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Are Commuting Costs Getting Out of Control??
If you commute to work by driving your car, you may have noticed that the price of gas is going up. The NJ Department of Transportation offers assistance for riders who are interested of carpooling.
Sharing your ride to work - in a carpool, vanpool, bus, train, shuttles or a combination of these - is called ridesharing. Commuting just 15 miles each way can cost as much as $ 1,764 per year. Sharing the ride with just one other person can cut your commuting costs in half.
The state of NJ has a website that provides a wealth of information for commuters and would be car poolers
www.nj.gov/transportation/commuter/rideshare/
Good luck and Happy Commuting
Leander McClain, Burlington /Camden County, NJ Realtor & Real Estate Consultant, Keller Williams Realty, 1814 Route 70 E
Cherry Hill, NJ 08003 856-685-1677 Direct
Recent Posts
Economic Stimulus $8,000 Tax Credit
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Janet Larsen, Broker/Associate at Remax Connection is offering discounted commission programs! You don't need to Sell By Owner any longer! You will still get Full Service, Professional Real Estate Services with one Of Remax of NJ's Top 100 Agents! Janet's negotiating skills and marketing skills are all key factors in a challenging Real Estate Market that will enable your home to sell quickly!
Contact Janet Larsen for an In Home Market Analysis to see what your home is worth, and list your home TO SELL!
Janet has been a recipient of th NJ Association of Realtors Circle of Excellence Award consecutively from 2003-2008.....Remax of NJ 100% Club from 2005-2008....Burlington/Camden County Board of Realtors Top Performer Award for 3rd and 4th Quarter of 2008, and ranked #11 of NJ Remax Agents thru March of 2009.
So Before You call a Realtor to List Your Home, Call Janet To SELL IT! FULL TIME REALTOR...FULL TIME SERVICE....ALWAYS THERE TO TAKE YOUR CALL!!!!
Remax Connection 660 Woodbury-Glassboro Road, Ste 26A Sewell, NJ 08080
Office: 856-415-1210, ext 321 or Direct at 856-261-6910
Email Janet at njrealtorjan@comcast.net
PROUDLY SERVING BURLINGTON, CAMDEN AND GLOUCESTER, ATLANTIC AND CUMBERLAND COUNTIES...

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Smart Money Tips
These days, more than ever, we must be smart with the money that we have. Here are 7 Smart Money tips that may help.
1. Charging Credit Cards To The Limit
Using credit cards responsibly can help you build good credit so you qualify for lower interest rates on loans. However charging your cards to the limit and not paying them off is a sure ticket to trouble. It's very easy to say to yourself that you will use your charge card and pay it off when the bill comes. That almost never happens. So, pay in cash instead to keep spending within your means.
2. If It Can Happen, It Might
If you're involved in an accident the day after your auto insurance policy expires, you can really be up the creek without a paddle. If that happens to you, the financial fallout can be devastating. You can literally be on the hook for hundreds of thousands of dollars. Be sure you stay fully covered with auto, life, renters or home owners health care and disability insurance at all times.
3. Not Saving
Due to compound interest, when it comes to saving, time can be your friend. The earlier you start saving, the easier it will be. By waiting even just a few years, you make it much harder to meet the same goal. Try to set up a "just because" savings account. Put a set amount in it every pay day and never plan to withdraw the money. This can be as little as $10-20 per paycheck. Pretty soon you will save up a nice little nest egg that you will be able to use if you have an emergency. What you will find is that you often find other ways to handle the emergency and your account will continue to go. Whatever you do, don't get an ATM card for this account.
4. Giving Away Free Money
If your employer offers a 401(k) plan with a company match, make sure you take full advantage of it. Put simply, a company match pays you. If you're not contributing enough on your own to get the full match, you're giving away free money.
5. Save First
Basing your investments on what you have left over at the end of the month will get you nowhere fast. Instead, set up an automatic that takes money out of every paycheck. You'll probably never miss the dollars you don't see.
6. Co-Signing for Loans
Never, Ever Co-Sign Period!! Next time a friend or family member asks you to vouch for them on a loan, politely run the other way. Remember, if a person needs a co-signer, it's because the person applying has no credible history of paying debts on time. In other words, they have bad credit. If they didn't pay past debts, what makes you think they will pay this one? If the person who received the loan is late on payments or simply doesn't pay up, you'll be responsible. And it could damage your credit.
7. Driving Upside Down
Let's say you buy an expensive new car and finance it for five years. Since new cars depreciate quickly, after a short time you may owe more on the loan than the car is worth - being "upside-down" on the loan. To get the most for your money, put at least 20% down or, better yet, buy used and drive it till it dies.
Leander McClain, Burlington Township Realtor & Real Estate Consultant, Keller Williams Realty, 1814 Route 70 E, Suite 200, Cherry Hill, NJ 08003, 856-321-1212 Bus., 856-685-1677 Direct
Recent Posts
Economic Stimulus $8,000 Tax Credit
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The "Live Where You Work" Program is now available in Evesham Township. Homebuyers who work in these cities and also buy a home there can get 5% down payment assistance. For a $200,000 home, that's $10,000!
This is a fantastic program for HOME BUYERS! To see if other townships qualify for this or any other home programs, contact Janet Larsen, Broker/Associate Remax Connection (Offices in Evesham and Sewell, NJ for your convenience.
Janet Larsen can be reached at 856-415-1210, ext 321 or by cell at 856-261-6910. If you'd prefer to view homes at your leisure, go to www.njrealtorjan.com or email Janet at njrealtorjan@comcast.net.
Don't miss out on a "Golden Opportunity" of HOME OWNERSHIP and building your future! Call Janet Larsen Today!
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Buying or selling a home in Marlton, NJ? Janet Larsen is the expert agent in South Jersey. Go to www.njrealtorjan.com and fill out a Neighborhood questionaire. Janet will contact you and schedule an appointment for a market analysis of your home! HOMES ARE SELLING, YOU JUST NEED THE RIGHT REALTOR! Janet Larsen, Broker/Associate Remax Connection, 660 Woodbury-Glassboro Road, Sewell, NJ 08080. Offices also in Marlton for Burlington County Home Owners. Janet can be reached directly by cell at 856-261-6910 or office: 856-415-1210.
Don't miss out on another "SPRING MARKET" CALL NOW!
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