Southern New Jersey Overlook

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Book Review: Foreclosure Investing For Dummies

Foreclosure Investing For Dummies"Foreclosure Investing For Dummies", by Ralph R. Roberts with Joe Kraynak, authors of "Flipping Houses For Dummies", bills itself as "A Reference for the Rest of Us!" providing step-by-step instructions on how to make smart, informed investments in floreclosures, including buy and sell foreclosure, preforeclosure and bank-owned properties.
 
This book provides explanations, often humorous and fun, in plain English for "getting in and getting out", along with tear out cheat sheets and top ten lists.  It also summarizes foreclosure rules and regulations in all 50 states, as well as providing contact information for realtors who have contributed information for their respective states.  (In the interest of full disclosure, I am listed as a Realtor contributor for New Jersey, being located in South Jersey; the other contributor is located in North Jersey.)
 
You will discover how to: research property titles, mortgages and deeds; build a strong investment team, obtain financing, network your way to success; avoid common pitfalls and invest with integrity.
 
This "hands-on guide covers all aspects of investing in foreclosures, from identifying potential properties and assessing value to carefully researching and inspecting properties, so you don't get stuck holding a money pit... or even worse, a worthless piece of paper! Discover how to deal with homeowners in preforeclosure, bid for a property, buy bank-owned properties...and ultimately sell for maximum profit."
 
Foreclosure Investing for DummiesIt's 22 chapters plus appendix and index are grouped as follows:
Introduction
Prepping Yourself for Foreclosure Success
Laying the Groundwork for Maximized Profit and Minimized Risk
Creating Win-Win Situations in Pre-Foreclosure (Prior to Auction)
Finding and Buying Foreclosure and Bankruptcy Properties
Cashing Out Your Profit...after the Sale
The Part of Tens (10 Common Beginner Blunders, 10 Ways to Maximize Future Leads by Acting with Integrity, 10 Tip for Avoiding Common Foreclosure Minefields)
Appendix: Foreclosure Rules and Regulations for the 50 States
Index
 

For those that want to take advantage of the changing real estate market, the information in this book should provide the incite and guidelines needed to get you started on the right path to foreclosure investing.


Click here for more information about the book on Amazon.com
 
 
 
 
Visit my web site for additional real estate investing 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.

Searching for Properties In New Jersey

New Jersey has a wide variety of places to live, work, raise a family and enjoy sports, recreation, entertainment, fine dining and great shopping.
New Jersey Counties
To determine the location(s) that best satisfy your needs for buy property, you first have to understand that New Jersey is roughly divided geographically into a North and South, each with it's own unique flavor, center of focus, and even common speech patterns.  

The state is officially divided into counties and then municipalities

Some post office and census designated areas may also be located within a NJ municipality, but when searching for property listed on a New Jersey Multiple Listing Service (MLS), all properties will be found listed within their official NJ municipality name, even though the community may be better known by another name. 

For example, Marlton, NJ is officially Evesham Township.  So, when looking for property in Marlton, NJ you must search within Evesham Township.

Now that you have this basic understanding, you are ready to begin your search.



References:
New Jersey Fast Facts (Including North vs. South - NJ Style)
Survivor's Guide to New Jersey Speak
New Jersey Municipalities Explained
New Jersey related blog articles

South Jersey related blog articles
South Jersey Resource Centers
Search for New Jersey Property





For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 


Moving To New Jersey: Driving License and Motor Vehicle Registration Guide

If you are, or will be, moving into New Jersey, the following official NJ web address is an important starting point for anything to do with the New Jersey's department of motor vehicles, known officially as the Motor Vehicle Commission (MVC):

http://www.state.nj.us/mvc/Vehicle/moving_to_nj/


It will step you through the process of obtaining a New Jersey driver's license, registering your vehicles, important traffic rules you must know, and a quick checklist of what has to be completed when moving into New Jersey.

Your LicenseYour VehicleTraffic RulesChecklist


Note: You must transfer your drivers license and the title of your vehicles within 60 days of moving into New Jersey. 

For a general introduction to the NJ Motor Vehicle Commission, please reference my prior article: Introduction to the New Jersey MVC (formerly, the NJ DMV) 
 

Click here for list of locations
 

 

For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

PDA Handhelds - Palm TX with WiFi

A few weeks back I accidentally dropped my Palm PDA (Zire 71) on the ground and it landed face (screen) down on concrete and a rock.  Needless to say, the screen did not survive and I was forced to begin considering how I would replace it.
 
The PDA, which was originally purchased as a component of an e-Supra key package (which I no longer use), was satisfactory for my needs of being able to upload and update my address and schedule from my PC, download and read the latest news offline, read eBooks and access Dictionaries, Encyclopedias and other References that was stored on it (via a 1GB SD memory card).  While it did not have WiFi, Wireless nor Bluetooth communications capabilities, it addressed the majority of my portable data requirements.
 
I first tried to find a replacement for the unit (through eBay, as the Zire 71 is no longer available from Palm).  However, the prices of units in new or good condition were more than I wanted pay for used or discontinued products.  (For those that want to go that direction, please note that there is a Palm Zire 72 Silver Edition, also discontinued, that is essentially an improved Zire 71 with a better camera, video recording and Bluetooth capabilities.  It also has a faster processor.)
 
Palm TXAfter looking at various options I decided that my investment in Palm software, eBooks, etc. dictated that for this point in time, my next PDA should also run Palm OS.  That left me with limited PDA (handheld device) options as Palm is concentrating mainly on Smartphones, such as the Treo, and the new Foleo, essentially a laptop replacement/smartphone companion.  For various reasons, some which I have mentioned in prior articles, the smartphone or wireless handheld path did not fit my needs.

Palm's latest supported handheld device is the Palm TX, which has been out for a couple of years and there does not appear to be any new, strictly PDA (handhelds with no phone) versions in the works.  
 
The advantages of the Palm TX over the Zire are many... faster processor, WiFi and Bluetooth communications, newer version of Palm OS, larger screen with ability to rotate it from portrait to landscape, software compatibility with almost all my previous Palm software and data and expanded communication software.  Like the Zire, the TX plays MP3 music files and includes software to play your favorite MP3 music and podcasts.  They only feature that it's missing when compared to the Zire is a built-in camera.  However, since my cell phone has a camera, I did not need nor want it in a PDA. It still did not have Wireless (cellular) capability as a smartphone would, but my cell phone has text message, GPS and web access capabilities when/if I needed it.
 
When I purchased the Palm TX, I did not initially comprehend the many advantages that would be opened by having WiFi capabilities.  Those capabilities allow me to access my local network (including printers, network drives, computers, even control and watch TV) as well as access the Internet whether at my home or office -- which have wireless routers.

I heard about WiFi access points that are available everywhere for free, such as at McDonald's, Starbuck's, airports and many other places.  But what I had to learn was that, while these services are installed and supported for free, the use of the bandwidth is often not free.  Often the system will require you to subscribe to a service and pay for usage, by the hour or for a day or under a regular monthly plan.  If you do find a WiFi signal that you can access (and there are many people that surprising do not secure their signal), you have to stay within 300 ft of the signal to use it.  The service to which you subscribe varies from location to location and within a location there could be more than one WiFi service.  Since WiFi is limited to about 300 feet in range, if you are on the move -- not staying within the range of a WiFi signal -- WiFi is not practical.
 
In addition to the supplied software that comes with the Palm TX, here are some I would recommend to download and setup. Some are free while others are require payment of a relatively small fee in return for some great benefits...
 
Kinoma (allows to you to enjoy streaming video and audio, podcasts and more; fee require, worth every penny).
TCPMP  (plugins) (free; no longer actively supported; allows you to play many of the audio and video formats found on the Internet, including MPEG, FLAC and DIVX; wikipedia article) (now available as paid version with support and enhancements from CorePlayer)
PalmVNC (control your PC from your Palm TX; free) [see prior article]
PalmPDF(view PDF files; free); also AdobeReader (from Adobe - no recent updates; free)
FileZ (file management and system utility, explorer for internal and external memory - RAM; free)
AvantGo (download and read offline latest news, weather and mobile content; free and paid versions)
iSilo(eBook reader, free and paid versions)
BDicty (dictionary/reference content reader, free and paid versions)

The TX comes with it's own web browser (Blazer v4.3), but it does have limitations.  Newer versions of Blazer are available from Palm for the Treo, incorporating a built-in version of Kinoma.  Opera also has a version for Palm OS, called Opera Mini, that works, but is limited in the rendering it will do.  Opera is working on a newer and fuller featured beta version which is also available for download, but still has many bugs.  Both versions of Opera can be installed side-by-side.
 
There are also form fitting hard cases, screen protectors, microphones (using the USB connection) and more available from PALM and third party vendors.

Note that the Bluetooth feature is very limited as to what it can communicate with.  Some are saying they can get it to communicate with their web-capable phones, but others are saying that they are not able to do it with certain service provider phones, such as Verizon.  Regardless, if you require wireless access from a Palm OS handheld, then it makes more sense to just get a mobile device, such as the Palm OS version of the Treo.

For those interested in controlling and remotely watching their TV on their handheld, both locally and anywhere they have Wifi access, check out Slingbox.  It allows me to control and watch TV, including HD, on my PC and handheld.  It works great!
 
Don't forget to add a 1 or 2 GB SD Memory card.  They can now be purchased for well under $20.  Also, purchase an inexpensive (under $10) USB SD Memory card reader along with it, so you can easily transfer data between your TX and your PC via the memory card.


Additional Comments:
The latest Palm Treo running the Palm OS is the 755p -- still without WiFi and GPS. 

The supposedly named Treo 800w (there's also a Centro, etc.) will possibly be released around September and is said to have Wifi and GPS capabilities along with Windows Mobile 6, a 320x320 screen and a 1.3 megapixal camera.  (additional Report 1, Report 2, Report 3, Report 4, Report 5)

I originally had a VX6700, but the reception was not that great in my area and the features did not meet my requirements, so I returned it for the VX8300 phone which I currently have.

Hopefully, the next version of Windows Mobil (6 or later) will come closer to what I need and expect.
 

NOTE: See also the Comments section below for my updates to this article, additional resources and new related articles.
 
 
 
For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Some Things Home Buyers Can Ask For, But Often Don't

A recent article in Realty Times stated, "When you're sitting right in the middle of a buyers market, or at least an equitable market is the time when [home] buyers should start asking for the moon. If you don't ask, you'll never get what you want."

Here's is my short list:

Note: I'm assuming a normal real estate transaction, not a sheriff sale or similar scenario where you may not have the opportunity to even properly view the property before purchasing...

1. It's important to remember that unless you have the professional qualifications and experience, you never, ever, skip doing a home inspection, even if you are buying "as is".

If offering to buy "as is", always include a limit that home inspection remediation repairs can't go above, such as $5000 or whatever is appropriate for your situation. Then do as many other inspections that you desire within the agreed-on inspection period to minimize your buying risk. If the remediation repairs identified by the inspections go over the limit, you can still accept the property, but you will have the option to back out if you uncover unanticipated problems that significantly increase your costs.

2. Request a home warranty be included in the sale and paid by the seller. We are only talking about $400, but it can protect you from unexpected problems during the first year.

Even if seller does not provide it, unless you have a new home or completely updated systems and appliances, then it is probably worth paying for it yourself. (Or as the above mentioned article suggests, add the cost of the home warranty into the purchase price so it's paid for at closing.)

3. If you want to include personal property, such as items of furniture or appliances that are still in the house, even if identified as excluded by the seller, just ask. The worst that can happen is that the seller says, "No."

Items such as pool tables or even chandeliers, if not strictly sentimental in value, often are difficult to move and seller may determine that it's easier to install a replacement in their next house and include in sale to make the deal happen.

4. Ask for help with closing costs. Seller can pay a flat amount against the settlement costs, or can pay a point toward the mortgage.

What is allowed varies by location and the mortgage company. Since you should be pre-approved before making an offer, make sure you find out during the pre-approval process what your options are so that you can make your request to the seller and structure the sales contract appropriately.

The use of an experience Realtor who can effectively represent you during the negotation process can result in thousands of dollars in savings and/or added value in your home purchase.

Happy house buying!



For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Realty Reality - Blog Posts - Highlights - July 2007

Here are some of the Realty Reality blog articles that appeared during the month of July:
 
Home Product Life Expectancy Is Changing
Maintenance and repair: in many ways they're the phantom elements when trying to figure the cost of owning a particular home. Consumers often focus on easy-to-identify figures, the mortgage payments and property taxes of the world. When it comes to repair costs, potential buyers, current homeowners and sellers alike are usually tempted to come up with a rough "guesstimate". While there is no scientific way to calculate future maintenance costs, some of the mystery can be eliminated by considering the average life expectancy of home components...
 
Builder Confidence Falls Further In July
A surplus of unsold homes on the market, combined with ongoing concerns in the subprime mortgage arena and affordability issues associated with tightened lending standards and higher interest rates, continues to take a significant toll on builder confidence, according to the latest National Association of Home Builders/Wells Fargo Housing Market Index (HMI)...

New Residential Sales Index From Census Bureau
Sales of new one-family houses in June 2007 were at a seasonally adjusted annual rate of 834,000, according toestimates released jointly today by the U.S. Census Bureau and the Department of Housing and UrbanDevelopment...

Americans With Disabilities Act - Interesting Facts From The Census Bureau
On this day in 1990, President George H.W. Bush signed into law the Americans with Disabilities Act (ADA), guaranteeing equal opportunity for people with disabilities in public accommodations, commercial facilities, employment, transportation, state and local government services and telecommunications...

Online Video Watched and Shared By Internet Users
The growing adoption of broadband combined with a dramatic push by content providers to promote online video has helped to pave the way for mainstream audiences to embrace online video viewing. Fifty-seven percent of online adults have used the internet to watch or download video, and 19% do so on a typical day. Three-quarters of broadband users (74%) who enjoy high-speed connections at both home and work watch or download video online...

Eminent Domain Appeal Rejected in Lodi NJ
A New Jersey appellate panel rejected an appeal from municipal officials in Lodi to utilize eminent domain to seize private property including two mobile home communities. The decision reaffirms a 2005 Superior Court ruling that stated the evidence claiming the property as "blighted" was not strong enough to allow the municipality to seize the land for private redevelopment....

Prices Rise In June While Existing-Home Sales Decline
Sales of existing homes fell in June with some potential buyers staying on the sidelines, but prices rose modestly as inventories eased...

HUD Rolls Out Green Initiative For Some Properties
The U.S. Department of Housing and Urban Development(HUD) today rolled out a nationwide pilot program to encourage owners of multifamily Section 8 properties to rehabilitate and operate their buildings using "green building" principles that embody a combination of sustainability, energy efficiency, recycled materials, indoor air quality, and incorporate the healthy housing approach pioneered by HUD's Healthy Homes Initiative...

Wall Street -- Not The Fed - Keeps SubPrime In Line
Despite government calls for tougher regulation in the subprime mortgage market, brokers and lenders don't seem to be getting their guidance from Washington. Instead, they're turning to Wall Street...

Foreclosure Specials Thrive In Niche
Overextended homeowners in buyers' markets combined with stagnant employment opportunities in some communities increase the odds that individuals will find themselves in desperate mortgage situations. Despite the trauma foreclosures impose on homeowners and communities, real estate professionals-particularly foreclosure specialists-can make a difference...

Builder Confidence Falls Further In July
A surplus of unsold homes on the market, combined with ongoing concerns in the subprime mortgage arena and affordability issues associated with tightened lending standards and higher interest rates, continues to take a significant toll on builder confidence, according to the latest National Association of Home Builders/Wells Fargo Housing Market Index (HMI), released today. The HMI declined four points to 24 this month, which is its lowest level since January of 1991...

Home Prices To Recover in 2008 as Inventories Decline
WASHINGTON - Home prices are expected to recover in 2008 with existing-home sales picking up late this year and new-home sales rising early next year...

Celebrate: July 4th - Interesting Facts From The Census Bureau
On this day in 1776, the Declaration of Independence was approved by the Continental Congress, starting the 13 colonies on the road to freedom as a sovereign nation. As always, this most American of holidays will be marked by parades, fireworks and backyard barbecues across the country...



For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

 

Beige Book Released By Federal Reserve For July

The Federal Reserve recently published their latest issue of the Beige Book.  It is available online.

Beige BookThe following is a brief list of it's overall (national) summary findings (using data as of July 17th):
   
1. Economic activity continued to grow during June through mid-July, since the last report, with individual district reports indicating that the pace of growth was slowing.  Regarding economic growth: several districts reported modest or moderate growth, San Fransciso reported solid economic expansion, Atlanta and St. Louis reported it was mixed.  Philadelphia, Cleveland, Richmond, Chicago, Dallas, and San Francisco district reports indicated a decline in the overall rate of economic growth.

2. Retail sales were slightly weaker from previous report, but still higher than previous year.  Vehicles sales were flat or down. Gas prices were pushing buyers to more energy efficient vehicles, usually foreign made. 

3. Tourism remained robust, although a few districts reported the pace of growth had slowed.
 
4. Activity in the service sector continued to expand across most districts, especially for firms serving business customers.  Transportation showed an overall increase, with Philadelphia, Richmond, St. Louis, and Dallas indicating a recent expansion in rail freight and trucking activity.
 
5. Manufacturing had significant gains in most districts, especially for electrical equipment and information technology products. commercial aircraft and national defense production, heavy equipment, machine tools, and steel.  Demand for building materials was mixed but positive.  Reports indicated strong demand and further growth for chemicals, plastics, textiles, and processed food.  Most areas experienced reduced demands for smaller equipment related to residential construction.
 
6. Commercial real estate markets remained strong, including office and industrial space.
 
7. The housing market showed continue weakness.  Sales were down and inventory was up.  The exceptions are St. Louis and Dallas.  Some areas are starting to see an increase in demand for rentals.
    
8. Overall loan activity remained strong but slowing, with strength in commercial loans and weakness in mortgages and consumer loans.
 
9. Agricultural demand was expanding although conditions were being hampered by dry weather in some areas. 

10. Oil and natural gas extraction activities increased.  Natural gas production was high with some areas experiencing rising inventories and downward pressure on prices.  
 
11. Labor markets were tight in general and continuing to tighten.  Wage and salaries remained moderate in general, but picked up for some areas and increase was rapid within specialized skills and professional and mangerial experience. Hiring activity picked up, especially for skilled workers in certain industries.
 
12. Consumer prices show only modest or minimal increases, despite strong upward pressures.  Most districts reported rising price adjustments by transportation services.   
  
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 Lawrence Yerkes. All Rights Reserved. 

Remote Control Software

If you often have the need to access your personal computer from another location, then UltraVNC is a possible solution for you.  

UltraVNC is designed to allow remote ("viewer") access of computers ("servers") running any version of Windows, from a wide variety of windows and non-windows environments (Unix, Linux, Palm OS, Mac OS, etc.).  Best of all, because UltraVNC was developed and is released under the GNU General Public Licence, it's free!

Since I have special software, including email, that must only run at one location in order to avoid licensing and data synchornizing problems, I have my notebook and office computer set up so that I can access my home computer. 

I also have a Palm TX that can also access, view and control my personal computer.   I have even used it at home while in a different area of the house or out in the yard to quickly view and control my personal computer.  (It allows me to use a stylus on my Palm TX which responds on my personal computer as if it is a mouse.)

While this software is relatively easy to use (you can get by for the most part with just using default settings), it does require some knowledge of computers and networks, especially during setup.  If you don't have that knowledge, then get someone to help you with the installation and setup process. 

After setup, I have found it to be very easy to use and the response time -- between taking action on the remote ("viewer") system and seeing a response on my personal ("server") computer -- is minimal.

UltraVNC: http://www.uvnc.com/

VNC for Palm: http://palmvnc2.free.fr/index.php

Other variations of VNC:
http://www.tightvnc.com/
http://www.realvnc.com/
http://metavnc.sourceforge.net/
http://www.vncscan.com/

Wikipedia: VNC



Visit my web site for additional 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.

IRS Tax Information for Individuals, Businesses, Charities, Non-Profits and More

The IRS web site has established online tax resources for Individuals, Businesses, Charities and Non-Profits, Government Entities and more.

For example, the Individual resource section contains specific information for:
Employees, Farmers, International Taxpayers, Military, Parents, Self-Employed, Seniors & Retirees, Students.

The Businesses resource section contains specific information for:
Corporations, International Businesses, Partnerships, Small Business/Self-Employed.

The Charities and Non-Profits resource section contains specific information for:
Charitable Orgs, Churches and Religious Orgs, Contributors, Other Non-Profits, Political Orgs, Private Foundations.



Visit my web site for additional 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.

Introduction to the New Jersey MVC (formerly, the NJ DMV)

In 2003, New Jersey reorganized and renamed it's Division of Motor Vehicles (DMV) to the Motor Vehicle Commission (MVC).  
New Jersey MVC (Motor Vehicle Commission - NJ DMV) 
According to the NJ MVC's web site, "We initiated fundamental changes and reforms, placing customer service at the top of our priorities. We have also increased our security levels at every Agency throughout the state, making it more secure for you to conduct business with us.
 
Since the Agency's restructuring in 2003, we have created the nation's most secure Digital Driver License (DDL) with more than 20 embedded security features. New Jersey has been cited as having one of the top two most thorough and secure ID verification policies in the country.
 
As part of our facelift, we have enhanced our online features to make your experience with MVC more convenient and enjoyable. We now offer a multitude of services on our web site hoping to eliminate unnecessary trips to your local MVC Agency."   The NJ MVC also offers an online MYMVC service.
 
While no organization is perfect, from my recent experience it did result in reducing the wait time at most locations (unless you come at a peak time of the month -- usually the beginning or end of the month or before or after an official holiday).   

The NJ MVC's web site lists locations, hours of operation, services offered (titles, licenses, inspections; written, eye and driving tests, etc.)  Note that each location provides a subset of all services offered statewide.  You may have to travel to more than one location to complete a transaction.  There are a few situations where processing can only be completed at the Trenton location.  However, your local office will be able to direct you accordingly.


Official New Jersey MVC web site:
http://www.state.nj.us/mvc/   [Click here for list of locations]

 
The "unofficial guide to the DMV" (including the New Jersey MVC)
http://www.dmv.org/nj-new-jersey/department-motor-vehicles.php
driving records: http://www.dmv.org/nj-new-jersey/driving-records.php
  
 
 
For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

IRS Online Tax Information For U.S Armed Forces and All Military

The Internal Revenue Service has information resource pages tailored to specific segments of the population, such as individuals, businesses and non-profits, for example. 

Online tax information resources are also available for sub-groups with those segments, such as the military and contains additional links to IRS information bulletins of interest to active U.S. Armed Forces and general military members.

Below are IRS links pages specific to the military...

Tax Information for Members of the Military - An online reference page designed by the IRS specifically for members of the military.

Tax Information for Active Members of the Armed Forces - Information about tax laws that provide some special benefits for active members of the U.S. Armed Forces, including those serving in combat zones.

Note: For federal tax purposes, the U.S. Armed Forces includes officers and enlisted personnel in all regular and reserve units controlled by the Secretaries of Defense, the Army, Navy and Air Force. The Coast Guard is also included, but not the U.S. Merchant Marine or the American Red Cross. However, these and other support personnel may qualify for certain tax deadline extensions because of their service in a combat zone.

(Source: IRS)
 
 
 
For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Motorcycle Helmet Selection Guide

For those who are just buying their first motorcycle helmet or replacing an older helmet, there are online resources providing an introduction to the styles, standards and selection process -- to insure you get the best fitting and safest helmet for your requirements and budget.Motorcycle Helmets - Full Face - Lift-up chin
 
Good helmets range from about $100 to $500, from manufacturers including Z1R, HJC and Shoei.  For example, if you are  looking for a good full face, street riding helmet with a left-up chin guard (allowing you to eat or put on eye glasses without removing the helmet), they will start at just under $200 (Z1R, HJC), going up to around $500 (Shoei).
 
There are several helmet standards, but in the U.S. all should at a minimum meet the federal DOT standard. Without a "DOT" certification logo on the helmet that you wear when you ride you motorcycle in to be inspected, you will not be able to pass the inspection.
 
Here are some online motorcycle helmet resources to get you started:
 
Motorcycle Helmet Performance: Blowing the Lid Off -- This is a great article on motorcycle helmets -- performance, standards, comparisons and more.
 
Wikipedia - Motorcycle Helmets
 
How To Buy A Helmet
 
Helmet Standards
 
 
 
For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Medford Lakes Canoe Carnival 2007

Medford Lakes in Burlington County, New Jersey held it's Canoe Carnival on the first Saturday of August has it has done for the previous 75 years.

It was a warm summer's night and everyone enjoyed the night out with family and friends watching the creativity and entertainment as it floated by on paddle-driven canoes.    For background information about the rules and requirements for floats and a little history of the Canoe Carnival, see the general information link below for some of my previous articles about the carnival and about Medford Lakes.

This year, as in the previous couple of years, the Canoe Carnival was held on Beach #3, while Beach #1 was still being repaired.  Now that Beach #1 is near completion, future carnivals will return to that beach.  However, since Beach #3 residents have had a taste of hosting it, it will be interesting to see if they will develop any new traditions that become part of the annual Medford Lakes event.

[Click here for more background information about the history of the Canoe Carnival and Medford Lakes.]

Here are some pictures that hopefully will give you some of sights that was experienced...



Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)


Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)
 
Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)

Medford Lakes Canoe Carnival 2007 (Burlington County, NJ)



Click here for more background information about the history of the Canoe Carnival and Medford Lakes. 



For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Video Game Console and Software -- Retail Sales Charts and Statistics

If you need to keep up on who is winning the retail war in the sale of video games consoles, then VG Chartz may be for you. It provides American, Japanese and worldwide statistics and charts for retail sales (sell-through) of video game consoles as well as leading video game software.

Video Game Sell-Through Retail Sales ChartsAccording to their site, "VG Chartz has one simple goal - to provide the most accurate, up to date and comprehensive videogame sell-through charts in the world.

In order to achieve this, VG Chartz collects and makes projections of sell-through data from retailers for a variety of different markets - Japan, US, Canada, UK, France, Germany, Spain, Italy and many other smaller world markets. VG Charts has one primary concern with regard to data collection in this way and that is ensuring that the sample sizes used are significant enough to accurately represent the entire markets in which the samples are based. VG Chartz verifies the accuracy of sell-through data by comparing with manufacturer production and shipment data and also by comparing with competing sell-through services, if available. By constantly adjusting sell-through data and adopting a multifaceted approach, we can present information that is as unbiased, accurate and as complete as possible."

They also provide community forums for users to share 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 Lawrence Yerkes. All Rights Reserved

Rail Service From Philadelphia to New York City Through Trenton

Delaware Valley - New York City Metro areasRail and subway service is available from Philadelphia and surrounding areas with connection in Trenton for service on through to New York City (Pennsylvania "Penn" Station) and it's subway system.  Here are the links you need for stations, schedules, maps and fares...

SEPTA (Southeastern Pennsylvania Transportation Authority) - Subways, Trolleys, Bus and Rail services

NJTRANSIT (New Jersey Transit Authority) - Bus and Rail services


See also our web article: Getting Around New Jersey - Travel Information

as well as our blog article: Delaware Valley - Transportation

 

For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Medford Lakes Canoe Carnival 2007 On For Tonight

Once again, the Medford Lakes tradition of holding the Medford Lakes Canoe Carnival, under the auspices of the Medford Lakes Colony Club, on the first Saturday in August (based on historic weather records indicating a very high probability of nice weather on that day) will proceed this evening with clear weather and offering another great time for the entire family.Medford Lakes Canoe Carnival Photo and Results Archive

 
Related resources:
Medford Lakes - Wikipedia
Medford Lakes Colony Club
Medford Lakes Canoe Carnival Picture Archives

 

See my previous post about Medford Lakes' Canoe Carnival 2006 for a 'taste' of what it is all about.


 
For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved. 

Sudoku National Championship 2007

The first ever Philadelphia Inquirer National Sudoku Championship hosted by Will Shortz takes place October 19- 21 at The PA Convention Center! It's a wonderful family event and fun for puzzle lovers of all ages! Plus over $18,000 in prize money!
Sudoku National Championship - Philadelphia 2007
For details, registration, and to listen to a Will Shortz podcast visit http://lyris.philly.com/t/16970/1231569/90/0/ today!   (Source: Philadelphia Inquirer)

For more information about Sudoku resources online, see my previous article, BreakTime: Sudoku Online




For real estate resources, help and support services in acquiring or selling properties in New Jersey, Visit my web site: 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 Lawrence Yerkes. All Rights Reserved.