236 Fair HAven Rd, Fair HAven NJ

Testing my new wida angle lens during my open house at 236 Fair Haven Rd. NJ. Lot's of people coming to this open house because we dropped the price 10,000 to $479,000 and as a result I am hoping someone will definitely put pen to paper.

It is interesting to see how much more you can get with a wide angle lens. I also tested my tripod in standing postion as well as holding it with my hand to see if I still jiggle and as you can see no jiggling.

there does seem to be a little distortion but not alot of fish eye which I was afraid of. You do get a good sense of the rooms.

Direct: (732) 245-4031 Issue # 178

In This Issue:
This Month's Free Offer
Home Selling Question
Just Sold!
Just Listed! Do you know of a Buyer for this house?&bsp;
Thank YOU for YOUR Referrals

Welcome To The Latest Issue and Hello again.

Who's The Largest Private Landowner In The U.S.?
I've heard McDonalds, the Catholic Church, and TIAA-CREF. But according to Wikipedia, Ted Turner owns more land than any other American and uses much of it for ranches to re-popularize bison meat (for his Ted's Montana Grill chain), amassing the largest herd in the world.

Top 10 U.S. Cities For Technology Wired Magazine surveys the top cities in the country for technology. The places that if you want to geek out, you will find true happiness. Criteria included: proximity to top-ranked engineering schools, tech jobs per capita, Geek2Geek Dating Service postings, Craigslists postings, Dorkbot attendees (), availability of free wifi, comic book stores per capita, and Circuit City stores per capita. As you can see, this is not the most scientific of lists, but in it's own sort of way, it probably is fairly accurate. So without further ado, here are the…
The Top 10 Cities For Technology (and Geeks):
Seattle, WA
San Francisco, CA
Los Angeles, CA
Austin, TX
Orlando, FL
Raleigh–Durham, NC
Pittsburgh, PA
New York City, NY
Boston, MA
Washington DC
FREE MLS Online Search For A Monmouth County Homes To search for a home right now, click here: http://www.swiftpage3.com/SpeClicks.aspx?X=2V0P9FXZHQP20DFC01YWWX
This Month's Free Offer: Five Easy Steps To Selling Your Home After serving your neighbors 10 years, I know selling your home is a big deal. Many people just aren't clear how to start. To make it easy for you, here are 5 simple and easy steps to get your questions answered and get on the right track…
1. Call me at (732) 245-4031 We'll chat by phone a few minutes and answer all your questions. Take me for a "telephone test drive" to see if you're comfortable. If not, just tell me "don't call me, I'll call you," and I won't call you. I promise.
2. Get a free, quick, over-the-phone estimate of your home valueEven if you follow nearby sales, it's hard to know the value of YOUR home, so let's get that handled. (If you want a more accurate figure, just invite me over to see your home.)
3. Get a list of easy, fix-ups for your home I know simple things to increase your home value…
4. Free sit-down consultation & game planGet the details on how I sell so many homes for clients. Let's figure out your timing and a step-by-step game plan for selling and possibly buying another home. Know I'll always "give it to you straight": no empty promises or flattering you with a high price you won't get. Good, honest advice.
5. Take the plunge, but with a life-preserverPerhaps we'll decide to work together. Signing a listing contract is a big decision, so let's take the pressure off. You'll have the right, in writing, to cancel our agreement for any reason.
If this makes sense and you like my approach, let's talk… Call me at (732) 245-4031. I look forward to your call!
Send This Free Newsletter To A Friend Subscribe them with a quick email to TellAFriend@GloriaB.com with their email address in the subject line.
Remember to email your questions, comments, compliments, corrections, critiques, &rebuttals to Questions@GloriaB.com .
Home Selling Question
"How does the home sale tax exemption work?"
Answer:Under current IRS Code Section 121 rules, if you've owned & lived in your home for 2 of the past 5 years (730 of the past 1826 days), you can sell and exclude up to $250,000 of your gain if you're a single, or $500,000 for couples.
NOTE: There are MANY exceptions that allow you to sell & avoid gain without having owned/lived in for the 2 years.Please verify the above with your favorite tax professional.
Just SOLD!23 6th Avenue Atlantic HiglandsDetails
JUST LISTED! Oceanport $419,000More Details
Cute as a Button 2 bedroom 2 bath Must SEE! Beautifully renovated 2 bedroom, plus office, 2 bath house, in the Great town of Oceanport. Many extras: decorative molding, hardwood and ceramic tile floors, recessed light, built-ins, updated eat-in kitchen with granite counters and stainless steel appliances, butlers kitchen w/laundry room. Beautiful lot with fenced yard and deck. High efficiency furnace & central air system, new windows and doors. Low taxes. Contingent upon owners firm relocation.
Thank You For Your Referrals
Thank you Mr. & Mrs. Ciambrone for referring your son to buy a home
Have a great week,
Gloria Benaroch 10 Years Experience Broker Associate --- Coldwell Banker, Rumson NJ(732)245-4031 Gloria@GloriaB.com -- http://www.swiftpage3.com/SpeClicks.aspx?X=2V0P9FXZHQP20DFC04YWWX
If a friend would enjoy this enewsletter, forward it to them. To subscribe, email Subscribe@GloriaB.com with "subscribe" in the subject line.
Due to production and shipping expense, free items are available only to residents, owners, and people planning to purchase real estate in Eastern Monmouth County.
This free e-newsletter tells you how to be more successful with your real estate transactions. You receive it because you subscribed, entered your email address at my site(s), or were referred. By reading it, you agree you: 1) understand this is opinion & not advice; 2) will seek professional tax, legal, and real estate advice; 3) are solely responsible for use of content, 4) hold Gloira Benaroch-Garland, and Coldwell Banker Residential Brokerage harmless. Questions may be paraphrased for clarity/brevity. Disregard this email if you have a listing or buyer-broker agreement..
Copyright 2009 Gloria Benaroch, All Rights Reserved.

Sent to: gloria@gloriab.comIf you prefer not to receivefuture e-mails of this type,Leave this List.
Sent By:
Coldwell Banker, Gloria Benaroch, Broker Associate
17 West River Road(o) 732-842-3200 x 118
Rumson NJ 07760U..S.A.

To view as a web page.
E-mail message checked by Spyware Doctor (6.0.0.386)Database version: 5.11870http://www.pctools.com/en/spyware-doctor-antivirus/

42 Riverside Oceanport NJ

42 Riverside Ave Oceanport
Back on the Market.

Market Watch for Monmouth County NJ

In January, the prospect for a strong Spring Real Estate Market is bleak as under contract properties were down by 27% from a year ago and the economic and financial crisis continue to depress home sales.

The under contract properties of this January are down 48% from January 2005; however New Jersey's actual foreclosure rate in January was .02% ranking it 32nd in the nation. By comparison the national average rate is .05% more than double that in New Jersey.

ON the other hand with mortgage rates dropping in the last couple of weeks,there may be a gentle 'Spring Surge' in home sales as long as mortgage rates fall and remain below 4.75% by the end of March.

Speeding in New Jersey....

I received this email from a trusted friend so I thought I's post this info for everyon to be aware.

the latest NJ State Police Initiative (Radio Station 101.5 FM
confirmed this info).

Starting today, New Jersey will launch a 30-day speeding ticket
frenzy. The state estimates that 9 million dollars will be generated
in speeding tickets. One million dollars will go to pay state troopers
over-time.

There will be 50 state troopers on duty at all times patrolling the 9
main intersections and highways as follows:

I-295 North and South,
I-95 Jersey Turnpike North and South
I-80 East and West
I-287 North and South
I-78 East and West
I-195 East and West
I-280 East and West
Route 130 - North and South
Garden State Parkway - North and South

5 MPH above the limit can justify a ticket and every state trooper is
supposed to pull a car over and
write a ticket every 10 to 20 minutes.

They have issued 30 brand new unmarked Crown Victoria cruisers and are
bringing in all of their part-timers on full time. If you work in NJ,
NY, DE or CT, you will probably be on one of these highways.. So,
please be on guard and drive safely!

Starting August 15 , the price of a violation to show your driver's
license, registration or insurance card at the time you are stopped ,
increased from $44.00 to $173.00. (Keep these documents in your car) ..
And the fine for not having all three documents is $519.00!

The fine for hand-held cell phone use while driving will be going up
to $180..00.

Please forward this to people in N.J. and let them know of this latest
Police & n bsp; Initiative

Save Energy and Tax Dollars Too! New Federal Tax Incentives for Energy-Efficiency Home Improvements

I received this from NJ Gas and thought I'd pass this information on.
Save Energy and Tax Dollars Too!
New Federal Tax Incentives for Energy-Efficiency
Home Improvements

On February 17, 2009, President Obama signed a stimulus bill, The American Recovery and Reinvestment Act of 2009, that made significant changes to the energy-efficiency tax credits. Tax credits that were previously effective for 2009 have been extended to 2010 and raised from 10 percent to 30 percent. The maximum credit was also raised from $500 to $1500 for the two years (2009-2010).*

Home improvements eligible under this act include:
Roofs
Insulation
Replacement windows and doors
High-efficiency heating and cooling systems
High-efficiency water heaters
Biomass stoves
There are also tax credits for geothermal heat pumps, solar water heaters, solar panels, windmills and fuel cells at 30 percent of the cost, without any upper limit. Click here for details and complete eligibility requirements.

So as spring approaches, remember those energy-saving home improvement projects can not only lower your energy bills and help conserve our natural resources, but also save you valuable tax dollars.

Tax credits for builders of new energy-efficient homes and designers of energy-efficient commercial buildings were also extended. Click here and scroll down to view the details.

*Additional incentives are available through New Jersey's Clean Energy Program.

Amazing Race from the Jersey Shore

This past Sunday I was walking the boards in Long Branch NJ takng advantage fo the wonderful weather I came across a group of girls gathered around 2 girls who were wearing only their bright pink tshirts. Curious I stopped to see what was going on on as one of the group was videoing these girls. Come to find out these two girsl from the Long Branch area presumably are applying to be on the amazing race.

So if you see them on the next season's show . YOU SAW IT HERE FIRST

2009-02-22-1018-44

From 2009-02-22-1018-44

Weekly Real EstateTalk Show Launched this weekend...

by the National Association of Realtor.

Beginning on February 14, satellite radio subscribers can hear Real Estate Today on America's Talk, XM Channel 158, Saturdays 5-7 p.m. EST; Talk Radio, XM Channel 165, Saturdays 1-3 p.m. EST; and Stars, Sirius-XM Channel 102, Saturdays 6-8 a.m. and Sundays 9-11 a.m. EST.

Real Estate Today will help build consumer confidence in the market and in the long-term value of real estate to help bring buyers back into the market. Real Estate Today will air online at www.RETRadio.com – visit the site anytime after the premiere to listen to current or past programs.

BREAKING NEWS Home Buyers Tax Credit Bill

A bill just passed the senate that will be a great way for buyers to BUY NOW!


Here are some of the things that this bill will do:



Provide a direct tax credit to any one who purchases any home!

Amount of the tax credit would equal 10% of the purchase price or $15,000, whichever is less

Purchses must be made within one year of this legislation being enacted

This tax credit would not to be repaid unlike the current tax credit

Taxpayers would be able to claim the credit on their 2008 income tax return

This will only apply to the purchase of a principal residence

The Credit would be recaptured if the home sold within two years of purchase

This would sunset the current $7,500 housing tax credit on the date of enactment



Check with your preferred mortgage specialist to find out what information they have on this exciting possibility.



Will Keep you posted

Fair Market Value of the White House...

Drops $23,000,000
Think your home value is down since 2005? Per estimates, this 16BR/35BA, 55,000 sqft home on 18 acres dropped a not-so-cool $23 million the past year, to a still not-to-be-sneezed-at $308,058,000. Think of the monthly payments! Since you mentioned it… With 20% down and a 30-year 5% mortgage, your monthly payment would run you $1,323,000/month. You might even have to take a second job.

Hope for Homeowners

FHA Mortgage Rescue Program

Part of the Housing and Economic Recovery Act of 2008, passed in July 2008, includes provisions to help struggling homeowners replace their mortgages with 30-year fixed-rate loans backed by the Federal Housing Authority (FHA). Available from October 1, 2008 through September 30, 2011, the Hope for Homeowners program is designed to help homeowners who can no longer afford their monthly mortgage payments and have mortgages that exceed the market value of their homes.


Find Out More
More information about the Hope for Homeowners program is available online at www.HUD.gov (type “Hope for Homeowners” in the search window) or by calling (800) 225-5342. Both resources also offer information about the FHASecure program -- a program designed to help qualified homeowners who may be facing foreclosure due to an interest rate increase on their mortgage.

Real Estate is Local

The key to success this year is remembering that all real estate is local.

Grants To Help States Stabilize Housing Areas

The Housing and Economic Recovery Act of 2008 provided $3.92 billion in supplemental Community Development Block Grant Funds to help states mitigate the harmful effects of foreclosures -- declining home values, increased crime, significant loss of investment -- in very hard-hit communities

For more information on how these neighborhood stabilization grants may affect your area, browse online to www.SaveAmericasNeighborhoods.org/fact_sheets.asp.

Be sure to check with your state and local governments to find out about any local programs set up to help homeowners, buyers and sellers.

Identity theft a growing problem

Identity theft a growing problem here are some contact numbers:Stolen Checks:National Check Fraud Service 843-571-2143Scan: 800-262-7771Tele Check 800-710-9898CheckRite: 800-766-2748CrossCheck:707-586-0551Equifax Cehxk Systems: 800-437-5120International Check Services:800-526-5380Stolen ATM card, get a new card, new account number and password.Fraudulent Change of Address: Notify Us Postal Inspector go to website for all numbershttp://www.usps.gov/postalinspectors Social Securty Number Comprimised: 800-269-0271 or website: http://www.ssa.gov/oig CREDIT BUREAUS:Equifax PO Box 105873 Atlanta Ga. 30348-5873Credit Report: 800-997-2493 Fraud Alert: 800-525-6285http://www.equifax.com Experian PO Box 949 Allen tx 75013-0949Credit Report: 888-397-3741Fraud Alert: 888-397-3742http://www.experian.com Trans Union PO Box 390 Springfield, Pa 19064-0390Credit Report: 800-916-8800Fraud Alert: 800-680-7289http://www.tuc.com

getting ready to go to a home inspection

just found a great website for those who wnat to declutter their homes like me. Not sure how it works looking into it. www.estatesales.net

78 Ironwood

Nancy and JIm in their New Town house. in Middletown.

To Realize...

To realize
The value of a sister
Ask someone
Who doesn't have one.

To realize
The value of ten years:
Ask a newly
Divorced couple.

To realize
The value of four years:
Ask a graduate.

To realize
The value of one year:
Ask a student who
Has failed a final exam.

To realize
The value of nine months:
Ask a mother who gave birth to a stillborn.

To realize
The value of one month:
Ask a mother
who has given birth to
A premature baby.

To realize
The value of one week:
Ask an editor of a weekly newspaper.
To realize
The value of one minute:
Ask a person
Who has missed the train, bus or plane.

To realize
The value of one-second:
Ask a person
Who has survived an accident.

Time waits for no one.

Treasure every moment you have.

You will treasure it even more when
you can share it with someone special.

To realize the value of a friend or family member:
LOSE ONE.

Remember ... Hold on tight to the ones you Love !


The origin of this letter is unknown,
But it brings good ' vibes' to everyone.
Peace, love and prosperity to all!

Trip to Las Vegas

I just won a trip to Las Vegas because of my Real Estate sales from last year! I sold around $10,000,000 (million) in sales in 2006 and they said it was a correction year!.
I have never been to Vegas so this was my first time. I never realized how much walking I would do. We were put up at the Mandalay Bay what a great hotel reminded me of the Atlantis Hotel in the Bahamas. I was warned there would be some walking but not like. It was basically a 1/4 mile from the lobby to the conference rooms each time. so you figure once in the morning, lunch and dinner and then back for the evening events.

Las Vegas Laser show

The first day I got there it was 10 am their time 1pm my time. We all ended staying up 28 hours between the time change the parties.

The next 2 days we went to seminars which were very informative and good way to jazz the new year up. I took my brand new camera along to test it out so here are the results of my stay in Las Vegas.

3 Universal Truths about The Perfect Hue

What does your favorite color say about you? 3 Universal Truths about picking paint.
1
Color is the leasr expensive way to transform living space. A well chosen color can either calm the room or invigorate the space.

2
There is NO such thing as bad color! There are only likes and dislikes. Color is like spice to food adding zest.
Cool hues such as blue, violet and green are calming and relaxing. Pick these colors for reading rooms, bedrooms and rooms for contemplation.
Warmer hues such as red, yello and orange are energetci, playful colors. Use these in dining rooms, living rooms, working areas and kitchens.
Keep in mind the intensity of the color can invert the color's effect. While a pastel blue can be quiet and relaxing, bright turquoise can be loud an stimulating.

3
Never let color guidelines limit choices. If Red is your favorite color, then go ahead drench your bedroom with it. The payoff is that the mood boost you'll get will compensate it's limited calming effect. Don't shy away from mixing colors , just make sure they complement one another when going from room to room or the colors are carried in any form in the other rooms. For example if your dining room is red and adjacent is your living room have something red in the living, a lamp shade, pillow, piece of furniture and if your living room is blue then have something carried over in the dining that may have something blue such as drapes, tablecloth etc. When you prefer neutrals be sure to accent them with burnt orange, black, brown, red, green or gold so as to avoid monotony.

An Irish Blessing

May you always have walls for the winds, a roof for the rain,
tea beside the fire, laughter to cheer you, those you love near you,
and all your heart might desire.

May the road rise to meet you,
May the wind be always at your back,
May the sun shine warm upon your face,
The rains fall soft upon your fields and, Until we meet again,
May God hold you in the palm of His hand.

May you have love that never ends,
lots of money, and lots of friends.
Health be yours, whatever you do,
and may God send many blessings to you!

May the sun shine, all day long,
everything go right, and nothing wrong.
May those you love bring love back to you,
and may all the wishes you wish come true!

May your feet never sweat,
your neighbor give you ne're a treat.
When flowers bloom, I hope you'll not sneeze,
and may you always have someone to sqeeze!

(as sent to me from Ralph Roberts)

Back from LasVegas

The Best Just Got Better!!!
Now more than ever I am ready to serve you and your needs in Real Estate. The conference has helped to regenerate me and help serve you better.So Let me know what is going on with you. Where do you stand regarding real estate? Have you set it aside? Have you purchased already? If so, what did I not do right by you? What could I have or do better for your needs? I am very interested in hearing the good, the bad and the ugly. That is the only way my services can be better for you.
Also just got back from the Otteau seminar, a prominent market analyst for Real Estate. What he put into words backs up my statistics on my website.
The market is gearing for a recovery! Slow and Steady. The next 90 days will be the best time to purchase because everything is level. The interest rates are still the BEST IN 35 YEARS! The prices have leveled.
January and February has already seen a 5% to 10% increase in activity. Yes there is alot of inventory however, what this means to you is that when the house is NOT overpriced it will go quickly.
For Sellers, right now is the time to price your house by looking at YOUR lowest price competitor on the market and underpricing them. Statisitics have shown that when you do that you will sell quickly within around 50 days and at around 97% of your asking price. If you set your price high, then you will be on the market longer and when you do sell you will get about 94% of your asking price. So PRICING is still an issue.
For Buyers, right now is a good time because the rates are still at an all time low, the prices have leveled out and there is alot to choose from, however because the market has become active, sellers are becoming much firmer at their asking price. Bargain Hunting is NOT an option now.Right Pricing for both Seller and Buyer is the buzz.
No longer interested in getting MLS updates or emails from me please let me know and I will do my best to get you off all of MY lists. I DO NOT sell, rent or give your names out to others, because I have many websites and databases it takes me a while to get you deleted so please be patient I will do as you ask.
Thank you for staying loyal with me and allowing me to help you with your real estate needs.

My Brain is Full

This says it all for me from Far Side.
Since October every Monday and Wednesday I have been going to broker class to study and apply for my broker's license.
Don't you already have that? you may ask.
The answer is that I have my Real Estate Sales Associate license.
By getting my Broker's License that will allow me to either continue selling in my current office with my current Broker or I can choose to open my own office and have Sales Associates working for me. While I have considered the thought and it has been tantalizing currently I do not think I am ready for it. Lastly I can work as a Manager overseeing sales associates and doing everything as if it were my own office except I do not have the financial obligations, however my obligations then are to the owner of the company. Also this opens doors for other opportunities.
The reason I chose to pursue this grueling course is for my personal benefit, enlightenment and ultimately for the consumer, who will benefit by my continuing my education. When doors of opportunities open as a result of this so much the better.
So now everyday I am taking 3 hours of practice tests as I wait for the paperwork from the state to come back and allows me to go for the state testing.
IN the meantime as a result of having a great 2006 I ahve won an award and am going to the Coldwell Banker International Conference which is being held this year in Las Vegas. Never been there and am a little apprehensive about it. The postive is I will meet other Sales Associates from other parts of the nation and get to brain storm (oops) maybe not, about what is happening in their neck of the woods.
I promise to let you know what I find.

THE NEW JERSEY SCHOOL REPORT CARD FOR 2006

WELCOME TO THE NEW JERSEY SCHOOL REPORT CARD FOR 2006 for Monmouth County click on link below

http://education.state.nj.us/rc/rc06/menu/25.html

January 1 to January 31 2007 Homes Active and Sold

Atlantic Highlands:
Total Homes on Market 41
Number of Just Listed this month: 11
Average List Price $785,922
Number of Closed Sales for the month: 4
Average Days on Market: 74
Ratio of sale price to list price: 94%
Median Closed Price: $445,000
Homes Expired in the month 1

Fair Haven:
Total Homes on Market 38
Number of Just Listed this month: 8
Average List Price $696450
Number of Closed Sales for the month: 5
Average Days on Market: 59
Ratio of sale price to list price: 95.01%
Median Closed Price: $585,000
Homes Expired in the month 4

Little Silver:
Total Homes on Market 44
Number of Just Listed this month: 15
Average List Price $1,134,220
Number of Closed Sales for the month: 5
Average Days on Market: 119
Ratio of sale price to list price: 97.61%
Median Closed Price: $550,000
Homes Expired in the month 2

Middletown:
Total Homes on Market 402
Number of Just Listed this month: 130
Average List Price $550,274
Number of Closed Sales for the month: 35
Average Days on Market: 103
Ratio of sale price to list price: 95.67%
Median Closed Price: $400,000
Homes Expired in the month 51

Oceanport:
Total Homes on Market 40
Number of Just Listed this month: 12
Average List Price $724,383
Number of Closed Sales for the month: 1
Average Days on Market: 163
Ratio of sale price to list price: 92.59 %
Median Closed Price: $999,000
Homes Expired in the month 3

Monmouth Beach:
Total Homes on Market 32
Number of Just Listed this month: 7
Average List Price $961,829
Number of Closed Sales for the month: 1
Average Days on Market: 179
Ratio of sale price to list price: 87.44%
Median Closed Price: $550,000
Homes Expired in the month 5

Red Bank:
Total Homes on Market 55
Number of Just Listed this month: 14
Average List Price $582,886
Number of Closed Sales for the month: 6
Average Days on Market: 61
Ratio of sale price to list price: 93.49%
Median Closed Price: $350,000
Homes Expired in the month 3

Rumson:
Total Homes on Market 106
Number of Just Listed this month: 40
Average List Price 1,462,542
Number of Closed Sales for the month: 6
Average Days on Market: 100
Ratio of sale price to list price: 94.33%
Median Closed Price: $1,566,750
Homes Expired in the month 14

Sea Bright:
Total Homes on Market 15
Number of Just Listed this month: 2
Average List Price $669,000
Number of Closed Sales for the month: 2
Average Days on Market: 186
Ratio of sale price to list price: 98.44%
Median Closed Price: $629,500
Homes Expired in the month 3

Highlands:
Total Homes on Market 46
Number of Just Listed this month: 7
Average List Price $363,414
Number of Closed Sales for the month: 3
Average Days on Market: 128
Ratio of sale price to list price: 91.51%
Median Closed Price: $475,000
Homes Expired in the month 5

Spring Lake:
Total Homes on Market 76
Number of Just Listed this month: 23
Average List Price $2,422,909
Number of Closed Sales for the month: 7
Average Days on Market: 129
Ratio of sale price to list price: 93.27%
Median Closed Price: $1,368,000
Homes Expired in the month 8

Tinton Falls:
Total Homes on Market 63
Number of Just Listed this month: 10
Average List Price $469,179
Number of Closed Sales for the month: 12
Average Days on Market: 99
Ratio of sale price to list price: 95.46%
Median Closed Price: $466,250
Homes Expired in the month 5

Based on single family homes.

If you would like to see more stats on other towns either go to www.monmouthcountymarketwatch.com
or email me.

PIN NUMBER REVERSAL (GOOD TO KNOW)

PIN NUMBER REVERSAL (GOOD TO KNOW)

If you should ever be forced by a robber to withdraw money from an ATM
machine, you can notify the police by entering your Pin # in reverse.

For example if your pin number is 1234 then you would put in 4321. The
ATM recognizes that your pin number is backwards from the ATM card you
placed in the machine.


The machine will still give you the money you requested, but unknown to
the robber, the police will be immediately dispatched to help you.

This information was recently broadcasted on TV and it states that it
is seldom used because people don't know it exists.

Just thought this may be of interest to everyone.

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