Look for good infrastructure (roads, parks, access to transportation, parking) and proximity to jobs, shopping, medical services, churches (or other houses of worship), and schools.

They worship the word: they can be manipulated and baited by it as easily as a mouse in a maze with some peanut butter."

However, membership is limited to those living, working, or worshipping in our county.

You have to live, work, or worship in Morris County to be a member.I ended up doing a cash-out refinance on my primary residence and paying off the HELOC, though.

The man is worshipped by many but 99% of that crowd is very early into their financial life, have limited financial education, are at the lower end of the net worth totem pole, are quite naïve about finance in general.