December 2006 Single Family Market Watch

December 1, 2006 to December 3, 2006

Atlantic Highlands:
Total Homes on Market.................................................... 37
Number of Just Listed this month:................................... 6
Average List Price.............................................................. $449,283
Number of Closed Sales for the month:........................ 6
Average Days on Market:................................................. 68
Ratio of sale price to list price:....................................... 91%
Median Closed Price:......................................................... $990,000
Homes Expired in the month............................................. 3

Fair Haven:
Total Homes on Market.................................................... 50
Number of Just Listed this month:................................... 6
Average List Price.............................................................. $708,817
Number of Closed Sales for the month:......................... 9
Average Days on Market:................................................. 75
Ratio of sale price to list price:....................................... 96%
Median Closed Price:......................................................... $522,500
Homes Expired in the month............................................. 4

Little Silver:
Total Homes on Market.................................................... 4
Number of Just Listed this month:................................... 2
Average List Price.............................................................. $592,400
Number of Closed Sales for the month:......................... 5
Average Days on Market:................................................. 94
Ratio of sale price to list price:....................................... 88%
Median Closed Price:......................................................... $515,000
Homes Expired in the month............................................. 4

Middletown:
Total Homes on Market.................................................... 50
Number of Just Listed this month:................................... 55
Average List Price.............................................................. $549,800
Number of Closed Sales for the month:......................... 55
Average Days on Market:................................................. 89
Ratio of sale price to list price:....................................... 93%
Median Closed Price:......................................................... $417,000
Homes Expired in the month............................................. 48

Oceanport:
Total Homes on Market.................................................... 40
Number of Just Listed this month:................................... 7
Average List Price.............................................................. $1,325,986
Number of Closed Sales for the month:......................... 3
Average Days on Market:................................................. 212
Ratio of sale price to list price:....................................... 92 %
Median Closed Price:......................................................... $395,000
Homes Expired in the month............................................. 6

Monmouth Beach:
Total Homes on Market.................................................... 33
Number of Just Listed this month:................................... 5
Average List Price.............................................................. $1,457,880
Number of Closed Sales for the month:......................... 2
Average Days on Market:................................................. 68
Ratio of sale price to list price:....................................... 89%
Median Closed Price:......................................................... $1,200,000
Homes Expired in the month............................................. 1

Red Bank:
Total Homes on Market.................................................... 54
Number of Just Listed this month:................................... 8
Average List Price.............................................................. $426,225
Number of Closed Sales for the month:......................... 7
Average Days on Market:................................................. 89
Ratio of sale price to list price:....................................... 97%
Median Closed Price:......................................................... $362,500
Homes Expired in the month............................................. 6

Rumson:
Total Homes on Market.................................................... 50
Number of Just Listed this month:................................... 13
Average List Price.............................................................. 1,471,208
Number of Closed Sales for the month:......................... 10
Average Days on Market:................................................. 96
Ratio of sale price to list price:....................................... 90%
Median Closed Price:......................................................... $1,374,500
Homes Expired in the month............................................. 14

Sea Bright:
Total Homes on Market.................................................... 17
Number of Just Listed this month:................................... 2
Average List Price.............................................................. $724,500
Number of Closed Sales for the month:......................... 1
Average Days on Market:................................................. 125
Ratio of sale price to list price:....................................... 87%
Median Closed Price:......................................................... $2,575,000
Homes Expired in the month............................................. 4

Shrewsbury Boro & Township:
Total Homes on Market.................................................... 33
Number of Just Listed this month:................................... 9
Average List Price.............................................................. $680,200
Number of Closed Sales for the month:........................... 2
Average Days on Market:................................................. 60
Ratio of sale price to list price:.......................................... 93%
Median Closed Price:......................................................... $520,000
Homes Expired in the month............................................. 3

Spring Lake:
Total Homes on Market.................................................... 61
Number of Just Listed this month:................................... 7
Average List Price.............................................................. $2,634,129
Number of Closed Sales for the month:........................... 6
Average Days on Market:................................................. 77
Ratio of sale price to list price:.......................................... 88%
Median Closed Price:......................................................... $1,620,000
Homes Expired in the month............................................. 1

Tinton Falls:
Total Homes on Market.................................................... 61
Number of Just Listed this month:................................... 5
Average List Price.............................................................. $528,560
Number of Closed Sales for the month:........................... 5
Average Days on Market:................................................. 98
Ratio of sale price to list price:.......................................... 97%
Median Closed Price:......................................................... $435,000
Homes Expired in the month............................................. 8

Based on Single Family homes ONLY. for more information go to www.monmouthcountymarketwatch.com


--Information deemed reliable but not guaranteed--Copyright: 2006 by the Monmouth County Association of REALTORS® Prepared by GLORIA BENAROCH of COLDWELL BANKER RES. BROKERAGE on 12/31/2006 3:49:55 PM

A Poem that I thought worth posting

This was sent to me and I thought it to be worth posting....

We may not always realize
That every thing we do,
Affects not only our lives
But touches others, too.

For a little bit of thoughtfulness
That shows someone you care,
Creates a ray of sunshine
For both of you to share.

Yes, every time you offer
Someone a helping hand-
Every time you show a friend
You care and understand...

Every time you have
A kind and gentle word to give
You help someone find beauty
In this precious life we live.

For happiness brings happiness
And loving ways bring love;
And giving is the treasure
That contentment is made of.

Author Unknown

Realtor Christmas Cheer

A Bit of Christmas Cheer:

'Twas an hour before closing and the agents were tense,

to close Christmas Eve just didn't make sense.

But the seller was booked on the 6 o'clock flight

and had warned, "THERE WILL BE A CLOSING TONIGHT!"

The agents agreed because business was dead,

and visions of commission checks danced in their heads.

The loan was approved by the lender's good grace,

Everyone knew 'twas a borderline case.

The buyers divorced, remarried again,

Divorced once more, and now were just friends.

The loan package complete to the closer was carried,

With instructions to close before they remarried.

The title policy arrived via UPS,

From page One through Sixteen, a terrible MESS!

An improper legal, 3 judgments, a lien,

But a few lines on page seven, looked pretty clean.

The title was cleared and the closing was set,

But to finish today was not a sure bet.

The closer dashed in waving her HUD,

It was covered with whiteout, coffee and crud.

But down in the corner you barely could see,

that the buyer still owed a buck thirty-three.

So the closer extracted a bill from her compact,

And the agents agreed to the rest on the contract.

To add some interest, the seller revealed,

to everyone's horror - the well wasn't sealed.

And, oh yes, he wanted to change the disclosure,

His mother just died of RADON EXPOSURE!

Everything else in his house was O.K.

(his cracked floors and walls were always that way)

About that time the buyer chimed in,

"we'd like to continue, but before we begin,

I noticed these papers - I'm likely to blame,

But I gave my agents the wrong legal name,

And one more thing I had hoped to avoid,

Does it really matter if I'm self-employed?"
About this time the closer exploded.

She pulled out a gun and said it was loaded.

Everyone froze and sat there amazed,

She frothed at the mouth and her eyes were both glazed.

More rapid than eagles, her curses they came;

she bristled and spouted and called them BAD names.

"THE CLOSING IS OFF, DO I MAKE MYSELF CLEAR??

MERRY CHRISTMAS TO ALL - NOW GET OUT OF HERE!"

THE CHRISTMAS CLOSING


Author unknown
-- "Live, Laugh, Love"

A Sailor's Christmas

Hi all,
This was sent to me , not sure of the author, but wanted to share:

A Sailor's Christmas

Twas the night before Christmas, the ship was out steaming, Sailors stood watch while others were dreaming.

They lived in a crowd with racks tight and small, In a 80-man berthing, cramped one and all.

I had come down the stack with presents to give, And to see inside just who might perhaps live.

I looked all about, a strange sight did I see, No tinsel, no presents, not even a tree.

No stockings were hung, shined boots close at hand, On the bulkhead hung pictures of a far distant land.

They had medals and badges and awards of all kind, And a sober thought came into my mind.

For this place was different, so dark and so dreary, I had found the house of a Sailor, once I saw clearly.

A Sailor lay sleeping, silent and alone, Curled up in a rack and dreaming of home.

The face was so gentle, the room squared away, This was the United States Sailor today.

This was the hero I saw on TV,

Defending our country so we could be free.

I realized the families that I would visit this night, Owed their lives to these Sailors lay willing to fight.

Soon round the world, the children would play, And grownups would celebrate on Christmas Day.

They all enjoyed freedom each day of the year, Because of the Sailor, like the one lying here.

I couldn't help wonder how many lay alone, On a cold Christmas Eve on a sea, far from home.

The very thought brought a tear to my eye, I dropped to my knees and started to cry.

The Sailor awakened and I heard a calm voice, "Santa, don't cry, this life is my choice."

"Defending the seas all days of the year, So others may live and be free with no fear."

I thought for a moment, what a difficult road, To live a life guided by honor and code.

After all it's Christmas Eve and the ship's underway!

But freedom isn't free and it's sailors who pay.

The Sailor say's to our country "be free and sleep tight, No harm will come, not on my watch and not on this night.

The Sailor rolled over and drifted to sleep, I couldn't control it, I continued to weep.

I kept watch for hours, so silent, so still, I watched as the Sailor shivered from the night's cold chill.

I didn't want to leave on that cold dark night, This guardian of honor so willing to fight.

The Sailor rolled over and with a voice strong and sure, Commanded, "Carry on Santa, It's Christmas, and All is Secure!"

HONOR, COURAGE AND COMMITMENT

PC MAintenance starting the year with good computer habits...

These are some of the things that I NOW automatically do becuase of lessons dearly learned and items lost forever.

Daily:

• Update virus and spyware programs (if they don't do it on their own)
• Back up any work that you have done onto a usb key

When a program crashes ( which in my case outlook does on a regular basis, stillhave not figured it out) close and restart your computer this clears it out.

Weekly:

• Perform a full computer virus scan and spyware scan ( schedule it to be done automatically)
• Back up anything you've worked on and updated that you forgot to back up daily.

Monthly:

Personally I am still behind on this but it is a good idea to check up on all updates for the most used programs.

Yearly:

Which is around now that I start going through all the files I have made during the year, see which ones I absoulutely must have, trash can those I really don't need and file away the rest.

Alos it's bewen advised to vacuum the computer and air blow out for dust. I have several cats and really need to do this more often than once a year.

These and many more tips I have gotten from pcworld.com one of the first places I go to check out for any information on computers.

Housing Forecast 2007

Most housing markets experiencing slowdowns aren't facing fundamental economic problems like job losses and out migration and will see prices correct, rather than collapse, in 2007.

Barring an unforeseen jolt to consumer confidence or a sudden rise in interest rates, the volume of home sales nationwide in 2007 will be similar to or slightly below 2006 levels. In order for this to happen, prices will have to come down in areas that saw rapid appreciation during the boom years.

A "good solid price correction will bring buyers back into the market." said Lereah, National Association of Realtors economist.

Don't expect mortgage rates to go up or down more than 1/2 % in the year ahead because of "a huge flood of Global capital looking for places to invest.

"Sales activity may hold up pretty well, but I think we should prepare for a long extended period" with little price appreciation, Sklarz, head of global research for New City Technology said.

Boom markets headed for a prolonged correction include regions on both coasts that saw rapid price appreciation, plus Las Vegas and Phoenix, Lereah said.

"Job growth is steady, we have low unemployment at 4.4 percent nationwide, and stable, long-term interest rates. These are all solid indicators holding up the economy."

In areas of south Florida where prices rose rapidly during the boom, there's a large supply of inventory, especially condos, Lereah said. Rising insurance costs in the state's coastal areas are prompting others to put their homes up for sale.

Baby boomers looking to retire to a sunny climate will begin settling in northern Florida, which is viewed as less risky to natural disasters and price swings.

Some baby boomers are choosing to leave the Sunshine State behind -- although it's taking them awhile to unload their homes, and they're not getting what they used to for them.

A Raleigh, N.C., broker saidthere has been a "trickle down" effect among buyers relocating to the area from Florida. The homes they leave behind stay on the market longer, and they show up in North Carolina with less cash, the broker said.

Such buyers are nicknamed "half backs" -- people who moved to Florida from the Northeast and now want to move halfway back, stopping in places like the Smoky Mountains and North Carolina.

Drawn by rising property values in their own countries and a weakening of the dollar, foreign investors from Latin America and Europe continue to buy property in Florida, Lereah said. Some 15 percent of homes sold in Florida are purchased by non-U.S. residents, he said.

If you've ever lived in Jersey or known someone from Jersey ..you'll appreciate this!!!

If you've ever lived in Jersey or known someone from Jersey ..you'll appreciate this!!!

· New Jersey is a peninsula.

· Highlands, New Jersey has the highest elevation along the entire eastern seaboard, from Maine to Florida .

· New Jersey is the only state where all of its counties are classified as metropolitan areas.

· New Jersey has more race horses than Kentucky

· New Jersey has more Cubans in Union City (1 sq mi.) than Havana , Cuba .

· New Jersey has the densest system of highways and railroads in the US .

· New Jersey has the highest cost of living.

· New Jersey has the highest cost of auto insurance.

· New Jersey has the highest property taxes in the nation.

· New Jersey has the most diners in the world and is sometimes referred to as the "Diner Capital of the World."

· New Jersey is home to the original Mystery Pork Parts Club (no, not Spam): Taylor Ham or Pork Roll.

· Home to the less mysterious but the best Italian hot dogs and Italian sausage w/peppers and onions.

· North Jersey has the most shopping malls in one area in the world, with seven major shopping malls in a 25 square mile radius.

· New Jersey is home to the Statue of Liberty and Ellis Island

· The Passaic River was the site of the first submarine ride by inventor John P. Holland

· New Jersey has 50+ resort cities & towns; some of the nation's most famous: Asbury Park , Wildwood, Atlantic City , Seaside Heights , Long Branch , Cape May.

· New Jersey has the most stringent testing along our coastline for water quality control than any other seaboard state in the entire country.

· New Jersey is a leading technology & industrial state and is the largest chemical producing state in the nation when you include pharmaceuticals.

· Jersey tomatoes are known the world over as being the best you can buy.

· New Jersey is the world leader in blueberry and cranberry production (and here you thought Massachusetts ? Thanks to those Ocean Spray commercials!)

· Here's to New Jersey - the toast of the country! In 1642, the first brewery in America , opened in Hoboken

· New Jersey rocks! The famous Les Paul invented the first solid body electric guitar in Mahwah, in 1940.

· New Jersey is a major seaport state with the largest seaport in the US , located in Elizabeth . Nearly 80 percent of what our nation imports comes through Elizabeth Seaport first.

· New Jersey is home to one of the nation's busiest airports (in Newark ), Liberty International.

· George Washington slept here, he slept many places it seems.

· Several important Revolutionary War battles were fought on New Jersey soil, led by General George Washington.

· The light bulb, phonograph (record player), and motion picture projector, were invented by Thomas Edison in his Menlo Park , NJ , laboratory. We also boast the first town ever lit by incandescent bulbs.

· The first seaplane was built in Keyport , NJ .

· The first airmail (to Chicago ) was started from Keyport , NJ .

· The first phonograph records were made in Camden , NJ .

· New Jersey was home to the Miss America Pageant held in Atlantic City .

· The game Monopoly, played all over the world, named the streets on its playing board after the actual streets in Atlantic City .

· And, Atlantic City has the longest boardwalk in the world, not to mention salt water taffy.

· New Jersey has the largest petroleum containment area outside of the Middle East countries.

· The first Indian reservation was in New Jersey , in the Watchung Mountains

· New Jersey has the tallest water-tower in the world. ( Union , NJ !!!)

· New Jersey had the first medical center, in Jersey City .

· The Pulaski SkyWay, from Jersey City to Newark , was the first skyway highway.

· NJ built the first tunnel under a river, the Hudson ( Holland Tunnel) see above for the name.

· The first baseball game was played in Hoboken , NJ , which is also the birthplace of Frank Sinatra.

· The first intercollegiate football game was played in New Brunswick in 1889 ( Rutgers College played Princeton ).

· The first drive-in movie theater was opened in Camden , NJ , (but they're all gone now!).

· New Jersey is home to 2 out of 3 of " NEW YORK 'S" pro football teams!

· The first radio station and broadcast was in Paterson, NJ.

· The first FM radio broadcast was made from Alpine, NJ, by Maj. Thomas Armstrong.

· All New Jersey natives: Sal Martorano, Jack Nicholson, Bruce Springsteen, Bon Jovi, Jason Alexander, Queen Latifah, Susan Sarandon, Connie Francis, Shaq, Judy Blume, Aaron Burr, Joan Robertson, Ken Kross, Dionne Warwick, Sarah Vaughn, Budd Abbott, Lou Costello, Alan Ginsberg, Norman Mailer, Marilynn McCoo, Flip Wilson, Alexander Hamilton, Whitney Houston, Eddie Money, Linda McElroy, Eileen Donnelly, Grover Cleveland, Woodrow Wilson, Walt Whitman, Jerry Lewis, Tom Cruise, Joyce Kilmer, Bruce Willis, Caesar Romero, Ovi Garcia, Lauryn Hill, Ice-T, Nick Adams, Nathan Lane, Sandra Dee, Danny DeVito, Richard Conti, Joe Pesci, Joe Piscopo, Joe DePasquale, Robert Blake, John Forsythe, Meryl Streep, Loretta Swit, Norman Lloyd, Paul Simon, Jerry Herman, Gorden McCrae, Kevin Spacey, John Travolta, Phyllis Newman, Anne Morrow Lindbergh, Eva Marie Saint, Elisabeth Shue, Zebulon Pike, James Fennimore Cooper, Admiral Wm.Halsey,Jr., Dave Thomas (Wendy's), William Carlos Williams, Ray Liotta, Ron Vigneri, Robert Wuhl, Bob Reyers, Paul Robeson, Ernie Kovacs, Joseph Macchia, Kelly Ripa, and, of course, Francis Albert Sinatra and "Uncle Floyd" Vivino.

· Bob Meade adds: The Great Falls in Paterson, on the Passaic River, is the second highest waterfall on the East Coast of the US

You know you're from Jersey when . . .

· You don't think of fruit when people mention "The Oranges."

· You know that it's called Great Adventure, not Six Flags.

· A good, quick breakfast is a hard roll with butter.

· You've known the way to Seaside Heights since you were seven.

· You've eaten at a diner, when you were stoned or drunk, at 3 A.M.

· You know that the state isn't one big oil refinery.

· At least three people in your family still love Bruce Springsteen, and you know the town Jon Bon Jovi is from.

· You know what a "jug handle" is.

· You know that WaWa is a convenience store; if you're from the shore, us Northerns know Quick Checks!

· You know that the state isn't all farmland.

· You know that there are no "beaches" in New Jersey --there's the shore--and you don't go "to the shore," you go "down the shore." And when you are there, you're not "at the shore"; you are "down the shore."

· You know how to properly negotiate a circle.

· You knew that the last sentence had to do with driving.

· You know that this is the only "New" state that doesn't require "New" to identify it (try . . . Mexico . . York ..! . . Hampshire-- doesn't work, does it?).

· You know that a " White Castle " is the name of BOTH a fast food chain AND a fast food sandwich.

· You consider putting mayo on a corned beef sandwich a sacrilege.

· You don't think "What exit?" is very funny.

· You know that people from the 609 area code are "a little different."
· Yes they are!

· You know that no respectable New Jerseyan goes to Princeton--that's for out-of-staters.

· The Jets-Giants game has started fights at your school or local bar.

· You live within 20 minutes of at least three different malls.

· You refer to all highways and interstates by their numbers.

· Every year you have at least one kid in your class named Tony.

· You know the location of every clip shown in the Sopranos opening credits.

· You've gotten on the wrong highway trying to get out of the mall.

· You know that people from North Jersey go to Seaside Heights , and people from Central Jersey go to Belmar, and people from South Jersey go to Wildwood. It can be no other way.

· You weren't raised in New Jersey --you were raised in either North Jersey, Central Jersey or South Jersey .

· You don't consider Newark or Camden to actually be part of the state.

· You remember the stores Korvette's, Two Guys, Rickel's, Channel, Bamberger's and Orbach's.

· You also remember Palisades Amusement Park

· You've had a boardwalk cheese steak and vinegar fries.

· You start planning for Memorial Day weekend in February.

And finally ...

· You've NEVER, NEVER, NEVER, EVER pumped your own gas.

Christmas Time Giving

We at the office have been giving every year to needy families sponsored by YMCA.
This year we found a person who is always looking for items for families that don't have anything. He'll tak any kind of furniture etc. If you have something sitting in the attic, basement or garage call me and I'll be glad to give Joe's number or make arrangments for pick up.
While this is always at the fore front during the Holidya season. Remember people always are in need ALL year round.

http://www.realestateshows.com/112399

Just a little fun I put together on how people view real estate. I hope you enjoy and get a good laugh.

Friends come in all sizes....

Friends come in all sizes....
They will support you....

And respect your creativity for thinking outside the box....
They'll be there when you need a shoulder to lean on....
Or a great big hug....

A true friend takes interest in
understanding what you're all about....
They see beyond the black and white to discover your true colours....
And accept you just the way you are...
Even when you just wake up in the morning
So make your own kind of music....


Follow your heart wherever it takes you....

And when someone reaches out to you,
Don't be afraid to love them back....
They may just be a friend for life....

Practice patience
and tolerance.....






Good friends are hard to find, harder to leave....
And impossible to forget!

State of the real estate market 3rd quarter Review

These are the active CLOSED SALES price range for monmouth county NJ
Town ActiveSOLD Price range 2006
Atlantic Highlands $300,000 - $349,999 5
Atlantic Highlands $550,000 - $599,999 6
overall Atlantic Highlands is down 42%

Little Silver $550,000 - $599,999 10
Little Silver $600,000 - $699,999 10
overall Little Silver is down 26.1

Long Branch $250,000 - $299,999 14
Long Branch $300,000 - $399,999 56
Long Brnach $400,000 - $499,999 29
overall Long Branch is down 12%

Monmouth Beach $1,000,000 - $1,499,999 6

Rumson $1,000,000 - $1,499,999 14
Rumson $2,000,000 - Above 20
overall Rumson is down 19%

Fair Haven $600,000 - $699,999 10
Fair Haven $1,000,000 - $1,499,999 11
over all Fair Haven is down 10.7

Highlands $250,000 - $49,999 13
overall Highlands is down 28%

Red Bank $300,000 - $399,999 25
Red Bank $450,000 - $499,999 13
overall Red Bank is down 5%

Oceanport $400,000 - $499,999 14
overall Oceanport is down 10.4%

As of right now Monmouth County is down 17%.

What does all this mean to you? Well it means that the market has definitely slowed down and that there ARE sales as long as the property is priced well.

If you want more detailed information go to my newly created website: http://www.monmouthcountymarketwatch.com/ and on a monthly basis you will see what is happening to Monmouth county and its towns.

If you are interested in receiving monthly updates on what's happening in your neighborhood please email me and Ill start sending you that information.

Eight Tips To Get Your Home Ready For Winter

Eight Tips To Get Your Home Ready For Winter

With winter just around the corner, now is the time to give your home a "check-up". Here are eight tips from Comfort Institute on what to look for and take care of to make sure your home is ready for those cold north winds.

1. Have your duct system tested for air leaks.
Many think that windows and doors are the major cause of a home's air leaks. But according to recent research by the Department of Energy (DOE), gaps, cracks and disconnections in the typical home's duct system are much more significant. The DOE states that the typical duct system loses 25% to 40% of the energy put out by the central furnace, heat pump or air conditioner. Leaks are usually the biggest problem. Click here for some key information on ducts from the Department of Energy.

2. Close any crawlspace vents.
If your home or any part of it are over a crawlspace, make sure the vents are closed for the winter. They should only be open for spring and fall. Recent research finds that in most climates, leaving them open in the summer actually brings in more unwanted moisture! Many building scientists are now recommending drying out crawlspaces, covering the exposed soil with a sealed plastic vapor barrier, and sealing and insulating the crawlspace walls permanently. Stayed tuned for more information on this topic.

3. Ask your heating contractor to perform an Infiltrometer "blower door" test.
The blower door is a computerized instrument originally invented by the Department of Energy. It pinpoints where your home's worst air leaks are, and also measures a home's overall leakiness. While most homes are still far too leaky, some are too airtight, and need mechanical ventilation to ensure the air inside is fresh. For more information, click here to visit the CI Whole House Comfort Checkup web page.

4. Replace your furnace or heat pump air filter.
Most systems need this done every month to ensure safe and efficient operation. (Some systems, such as electronic air cleaners, need to be thoroughly washed.) Consider upgrading your system's air filter. The standard filter is there to help protect the equipment, not to clean the air in your home. Ask your heating contractor for information on new high efficiency air filters that can capture over 90% of the breathable particles of concern.

5. Have your heating system cleaned and tuned by a qualified contractor.
A pre-season tune up is a good investment. It reduces the chances of breakdowns in the middle of winter, and more than pays for itself through more energy efficient operation. Click here to view the CI Special Report: How To Identify a Good Heating and Cooling Contractor. While it is geared more towards finding a good contractor to replace old equipment, many of the tips are valuable for identifying a good service company.

6. Have your system checked for carbon monoxide and install a CO alarm.
When performing a furnace tune up, a good contractor will also offer to test your system for hazardous carbon monoxide (CO). CO can be produced by a dirty or malfunctioning gas or oil furnace or water heater. Every home should have at least one CO alarm. They are available from most heating contractors, as well as many retail outlets. Click here to read the CI Special Report "What You Need to Know About Carbon Monoxide".

7. Adjust your thermostat to a cooler temperature when away or when sleeping.
Why heat your house when no-one's at home or everyone's under the blankets? Even just a five degree setback each night can save up to 10% on your heating bill. Save even more by setting back during the day when no-one's home. Even though the system will run a while to warm the house up, you still save money. If it's too much bother, ask your contractor to install a new programmable automatic thermostat. The new ones are reliable and very easy to use.

8. Consider replacing your old furnace or heat pump.
Just like a car, heating equipment doesn't last forever. If your system is over 12 years old and you are planning to stay in your home more than a few years, many authorities recommend considering replacing it before it fails permanently. A new system is safer, more dependable, and can pay for itself by being up to twice as energy efficient.
However, recent research has found that many newly installed systems have energy wasting mistakes. View the CI Special Report Tips and Secrets To Buying A New Heating and Cooling System.

as sent to me by Peter Bennet A Full House Inspection.

the climate is slowly starting to turn and higher rates

Although rates have recently dropped, the climate is slowly starting to turn and higher rates may soon be here. Mortgage backed securities still trending higher and we are in a neutral position. Technically, bonds continue to trade sideways within the well defined upwardtrend. Prices may continue this sideways pattern until the arrival ofFriday's Jobs Report. Presently economists are forecasting 120,000 new jobsto be created. However, we need to keep a close eye out, as process couldreverse from their present lofty levels rather quickly.

Michael Taffuri
Branch Manager
Countrywide Home Loans
1048 Highway 35
Shrewsbury, NJ 07702
732 544 1010 ext. 221
866 805 3696 ext. 221
732 544 9318 fax

COSTELLO CALLS TO BUY A COMPUTER FROM ABBOTT

(someone sent me this email and I had to post it)

COSTELLO CALLS TO BUY A COMPUTER FROM ABBOTT

ABBOTT: Super Duper computer store. Can I help you?
COSTELLO: Thanks. I'm setting up an office in my den and I'm thinking about buying a computer.
ABBOTT: Mac?
COSTELLO: No, the name's Lou.
ABBOTT: Your computer?
COSTELLO: I don't own a computer. I want to buy one.
ABBOTT: Mac?
COSTELLO: I told you, my name's Lou.
ABBOTT: What about Windows?
COSTELLO: Why? Will it get stuffy in here?
ABBOTT: Do you want a computer with Windows?
COSTELLO: I don't know. What will I see when I look at the windows?
ABBOTT: Wallpaper.
COSTELLO: Never mind the windows. I need a computer and software.
ABBOTT: Software for Windows?
COSTELLO: No. On the computer! I need something I can use to write proposals, track expenses and run my business.? What do you have?
ABBOTT: Office.
COSTELLO: Yeah, for my office. Can you recommend anything?
ABBOTT: I just did.
COSTELLO: You just did what?
ABBOTT: Recommend something.
COSTELLO: You recommended something?
ABBOTT: Yes.
COSTELLO: For my office?
ABBOTT: Yes.
COSTELLO: OK, what did you recommend for my office?
ABBOTT: Office.
COSTELLO: Yes, for my office!
ABBOTT: I recommend Office with Windows.
COSTELLO: I already have an office with windows! OK, let's just say I'm sitting at my computer and I want to type a proposal.? What do I need?
ABBOTT: Word.
COSTELLO: What word?
ABBOTT: Word in Office.
COSTELLO: The only word in office is office.
ABBOTT: The Word in Office for Windows.
COSTELLO: Which word in office for windows?
ABBOTT: The Word you get when you click the blue "W".
COSTELLO: I'm going to click your blue "w" if you don't start with some straight answers.? What about financial bookkeeping? You have anything I can track my money with?
ABBOTT: Money.
COSTELLO: That's right. What do you have?
ABBOTT: Money.
COSTELLO: I need money to track my money?
ABBOTT: It comes bundled with your computer.
COSTELLO: What's bundled with my computer?
ABBOTT: Money.
COSTELLO: Money comes with my computer?
ABBOTT: Yes. No extra charge.
COSTELLO: I get a bundle of money with my computer? How much?
ABBOTT: One copy.
COSTELLO: Isn't it illegal to copy money?
ABBOTT: Microsoft gave us a license to copy Money.
COSTELLO: They can give you a license to copy money?
ABBOTT: Why not? THEY OWN IT!
(A few days later)
ABBOTT: Super Duper computer store. Can I help you?
COSTELLO: How do I turn my computer off?
ABBOTT: Click on "START".............
______________

The American Dream Can Be A Reality

Ten Tips to select a great townhouse, condo community.

Townhouses, condos and other association governed communities enable the average American to live "like a Hilton" affording such luxuries as swimming pool, spa, tennis courts, golf course, docks, river view , ocean view or health and fitness center - right in their own back yard.

Through shared ownership in a community residents can enjoy recreational facilities and amenities that otherwise would be cost prohibitive for them individually.

An additional benefit is that homeowners do not have direct responsibility for maintenance and they usually feature attractive combinations of well designed homes and landscaped open areas. Ownership in an association governed community can also save homeowners on property taxes and typically cost less than traditional housing due to more efficient use of land.

How do you know when a community is right for you?

Top 10 List of questions to ask and things to consider when purchasing a home or condo in an association governed community.

10. Think about how long you're going to stay in one place. You will also need to evaluate how your needs will change over the years abd plan for what will satisfy your needs in the future. (ie: planning a family, retirement..)

9. Give a lot of thought to what you want and know yourself. Are you looking for a social environment or just a quiet place to relax? Is a singles atmosphere for you? Will you take advantage of the arts and crafts classes? If you're not interested in the or sauna, you will still be paying for it in ongoing monthly association fees. Think about which amenities you, your family and your expected quests will get used on a regular basis.

8. Comparison shop. Visit several condos, tongues, homes to know what's available and to get a sense of prevailing prices. Find the right place for you and don't just settle.

7. Get pre-qualified for a mortgage. Obtain your credit report from all 3 credit reporting agencies, check it for errors, and then determine how much you can comfortably afford on a down payment. In New Jersey you can get FREE credit report once a year.

6. Find out if the community you are interested in has a good reputation. Ask current residents how often repairs and maintenance is required and how good the soundproofing is between units.

5. Check out parking, storage, security and other necessities. Make sure there is ample storage space to avoid future inconvenience. Ensure there is enough parking in cases when you've more than one vehicle. Understand what the parking rules are before you move in.

4. Ask to see the minutes from a recent meeting of the homeowners association for the community. Identify the hot button issues and the dynamics of the relationships between current members, the board and homeowners.

3. Check the homeowners association history of maintenance fees and special assessments to see how often they have been increased in the past 10 years and how large the increases have been. This information will help you gauge at what level you may be assessed in the future and indicates how well-managed the buildings and common ground are. Well managed associations grounds usually make for lower maintenance fees, and lessen the chance for special assessments to cover un budgeted repairs.

2. Factor these association maintenance fees into your personal budget, which are above and beyond your monthly mortgage payment.

1. Make an offer and close the deal to enjoy all the benefits of living in an association governed community. Participate in the process of running your community through board or committee service.

DISASTER READY

Being Prepared Ahead of Time

A disaster supplies kit should be an essential part of your family's mergency plan. Here are some things you should have on hand in case of disaster.

Clothing and bedding

• At least one change of clothes and footwear per person
• rain gear
• Blankets and sleeping bags
• Hat and gloves

Tools and Supplies

• Flashlight and extra batteries
• paper cups, plate and plastic utensils
• Cash, traveler's checks and change
• matches in Waterproos container
• non-electric can opener and utility knife
• battery operated radia and extra batteries

Sanitation

• Toilet paper towelettes
• Soap and liquid detergent
• Feminine suppkies
• Disinfectant , hand sanitizer and bleach

Food and Water

• Ready to eat canned meat, fruits, vegetables, jucie, milk and soup
• One gallon water per person per day

Special Items

• Medications - prescriptions and non prescriptions
• Documents like a lease, bank information and identifications (copies in a ziploc bag)
• Inventory of valuable
• Special Supplies for ederly and infants
• Also don't forget about your PETS

This is just a beginning. Customize this to your needs.

DON"T PROCRASTINATE!

"HOW TO SURVIVE A HEART ATTACK WHEN ALONE":

(Here's an email I received just the other day,I hope it's not a hoax, I feel it is important. enough to publish)

HEART ATTACK PROCEDURE": (THIS IS NOT A JOKE!)
Women should know that not every heart attack symptom is going to be the left arm hurting (for women, sometimes it could be the right arm.)

Be aware of intense pain in the jaw line. You may never have the first chest pain during the course of a heart attack.

Nausea and intense sweating are also common symptoms, as well as epigastric pain under the breastbone. 60% of people who have a heart attackwhile they are asleep do not wake up.

The more we know, the better chance we could survive...

Let's say it's 6:15 pm and you're driving home (alone of course), after an unusually hard day on the job. You're tired, upset and frustrated. Suddenly you start experiencing severe pain in your chest that starts to radiate out into your arm and up into your jaw. You are only about five miles from the hospital nearest your home. Unfortunately, you don't know if you'll be able to make it that far. You have been trained in CPR, but the guy that taught the course did not tell you how to perform it on yourself.

"HOW TO SURVIVE A HEART ATTACK WHEN ALONE":

Since many people are alone when they suffer a heart attack, without help, the person whose heart is beating improperly and who begins to feel faint, has only about 10 seconds left before losing consciousness.

However, these victims can help themselves by coughing repeatedly and very vigorously.

A deep breath should be taken before each cough, and the cough must be deep and prolonged, as when producing sputum from deep inside the chest.

A breath and a cough must be repeated about every two seconds without let-up until help arrives, or until the heart is felt to be beating normally again.

Deep breaths get oxygen into the lungs and coughing movements squeeze the heart and keep the blood circulating.

The squeezing pressure on the heart also helps it regain normal rhythm.

In this way, heart attack victims can get to a hospital.

Tell as manyother people as possible about this. It could save their lives!! "

**PLEASE BE A "TRUE" FRIEND AND SEND THIS ARTICLE TO ALL YOUR FRIENDSYOU CARE ABOUT

Take Time

Take time to THINK...

It is the source of power.

Take time to to PLAY...

It is the secret of perpetual youth.

Take time to READ...

It is the fountain of wisdom.

Take time to PRAY...

It is the greater power on earth.

Take time to LOVE and

BE LOVED...

It is a God-given privelege.

Take time to BE FRIENDLY...

It is the road to happiness.

Take time to LAUGH...

It is the music of the soul.

Take time to GIVE..

It is too short a day to be selfish.

Take time to WORK...

It is the price of success.

Take time to DO CHARITY...
It is the key to heaven.


Words and actions I try to live by.

Sellers Are you Serious About SELLING?...

Saturday I was getting ready to show houses, so I started my usual routine, even though in this market it may not be neccessary one never knows. First I call the listing office to see if the property is still available. Second I look at the "listing" home info paperwork to see how it is to be shown, make appt, don't let cat out etc. ...

I could NOT believe how many of the houses on the market had some sort of restriction.

Hello this is a BUYERS market!!!

Are you interested in SELLING?

Then make it easy for the Buyers' Agent and Buyers to see the house!!!

And Yes I am screaming at the top of my lungs!!!!!

The frustration I was going through trying to set up the appointments, accomodate the listing agent, the owner and of course my buyers timing was absolutely insanity.

I can understand if you have a dog, that needs to be taken out or put in the garage or put in a cage while being shown. No Problem. I don't want it to munch on me or my buyers.

To NOT put a lock box on your door, to have your agent accompany me to let me in or the owner MUST be present or called ahead of time during the showings, that's ridiculous.
That's why I 'm calling 24 hours ahead of time to let you know, to prepare the house for the showing. ( Yes, sometimes it isn't 24 hours ahead of time and then whatever happens is fine, however NO LOCK BOX is inexcusable. Not showing it is also inexcusable; after all you are selling? Aren't you?)

It doesn't make it easy for me to explain to my buyers why I am going through all these hoops in order to show a property. They wonder "what kind of Realtor is she that she has to be let in?" or worse yet "Is the owner really interested in Selling?"
I can't tell you how many times I have had to field that question.

Speaking for myself, my buyers are pre-screened to make sure they can afford to purchase the properties I am showing. This is a business and I am NOT going to waste my time nor gas with "lookiloos" because it is raining outside and they want to waste time while at the "Jersey Shore". I am not a "Jersey Shore" House Tour Guide!

So SELLERS, when you read this explosive missive, think about the BUYERS that are interested in seeing your property, after all they are FEW and FAR APART.

SELLERS, make it easy to show, because believe me they are plenty of properties out there and I WILL show what is easy BEFORE anything is complex and convoluted that I can personally promise you (and I am sure other realtors feel the same way and may not express it out loud)!

This is NOT the time to sample the market and see what the market will bear.

You are either SELLING or NOT!

Math trick you Gotta Try...

Here is a math trick so unbelievable that it will stump you.

1. Grab a calculator. (you won't be able to do this one in your head)

2 Key in the first three digits of your phone number (NOT the area code)

3. Multiply by 80

4. Add 1

5. Multiply by 250

6. Add the last 4 digits of your phone number

7. Add the last 4 digits of your phone number again.

8. Subtract 250

9. Divide number by 2

Do you recognize the answer?

HOW TO CLEAN THE HOUSE

Smile for the day

HOW TO CLEAN THE HOUSE

1. Open a new file in your PC.
2. Name it "Housework".
3. Send it to the RECYCLE BIN.
4. Empty the RECYCLE BIN.
5. Your PC will ask you, "Are you sure you want to delete Housework permanently?"
6. Calmly answer, "Yes," and press mouse button firmly ......
7. Feel better?

How to get a Human Being on the Phone....

If ever you get annoyed trying to get a "real human"
on the phone for customer service, this might help
you:
http://gethuman.com/us/

House Passes Bill to Modernize FHA Loans

House Passes Bill to Modernize FHA

By a vote of 415 to seven (10 votes not cast) the U.S. House of Representatives passed The Expanding American Homeownership Act (H.R. 5121) on July 26, which will modernize and update the National Housing Act, and let the Federal Housing Administration (FHA) use new pricing structures to more effectively reach underserved borrowers. The bill now moves to the Senate.

The Act would:

Eliminate the current statutory 3% minimum down payment on FHA loans, reducing a significant barrier to homeownership. FHA's existing down payment requirement does not meet the demands of today's marketplace, where most first-time homebuyers put down 2% or less. FHA would also offer a variety of down payment options.

Create a new, risk-based insurance premium structure for FHA that would match the premium amount with the credit profile of the borrower. FHA would have the flexibility to charge a lower premium for low-risk borrowers.

Increase and simplify FHA's loan limits. FHA's loan limit in high-cost areas would rise from 87% to 100% of the Government Sponsored Entity conforming loan limit. In lower-cost areas from 48% to 65% of the conforming loan limit.

In many areas of the country, the existing FHA limits are lower than the cost of new construction, eliminating FHA financing as an option for buyers of new homes in those markets.

17 Truths to Remember

Truths to Remember

1. Faith is the ability not to panic

2. If you worry you didn't pray. If you pray don't worry

3. Blessed are the flexible for they shall not be bent out of shape.

4. Do the math. Count your Blessings.

5. Dear God: I have a problem. It's me.

6. Silence is often misinterpretated, but never misquoted.

7. Laugh every day, it's like inner jogging.

8. The most important things in your home are the people and non people (pets)

9. Growing old is inevitable, growing up is optional.

10. There is no key to happiness. The door is alway OPEN

11. A grudge is a heavy thing to carry.

12. He who dies with the most toys....... is still DEAD

13. We do no remember days we remember moments. Life moves too fast, so enjpy your precious MOMENTS

14. Nothing is real, until you experience it; otherwise it's just hear say.

15. Its all right to sit on your pity pot every now and again......................................Just be sure to flush it when you're done.

16. Surviving and living your life successfully requires courage. The goals and dreams you're seeking require courage and risk taking. Learn from the turtle, it only make progress when it sticks out its neck.

17. Be more concerned with your character than you reputation. Your character is what you really are, while your reputation is merely what others think you are.

"Author unknown"

11 Things Kids will NOT Learn in School

11 Things Kids will NOT Learn in School

Bill Gates recently gave a speech at a high School about 11 things they did not and will not learn in school. He talks about how feel-good, politically correct teachings created a generation of kids with no concept of reality and how this concept set them up for failure in the real world.

Rule 1: Life is not fair - get used to it!

Rule 2: The world won't care about your self esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.

Rule 3: You will NOT make $60,000 a year right out of high school. You won't be a vice-president with a car phone until you earn both.

Rule 4: If you think your teacher is tough, wait till you get a boss.

Rule 5: Flipping burgers in NOT beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.

Rule 6: If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.

Rule 7: Before you were born, your parents weren't as aboring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.

Rule 8: Your school may have done away with winners and losers, but Life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY ITEMS as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in Real Life.

Rule 9: Life is not divided not semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF> Do that on your own time.

Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.

Rule 11: Be nice to nerds. Chances are you'll end up working for one.

The Greatest List to Live By

The most destructive habit..............................................Worry
The greatest Joy.........................................................Giving
The greatest loss.......................................Loss of Self Respect

The most satisfying work.......................................Helping Others
The ugliest personality..............................................Selfishness
The most endangered species..............................Dedicated Leaders

Our greatest natural resource......................................Our Youth
The greatest "shot in the arm"................................Encouragement
The greatest problem to overcome.........................................Fear
The most effective sleeping pill.................................Peace of mind
The most crippling failure disease......................................Excuses
The most powerful force of life............................................Love

The most dangerous pariah...........................................A gossiper
The world's most incredible computer................................The Brain
The worst thing to be without..............................................Hope

The deadliest weapon.................................................The Tongue
The two most power-filled words........................................"I Can"
The greatest asset........................................................Faith
The most worthless emotion............................................Self-pity

The most beautiful attire...................................................SMILE!
The most prized possession................................................Integrity

The most powerful channel of communication...............................Prayer
The most contagious spirit..............................................Enthusiasm

Solitude is a great place to visit
but a poor place to stay.

The more Real Estate Agents you use...

MYTH: "The more real estate agents you use to shop with, the better chance you'll have of seeing all the properties on the market and getting a good deal."

REALITY: With today's computerized multiple listing service and cooperation between real estate companies, buyers don't have to work with several agents to get to all the housing inventory. In fact, today, with buyer brokerage, agents show the best properties to their clients first. Buyers who link up with an agent and show loyalty to that agent get better service than buyers who skip from agent to agent.

IMPORTANT NUMBERS....

Everyone should have :)

George W Bush
(202) 456-1414

Pope Benedict XVI
00396/69 82

Vladimir Putin
007/095-205 25 11

Queen Elizabeth II
011-44-71/930-48 32

Rush Limbaugh
(800) 282 - 2882

For your important
Real Estate needs at the Jersey Shore, call:

Gloria Benaroch "Gloria B" for short
Direct:732-245-4031
Coldwell Banker REsidential Brokerage
Rusmon NJ 07760

A realtor gave me this at a seminar I thought it was the greatest! :)

Cities offering the best quality of life

Seven of the 10 highest-ranked cities that offer the best quality of life are in Western states, according to a study that identifies American "dreamtowns."

Topping the list is Bozeman (MT) where the weather can be very chilly but there are other attractive benefits such as a stunning mountain view and intellectual energy from Montana State University.

Bozeman also was No. 1 because its number of small businesses grew by almost 28 percent during the past five years, its population increased 15.3 percent in the same period and 41 percent of its residents have at least a bachelor’s degree.

American City Business Journals, a nationwide chain of weekly business newspapers, ranked the quality of life in small metropolitan areas. Its study looked at hundreds of cities with populations between 10,000 and 50,000 based on their per capita income and income growth, small business growth, ease of commuting, taxation, education and the number of available managerial and professional jobs.

These are the cities that rounded out the rest of the top 10:

• Jackson (WY)
• Durango (CO)
• Easton (MD)
• Laramie (WY)
• Edwards (CO)
• Kill Devil Hills (NC)
• Pierre (SD)
• Silverthorne (CO)
• Los Alamos (NM)

The study was inspired by increasing public interest in small-town life and business opportunities.

Did you know that more than 1.7 million people move from metropolitan areas to small cities or rural counties each year, according to U.S. Census Bureau research.

The study identifies the small communities that would be most attractive to people considering such a move.

NJ Race for Cure Sun Oct 29 2006

I am proud and just wanted to let you know that my neice is taking part in the Komen New Jersey Race for the Cure on Sunday, October 29, 2006.

The Komen Foundation raises money to fight against breast cancer. The best part is that 75% of funds raised stay in central and south New Jersey for education and screening programs.

You can make an online donation of $25, $50, $100 or any amount by visiting her personal donation page and helping me reach my fundraising goal. click on this link http://tinyurl.com/l2y47

Dining Out Review

My husband and I eat out a lot and as a result we visit a lot of restaurants. This weekend was nothing different except for 3 days in a row we had excellent meals.
Our tastes are very simple. I can't eat seafood (allergic) and my husband loves it.

So Friday night we went to a restaurant in Long Branch on Broadway, down by the Oak street liquors store. I had chicken broccoli and he had beef broccoli. The beef and chicken just melted in your mouth. The sauce was on the sweet side. We've eaten there before and the food is consistently good.

Saturday we went to listen to the concert in West End. Don't really want to talk about that. The cars on display were fantastic! This time we ate at Jessies a health food restaurant on Brighton Ave Long Branch. I remember when it used to be a health food and vitamin store. We ended up both of us ordering the chicken quesadilla. Wow! What a great surprise. While it did have some black beans they were not overwhelming the chicken was very nicely spiced and again not overdone and not smothered in cheese.

Finally Sunday night we went to Jack-a-Bob in Union Beach. What a great little place. It is in the Bayshore area and if you're not familiar with our area it is along the bay water and not the ocea. The resataurant sits ontop of pilings and when it is high tide you are literally sitting above the water a little uncanny and needs getting used to. We've been there before and were disappointed with the food about 2 to 3 years ago. We've heard rumblings that the food was good so we went to try it out again and if the food was not great the surroundings were fantastic. You can see the New York skyline, Staten Island and Brooklyn on a cloudless day or night. So with that we were very pleasantly surprised. We had bruschetta for appetizer, now most will not like this as the bread was not hard toasted. I loved it just because of that. I had angel hair scampi with chicken and oh boy was that good not many places offer that. My husband had some sort of assorted sea food dish over angel hair pasta and he said that the seafood was very fresh. The place even looked and smelled clean compared to past times. I highly recommend going their for the ambiance not many places around like it.
Well that's it for this week's food critic hope you like and will try these places out. will post addresses and phone numbers also as soon as I find the match books.

September 2006 Local Happenings

September 1 - Annual Ocean Grove Memorabilia Auction will begin at 5 pm at the Youth Temple, Ocean Grove. A preview will be held from 3-5 pm. Call (732) 774-1869 or go to www.oceangrovehistory.org

September 2 - Stroll the Annual Craft Show from 9 am to 4 pm on the boardwalk in Ocean Grove. Call (732) 774-1869 or go to www.oceangrovehistory.org

September 2 - Enjoy the sweet sounds of the Jazz Fest from 3 to 10 pm. This is a great festival featuring well-known Jazz & Blues Artist on the Great Lawn by the Promenade, Long Branch. Call (732) 923-2044 www.longbranch.org

September 3 - Highlands 6th Annual Classic Car Show will run from 11 am to 3 pm at Huddy Park, Bay Ave, Highlands. Call (732) 291-4713 or go to www.highlandsnj.com

September 3 - Check out the Big Band Swing Night starting at 5 pm. This show, featuring the Jazz Lobsters as well as a dance contest, will be held at the Municipal Parking Lot Brighton Av, Long Branch. Call (732) 923-2044 or go to www.longbranch.org

September 6 - Brookdale Community College invites the public to view a moving pre and post 9/11 photograph tribute by award winning local photographers Gary Gellman, Howell, and Veronica L. Yankowski, Bloomfield. The special exhibit will be on display at the Western Monmouth Branch Campus, 3680 Route 9 South, Freehold, September 6 - 20. Monday through Thursday viewing hours will be 10 am to 7 pm and Fridays from 10am to 5 pm. The exhibit is free and the public is invited to a Meet the Artist reception in the gallery Monday, September 11 from 5:00 p.m. - 7:00 p.m. A special invitation is extended to middle and high school students to attend the reception and ask the photographers about their work. The Western Monmouth Branch Campus is located behind the Bank of America. The photographs will be on display in room 101. For more information regarding the reception and exhibit, call 732-625-7005.

September 7 - Enjoy the sounds of Bobby Byrne with Irish Songs & Humor starting at 7 pm at the Huisman Gazeboon Ocean Ave & So. Lake Dr in Belmar. Call (732) 681-3700 or go to www.belmar.com

September 7 thru 10 Eastern Surfing Assoication Tournament 7am to 4pm at the 17th avencue Beach 732-681-3700

September 7 thru September 10 Riverfest at Monmouth Park 12 noon. Top contemporary jazz artists, wine tasting, arts & Crafts festival. Children's rides & activites. Monmouth Park Race track Oceanport

September 7 thru 10 Annual NHRA Lucas Oil Sportsman Dragg Racing Series at raceway PArk 230 Pension Rd. Englishtown Call 732-446-7800

September 9 - Steamboat Dock Museum’s Annual Arts & Crafts Holiday Bazaar featuring Fall & Holiday Items at the Steamboat Dock Museum and happily sponsored by the Keyport Historical Society. Baked goods and Lunch, great soup, desserts, refreshments will be for sale. Admission is free. The Steamboat Dock Museum is located on Broad Street on the Bay, Keyport. Please call the following member’s phone number for additional information, Eloise at (732) 264-5097 or the Keyport Historical Society (732) 739-6390

September 9 - Long Branch Day features broadway classic 5k & Annual bocce ball and horsehsoe competition. 732-923-2044

September 9 - Author lecture and book signing by Vietnam veteran, Carey J. Spearman, featuring his newest book, "36 Years and a Wake-Up," about his recent return to Vietnam, will be presented by the New Jersey Vietnam Veterans' Memorial Foundation at 1 pm at the Vietnam Era Educational Center, located adjacent to the Memorial in Holmdel, off Exit 116 of the Garden State Parkway. Suggested donation $5. Call (732) 335-0033 or go to www.njvvmf.org.

September 9 - Oceanport Festival 30th Annual Anniversary Summe's End. Live bands, food, fire works, spin art, face paiting, sand art and much more. Blackberry Bay, Port Au Peck Ave and Horicon 732-688-4922

September 9 - Giant Fall Flea Market 9am to 4pm Ocean Pathway Ocean Grove 732-7741391

September 9 & 10 - The Pine Creek Railroad of Historic Allaire State Park once again will celebrate Railroaders Weekend. As always, everything that runs, does. Multiple trains, multiple locomotives, shop tours, displays, exhibits, much more. Train fare is $5 per person, rest of show is FREE. Trains leave every half hour from 11 am to 4:30 pm. Located in Historic Allaire State Park, 4265 Route 524 Atlantic Ave., Allaire (Wall Twp) NJ, two miles west of GSP Exit 98 and Route 34, one mile east of I-195 Exit 31. Call 732-938-5524 for info, or visit online at http://rd.bcentral.com/?ID=4414179&s=50852572

September 10 - The Jersey Coast Chapter of the American Red Cross is pleased to host the 9th Annual Rock 'n Ride Bike Tour. A leisurely day is planned for fun in the sun, with music, prizes and refreshments for families and friends. Riders can cruise a 10-mile course (beginning at 9:30 a.m.) or peddle the 40-mile trek (beginning at 9:00 a.m.) stretching the length of the island. The tour will take you through some of Long Beach Island's historic parks, beautiful communities and scenic areas. Pre-registration is $15 for adults and $10 for children (12 and under). For more information about the Rock 'n Ride Bike Tour, please feel free to call Nicole at 1-888-853-6550, ext. 227 or visit http://www.jerseycoast-redcross.org/

September 10 - What are beach plums, where do you find them and how do you make jelly out of them? Those are some questions visitors will have answered at the 9th annual Beach Plum Festival in Island Beach State Park. In addition to a craft show, there will be environmental displays and talks. There will also be bird banding and lifeguard demonstrations, games for children and beach walks, all set in one of New Jersey's most beautiful seascapes. “The Return of the Peregrine Falcon” which was filmed at Island Beach Park will be shown. There will be several food vendors and a kayak donated by Yakkity-Yaks will be raffled. The Glimmer Grass Band will provide live entertainment throughout the day. Activities begin at 9 am and continue until 4 pm. Contact: Island Beach State Park Diane Bennett at 732-793-1698

September 10 - Red Bank Street Fair Join us on Monmouth Street for food, live music & more 732-842-4244

September 10 - Carson & Barnes Circus 1pm Beers St. Field Hazlet come early to see the big top go up and the animals roll in. 732-739-0653

September 11 - ‘Faux Finishes’program will be presented by Anne Marie Reedy hosted by the Keyport Historical Society located on Broad Street on the Bay, Keyport. The program starts at 7:30 pm. Call (732) 739-6390

September 12 - The Middlesex County Regional Chamber of Commerce will host its 14th Annual Largest Networking Party, celebrating its commitment to businesses in Central New Jersey. The festivities run from 5 to 8 pm, on the Rooftop of the Hyatt Regency, New Brunswick. The Chamber anticipates over 120 exhibitors this year including: Johnson & Johnson, Robert Wood Johnson University Hospital, Wachovia Bank, N.A., Net Access Corporation, Allied Office Products, Middlesex County College, Magic 98.3/ WCTC, 1450AM, PNC Bank, United Way of Central Jersey, and Berkeley College. Attendees, exhibitors, and sponsors are urged to register promptly, as space is limited. Early bird tickets are still available at $25 each (door rate is $35). For details call 732-821-1700, email LNP@mcrcc.org, or on their website www.mcrcc.org.

September 16 - Trenton Jazz Festival starts at 2 pm at the State House Complex.(at Barrack & Lafayette St). This is an Outdoor Festival (Rain or Shine) For More Info Call: Division of Culture At (609) 989-3353 / Purchase Tickets At: War Memorial Box Office / Sound of Trenton Charge by Phone: 1-800-955-5566 or Online At: http://www.tickets.com/ For Directions: http://rd.bcentral.com/?ID=4414161&s=50852572

September 16 - Monmout Park Thoroughbred Festival 11:30 am Celebrate NJ breeding by honoring the best born in th Garden State

September 16 - Antique and Craft MArket 9am to 4pm Antiques, collectables, crafts Asbury Memorabilia Bradley Park Convention Hall Asbury Park 732-778-4706

Local Jersey Shore Happenings! August 2006 Updated!!

Local Happenings In Monmouth County!
August 14 to 18 - ShoreDance 2006 is a weeklong festival of dancing with all-day workshops in Jazz, Hip-Hop & Afro-Modern Dance at the Algonquin Arts Theatre 173 Main St, Manasquan. Call (732) 528-9211 or go to www.algonquinarts.org

August 14 - Enjoy a Twilight Victorian Lantern Tour of Centennial Cottage in Ocean Grove beginning at 7:30 pm. Call (732) 774-1869 or go to www.oceangrovehistory.org

August 14 - Check out an outdoor film - Flipper - projected on the tower wall of the Algonquin Arts Theatre located at 173 Main St, Manasquan at 8:30 pm. Bring your own Chair. Call (732) 528-9211 or go to www.algonquinarts.org

August 15 - Unitarian Universalist Meeting House, 1475 West Front Street, Lincroft, NJ. Don't let those vocal cords get rusty over the summer! The Shrewsbury Chorale invites singers in all voice parts to participate in the annual Summer Sing. Meet new people who share a love of singing or get reacquainted with old friends in the relaxed setting of the Summer Sing. Repertoire: Randall Thompson's Last Words of David, Howard Hanson's Song of Democracy and Franz Schubert's Mass in G. Music provided. Refreshments served. $5 admission fee Info call: 732-776-5276 or visit www.shrewsburychor

August 15 - Don't let those vocal cords get rusty over the summer! The Shrewsbury Chorale invites singers in all voice parts to participate in the annual Summer Sing. Meet new people who share a love of singing or get reacquainted with old friends in the relaxed setting of the Summer Sing. Repertoire: Randall Thompson's Last Words of David, Howard Hanson's Song of Democracy and Franz Schubert's Mass in G. Music provided. Refreshments served. $5 admission fee and will be held at Unitarian Universalist Meeting House, 1475 West Front Street, Lincroft. Info call: 732-776-5276

August 15 - Enjoy the sounds of the Highlands Tuesday Concert Series featuring Liquid Orange at 7 pm at Veteran's Park, Bay Ave, Highlands. Call (732) 291-4713 or go to www.highlandsnj.com

August 16 - Love poetry? Write some of your own? Why not share with the Poetry Group at Barnes and Noble on Rt. 9 in Freehold tonight at 7:30 pm. It is Open Mic and that means it's your turn to be in the limelight! Tonight, the theme is Changing Seasons, so bring your original work or a favorite poem to the meeting. It will be hosted by Rene McCallum. Call (732) 409-2929

August 16 - The Whiteys will be performing as part of the Summer Beach Concert On Beach series at area E Gateway National Park at Sandy Hook. Showtime is 6 pm. For rain cancellations call 732-291-7733 or (732) 872-5970 or go to www.nps.gov/gate

August 17 - Be At The Big Kick-Off! Reserve Your Place in High Stepping History! Be part of the Rockette-style line-up that's determined to break the Guinness World Record at the Algonquin Arts Theatre located at 173 Main St, Manasquan at 7 pm. Call (732) 528-9211 or go to www.algonquinarts.org

August 17 - Freehold Summer Concert Sensational this week will feature Soul Cruisers starting at 7:30 pm at the Hall of Records Parking Lot East Main St, Freehold. Call (732) 462-3584 or go to www.freeholdcenter.com

August 17 - Come dancing at the Belmar Thursday Social Dancing at the Taylor Pavilion at Silver Lake Park located on 5th & Ocean Aves in Belmar. The dancing starts at 8 pm. Call (732) 681-3700 or go to www.belmar.com

August 17 to 20 - Head on over to the Colts Neck Country Fair where there will be fun for everyone at Bucks Mill Park located at 105 Bucks Mill Rd in Colts Neck. Fair hours are as follows: Th & Fri 5-11 pm; Sat 4-11 pm; Sun 2-8 pm. Call (732) 462-8500 or go to www.coltsneckfair.com

August 18 - Belmar Arts Council and P.A.C.K.M.A.N. presents the Young Musicians Showcase at Taylor Pavilion from 7 to 10 pm featuring White Bus and others. For details call 732.280.8398

August 19 - The Lakewood Elks presents a Comedy Dinner Show featuring Tom Cermack, Pete Michaels and Joseph Anthony. Tickets are $20 in advance and $25 at the door. The dinner is included along with a cash bar. Tickets available at the Lodge located at 1432 711 W. Kennedy Blvd.in Lakewood or from Officers and participating members. Please call the Lodge for more info and directions. Contact person: Jackie Kobi 732-797-1956

August 19 - Peter, Paul and Mary. The trio returns for all generations to love and sing at The Great Auditorium located on Pilgrim Pathway in Ocean Grove. The show starts at 8 pm. Call 732-988-0645 or go to www.oceangrove.org

August 19 & 20 - Monmouth County Friends of Clearwater's 31st Annual Festival. There will be top name national & local performers, environmental displays, storytelling, crafters & food from 11:30 am to 7 pm at Sunset Park in Asbury Park. Call (732) 872-9644 or go to www.clearwatermc.org

August 19 & 20 - Enjoy a bit of the islands at the Caribbean Beach Party from 12 noon to 5 pm. Enjoy Caribbean Cuisine & DJ, Calypso Band, Hair Braiding & Face Painting on Ocean Ave on the Beach & Boardwalk in Asbury Park. Call (732) 775-3533 or go to www.cityofasburypark.com

August 21 - Enjoy an outdoor film - Beauty and the Beast- projected on the tower wall of the Algonquin Arts Theatre located at 173 Main St, Manasquan. Showtime is 8:30 pm. Bring your own chair. Call (732) 528-9211 or go to www.algonquinarts.org

August 22 - The Trenton Thunder is holding a 'Route One Corridor Baseball Night'! The Princeton Chapter of BNI has taken out a table at this game. For Reservations or for more information please call: Harold Laudien, 609.951.0900

August 22 - 75th Anniversary of the Manasquan Inlet. Come be part of the joint celebration in Manasquan, Brielle, Point Pleasant Beach and Boro. There will be many festivities including a boat parade, ribbon cutting, and a 47 ft Coast Guard Boat. Call (732) 223-8303 or go to www.manasquanchamber.com for schedule of events

August 22 - Movies in Riverside Gardens Park presents Willy Wonka and the Chocolate Factory at 8:45 pm at the Riverside Gardens Park in Red Bank. Call (732) 842-4244 or go to www.redbankrivercenter.org

August 24 - The Sea Girt Chamber of Commerce is proud to sponsor their annual Sand Sculpting Contest at the Chicago/Brooklyn Beach in Sea Girt. The age groups are 4-6, 7-9, and 10-12. The 4-6 groups will work in teams; ages 7 and up, individually. Adults may coach, but may not touch. Prizes will be awarded to the 4 best sculptures in each age group, and all participants receive a T-shirt and a coupon for one free ice cream cone. Sculpturing begins at 9am and judging will take place at 10:30am by members of the Sea Girt Planning Board. Rain date is August 25th

August 26 - Keyport Knights of Columbus invites you to our 9th annual running of the $1.98 Beauty Contest. Don't miss out on a night of fun and laughter with friends and family. Location: St. Joseph's Council 3402, Hwy 35 North, Keyport NJ 07735 Information: All of our previous shows sold out. Please call 732-264-9729 or Bill at 908-601-0448