Make Every Day Count

Make every day count. Steve Jobs, the founder of Apple Computers, really did a good job of summarizing this idea when he spoke this quote into existence…

 “For the past 33 years, I have looked in the mirror every morning and asked myself: ‘If today were the last day of my life, would I want to do what I am about to do today?’ And whenever the answer has been ‘No’ for too many days in a row, I know I need to change something.” -Steve Jobs 


What are you going to do today? You, just like every other human-being on the planet, woke up this morning with a gift. You woke up with 24 hours to spend in whatever way you deem the best. In a sense, that is all that you have. Time is the most valuable currency, but it is also the great equalizer. Whether you are rich or poor, time still passes at the same rate.  

And when you wake up in the morning, it falls to you to decide what you are going to do with it.

 So what are you going to do today? 


Making every day count is a concept that might sound foreign to a lot of people. Some people might say that they ‘have to go to work’ at a job that they hate just because they need to ‘pay the bills’. Some people might say that it is not their fault that they have to do things that they don’t want to do all day… and while it is true that not every moment of every day is going to be pleasant, the question is really one of direction. Do you like the direction that you are going in, or are you headed somewhere that you don’t want to go?


The best way to make every day count is to stop and think about where you want to end up some day. Where do you want to be in a year, in five years, in ten years, and when you retire? What do you want your life to be like when your kids are old enough to move out? What kind of home do you want to invite your grandchildren into? And most importantly, what kinds of things do you want to be doing when you are at retirement age? Do you still want to be doing what you are doing now, or is there something else that you would rather be involved in?

Keep these things in mind, and use every hour of your day to move you closer to where you want to be. Sign up for college courses… get an internship… or save up to start that business that you have always wanted to start! Don’t shy away from challenges. Success is a choice, and making every day count is as simple as making choices that are going to take you, eventually, to where you really want to be


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It’s The Location…

Location, Location, Location | Keeping Current Matters

A recent Demand Institute report revealed “nearly half of all American households plan to move at some point in the future.” Seventy-five percent of those surveyed in the report cited one or more ‘location-related reasons’ for their eagerness to move. Here are the top 5 reasons:

1. Safer Neighborhood – 30%

2. Closer to Family – 27%

3. Change of Climate – 26%

4. Closer to Work – 25%

5. For a New Job – 23%

While the majority of Americans (74%) will move within their home state, for the 26% planning to call a new state home, it is important to know that prices in each state are appreciating at different rates and waiting to buy or sell your home could cost you more in the long run. The map below was created using the FHFA’s latest Home Price Index and shows year-over-year price gains in each state. Year-Over-Year Price Gains | Keeping Current Matters

Bottom Line

If your plan for 2015 includes relocating to a new state, meet with a local real estate professional in that area who can help you find the best fit for you and your family’s needs.

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Best Places To Live in New York!

A Westchester town took top honors in a well-known real estate website’s recent 10 Best Places To Live in New York list. — a real estate website known for its catchy, algorithm-based top 10 lists — ranked Mamaroneck as the best town in New York state to live in.

In addition, Westchester towns made up 9 of the top 10 spots on the real estate website’s list.

Steve Altieri, Mamaroneck town administrator, said that Mamaroneck’s diverse population, community volunteerism, and coastal location were among the town’s finer points.

“Mamaroneck is a coastal community, only 35 minutes from New York City, so it’s a very convenient town,” Altieri said.

Writer Natalie Grigson analyzed the 2010 U.S. Census data of towns with populations exceeding 10,000 and ranked each on the basis of amenities, quality of life, crime, taxes, unemployment, commute time and weather.

Grigson extolled the virtues of Mamaroneck’s small-town feel — and Sal’s Pizzeria! — as well as Tarrytown’s low crime rate; the convenience of White Plains’ many amenities; Mount Kisco’s low student-teacher ratio and Scarsdale and Harrison’s overall quality of life.

The following towns are the top 10 found on’s list.

1. Town of Mamaroneck

2. Village of Tarrytown

3. City of White Plains

4. Village of Mount Kisco

5. Town of Scarsdale

6. Town of Harrison

7. Village of Dobbs Ferry

8. Village of Ossining

8. City of Rye

10. City of New Rochelle

10. City of Saratoga Springs

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Are you having a bad day? Here are 5 Ways to Turn Your Day Around

Don’t be surprised… we all have them. In fact, for most people, a bad day at least once per week is a common thing. It could be caused by any number of things. Maybe it’s Monday and you would rather be anywhere than at work. Maybe you don’t feel good. Maybe you just paid the bills and have barely enough money in your account to cover getting to work and back for the rest of the week. Maybe you are tired of friends who put your down and managers who make it their mission to cause you misery.

Whatever the case may be, the truth is that bad days happen… but that they don’t have to define you. In fact, changing your day from bad to good may be as simple as changing your outlook.

Here are 5 ways to turn your day around:

1… It could always be worse

It doesn’t take much brain-power to imagine things being worse. Consider this, and try to be thankful that the worst-case scenario is not your scenario. It could always be worse, so be thankful that your bad day is not infinitely bad.


2… Make a fun plan

Having a stressful day at work? Text your friends and see if some of them want to do something fun later on. Or text your spouse and plan a special date-night. Looking forward to something is a great way to get your mind off of your current woes.


3… Talk to someone

Talk to a friend, a family member, your spouse, or even the coworker in the cubicle next to yours about what is wrong. It might be difficult to do sometimes, but talking to other people about your problems can be very therapeutic.


4… Read motivational quotes

The internet is full of motivational quotes. Sometimes these little snippets of wisdom can give you the fuel you need to get you through the day.


5… Count your blessings

Everyone has things to be thankful for, and making a list of the good things in your life can often cause you to see that, though your day might seem bad, your life is actually pretty good!

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Thinking of Buying? What are you waiting for? Read me :)

Thinking of Buying? What are you waiting for? | Keeping Current Matters

If you are planning on becoming a homeowner, or moving up to the home of your dreams in 2015, here are four great reasons to consider buying a home now, instead of waiting until spring.

1. Prices Will Continue to Rise

The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects appreciation in home values over the next five years to be between 11.7% (most pessimistic) and 27.5% (most optimistic). 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

Although Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have softened recently, most experts predict that they will begin to rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison projecting that rates will be up almost a full percentage point by the end of 2015. An increase in rates will impact YOUR monthly mortgage payment. Your housing expense will be more a year from now if a mortgage is necessary to purchase your next home.

3. Either Way You are Paying a Mortgage

As a paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

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 whether 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 it is 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.



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It’s those little things in life…

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With the pressures of being a mom, dad, wife, husband, employee, taxi service, care giver and all the other things we do in life, it’s hard to take a moment to enjoy a little peace, quiet and happiness. 


Many of us look for big, monumental occasions to give us meaning, to provide us with happiness. It’s the birthday celebrations, the anniversary parties, the big holiday to-dos that we look forward to where we can finally say: “I’m happy”. In the end, though, those a just events and once the lights go down and the party is over, it’s time to get back to living life doing what we do each and every day. 

The good news is that there are small moments that happen in our every day lives that can bring us happiness and either put a smile on our faces or a little lightness in our heart. Sometimes we don’t see them. So, to help all of us recognize when the great “small” things happen in our lives that can bring us some happiness, joy and satisfaction, we’ve decided to provide a list of the little things.

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Here’s a big list of the little things in life we can enjoy:


1.     You wake up before your morning alarm goes off and you can still get more sleep.

2.     You give Mother Nature the slip and get inside or in your car just before it starts raining.

3.     Someone holds the door open for you for what appears to be an awkwardly long time, just so you don’t have to open it.

4.     The person in front of you in the drive thru pays for your order.

5.     You fast-forward through your recording to miss the commercials and you stop just as the next part of your show starts.

6.     You get an unexpected compliment from someone –even a stranger.

7.     Someone re-Tweets or forwards what you post on Facebook unexpectedly.

8.     You’re just sitting there in your chair and you realize that things are great just the way they are.

9.     Finding money that you forgot you had in a coat you haven’t worn for a while.

10.  Hitting the timing perfectly on a bag of popcorn

11.  Popping bubble wrap.

12.  The elevator arrives just as you push the button.

13.  Ordering coffee and hot chocolate at the right temperature.

14.  Your cell phone staying charged long enough for you to finish your conversation.

15.  Getting in your car and seeing that you had more gas than you remembered.

16.  Your favorite song coming on the radio just as you’re thinking about it.

17.  Seeing trees turn green as the weather gets warmer.

18.  Peeling the perfect hard boiled egg.

19.  Bed linens that just came out of the dryer.

20.  Taking a long shower or bath without being interrupted.


There are lots of little things in life that can make us happy. We just have to look for them.

 New York Real Estate Experts Blog Enjoy your day.


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2015: A Year of Housing Opportunity

2015: A Year of Housing Opportunity | Keeping Current Matter

Many believed that when the housing market crashed, so too would the desire of American’s to own a home again. Many reports have shown that, especially among younger generations, the American Dream of homeownership is still very much alive. Julián Castro, Secretary for HUD, recently summed up what it means to own a home in a speech at the National Press Club.

“Homeownership is still the cornerstone of the American Dream — a fact you can see in the lives of everyday folks. It’s a source of pride. It’s a source of wealth, providing both a nest and a nest egg. And it strengthens communities and fuels growth in the overall economy.”

Castro appropriately named his speech, “2015: A Year of Housing Opportunity”, a theme that rang true throughout.

“Opportunity is not an abstract concept – it’s a path to a more prosperous life, and housing often serves as its foundation. T.S. Elliot once said that “home is where one starts from.” “A home is often a primary source of wealth in a family… Having a home is generational way to pass that wealth on. We want people responsible enough to own a home to have that opportunity.”

Bottom Line

“Over the years-through decades of economic downturns and wars-the American people have always held on to this Dream, and always will.”


As the economy continues to improve, more and more Americans will qualify for homeownership, allowing more families to obtain the American Dream.


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9 Habits That Will Help You Build Wealth


While a six-figure inheritance or high-paying job can land you in the top 1% of earners, it’s the little things — your money habits — that often make the difference between a life of prosperity and one of constant financial stress.

Just ask CFP® David Blaylock, who doesn’t simply advise his clients on the merits of good money habits — he practices what he preaches.

For example, “I do a periodic review of all the subscriptions I have — the ones that hit my credit cards each month,” says Blaylock. “You’d be surprised at how many subscriptions we all have and how many go unused. You could create some significant savings each month just by looking at those things.”

Taking inventory of your recurring subscriptions and services is just one habit that can get you on the road to better fortune.

“If you look at the average amount of money you will earn over your lifetime, and figure out how many years you are working — most people earn more than a million dollars over their working life but very few people become millionaires,” says Nancy Butler, a Certified Financial Planner™. “How they manage what goes through their fingers usually makes the difference.”

So what are these easy changes that can help move you further along the road to prosperity? We asked two financial planners for their favorites.

1. Reverse Your Thinking

We know: After taxes are taken out and the bills are paid, your paycheck can seem a little anemic — which can make the idea of having to save for retirement too seem like a real stretch. But to build wealth, a change in mindset is required. Namely, instead of spending the rest of your take-home pay, you’d actually take another cut of your paycheck and put it toward your biggest financial goals.

“Most people spend some money, pay their bills and save what’s left,” says Butler. “And that’s backwards: You should be saving for your financial goals first, paying your bills and and then consider spending the money you have leftover.” Another trap is putting your good money habits off till “later,” when life will get easier. The thing is, somehow the minute your income increases, the demands on your money seem to as well.

Now, keep in mind, we’re not suggesting you sock all of your money away and live on rice cakes. As Blaylock puts it: “I’m not asking you to put $1,000 away a month, I’m asking you to put away $50, or a small amount that you can afford. We really can’t underestimate the power of starting small, because most of the time that momentum builds, and once we see progress, we tend to repeat behaviors.”


2. Look Where You Want to Go

Just as performance athletes imagine themselves making the shot over and over again — check out this study for how goal setting improves motivation in athletes — knowing what you want your money to do for you gives your goals a better chance of being reached.

To get going on saving for the future, financial experts often suggest having a five-year plan, where you create specific money goals you’d like to achieve in five years and what you need to achieve those goals.  For example, saving six months of income for an emergency fund, or saving for a big event, like a down payment on a house.

“Anytime we have a specific goal in mind, that helps us to save,” says Blaylock. “Whether that goal is emergency savings, or saving for a trip, or saving for college, it doesn’t matter.”

3. Adopt Your Own Private Mind Tricks

What if not spending $1,000 on a designer purse or new must-have gadget were as easy as following a rule that dictates you can’t spend more than $300 on something that isn’t essential to your life? The good news is you can create financial rules just like that for yourself; in fact, doing so can be a great habit to get into.

Also known as “heuristics,” these rule-of-thumb strategies we create for ourselves — such as not spending more than $15 on an item of baby clothing, or more than $50 on a pair of shoes — can help simplify the many choices we make in a day. Behavioral economists believe that adopting good heuristics can help one develop good money habits.

If creating a great heuristic seems like an overwhelming task, Blaylock suggests starting with something simple, such as eating out only twice a week, or “not getting a cart at Target,” a heuristic that helped one of his colleagues save money.

4. Live Like a “Secret” Rich Person

For some, the image of a millionaire conjures visions of sprawling mansions and shiny Bentleys. But most millionaires don’t live large like that — rather, they tend to live well below their “means” and do more saving than spending. In other words, they’re not flashing their money, according to Dr. Thomas J. Stanley, co-author of “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy.” Stanley’s book, which details more than two decades worth of surveys and personal interviews with millionaires, reveals that much of the wealth in America is more often the result of hard work, diligent savings, and living below your means.

Las Vegas–based David Sapper, who owns a successful used car business, and his real-estate broker wife make a combined income of $500,000 per year. Yet they live like “secret” rich people, only spending $2,500 per month on all bills and extracurricular expenses like eating out, unlike many of their peers. By putting 90% of his income into savings and investments, Sapper says he’ll be able to retire early.

His advice? “Find the point that you get what you need and you’re happy and comfortable, and just stay there,” says Sapper. “I had an ‘aha!’ moment when I was watching MTV, and LL Cool J was saying, ‘I lease a Honda Accord for $399 a month,’ while other rappers are going broke.”

5. Tackle Retirement Now

If you’re in your twenties or thirties, retirement can seem eons away — and saving for it might not seem like a priority. It’s easy to understand: In between paying to attend weddings (which average something like $600 per guest), saving for a down payment on a home, and using anything leftover to put toward “necessities” like vacation, how are you supposed to save anything for retirement?

Unfortunately the later you start saving, the more you’ll have to save. But the sooner you sock money away, the more time it has to compound and grow.

If, for example, you’re 30 and putting $50 a month into a retirement account with a 7% rate of return, that $50 a month would turn into $56,000 in 30 years, says Blaylock. Should you wait to age 40, you would need to contribute $110 per month to get to that same goal. This is because your money has less time to grow which minimizes the impact of compound interest.

6. Know What’s Coming in, and What’s Going Out

Most of us have good intentions when it comes to saving money. But if you don’t know what’s coming into your bank account and what’s going out, chances are you don’t know how much you can devote to your goals. And most people generally don’t track their income and spending, says Blaylock. “It really is shocking to me that clients I work with don’t always review their pay stub,” he says.

You can track your expenses that helps you budget, set goals and save. Remember: Knowledge is the first step to lasting change.

“If I don’t know how much you spend on eating out, how can I expect you to change that?” says Blaylock. “You kind of have to become the chief financial officer of your household.”

7. Getting Out of Debt

Everyone has debt at some point in their life. But if you have bad debt — not student loans and mortgages, but credit card debt, where you’re paying high monthly interest rates — nixing it and getting out of the habit of being a debtor — should be priority number one. “I want somebody to develop a plan to have them out of that debt in 36 months or less,” says Blaylock. “It’s hindering you from making progress on your other goals.”

At the same time, emergencies happen — and a $600 car repair can hit anytime. That’s why Blaylock advises putting half the money you could put into paying down debt into an emergency savings account. So, for example, instead of paying $600 toward credit card debt, consider putting $300 toward emergency savings and $300 toward credit card payments. While this means it will take longer to get out of credit card debt, you’ll have money stored up for an emergency.

“Credit card debt is a result of the ‘uh-oh’ moments,” says Blaylock. “We still don’t have any savings built up because we put it all toward our credit card. So while you’re also working to pay your credit card down, you should consider putting an equal amount to an emergency savings account. I often tell clients that their emergency savings are their insurance policy against falling into credit card debt ever again.”

After you get out of debt, Butler suggests only having one credit card, and come to an agreement with yourself (or your significant other) that it will only be used during an emergency. “Let’s say the car broke down and you can’t fix it — that’s an emergency,” says Butler. “Something’s on sale, and I know I’m going to need it in six months — that’s not an emergency.”

8. Increasing Your Earnings

There are two ways to increase your net worth: Spend less or save more money. “And spending less is only part of it — you have to save, and when appropriate invest, the rest,” says Natalie Taylor, a CFP®.“Earning more often doesn’t lead to higher net worth because lifestyle expenses grow along with it.”

But if you grow your income, and set some of those earnings aside, you can grow your bottom line. Aside from getting a raise or winning the lottery, there are a few ways to get more money flowing in.

One suggestion: Diversify your income streams by working a second, part-time job doing something you love. As far as earning more, there are a few things one can do. “For those who cannot cut their expenses enough, I love the idea of working part-time,” says Blaylock. “I have a great friend who is an attorney. She has a big travel habit that she is unwilling to pull back on. So, she works at a flower shop on Saturdays during wedding season. It’s a win for everyone: The flower shop has a dependable employee, and my friend loves flowers so she does not think of it as work.”

Another idea: Look for investment opportunities — perhaps with the help of a financial planner — or other ways to get income to come to you. “I think retirement income should come from multiple sources such as rental income, part-time income and retirement assets,” says Blaylock.

9. Consider Consulting an Expert

There are times in life when consulting an expert pays you back in spades. Even if you’re doing everything you can to start good money habits, using a qualified financial planner can help keep you on track — and help you see the big picture.

“Often times most of us are too emotionally involved in our finances to make really good decisions,” says Blaylock. “So what you’re looking for when you’re getting a professional is accountability and an outside view of what you’re doing. I look at your finances very objectively, where you can’t because you’re that person.”

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Net Worth: A Homeowner’s is 36x Greater Than A Renter!

Net Worth: A Homeowner's is 36x Greater than a Renters! | Keeping Current Matters

Over the last six years, homeownership has lost some of its allure as a financial investment. As homeowners suffered through the housing bust, more and more began to question whether owning a home was truly a good way to build wealth. Every three years the Federal Reserve conducts a Survey of Consumer Finances in which they collect data across all economic and social groups.

Some of the findings revealed in their report:

§The average American family has a net worth of $81,200

§Of that net worth, 61.4% ($49,856) of it is in home equity

§A homeowner’s net worth is over 36 times greater than that of a renter

§The average homeowner has a net worth of $194,500 while the average net worth of a renter is $5,400

Bottom Line


There are many reasons why owning a home makes sense, the Fed study shows that owning is still a great way for families to build wealth in America.


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What women(and men too!) really want on Valentines’ Day

For men:


Guys, it turns out that it really is the thought that counts after all. Yes,flowers, candy and expensive stuff does show that you are thinking about your lady. But the real secret has more to do with how much thought you put into the gift. The more creative you are and the more you give a gift that show how much you’ve been paying attention is what’s key.


Here are a few tips from (believe it or not) on how to make your girl feel special this year:


Show a special feature: Invite her to your place for a special movie night, complete with popcorn and hot cocoa. Show that you’ve been thinking of her by buying her favorite romantic movie online (again, it’s OK to ask her for movie suggestions without revealing your entire plan).


Say it in your own words: Who needs Shakespeare? Many women, including Fawn Fitter of San Francisco, say a heartfelt card is worth its weight in gold. “Not some verse from Hallmark,just something sweet in his own handwriting. That’s all it takes,” she says.

Eat in: Consider making a romantic dinner at home for your sweetie instead of going to a pricey restaurant on Valentine’s Day. If you’ve got even a shred of culinary talent, get up early and prepare her favorite — pancakes with strawberries and whipped cream, perhaps, with hot coffee, a carafe of mimosa and two champagne glasses.


Check here for more cool ideas:


For women:


Ladies, men DO have other things on their mind when it comes to the gifts they want from you on Valentine’s Day. Author Nancy Eshelman from Penn Live did a little research on Facebook and got some surprising – and completely amazing – answers.


From the men who gave her feedback, it seems that many of them “seem to have what they already want” said Eshelman.


Here are some of the responses she received:


·        ”If we need told on this day you need to be reminded you love each other, then you don’t really know or understand what ‘True Love’ is. Love isn’t a one-day wonder.


·        ”True Love means you’ll go the extra mile every day if that’s what it takes. So we don’t celebrate our relationship, we celebrate what it’s produced together … two kids and lots of happiness. So we do something together as a family.”


·        ”My favorite Valentine’s Day gift,” he wrote, “is when my dear wife wakes me with a kiss and a happy Valentine’s breakfast.”


·        ”A stay cation.”


·        ”Time … nothing fancy …time.”


·        ”Real men know this is a ladies holiday. Our reward is in knowing we made our ‘special lady’ less angry with us for a few hours.”


Hopefully that clears it up for you. If you’d like to see the full article, go to:


Enjoy and have a Happy (and meaningful) Valentine’s Day.


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