NJ Nets 2009-2010 Preseason Outlook

After losing Jason Kidd, Richard Jefferson and Vince Carter the past year and a half, the Nets are looking to build around a talented, young core to become contenders again. New York Nets tickets sold a lot more when they were contending every year in the NBA.

Casual basketball fans might not know at this point who exactly is on the Nets, but the potential they have with young talent could turn this team around early during their transition period.

The team's new franchise player is Devin Harris. He broke out last season as one of the young stars in the NBA, making Dallas fans question why they brave him up for an old Jason Kidd. Brook Lopez is the centerpiece inside, and after an impressive rookie campaign, big things are expected for the former Stanford star.

One of the most interesting pieces of the Vince Carter trade was Courtney Lee. Another young prospect who has shown flashes of talent, he could be a wing for the Nets for quite a while.

With all this young talent, sometimes the most important player who will make this team a contender or pretender is Yi Jianlian. After coming to the NBA from China a few years ago, he is already on his second team and many question if he'll ever become a star. The minutes will be there for him to take, now he just needs to perform.

Those looking for New Jersey Nets tickets will be looking to catch them before they make the move to Brooklyn. The good thing about New Jersey is they seem to have tickets available, so you will be able to not only watch a rising team, but also the best teams come in and contend. Do not sleep on the Nets this year, they could certainly surprise some people this season.

Winning Bidding Strategies – From The Tax Lien Lady

Recently I went to a tax sale in New Jersey. It was a very small tax sale in a small rural borough. There were only 7 properties in the tax sale and I was able to get 2 liens at 10 and 12 percent. That's not bad at all in today's competitive tax sale environment in New Jersey. Usually at a tax sale like this I come away empty handed because I'm not willing to pay premium for small tax liens.

Most of the liens in this sale (all but one) were under $ 600. In some states, local governments sell utility liens at the tax sale right along with the taxes. Anything that is paid to the local municipality can be sold as a tax lien at these tax sales. Most of these liens were for either water or sewer delinquencies. Only one lien included taxes along with delinquent sewer amounts and was just over $ 1700. All of the others were for either water or sewer amounts or both.

The trend in the last couple of years in New Jersey has been to bid premium on these small utility liens. Investors are willing to pay premium on these liens in order to pay the consequent taxes. But on small utility liens, you usually do not get to pay the outstanding tax payments, but only the consequent sewer or water amounts which are much smaller than the tax amounts. Keep in mind that in New Jersey, the interest on the lien is first bid down to 0% before premium is bid. Although you do get your premium back if the lien is redeemed in 5 years, you do not get interest on the premium amount bid or on the lien amount. You do get a small penalty on the lien amount and the statutory interest rate (18% once the tax payer is $ 1500 delinquent and 8% on anything before that).

What some tax lien funds have been willing to pay to get these small utility liens has gotten a little out of hand. In the last year I have seen them pay up to $ 1500 premium to get a small $ 200 or $ 300 lien. What that really amounts to is that they are making such a small blended return on their investment that it's really not worth it at all; especially for the individual investor.

So how was I able to buy 2 small liens at decent interest rates at the last tax sale I attended? First I went to a small sale that had only 15 liens on the original tax sale list and there were only 7 properties left on the list on the day of the sale. Secondly, there were no really big liens in this sale; the largest one was under $ 2000. Large liens bring out all the competition.

Third, you've got to know when to stop bidding. I actually was a little lucky at this sale as there was only one other bidder representing a tax lien investing fund company. I bid on every lien except one, but I did not bid him down too far. If you do not get greedy and insist on bidding every lien to your bottom line, then the other bidders might not bid every single lien down to their bottom line.

The forth thing is that I was happy to get the crumbs from this sale. What I mean is that the 2 properties that I got liens on were the worst properties in the sale. One was bank owned and falling apart. It had not been taken care of in years. You can see a picture of it on the cover of this issue. You can not see it from the picture, but it also had junk piled up in the driveway and backyard and a dilapidated, falling down shed in the back. The other house was vacant and about to be foreclosed by the bank. It was also a very small house with no garage, in need of some TLC and a lot of updating.

If I had decided not to bid on these properties because of their condition, I would have missed out on a couple of good liens, and the only liens that I would have been able to get. You have to be willing to take what the big boys do not want or are willing to let go. These properties may be vacant and in terrible shape but they are still good liens. The bank is going to redeem them at some point, but probably not until they sell them which could take a long, long time. That will give me time to pay subsequent utility payments (remember these were small utility liens, add to my investment and make more interest!

Jerseys – T-shirts and Road Barriers

A jersey, as we all know, is a piece of clothing in cotton or wool, often light in weight, with sleeves and usually without collars worn like a loosely fitting pullover without button in front.

Usually, jerseys are used mainly in sports to create common identities between players and the teams they represent. They are mostly single color toned with player name and number, team markings such as emblem or logo and carry logos of sponsors and affiliates as well as a promotional and marketing tool. Sports such as cycling, football or soccer, hockey, cricket, baseball, athletics etc involving multiple players use jerseys made of synthetic, microfiber material that aids in sweat evaporation.

How the term ‘jersey’ came to be applied to these garments throws up interesting facts.

T-shirts, so called because they follow the ‘T’ shape of the body, are made from heavier fabric but are also sometimes manufactured from light-weight and synthetic material. T-shirts are more fitting than shirts of jerseys and can be in single color or with designs, patterns and stripes and are usually one of a kind.

The name ‘jersey’ was adopted from the Jersey Channel Islands which became known for its knitting trade in the medieval period and came to denote most forms of knitted fabric. Navy blue was the most popular color used in the dyes as it does not require stripping the material of its natural pigment or oil.

A Jersey is also used to refer to a most unusual object – traffic partitions on highways, which are known as Jersey Barriers. These are commonly seen in many countries these days to divide traffic lanes. These are designed to ensure driver safety on both sides in the event of a vehicle crash. The earliest designs used in California in 1946 replaced the standard wood beam guardrails on the state’s Ridge Route Highway, a treacherous section that saw many head-on collisions. In 1949, the state of New Jersey pioneered a new design that adopted comparable concrete structures and saw the installation of parabolic median barriers along sections of highways that had steep downgrades. Through a series of design tinkering and better prototypes a standard barrier design was established. Although many other states implemented these barriers, their identity as a New Jersey state development remained.

Jersey Barriers are designed in a manner that redirects a vehicle crash causing the momentum to absorb the impact of the crash and push the vehicle parallel along the barrier’s side so that a rollover is prevented. Over the years other designs and barrier shapes have been created but Jersey Barriers are highly acceptable because of their high pass percentage in the crash tests administered by the NHTSA (National Highway Traffic Safety Administration).

Unscrambling Autism Laws

Insurance companies are reluctant to pay for ABA therapy sessions. Laws differ between states and parents of autistic children are often found at the receiving end;

Eddie Miller, of New Jersey, was an energetic two-year old boy who loved to draw and paint. He would love jumping on trampolines. But his parents soon noticed that he grunted instead of talking and was not able to make eye contact. A few days after his third birthday, Eddie was diagnosed with autism.

It was a shattering moment for Deborah Miller, Eddie’s mother. Seeking the best care for his child, Deborah and her husband Kenneth, found applied behaviour analysis (ABA) the most effective. After several one-on-one ABA sessions, Eddie’s grunts converted to words like ‘cookie’ and ‘juice’, which later evolved into sentences like “Can I have some juice?” The therapy was working.

But soon the insurance company began denying the claims.

While laws in both New Jersey and Pennsylvania require all insurers to pay for ABA therapy, Eddie’s was not covered in his school, where he needed it the most. It was almost impossible for the Millers to pay the annual $75,000 as therapy costs. Eddie’s language skills plummeted once the ABA was stopped and his behavior went out of control. The Millers could only watch in helplessness.

Though autism laws in both New Jersey and Pennsylvania were enacted before 2010, families like the Millers are still trapped in large gaps. ABA coverage is usually hard to obtain and payments are often delayed. The laws also don’t apply for autistic adults.

The problems, experts say, will continue because autism incidents are growing alarmingly in the country. It’s prevalence is around 120 percent more than the estimates between 2000-2010., with the numbers revealing that autism affects one out of 68 US children.

Autism prevalence in New Jersey-one in 45 children-is significantly higher than the rest of the country’s average. Ever since the autism laws were passed in the state, there has been a noticeable ebbing, but there are problems as well. Patricia Young, a practicing attorney helping autistic patients get insurance coverage, has collected health scheme related complaints from at least 30 families.

It’s harder to ascertain the prevalence of complaints in Pennsylvania because the law there compels the insurance scheme for poor to cover autism. Subscribers unpaid by private insurers can opt for this scheme which covers the full autism treatment therapies.

Patricia warns that ‘a tsunami’ of older autistic adults is coming. Over 32,000 autistic adults are likely to stay in New Jersey by 2020. She has worked with various social organizations to set up a couple of funding schemes for adult autistics. She, however, admits that these programs aren’t big enough to cover all adults and even lesser compared to future demands.

Many insurers, like in the case of Eddie, avoid covering therapy charges in schools, including ABA. They usually dump the costs on public schools and other agencies.

The insurance companies have their side of the story as well. They say that since ABA is therapy based and usually doesn’t require medication, it can’t be covered under insurance. Many parents of autistic children have moved court to extract their dues from the insurance companies.

Purchasing Left Over Tax Lien Certificates and Tax Deeds

I get a lot of questions from subscribers to taxlienlady.com that want to know how they can purchase tax liens or tax deeds through the mail. They specifically want to know about left over tax liens and tax deeds. These are tax lien certificates or tax deeds that are "left-over" from the tax sale. In other words no one bid at them at the sale and they were contracted of to the county, state, or municipality. In most states if the delinquent tax property is not sold at the tax sale, it is stuck of to the county or municipality. A few states allow the assignment of tax lien certificates or tax deeds to investors. There are pros and cons to purchasing left or assignment liens or deeds from the county.

On the positive side, there is no competition; you do not have to bid against other investors. For liens and redeemable deeds, you may be able to purchase a lien or deed in which the redemption period has already ended, or is close to being over, in which case you may wind up with the property. For some deed states, since the county, state, or municipality has already taken title to the property, you may not have to go through a title clearing process (quiet title or title certification process). You'll have to check with the county to find this out.

On the negative side, leftovers are usually not worth bidding on in the first place and that's why they were not sold at the sale. In smaller counties, and in states where the tax sales are conducted by the municipality (New Jersey, and the New England states) there is usually nothing worth that is left over. To find leftover tax liens or deeds, you have to go to counties that have very large lists (a few thousand properties) to begin with. And you'll have to sift through a lot of junk to find good properties.

Sometimes you can find a nugget of gold in the leftover tax sale list. I know a couple of tax lien investors in Arizona who do this regularly as well as a couple of tax deed investors (in Texas and Pennsylvania) who have done this. With more and more people becoming interested in tax lien and tax deed investing and going to the auctions, there are less leftovers available than there used to be. My advice is to use extreme caution and be extremely rigorous with your due diligence when purchasing leftover liens or deeds. I also believe that investing long distance in leftover liens or deeds is a mistake if you do not have someone that can physically look at the property for you.

If you would like to find out more about how to find that nugget of gold in the left tax sale list, this is the topic of Tax Lien Lady's next teleseminar interview with Brendan Monahan of Arizona Tax Liens on March 15, 2007. To register for the teleseminar at no charge go to.

History of the Jersey Barrier Industry

The importance and necessity to deploy concrete median Jersey barriers along traffic routes is no longer a debatable issue, as numerous studies and researches have amply demonstrated their functionality. From the very first time that the California highway authorities used the concrete Jersey barriers, along the Grapevine Grade, on the US route 99 in the year 1946 until date, the Jersey barriers have been instrumental in averting head on collisions and reducing fatalities on roads. The next important phase of deployment of the concrete barriers was in 1955, when the New Jersey State Highway Department developed and used the barriers to divide highway lanes. From then on, other state highway authorities recognized the importance of deploying the barriers and several states adopted these measures to advantage, on their roads and highways.

The concrete barriers underwent several changes in designs and specification in sizes from the early F-shaped barrier, constant slope barrier to the Ontario Tall Wall, California K-rails and the plastic barriers that are becoming increasingly popular. The earliest concrete barriers were not very tall structures; just 18 inches high, but as time went by, and vehicle designs changed and taller vehicles hit the roads, so did the heights of the barriers. Today we have median concrete Jersey barriers that are 3-5 feet tall. The basic design remains, as parabolic curved surfaces on either side as this has proved effective in redirecting the errant vehicle back into the traffic stream and minimizing damage in the event of an accident. Shea has been a pioneer in the production of precast concrete products since 1949 and their latest product is the J-J hook concrete barrier, which according to the company is extremely simple to assemble that, “Two men and a truck can install 6000 ft, in one shift.”

With the success of rotational molding and the use of plastics becoming commonplace, hundreds of new and cheap products for daily use were introduced in the markets. Huge plastic items like storage tanks for fuels, chemicals, and water, marine and recreational products, specialty furniture, and Jersey barriers were some such products that caught peoples’ fancy, as these items were lightweight yet strong, durable and easily portable. Several companies successfully created plastic barriers that were lightweight but used as barriers when ballasted with water, sand or any other ballast material. These companies have taken the functionality of the barriers to newer levels and today the barriers also function as crowd control barriers, force protection and anti-terrorism safety devices, and to cordon off gate approaches, construction zones, traffic control, airport security, air shows and race tracks.

Yodock Wall Company, Inc. a family based business, is a top name to reckon with in the plastic Jersey barriers and barricades industry. Manufacturing top quality barriers and barricades, this company serves several industries like traffic control, airport maintenance, military and Homeland security and general construction.

Armorcast Products established in 1966, has multiple manufacturing capabilities and they manufacture plastic Jersey barriers and other protective enclosures using rotational molding. Their safety and security barriers and barricades bear their logo, Guardian. Other companies that are relatively new entrants in the field of plastic Jersey barriers are Remcon Plastics Inc.,that entered the safety products market in 1990 and Rhino Safety Barriers incorporated in the year 1999. Both companies have introduced innovative designs and have products that comply with NCHRP 350 standards.

OTW Safety products sell their barriers under the Smart Jersey Barrier brand name and the company has been designing, testing, and manufacturing Jersey barriers since 1993. A market leader since 1988, Rochester Rotational Molding manufactures colorful Jersey barriers as well as accessories for the barriers like solar powered barricade lights and incandescent plastic barricade lights. With several such key players in the business, we can look forward to new, innovative designs and highly functional Jersey barriers.

The Jersey Giant

Wow … what can I say about the Jersey Giant but what a colossal breed of Chicken. They are a BIG bird! This Chicken is a Dual-Purpose Breed, (meaning they can be used as layers or a meat breed) and comes in 3 different Color variations.

Origin

This breed was originally developed in New Jersey (of course) between 1870 and 1890. This breed was originally known as the "Jersey Black Giant" and was named after its creators John and Thomas Black, not for its color! It is also one of the world's largest Chicken Breed.

The Jersey Giant is actually a mash up of other breeds used in it's development process. The breeds used were the "Java", "Langshan", "Brahma", "Cornish Game Hen", and later on the "Black Orpington". The concept behind this breed was to was to create a breed that was large and meaty enough to replace the Turkey as a table fowl.

Of other note, The Jersey Giant was not accepted into the American Standards until 1922!

Appearance and Temperament

Known to weigh up to 16 Pounds, the modern average weight of the Jersey Giant is around 13 pounds especially in Roosters of the breed. Feather coloration includes of course Black, White and Blue Lace. The black feather coloration should include a slate or gray undercolor. Also, the Black feather variation should have a green sheen to their feathers.

All color variations can have greenish (Willow) color legs. A Mature Jersey Giant should have a full, broad breast transported forward. The eye color should be Brown or Black .

The Jersey Giant Chicken is a hardy breed, docile, and generally even tempered. They are better suited as free range or should have access to a large area. They are very active and enjoy foraging for themselves! They are excellent for the beginner who is just starting to raise chickens.

Jersey Giant hens are good layers and are known to lay through the year. They Jersey Giant is a very good brooder also. If if you plan on raising your own chicks this is a good breed to use for that purpose.

Keep in Mind

1) This breed is a BIG Chicken, they need lots of room, and low perches for roosting. If you are planning to raise some, your gonna need a big coop.

2) They are Big Eaters and it takes a long time for them to fully mature.

3) They are generally low in stock at hatcheries.

Affirmative Defenses to Foreclosure Based on Lack of Standing and Fraud For Foreclosure Answers

Homeowners who wish to file answers asserting affirmative defenses in response to a lender's complaint of mortgage foreclosure should take note of recent legal developments involving some major banks that may increase the likelihood of success in stopping foreclosure. Recently, several of the country's largest banks have acknowledged that their documentation of many loans is faulty. Some of the subject documents in question are essential to a financial institution's ability to lawfully foreclose upon a homeowner.

Among other defects that have recently come to light, it now appears that thousands of mortgages were transferred between financial institutions without proper documentation. As a result of missing assignments and / or other documents, many financial institutions lack evidence of their legal standing that is required for them to pursue judgments of foreclosure.

In judicial foreclosure states (for example, Florida, New York, and New Jersey, among others), homeowners who wish to raise lack of standing as affirmative defenses to foreclosure should set forth the lack of standing defense in both their answer to the foreclosure complaint , as well as in a motion to dismiss. In non-judicial foreclosure states (such as California and Nevada) homeowners may file complaints and orders to show cause to stop foreclosure sales.

Recently, a trial court in New York ruled that a plaintiffiff-financial institution was not entitled to an order of reference (an essential component of any foreclosure proceeding in New York) because it was unable to prove that it was the lawful holder of the note and mortgage at the time that the foreclosure case had been filed. In particular, the court noted that there was no evidence that the underlining promissory note had either been delivered to the plaintiffiff or a proper written assignment prior to the foreclosure action.

Homeowners with variable rate mortgages may wish to consider including the affirmative defense of fraud in their answer to a foreclosure complaint. Such defenses are specifically promising given the recent settlements of several financial institutions in connection with allegations that variable rate mortgages were deceptively packaged and characterized, without full disclosure of their significant risks and pitfalls.

As irregularities in the foreclosure industry has become increasingly publicized, homeowners are more likely to succeed in their efforts to convince courts to stop foreclosure. However, in order to succeed, it is essential for homeowners to become actively involved in the legal process by filing appropriate foreclosure defense forms, including foreclosure answers and motors for temporary restraining orders.

Jobs in Jersey City, NJ

Jersey City is the second largest city in the state of New Jersey, is part of the New York metropolitan area, and is situated right next to Manhattan. This city boasts of several industries and commercial establishments and has welcomed people of all cultures into its fold. People that want a job in this scenic city can shift through select by using various media to locate the one that will provide them a decent salary and job satisfaction at the same time.

Jersey City has a very high level of personal income partly because it has merged with the richer suburbs of neighboring New York and partly because of hard-working migrants that have migrated to this city in large numbers. This ensures choosing from jobs that will pay decent salaries as compared to other cities and states. The state of New Jersey has several industries that contribute handsomely to its economy. Prominent among them are chemical, agricultural, electrical, pharmaceutical and food processing, among others. Job seekers have a wide choice of choosing from several jobs in these sectors provided they have mastered the necessary skills. Some of these industries are also located in Jersey City and people can look for matching jobs in Jersey City, NJ if they do not want to travel out of the city.

With several huge banks and financial institutions already present in Jersey City along with several IT companies setting up base, jobs such as those of customer care representatives, systems analysts, auditors, financial analysts, and other related jobs are usually on offer for job seekers. There are several large hospitals in this city that also require therapists, nurses, doctors, surgeons, and other employees to take care of the administrative side. Job seekers can go over newspaper classifieds and locate jobs in Jersey City, NJ that suit their current skill levels. However, in addition they should also browse through the Internet since many companies post their requirements over this medium.

Job seekers should try to locate an online agency that collects their resume and offers them related jobs after thorough research. This will offer them a chance to receive many more job offers that would have escaped their attention had they specifically searched for jobs online. This in turn will enhance their chances of getting a job that has better future prospects along with a fatter pay package. The close proximity to New York and Manhattan means that job seekers that live a little far away can also try for a job in Jersey City since this city is well connected by rail, road, and water to all neighboring cities. With several educational institutions present in the city, it offers good education for children of people seeking jobs as well as also offers job opportunities in the education industry too.

Jersey City may not be large in size but it offers a large variety of jobs across several sectors to lure many job seekers into this diverse city. People that are armed with the right job skills are sure to find that they can shift through select jobs in Jersey City, NJ and choose one that fits their bill, and pays their bills too. People seeking jobs should certainly try to find an online agency that helps them to match their resumes with possible jobs so as to have a better choice at getting the job of their dreams.

Overview of EMT Training in NJ

In the state of New Jersey, the design of EMT- Basic (B) is reserved for students and volunteers who complete the United States Department of Transportation approved Emergency Medical Technician-Basic training program and certified with the EMT-B certification by the Commissioner of the New Jersey Department of Health and Senior Services in accordance with the New Jersey law.

EMT Training in NJ is 120 hours long and approved by the New Jersey Department of Health and Senior Services, Office of Emergency Medical Services EMT-Basic certification program. The training program is based on the National EMS Education Standards curriculum and National EMS Scope of Practice. Currently, there are 53 approved training schools, community colleges, universities, hospitals, private and public agencies, and medical centers for EMT-B training programs in the state.

Although, New Jersey EMT training programs adopt National EMS Education Standards curriculum, the training providers can develop their own training courses based on the National EMS Education Standards and local requirements. In addition, private organizations and agencies that are certified by the commissioner for EMT-B training programs and certification or recertification are also eligible for reimbursements from the state's "Emergency Medical Technician Training Fund" or EMT Training Fund.

EMT-Basic Program Curriculum

The Department approved EMT-Basic Program Curriculum has 7 training modules. The students are required to complete each curriculum model and pass the exam for that model to move to the next module. The students who fail in a module exam can retest two times, but if they fail to pass even after two attempts, their training programs become null and void, and they are disqualified from the certification exam. However, they can get eligibility for the exam again by reapplying, enrolling, and completing entirely new EMT-Basic training program.

The training program features didactic instructions, clinical training, and field experiences. The students will have to complete a 10-hour clinical experience in the acute care emergency department, or the Department approved pre-hospital care areas under the direct supervision of a Field Preceptor. During clinical or field training, the students are made to observe clinical procedures, application of skills, and patients.

The National Education Standard Curriculum based New Jersey EMT Training courses include EMS Systems, Workforce Safety and Wellness, Anatomy and Physiology, Medical / Legal and Ethics, Pathophysiology, Medical Terminology, Pharmacology, Airway Management, Artificial Ventilation, Respirations, Assessment, Trauma, Neonatal care, Paediatric, Geriatric and other medical and non medical subjects.

The students, who successfully complete EMT-Basic training and clinical experience, and pass the skills verification examination administrated by the program coordinator are eligible for the NREMT-Basic Certification Examination because New Jersey only approves and recognizes the NREMT-Basic Examination for EMT-Basic certification in the state.