A New Housing Bubble Forming…Not Before 2024!

A New Housing Bubble Forming…Not Before 2024! | MyKCM

A recent report by CoreLogic revealed that U.S. home values appreciated by more than 37% over the last five years. Some are concerned that this is evidence we may be on the verge of another housing “boom & bust” like the one we experienced from 2006-2008.

Recently, several housing experts weighed in on the subject to alleviate these fears.

Sean Becketti, Freddie Mac Chief Economist

 “The evidence indicates there currently is no house price bubble in the U.S., despite the rapid increase of house prices over the last five years.”

Edward Golding, a Senior Fellow at the Urban Institute’s Housing Finance Policy Center

 “There is not likely to be a national bubble in the way that we saw the first decade of the century.”

Christopher Thornberg, Partner at Beacon Economics

 “There is no direct or indirect sign of any kind of bubble.”

Bill McBride, Calculated Risk

 “I wouldn’t call house prices a bubble.”

David M. Blitzer, Chairman of the Index Committee at S&P Dow Jones Indices

 “Housing is not repeating the bubble period of 2000-2006.”

A recent article by Teo Nicolais, a real estate entrepreneur who teaches courses on real estate principles, markets, and finance at Harvard Extension School concluded that the next housing bubble may not occur until 2024.

The article, How to Use Real Estate Trends to Predict the Next Housing Bubble, looks at previous peaks in real estate values going all the way back to 1818. Nicolais uses the research of several economists. The article details the four phases of a real estate cycle and what defines each phase.

Nicolais concluded his article by saying:

“Those who study the financial crisis of 2008 will (we hope) always be weary of the next major crash. If George, Harrison, and Foldvary are right, however, that won’t happen until after the next peak around 2024. 

Between now and then, aside from the occasional slow down and inevitable market hiccups, the real estate industry is likely to enjoy a long period of expansion.”

Bottom Line

The reason for the price appreciation we are seeing is an imbalance between supply and demand for housing. This has created a natural increase in values, not a bubble in prices.

2 Family Home in Orange



492 Fairview Avenue Orange, NJ  07050


Call Robert for details and showings 609-474-0360.


HUD Home – Two Family.  – Five  bedrooms, 3 baths.    One car detached garage.  On a quiet street near parks, transportation and shopping.  Property currently available for owner occupants only.   Bid deadline is February 19, 2018.  Property is Sold “AS IS”. Buyer may be eligible for $100.00 down payment ask how. If home built before 1978 a LBP addendum is included. FHA financing IE   (insured with escrow) 203K Eligible. Case # 352-366469  For property condition report, forms, disclosures, availability and to place a bid please visit http://www.hudhomestore.com. Buyer to verify all information.

13 Shortcuts to Meet Your 5-a-Day Quota

Easy Ways to Eat More Fruits and Veggies
  — By Erin Whitehead, Health and Fitness Writer
We all know we should be eating our fruits and vegetables. You’ve probably heard the recommendations for meeting a 5-a-day quota, or seen the USDA’s recommendation to fill half of your plate with fruits and veggies during each meal. And you probably already know that eating fruits and vegetables provides a number of important health benefits, like reducing the risk of chronic diseases and heart disease and helping you manage your weight. Eating a diet filled with veggies and fruits might also protect against certain cancers and reduce the risk of type 2 diabetes.

With all of those benefits, you’d think the entire human population would be chowing down on bok choy and snacking on spinach. But not everyone has a built-in love for the produce department. If you struggle to fit in your fruits and vegetables, read on for some tips and tricks to make eating a healthier diet easier than ever!

Tips for Increasing Your Fruit and Vegetable Intake

1. Eat a fruit or vegetable with every meal. If half a plate of fruits and vegetables seems like an overwhelming goal for you right now, start by simply adding one fruit or veggie to each meal. You can eat them as a side—think a cup of green beans with dinner or a banana with breakfast—or simply start adding them to foods you already eat. Fruit is a cinch to add to oatmeal, yogurt and cereal in the morning. Add onions and peppers to meat dishes, or pile a few of your favorite vegetables onto your sandwich. Once you start working them in, you’ll welcome the new additions!

2. Snack smart. Instead of hitting the vending machine for an afternoon pick-me-up, start snacking on fruits and vegetables. Cut veggies and hummus or sliced fruit with yogurt dip will satisfy you more than a candy bar will.

3. Drink up. While you should limit the number of calories you get from beverages, if you have trouble fitting fruits and vegetables into your busy life, work them into a drink that you can take on the go. Try out smoothie recipes until you find a few you love and work them into your rotation as a breakfast or afternoon snack option. You can easily get several fruit and vegetable servings in a yummy beverage. If you simply want juice, look for 100 percent fruit or vegetable juice for it to count as a serving, but limit yourself to no more than one serving of fruit or vegetable juice per day, as the calories are concentrated and juice removes some of the other benefits of produce (such as fiber).

4. Slurp some soup! Soups and stews can be a nutritious, filling way to get lots of vegetables into a meal. Soup is an easy way to increase the variety of veggies you eat, too, as it can make some of your least favorite options more palatable. If you don’t make your own, make sure you know the healthy soup options at the grocery store.

5. Be ready at all times. Have cut fruits and vegetables in the fridge ready for munching at all times. Whether you buy the pre-cut options in the produce department or take the time to cut and bag it yourself, you’re more likely to eat it if it’s readily and easily available. Have hummus, low-fat ranch or fruit dip on hand, too, if it’ll encourage you to eat up.

6. Keep them in sight, in mind. Just like you keep sweets out of sight to discourage incessant snacking, keeping fruits and veggies in sight will help you think of them as an option for eating. Stock a fruit bowl at work each week and keep a bowl on the kitchen counter at home so you’ll be more likely to eat it when you’re hungry.

7. Bar hop. Next time you’re blanking on a quick, easy place to grab lunch, head to the salad bar at a local grocery store. With an endless variety of vegetables, cut fruit and soups, it’s an easy way to make sure you get a meal rich in nutrients and fiber.

8. Start smart. Make it a habit to order a salad or vegetable-based soup when you’re out at restaurants. These fiber-rich starters may keep you from overeating when your meal comes, in addition to helping you add more vegetables into your day.

9. Bag it up. It may be more expensive to buy pre-chopped lettuce mixes, but they make whipping up a salads a breeze. Throw a few into your shopping cart so you can take salads to work for lunch or have dinner salads ready throughout the week. Just make sure your salad toppings are healthy ones!

10. Use the freezer. If you buy produce in bulk only to have it rot in your refrigerator before you get to it, start using your freezer more frequently (and check here for produce storage tips!). Have a stock of frozen fruits and veggies on hand at all times so you’ll always have them ready for smoothies and easy dinner sides.

11. Chop them up. If you have a hard time crunching into big vegetables, try slicing and dicing them into a more manageable size. Shred carrots and zucchini or finely dice onions, pepper and spinach to hide in pasta sauces, hamburger patties, omelets and casseroles.

12. Pack portable produce. If you’re a snacker who gets hungry when you’re out running errands or on the way home from work in the early evening, carry easy-to-eat fruit and vegetable items for snacking. Spinach and kiwi may not be convenient on the go, but baby carrots, chopped broccoli and celery sticks are great for munching anywhere, as are no-muss, no-fuss bananas, apples and grapes. Dried fruits like raisins and prunes are easy to have on hand for a quick snack, too.

13. Find the ones you love. While you should aim for a wide variety of fruits and vegetables in your diet, don’t hesitate to stick to the handful you love if you can only stomach a few. It won’t do you any good to buy the spinach you know you hate if it’s just going to sit in your crisper until it turns into goo. Buy your favorite fruits and vegetables and eat up, while allowing yourself to experiment with new options every now and then. You never know–you might find a new favorite!

The USDA and the Centers for Disease Control and Prevention both have calculators on their sites to help you calculate how many fruit and vegetable servings you should aim for each day. Everyone’s caloric and dietary needs are different and depend on age and activity level, so see what’s recommended for you and make that your new goal!


USDA’s MyPlate. ”Add More Vegetables to Your Day,” accessed November 2011. http://www.usda.gov.

Centers for Disease Control and Prevention. ”Nutrition for Everyone,” accessed November 2011. http://www.cdc.gov.

Original Post on SparkPeople.com

4 Reasons to Buy a Home This Winter!

4 Reasons to Buy a Home This Winter! | MyKCM

Here are four great reasons to consider buying a home today instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 7.0% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.7% over the next year.

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase 

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have hovered around 4%. Most experts predict that rates will rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac and the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way, you are Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that unless you are living with your parents rent-free, you are paying a mortgageeither yours or your landlord’s.

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

Are you ready to put your housing cost to work for you?

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer, or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

5 Ways to Love Your Body

Let Cupid Take Aim at You
  — By Carrie Myers Smith, Health & Exercise Expert

While many of us have an easy time showering other people with love, we find that Cupid has yet to hit us with the “body love” arrow. Don’t wait for Cupid! Begin today to start appreciating, accepting and yes, even loving your body.

Stop picking yourself apart
Let’s face it: No matter how close-to-perfection body you have (and just what is the perfect body anyway?), chances are, there is something you would change about it if you could. Even celebrities and models who have been stamped with the media’s “perfect body” rating have parts they dislike – their feet, their hands, their ears – and they don’t necessarily have high self-esteem either! Rather than pick your body apart, look at your body as a whole (and read the next point…)

Consider the marvelous functions of your body
There are millions of microscopic functions that go on in our bodies every day, and you don’t even have to think about them. They just happen! Unfortunately, it often takes a crisis or a tragedy, such as a brush with death, a go-around with a disease, or a debilitating accident for some women to realize that their bodies weren’t so bad to begin with and that their body hang-ups were a big waste of time. Don’t let that be the case with you! How much time are you spending each day worrying about your weight, your body shape, the size of your rear? What could you be doing during that time? Maybe you’re supposed to be the first female president, but you’ll never know because you’re too busy obsessing about your abs!

Get real
Did you know that most of the images you see on television, movies and magazines aren’t even real? A model for a magazine cover goes through hours of professional hair and make-up, has professional stylists, top photographers who know her “best side,” professional lighting, and that’s all before the chosen photo goes to a company where they remove stray hairs, wrinkles, blemishes and “extra” curves. Sometimes Model A’s head is stuck onto Model B’s body. What you see is totally made up!

And it’s not just fashion magazines that are creating a fantasy. Most of today’s “fitness” magazines are following suit. On top of airbrushing and computer generating their models, fitness magazines now need to audition their models to be sure they’re strong enough to just do basic exercises! Muscles are even airbrushed in! It’s time to get real! Find real role models who emanate the qualities you desire. Educate yourself about what really goes on “behind the scenes.” And realize that no one naturally “glows” the way those models in the magazines do!

Change your inner dialogue
It’s been said that we teach others how to treat us. If we believe that, the message that comes across to others is that we are not worth being liked, loved, or treated with respect. Most of it comes from what we’re not even saying. Choose to believe that you are worth taking care of and that you have the right to be respected and treated with dignity – and act like it!

Take care of your body
Diets, pills, quick-fixes, binging, not exercising, over-exercising, all these things disrespect one of the greatest gifts you have been given – your body! You only get one per lifetime, so give it the respect it deserves. You will not only feel better, but you just might become someone else’s role model!

Original Post on SparkPeople.com

The 5 Worst Things to Say to Someone Who Is Losing Weight

When someone in your life is in the process of losing weight, what should you do? Should you draw attention to the weight loss and applaud the person, or should you de-emphasize it and avoid talking about it? The knee-jerk reaction is often to compliment and praise people for how great they look and for all their hard work. But is hearing those things truly helpful?

As a registered dietitian nutritionist, I’ve worked with hundreds of people who have successfully shed pounds. To my surprise, many of them have related the same message: They don’t like it when people notice and talk about their weight loss. They don’t want to be complimented, praised or even have attention drawn to them. Instead of having every conversation revolve around their pants size, they want to talk about other things with their friends and loved ones.

For people on the sidelines wanting to show support and love, it can be hard to understand why someone wouldn’t want to hear words of encouragement. It can be challenging to put yourself in that position and understand how someone might misinterpret your well-intentioned comments.

There are people who love to get positive comments and feedback about their weight-loss progress. Not everyone is sensitive to words of encouragement, but it’s more common than you’d think to have a negative reaction.

Let’s dive into the top five things you probably shouldn’t say to someone who is losing weight.


This is problematic because it assumes they couldn’t possibly be happy with where they are now. Different people have different weights at which they are comfortable, so who are we to judge?


Foods that are high in fat or sugar are often vilified. A person who is actively losing weight might have it built into their plan to enjoy or indulge in those foods occasionally. The last thing you want to do as a support in their life is increase food anxiety or induce guilt about eating certain things. Trust them, and don’t critique their food choices.

3. “YOU LOOK SO MUCH BETTER THAN BEFORE.”This is clearly not the most helpful thing to say to someone, but it does occasionally slip out of our mouths. Avoid comparing their appearance from before and after. Chances are, they’re already doing enough of that in their own head. If they want your opinion, they can ask!


This statement conveys a lack of confidence in your loved one’s ability to maintain weight loss and could be very discouraging to hear. It’s disheartening even if you meant it as a joke.


This is the real kicker. People say this all the time and usually have nothing but good vibes they’re trying to send. This can be interpreted in many problematic ways, though. People often wonder what was wrong with them before or why everyone is noticing their body. This well-meaning statement can cause body-image issues to surface, which can — in the worst case — trigger an eating disorder.

I don’t think we should feel like we have to walk on eggshells around one another. I do think we can increase our awareness of others’ experiences and try to focus on people, not their bodies.

In a perfect world, we wouldn’t talk about each other’s weight at all; you never really know what someone is going through. Someone could be losing weight due to secretly dealing with a cancer diagnosis, they could be struggling with an eating disorder or they could be going through an extremely difficult time with their mental health. People you’re trying to support can sometimes equate your compliments about their weight loss as an indicator that there was something wrong with them when they weighed more.

Even when someone enjoys and appreciates hearing the positive feedback from people around them, there’s a chance of developing problematic eating behaviors as a result of the affirmation. A straightforward effort for weight loss can lead to obsession, restriction and disordered eating, triggered by compliments that are twisted into motivation for unhealthy behaviors.

If you notice someone in your life has lost weight, ask them how they’re genuinely doing. Compliment them on how happy and confident they seem. Draw attention to their strengths as a human being, and convey unconditional love and support. Avoid conversations about food, weight and body image unless someone reaches out to you asking for help and support with those issues.

Great 2 BR 2 Bath House In Bloomfield

Rob's World

Contact info:
Robert George | RTG Property Solutions LLC |609-474-0360
Great 2 BR 2 Bath House In Bloomfield
163 Jerome Place, Bloomfield, NJ 07003
Year Built: 1902
Sq Footage: 1568 sqft.
Bedrooms: 2 Beds
Bathrooms: 2 Bath
Floors: 2
Lot Size: 3875 Square Feet
Property Type: Single Family House
HUD House FHA Case #352-611686. FHA financing IE (Insured Escrow) 203K Eligible. Available to all bidders. Bids are accepted daily until a winner is selected. For property condition report, forms, disclosures, availability and to place a bid please visit http://www.hudhomestore.com. Buyer to verify all information.

Contact info:
Robert George
RTG Property Solutions LLC

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