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Garland & Mason, L.L.C.
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What Kind of Mortgage Should I Choose?: Taking out a mortgage is a serious commitment, and choosing the right one for your financial situation could be the key to a happy future. If you have found the home you want and have the finances to start making payments on it, ask yourself these questions when considering a mortgage. What Kind of Mortgage Lender Should You Choose? Mortgage broker: A mortgage broker networks with multiple mortgage lenders to find you the most convenient price and terms. The broker will often get a price that is better than if you went to the lender on your own, but will also charge you a fee. Wholesale lenders: These are banks or other financial entities that have the money to give out, but have a retailer interact directly with the customers to complete the deal. Portfolio lenders: This type of mortgage lender has their own money and can set their own... Read More » The post What Kind of Mortgage Should I Choose? appeared first on Garland & Mason, L.L.C.. http://bit.ly/2q9mhNW #RealEstate #Mortgages

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This article highlights 3 common real estate traps to avoid. Don’t let yourself be scammed when financing your home, do some research before taking out a loan. http://dlvr.it/PBPrMT

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How to Set Up an LLC in New Jersey: Setting up a business in the United States is relatively easy by international standards: a Business Insider poll ranked the US number 11 in ease of starting a business amongst developed nations. Although this is relatively high on the list, there are still many permits and bureaucratic loopholes you need to jump through to start a business in this country. Below is a list of several of the things you will need to start a business in New Jersey. 8 Steps to Set Up an LLC in New Jersey Name: If you are starting an LLC, you need to include LLC or L.L.C. in your name. Some words require additional paperwork such as: bank, doctor, or engineer. Words that will confuse your business with a federal agency are restricted. You can do a name search online to see if your name and URL hasn’t already been taken. Registered Agent: You... Read More » The post How to Set Up an LLC in New Jersey appeared first on Garland & Mason, L.L.C.. http://bit.ly/2pUvcSU #BusinessFormationPlanning #SmallBusiness

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Should You Take on Student Loan Debt for Your Children?: As tuition prices rise, so does the desire for parents to take on student loans for their children. It is understandable why a parent would want to put themselves into debt to help out their beloved children. However, student debt is at record high levels and recent reports of bad student loan practices against the loan provider Navient have left many people wondering if they should have ever taken out a loan at all. According to a recent survey by Student Loan Hero, 55% of parents have over $40,000 in student debt, often taken out of their retirement funds. This can have a lasting impact on some of these parents for the rest of their lives. Should Your Child Pay for Their Own Education? Although letting your child take on debt for college can seem intimidating, letting them pave their own way for schooling could be a great learning experience... Read More » The post Should You Take on Student Loan Debt for Your Children? appeared first on Garland & Mason, L.L.C.. http://bit.ly/2r9i6Fp #Bankruptcy #StudentDebt

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National Small Business Week Is This Week! Learn More About Helping Your Business Community: April 30th – May 5th is National Small Business Week. Started in 1963, this week brings attention to the importance of small business in our country which account for more than 95 percent of all the business here. Small business is vital to our country’s economy and enriching our local communities. Despite how important they are, small businesses are often victimized by bureaucratic regulations and face intense competition from corporate chains. Let’s take a minute to appreciate small businesses and their owners, and talk about some ways for small businesses to stand tough in this environment. How to Help Your Small Business and the Community Chambers of Commerce: Joining local chamber of commerce can help you stay informed on serious issues affecting your business community, bring your business more customers, and help you network with fellow business owners. Local politics: Local politicians will often be the ones making decisions that... Read More » The post National Small Business Week Is This Week! Learn More About Helping Your Business Community appeared first on Garland & Mason, L.L.C.. http://bit.ly/2qrz9CC #Business #Monmouthcounty #SmallBusiness

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Consumer debt is getting out of control. Bankruptcy may be the best option for many. http://dlvr.it/P5wV8K

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Consumer Protections Could Be Lessening: Watch Out for Unfair Lending Practices: There are actions being taken in Congress right now to lessen the strength of agencies designed to keep consumers safe from unfair practices, such as the Consumer Financial Protection Bureau (CFPB). Some politicians criticize these agencies, claiming that they are harming businesses that are just trying to operate as they have been. In a country ravaged by unfair lending practices and student debt, consumers need to be very careful when engaging in transactions with these companies. Another target is the Dodd-Frank wall street reform passed in 2010, following the great recession. This rule strengthened regulation on financial industries and lending practices. Unfair lending tactics can be illegal, and learning what they are can help you find out if you are being victimized. Watch Out for These Unfair Lending Practices Loan flipping: This practice occurs when borrowers are convinced to refinance their mortgage with the promise of more money coming back... Read More » The post Consumer Protections Could Be Lessening: Watch Out for Unfair Lending Practices appeared first on Garland & Mason, L.L.C.. http://bit.ly/2qSYotD #ConsumerProtection #BadLoans #Monmouthcounty

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Good news for property owners! New Jersey Lt. Governor trying to help cap property taxes. http://dlvr.it/P47qxg

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Small Business Owners: Joining a Local Chamber of Commerce Could Help Your Business: Chambers of Commerce are local committees of business owners who get together and discuss common issues they experience when doing business in their neighborhoods. Business owners are extremely busy, and may not see the reason why chambers of commerce may be beneficial. However, issues that you may think are exclusive to you, are probably being experienced by many local business owners in your neighborhood who may have already joined a chamber of commerce. The business landscape constantly changes, and talking to other business owners about how they are coping with new laws and policy changes can help you sort out issues and come up with great new ideas. Below are some benefits of joining a chamber of commerce for businesses. Benefits of Joining a Local Chamber of Commerce Networking: Being a member of a local chamber of commerce will allow you to network with business owners in your profession and... Read More » The post Small Business Owners: Joining a Local Chamber of Commerce Could Help Your Business appeared first on Garland & Mason, L.L.C.. http://bit.ly/2qFswbN #Business #LocalBusiness #Monmouthcounty

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Tips for Knowing If You’re Ready to Buy Your First Home: Buying your first home is an extremely important decision in life for many reasons. Homes are not cheap, and they are continuing to rise in price. For most Americans, purchasing a home means taking on a lot of mortgage debt. Choosing a home that is worth all this money, time, and commitment is no easy task. There are many things to ask yourself in preparation for taking this on. Are You Ready to Buy a Home? What do your finances look like? Make sure you can handle the payment of inspection fees for your home, the down payment and settlement charges, not to mention the coming mortgage payments. Do you know and like the neighborhood? Picking a neighborhood that you are familiar with and like is very important. You want to be safe and have access to the things you want. Get to know the school districts in the area... Read More » The post Tips for Knowing If You’re Ready to Buy Your First Home appeared first on Garland & Mason, L.L.C.. http://bit.ly/2qwmU3L #RealEstate #HomeOwner
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