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Enter into His Rest!

Enter into His Rest!

Do you know real rest?  How can you find it?  The world seems to keep spinning and new pressures face us each day.  Everyone is yoked to someone or something.  Relationships, jobs, and vices can be yokes that tire us out.

So how can you find complete rest?  True rest is found only in Christ Jesus.   The Bible is the inspired word of God and here is what it says in the book of Matthew 11 verses 27 - 30.  Let us turn to Jesus and remember His Words:

27All things are delivered unto me of my Father: and no man knoweth the Son, but the Father; neither knoweth any man the Father, save the Son, and he to whomsoever the Son will reveal him.
28Come unto me, all ye that labour and are heavy laden, and I will give you rest.
29Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls.
30For my yoke is easy, and my burden is light.


If you are looking for find real rest or peace, you can find peace by reading God’s Word.   Let us turn to God, our Saviour, and enter into His rest.

Do you want to know more about rest or peace that passes all understanding?  Then visit these websites: and

Everyone needs the Lord!

Rent Verses Buy?

The decision to rent or buy is not one to take lightly. Today’s marketplace presents many challenges and making the wrong decision could cost you a lot of money and frustration!

The first step is to consider several questions:

How long do I intend to live in the area?

How steady is my income, job or retirement income?

What type of events could change my income level?

Do I have the necessary qualifications to obtain a mortgage?

How stable is the housing market?

What will it cost me monthly or annually to own verses rent?

Can I afford the property maintenance and upgrades, tax and utility increases associated with home ownership?

Many people jump into buying a property before they thoroughly think about these questions and have had major regrets. The economy is always changing and much money can be lost if you do not carefully plan for the ups and downs in the market.

In the past, generation after generation, the market usually increased in value, but now taxes and expenses have skyrocketed and incomes have lagged behind. As Folks get busier and busier, they have less time to maintain the interior and exteriors of their properties. So taking time to evaluate whether to buy or rent is important!

Finally, you should always look at the economic costs and determine if home maintenance and association fees are affordable for you. Sometimes, renting can be your best option.

Either way, buyers and renters beware!  Check out neighborhoods, review the responsiveness of each landlord, and carefully review the condition of the property. Make sure you are doing business with a reputable real estate agent or landlord.Before you look, develop a budget and checklist of what things are important to you! And look into crime issues, noise issues, parking issues and proximity to the services you need  Trust you instincts and get the adviser you need that understands your special requirements.

Senior Housing Choices

As one thinks about how to maximize and enjoy his or her retirement years, it is important to plan for your future housing needs.  Depending on your age, health and finances, choosing the right home or apartment can add years to your life and make life more enjoyable.   

The kind of home or apartment that best suits your needs depends on how active a lifestyle you live.  Do you want to maintain a single family home, townhouse or rent an apartment?  If so, what size?  When making your choice, think about how much upkeep will be required and what expenses you will incur.  

Is a townhouse, community home, apartment or assisted care facility best for you?  Is a warm weather environment better for you?  Do you have family members nearby?  Do you want to maintain your own independence?   Are shopping, banking, hospitals and other services closeby?  These are just some of the questions you need to ask yourself.

To begin the process, focus on your future needs and begin by downsizing and simplifying your life.  As we become older, we soon realize material things takes on less importance and our needs change, too. As you plan for your future, think about what is most important to you, and what will satisfy your needs and desires.  Plan well in advance and start the process early by getting rid of the things you no longer need so that your final move will be easier for you. 

Call on us if you need help and assistance! 

Do You need an agent?

Hiring an agent will speed up the process whether you are buying or selling a home.  Professional full time agents have a lot to offer.  They are familiar with the market, home inspectors, lending rules and much more! 

A good agent will look out for your interest, explain market value, point out property upgrades, review and assist with property disclosures, and help you prepare and negotiate your offer.  While not all transactions are easy, an experienced agent is familiar with all aspects of buying and selling and he or she knows how to handle each situation.  Agents know how to handle buyer and seller concerns and can help bring a transaction to completion.  

What’s the agent’s most important role?  It is to educate you, counsel you and provide important market information such as info about schools, flood plains, evironmental concerns, neighborhood analysis, tax and utility bills, and obvious repairs.  An agent who does his or her job properly will help you avoid costly mistakes.  We hope you will call us when you are ready to make your next purchase or decide to sell your property.  We will be glad to give you our wise counsel and save you time and money.  Our focus on helping you!

Buyer Beware!

Buying a property?  Here are a few questions you should ask yourself:  Will the property be a good investment?  How much are the taxes, insurance and maintenance?  Will the property require much updating?  Are there any mold, water or drainage issues?  Fracking nearby?

Few properties are good investments these days!  Taxes, water bills and maintenance have skyrocketed.  So for some people renting may be a better alternative.  What should you invest in?  Noone seems to know these days.  The economy is unstable and here we go with another election year.  What will be the outcome?

My advice:  Devise your own plan that motivates you!  Think it through!  Make wise choices!  Where will you be two or three years from now?  Where should you put your money?  Should you get a roommate?  Many ideas, but the one who prays will see the picture more clearly.  Need help?  Call on me and I will provide some answers.  We love to help you!  Best wishes in 2012!

The Holy Spirit in us!

The Bible proclaims that he who has faith in God will receive citizenship in Heaven.  This profound truth is found in the book of Philippians 3:20.  Those who have no spiritual connection with God will perish.  God makes promises (found in the Bible) and keeps them.  His Gospel is hid in the human heart.  God cannot lie, His word is immutable and we can take refuge in Him.  The Bible says this hope is the anchor of the soul.  (Read Hebrews 6:18-19)
God exists and His Spirit provides living proof to us who believe.  Christmas is not about the presents (materialism), but about God’s humble Son who was sent forth for the propitiation of our sin. Many people may not have experiences the power of the Holy Spirit.  Are you acquainted with the Holy Spirit?  How do you know?
Christ came for everyone but not all received Him.  See Romans chapter 10 for more about those who reject God.  Many folks have not experienced the fullness of what God offers us -  a new life, an everlasting spirit-filled life.  This takes place the moment we truly believe and place out trust in God.  At that moment, we get filled with His Spirit (the Bible says sealed - Ephesians 1:13).   We don’t experience the (Holy) Spirit until we repent and surrender to God.  

Jesus said (as is recorded in the book of John):  I am the way, the truth and the life and no one comes to the Father except by me!  I can confidently say there is no other way to God except through Jesus Christ or God’s word would not be true!  Christ is the Messiah and He will be returning again.
Letting go, and fully surrendering to God and receiving the Holy Spirit is what connects us to have a relationship with God.  Are we carnal, livng in the flesh?  Or do we have the Holy Spirit in us?   We find truth by seeking truth.   And we can begin to understand truth as we become a new person in Christ.
Romans 12:1-2  says not to be conformed to this world….that is not to live a worldly life.  The world cannot offer you what God has to offer you.  God offers us eternal life.  Satan offers you a different plan and your soul is invited.  But we must protect ourself by putting on the full armor of God.  Ephesians 6:10-17
So why would God allow anyone to suffer, to go through trials and tribulations?  (see the book of James for the answer)  The Bible says we can expect to suffer, and as we do, we come to appreciate what our Lord went through.  It is often through suffering that we better understand life’s meaning and find our own purpose in life. 

To perish means we choose not to put our faith in God.  Putting your faith in Christ is a wise decision.  Jesus’ going to the Cross was for everyone.  As we are transformed, our friends, interests and passions will change.  Are ye in Christ?
I wish you the Happiest of Holidays.  Take a step of faith and believe in Jesus and see what God has in store for you!  Peace be with you.

Merry Christmas!

As we fast approach Christmas this year, think back about 2011.  What a year!  The flood of September affected many people in NY.  Yes, we still face many of the same problems:  Broken relationships, healthcare issues, finance issues and many other issues affect all of us, but God is still there performing miracles. Aren’t you glad?

Christmas is a time whereby we can gather around and give thanks to our Lord.  His birth is significant and His ministy is everlasting!  As we think about Christmas, let us focus on Christ and what He came to do for everyone !  He came to take away our sin and offer us eternal life with Him.  His ministry on earth was loving, humble and unselfish.  He made the world, transformed the world and He oversees the world today.  O What a God!  Aren’t you glad you have rest in Him?  

As you reflect on the birth of the Lord Jesus, remember His kindness and spread peace and goodwill towards others.  Christ is our Saviour and His love is neverending.  Let us praise and worship Him and let our hearts be transformed as we focus on His Lordship this Christmas! 

May all of our hearts be made merry as we celebrate the birth of Christ this Christmas.  Do something nice for others, give someone a hug, encourage them, help them and love them as Christ first loved you.  Love can heal more hearts, so share God’s love with others!

Why Put God First?

Why do we need to put God first in our life?  Because God has given us everything under the sun including our next breath.  God is preeminent, above all.  We should do all we can to glorify God, not self.  The Bible says do not store up your treasure on earth for your rewards will be Heaven!  Proverbs 16:3 says:  Commit your works to the LORD and your thoughts will be established.  Have you tried this?

Proverbs 16:9 says:  A man’s heart plans his way but the LORD directs his steps.  If you haven’t put your trust in the Lord yet, then I urge you to do so.  God is overall, His creation of the universe and all matter demonstrates His might, power and glory!  He wants us to worship and give praise to Him.  He wants us to seek Him with our heart, mind and all our strength. 

If you are reading this and don’t believe in God, or you haven’t put your faith and trust in Him, then you are missing out on the blessings that God wishes to give you.  You are His workmanship, created for Him.  See the book of Ephesians for more about your true identity and why you are here.  Find your ultimate purpose in life by reading Romans 12:1-2. 

God breathes life into all of us and He offers us eternal life.  He has given us certain spiritual gifts and wants us to use those gifts according to His will.  He showers us with His love and He commands us to love one another and to seek Him first, above everything else.  Reading the Bible daily helps us get a better understanding of God’s true nature and helps us live a God centered life.  He is our shield and strength!  Live your life for God in ways that will please Him.

Your eternal destiny is dependent on the relationship you establish with God.  Your life’s purpose is learned during time of suffering, is specific, involve others, is gradually unveiled, and is the legacy you will leave behind to help others.  Understanding the purpose of your life can be found in the book of Colossians.  Colossians 1:16  All things were created through Him and for Him.

As a follower of Jesus Christ, I wish to share the greatest message with you.  Jesus Christ, the Son of God, died for you and me!  He died to take away the sin for all, not just one person, but all!  When we understand this sacrifice, we renew our relationship with God, our heavenly Father, and we come to appreciate God in a born again way!  Receive Christ in your heart and move forward with your life.  Do not be discouraged by the father of all lies, the devil, for Satan could not overcome the love that God has for all His children.  God loves you, no matter what you have done, no matter how terrible your past may be! 
Come to God and ask Him to forgive your sin.

His Grace is sufficient for all of us!  Let your heart be transformed by the love of God. 

If you need prayer, please do not hesitate to call me.  I will pray for you and your situation.  God loves all of us no matter what we have done and He is always willing to forgive our sin.  Come to God and experience His love and tender mercy towards you!  Begin living a life in obedience to God.

May your Holidays be blessed and your family’s too.  Find joy in life, life eternal with God!

Defining Your Needs!

When purchasing a home, acreage or commercial property it is important to determine your specific needs.  One should determine if you need to sell an existing property first.   How much money are you looking to spend?  Can you obtain the necessary financing?

Other questions to consider:  What will be the development or renovation costs?  Will the property fit your needs such as amount of interior space, handicap accessible, parking, lot size and room sizes.  Is the location desirable?  It is near an airport, hospital and major highways?   Is it located in a suburban,  urban or country setting?  Do you want a loft, townhouse, multi-family, or single family home?  How much are the future carrying costs such as taxes, utilities and mortgage payment?  Is the property in a floodplain or will hurricane or special insurance be required?

Working with an experienced agent who knows the market can be a real plus!  Make sure the agent understands your needs and can advise you properly about pricing and  will work efficiently on your behalf!

Have a question?  Email us and put the pros to work for you!


Buying and Selling real estate today requires forecasting tomorrow’s needs.   Jobs, family size, property taxes and personal income affect our housing budget and so do utility costs and gasoline at the pump.  We all have budgets.  So before you buy, think carefully about your needs and what you can really afford.  It’s easy to live beyond our means, but not for long!

Tomorrow’s investment may be worth more or less than you pay as we have learned from the recent housing bubble.  Bank financing is now more difficult to obtain.  In other words, if your credit isn’t good, you probably won’t get a typical bank financed mortgage.  Gone are the days of no documentation loans.

Our advice is to study your housing budget carefully and write down your actual needs before you shop.  Did you ever go to Sam’s Club or Walmart without a plan?  If so, I bet you spent more than you intended.  Such is the case with many buyers.  You need to evaluate things carefully before you act.

If you need our assistance in finding the right home or establishing a household budget, give us a call.  It is always best to be an informed buyer or seller.   We can help you make smart choices so you can live comfortably.