Lisa's Blog

Long Meadow at The Hills, Bedminster, NJ Townhomes Market Report

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Tue, 27 May 2008 20:15:43 -0500

Long Meadow - The Hills - Bedminster, NJ Marketing Report May 26th, 2008

The following 10 listings are available for sale in the Long Meadow neighborhood.

	Address	List Price	Style	BR	Baths	Bsmt
	251 Long Meadow Road	$329,999	Ranch style home	2	1	UWO
	242 Long Meadow Road	$349,999	Ranch style home	3	2	N
	204 Reed Lane	$358,000	2 story home	2	2	N
	219 Long Meadow Road	$359,999	2 story home	3	2.1	N
	426 Cardinal Lane	$367,000	2 story home	3	2.1	N
	259 Long Meadow Road	$379,999	2 story home	3	3.1	FWO
	283 Thistle Lane	$399,900	2 story home	3	2.1	FWO
	344 Wren Lane	$399,999	Ranch style home	2	2	F
	312 Enclave Lane	$472,000	2 story home	2	2.1	FWO
	310 Enclave Lane	$529,900	2 story home	3	2.1	FWO


Information deemed reliable but not guaranteed. Reference: Garden State Multiple Listing Service, LLC.

Click on http://www.LisaFriedman.com/Bedminster to read about Long Meadow and other Bedminster, NJ neighborhoods. Put my 19.5 years of local real estate experience to work for you. Contact me at RE/MAX Pinnacle Realtors in Bedminster, NJ at (908) 658-5995 or via my web site at http://www.LisaFriedman.com. I am happy to help you with your real estate needs in Somerset, Hunterdon, Morris, Middlesex and Mercer Counties. Basement key: F - Finished, U - Unfinished, FWO - Finished Walk Out, UWO - Unfinished Walk Out, N - None For information on a fabulous healing & energizing health tonic that Lisa is also marketing, visit http://www.ViaForHealth.com © 2008, All Rights Reserved. Lisa Friedman, Broker Associate, RE/MAX Pinnacle Realtors, Bedminster, NJ.

Union Gap Village, Union Twp., NJ (Hunterdon County Condos & Townhomes)

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Mon, 17 Mar 2008 22:33:36 -0500

Union Gap Village	Union Twp, NJ

$190,000 - $280,000	Hunterdon County


Union Gap Village - this beautifully landscaped Union Twp, NJ community offers one, two and three level homes with garages. Union Twp. is next to Clinton which has an amazing downtown shopping district. Many of the 438 units have dens, fireplace and walk-in closets. A scenic pond graces the heavily wooded neighborhood and a township park is located just outside the development. Recreational amenities include pool, tennis and clubhouse. This development is located just one minute from Route 78. Homes are priced from $190,000 - $280,000. For more information visit http://www.lisafriedman.com/ For information on a fabulous health tonic that Lisa is also marketing, visit http://www.viaforhealth.com

Contact Lisa

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Fax:

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Fox Hill Condos & Townhomes, Holland Twp., NJ (Hunterdon COunty Townhomes)

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Mon, 17 Mar 2008 22:24:28 -0500

Fox Hill	Holland Twp, NJ

$220,000 - $300,000	Hunterdon County


Resting in a quiet, rural setting is this affordable enclave of spacious condominiums and townhomes. Homes range in size from single level one bedroom units to two story two bedroom plus loft townhomes with garage. Many units have volume ceilings and fireplaces. This well maintained neighborhood has every modern convenience such as gas heat, central air conditioning, public water and sewer and easy highway access to Route 78. There is a jogging / bicycle path for your recreational pursuits. Homes are priced from $220,000 - $300,000 with ultra low taxes and low association fees. For more information visit http://www.lisafriedman.com/ For information on a fabulous health tonic that Lisa is also marketing, visit http://www.viaforhealth.com

Contact Lisa

Office:

(908) 658-5995

Fax:

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Lane's Top Ten Underdogs for 2009

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sat, 10 Jan 2009 22:58:46 -0600

This awesome post is brought to you via my friend Lane Bailey. Lane writes the most informative posts and we often share the same point of view. I have always rooted for the underdog so I guess I should just keep my pom poms out this year because this is a very extensive list!

Via Lane Bailey - REALTOR & Car Guy (Diamond Dwellings Realty):

I love a good "Top Ten" post... and I love underdogs. So, what could be better than a Top Ten post about the Underdogs for the new year. Wow, that even tosses in the "New Yew's Prediction Post".

So, without further delay, here are my

Top Ten Underdogs for 2009

10. General Motors. They used to be the biggest corporation in the world... and now they are burning through BILLIONS of dollars a month with NO hope in sight for actually turning a profit again. The have massive labor cost issues, an uphill battle with the economy, a dealer network that is about 5 times too large, and WAY too expensive. They need a cheerleader...

9. Chrysler. Ok, they aren't in as bad a shape as GM in the US... but they have almost no presence outside of the US. They are owned by a company that might really want to NOT own them... And they have the same challenges as GM... but fewer dealers. The Challenger is seriously cool. The plug-in Hybrid minivan won't be ready until probably 2010. They need a cheerleader...

8. Detroit. Well, is it any shocker that the home of the American auto industry is in AT LEAST as much trouble as the hometown companies? Of course it doesn't help when the Mayor gets his parole pulled... It is a sad state of affairs when a house is over-priced by $20,000 when it is free. Maybe Detroit would benefit from a reality TV show...

7. The Mainstream Media. How could they be an underdog when they control the story? Well... they DON'T control the story, and whether we are talking about TV or newspapers, they are becoming less relevent as news organizations. Look at the just completed Presidential Race. How can anyone take their objectivity seriously when the vast majority of them were pulling for the same guy, and had to be dragged kicking and screaming to say anything negative about him. They need some objective counsel...

6. The Rich. It is going to suck to be rich over the next few years. Ok, it might not completely suck... but it may be less fun. Taxes are going up, public acceptance will be going down. Despite the fact that "the rich" are the ones that fuel jobs, Washington is looking to do a beatdown. They need a voice in DC... more of a voice than they get for their money now...

5. Global Warming zealots. Sure, you have Al Gore and Hollywood. But, looking forward, there are bleak times coming. Temps aren't doing what you said... The hottest decade on record was the 1930s. People keep finding mistakes in NASA's data... always showing that reality is actually cooler than NASA says. When 2008 comes down as cooler than 2007... which was cooler than 2006, the pressure might kick up to show more than another computer model. Global Warming might get handed a "chill pill."

4. Republicans. Come on... admit it... The GOP is hurting right now. They lost complete control in DC... and I'm not talking about the election results. They got their butts wiped there, too. There are people that are saying out loud that there is NO way the Republican Party can come back from this. Maybe... Maybe not... But they are certainly an underdog. On the flip side, the last two office that were elected BOTH went to Republicans... there are a few voices in the punditry that think there might be some voter remorse after election day. But the GOP is still a giant underdog. And they need talk radio to cheer for them...

3. Real Estate. Could there be more of an underdog than the real estate market? Why yes.. two actually. But seriously, the vast majority of the country has had value deterioration over the last couple of years. Agents are the favorite kicking post of the media and analysts... not to mention the bubble bloggers. Our "representative" organization... the NAR... is a laughing stock and has about as much credibility as Milli Vanilli. Real estate is truly as much of an underdog as there is... almost.

2. The Stock Market. Ok, real estate went down... but the stock market TANKED. And it isn't even doing much of a dead cat bounce. Some people think it could go down MORE. There simply isn't any confidence in the stock market... and no confidence means no money. No money means prices pooping. The stock market is also a leading indicator of the economy. Usually the stock market is leading the economy by 6-9 months. Right now, that doesn't bode well... Can I get a booyah?

1. Big Corporations. It's hard to cheer for the big guys. I mean REALLY hard. They take OUR money (bailout) and don't want to even say how they are spending it. (sidenote: Imagine walking into a bank and telling them you want a metric buttload of cash, and what you are going to do with it is NOE of their business..). And as if the trillion friggin' dollars wasn't enough... there are some people in DC that think they need a couple more trillion friggin' dollars. To top it off, the actions of many of these same companies have created an air of corporate mistrust... they were so bad that they can't even trust themselves anymore. Talk about an underdog... These are the guys that are seriously hard to love.

Things to remember that changed for 2009

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sat, 10 Jan 2009 22:45:44 -0600

A second re-blog today from my much esteemed mortgage rep friend Rob Rauf - He has been writing some great stuff lately!

Via Robert Rauf (REMN The Real Estate Mortgage Network):

There has been some miss-information flowing around in Active Rain so I wanted to toss out a few bullet points to clear up any confusion.

Here are the Important Tid-Bits to remember:

Base Conforming limit for most states remained $417,000

Conforming Jumbo Limit dropped to $625,500

There are still loans available above $625,500... Just not backed by Fannie or Freddie

Rates Above $417,001 are higher than below.

FHA limits remained mostly unchanged, but each county is different, so you need to check locally.

FHA has the same Max "Jumbo" limit of $625,500 with the amount over $362k being at a higher rate (362k is the "high cost" area normal FHA limit)

FHA has increased its Minimum Down Payment to 3.5% down

FHA only requires 1 appraisal, UNLESS it is a Cash Out Refinance above 85% of the appraisal, at which point you can go up to 95% but need 2 appraisals.

Fannie and Freddie both are continuing to adjust the "add-ons" for interest rate. Credit score, LTV, Property type, occupancy, loan amount, etc all factor into interest rates.

PMI costs are UP (Private Mortgage Insurance)

FHA changed the MIP (Mortgage Insurance Premium), but it is Much cheaper than most Conforming PMI.

FHA does not have the interest rate add-ons, making it more affordable for many buyers than a conforming loan

FHA is probably going to have a minimum credit score shortly, it is programed into some underwriting engines already... That minimum will probably be 580.

Yes there is money to lend! You just need a buyer with a job that qualifies.

Stated income programs still exist for larger down payment buyers with Great credit.

Freddie announced yesterday that we hit the lowest rates for a 30 year mortgage since they have been keeping records, 5.01% is the national average for a 30 year mortgage.

That is a few of the things I wanted to toss out to be sure every one was up to date.

Have a great weekend!

Rob

Robert Rauf

(732)223-1630 x102

Real Estate Mortgage Network

NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey

What a Wonderful opportunity, Low prices and Record low rates.

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sat, 10 Jan 2009 22:38:21 -0600

Here is a great post from my good friend Rob Rauf. Now is a great time to buy!

Via Robert Rauf (REMN The Real Estate Mortgage Network):

I keep looking at rates and thinking "WOW!"

I wasn't really sure if we would see rates this low, but I think it is officially the lowest I have ever seen in the past 20+ years. In 2003 we had rates at similar levels, about .25% or so higher, and we were calling them 40 year lows. So I think it is safe to say it is a 45 or 50 year low in rates. (Records don't go back much farther than that, but my own personal experience in the industry goes back to 1987)

Here are some interesting numbers:

The average rate for a 30 year mortgage over the past 20 years: 7.68% That is a rate that includes paying points.

When I purchased my first house in 1989 my discounted "mortgage guy" rate was 11.25%.

The first time I refinanced that house was to a 5 year balloon at 9.25%

Second refi: another 5 year balloon 7.25% (both refi's were early 90's) I was only in this house for 5 years, and had 3 loans, saving quite a bit with each refi.

The real world examples of what I was actually able to do as a Mortgage Guy, jumping on a rate when it made sense. We have it so good right now that it is hard for people to understand just how good we do have it.

Today: flirting around the 5% mark, and the occasional dip below 5, and well into the 4's if you pay a point or so. Of course this would be for a highly qualified buyer/borrower with great credit. But:You don't need a huge down payment or be perfect to take advantage. FHA buyers get the same rate, and can get away with as little as 3.5% down and Good credit is expected, but it does not have to be stellar credit.

Why are they so low? partially because the economic data is weak, and bad news is good news for the credit markets... causing rates to go down. Rates go down to help spur the economy. The next piece is that the Federal Reserve along with the Treasury have committed to buying $500 BILLION in Mortgage backed securities to help keep mortgage rates low, and to help stabilize and boost housing prices.

Interest rates have WAY more upside potential than down and we will not know where the bottom is until they start going up. My feeling is that we will flirt around current levels for the next 90-120 days and then the economic stimulus plans should begin to kick in, spurring the economy. Good news is bad news for interest rates, so the first sign of us coming out of this recession will lead to higher long term rates, and it will most likely be a quick jump up, not a slow and gradual one.

We will probably look back at the last few months of 2008 and the first few months of this year and reminisce, "I could have purchased that house for $X00,000, and had a 5% interest rate, I wish I took advantage!"

We are in a great time to take advantage of House Prices AND interest rates all at the same time. If you plan on buying and keeping your home for the long run, I don't think you will ever regret taking advantage of today's market. However, if you think you will move in a year or so... It may not be the best move. Real Estate is a long term investment, and history has proven that.

Have a great week!

Rob

Robert Rauf

(732)223-1630 x102

Real Estate Mortgage Network

NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey

Club Chaos OctECP10: Hiking in the Fall Foliage in New York

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sun, 16 Nov 2008 14:14:40 -0600

Thanks to my buddy, C Tann-Starr, I am submitting the following photos to a photo contest. While you have seen most of these shots in the last few weeks, I have combined some from a few different posts.

The photos were all taken on November 1st and 2nd 2008 at Minnewaska State Park and Sam's Point in the Shawangunk Mountains in New York. A friend and I went hiking for the weekend and what a wonderful time we had - fantastic fall weather with bright blue skies, sunshine and cool, crisp autumn air - what a pleasure! Two weeks later and I am still smiling!

I wish everyone could have the wonderful experiences that I had that weekend and will never forget. Take some time out of your lives to go out and experience some of the wonders that nature has to offer. I promise you will remember them for a lifetime.

Just couldn't resist photographing this leaf with water droplets on it...

Waterfall at Minnewaska State Park...

I love the glassiness of the water's surface and the stark nakedness of the bare tree limbs at Lake Minnewaska...

The cliffs surrounding the lake and the evergreen trees are just so beautiful...

The majestic and breathtaking Verkeerderkill Falls at Sam's Point...

The view seems to go on forever...

Some beautiful fall color...

I hope that you all have enjoyed my photo presentation and that it will inspire you to go out and explore in your own areas, or maybe to travel to some new areas for adventures unknown. Life is a book that you turn a page at a time - relish every chapter and don't rush to get to the end.

Why Prudence is Needed when Christmas Shopping - - - Cutting Back is Great for Many Reasons...

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Thu, 18 Dec 2008 18:39:55 -0600

This post was written by my good friend Larry Bettag from St. Charles, Illinois. I couldn't agree with him more about not going into debt for two to three months to pay off Christmas like some people do. Teaching kids about money management is much more important. It is also important to teach about giving of one's self, not just material gifts. Words to the wise and words to live by.

My favorite gift is the gift of time - if someone says they will make the time to do something with me, that would be a much more meaningful gift than something material. Like an envelope with a gift certificate to go hiking at a certain location or to spend a day at the beach or for a picnic lunch - just wrap the envelope in pretty paper and stick a bow on it and I will be happier than with anything anyone could buy for me.

Via Larry Bettag - Cherry Creek Mortgage:

OK so Christmas is here. It's upon us. The commercialism is all over us....this year starting before Thanksgiving and with some....even prior to Halloween. Photo provided courtesy of AZ Photos. WHAT I'M ABOUT TO SAY WON'T MAKE ME POPULAR IN SOME CIRCLES.

The economy is tight. But you have friends and family who you want to or feel that you NEED TO buy presents for. I think that this is the most opportune time to cut back. Here are my reasons why.

1) Finances - we have 5 kids. I love them. Finances are good, but they ain't what they used to be. We don't borrow to buy so no VISA majors for us. Why spend what you don't have just to pay it back later?

2) Not sinking the family for 1 Christmas - I'm not going to sink a ship just so that my loved ones can receive a gift from me. I'm anything but scrooge. I'm not bragging, but people always say that I'm one of the most generous people that they know. I really think that I'm to be generous with the blessings and finances that God gave me. And I am. However, I"m not taking one in the chin so that I can spend X% of next year paying off a generous day. I have spoken to close friends and we've all agreed that no gifts are to be given this year. My kids will get gifts, but it's down about 90%. Santa will give them a few gifts and we'll just buy them one item from us.

3) Teaching your children what's right - My dad is an incredibly successful doctor. But I remember a time when he called a family meeting and said that we're cutting most of our vacations for the year. He had 5 kids in parochial grade schools and high schools and had others in private colleges. He said that it was just a necessity. All of us kids felt bad - - - not at the cut back, but that Mom and Dad had to sacrifice so much for us. It was all good, but most importantly. it was a lesson that we all learned. I won't sink the ship for one day and I'm teaching my own children how to TRULY provide financially for their future families. So much good comes out of a tight belt.

4) Not keeping up with the Jones' - I've never been one to do that. I could care less what the Jone's are doing. I care about being better than the Jones' as to teaching and providing for my family. That's really all that matters. No Jonesings going on here.

5) In the Old days- - - prior to my time. It was a great Christmas if the kids got a candy cane and a sweater or new underwear. I heard my father in law stashing cash under his bed b/c of the depression. I think that simplicity can really draw a family tighter together.

6) Retailers and the market - - - retailers want you to buy or their business will bust. I don't care. I need to save so that I can keep the business of my family alive. If I buy on plastic, I'll pay later. I'm not gambling on the ability to pay something back later. We just built a new house and closed on it 3 weeks ago. That's a huge present in and of itself. If we buy to protect the businesses, I'm afraid that we're just preventing the inevitable anyway.

Sooooooooooo....take back the gifts bought b/c of guilt. I'm transparent with my friends. "This is a tight year dude. We'll do something great once the business starts cranking again. You cool with that?" They all are or at least said that they are. I'm excited for different Christmas. I'm excited to go deeper with the true meaning of Christmas. How bout you?

Picture provided from AZphoto.com http://images.google.com/imgres?imgurl=http://www.azfotos.com/christmas/alamyphotos/christmas-presents_AJM4D6.jpg&imgrefurl=http://www.azfotos.com/christmas/christmas-pictures.htm&usg=__0dmYPifdo_GJ7h0vuir0Gx9HGIQ=&h=470&w=300&sz=45&hl=en&start=3&tbnid=f7x2N6Tb7IdA1M:&tbnh=129&tbnw=82&prev=/images%3Fq%3Dchristmas%2Bpresents%26gbv%3D2%26hl%3Den%26safe%3Dactive

Giving this year

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Thu, 18 Dec 2008 18:12:13 -0600

I thought that this was just such a kind and heartwarming post by Christopher Pike that I just had to re-blog it. Great idea Christopher and thank you for being so generous!

Via Christopher Pike, 803.727.7800 (Keller Williams® Realty):

My wife, baby, and I were in the Myrtle Beach, Sc area and we stopped at the Coastal Grand Mall. While we were walking around we noticed The Salvation Army's Angel Tree Program, so we stopped and looked to see what the kids (angels) wanted this year for Christmas. We made a mental note of what they wanted (tricycles, baby riding toy and wrestling men) and went to KB Toys in the Coastal Grand Mall, as we walked in we saw that KB Toys was having a sale. We then found the toys on our list and tried to narrow down what gift we were going to get, the tricycle or the baby ride toy. We then noticed that on top of the sale price KB Toys will take additional 20% off when you spend $50 or more. We taught great, we'll buy them both and make two kids (angels) happy on Christmas. We did our math again and were a little shy of the $50 min. We then started to look at the wrestling men and saw that they where sale for buy 2 get one half off. We added the three wrestling men to the tricycle and baby ride toy and went to the check out counter. The guy checking use out asked if we needed a gift receipt, so we told them it was for The Salvation Army's Angel Tree Program. The guy then said we should mark out the UPC label so no one can return the toys. I didn't even think that someone would not give the toys to the kids, so he marked out the UPC label for use. The total after it was all said and done was about $55. We were shocked that we could help 5 kids (angels) happy on Christmas this year, it feels really good to give. Don't forget to give this year, no matter your budget you can make a child happy on Christmas. There are other great programs for helping kids for Christmas, like the Marine Corps Toys for Tots.

Christopher Pike, Referral Agent

803.727.7800

christopher_pike@yahoo.com

www.ChristopherSellsColumbia.com

Alexandria at Hillsborough Condos, Hillsborough, NJ (Somerset County)

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Fri, 22 Feb 2008 16:54:34 -0600

Alexandria	Hillsborough, NJ

$150,000 - $210,000	Somerset County


A community of homes ranging in size from 1 bedroom, 1 bath condos to 2 bedroom, 1 1/2 bath condos with formal dining rooms. All homes have patios and basement storage areas. Priced from $150,000 - $210,000. For more information visit http://www.lisafriedman.com For information on a fabulous health tonic that Lisa is also marketing, visit http://www.viaforhealth.com

Contact Lisa

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(908) 658-5995

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Lakewood Townhomes, Somerset, NJ Market Report

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sun, 23 Nov 2008 15:32:11 -0600

Lakewood - Somerset, NJ Market Report
November 23rd, 2008

The following is the recent activity in the Lakewood neighborhood.

Address Status

List Price

Style

BR Baths Basement 187 Driscoll Court UC $284,900 Townhouse 2 2.5 FWO 127 Sunnyvale Court UC $299,900 Townhouse 2 2.5 FWO 172 Carson Court A $315,000 Townhouse 2 2.5 FWO 41 Westlake Court A $315,000 Townhouse 2 2.5 FWO 227 Driscoll Court UC $339,800 Townhouse 3 2.5 FWO 51 Freemont Court A $344,800 Townhouse 3 2.5 FWO

Information deemed reliable but not guaranteed. Reference: Garden State Multiple Listing Service, LLC.

Click on http://www.LisaFriedman.com/Somerset to read about Lakewood and other Franklin Twp/Somerset, NJ neighborhoods.

Put my 19.5 years of local real estate experience to work for you. Contact me at Pinnacle Realtors in Bedminster, NJ at (908) 658-5995 or via my web site at http://www.LisaFriedman.com. I am happy to help you with your real estate needs in Somerset, Hunterdon, Morris, Middlesex and Mercer Counties.

Status key: A - Active, UC - Under Contract, S - Sold
Basement key: F - Finished, FWO - Finshed walk-out

For information on a fabulous healing & energizing health tonic that Lisa is also marketing, visit http://www.ViaForHealth.com

© 2008, All Rights Reserved. Lisa Friedman, Broker Associate, Pinnacle Realtors - Bedminster, NJ.

Bedminster Rent with Option to Buy

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Fri, 28 Dec 2007 13:10:40 -0600

Bedminster, NJ	Wynnewood

$289,900	Rent w/option to buy!


Spacious 2 br 2 bath 2nd floor condo in The Hills. Living room with fireplace and sliders to large deck. Dining room with cathedral ceiling. Kitchen with oak cabinets. Very large master bedroom with vaulted ceiling, two oversized closets, dressing area and attached bath. Clean and in very good condition. Vacant and ready for immediate occupancy. Also available to rent for $1,800 or rent with option to buy.

Contact Lisa

Office:	(908) 658-5995
Fax:	(908) 658-5997
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Wynnewood



\

We Walked Hallowed Ground

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sun, 16 Nov 2008 16:49:16 -0600

I wanted to re-blog this wonderful post by Craig Barrett on his Veteran's Day visit to Arlington National Cemetary. Thank you Craig, for honoring our Veterans!

Via Craig W. Barrett - Hughesville MD Real Estate:

Veterans Day 2008 was a special day. I took my kids to the wreath laying ceremonies at Arlington National Cemetery. The weather was cool and crisp and when we crossed the threshold of Memorial Drive, a somber, respectful feeling came over us as the site of thousands of white marble headstones came into view.

Because of the of the crowds, the number of people were limited at the Tomb of the Unknown Soldier for the wreath laying ceremony. We tried to get to the rail so my kids could see, but the line was just too deep. We moved over to the amphitheater and found a seat. We were greeted by volunteers handing out programs and small flags to commemorate the day.

The Mistress of Ceremonies was Bo Derek. She introduced the speakers, including Vice President Cheney. The Navy Band played several music selections including God Bless America. The program included the procession of the colors and a prayer for the Veterans.

The audience included members of Congress, members of the Senate, Cabinet members, Former and Active Military, moms, dads, wives, husbands, and children. The event was free to the public and all were welcome.

The ceremony inside the amphitheater lasted about an hour. At the conclusion, we walked over to the Tomb of the Unknown Soldier to witness the laying of several Veterans Group's wreaths.

The grounds at Arlington National Cemetery are vast and includes the internment of President John F. Kennedy, his wife Jacquelyn Kennedy Onassis, and his brother Robert Kennedy.

Arlington National Cemetery Facts

Arlington Mansion and 200 acres of ground immediately surrounding it were designated officially as a military cemetery June 15, 1864, by Secretary of War Edwin M. Stanton.

More than 300,000 people are buried at Arlington Cemetery.

Veterans from all the nation's wars are buried in the cemetery, from the American Revolution through the Iraq and Afghanistan. Pre-Civil War dead were reinterred after 1900.

How Did Veterans Day Come About?

November 11, or what has come to be known as Veterans Day, was originally set as a U.S. legal holiday to honor Armistice Day - the end of World War I, which officially took place on November 11, 1918. In legislature that was passed in 1938, November 11 was "dedicated to the cause of world peace and to be hereafter celebrated and known as 'Armistice Day.' As such, this new legal holiday honored World War I veterans.

In 1954, after having been through both World War II and the Korean War, the 83rd U.S. Congress, at the urging of the veterans service organizations, amended the Act of 1938 by striking out the word "Armistice" and inserting the word "Veterans." With the approval of this legislation on June 1, 1954, November 11 became Veterans Day, a day to honor American veterans of all wars.

Shopping for a home? Look how great interest rates are TODAY! Pretty color chart and all!

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Sun, 16 Nov 2008 16:45:28 -0600

I read this fantastic post from my good friend, mortgage rep Rob Rauf, and wanted to re-blog it here on my blog. Rob is a terrific mortgage rep with twenty one years experience in the business. You can feel comfortable calling on him for all of your mortgage needs!

Via Robert Rauf:

If you have read my profile you know that I have been in the business for over 20 years, I have seen a lot of ups and downs since the late 1980s both in business and in interest rates. My first house I paid over 11% on my loan, and I am in the business!!! When you look at the chart below, you will see that RATES ARE GREAT!

I know that I look at rates today and think they should be lower based on economic conditions. But historically speaking we are still quite low. The average rate over the past 20 years is 7.68% and for most of this year we have been solidly in the 6's and keep flirting with the high 5's. We are in great shape and today's rates make financing your next home Very affordable!

And keep in mind that this chart cuts off the REALLY high years in the early 1980's when the rates were well into the teens, So a 30 yr average is even higher. So to sum up: We are in wonderful shape right now. Mortgages are near historical low levels (2003 was called a 40 year low).. and Homes are affordable. What more could we ask for?

Have a great day!

Rob

Robert Rauf

(732)223-1630 x102

Real Estate Mortgage Network

Hiking Verkeerderkill Falls at Sam's Point, New York

Lisa Friedman Central New Jersey Real Estate (Pinnacle Realtors) — Fri, 07 Nov 2008 09:05:31 -0600

These pictures are from a hike at Sam's Point in the Shawangunk Mountains in New York. This 4,600 acre area contains ridgetop dwarf pine barrens and is also home to 40 rare species of plants and animals.

This particular hike is from the Verkeerderkill Falls trail. As you can see, this was a very scenic trail. The footing was quite rocky. I just loved the view at the waterfalls - heaven on earth!

If Lisa is involved, you know that any outdoor adventure will go into nightfall, so the end of the hike was in the dark by star and moonlight which was quite nice and peaceful (if you are Lisa) and quite worrisome to anyone else who is unaccustomed to being out adventuring in the dark. 36 degrees was actually a nice temperature for the brisk nighttime air!

If you look closely, you can actually see the beginning of the waterfall on the leftmost side of the photo. Love the cool rock ledges...

Pretty pools of water just above the falls...

I like the way the light plays on the water...

The top of the falls...

No words needed... Just listen to the roar of the water, can you hear it?

Breathtaking...

Nothing beats the feeling of standing ontop of a mountain you've just climbed!

How happy I look here! Totally in my element...

The last bit of sunlight with about 40 minutes of hiking still to go. See the little sliver of the moon in the top right corner?

What a fun, beautiful and happy day!