The Mortgage Number That Decides Whether You Keep Your House

Home equity looks like simple math. Value minus what you owe. The trouble is the second number. Most people use the balance printed on last month’s statement. That is rarely the right figure, and the difference can decide whether a house is safe. Balance and Payoff Are Not the Same A statement balance shows principal. … Read more The Mortgage Number That Decides Whether You Keep Your House


Thinking About a Skylight in a Hot Climate? Read This First

Skylights have a reputation problem in the South, and the old ones earned it fair and square. A single-pane acrylic bubble from 1985 turns a hallway into a greenhouse by lunchtime, and the flashing kits those units shipped with were an afterthought at best. Plenty of homeowners tore theirs out years ago and swore off … Read more Thinking About a Skylight in a Hot Climate? Read This First


Specialty Pizza: What to Order Once You Are Past the Margherita

Most people order the same pizza for years. There is nothing wrong with that, and a Margherita is still the fairest test of any Neapolitan kitchen. But the specialty section is usually where a kitchen shows what it can actually do, and at a lot of shops it is the part customers scroll straight past. … Read more Specialty Pizza: What to Order Once You Are Past the Margherita


Rats in Jersey City: The Outdoor Problem That Becomes an Indoor Problem

Anyone who’s lived near the waterfront in Jersey City or Hoboken has seen them. Around dusk. Mostly summer. They run between the dumpsters behind the bars off Grove Street, or along the brick wall on the back of a Bergen-Lafayette walk-up. Big. Way bigger than people picture. Norway rats are the species we deal with … Read more Rats in Jersey City: The Outdoor Problem That Becomes an Indoor Problem