Unable to find a mantel top to fit this fireplace mantel, we had to have it replicated for a cost of $340.  Top photo is end result and bottom photo is a template.

The coverage and tint are decent.  Unfortunately after painting an entire house with this paint, I went back to tape and cut all the edging and the Freshaire Choice paint seperated from the wall when I removed the painters tape.  This paint does not bond very well with the underlying paint or primer and has a chalky texture.  I painted houses professionally when I was a college student and I would NOT recommend this paint despite its eco friendly properties. 

This row house on 7th Street in Hoboken NJ has an interesting glazed brick facade with floor to ceiling windows.  The property is for sale through Hudson Place Realty Inc. for $1,400,000. The lot size is 16.67’ by 50’.  Below right is a picture of this property under construction during November of 2007.  Sign in window indicates Studio One Architects. 

Sign at 108 Morris Street Downtown Jersey City (below left) indicates estate sale auction of this 4 family property on May 20th through Sheldon Good & Company.  Below right a three story, four unit apartment building at 1140 Garden Street, Hoboken, NJ is being auctioned as well.

Determining to refinance your mortgage may require a more sophisticated approach than most mortgage calculators provide.

Many years ago when interest rates seemed to be declining almost every day, I attempted to determine the exact point I could benefit from refinancing my home mortgage.  At first I search the internet for a mortgage calculator that could aid me in my decision, but to my disappointment I discovered that they all lacked the sophistication necessary to be of much use.

In fact they were so seriously lacking in their complexity that they were nearly financially ineffectual. So after frustratingly realizing I was not going to find what I needed, I decided to build my own mortgage calculators and in 2005 I transferred them to a browser format making them available to the general public. You can try my mortgage calculators at Mortgage Calculators.

Determining the economic benefits of refinancing depends on many factors, i.e. 1) what is the rate on your existing loan, 2) what is the current rate at which you can refinance, 3) what will it cost you to refinance, 4) how long do you expect to hold the property hence hold the loan, and 5) what is the time value of money. My website RealEstate-Calc.com can help guide you through a step by step approach in the application of these variables.

When creating any financial calculator or model there is a trade off between complexity and simplicity versus effectual and ineffectual and striking the right balance is the key to being a good analyst. “Mathematical modeling”, “manipulation of numeric data” and “displaying numeric results” are all part of an art form! To think otherwise would produce less than superior results.

Most mortgage calculators leave out the ability for the user to adjust for how long they expect to hold the loan and none that I know of allow the user to adjust for the time value of money.  Most do not allow the user to adjust for a mortgage that has already been amortizing for a significant period of time.

These are important variables if you desire more accurate results than the typical mortgage calculator provides.  My mortgage calculators will allow you to adjust for how long you expect to hold a loan (live in the property) and you can adjust for a mortgage that has already been significantly paid down.  You can also consider the effects of making an additional fixed monthly payment to your mortgage.

Please note that this list is not an endorsement of any of these stocks. This list is for information purposes only. Please consult your financial advisor before purchasing any of these securities.

First Solar (FSLR) United States
BioSolar (BSRC.OB) United States
Evergreen Solar (ESLR) United States
E-TON Solar (3452.TWO) Taiwan
Canadian Solar (CSIQ) Canada
Ascent Solar (ASTI) United States
Akeena Solar (AKNS.OB) United States
China Sunenergy (CSUN) China
MEMC Electronic Materials (WFR) United States
Ersol Solar Energy (Germany)
China Solar (CSOL.OB) China
LDK Solar (LDK) China
JA Solar (JASO) China
ICP Solar (ICPR.OB) Canada
Dyesol (DYE.AX) Australia
Solar Millenium (S2M.MU) Germany
SolarWorld (SWV.DE) Germany
Spire (SPIR) United States
Suntech Power (STP) China
Solar Night Industries (SLND.PK) United States
SunPower (SPWR) United States
Trina Solar (TSL) China
Solar Fabrik AG (SFX.DE) Germany
PowerFilm (PFLM.L) England
Phoenix Solar (PS4.DE) Germany
Conergy (CGY.DE) Germany
DayStar Technologies (DSTI) United States
Solar Integrated Technologies (SIT.L)
Electron Solar Energy (ESRG.PK)
Open Energy (OEGY.OB) United States
Kyocera Corp (KYO) Japan
Renesola (SOLA.L) England
REC (REC.OL) Norway
S.A.G. Solarstrom (SAG.DE) Germany
Solar Enertech (SOEN.OB) United States
Solar Power (SOPW.OB) United States
SOLON AG FUER Solart (SGFRF.PK) Germany
Q-Cells (QCLSF.PK) Germany
Sunline (SU3.DE) Germany
Solar Thin Films (SLTN.OB) Hungary/USA
Xantrex Technology (XTX.TO) Canada
XsunX (XSNX.OB) x
ATS Auto Tooling (ATA.TO)
Amtech Systems (ASYS) United States
Solarfun Power (SOLF) China
WorldWater & Solar Technologies (WWAT.OB) United States
Yingli Green Energy Holding (YGE) China
Solarpraxis (SPA.DE)
SES Solar (SESI.OB) Switzerland

Renewable Energy (RNWEF.PK)
BP plc (BP)
C&D Technologies (CHP) United States
Hoku Scientific (HOKU) United States

SolFocus (not listed) United States (technology eliminates cost barriers to solar energy production)

Better Biodiesel (BBDS.OB) United States
Ethanex Energy (EHNX.OB) United States
Biofuels Corporation (BFC.L) England
BlueFire Ethanol (BFRE.OB) United States
Earth Biofuels (EBOF.OB) United States
Nova Biosource Fuels (NBF) United States
Pacific Ethanol (PEIX) United States
US BioEnergy (USBE) United States
VeraSun Energy (VSE) United States
Andersons Inc. (ANDE) United States
Green Plains Renewable Energy (GPRE) United States
Aventine Renewable Energy (AVR) United States
Australian Biodiesel Group (ABJ.AX) Australia
Environmental Power (EPG) United States
MGP Ingredients (MGPI) United States
Xethanol (XNL) United States
Renova Energy (RVA.L) England
D1 Oils (DOO.L) England
China Clean Energy (CCGY.OB) China
Novozymes (NZYM.CO)
O2Diesel (OTD) United States
Panda Ethanol (PDAE.OB) United States
Mission Biofuels (MBT.AX) Australia
Rentech (RTK) United States
Methanex Corp (MEOH) Canada
H2Diesel Holdings (HTWO.OB) United States
Momentum Biofuels (MMBF.OB) United States


Fuel-Tech (FTEK)


PowerShares WilderHill Clean Energy Portfolio (PBW)
Powershares Wilderhill Progressive Energy (PUW)
Winslow Green Growth Fund (WGGFX )
New Alternatives Fund (NALFX)
Powershares CleanTech Portfolio (PZD)
Guinness Atkinson Alternative Energy Fund (GAAEX)