Saturday, October 28, 2006

CLUE Report Alerts Buyers To Damages

A Comprehensive Loss Underwriting Exchange history or CLUE report can help buyers avoid surprises after the deal closes by encouraging buyers to review a home's CLUE report.

Based on claims information submitted by insurers to the CLUE database, the report includes dates, types of claims, and the amount paid for each claim. If the report shows no losses, a home buyer can feel confident that no one has filed a fire, flood, windstorm or other claim against an insurer. However, if a claim has been filed, the buyer will know to take an extra-hard look at the area that was damaged. Also if the report shows that someone has filed a water-based insurance claim for mold, that might be reason enough to move on. A mold claim often makes it difficult for subsequent owners to obtain homeowners insurance. And if they can obtain insurance, it might be extremely expensive.

Only the home owner can obtain a CLUE report, so the buyer will have to ask the seller to purchase one. The report costs $19.50 and can be obtained from the ChoicePoint Web site.

If you would like more information on CLUE reports or are interested in buying a home in central New Jersey, visit my website. Here you can view all real estate listings.

Friday, October 20, 2006

Small Business Tax Advantages

Today, small business owners can take advantage of accelerated tax depreciation benefits just by purchasing a new Land Rover before December 31, 2006. See your tax advisor to determine if you are eligible for this benefit. Visit for details.

There are, also, tax advantages to owning your own home. The mortgage interest on your personal residence is tax deductible. Thinking of buying central New Jersey real estate? Visit to view all central New Jersey real estate listings.

Saturday, October 14, 2006

Time For Pumpkins & Corn Mazes

October...time to put away the shorts, pull out the sweaters and head to a pumpkin patch or corn maze for an afternoon of fun. Don't know where one is? This link provides you with all the local information.

October is also a great time to think about buying or selling a home. visit my website for all New Jersey real estate listings, get the current market value of your home and more!

Friday, October 06, 2006

New Jersey Voting Information

Voting Information

General Election Day will take place on Tuesday, November 7, 2006. This year, the election takes place between voting years for the President of the United States. Therefore, 2006 is known as a “midterm election” year. In New Jersey, the thirteen seats of U.S. Congress and one of the U.S. Senate seats are up for election. The U.S. Senate candidates will be voted upon throughout the state. The U.S. Congressional Representatives will be elected into office by voters in the thirteen Congressional districts in New Jersey. There are also many local races that will take place at county and municipal levels.

Important Dates to Remember for the 2006 General Election:

Last day to register to vote for the 2006 General Election October 17
Absentee ballot applications due by mail October 31
Application deadline for Faxed Overseas Federal Ballot November 3
Absentee ballot applications due in person November 6
General Election Day
(Poll hours: 6:00 a.m. – 8:00 p.m.) November 7


Voter Registration Instructions

In order to register to vote in an election, you must be a United States citizen, at least 18 years old and reside in your county for at least 30 days before the election. Learn more about military and overseas voting.

To register to vote in New Jersey, mail your completed Registration Application to the Commissioners of Registration office in the county where you reside.

Registration deadline - 21 days prior to Election Day (October 17, 2006)


Change of Name/Address

Have you recently moved or changed your name?
Note: The Registration Application form can also be used for name and address changes.

If you’ve moved to a new city or town, you may have moved to a new district.
Find your County Clerk and contact them to check your voting district.

Don’t forget to bring your ID to the polling place!


Applying for an Absentee Ballot

According to the NJ Division of Elections, any New Jersey voter can submit their vote via absentee ballot for any election.

To apply for an absentee ballot, download, print and complete the Absentee Ballot Application. Since an original signature is required, you must mail (7 days before the election) or hand deliver (by 3:00 p.m. on November 6, the day before Election Day) your complete application to the County Clerk.

For more information visit the NJ Division of Elections Absentee Ballot Information Page.
If you are thinking of buying or selling a New Jersey home, visit my website to view all real estate listings, get the current market value of your home and more!

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