shower? Create the perfect experience every day by programming temperature and water flow settings to your liking.

Enjoying family movie night and don’t want to get off the couch? With a WiFi-enabled SIMPLEconnect smart fan from Hunter Fan Company, for example, you can turn the light and breeze on and off with simple voice commands.

• Living gallery wall: Add vitality and beauty to your space with a living gallery wall, whereby plant life becomes a work of art. Known as a vertical garden, there are many ways to go about it, whether it’s affixing planters in a pattern to your wall or hanging a flat panel of succulents and moss and bordering it with a picture frame. This will create a lively visual and a healthy one at that — adding oxygen to the rooms of your home, or even nutrition, should you choose to plant herbs.

• Add a breeze: Whether you live in an old house where central air is non-existent or you just want to add some ventilation to your space with a low-key upgrade, there’s no need to call in an HVAC team. Adding a ceiling fan to the landing of your staircase, for example, can help pull and circulate cool air into the upstairs space. Or, consider transforming the traditionally neglected laundry room into a space that’s comfortable for getting chores done. The addition of a ceiling fan can create a breeze and alleviate the heat created by the dryer. Low-profile versions like the Cranbrook from Hunter Fan Company, are a good fit for the small square footage of a laundry room.

For more design or upgrade tips, follow Hunter Fan Company on instagram at @Hunterfanco or visit itsaHunter.com.

Thinking outside the box when updating your space can go a long way toward adding beauty and comfort to your home.

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PHOTO SOURCE: (c) Diana Elizabeth Blog for Hunter Fan Company

Interest Rates are Rising: Should You Buy a Home or Wait?

(StatePoint) With heightened talk of rising interest rates, many prospective home buyers are understandably concerned about whether it’s the right time to purchase a home.

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Indeed, you may be wondering if you waited too long and let the historically low interest rates pass you by or if you can still find a dream home that fits within your current budget.

Experts say that it’s true that rates are at their highest in almost four years and that this year has been particularly rough, however, it’s not all bad news. Rates are still well below the levels seen 10, 20 and 30 years ago.

“Rates are still low by historical standards, helping make mortgage payments affordable for many, but your wallet might take a hit if rates continue to go up,” says Freddie Mac deputy chief economist, Len Kiefer.

How big will the hit be? Assume you buy a home with a 20 percent down payment, take out a $200,000 mortgage and are getting a 30-year fixed-rate mortgage. At a 4.5 percent interest rate, your monthly payment would be $811 with total interest paid over the life of the loan being $131,851. With a 7.5 percent interest rate, your monthly payment would be $1,119 with a total interest paid of $242,748. With an 18 percent interest rate, your monthly payment skyrockets to $2,411 with a total interest paid of $708,081.

If rates jump a half percentage, you’ll pay a bit more each month, which isn’t ideal, but the added expense will unlikely be a deal-breaker. However, if rates jump to the levels they were in 1981 (an average of 18 percent), you can expect to pay a whopping $1,600 more per month, which may cause you to think twice about taking the plunge into home ownership.

To find out how much you’ll pay, check out Freddie Mac’s free Fixed-Rate Mortgage Calculator at calculators.freddiemac.com. For other free tools and resources, visit myhome.freddiemac.com.

Don’t let current rising interest rates prevent you from buying a home this year. Experts suggest that while rates have risen recently, historically speaking, it is still an overall great time to buy.

Are Common Myths Holding You Back from Buying a Home?

(StatePoint) Aspirations of home ownership is strong for America’s families, yet findings from the fifth annual America at Home survey from NeighborWorks America indicate several perceived barriers to home ownership among the majority of consumers.pexels-photo-106399.jpeg

Findings from the survey, which consisted of 1,000 U.S. adults and 500 millennials include many misconceptions about what it takes to buy a home:

  • The average millennial mistakenly thinks the minimum required down payment is 21.6 percent.
  • Approximately 73 percent of all consumers and 62 percent of millennials said they were not aware of or are unsure about down payment assistance programs in their communities for middle-income home buyers.
  • Seventy percent of adults feel they don’t have enough money saved for a down payment.

Experts believe that confusion about down payment requirements and lack of awareness about assistance programs are holding back many people from pursuing homeownership. “Before deciding if owning a home is right for you, take time to understand your down payment options, and separate myths from facts,” says Freddie Mac Vice President, Danny Gardner.

For example, the average down payment among first-time home buyers in 2016 was just 6 percent and, for repeat buyers, just 14 percent. What’s more, mortgage options, such as Freddie Mac’s Home Possible Mortgages, make it possible for qualified borrowers to put down as little as 3 percent.

If your down payment is less than 20 percent with a conventional loan, you’ll have to pay private mortgage insurance, an added insurance policy that protects the lender if you are unable to pay your mortgage. However, mortgage rates — despite their rise in recent years — remain at historic lows, providing you with a significant advantage.

There are also millions of dollars available for down payment assistance. A great place to start is right where you live. Many state, county, and city governments provide financial assistance for people in their communities who are well qualified and ready for home ownership.

To help demystify down payments and the home buying process, free tools and resources are available at myhome.freddiemac.com.

Don’t let misconceptions hold you back from pursuing home ownership. Check out the facts to learn how much home you can afford.

Is it time for you to make your move?  Email me at kim.fiore@century21.com  to get started.

Mass Transit Options in West Essex

Located less than 20 miles from midtown Manhattan, the West Essex Area is very easy to access from New York City and area airports.  Route 80 and Route 280 are major highways that run through Fairfield and Roseland respectively to enable an easy commute to points north , south, east and west.

Public Transportation

DeCamp Bus Line offers service 365 days a year to New York City from West Caldwell and Caldwell on the #33 bus line.   The trip is approximately 45 minutes during rush hour from Caldwell.

http://www.decamp.com/commuter.htm

Nj Transit runs 2 routes to Penn Station from Fairfield, West Caldwell, Caldwell, Essex Fells,  Roseland and Verona.

http://www.njtransit.com/pdf/bus/T0071.pdf

http://www.njtransit.com/pdf/bus/T0029.pdf

The 871 operates between Morristown and Willowbrook Mall with stops in Fairfield

http://www.njtransit.com/pdf/bus/T1871.pdf

Lakeland Bus Line offers service 365 days  between Fairfield and NYC Port authority bus terminal.

http://www.lakelandbus.com/bus-schedule

Although commuter trains do not run through these towns they are just a few minutes away in Little Falls and Montclair  through  NJ Transit.  The  Montclair- Boonton Line runs 7 days a week to Penn Station in New York with connections through the Hoboken Path station to the World Trade Center.

http://www.njtransit.com/pdf/rail/R0030.pdf

Do you have any questions about commuting to the West Essex area?  Do you  want to know more about the communities of West Essex?  Fill in the form below  and I will get right back to you.   You can also email me @ kim.fiore@century21.com .