Rick Schwartz: High Definition Real Estate

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Local Business Profile: Gotham Auto Works, 9 South Street, Danbury

GOTHAM AUTO WORKS - Auto Detailing Center

Making the world shine - one car at a time!

Gotham Auto Works, Danbury CT

Got $20?  Got $1,000?      Gotham Auto Works has something to offer.  From a simple but thorough Hand Car Wash to full Auto Detailing, pin-striping, headlight restoration or just about anything to make your car look and feel better,  Gotham does it.  "Anything your car needs to look better - right up to the point of needing a body shop"

Owner Kevin Awalt Gotham Auto Works Danbury CTKevin Awalt had been doing mobile Auto Detailing for several years when, about a year ago, he decided to open a permanent location in order to be able to serve his growing client list year round - regardless of the weather.  He opened his doors in 2008 at 9 South Street in Danbury, on the Bethel Line, just by the Railroad Crossing on Great Pasture Road.

A long time Danbury resident, Kevin's love of cars is matched by his business sense.  Instead of just opening his doors and waiting for business, Kevin knows that to be successful, a business must become a contributing member of the community. 

As part of this effort , he has provided needed car washing supplies to a number of local fund-raisers in an effort to help make the community a little better.

 

One of the cool things about the shop is that because the location is a former auto dealership, instead of garage doors, the workFront doors at Gotham Auto Works floor is accessed through a set of glass doors, so good weather or bad weather, you can stop by and see the Gotham team in action.  It's one of the cleanest shops I've ever been in.  

Always looking to bring his clients the latest and greatest, Kevin recently added high-end Hüper Optik® nano-ceramic window tinting into his product line.  "Expensive," Kevin adds, "but worth the money".   Stop by the shop for more details.

 

 

CAMARO DAY, 2009

Special events and promotions are another way that Gotham Auto Works differentiates itself.  Here is a photo from last month's Camaro Day.

Camaro Day at Gotahm Auto Works Danbury CT

 

For an appointment or questions reach out to Gotham Auto Works:

Telephone: 203.885.1070

E-Mail:  GothamAuto@gmail.com

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0 commentsRick Schwartz • October 07 2009 01:45PM

Open House Today 1- 4 10 Flintrock Drive Danbury $479,900 - Nice Colonial

If you're out and about today, stop by and say hello.  I'll be at 10 Flintrock Drive in Danbury from 1-4.

4 BR 2.5 Bath with updated everything.   Priced to sell at $479,900.

DIRECTIONS:  Clapboard Ridge (Rte 39) To Flintrock.  House on left.

Can't make it, give me a holler to set up a showing.

0 commentsRick Schwartz • October 04 2009 09:38AM

METRO NORTH RAILROAD - Great commute for residents of Northern Fairfield County, CT.

 

In our Danbury, CT metro area which includes Danbury, Brookfield, Bethel, Newtown, New Fairfield, Ridgefield - all in Fairfield County, as well as New Milford which is in Litchfield County, we have a lot of transplanted New Yorkers who work in New York City. 

New Metro North Engine

Lots of folks also commute from this area to Southern Westchester towns such as White Plains, Yonkers, New Rochelle or Mount Vernon.

Many drive their cars to and from work, but many of them prefer to commute by rail using Metro North Railroad.

 

 

What is Metro North?

Metro North Railroad is part of the NY/NJ/CT Metropolitan Transportation Association (MTA) which operates a number of mass transit operations helping commuters in the tri-state area get to, from and around New York City.

The flagship and focal point for Metro North is Grand Central Terminal.  One of the most famous rail stations in the world, Grand Central (GCT) was first constructed in the 1870s in  mid-town Manhattan as an above ground train station where several different Railroad lines could provide access to their riders, eliminating the need for passengers to travel from one station to another by foot or wagon when changing lines for continued travel.

It went through several evolutions until the early 1900s when the platforms and tracks were moved underground allowing for the now familiar GCT building to be built above the platforms.

Grand Central Terminal Collage

Some Grand Central Lore

GCT has been the backdrop for many memorable motion pictures throughout its history. Two of the most well known were in Alfred Hitchcock's NORTH BY NORTHWEST - Grand Central was the starting point for Jimmy Stewart's character as he escaped New York City.

Also -who could forget Lex Luthor's lair in the secret tunnels underneath Grant Central in the first SUPERMAN movie starring Christohper Reeve with Gene Hackman as Luthor. It is true, BTW, that there are subterranean levels of GCT below what is accessible to the general public.

Currently there are 57 tracks and platforms operating in Grand Central.  They are about equally divided between the upper and lower level platfoms.  Originally the division in levels was determined by having the primary rail lines operate on the upper and commuter lines running on the lower.  In those days primary rail lines were the main mode of long distance transportation for Americans.

Coming out of GCT, the 57 tracks all merge into 4 feeder tracks which run beneath Park Avenue through Mid-Town, emerging into an elevated line just above 100th Street, which carries commuters north of the city. 

 

Where Do The Trains Go?

The three Metro North lines running on these tracks are the Hudson Line, Harlem Line and New Haven Line.  All Metro North Mapthree lines run together until the station at Fordham (The Bronx) where they split into three branches.  Hudson runs parallel to the river carrying passengers as far as Poughkeepsie.  For our purposes here we are going to look at the Harlem and New Haven lines.

If you are hoping to travel from Northern Fairfield County to Manhattan you have a number of options.

The New Haven line, which, oddly enough runs all the way to New Haven, has a few branches that split off along the way and turn in north, deviating from the line's general North East path.

The first branch, as you can see on the chart, splits from the main line at Stamford and continues north for 4 stops terminating in New Canaan.  New Canaan is a great community in the SW part of Connecticut.   The train station itself if located right in the main area of the village.  Some commuters from northern parts of Stamford prefer to come to this station as an alternative to driving into downtown Stamford.

The second branch splits off the line at South Norwalk and runs to stations in Branchville (Ridgefield), Redding, Bethel and Danbury.

The number of trains running on these branches each day is less than on the main lines so commuters have to plan their commuting appropriately.

The other option for folks in the Danbury Metro area is to drive west on I84 about 8 miles into NY State and take the Harlem Line from the Southeast station.   Southeast is a primary hub for trains into NYC and the ride is direct as opposed to the CT branches which mostly require a switch of trains where they connect.

Travelling by train from Southeast will become even easier soon for residents of Brookfield and New Milford CT when the extension of RTE 7 is completed in November.  This extension will give residents an opportunity to travel on a straight shot from the beginning of the highway, on the Brookfield/New Milford line all the way across to NY and the Southeast station.

If you need specific information on schedules, check the Metro North Website.  Generally speaking, though, the options are many based on exactly where you live.

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0 commentsRick Schwartz • September 23 2009 03:05PM

OPEN HOUSE SUNDAY 9/27: 1 - 4 Camelot Court, Danbury

0 commentsRick Schwartz • September 22 2009 10:14AM

Camelot Court, Danbury. Great End Unit at 11 Mannions Lane $269,900

0 commentsRick Schwartz • September 02 2009 08:09AM

What Is The Difference Between Interest Rate and Annual Percentage Rate (APR)

When you are shopping for a home loan you will usually see rates quoted in two columns.  The first will say INTEREST RATE and the second will say APR - which stands for Annual Percentage Rate.

What's up with that?  Shouldn't the interest rate BE the Annual Percentage Rate? In a perfect world it would seem so - but, alas it is not.

The challenge is that this is one of those questions where if not explained simply, the answer can seem more confusing than the question.  At the end of the day, I really believe that it's one of those great mysteries of life that "they" will never share with us - the regular people.

I do not claim to understand all the math  but what I can do is explain to you the theory behind why there are two figures and how you can look at both numbers in a way that can help you make a decision about where to get your mortgage.

INTEREST RATE

This is the percentage that is used to calculate your monthly mortgage payments.  So if you have a $250,000 mortgage and a rate of 5%, - the annual interest will be 5% of $250,000 or $12,500. 

The $12,500 is then divided by 12 to determine the amount of interest you'll be paying monthly - about $1040.

The monthly interest payment will be added to the monthly principal payment to complete the calculation of your mortgage payment.   There will likely be taxes and insurance added to that but that is not money that ultimately goes to your lender so it is not relevant for this discussion.

ANNUAL PERCENTAGE RATE

This is the "Cost " of your mortgage calculated as an annual figure.  It includes not only the interest, but also points and some of your closing costs.  So it will be likely always be higher than the interest rate  This number is the true cost of your loan.

SO - WHY DO I CARE AND HOW DO I USE THIS INFORMATION?

What you need to look for when comparing loans is the "spread" between the two figures.

LOAN #1:  5% Interest Rate with an APR of 5.25%

LOAN #2   5% Interest Rate with an APR of 5.65%  

In Loan 1 the spread is .25%   In Loan 2 the spread is .65%   Loan two is a more expensive loan.

DOES THIS MEAN I CHOOSE LENDER 1?

There are many different factors you may use when choosing a lender.  This is just one of them.  It's one of my general life rules that the least expensive product does not make it the best.  Understanding what something is costing you, though is critical. 

 

0 commentsRick Schwartz • July 22 2009 12:07PM

NAR Survey - Homes are more affordable than people think

The first report from the National Association of Realtors June, 2009 telephone survey of 1,004 people is in.

According to the interviews it seems that "most consumers are not aware of how affordable homes have become in today's market". 

More data will be released later this week.  CLICK HERE to read the article from the Realtor.com.

 

0 commentsRick Schwartz • July 09 2009 02:11PM