Appreciate everything your associates do for the business. Nothing else can quite substitute for a few well-chosen, well-timed, sincere words of praise. They're absolutely free and worth a fortune.

Voltaire
Appreciation is a wonderful thing. It makes what is excellent in others belong to us as well.

Albert Schweitzer
At times our own light goes out and is rekindled by a spark from another person. Each of us has cause to think with deep gratitude of those who have lighted the flame within us.

Johann Wolfgang von Goethe
Correction does much, but encouragement does more. Encouragement after censure is as the sun after a shower.

Henry Clay
Courtesies of a small and trivial character are the ones which strike deepest in the gratefully and appreciating heart.

Anonymous
Encouraged people achieve the best; dominated people achieve second best; neglected people achieve the least.

William Arthur
Flatter me, and I may not believe you. Criticize me, and I may not like you. Ignore me, and I may not forgive you. Encourage me, and I may not forget you.

Cicero
Gratitude is not only the greatest of virtues, but the parent of all others.

FEMA has issued the following bulletin, I thought I would pass it along for those of you in need.

Have Flood Insurance? Don't Wait - File Your Claim Today.

If you've registered with the Federal Emergency Management Agency (FEMA) and have not filed a flood insurance claim, don't put it off any longer.

 Receive FEMA Updates During Disasters

PLEASE FORWARD THIS POST BULLETIN TO FRIENDS, FAMILY AND COLLEAGUES WHO MIGHT BENEFIT FROM THE INFORMATION.

Best Regards,

Dawn Marie White

Broker-Sales Manager

Crossroads Realty Inc

www.njwaterfront.com

NEPTUNE, NJ. -- New Jersey residents and businesses affected by Hurricane Irene may submit their U.S. Small Business Administration (SBA) disaster loan applications online through the secure website at disasterloan.sba.gov/ela. SBA's electronic loan application is simple, fast and available when you're ready to apply for SBA assistance.

Link to Submit your application

Hope this link helps all residents and business owners who were affected.

Dawn Marie White

Broker-Sales Manager

Crossroads Realty Inc

www.njwaterfront.com

New Jersey is the fifth-smoggiest state in the nation, according to a report that was released today by the nonprofit

organization Environment New Jersey. The report was compiled using federal Environmental Protection Agency air readings and ranked 5th in the nation by analyzing the number of days with elevated smog levels compared to the rest of the country.

New Jersey, had 35 more smoggy days in 2010 than Ohio and New York. It was tied with Pennsylvania.

The Garden State also encompasses four of the 20 areas with the most smog days. They include Camden and the greater Philadelphia area (ranked 8th), Monmouth-Ocean (15th), Middlesex-Somerset-Hunterdon (17th) and Trenton (20th). Parts of Southern California took the top five spots.

Environmentalists who gathered in the Ocean County Park in Lakewood today pointed to the statistics as proof the tougher air quality regulations should be put into place as soon as possible.

"The problem is even worse than the public thought," said Megan Fitzpatrick of Environment New Jersey.

"People think of Newark and Camden when they think of smog, but it’s also in the suburbs," said Jeff Tittel, executive director of the New Jersey Sierra Club. "Here in New Jersey, we have some of the worst air pollution in the country."

The health effects on asthma and heart attacks are well-documented in medical publications.

Article Source    

http://www.nj.com/news/index.ssf/2011/09/nj_is_the_5th_smoggiest_state.html

Dawn Marie White

Broker-Sales Manager

Crossroads Realty Inc

www.njwaterfront.com

HUD SECRETARY ANNOUNCES DISASTER ASSISTANCE
FOR NEW JERSEY STORM VICTIMS
Foreclosure protection offered to displaced families in three counties

WASHINGTON – U.S. Housing and Urban Development Secretary Shaun Donovan today announced HUD will speed federal disaster assistance to the State of New Jersey and provide support to homeowners and low-income renters forced from their homes following severe storms and flooding last month.

Yesterday, President Obama issued a disaster declaration for Cumberland, Gloucester, and Salem Counties. The President’s declaration allows HUD to offer foreclosure relief and other assistance to certain families living in these counties.

“Families who may have been forced from their homes need to know that help is available to begin the rebuilding process,” said Donovan. “Whether it’s foreclosure relief for FHA-insured families or helping these counties to recover, HUD stands ready to help in any way we can.”

HUD is:

• Offering the State of New Jersey and other entitlement communities the ability to re-allocate existing federal resources toward disaster relief – HUD's Community Development Block Grant (CDBG) and HOME programs give the State and communities the flexibility to redirect millions of dollars to address critical needs, including housing and services for disaster victims. HUD is currently contacting State and local officials to explore streamlining the Department's CDBG and HOME programs in order to expedite the repair and replacement of damaged housing;
• Granting immediate foreclosure relief – HUD granted a 90-day moratorium on foreclosures and forbearance on foreclosures of Federal Housing Administration (FHA)-insured home mortgages;
• Making mortgage insurance available – HUD's Section 203(h) program provides FHA insurance to disaster victims who have lost their homes and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs;
• Making insurance available for both mortgages and home rehabilitation – HUD's Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home; and
• Offering Section 108 loan guarantee assistance – HUD will offer state and local governments federally guaranteed loans for housing rehabilitation, economic development and repair of public infrastructure.

Information on housing providers and HUD programs -The Department will share information with FEMA and the State on housing providers that may have available units in the impacted counties. This includes Public Housing Agencies and Multi-Family owners. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers.

If you’re about to get married or your a newlywed, you can get help from a little-known bridal registry program created by FHA. It is difficult in today's day and age to save enough money to make the required down payment for a mortgage. Most couples think they may be able to turn wedding gifts into cash so that they can start off their lives together as homeowners. However FHA requires that you provide proof of money deposited into a regular bank account. So with numerous gifts and cash it may be quite time-consuming to get a gift letter from all your wedding attendees.

This FHA streamlined program provides couples and  opportunity to create a new bank account named "Bridal Registry Account". The wedding attendees, family members and friends will be provided with the details of this bank account and all the funds deposited in this bank account will qualify for gift funds and can be used to purchase your new home. There is no further documentation necessary. Providing proof that the The 3.5% down payment is from your own funds in combination with a Bridal Registry Account (Gift)  will make it much easier for a new couple to buy a home.

There is no penalty if you decide later on that you do not want to use this money to purchase a home. You may simply withdraw the money and use it for what you wish.

  Good Luck To All The Newlyweds out there. Happy Home Buying.

  If your looking to buy a home in Ocean or Monmouth County New Jersey,

  Give me a call, I can help.

  Dawn Marie White, Broker Sales Manager, Crossroads Realty Inc

  1-800-677-4033 Office 732-581-9414 Cell Dawnmariewhite@gmail.com

  www.njdistinctivehomes.com

  www.njwaterfront.com

The statements below were sent to me by e-mail. I thought I would post them to my blog. Some of us wonder what has happened to America, others just go about their daily lives like none of this matters. We all need to  pay attention to what our politicians are doing and why we are in the situation we are in today. They are exempt from laws, from loans, from needing or wanting anything for the rest of their lives. PAY ATTENTION people. 
 
No one has been able to explain to me why young men and women serve in the U.S. Military for 20 years, risking their lives protecting freedom, and only get 50% of their pay. While Politicians hold their political positions in the safe confines of the capital, protected by these same men and women, and receive full pay retirement after serving one term. It just does not make any sense. 

 
Monday on Fox news they learned that the staffers of Congress family members are exempt from having to pay back student loans. This will get national attention if other news networks will broadcast it. When you add this to the below, just where will all of it stop?

35 States file lawsuit against the Federal Government
 
Governors of 35 states have filed suit against the Federal Government for imposing unlawful burdens upon them. It only takes 38 (of the 50) States to convene a Constitutional Convention.
 
This will take less than thirty seconds to read. If you agree, please pass it on.
 
This is an idea that we should address.
 
For too long we have been too complacent about the workings of Congress. Many citizens had no idea that members of Congress could retire with the same pay after only one term, that they specifically exempted themselves from many of the laws they have passed (such as being exempt from any fear of prosecution for sexual harassment) while ordinary citizens must live under those laws. The latest is to exempt themselves from the Healthcare Reform... in all of its forms. Somehow, that doesn't seem logical. We do not have an elite that is above the law. I truly don't care if they are Democrat, Republican, Independent or whatever. The self-serving must stop.
 
If each person that receives this will forward it on to 20 people, in three days, most people in The United States of America will have the message.. This is one proposal that really should be passed around.
 
Proposed 28th Amendment to the United States Constitution: "Congress shall make no law that applies to the citizens of the United States that does not apply equally to the Senators and/or Representatives; and, Congress shall make no law that applies to the Senators and/or Representatives that does not apply equally to the citizens of the United States .."

CONTACT
Dale Kemery (News Media Only)
kemery.dale@epa.gov
202-564-7839
202-564-4355

FOR IMMEDIATE RELEASE
July 26, 2011

EPA Considering New Toxicity Testing and Environmental Sampling for BPA

WASHINGTON– Following a BPA Action Plan announced in March 2010, the U.S. Environmental Protection Agency (EPA) is requesting public comment on possible toxicity testing and environmental sampling to study BPA’s potential environmental impacts. BPA has been shown to cause reproductive and developmental effects in animal studies. This action is part of Administrator Lisa P. Jackson’s comprehensive effort to strengthen EPA’s chemical management program and assure the safety of chemicals that Americans encounter in their daily lives.

BPA is used in the manufacture of a wide range of consumer and industrial products including food-can liners, hard polycarbonate plastics, epoxy paints and coatings, and thermal papers, including some cash register receipts. Releases of BPA to the environment exceed 1 million pounds per year.

“A number of concerns have been raised about the potential human health and environmental effects of BPA,” said Steve Owens, assistant administrator for EPA’s Office of Chemical Safety and Pollution Prevention. “The data collected under the testing EPA is considering would help EPA better understand and address the potential environmental impacts of BPA.”

In January 2010 the U.S. Food and Drug Administration announced it would further examine potential human health effects and reduce exposure to BPA in the food supply, which represents the greatest source of exposure to people. EPA is working with FDA, Centers for Disease Control, and the National Institute of Environmental Health Sciences on research under way to better determine and evaluate the potential health consequences of BPA exposures. At the conclusion of that research, EPA will determine if additional actions may be needed to address human health concerns from non-food use exposures.

EPA issued an action plan on BPA in March 2010 outlining possible steps the agency might take to address risks presented by BPA, including the testing discussed in today’s announcement. EPA’s BPA action plan is available at http://www.epa.gov/oppt/existingchemicals/pubs/actionplans/bpa.html.

Comments on the Advance Notice of Proposed Rulemaking (ANPR) must be received on or before September 26, 2011. The ANPR and supporting information can be found in docket number EPA-HQ-OPPT-2010-0812 on the Federal eRulemaking Portal, http://www.regulations.gov.

Note: If a link above doesn't work, please copy and paste the URL into a browser.

View all news releases related to pesticides and toxic chemicals

July 1, 2nd & 3rd

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Red Bank

Kaboomfest and fireworks
Launched from two barge locations, Fireworks scheduled for July 3rd.shoots over 10,000 shells, all choreographed to an eclectic mix of popular and patriotic songs. Navesink River, Red Bank (732) 842-7337

July 1, 2011

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Atlantic Highlands

Independence week celebration and fireworks July 1 at 9:30 pm Atlantic Highlands Municipal Harbor Simon Lake Drive, Atlantic Highlands (732) 291-2002

July 2nd 2011

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Spring Lake

A Fourth of July Celebration and Art Walk sponsored by the Spring Lake Chamber of Commerce.
Spring Lake, NJ (732) 449-0577

Ocean Township

Community picnic and fireworks presented by Community Celebrations Comm. RJoe Palaia Park, Deal Road Rain Date: July 3rd  732-531-5000

Manasquan

Presented by the Tourism Commission on Main Beach at dusk Rain Date: July 3rd 732-528-9211

Jully 3rd 2011

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Keanburg

At the Fishing Pier Boardwalk Ave. Sponsored by Keansburg Amusements 732-495-1400

Wall Township

Part of Wall Day festivities Wall Twp. Municipal Complex, 2700 Allaire Road Rain date: July 9

Union Beach

On the Beachfront  Rain Date: July 5 732-264-2277

Freehold

Concert and Fireworksat Freehold Raceway3190 Route 9Sponsored by Downtown Freehold Rain Date: July 4th 732-333-0094

Bradley Beach

Fireworks presentation to celebrate Independence Day. Bradley Beach Boardwalk, Bradley Beach (732) 776-2999

July 4th 2011

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Asbury Park

Fireworks and parade to celebrate Independence Day. Boardwalk, Asbury Park (732) 502-5749

Long Branch

OceanFest Vendors, bands, exhibits, food, and fireworks are all part of this annual rain or shine celebration. Oceanfront Promenade, Long Branch (732) 923-2044

West Long Branch

Live music at 7 pm Fireworks at dusk Rain Date: July 9th  732-229-1756

Sea Bright

Anchorage BeachConcert by Tim McLoone at 7:30 pm Rain Date: July 5th 732-842-0099

July 8th 2011

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Belmar

Friday Night Concert "The Golden Oldies Dance Party"Fireworks in Belmar 7Pm 9th and Main Street

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Have a Safe and Happy 4th Of July

Dawn Marie White Broker-Sales Manager Crossroads Realty Inc

1-800-677-4033 Office 732-581-9414 Cell

www.njwaterfront.com

dawnmariewhite@gmail.com

We Sell More Homes In Our Maket Place Than Any Other Realtor