We Specialize In These Northern New Jersey Communities

Allendale - Franklin Lakes - Mahwah - Ramsey
Ridgewood - Upper Saddle River - Wyckoff

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Make These 3 Resolutions a Priority for Your Home in 2019


It’s that time of year to start thinking about our resolutions for 2019 on an individual level. But what about resolutions for our homes to run more efficiently? Here are 3 ways you can do this in the new year.

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We’re all familiar with the tradition of New Year’s resolutions, where we decide on changes we’d like to make in our lives for the coming year. 

Today I’d like to talk to you about that very thing, but with a twist: instead of the focus being on what we can change about ourselves individually, I’ll be discussing what we can change about our home for the new year. 

So how can you make your home run more efficiently in 2019? I have a few resolutions to consider: 

1. Cut Energy Use. One of the biggest culprits of energy waste is your HVAC ductwork—heated and cooled air escapes through holes and loose connections found within your ductwork. As a cost-cutting measure and way to maximize energy efficiency, you’ll want to locate those areas of weakness in your ductwork and seal them off.


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Instead of the focus being on what we can change about ourselves individually, I’ll be discussing what we can change about our home for the new year.


2. Exercise Your DIY Skills. When most people think about calorie-burning through some form of fitness, building a fence is not the first thing that comes to mind. Believe it or not, you’ll burn some serious calories per hour building a fence—340, to be exact. Just by caulking windows and doors, you can burn 280 calories an hour! Cleaning rain gutters? You can burn as many as 272 per hour. If you have some home maintenance projects to do in 2019, keep that in mind!

3. Use Maintenance-Free Materials in Your Home. If you haven’t already, think about making the switch to materials that keep stress and maintenance low and durability high. Fiber cement siding, for example, will withstand wear and tear by lasting up to 50 years. Another item to consider installing is LED light bulbs—becoming increasingly popular, these bulbs can survive for 20,000 to 50,000 hours between changes! 

For more information about what I covered today or for more home resolutions you can make for the new year, don’t hesitate to contact us anytime by phone at 201-825-1266 or email us at JeffAdlerJeff@gmail.com.

4 Tips for Building Your Credit Without a Card


Paying down your credit card isn’t the only way to build good credit. Here are four equally-as-effective alternatives.

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It really is possible to build credit without a credit card–you’ll just have to take a different approach. If you don’t trust yourself with a credit card quite yet, here are some tips:

1. Start repaying your student loans. Assuming you have them, you can start repaying your loans while you’re still in school to begin building your credit score. Waiting until you’ve graduated is also an option. Either way, be sure to pay on time each month to build your score without a card.

2. Use a credit builder loan. This is similar to a secured credit card. Once you’re approved, the funds in the loan are placed in a savings account or a CD until you’ve repaid the loan. At that point, the money in your savings is yours to keep. 

3. Repay a mortgage or car loan. Since both mortgages and car loans report to credit bureaus, either of these will help you build your credit score. The difficult part in getting approved for either of these without an established credit history can be remedied by having a steady income and a good down payment. 


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A credit builder loan is similar to a secured credit card.


4. Make sure you pay your rent and all your bills on time. Also, beware of advanced fee loans and other loan scams that prey on people with no or bad credit. These loans typically guarantee approval and ask for some type of upfront payment. Be careful.

As always, if you have any questions about your credit or about real estate in general, don’t hesitate to give us a call or send us an email today. We look forward to hearing from you soon.

A Thanksgiving Message for You


Thanksgiving is right around the corner. We wanted to share this message of gratitude from our family to yours.

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It’s that time of year where everyone is expressing their gratitude and appreciation. We love that, but we believe in doing so all year long. We’re so grateful and blessed to be able to keep in touch with so many of our past and present clients. We’re so grateful for you remembering us and referring us to help serve all of your real estate needs. We hope you all have a very happy and healthy holiday season and a wonderful Thanksgiving.