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It has been a pleasure doing business with Gary
Gary has helped us to sell two homes and purchase three homes, including a major relocation to another state.
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We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...

"Experience is Priceless"
"Gary is a go-getter, an excellent marketer of properties and goes out of his way to save people time and money, and unnecessary stress!"

Craig Stevens -Builder

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I highly respect Gary’s opinion...
In my opinion, Gary would be an asset, both personally, and professionally, to any organization.

Lewis J Schweller -Real Estate Attorney

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I have known Gary Simmens for approximately 22 years, and have been involved in numerous residential and commercial real estate transactions...

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School Reports in Atlantic County, Atlantic City, Northfield and Ocean City, New Jersey

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Schools in Atlantic County, Atlantic City, Northfield and Ocean City

First Time Buyers >Credit Card Traps

It is not unusual for first-time buyers to be free of debt. They have been saving for their first home for many months or even years. But after they move into their new home, the new homeowners are often deluged with pre-approved credit card applications from banks and stores offering credit lines. Before they realize what is happening, they can be overwhelmed with debt.

The consumer credit agencies know that mortgage companies do thorough checks before approving a loan, and those who have passed through that process are considered good credit risks. They also know that new homeowners often need to make major purchases of furniture and appliances at a time when they have depleted most of their savings accounts. After years of disciplined savings, new owners may be faced with a tremendous temptation to just say "charge it" for the things they need.

If you have just purchased a home, be aware--and wary--when those credit card applications start pouring in!

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Q	Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
A	The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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The Gary Simmens Team, REALTOR®, real estate agent and broker for Atlantic County, Atlantic City, Northfield and Ocean City, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

The Gary Simmens Team
Balsley/Losco
330 Tilton Rd
Northfield, NJ 08225
609-645-0202
Fax: 609-645-5624
GarySimmens@NUMBER1EXPERT.com

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