Anil Aggarwal Ranked as Top Performer Gold Elite Member, in nationwide company sales, as part of the Vylla Elite Performers Club

Anil Aggarwal Ranked as Top Performer Gold Elite Member, in nationwide company sales, as part of the Vylla Elite Performers Club


Posted on January 17, 2020 at 6:43 am
Anil Aggarwal | Posted in About Anil Aggarwal, About Vylla | Tagged

An Organizational Update from Vylla Home

An Organizational Update from Vylla Home
Chad Ruggles, who has been leading our Vylla Home sales team as Senior Vice President, will now oversee sales and operations for all of Vylla Home. Chad started his career with Carrington in 2014 on the mortgage side of the business and moved over to Vylla in 2018 where’s he’s helped manage the rebrand and transition from Carrington Real Estate Services to what is today Vylla Home. As part of Vylla, Chad has shared his expertise, strategic direction and motivation to every aspect of the business.

As part of this update, Julie Beamish, Vice President of Operations for Vylla Home, will report to Chad and will continue to lead all aspects of the operational organization. Her role encompasses all of Vylla Home’s back office operations, institutional client business, vendor management, marketing, data and training. Julie has been part of the Carrington and Vylla family since 2007 and lends her deep real estate expertise, precise operational efficiency, and team building talents to Vylla Home.

Additionally, EJ Rogers will take on the role of Director of Sales Optimization and report to Chad Ruggles. EJ is now tasked with setting the strategy for Vylla Home sales optimization initiatives, designing requirements for sales productivity tools and continuously improving revenue-generating processes. He will also identify opportunities to unlock hidden productivity within the organization and drive successful outcomes of strategic efficiency initiatives.

Rounding out Chad’s direct reports are Divisional Finance Officer Keegan Selby, and Regional Vice Presidents of Sales, Ashley Rasmussen and Dustin Hall.

Vylla Home plays an integral role within the family of Carrington Companies and we look forward to continued success.

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Posted on January 17, 2020 at 1:27 am
Anil Aggarwal | Posted in About Vylla | Tagged

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Posted on January 11, 2020 at 5:04 am
Anil Aggarwal | Posted in Buyers, Buying first home |

THE ESTATE VISA® PREPAID CARD Property Tax savings programme from South Plainfield

I sold one flip project in #southplainfield ..Please see pictures of project https://photos.app.goo.gl/fiv7TDTenww7FvYE9

THE ESTATE VISA® PREPAID CARD

THE ESTATE VISA® PREPAID CARD

While going over paper, surprised to see new, unique money saving programme from south plainfield mayor.
Its a AN EXCLUSIVE CARD FOR PROPERTY OWNERS
Use the card for your everyday spending and simultaneously reduce your property tax! On every dollar you spend, a percentage is earned as a reward paid towards your property tax. The more you spend, the less you owe!1

Flippurchase
Private group · 1 member
 

Join Group

 

Flip Purchase is open to all, who want to learn, guide, advise or do flips in real estate

Posted on January 9, 2020 at 9:41 pm
Anil Aggarwal | Posted in Buyers, Credit, Finance | Tagged

Why it is better to buy a home  instead of renting one!

Why it is better to buy a home  instead of renting one!

Listed here are 3 major reasons why you should consider buying a home…

  1. Cost:
    Buying a home is actually less expensive than renting!  Renting a home for $2,000/mo for 5 years is $2,000/mo x 5 years x 12 months/year = $120,000 But buying a home for the same $2,000/mo for 5 years is less than $120,000!
  2. When you buy a home the government gives you a tax deduction for the mortgage interest that you pay.Lets just assume that your tax deduction equals only $8,000/year. That means you get $8000/mo x 5 years =$40,000.That means you can get $40,000 cash when you buy your home over the next 5 years. So you will pay $120,000 towards housing payments over the next 5 years but if you own a home you will get $40,000 cash back. This means you only spend $80,000 for housing over the same 5 years which is only $1333/month!
  3. Equity:The owner of the home is entitled to the equity in the home. Equity is the difference between how much the house is worth and how much you owe. (If a house is worth $200,000 and you owe $150,000 then the equity is $50,000.) If you are renting then the landlord is the owner and they get to keep the equity in the home.

  4. When you buy a home you have a mortgage payment each month. Generally, each payment has a principle amount, an interest amount, property taxes and hazard insurance. The principle amount of the payment reduces the amount that you owe on the property.
  5. Every time there is a repair on the home, if done correctly, that repair can increase the value of your home because it will be worth more. If you upgrade old windows, replace the shingles on the roof or remodel the kitchen, that will make your home worth more money. When you own a home you have to pay for these repairs. When you rent, the landlord must pay for these repairs but they don’t mind because it makes the home worth more money!
  6. Making regular payments on a home mortgage will increase your credit score. Better credit means better financing for your next home purchase, a refinance of the first home and for a vehicle purchase or any other credit purchases saving you thousands of dollars in interest over the years to come.
  7. With interest rates dropping below 3.5% (30 year fixed rate as of 10/30/19) you could $15000 for every 1% interest you save , in span of 30 years, in loan of $300k. Check here for more details.
  8. Requirements:The qualifications for buying a home are nearly the same qualifications for renting a home. You need to have okay credit, a deposit and a decent job.If you have a credit score of 580 (or better) then you can qualify for a FHA loan. A 580 FICO score is not considered good credit and may even be low enough to prevent you from renting. But it is a good enough credit score to buy a small home. If you have better credit then you can qualify for better interest rates with other types of loans.
  9. The deposit for a house purchase with an FHA loan is 3 % of the purchase price. This amount is nearly the same as first & last months rent and a security deposit. One of the little known bonuses for buying a house is that you essentially get the first month FREE! The reason is because the homes mortgage interest is charged at the end of the month while rent is charged at the beginning of each month.

  10. Having a decent job is essential for qualifying for any type of housing. Generally you need to have been in the same line of work for the previous 2 years to show stability in employment. You also need to be making at least 3-4 times your payment on a monthly basis

Article published by Anil Aggarwal Realtor who sells real estate in New Jersey as Vylla Home Agent.


Posted on October 31, 2019 at 6:24 am
Anil Aggarwal | Posted in Buying first home | Tagged

How Much Does a 1% Interest Rate Drop Save on a 15-Year or 30 year Fixed Mortgage?

Getting the best possible interest rate on your mortgage can ultimately save you thousands of dollars. Knowing how different interest rates affect your monthly payment can prove an invaluable tool when making a decision, whether you are seeking a new mortgage or refinancing an existing one.

Tip> 1% interest rate drop could save you whopping $60,276.16 in $300000 loan in 30 years . Check your at our calculator http://njfind.com/financial-calculators

Mortgages and Interest Rates

When you purchase a 15-year fixed-rate or 30 year fixed rate mortgage, the interest rate will stay the same for the entire life of the loan. Your monthly payment is based on the interest rate you negotiate with your lender and is structured to pay off your mortgage by the end of the 15-year period or 30 year period resp. 15 year is typically the shortest fixed-rate period offered by lenders and will allow you to pay off your mortgage faster and pay less interest than with a longer term loan. However, the shorter term means your monthly payment will be higher, so consider whether you can afford it. Also when you take 30 year fixed, you are stretching your dollar which is depreciating in years or what dollar can buy today, will be lot less in 30 years.

So as per calculator,

loan amount in $ Interest % # of years Monthly Payment: Number of Payments: Total Payments: Total Interest: saving
per month saving
300000 4 30 $1,432.25 360 $515,608.52 $215,608.52 0 0
300000 3 30 $1,264.81 360 $455,332.36 $155,332.36 $60,276.16 $167.43
300000 4 15 $2,219.06 180 $399,431.48 $99,431.48 0 0
300000 3 15 $2,071.74 180 $372,914.09 $72,914.09 $26,517.39 $147.32
This table made by Anil Aggarwal using Financial Calculator provided free at his website :http://njfind.com/financial-calculators

Posted on October 31, 2019 at 3:15 am
Anil Aggarwal | Posted in financial calculator, Seller Tools | Tagged

Home values have more than doubled in the New Jersey since 1970

As per Article in Business Insider https://www.businessinsider.com/home-value-home-price-change-in-50-years-every-state-2018-12

home value increased in new jersey have increased or doubled in New Jersey since 1970.

As per US Census Bureau, which provides a table showing median home values from previous decades in each state and the District of Columbia. We compared the median home value in 1970, adjusted for inflation to 2017 dollars using the Consumer Price Index, to the median home value in 2017, according to the Census Bureau’s American Community Survey, and calculated the percentage change.

Note that median means that half of the homes are valued above that number and half below. This data technically covers the past 47 years, but as the US Census Bureau’s table provided information on a decade basis, it’s the closest information available to the past 50 years.

In 1970, the national median home value adjusted for inflation was $107,291; in 2017, it’s $217,600 — that’s a 103% increase. In fact, more than half of all US States (including Washington, DC) have seen a median home value increase of more than 100%.”

In New Jersey Cost of a home in 1970: $147,683 v/s Cost of a home in 2017: $334,900. This means its Percentage change from 1970 to 2017: 127% or price almost more than doubled. 

Imagine if you or your parents renting than what they lost? They lost equity, tax refund, appreciation credit (see example above) , and most important, home.. that yours with your memories.


Posted on October 31, 2019 at 2:35 am
Anil Aggarwal | Posted in Generation Z | Tagged

Hot Chilies Entertainment Rajni Chatta and Vylla Home Anil Aggarwal Presents 2020 New Year Eve Party in Pearl Banquet Parsipanny NJ Tue, Dec 31, 8:00 pm Utsav International Present New Year Eve Party in Hotel Executive Suites, Carteret New Jersey


Posted on October 28, 2019 at 5:05 am
Anil Aggarwal | Posted in New Year Eve Party 2020 | Tagged

Hot Chilies Entertainment Rajni Chatta and Vylla Home Anil Aggarwal Presents 2020 New Year Eve Party in Pearl Banquet Parsipanny NJ


Posted on October 28, 2019 at 4:48 am
Anil Aggarwal | Posted in Events, New Year Eve Party 2020 | Tagged

Why its make sense to Go solar: top 10 benefits of solar energy

There are many reasons why homeowners go solar, but improving the environment and cutting energy costs are the most common. Many people are aware that solar is a great home efficiency upgrade and are eager to reduce their carbon footprint while also improving property value.

Whether your motivations for going solar are economic, environmental, or personal, this sizable list of solar power benefits will have something for everyone. Here are the top ten reasons why solar energy is good for your home and more popular than ever in the United States.

1. Drastically reduce or even eliminate your electric bills

Whether you’re a homeowner, business, or nonprofit, electricity costs can make up a large portion of your monthly expenses. With a solar panel system, you’ll generate free power for your system’s entire 25+ year lifecycle. Even if you don’t produce 100 percent of the energy you consume, solar will reduce your utility bills and you’ll still save a lot of money.

2. Earn a great return on your investment
Solar panels aren’t an expense – they’re one of the best ways to invest, with returns rivaling those of more traditional investments like stocks and bonds. Thanks to substantial electricity bill savings, the average American homeowner pays off their solar panel system in seven to eight years and sees an ROI of 20 percent or more.

3. Protect against rising energy costs
One of the most clear cut benefits of solar panels is the ability to hedge utility prices. In the past ten years, residential electricity prices have gone up by an average of three percent annually. By investing in a solar energy system now, you can fix your electricity rate and protect against unpredictable increases in electricity costs. If you’re a business or homeowner with fluctuating cash flow, going solar also helps you better forecast and manage your expenses.

4. Increase your property value
Multiple studies have found that homes equipped with solar energy systems have higher property values and sell more quickly than non-solar homes. Appraisers are increasingly taking solar installations into consideration as they value homes at the time of a sale, and as home buyers become more educated about solar, demand for properties equipped with solar panel systems will continue to grow.

5. Boost U.S. energy independence
The sun is a near-infinite source o

f energy and a key component of achieving energy independence in the United States. By increasing our capacity to generate electricity from the sun, we can also insulate our country from price fluctuations in global energy markets.

6.

Create jobs and help your local economy
According to The Solar Foundation, the solar industry adds jobs many times faster than the overall U.S. economy. This growth is expected to continue. Because solar-related jobs tend to be higher paying and cannot be outsourced, they are a significant contributor to the U.S. economy.

7. Protect the environment
Solar is a great way to reduce your carbon footprint. Buildings are responsible for 38 percent of all carbon emissions in the U.S., and going solar can significantly decrease that number. A typical residential solar panel system will eliminate three to four tons of carbon emissions each year—the equivalent of planting over 100 trees annually.

8. Demonstrate your commitment to sustainability
Sustainability and corporate social responsibility are important components of an organization’s culture and values. They also produce bottom line results. Increasingly, consumers and communities are recognizing and rewarding businesses that choose to operate responsibly. Businesses are finding that “green” credentials are a powerful driver of consumer purchasing decisions, creating goodwill and improving business results.

9. Increase employee morale
Just like consumers, employees have a demonstrated appreciation for their employers’ commitment to operating responsibility. Employees share in the success and contributions of their organizations. Companies that care about their community and environment tend to have lower turnover rates, more engaged employees, and higher levels of morale.

10. Stay competitive
Companies quickly are realizing the social and economic benefits of adopting solar power. As early adopters pull ahead of the competition, many companies are exploring solar power as a way to keep up.

Sign up if you are Buying




Posted on October 23, 2019 at 3:46 pm
Anil Aggarwal | Posted in Buyers | Tagged