Southern New Jersey Overlook

head_left_image

Microsoft Windows Vista and Office 2007

Windows Vista Start ButtonWith the huge promotion being undertaken by Microsoft for the launching of their new Windows Vista and Office 2007, here are links to a few of my previous blog articles in which I outlined some of the new versions and features.

Microsoft OfficeThese new releases are a critical sales effort by Microsoft, involving it's two biggest money makers, and they are hoping it will carry them through the next couple or more years.

I've been using pre-releases of both products and believe their have some good technology enhancements and benefits from improved interfaces.  However, they are not incorporating any new application, just newly redesigned 'models'.

Here are the links to my previous articles:

Microsoft Office 2007 and Related Applications - Microsoft has announced that they will be releasing their latest Microsoft Office 2007 applications in January 2007, around the same time as Windows Vista is being shipped.  Some have questioned the wisdom of releasing two of their biggest income producing products at the same time.  However, after spending some time with both Vista ...
Windows Vista Coming Soon -- What Should I Be Considering? - Ready or not, Windows Vista will soon be available for your business, home and mobile Personal PCs.  Despite many delays, it is already in production and will be available officially in January 2007, but some may have access to it sooner (as early as the end of this month [Nov. 2006] for ...
More Than Half of North American Businesses Ill-prepared to Run Vista - What is the general readiness of North American organizations planning to deploy the new Microsoft Vista operating system? That's the question solution provider Softchoice Inc. set out to answer with a new study of more than 472 organizations recently, and the results indicate that the majority of PCs in use today ...
 
 
 
Visit my web site for real estate services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to find the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2007 by Timon, Inc. All Rights Reserved.    Office and Windows Vista Start Logos are Trademarks of Microsoft Corporation.

Marlton Reassessment In Process For 2008

Evesham Township has announced that pursuant guidelines from the NJ State Division of Taxation and the Burlington County Board of Taxation, a reassessment of all property in the township including residential, land and commercial has begun.

According to the township, "There are 16,494 parcels that have to be reassessed: 15,085 residential; 522 commercial; 746 vacant and 141 farmland. This process will take a little over two years. Although parcel inspection will begin immediately, new values will not be established until October of 2007. The new assessment will take affect for tax year 2008."  Each neighborhood within the township will be receiving more information as the inspectors prepare to come to their development.

Click here for more details about Evesham Township's assessment and answers to general reassessment FAQ's.


Click here for more Evesham Township (Marlton) related articles.
 
 
 
Visit my web site for additional resources and services: LawrenceYerkes.com
   
and visit BestHomes-NJ.com for the latest New Jersey Real Estate property listings (residential, commercial, multi-family, farm, land).
 
Copyright 2007 by Timon, Inc. All Rights Reserved.

Marlton - More Than Just Another Name

Marlton, another name for the original center of Evesham Township, is a census-designated place (CDP), located in Burlington County
 
It has a good mix of residential neighborhoods with great schools, businesses and shopping centers.

Marlton, Evesham Township, NJMarlton's name is derived from marl, which is a naturally occurring mixture of green clay with remnants of shells that was sold for use as a fertilizer and in the 1800's was instrumental for Marlton's growth.
 
"Marlton" is still used by locals more often than "Evesham" to identify the general township area and, depending on location within the township, the mailing address is also Marlton, NJ". Marlton's and Evesham's zip code are both 08053.  
 
Almost all road signs reference Marlton, not Evesham Township. 

Regardless of what you call it, the area is a great placel to live, shop and conduct business.


Additional information about "Marlton":
Evesham Township History
Courier-Post: Call It Evesham or Marlton?
Marlton Related Blog Articles

For more area and neighborhood information, click here for Evesham Township.



Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2007 by Timon, Inc. All Rights Reserved 

Understanding New Jersey Municipalities - A Guide

Your Guide to Understanding the New Jersey Municipality Types and Forms.
 
NJ SealThe State of New Jersey has established 5 official types of local governing municipalities that it recognizes within it's counties: Township, City, Borough, Town and Village.  They all control well defined geographical areas and have the same legal standing within the state and their respective counties. There are no lower level or subordinate municipalities through which they have to share power.  This differs from the concept of a township outside of New Jersey. Although many people equate towns with townships, in New Jersey, when referring to governing municipalities, they are not the same.  
 
The entire state of New Jersey is divided into a total of 566 incorporated (officially state sanctioned, governing) municipalities.  Boroughs are the most popular type of municipality (39%), followed by townships (27%), with cities a distant 3rd (under 13%). 
 
Let's look at Burlington County, for example.  It has separate and legally equal Burlington City and Burlington Township; there is also the Borough of Medford Lakes which is surrounded by Medford Township -- both separate and independent governing bodies.  
 
Keep in mind, that New Jersey school districts may overlap several municipalities, such as is the case with Lenape Regional School District(high schools).  Continuing with our example, Medford and Medford Lakes have their own K thru 8th grade school systems and then send their students on to Shawnee High School, one of the Lenape Regional high schools.  Mount Laurel Township will send it's high school students to Lenape High School, which by the way is physically located in Medford Township.  
 
While there are 5 types of municipalities, there are 11 specific forms of municipal government. This includes 5 traditional forms that correspond to the 5 municipality types; but there are also forms that are more modern (Walsh Act/Commission1923 Municipal Manager) with a large portion of the population residing in a form of municipality using one of 4 plans based on the Faulkner Act (or Optional Municipal Charter Law - OMCL).  There is a 12th option of a special legislative charter
 
In New jersey, 21% of municipalities, including the biggest cities, representing half of the state population govern under the Faulkner Act (OMCL).  Within the 4 OMCL plans, the Small Municipality plan can only be adopted by communities with a population under 12,000. Only a borough municipality can have a borough formof government.  Otherwise, any municipality type can choose from one of those several forms to establish and administrate their governing powers and responsibilities.  
  
Traditional Forms of Government
  
Although there are 5 possible types of municipalities, all counties in the state have primarily three types:  boroughs, townships and cities. Only 11 municipalities are official New Jersey municipal towns with a town form of government.  One, Hammonton, is located in Atlantic County, South Jersey; the rest are in North Jersey.  There are currently only 4 municipalities in New Jersey that are a village type of municipality, of which only one, Loch Arbour, has a village type and village form, as by January 1, 1990 all villages had to convert to the township form of government.   
 
If you are doing a search for properties in New Jersey, you will need to look by municipality within countyAll NJ real estate MLS's use municipality to locate property.  

Historic Medford VillageThere are also other other communities within any incorporated municipality which my have their own identify and even a separate zip code or post office. "Many locations in New Jersey are simply neighborhoods, with no exact boundaries; often the cluster of houses, the traditional neighborhood, the postal district, and the Census designated place will differ." (Wikipedia)
  
Hopefully this will not make it too much more confusing, but it should be mentioned that when addressing a location via a USPS address, the municipality type names of "Township", "Borough" and "City" are frequently not used as part of the the address.  Going back to our Burlington County example, any property within Medford Township is addressed by street number plus name and simply "Medford, NJ", with a zip code of 08055.  Medford Township is made up of  the original "Medford Village" and surrounding neighborhood areas.  Medford "Village" in this case is a non-governmental, unincorporated, historic designation, not a municipality in itself.  In point of fact, signs at the entrance to Medford Village say "Welcome to Historic Medford Village".   Another example is "Medford Lakes, NJ" (where "Borough" is not used).

MarltonLikewise, Marlton, another name for the original center of Evesham Township, is a census-designated place (CDP) community.  It is used by locals more often than "Evesham" to identify the area and, depending on location within the township, the mailing address is also Marlton, NJ". Marlton's and Evesham's zip code are both 08053.  Almost all road signs reference Marlton, not Evesham Township.  Browns Mills in Pemberton Township is another example of census-designated place.  There are also additional communities within most of the counties that -- though they are not incorporated -- may have their own post office and whose USPS mailing addresses use the community name in the city part of the address; for example, Sicklerville in Winslow Township and Blackwood in Gloucester Township, Camden County; Sewell and Turnersville in Washington Township and Williamstown in Monroe Township, Gloucester County. 
 
The name of a New Jersey municipality is unique only within it's county.  For example, you can only have one Washington Township in Gloucester County, but there are also Washington Townships in Burlington, Bergen, Mercer, Morris and Warren counties.  Warren County has a Washington Township and Washington Borough, but those are considered unique and allowable names.  Therefore, you can have a Burlington County with a Burlington City and a Burlington Township.  As populations change, so can names. In 2006, Dover Township of Ocean County was officially changed to Township of Toms River as the previously unincorporated community known as "Toms River" had completed overshadowed it's official township name of "Dover" in recognition and usage.
 
As long as you understand municipality naming traditions and can follow the basic geographic governmental hierarchy (unincorporated neighborhood/community -> incorporated municipality -> county -> state), there should be no confusion when identifying areas for buying or selling property.
 

Additional References:
Types and Forms of Municipal Government - NJLM
NJ Municipal Government - NJVoterInfo
NJ County and Municipal Web Sites, Maps and more
New Jersey State Library History of Forms of Government (PDF)
New Jersey - Local Government Basic - Student Voices NJ
New Jersey Citizens' Guide to Government
Forms of Municipal Government in New Jersey - Rutgers (PDF)
Inventory of Forms of Municpal Government in NJ - Rutgers (PDF)
More New Jersey local resources
 
  
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2007 by Timon, Inc. All Rights Reserved 

Mobile Search and Web Page Design Considerations - Part 3

Whether you are using a device running Windows Mobile or a smartphone running a dedicated phone service such as Verizon's Web 2.0 service, accessing a web site on the Internet and viewing web pages yield similar viewing experiences.

Mobile - PDAWhile it's amazing what they are cramming into pocket sized gadgets, there still are limitations that will not be going away soon.  I believe that as more PDA phones and smartphones come on the market, they may have an increasing impact on how online data is accessed, organized and displayed.

This is especially the case with web page content.  As stated in my previous blog article, because of the small viewing screen, the size of images, width of pages and the number of columns heavily impact the ease of mobile viewer accessibility.  A mobile PDA or smartphone can theoretically access any web page on the Internet. 
 
However, as a mobile viewer, you are currently limited to a few viewing options:
 
1. View the page in it's standard form (and be prepared for a lot of scrolling left-to-right and a confusing orientation of complex, multi-column pages);

2. View a mobile version of the page that has been redesigned for mobile viewing;

3. Access the site via one of the mobile "transcoding" sites that take standard web pages and attempt to render (or rearrange) the page into a format that is easier (and hopefully less confusing) to view on the small mobile screen.

If you have your own web or blog site, you can improve the mobile viewing experience by making your web pages' structure as streamlined as possible.

To help you obtain some idea of how standard sites, including your own, will look on a mobile display, here are some resource links that you can access to view how your own page will be transcoded and provide some insight into how a standard mobile-dedicated or mobilel-friendly web page should be designed:
Google Mobile Search
Google Mobile Search - Formated search to access via a handheld mobile device, search results are streamlined, web sites are automabically transcoded for mobile screen viewing.

Google Wireless Transcoder (GWT) - To directly access web sites (by-passes search) to be transcoded and displayed.

Skweezer - Mobile search and web site transcoder -- will sometimes do a better job than the Google web search.  Also displays a "Wireless Ready" ranking for each page transcoded and displayed.
 
 
Notes:
Because of limited viewing area and limited internal memory (RAM), devices running Windows Mobile and similar systems do not handle page coding such as iframes; do not handle standard videos, nor allow viewing of pdfs, etc. without adding limited function add-ons which of course require additional memory; and running Internet Explorer (mobile version) and similar browsers quickly chew up precious internal memory as they create and save temporary files.  
 
To get the most out of your device, especially if you want to download and play mp3 audio files, you will need to buy an external memory card (SD), which come in standard SD, mini and micro sizes, but all currently have at least 2GB versions for $50 and under, while 1GB versions are available for under $25.  I purchased a 2GB mini-SD for under $40 (including S&H) and a 1GB micro-SD (including S&H) for under $20. (The ones I purchased came with standard SD adapters so they can be used in just about any standard USB reader/writer or you can purchase new ones that will access the memory without the adapter for under $10.)
 
Blogger MobileBlog sites such as Blogger.com provide free mobile blogging services whereby you upload text and/or pictures from your mobile device and it's posted to a blog (first upload automatically creates a new blog just for you with a default name: e.g., "My Mobile Blog").  You can go in and update it manually, even merge it into your regular Blogger blog and assign additional cell phones, but the service is designed so you can use it without ever having to do anything except post content.

There are also Google Mobile versions of several other services such as gmail, maps, news and sms in addition to mobile search.

If you want to have web content that is optimized for mobile viewing, you also need to be conscious of what navigation controls they have available.  A PDA phone will most likely have a touch screen and allow you to easy scoll up and down and jump around the page.  A smartphone or web enabled phone may have just the basic "joy stick" control of left-right and up-down -- therefore it quickly becomes very tedius working my way up and down a long page.
    
 
Regarding ActiveRain (AR): AR blogs are fairly basic in structure so the posts themselves, if you manage to not overdo the graphics, transcode and render fairly well on a mobile device... especially if you access the information via a mobile search as listed above.  Because of this, encouraging mobile access of local property information on your blog is a great way to demonstrate your technology capabilities and provide responsive service to potential clients. 
 
 
 
Next, I will take a look at: Windows Mobile - Version 6 in 2007 and other mobile device options 
  
 
   
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2007 by Timon, Inc. All Rights Reserved 
 

Windows XP Virtual Memory - Page File

Changing you page file settings in Windows is relatively simple to do.  However, it was not as easy to find information about what are the optimal settings and if, or when, the page file can be moved to a different drive.  Hopefully, the following links will make it easier for you...

All about the Windows XP Page File:
Virtual Memory In Windows XP
Win XP's Page File
Optimize Windows Virtual Memory (Page File)
How Big Should My Swap (Page) File Be?
How to Move The Paging File In Windows XP  [Microsoft]
System Has No Paging File or Is Too Small  (How to change page file settings)  [Microsoft]

General XP Tips and Resources:
Windows XP Tips
Troubleshooting Windows XP
Winhelp - Windows Problem Solver
Microsoft Windows System Internals Site  (see prev post)
Microsoft Power Toys For XP
Troubleshoot Error Logs

General guidelines for page files:
- Minimum size should be 1.5 times the amount of RAM.
- Maximum should be approximately 3 times the minimum amount calculated in previous statement.
- If you have more than one hard drive, consider moving the page file to the hard drive on which Windows is NOT installed.  Make sure to place it on a "basic" disk, not a disk that is of a "dynamic" type.
- Some have suggested that if you want to minimize fragmentation of the page file, then set the minimum size to the maximum size  and the system will allocate and hold that maximum space.  This is best to after you do a general defrag of the drive.
- Run a page defrag program such as PageDefrag (requires rebooting) on a regular basis.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2007 by Timon, Inc. All Rights Reserved 

Microsoft System Internals

For those of you that like to get under the hood of your Windows operating system, Microsoft's Windows Sysinternals web site may be to your liking.
 
According to Microsoft, "the Sysinternals web site was created in 1996 by Mark Russinovich and Bryce Cogswell to host their advanced system utilities and technical information. Microsoft acquired Sysinternals in July, 2006. Whether you're an IT Pro or a developer, you'll find Sysinternals utilities to help you manage, troubleshoot and diagnose your Windows systems and applications. If you have a question about a tool or how to use them, please visit the Sysinternals Forum for answers and help from other users and our moderators."

Here are examples of some of the utilities available:

Contig - Wish you could quickly defragment your frequently used files? Use Contig to optimize individual files, or to create new files that are contiguous.

Diskmon - This utility captures all hard disk activity or acts like a software disk activity light in your system tray

DiskView - Graphical disk sector utility

Du - View disk usage by directory

Filemon - This monitoring tool lets you see all file system activity in real-time.MoveFile - Schedule file rename and delete commands for the next reboot. This can be useful for cleaning stubborn or in-use malware files.

PageDefrag - Defragment your paging files and Registry hives!

PsInfo - Obtain information about a system

SDelete - Securely overwrite your sensitive files and cleanse your free space of previously deleted files using this DoD-compliant secure delete program.

There are many more system utilities on the Windows Sysinternals web site.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 

Windows Mobile - Addons and Resources - Part 2

As I mentioned in my prior blog article, I've been occupied with new tech toys this past week.  One is a Windows Mobile Pocket PC phone.  While it came out of the box with many features, there are additional features that I wanted that can currently only be addressed by third-party vendors.

Windows Mobile 5.0Here are some recommended add-on software to get the most out of your PDA phone running Windows Mobile 5.0.  [Note: Windows Mobile phone units are essentially either Pocket PC's (touchscreens) or Smartphones (not touchscreens) -- when looking for software, you will commonly see it listed under Pocket PC software, and then determine what version of Windows Mobile it runs on.]

1. Adobe (free) - Flash and Acrobat Players (all phones);  [Flash Player for Pocket PC]
 
2. RealPlayer - playback of media files whether streaming or download  
Note: I encountered a problem when installing via my regular PC -- it was indicating (incorrectly) that I had the wrong version of ActiveSync.  The workaround: when the error message window is displayed -- and before responding and clicking on the error window,  find the temporary folder where the installation files are located (type "CD %temp%" from a command prompt), then manually transfer via ActiveSync to your mobile device and install on the device.
  
3. MultiIE (about $20) - enhancement to built-in Windows Mobile version of Internet Explorer - provide multiple tabbed windows and a better mobile browsing experience in general.
 
4. CorePlayer ($25) - for video playback - allows access to video streams not directly supported via Windows Mobile.
 
5. PocketTV  (free for personal use) - watch mpeg video on your mobile handheld. [Click here to download directly to mobile device]
 
6. WIMR? (free) - "Where is my RAM? (WIMR?) is a question every Pocket PC user has asked him/herself at some point. Use WIMR? to get an overview of what it is that are taking up all the storage space on your device."   Very useful and easy to use little utility for Windows Mobile.
 
7. Gmail for mobile users (free) - access Google's GMail service via your mobile device - a web-based email service.  Can be used in addition to Outlook (will not interfere).
 
8. MSN Virtual Earth Mobile (free) - "displays maps and satellite photography, and locates businesses by name or category within a geographical area. The data is downloaded from the MSN Virtual Earth servers that power http://virtualearth.msn.com/. Unlike many other mapping programs, the map data is not preloaded onto the device; it is downloaded on demand. The disadvanatge to this is that an internet connection is required. The advantage is that you do not need to decide what maps to preload, and you need very little storage space. VEM will cache map data as you view it, which improves performance, and allows you to view cached maps when you do not have an internet connection."  Some limitations apply, see web site for details.
 
NOTE: Since most Windows Mobile devices come with limited internatl memory, you will need an memory expansion card (SD) to install any of the above software onto it.  Suggest at least 1GB or 2GB cards.  Note: 1GB cards are available for under $20 from places such as Amazon. 


Additional Mobile Resources:
Handango - purchase mobile and handheld device software (some free) for Windows Mobile and other systems.
Mobihand - mobile and handheld device software and hardware [mobizon.org - optimized for access by mobile/handheld devices]
Smartphone & PocketPC Magazine - for Windows Mobile users - keep up-to-date on latest news and technology.
Best Pocket PC Software - a starting point, compiled by a pocket pc forum user.


For those that have been using Windows Mobile for a while, I'm sure you've run across some great programs or web sites that enhance the mobile experience.  Please feel free to contribute to this list.

 
Next: I will take a look at mobile search options and web page design considerations.
  
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 

A Few Ideas To Consider This Year to Enhance Your Financial Life In 2007

Here's a few ideas to consider this year to enhance your financial life in 2007 is provided by a local CPA and financial advisor, Frank Coppola:

(1) Review your financial goals or objectives; amend those if your situation has changed. If you don't have a plan; start one NOW.

(2) Review your current investments; and determine if they still meet your objectives and risk tolerence. How is the performance? Are you getting the service from your broker that you need? Rebalancing and/or change of broker may be warranted.

(3) Maximine your retirement savings through your employer provided plans and other opportunities such as IRA's.

(4) Start a College Savings Plan, such as a 529 plan for your children, grandchildren, or other loved ones.

(5) Check the adequacy of you insurance coverage for life, health, disability, and other necessary insurance. Be sure to review and update beneficiaries as necessary to relect marriages, deaths, births, and any other important changes.

(6) Seek an attorney about creating or updating your Will and other legal documents related to end of life issues.

ALWAYS SEEK COMPETENT PROFESSIONAL ADVICE BEFORE TAKING ACTION ON THE ABOVE.

Frank Coppola, CPA 
http://my.hdvest.com/FrankCoppola
2212 Branch Pike Cinnaminson, NJ 08077-3246
Phone: (856) 786-8219
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
   
and visit BestProperties-NJ.com to learn more about our commercial services and resources.   
  
Copyright 2007 by Timon, Inc. All Rights Reserved. 

Lead Paint Inspection Legislation Expanding In NJ

If you own residential rental property of any kind, you need to pay attention to impending legislation before the New Jersey assembly regarding lead paint inspections that can effect you...

The Assembly Housing and Local Government Committee held a hearing on Thursday, January 18, 2007 concerning legislation that will expand the scope of lead paint inspection requirements from multiple dwelling units to also include single-family and two-family rental dwelling units.

Currently, state law provides that multiple dwellings (3-or-more unit rentals) are inspected at least once every five years for lead paint hazards.

According to the bill, A3263 - Payne (D29), the Department of Community Affairs will charge a fee sufficient to cover the cost of inspections, provided that the fee does not exceed one-third of the inspection fee for a three-unit multiple dwelling.

The bill currently includes exemptions for owner-occupied two-family residential properties, properties that have been certified to be free of lead-based paint or of having a lead-free interior by a certified inspector, properties that were constructed during or after 1978, and seasonal rental units that are rented for less than six months' duration each year.

The committee voted in favor of the bill at the hearing and it now heads to the full Assembly.

(Source: NJAR)
 
 
 

Visit my web site for additional services and support: LawrenceYerkes.com
   
and visit BestProperties-NJ.com to learn more about our residentail investment, multi-family and commercial services and resources.   
  
Copyright 2007 by Timon, Inc. All Rights Reserved

Fighting Phishing

The phishing problem has continued to grow daily, but now, with new utilities making it easier for the non-technical to create phishing exploits such as bogus email and newsletters that fraudulently attempt to get you to reply and submit private information, threats will become more widespread.

Phishing - Avoid the Bait. Test Your Knowledge. Click to Play.Here are some anti-phishing related resources to help protect yourself and your business and to fight back:
 
PhishTank - PhishTank is a collaborative clearing house for data and information about phishing on the Internet. Also, PhishTank provides an open API for developers and researchers to integrate anti-phishing data into their applications at no charge.
 
OpenDNS (creators of PhishTank) - "OpenDNS [a free service] makes the Internet experience safer, faster and smarter for you and everyone using your network. OpenDNS can identify and stop sites trying to phish (steal) your personal information or money. The OpenDNS phishing protection works with all operating systems and browsers, and complements any other security measures already in use, such as a firewall and anti-virus software".  Basically, you set your DNS server pointers the OpenDNS's.
 
Wikipedia - Phishing - good introductory information and lots of reference links.
 
Anti-Phishing Work Group - The Anti-Phishing Working Group (APWG) is the global pan-industrial and law enforcement association focused on eliminating the fraud and identity theft that result from phishing, pharming and email spoofing of all types.
 
Microsoft Security: Recognize phishing scams and fraudulent e-mails - introduction to what it looks like and how to determine if an e-mail message is fraudulent.
 
OnGuard Online - provides practical tips from the federal government (FTC, USPS, HS, etc.) and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information. 
  
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
   
and visit BestProperties-NJ.com to learn more about our commercial services and resources.   
  
Copyright 2007 by Timon, Inc. All Rights Reserved

Beige Book Released By Federal Reserve for January

Beige BookThe Federal Reserve just published their latest issue of the Beige Book.  It is available online.

The following is a brief list of it's overall (national) summary findings (using data as of January 8th):

1. Economic activity continued to expand at a moderate growth with a few exceptions (Boston  mixed, Cleveland softening) since the last report. 

2. Modest increases in retail sales were reported overall, but with regional variation in electronics and apparel. Many districts reported continued sluggishness in vehicle sales with foreign cars outselling domestic trucks, and continued weakness in home-related products.

3. Tourism was generally up and positive, especially San Francisco and Boston, except in districts reporting doldrums due to lack of snow.
 
4. Activity in the service sector generally expanded in most Districts since the last report.  Many districts are     experiencing growing demands for technical and information technology service, including Philadelphia.
 
5. Manufacturing continued to expand in most districts, especially products used in the energy sector and food products.  The exception still being manufacturers support the residential construction industry.
  
6. Commercial markets continued showing strong activity in most of the country, with several indicating increasing rents and some having lower vacancies.
 
7. Nearly all districts reported continued softening in housing markets. Overall, residential real estate markets indicated increasing inventories, less new building starts, slow home sales, but with some signs of stabilizing. 
  
8. Financial institutions reported commercial lending up whileresidential mortgage origination and refinancing continued to weaken.  Overall credit remains good, but a few areas showed increases in consumer or mortgage delinquencies.
 
9. Agricultural conditions were generally upbeat because of good weather and higher prices.  Activity in the energy and mining sectors remain at strong levels.
 
10. Labor market conditions are generally tightening, with some businesses reporting difficulty finding qualified workers.  Engineers and machinists positions were hard to fill and finance and accounting skills were in great demand, often providing increased demand for temporary agencies.  Despite increased demand, wages increases were only moderate due in part to increased costs on the benefits side of compensation

11. Prices increased moderately overall.  Energy and a number of materials prices have eased, but competition has kept prices for final goods in check.
 
  
Note: This represents the national summary for ALL districts combined.  The report also provides more detail on each item summarized nationally, as well as reporting by each district on all items.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
   
and visit BestProperties-NJ.com to learn more about our commercial services and resources.   
  
Copyright 2007 by Timon, Inc. All Rights Reserved

Resources for the Winter Season

Depending on where you live, the winter months provide special challenges for properties, vehicles and even our own health and safety.  Here are a list of related articles ...

Winter SeasonPreventing Water Damage In Your Home - For homeowners, water can be a quiet villain. This seemingly innocuous element can harm your house gradually over time or in sudden disastrous events. A home that is water damaged can be a health hazard to its occupants and is very often expensive to repair.
 
Turn off Cruise Control In Bad Weather Conditions - Winter Driving safety tips.
 
Travel Safe and Smart this Winter - Tips and reminders for winter travel.
 
Winter-Proofing Can Save Money, Insurance Claims - Winter storms can wreak havoc on a home, and account for a large percentage of homeowners insurance claims, so the Insurance Information Institute (III) is urging homeowners to be prepared for the season by winter-proofing their homes.
 
Winter Storm Home Damage Can Be Minimized With Well-Planned Preparations - As cold weather makes its return to the northeast, winter storms threaten unprepared homeowners' investments. While snow can bring images of children sledding and families working on the first snowman of the year, winter storms can cause severe damage to a home.
 
Safe Winter Driving Guide - free 6-page guide in PDF format from the NJ Office of Emergency Management
 
Disasters and Hazards: Are You Ready? - General resources from FEMA that cover Winter Storms, Extreme cold and much more.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 

Windows Mobile Devices - Review - Part 1

Windows Windows Mobile - Pocket PCI've been occupied the past few days with a new toy -- a wireless PDA (Pocket PC) phone running Windows Mobile 5.0 and unlimited broadband.  I was "forced" to acquire it as a replacement for a phone that I passed on to another member of the family whose phone was no longer working. I had been putting off making the step into the the Windows Mobile domain (I am a Palm PDA user), but being the techie that I am, I  wanted to at least put the device and Windows Mobile through it's paces and better understand it's pros and cons. 

The biggest challenge anyone faces for the first time with new technology is the learning curve.  You can do some basic tasks relatively easy, but to get effective use of it's feature you need to invest some time to learn and train yourself.  In this "discovery" phase I tend to push the limits of the technology before I "settle in", adjusting my expectations and usage demands based on the results of the discovery phase.

I'm currently debating whether I'm going to keep the device or return it, but it has been most enlightening looking at the current state of the art.  Accessing regular web sites through a mobile device has made me realize that viewing a web site on a wide display monitor vs. a tiny screen requires different priorities in the design and complexity of the site -- being conscious during implementation of how pages and images will be rendered by the mobile browser.  Here are some of my initial observations...

1. If a page is designed to be fixed for 800x600 or 1024x768 it will force a lot of scrolling on a small screen.    Those that work better are ones that self adjust from the right side and have basic text and a few pictures.  Some sites have special scaled down pages just for mobile pda/smartphone viewing.
 
2. Pictures, which look fantastic on a big display screen, will loose resolution to they point they are distorted or unreadable if containing text.  They also take longer to download and get in the way of the text -- pushing it to the side or above or below.

3. Windows mobile does not handle standard streaming video, such as TV news clips from CNN or FoxNews, nor does it currently work with YouTube (which is just starting to allow mobile uploading of video) or Google Video (although Google is investing in mobile services).  Some wireless providers offer some streaming video such as selected YouTube clips (such as Verizon's V Cast service), but these are reformated for mobile and accessed through special dedicated servers, separate from the regular web access.  There are third-party software attempts at addressing these deficiencies (which usually incurs extra cost), but the technology has a way to go... it's a combination of the limits of bandwidth, connection quality, amount of memory and the processor and graphics rendering power.  Flash applications are also a big problem -- many will just not work, especially when involving streaming video.
 
4. The technology is very complicated and awkward for the average user.  And not as reliable as I had hoped.  The second day I had the device, I had to do a reset (pull out battery and restart unit) at least 5 times.  I also had to go back to the store to receive help with getting the Bluetooth ear piece to work properly.
 
5. Cost vs. Technology is still too high and the level of signal/transmission quality is not high nor consistent enough for more than just basic email and text web browing.  Videos that are optimized for a Smartphone are low resolution.  I live near a large metropolitan area, but just far enough out that signal strength is a constant issue, especially inside the home or certain buildings.  Many devices now give you the additonal option of local wi-fi access when in areas where cell coverage is poor.  
 
6. Newer versions of Windows Mobile are soon to be available mid-year.  And, there are other options to consider, such as Apple's iPhone which will also be available in the middle of the year.  Newer upgraded phones are also being tested with the new Windows Mobile, which has some needed enhancements, but no drastic changes -- software and hardware are concentrating on fixing the current problems and addressing some competitive limitations, such as providing VOIP capabilities.
 

Note: You will encounter different variations and versions of Windows Mobile.  To stay oriented, just remember that the current version is Windows Mobile 5.0 for Pocket PC (i.e, PDA phones with touchscreen) or Smartphone (phones with no touch screen).
 
 
Next: I will look at what software and web resources are available for Windows Mobile Devices and share a few tips from my experiences.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 



Commercial Property: 1820 Delsea Drive, Depford, NJ 08096

1820 Delsea Drive
Depford Township, NJ 08096 
Deptford, NJ 08096
Price: $399,000
Listing #: 4805109

Listing Web Site
1820 Delsea Drive, Depford Township, NJ 08096 
Turnkey Business With Real Estate plus contents!
 
Commercial property with building approximately 150' from a busy intersection with a traffic light. Property has dual road access with 204' frontage on Delsea Dr (State Highway Rt 47) and 125' frontage on Egg Harbor Rd.
 
23 parking spaces with 2 physically challenged. 1600 sf building with 2 zone air and 1 zone heat, public restroom. Fully operational Restaurant/Deli for 34 eat-in customers, plus covered outside dining facilities, exterior window for carry out.
 
Equipment included (separate list). Building is about 15 years old and in very good shape. Don't miss out on this opportunity for a great commerical property and turnkey business.
 
NOTE: Tenant occupied. Some tenant equipment not included.
 

 
 Rear View
View of back from back driveway
 
View from back road
 

inside restaurant seating
 

 

Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 

Best State Parks to Visit During The Winter In New Jersey

Sure, everyone knows that New Jersey -- with it's over 120 miles of shoreline and beaches and it national treasures, such as the Pine Barrens -- is a great vacation and recreational resource during the warmer months.   But the state also has a lot of outdoor recreational attractions that is availalble during the cooler months and winter (and which includes the shore and Pine Barrens) season.
 
High Point State Park
High Point State Park - NJLocated in the northwest corner of New Jersey, the 15,413-acre park offers outstanding opportunities for year-round recreation. Pleasant landscaping in the park was designed by the architectural sons of the man who designed New York's Central Park.
High Point XC Ski Center
"The view from High Point Monument, at 1,803 feet above sea level, is a spectacular panorama of rich farmland and forest, soft hills and lush valleys in three states. The blue line of the Delaware River divides the green ridges of New Jersey from those of Pennsylvania. High Point offers superb trails for hikers and skiers and quiet spots for campers and anglers."  From the 220 war monument located at the high point of the park, you can see for miles and view Pennsylvania's Pocono Mountains in the west, New York's Catskill Mountain to the north and the Wallkill Rivery Valley to the southeast.
 
During the winter, visitors to the park area can enjoy the High Point Cross County Ski Center, which provides cross county skiers of all levels, even children and handicapped, with groomed trails -- some with artificial snow.  There is also a section for snowshoeing.
 
 
Stokes State Forest
Stokes State Forest - NJ"
Stokes is famous for its impressive beauty, whether it is at the top of a mountain ridge or in the cool and fragrant Tillman Ravine with its rushing stream and steep cliffs. Hikers, campers, fishermen and photographers are attracted to its wild setting."
 
Stokes offers trails for the serious hiker which rewards those how undertake it's steep climb with a spectacular view from Sunrise Mountain along the 12 mile stretch of Appalachian Trail that runs through the park. 
 
The 15,996-acre forest is located along New Jersey's Kittatinny Ridge, between High Point State Park and the Delaware Water Gap National Recreation Area. It provides year-round camping and seasonal recreational sports opportunities.
 
 
Wawayanda State Park
WawayandaThe 18,235-acre Wawayanda (no, it's not named after the region's Wawa convenience store chain) park is located in the northeastern corner of Sussex County.  A 22-mile stretch of the Appalachian Trail runs through the park. 

Tranquil charm and sensational views are found within the mixed hardwood forested hills that surround Lake Wawayanda creating a restful backdrop for canoeists, boaters and fisherman, while steep mountains challenge casual as well as serious hikers.   It offers a variety of seasonal recreational sports opportunities.

Since 2006, NJ Division of Fish and Wildlife introduced landlocked salmon to Lake Wawayanda to provide anglers with an opportunity to fish for this unique coldwater sport fish close to home. Only a handful of deep lakes in New Jersey have suitable year round habitat for coldwater fish like trout and salmon.  This is in addition to the brown and rainbow trout which is annually stocked.  (Click here for salmon vs trout identification pamphlet and holdover regulations in PDF format.) 
 
 
More New Jersey Recreational Resources:
New Jersey State Parks and Forests
New Jersey Recreational Resources
Winter Recreational Resources for the New Jersey and Surrounding areas
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved 
 

Social Networking Websites and Teen Usage

The Pew Internet & American Life Project recently published on it's website the results of a survey that found over half (55%) of all all American youths ages 12-17 use online social networking sites; and that older teens, particularly girls, are more likely to use these sites.  It states that "for girls, social networking sites are primarily places to reinforce pre-existing friendships; for boys, the networks also provide opportunities for flirting and making new friends."
 
According to the report, "A social networking site is an online place where a user can create a profile and build a personal network that connects him or her to other users. In the past five years, such sites have rocketed from a niche activity into a phenomenon that engages tens of millions of internet users."
 
This acceptance and embrace of social network websites bodes well for the long-term future of websites like ActiveRain and Localism -- as the teen generation matures and become participants in the real estate markets, they will be much more comfortable with, and desirous of, environments facilitating social networking.  Particularly if those social networking environments continue to meet basic community communication and support needs, help maintain relationships and facilitate making new relationships.
 
The report further confirms to me, what many busineses are beginning to realize, that this as a huge market area -- not just to tap into for current opportunities, but also to establish a presence and begin to build relationships that will have contining and evolving benefits as the participants mature.
 
View PDF of Social Network Websites and Teenage Usage Report



Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved

Human Rights and Discrimination: Know Your Rights and Responsibilities

Human rights (human relations) is an issue that we take very seriously in the real estate industry.  The federal government and all states have laws and regulations protecting it.  Human rights understanding and awareness is part of all state licensing and advanced licensing training, and included as part of state licensing examinations. 
Equal Housing Opportunity - Fair Housing - HUD 
While there are federal regulations that all licensed agents are required to uphold, states usually have additional, more stringent human rights regulations. Federal and state governments have established Human Relations Commissions to administer those regulations,  monitor their compliance and to take action against abuses.  Fair Housing regulations by HUD (U.S. Dept. of Housing and Urban Development) and additional corresponding regulations within each state further clarify, monitor and enforce equal access by all Americans to housing of their choice.
 
All of us, as individuals, have convictions, beliefs, ideas, desires and preferences to which we hold. That is normal and part of every human. It's what makes us who we are and effects how we interact with others. In fact it is part of our rights as individuals to be free to hold and express our beliefs and ideas.  However, it becomes an issue when these beliefs and ideas are enacted upon by their holder to restrict, threaten or otherwise harm the rights of others to life, liberty and the pursuit of happiness.
 
As state licensed real estate agents, we are required, under penalty of fine, loss of license and the possibility of further legal action, to uphold human rights and fair housing regulations and to not discriminate nor show any bias toward clients and potential clients who are selling or buying property, whether residential or commercial.  We have undergone training and testing to help us recognize and avoid the subtle forms of prejudice involved with treating groups, communities and minorities with a bias in our professional practice.  We are committed to doing whatever we can to insure compliance of real estate transactions in which we are involved, to uphold and protect your rights.
 
In the Delaware Valley, as well as throughout the nation, states have established Human Relations Commissions to protect people and combat discriminatory behavior.   Here are resources for you to access if you feel you have experienced discriminatory actions...
 
 
Delaware Valley
 

Pennsylvania 
 PA CRC
Pennsylvania Human Relations Commission (PHRC)   Attorney General (see civil rights section)
 
"Discrimination, prejudice and bias. Three words that can mean a lot of things to a lot of people. Our purpose is to provide you with answers to questions that you may have about the Commission, our procedures and our role within Pennsylvania: investigating complaints of discrimination and monitoring bias-related crimes and tension within our communities."    (Note: If you feel you've been harmed, you must file your complaint within 180 days of the alleged act of harm. Above PHRC link contains requirements and information for filing a complaint.)
 
Regulations: Housing Accommodations / Commercial Property 
 
 
 
New Jersey
 
New Jersey Division On Civil Rights (DCR) - Civil Rights Commission (of the New Jersey Department of Law and Safety)
 
New Jersey Fair Housing - the Fair Housing Act prohibits discrimination in housing because of:

  • race or color
  • national origin
  • religion
  • sex
  • familial status (including children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18)
  • handicap (disability)

The Fair Housing Act covers most housing. In some circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker and housing operated by organizations or private clubs that limit occupancy to members.

Division of Housing  (of the Division of Community Affairs) - state information and resouces for affordable, fair and assistance housing.

Fair Housing Information Hotline: 1-800-390-4845
 
NJ Housing Resource CenterA Message (Letter) from Attorney General Stuart Rabner and Director Vespa-Papaleo to Property Owners:
2006 Letter:  English (PDF 122K)    Spanish (PDF 126K)
 
NJ Housing Resource Center  (NJHRC) - Affordable housing resources for consumers, property owners and agencies.
 
 
 
Delaware
 
Delaware Human Relations Commission logoDelaware Office of Human Relations

"The Office of Human Relations and the State Human Relations Commission promote amicable relationships among the various racial and cultural groups within the State.

In addition to administering Delaware's Equal Accommodations Law and Fair Housing Law,  the Commission works to increase public awareness of civil and human rights in Delaware."  These Delaware Fair Housing Acts ensure equal housing opportunity and access to all regardless of their race, sex, national origin, disability, familial status, religion and (state only classes: age, marital status and creed).  
  
Directions for filing a fair housing or accomodations discrimination complaint.

 
 
 
Department of Justice SealNational

US Department of Justice - Civil Rights Commission    [Fair Housing]  

US Department of Justice links to State Civil and Human Rights Commissions - How to contact your state and local agencies
 
The Civil Rights Division of the Department of Justice was established in 1957. The Division is the program institution within the federal government responsible for enforcing federal statutes prohibiting discrimination on the basis of race, sex, disability, religion, and national origin. Since its establishment, the Division has grown dramatically both in size and responsibility.
 
The Division enforces the Civil Rights Acts of 1957, 1960, 1964, and 1968; the Voting Rights Act of 1965, as amended through 1992; the Equal Credit Opportunity Act; the Americans with Disabilities Act; the National Voter Registration Act; the Uniformed and Overseas Citizens Absentee Voting Act; the Voting Accessibility for the Elderly and Handicapped Act; and additional civil rights provisions contained in other laws and regulations. These laws prohibit discrimination in education, employment, credit, housing, public accommodations and facilities, voting, and certain federally funded and conducted programs.
 
The Division enforces the Civil Rights of Institutionalized Persons Act of 1980, which authorizes the Attorney General to seek relief for persons confined in public institutions where conditions exist that deprive residents of their constitutional rights; the Freedom of Access to Clinic Entrances Act; the Police Misconduct Provision of the Violent Crime Control and Law Enforcement Act of 1994; and Section 102 of the Immigration Reform and Control Act of 1986 (IRCA), as amended, which prohibits discrimination on the basis of national origin and citizenship status as well as document abuse and retaliation under the Immigration and Nationality Act. In addition, the Division prosecutes actions under several criminal civil rights statutes which were designed to preserve personal liberties and safety.
 
The Division is responsible for coordinating the civil rights enforcement efforts of federal agencies whose programs are covered by Title VI of the Civil Rights Act of 1964, Title IX of the Education Amendments of 1972, and Section 504 of the Rehabilitation Act of 1973, as amended, and assists federal agencies in identifying and removing discriminatory provision in their policies and programs. 
STOP DISCRIMINATION call the FAIR HOUSING HOTLINE 1-800-896-7743 
The Civil Rights Division does not have regional offices. All Division employees are stationed in Washington, D.C. Nearly all Division attorneys and, occasionally, some non-attorney personnel are required to travel since litigation activities occur in all parts of the United States.   (Source: DOJ-CRC-Introduction) 
 
Fair Housing Tip Line 

Fair Housing Act Design Manual
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved

It's A Good Time To Buy

REALTORS® can help buyers make smart decisions in their local marketplace and the National Association of Realtors (NAR) has begun a public awareness program that highlights favorable conditions for home buyers and explains how myGood Time To Buy team can help you, the buyer.

According to the NAR, Many real estate markets across the country have recently experienced rising home inventories and stabilizing prices. In these markets, home buyers have increased negotiating power, but may be unsure of how to structure the best deal - they need a professional to help guide them through the transaction.

"Good Time to Buy" emphasizes the value that REALTORS® bring to home buyers in this environment. Of course, every market is different, which is why the ads recommend that potential home buyers call a REALTOR® in their local market to learn more about what's happening with real estate in his or her community.

To see the TV spot that the NAR has developed to help buyers make smarter decisions, click on the following link to view online...

Click here for my article, "The Process of Buying A Home" and to view the short NAR TV segment, Good Time To Buy.

And for additional blog articles on buying property, click here.

 

Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved

Know How Best to Sell Your Property

REALTORS® can help sellers position their homes in a competitive marketplace to attract and engage serious buyers and the The National Association of  REALTORS® (NAR) has begun a public awareness program that explains how my team can help you, the seller.
 
Know How To SellAccording to the NAR, as real estate markets in many areas of the country become more balanced between buyers and sellers, home prices have stabilized. However, most homeowners can still realize a very good return on their investment. Consumers who bought their homes six years ago have seen more than 50 percent appreciation in their home's value during that time.
 
"Know How to Sell" demonstrates how a REALTOR®'s expertise and experience can help sellers protect their investment in today's real estate market. REALTORS® handle hundreds, if not thousands, of real estate transactions over the course of their careers, and can counsel and guide sellers through the process.
 
To see the TV spot that the NAR has developed to help sellers become more aware, click on the following link to view online...

Click here for my article, "The Process of Selling Your Home" and view the short NAR TV clip, Know How To Sell.

And for additional blog articles on selling your property, click here.
 
 
 
Visit my web site for additional services and support: LawrenceYerkes.com
  
and visit Besthomes-NJ.com to shop for the latest New Jersey Real Estate property listings (Residential, Commercial, Multi-Family, Farm, Land).   
 
Copyright 2006 by Timon, Inc. All Rights Reserved