date:Tuesday, March 1, 2011
time:11:00 AM to 2:00 PM
venue:Holiday Inn Edison East - Woodbridge
address:3050 Woodbridge Avenue, Edison, NJ 08837 Edison, NJ 08817
Meet face-to-face with top employers at the SomersetHires Job Fair! Attendance is free for job seekers! Register at www.SomersestHires.com and you will receive the company list and our online job fair guide. Free RESUME REVIEWS will be available at the event from our two local career experts. See you at the job fair!
Tuesday, March 1
11:00 AM to 2:00 PM
Holiday Inn Edison East - Woodbridge
3050 Woodbridge Avenue
Edison
Price: FREE
Phone: (877) 561-5627
Age Suitability: 18 and up
Monday, February 28, 2011
Thursday, February 17, 2011
4 Tips to Determine How Much Mortgage You Can Afford
Homeownership should make you feel safe and secure, and that includes financially. Be sure you can afford your home by calculating how much of a mortgage you can safely fit into your budget.
Instead of just taking out the biggest mortgage a lender qualifies you to borrow, consider how much you want to pay each month for housing based on your financial and personal goals.
Think ahead to major life events and consider how those might influence your budget. Do you want to return to school for an advanced degree? Will a new child add day care to your monthly expenses? Does a relative plan to eventually live with you and contribute to the mortgage?
Still not sure how much you can afford? You can use the same formulas that most lenders use, or try another of these traditional methods for estimating the amount of mortgage you can afford.
To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs.
The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment.
Here’s how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don’t top 41%, or $3,416 in our example.
Here’s an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership.
However, if you’re struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead.
Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly.
http://buyandsell.houselogic.com/articles/4-tips-determine-how-much-mortgage-you-can-afford/
Instead of just taking out the biggest mortgage a lender qualifies you to borrow, consider how much you want to pay each month for housing based on your financial and personal goals.
Think ahead to major life events and consider how those might influence your budget. Do you want to return to school for an advanced degree? Will a new child add day care to your monthly expenses? Does a relative plan to eventually live with you and contribute to the mortgage?
Still not sure how much you can afford? You can use the same formulas that most lenders use, or try another of these traditional methods for estimating the amount of mortgage you can afford.
1. The general rule of mortgage affordability
As a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000.To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs.
2. Factor in your downpayment
How much money do you have for a downpayment? The higher your downpayment, the lower your monthly payments will be. If you put down at least 20% of the home’s cost, you may not have to get private mortgage insurance, which costs hundreds each month. That leaves more money for your mortgage payment.The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment.
3. Consider your overall debt
Lenders generally follow the 28/41 rule. Your monthly mortgage payments covering your home loan principal, interest, taxes, and insurance shouldn’t total more than 28% of your gross annual income. Your overall monthly payments for your mortgage plus all your other bills, like car loans, utilities, and credit cards, shouldn’t exceed 41% of your gross annual income.Here’s how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don’t top 41%, or $3,416 in our example.
4. Use your rent as a mortgage guide
The tax benefits of homeownership generally allow you to afford a mortgage payment—including taxes and insurance—of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment.Here’s an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership.
However, if you’re struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead.
Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly.
http://buyandsell.houselogic.com/articles/4-tips-determine-how-much-mortgage-you-can-afford/
Monday, January 24, 2011
India Day receives warm welcome at the East Brunswick Public Library
By MARIA PRATO
STAFF WRITER
EAST BRUNSWICK — Women sauntered around the room in their shimmering, ethnic garbs, the aromatic scent of curry filled the air and it was standing room only as the East Brunswick Library hosted the fourth annual India Day Sunday.
More than 100 people packed the library's meeting room - all eyes on the front, where a perfectly paced assembly of presentations carried on throughout the three-hour event.
"We had a great turnout," said Manju Lulla, an event organizer and member of the Indian Cultural Society of East Brunswick. "It proves to us people are interested in our culture.''
The day's presentations consisted of dancers, a henna workshop, an audience quiz and demonstrations on wrapping a saree and cooking Indian cuisine.
"It's almost like a little slice of India here," said Reena Pawar, adding that she was pleasantly surprised at how well the event had turned out considering this was the Indian Cultural Society of East Brunswick's first year sponsoring it.
Among the many faces in the crowd were local and state officials, including Mayor David Stahl and Senator Barbara Buono, who not only sat front and center but even participated in portions of the program.
Stahl presented a proclamation declaring Jan. 26 India Day to honor the world's largest democracy becoming a sovereign republic on that date in 1950.
"I think there's so much talk about a return to civility,'' Sen. Buono said in her speech. "These are the kinds of events, we need more of."
Girls from the Tala Shruti School of Dance pounded their heels on the floor, telling a story with their hand gestures and movements in precise rhythm.
While each routine takes months to memorize, the students said it all seemed worth it to see so many in attendance.
"As dancers we want an audience,'" said Lakshmi Kalluri, 14, of Bridgewater. "We're motivated by it.'"
For Yuki Khona, who's of Indian descent, the day's festivities were a chance for her two young daughters to become more familiar with their culture.
"I brought my girls out to see this," Khona said. "I was raised in Japan and my husband was raised here. We're terrible with Indian history.'"
Overall, the crowd was a mix, many with Indian roots and some who were just there to take in the sights, sounds and smells.
"I think you learn to accept people better, once you get to know them," said Cathy Treat, an East Brunswick resident, who religiously attends the library's cultural events. "We're here to learn more...about their dances and their dresses...about everything."
http://eastbrunswick.injersey.com/2011/01/24/india-day-receives-warm-welcome-at-the-east-brunswick-public-library/
STAFF WRITER
EAST BRUNSWICK — Women sauntered around the room in their shimmering, ethnic garbs, the aromatic scent of curry filled the air and it was standing room only as the East Brunswick Library hosted the fourth annual India Day Sunday.
More than 100 people packed the library's meeting room - all eyes on the front, where a perfectly paced assembly of presentations carried on throughout the three-hour event.
"We had a great turnout," said Manju Lulla, an event organizer and member of the Indian Cultural Society of East Brunswick. "It proves to us people are interested in our culture.''
The day's presentations consisted of dancers, a henna workshop, an audience quiz and demonstrations on wrapping a saree and cooking Indian cuisine.
"It's almost like a little slice of India here," said Reena Pawar, adding that she was pleasantly surprised at how well the event had turned out considering this was the Indian Cultural Society of East Brunswick's first year sponsoring it.
Among the many faces in the crowd were local and state officials, including Mayor David Stahl and Senator Barbara Buono, who not only sat front and center but even participated in portions of the program.
Stahl presented a proclamation declaring Jan. 26 India Day to honor the world's largest democracy becoming a sovereign republic on that date in 1950.
"I think there's so much talk about a return to civility,'' Sen. Buono said in her speech. "These are the kinds of events, we need more of."
Girls from the Tala Shruti School of Dance pounded their heels on the floor, telling a story with their hand gestures and movements in precise rhythm.
While each routine takes months to memorize, the students said it all seemed worth it to see so many in attendance.
"As dancers we want an audience,'" said Lakshmi Kalluri, 14, of Bridgewater. "We're motivated by it.'"
For Yuki Khona, who's of Indian descent, the day's festivities were a chance for her two young daughters to become more familiar with their culture.
"I brought my girls out to see this," Khona said. "I was raised in Japan and my husband was raised here. We're terrible with Indian history.'"
Overall, the crowd was a mix, many with Indian roots and some who were just there to take in the sights, sounds and smells.
"I think you learn to accept people better, once you get to know them," said Cathy Treat, an East Brunswick resident, who religiously attends the library's cultural events. "We're here to learn more...about their dances and their dresses...about everything."
http://eastbrunswick.injersey.com/2011/01/24/india-day-receives-warm-welcome-at-the-east-brunswick-public-library/
Menlo Park Museum
The museum is currently closed for renovations and will re-open in Spring 2011. We encourage you to watch this website for updates.
Located within Edison State Park, the Center consists of the Art Deco Edison Memorial Tower and a small museum devoted to Thomas Alva Edison's time of immense creativity at Menlo Park. The museum, located at 37 Christie Street, Edison, New Jersey, is open:
Thursday - Saturday 10:00 AM - 4:00 PM
The non-profit Edison Memorial Tower Corporation (EMTC) invites you to both visit the museum and Tower and explore our website for the exciting plans to "reinvent" Menlo Park in order to better honor and interpret the site's tremendous historic significance. The reinvented Menlo Park, which will consist of a restored Tower, a newly constructed museum, outdoor interpretive exhibits, and a rejuvenated 36-acre Edison State Park, will provide an important cultural and civic amenity to Edison Township and the surrounding area.The Thomas Edison Center at Menlo Park and Edison State Park are jointly administered by the New Jersey Department of Environmental Protection's Division of Parks & Forestry; the Township of Edison; and the Edison Memorial Tower Corporation.
Tower Restoration
The surrounding community is justifiably proud of the history of Menlo Park, and they have commemorated it with several monuments, most notably in 1937 with an Art Deco memorial tower and in 1947 with a small museum.However, the Tower has deteriorated to the point where the concrete is crumbling, exposing the corroded reinforcing rods in its walls. It has been closed to the public for years and a chain link fence keeps would-be visitors at a distance to protect them from falling masonry. Preservation New Jersey has named it one of the state's top endangered sites.
By 2006 it was clear to the Edison Memorial Tower Corporation (EMTC) that something had to be done. The EMTC engaged Watson and Henry Associates, specialists in preservation architecture and engineering, to investigate the condition of the Tower and develop a plan for its restoration. The firm, which conducted its initial investigation into the Tower's condition in 1994, updated its findings in 2007 and concluded that the Tower is structurally sound, but water damage and cycles of thawing and freezing have damaged its façade. Watson and Henry's investigations and recommendations are being utilized in the current phase: development of construction documents for the restoration of the Tower.
Edison Gearing Up To Promote Tourism
Heritage tourism is one topic for which the township of Edison and its citizens should be proud. The Thomas Edison Center at Menlo Park, where Edison established the world'sfirst research and development laboratory, attracts more than 10,000 visitors annuallyfrom around the world.
We are currently conducting the museum's first-ever renovationproject and this summer will get underway with the first-ever restoration of the beautifulArt Deco Edison Memorial Tower. The non-profit Edison Memorial Tower Corporation(EMTC) will involve the public in educational programs and celebrations for both ofthese accomplishments.
Individuals who want to become involved are invited to contactthe EMTC at 732-494-4194 or info@menloparkmuseum.org as it will indeed be a year tocelebrate Edison (the man and the township).Nancy L. ZerbePresidentEdison Memorial Tower CorporationMemberNew Jersey Heritage Tourism Task ForceEDISON
http://www.mycentraljersey.com/article/20110124/OPINION02/101240318/Edison-gearing-up-to-promote-tourism
We are currently conducting the museum's first-ever renovationproject and this summer will get underway with the first-ever restoration of the beautifulArt Deco Edison Memorial Tower. The non-profit Edison Memorial Tower Corporation(EMTC) will involve the public in educational programs and celebrations for both ofthese accomplishments.
Individuals who want to become involved are invited to contactthe EMTC at 732-494-4194 or info@menloparkmuseum.org as it will indeed be a year tocelebrate Edison (the man and the township).Nancy L. ZerbePresidentEdison Memorial Tower CorporationMemberNew Jersey Heritage Tourism Task ForceEDISON
http://www.mycentraljersey.com/article/20110124/OPINION02/101240318/Edison-gearing-up-to-promote-tourism
Wednesday, January 5, 2011
Edison Current Events: 1/08/11
WATER! FROM THE RIVER TO THE SEA
date:Saturday, January 8, 2011time:8:00 PM
venue:State Theatre
address:15 Livingston Avenue New Brunswick, NJ 08901
Film Screening - William S. Burroughs: A Man Within
date:Saturday, January 8, 2011time:8:00 PM venue:Forum Theatre Company
address:314 Main Street Metuchen, NJ 08840
from:Forum Theatre Company
W/Special Guest: Director YONY LEYSER
Film Screening/Q&A
Hailed as the grandfather of punk and the godfather of the beat generation, Burroughs was a bartender, a private detective, a factory worker, an exterminator, a heroin addict, and a writer. His novel, Naked Lunch, one of the last books to be banned by the U.S. government, remains one of the most recognized literary works of the 20th century. William S. Burroughs: A Man Within is the first and only posthumous documentary about the legendary "Pope of Dope." Narrated by Peter Weller, who played a Burroughs-like character in David Cronenberg’s film version of Lunch, Leyser’s portrait of the formidable proto-Beat author is a kind of genealogy of hip that connects Burroughs with many currents of America’s outlaw cultural tradition. He was a close friend and sometime lover of Allen Ginsberg, an idol of the Clash, the Dead Kennedys, Iggy Pop, and Sonic Youth. Featuring never before seen footage of Burroughs and exclusive interviews with John Waters (who calls him "a religious figure"), Patti Smith (who recalls having a crush on him), Gus Van Sant, Laurie Anderson, Amiri Baraka, Jello Biafra, and David Cronenberg, with a soundtrack by Patti Smith and Sonic Youth, Leyser’s intimate documentary delves into the troubled and fascinating world of one of the greatest authors of our time.
http://www.americantowns.com/nj/edison/events
Edison Current Events: 1/07/11
date:Friday, January 7, 2011
time:8:30 AM to 10:30 AM
venue:Hilton Garden Inn Edison/Raritan Center
address:50 Raritan Center Parkway Edison, NJ 08837
from:Edison Chamber Of Commerce
Session One: Social Media Marketing Made Simple.
Session Two: A special Power of Email Marketing... with a demo on social media marketing features.
date:Friday, January 7, 2011
time:10:30 AM to 11:00 AM
venue:Edison Public Library
address:340 Plainfield Avenue Edison, NJ 08817
from:Edison Public Library
Join us for songs, stories and activities designed to stimulate your child. This is a drop-in program with limited space so please arrive early. Open to: 9 - 23 months with parent (Sorry no siblings)
No Registration Required.
Upcoming Sessions: Jan.21st
http://www.americantowns.com/nj/edison/events
time:8:30 AM to 10:30 AM
venue:Hilton Garden Inn Edison/Raritan Center
address:50 Raritan Center Parkway Edison, NJ 08837
from:Edison Chamber Of Commerce
Session One: Social Media Marketing Made Simple.
Session Two: A special Power of Email Marketing... with a demo on social media marketing features.
date:Friday, January 7, 2011
time:10:30 AM to 11:00 AM
venue:Edison Public Library
address:340 Plainfield Avenue Edison, NJ 08817
from:Edison Public Library
Join us for songs, stories and activities designed to stimulate your child. This is a drop-in program with limited space so please arrive early. Open to: 9 - 23 months with parent (Sorry no siblings)
No Registration Required.
Upcoming Sessions: Jan.21st
http://www.americantowns.com/nj/edison/events
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