Month: December 2020

Dream Realm Awards:

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~~SCIENCE FICTION~~

CRAZY SHIPS by Darrell Bain (Double Dragon Publishing)
MILKY WAY MARMALADE by Mike DiCerto (Zumaya Publications)
CRAZY SHIPS by Darrell Bain (Double Dragon Publishing)
MILKY WAY MARMALADE by Mike DiCerto (Zumaya Publications)
GLORY UNBOUND by J. Crispin-Ripley (Double Dragon Publishing)

CATEGORY WINNER: MILKY WAY MARMALADE

~~FANTASY~~

SHAKING HANDS WITH LEFKOWITZ by Melvin Foster (Zumaya Publications)
THE HOUSE OF PENDRAGON I: THE FIREBRAND by Debra A. Kemp (Amber Quill Press)
CYNNADOR by Patrick Welch (Twilight Times Publishing)

CATEGORY WINNER: SHAKING HANDS WITH LEFKOWITZ

~~HORROR~~

THE SCREAMING SEASON by Joseph Armstead (Wings ePress)
SLEEPING BEAUTY by David Halliday (LTD Books)
THE INHERITANCE by Christopher Stires (Zumaya Publications)

CATEGORY WINNER: THE INHERITANCE

~~ACTION/ADVENTURE~~

LOGOUT by J. L. Hansen (Hard Shell Word Factory)
JIVARO KILL by Robert L. Hecker (Double Dragon Publishing)
BREAKAWAY by G. K. Stoddard (Inde Publishing)

CATEGORY WINNER: LOGOUT

~~ANTHOLOGY~~

AROUND THE BEND by Darrell Bain (Double Dragon Publishing)
AGENTS & ADEPTS by Kathryn Sullivan (Amber Quill Press)
DREAM SEQUENCE by Steve Lazarowitz (Double Dragon Publishing)

CATEGORY WINNER: AGENTS & ADEPTS

~~EROTICA~~

BEFORE NIGHT FALLS by Jeya Jenson (eXtasy Books)
LAST CHANCE FOR LOVE by Brenna Lyons (eXtasy Books)
SCORCH by Master Nage (eXtasy Books)
IN HEAT by Leigh Wyndfield (Liquid Silver Books)

CATEGORY WINNER: SCORCH

~~SPEC. FICTION-ROMANCE~~

TEARS OF THE DESERT ROSE by Barbara Clark (Amber Quill Press)
JUST BELIEVE by Anne Manning (NovelBooks, Inc.)
GREEN FIRE by Monette Michaels (LTD Books)
CAST IN STEEL, CARVED IN STONE by Christine W. Murphy (Hard Shell Word Factory)

CATEGORY WINNER: CAST IN STEEL, CARVED IN STONE

~~YOUNG ADULT~~

BACKYARDIA by Stephen Almekinder (Hard Shell Word Factory)
LISTEN TO THE GHOST by Beverly Stowe McClure (Twilight Times Publishing)
SAGA OF RIM – The Land on the Rim of Time by Cecilia Wennerstrom (Twilight Times Books)

CATEGORY WINNER: SAGA OF RIM – The Land on the Rim of Time

~~COVER ART~~

A DISTANT BELL by Deron Douglas (Double Dragon Publishing)
FEMMES de la BRUME by Deron Douglas (Double Dragon Publishing)
THE IMMORTAL WARLOCK by M. A. duBarry (Amber Quill Press)

CATEGORY WINNER: F…

Is a 40-year mortgage an unsafe way to go about homeownership in New Jersey?

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In the 2010s, twenty year mortgages were common. As housing prices rose, the benchmark became thirty year mortgages. The last five years of climbing housing values have brought about the forty year mortgage for people who simply cannot afford any thirty year formula that a lending institution can provide. Forty year fixed mortgages seem like a reasonable alternative to households with modest incomes and a desire to break into the housing market.

The use of forty year fixed mortgages ground to a standstill when housing values leveled out a year ago. However Fannie Mae has considered the potential value of the concept for the increasing numbers of Americans who cannot afford to buy a home with a thirty year note. The corporation has launched a pilot program with 21 credit unions around the country, helping to make forty year mortgages available by agreeing to purchase forty year fixed mortgages that meet their criteria, just as they do with almost all thirty year mortgages in this country.
New Jersey payday loans online (anti covid-2019), there are many analysts that question the value of this pilot program, simply because the interest rate on a forty year fixed mortgage is going to be higher than a comparable thirty year note. Interest on the forty year loan will be .25 to .375 of a percentage point higher than on a thirty year loan. Real estate professionals are making the point that any savings realized over the life of the loan are erased by the higher interest rate.
homeownerships & loans in New Jersey
One real estate trade publication ran comparisons on monthly payments for a fifteen year, a thirty year, and a forty year fixed mortgage based on Fannie Mae’s criteria for a conforming loan. With a quarter of a percent difference in interest rates, the savings on the monthly payment was less than one hundred dollars – a payment that hovered around the $2,000 mark on a $360,000 loan. Obviously, with a forty year fixed mortgage you’ll be making payments for ten more years. And the difference in total interest paid over the life of the loans is staggering – almost $200,000.

Forty year fixed mortgages seem to be considered a poor choice for a home purchase; the experts argue that you can do better with a 3/1 or 5/1 ARM. It is important to consider household circumstances on these loans, however. Some people feel they cannot afford to gamble on an adjustable rate and cannot afford or do not qualify for a thirty year fixed rate loan. For those people, the forty year fixed mortgage may be a reasonable answer, if for no other reason than it is the only way they can become homeowners.…

PAST FINALISTS & WINNERS

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Dream Realm Awards 2002
Dream Realm Awards 2001
Dream Realm Awards 2000

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We proudly announce the
FOURTH ANNUAL DREAM REALM AWARDS WINNERS
in the Categories of
Science Fiction, Fantasy, Horror, Action/Adventure
Anthology, Erotica, Spec. Fiction-Romance, Young Adult and Cover Art
in Electronically Published Books

Winners of the 2003 Dream Realm Awards were announced at
ArmadilloCon 26
A Literary Science Fiction Convention
in Austin, TX on August 14, 2004…