THERE'S ALWAYS A BRIGHT SIDE........

I wrote this poem to remind myself that we all have to keep moving on, be positive, don't be discouraged and believe that all things change. There is balance to all, the good, the bad, the yin, the yang, it's all a cycle we need to ride out. There is always a BRIGHT SIDE.

Amid all the challenging economic times, recession, rising prices at the grocery stores, health insurance, expensive auto insurance, property taxes, housing foreclosures, a slow job market, rising costs of living, the NJ deficit, Gov. Corizine’s proposed toll hikes, constant pressures to make ends meet, etc. There is always a BRIGHT SIDE.

This is a GREAT TIME to really learn to appreciate what you currently have. Learn better spending habits, try to stick to want you need to buy,not more than the toys that you have to have and stick to the basics.

Investing is better for some since many stock prices have gone down that were up high before, and it's great time to PURCHASE REAL ESTATE!

Real Estate is solid investment. A first time buyer or someone that is looking to BUY UP is in a GREAT POSITION if the have built up equity, good credit, first time buyers have a great chance to purchase a nice home for their money, many can get a great DEAL. Contact me for the best deals around in Real Estate. Enjoy the Poem..........

My Money Poem

I want to make money to get out of debt

I’m grateful for all my hard lessons and the time that I spent

I want to learn more about life so I bloom

And leave behind memories of darkness and gloom

In spite of my debt and my bills piling high

I am blessed beyond words with the days that go by

I’m never alone and always feel loved

He’s there for me always

“The Good Lord Above”


by Lucy Korzelius

http://www.lkorzelius.remax-nj.com

FREE SEMINAR "IT'S A BUYERS MARKET, LEARN MORE"

Free Seminar!
Free Seminar!

Wednesday, February 13th

7:00-8:00 pm

RE/MAX GATEWAY Office
1500 Allaire Avenue - Suite 103, Ocean, NJ 07712

(Off Rt. 35 South)
Call Lucy 732-684-1559 for Directions.

"Opportunities Abound In a Buyer’s Market"

NOW IS THE TIME TO BUY! Housing prices have dropped, there are many homes to choose from and interest rates are the lowest they have been in 5 years.

It has never been easier to qualify for a home loan. Let us show you how you can afford to buy your own home – no matter what your financial condition is currently! 100% financing is still available.

Now you can come to a free one-hour seminar taught by RE/MAX Gateway Sales Associates, Randi Dickman and Lucy Korzelius and Mortgage Professional, Paulina Henderson, and find out for yourself how you can buy your own home.

Here’s What You’ll Learn in this FREE Seminar:

Ø Can I qualify for a home mortgage loan?
Ø What does my credit report say and how will a mortgage banker look at it?
Ø How much home can I afford to buy?
Ø How should I go about finding the right home?

Vote Today -

NJ Home TAX and more
http://www.americansforprosperity.org/index.php?state=nj

NJ Taxes

Hello out there. I know I'm not the only one concerned about the rising taxes in our Garden State. Since the real estate community has been experiencing blows left and right in the last several years. It's only fair that I bring this new potential tax plan to your attention.

The New Jersey Home Sales Tax

The Realty Transfer fee is a state imposed fee that began in 1968 as a nominal charge for tracking real estate transactions. It has increased dramatically in the last several years, especially due to the phenomenal real estate buying explosion we've had from 2003 - 2005.

The NJ Homes Sales Tax aka Realty Transfer fee has increased on an average home in our lovely garden state about 80%.

THE NJ STATE LEGISLATURE IS CONSIDERING FURTHER INCREASES BY PERMITTING MUNICIPALITIES TO ESTABLISH THEIR OWN FEES IN ADDITION TO THE ALREADY IMPOSED STATE FEES.

THIS IS WRONG!

Please log on to http://njhometax.com for further information and learn what to do to help stop the Home Sales tax increase.

ARE YOU A BUBBA?

Are you a B.U.B.B.A.? BUYERS UNREPRESENTED BY BUYERS AGENT

If you are I can help you get the most out of this real estate market. This current real estate market is full of choices and opportunities for today's savvy consumer.

Whether you are a FIRST TIME BUBBA or a BUBBA back in the market I can help you.

Most BUBBA's don't know:

There is no fee required in working with many Real Estate agents. The commission is PAID BY THE SELLER at the time of closing.

Working with an EXPERIENCED REAL ESTATE AGENT can help you save time and money in the search for the right home to fit your needs.

A REALTOR can make the most to help you have a smooth buying experience.

BUBBA'S can benefit from my 14 years of experience working with SELLERS can help you in negoiating the BEST PRICE AND TERMS.

BUBBA'S can expect PREPAREDNESS, KNOWLEDGEABLE and FRIENDLY service.

BUBBA'S will receive a NO PRESSURE RESULTS ORIENTED REAL ESTATE PROFESSIONAL looking to give a BUBBA the best buying experience that I can.

Call me direct 732-684-1559 or visit my website at http://www.lkorzelius.remax-nj.com for your property search or more information on the home buying process.

RE/MAX GATEWAY Lucy Korzelius 1500 Allaire Avenue Ocean, NJ 07712 lucyk@remax.net Bilingual -- SPANISH

"REAL ESTATE SEMINAR"

How To Buy Your First Home

RE/MAX Agents To Participate in Free Seminar

~Randi Dickman and Lucy Korzelius Hold Educational Seminar

OCEAN, NJ – A free educational seminar on “How To Buy Your First Home”, will be held on Tuesday June 26th from 7-8pm at the Tinton Falls Public Library, located 664 Tinton Ave and on Tuesday, July 17th at the Wall Twp. Public Library on Allaire Road and Bailey’s Corner Road. This seminar is being presented by RE/MAX Gateway Sales Associates, Lucy Korzelius and Randi Dickman and Mortgage Professional, Paulina Henderson of US Mortgage.

The seminar will touch on numerous aspects of the changing market including: how you can qualify for a home mortgage loan, credit reports, what you can afford and how to go about purchasing the correct home. This seminar is free of charge and as an added bonus; those who attend will also receive a FREE credit analysis. Seating is limited so you must pre-register for this event.

For more information or to register for this seminar, please call 732-939-0056.

With over 3,800 real estate professionals in 211 franchise offices, RE/MAX of New Jersey continues to be one of the leading real estate organizations in the state. Since its inception in 1985, RE/MAX of New Jersey has experienced record-breaking growth in both franchise sales and sales associates. This remarkable success can be attributed to the quality agents and service consistently found in all RE/MAX organizations. RE/MAX of New Jersey, based in Moorestown, N.J., is a privately owned and operated regional franchiser for RE/MAX International. Please visit http://www.remax-nj.com/ for more information.

How To Buy Your First Home

FOR IMMEDIATE RELEASE

Contact: Meghan Wallace
856-722-5454


RE/MAX Agents To Participate in Free Seminar
~Randi Dickman and Lucy Korzelius Hold Educational Seminar

OCEAN, NJ – A free educational seminar on How To Buy Your First Home, will be held on Thursday June 28th from 7-8pm at the Tinton Falls Public Library, located 664 Tinton Ave. This seminar is being presented by RE/MAX Gateway Sales Associates, Lucy Korzelius and Randi Dickman and Mortgage Professional, Paulina Henderson.
The seminar will touch on numerous aspects of the changing market including: how you can qualify for a home mortgage loan, credit reports, what you can afford and how to go about purchasing the correct home. This seminar is free of charge and as an added bonus; those who attend will also receive a FREE credit analysis. Seating is limited so you must pre-register for this event.

For more information or to register for this seminar, please call 732-939-0056.
With over 3,800 real estate professionals in 211 franchise offices, RE/MAX of New Jersey continues to be one of the leading real estate organizations in the state. Since its inception in 1985, RE/MAX of New Jersey has experienced record-breaking growth in both franchise sales and sales associates. This remarkable success can be attributed to the quality agents and service consistently found in all RE/MAX organizations. RE/MAX of New Jersey, based in Moorestown, N.J., is a privately owned and operated regional franchiser for RE/MAX International. Please visit http://www.remax-nj.com/ for more information.