Rates Slightly Drop Again

> Good Evening,
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> Just wanted to make you aware that the 10 yr Treasury Note has dropped to 1.86 as of market closing today. These are levels that havent been seen for almost a year now. This has resulted in mortgage rates lowering!  With the spring market upon us ( hopefully no more blizzards!), it is an opportune time for buyers to start hitting the pavement to take advantage of these low level mortgage rates.
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> I am available everyday to assist any of your prospective buyers to be pre-approved for their new home purchase. Depending upon the borrowers information and records, I can perform a pre-approval within 10 minutes. Borrowers, such as self employed borrowers, would require more detailed information for me to receive, to properly perform a effective pre approval.
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> And if you need any flyers to place at your open houses, detailing some loan program information, or current rates, I would gladly put together for you.
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> Lastly, this also goes for anyone you may know looking to refinance. Now could be the time to look into a lower rate or reducing the current term of the mortgage.
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> Thanks Again for listening, and have a great night!
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> Thank You!
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> Dominic DiGrazio | Branch Manager
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> Residential Home Funding Corp.
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> 60 Route 46 East, 2nd floor | Fairfield, NJ 07004
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> Main: (973) 575-1550  ext. 10 | Toll Free: (844)-524-1026
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> Cell: (973) 356-5333  | Fax: (973) 575-1551
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> NMLS # 204838 | Company NMLS # 34973
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> ddigrazio@rhfunding.com
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> www.rhfunding.com
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> NJ- Licensed by the NJ Department of Banking and Insurance – License # 9964632
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> NY- Licensed by the New York State Banking Department- License # B500689
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> PA- Licensed by the Pennsylvania Department of Banking – License # 20875
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> FL- Licensed by the Florida Office of Financial Regulation #MLD388.
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Fwd: (Toss Tip) February Challenge from Jamie Novak 2-2-16

February Challenge: Make It or Make It Go Away Back when I feeling crafty I decided to make a bracelet. So, I bought a bracelet making kit. The kit included enough supplies to make 50 bracelets. I made one. That was 3 years ago. And now I have enough leftover beads to make 49 more! Then there are all the empty tins from mints. I saw on Pinterest how you can make tiny play sets – like a mini dog with a bed and bowl. I keep thinking I might be the kind of person to make one of these sets for my niece. So far I have not been that kind of person – but I keep hoping. And let's not forget the random felt pieces, excessive quantities of pom-poms and enough pipe-cleaners to twist together a floor length dress. Of course I have containers of itty, bitty beads. No self-respecting craft cabinet would be complete without them. And who doesn't have Mod Podge? I do!! Lots of them! And I also have stacks of empty boxes. I keep them after all you never know when I might bead a bracelet, using 3 year old beads, then gift it to someone in one of these cute boxes. My closets and drawers are filled with craft supplies for crafts I'm not making! Which brings me to our February Challenge – make it or make it go away! February, a month when we are mostly stuck inside because it is too cold/rainy/snowy to go out, seems like the perfect month to craft something. Here's How to Challenge Works: 1. Make something new or finish something you started (yes, a handmade Valentine's Day card or construction paper cut-out hearts or a wreath counts) 2. Find some craft kits or craft supplies to share (and then share them – it DOESN'T count unless they leave your house) 3. Toss anything that is too icky to save – broken beads, dried glue, paint brushes that shed bristles (you get the idea) Note: need a place to share crafts? Think about assisted living facilities, retirement homes, school art teachers, children's librarians, and scout troop leaders. Here's my overall organizing plan: I designated a single drawer as the craft drawer. I am going to fill it until I can't shut it without using my hand to push the stuff down. Once I outgrow the drawer I am going to have to make choices about what to make and what to make go away. The 49 bracelet kits – make it go away! I had three years, the beads are going to start disintegrating. The empty mint tins- make it go away! I will eat more mints, I will get more tins. The random felt pieces, pom-poms and pipe-cleaners. Keep! A reasonable quantity. How many pom-poms do I use on any given day? The containers of glass beads – make it go away! Someone is beading right now and that person can use them. Plus if the lids pop off one more time and I have to chase tiny beads around the hardwood floor I might lose it. The Mod Podge – keep! Hey, you never know. It is good for so many things. The empty boxes – keep! One of each size. That's it. That's the challenge. Are you ready to give it a try? If so I sure hope you'll let me know what you make AND what you make go away! Wishing you a clutter-free week, Jamie PS New programs were just added! Here's a snapshot list of locations listed alphabetically– click here for details about each event: Allendale, NJ Tuesday April 26th 7pm Bayville, NJ Wednesday March 31st 6:30pm Clifton, NJ Tuesday April 12th 7pm Emerson, NJ Thursday April 14th 7pm Hackensack, NJ Tuesday March 15th 7pm Hillsborough, NJ Thursday April 21st 7pm Ho-Ho-Kus, NJ March 24th 7pm Lavalette, NJ Wednesday April 6th 7:30pm Little Falls, NJ Thursday May 19th 7pm Long Valley NJ Wednesday April 27th 7pm Manahawkin, NJ Saturday May 14th 2pm New Egypt, NJ Monday March 21st 6pm Old Bridge, NJ Friday March 18th 7pm Orangeburg, NY Monday May 16th 7pm Piscataway, NJ Wednesday March 23rd 7pm Ridgewood, NJ Thursday June 16th 7pm Somerset, NJ Saturday Feb., 6th 2pm Springfield, NJ Wednesday April 13th 7pm Succasunna, NJ Tuesday April 19th 6:30pm Suffern, NY Thursday Sept., 29th 7pm Teaneck, NJ Friday April 1st 10:30am Tenafly NJ Thursday April 28th 7pm Verona, NJ Sunday April 24th 3pm Waretown, NJ Monday April 25th 3pm Warren, NJ Saturday March 5th 2pm Westfield NJ Tuesday April 5th 7pm Whippany, NJ Wednesday April 20th 7pm Wyckoff, NJ Tuesday May 10th 7pm You received this email because you subscribed at our website, or you gave us your permission at an event. To ensure delivery to your inbox (not bulk or junk folders), please add Jamie@JamieNovak.com to your address book. Hit reply with the word unsubscribe and I'll do it for you or you may click here to unsubscribe from this list if you no longer wish to receive our emails. Bite Size Living ™ is written and produced by Jamie Novak. If you have any questions or comments, or for reprint permission of this newsletter, please email Jamie@JamieNovak.com. © Copyright All rights reserved. Novak Organizing LLC 401 US Highway 22 14C North Plainfield NJ 07060 This site may contain advertising banner, affiliate links and Amazon affiliate links. In the event that an Amazon affiliate link is used, I will receive commission on the sale of the products. Please know the affiliate program does not influence my decision of what products to use and share as I only feature items I would link to with or without an affiliate link. All reviews and opinions on this site are mine and mine alone. If I am given a product to review I will give full disclosure at the end of the post. I share my personal projects and what works for me; however, I can never guarantee that those same projects will also work for you and your home. As the reader, you assume any risks involved when completing projects seen on this site. I am not personally liable for any projects that are completed based on the ideas and inspiration shared here. If you have any questions please ask. And always test cleaners/products on a small inconspicuous area before using them, just because they work for me in my home with my current home finishes does not guarantee they work for you. And of course always follow the directions on the package.

Fwd: Roof Replacement vs. New Plumbing

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Fwd: Restaurant Week....Valentine's Day.....Entertainment

JERSEY SHORE RESTAURANT WEEK ANNOUNCES NEW EVENTS THE GREAT JERSEY SHORE BURGER CONTEST AND CRAFT BEERFEST JSRW and Bar A are teaming up to for this fantastic event again. What's better than burgers and craft beers? Last year's event sold out, so order your tickets early. The Burger Contest: Top Jersey Shore Restaurants compete for "The Best Burger at the Shore" Come vote for the "Best Burger at the Shore." Enjoy samples of select craft beers and taste ALL of the competitors burgers.  Your vote will help determine the "People's Choice Award" winner.  Craft Beer Fest: Sample over 30 fantastic craft beers from some of the country's best breweries. TICKETS EAT, DRINK, INDULGE: A Craft Spirits Tasting So much is written about the craft beer business that the explosion of craft SPIRITS often goes unnoticed. Yet hundreds of serious entrepreneurs are creating fantastic boutique brands of vodka, gin, bourbon, rum, tequila and more. We've selected some of the best, including some made right here in New Jersey, for you to sample. Taste each one and then select your favorite for a full blown cocktail prepared by one of Redemption's seasoned mixologists. Enjoy a sampling of Redemption's delicious snacks. TICKETS ___________________________________________________________________________________             VALENTINE'S DAY WAYPOINT 622  In addition to our full a la carte menu being available our culinary team will be featuring romantic specials for two. All dinners include complimentary Sorbet Intermezzo and Belgium Chocolate Dipped Strawberries Chateaubriand Madeira sauce, baby vegetable medley, horseradish mashed potatoes Breast of Catskill Moularde Duck Black cherry glace, baby vegetable medley, horseradish mashed potatoes New Zealand Rack of Lamb "Persille" Dijon herb crust, rosemary & roasted garlic scented lamb jus, watercress salad Waypoint Surf and Turf Any above special for two plated with our famous "Destination" Colossal Lump Crab Cake Waypoint 622 is currently a BYOB until March 1, 2016 732-528-6665 NONNO'S Nonno's Valentine's Day Dinner with Nicky Addeo Thursday, February 11, 2016. 6:30pm - 9:30pm A special night 4 course meal for $45 per person plus tax and gratuity. Beet Salad Lobster Ravioli Roast Pork Loin with Cranberry Glaze Warm Brownie with Vanilla Ice Cream Specials for the weekend 2/12-2/14) will include: STARTERS Cold Octopus with Lemon Vinaigrette Roated Peppers with Pine Nuts and Olives Beet Salad with Spring mix, Goat Cheese and Apple Cider Vinaigrette ENTREES Pan Seared Duck Breast Lobster Ravioli Rib Eye Steak Wild Mushroom Risotto Eggplant parmigiano Bruschetta mahi Mahi Zuppa di Pesce THE GREAT AMERICAN STEAKHOUSE DINNER Kicks off Jersey Shore Wine Weekend, February 19-20, 2016 at the Ocean Place Resort & Spa in Long Branch. TICKETS This extraordinary four course dinner created by Executive Chef Peter Csikos will feature 4 courses, paired with wines. Menu Steakhouse Iceberg Applewood Smoked Bacon, Red Onion, Tomato, Creamy Blue Cheese Dressing Wine Pairing: 2014 Spottswood Sauvignon Blanc French Onion Soup Crouton Raft & Melted Gruyere Wine Pairing: 2010 Joseph Drouhin Morgan Cru Beaujolais Dry Aged NY Filet Mignon or Fresh Atlantic Halibut Anna Potatoes & Roasted Root Vegetables Wine Pairings: 2011 Domaine Serene Pinot Noir Yamhill NY Cheesecake Toasted Almonds, shaved Chocolate & Chantilly cream Wine Pairing: 2007 Quinta do Portal Grand Reserve __________________________________________________________________________________ FOOD & DRINK DEALS FOOD DEALS Monday-Thursday Deals: Click Here  Friday-Sunday Deals: Click Here    DRINK DEALS Monday-Thursday Deals: Click Here  Friday-Sunday Deals: Click Here ______________________________________________________________________________ ENTERTAINMENT Thursday  Turnpike Mike - Harpoon Willy's Texas Hold 'Em at Crab's Claw Inn Bar Games and Trivia at Rella's Texas Hold 'Em at Crab's Claw Inn   Friday  Marc Muller at Harpoon Willy's Stan Steele at Yvonne's Live Jazz at Cross & Orange Blue Collar Bandat Crab's Claw Inn  Men of Horses at Bar Anticipation Sounds of the Street - Five Member Singing Doo-Wop at Doolan's Shore Club  Saturday Floyd Murray at Harpoon Willy's at Remington's Naked Twister at Bar Anticipation Pat Karwan live at Europa South Waterfront Duo at Crab's Claw Inn Alfredo Cunha at Europa South - Music and Dancing! Gerard Esposito at Doolan's Shore Club    _________________________________________________________________________________ RESTAURANT LINKS 709 - Point Pleasant Beach Bar Anticipation - Lake Como Beach Tavern, Monmouth Beach  Brandl - Belmar Buona Sera, Red Bank Crab's Claw Inn - Lavalette Cross & Orange - Asbury Park Danny's Steakhouse, Red Bank  Doolan's Shore Club, Spring Lake Heights Europa South, Point Pleasant Four Winds - Manasquan Harpoon Willy's - Manasquan Joe Leone's - Point Pleasant La Dolce Vita - Belmar Langosta Lounge, Asbury Park La Terrazza Cucina Rustica & Bar - Belmar McGillicuddy's - Loch Arbor Prime 13 - Point Pleasant Pop's Garage, Asbury Park Reef & Barrel - Manasquan Rella's - Brielle Remington's, Manasquan Salt Creek Grille - Rumson Scarborough Fair - Sea Girt Simko's Grill, Brielle The Irish Rail, Manasquan The Mill - Spring Lake Heights Waypoint 622 - Brielle    Jim Flynn | ShoreFoodie.com  | shorefoodie@gmail.com| www.shorefoodie.com STAY CONNECTED:

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