Philadelphia Area Performance Arts and Entertainment - 08/31/06 11:56 PM
A part of the greater Philadelphia area, we have access to a wide variety of world class artists, entertainment and performance venues, such as the Philadelphia Orchestra and the Kimmel Center For The Performing Arts.Here are some, but not all of the theaters and associated organizations that are easily accessible from South Jersey and the Delaware Valley for an afternoon or evening out to enjoy a great performance:Annenberg Center,Philadelphia Orchestra,Philly Pops, Chamber Orchestra of Philadelphia, Philadelphia Chamber Music Society, Choral Arts Society of Philadelphia,Forrest Theatre,Group Motion Dance Company,Kimmel Center for the Performing Arts,Mann Center for the Performing Arts,Tweeter Center at the WaterfrontThe … (0 comments)

Reverse Mortgages - Convert Home Equity into Cash - 08/31/06 11:00 PM
Here are several resources I've compiled for you that define and discuss Reverse Mortgages from various aspects to help you if you are considering such a method to convert your home equity into available dollars... PrimerMaybe you've watched the value of your home skyrocket but wonder how it really benefits you, especially if you're feeling house-rich and cash-poor. Many seniors find maintaining a home daunting, especially while they're trying to enjoy a quality retirement, meet daily living and medical expenses, and fund hobbies. Some are overcoming such financial hurdles by taking out reverse mortgages. Such loans allow you to convert your home … (1 comments)

BreakTime: Online Jokes, Riddles and Brain Teasers - 08/31/06 08:52 PM
I thought my Boss was a jerk, so I quit to work for myself.My new Boss is a jerk, too ... but at least I respect him.Quote from a recent meeting: "We are going to continue having these meetings, everyday, until I find out why no work is getting done".Some people say that I'm superficial, but that's just on the surface.Ambivalence may or may not be my problem.Here are some more jokes, witticisms, brain teasers and riddles:http://home.planet.nl/~blade068/languagefun/test.htm
InHis.com is one of the few sites that has good, clean humor that I can enjoy without being subjected to off-color and strongly in-appropriate jokes. The … (0 comments)

Metropolitan Opera, History and Database - 08/31/06 08:14 PM
For you music lovers, and especially you opera buffs, the Met is within driving distance from New Jersey, and depending on where in New Jersey you are located, it's even easier to take the train. For those who can't make it there in person, here's another way to enjoy it...
The Metropolitan Opera (the Met), of New York city, has an official web site that is worth a visit, whether you are an aficianodo or know nothing about this form of music. Make sure you check out their MetOpera database (to access from home page, click on "Met History", then MetOpera Database) which contains … (3 comments)

Disasters and Hazards: Are You Ready? - 08/31/06 09:55 AM
All of us are exposed in one way or another to the potential of hazards and disasters, whether it be natural or man-made. Your government, has developed extensive and comprehensive resources to help individuals, families, businesses and communities prepare themselves and their properties against disasters, and be able to properly recover when they do occur. Those resources are easily available online and include free downloadable manuals, guides, checklists and even videos. Here are two sites about which anyone with concerns and responsibility for preparedness and safety should be familiar: Are Your Ready? - An In-depth Guide to Citizen Preparedness, is FEMA's comprehensive source on individual, family, … (0 comments)

New Jersey Information and History Sites - 08/30/06 05:46 PM
Here are resources for access to New Jersey information and history...
NJ: American Local History Network PageNew Jersey History & You / Treasure Hunt (Shamong Township School District)NJ Information NJ Mirror Newspaper Online IndexNJ Pine Barrens EcologyState Reports (Classbrain.com)Morris Co. Library NJ History SourcesIntroduction to New Jersey Electronic NJ: A Digital Archive of NewJersey History http://www.njchurchscape.com - New Jersey Churchscape - Early Chuch Architecture in NJ - HistoricalNew Jersey Churchscape is an online database and photographic inventory on more than half the 18th & 19th century churches in the state and is added to each month.It is an authoritative source on early churches … (0 comments)

Battlefields, Forts and National Parks - New Jersey Area - 08/30/06 05:16 PM
New Jersey and the surrounding area has a wide variety of things to do and see, especially if you like history, parks and battlefields.  Most of these are easily accessible by car and make great day or weekend trips. Here are suggestions for day or weekend excursions to historical battlefields, forts and parks in and around New Jersey and the east coast:NJ - Crossroads of the American RevolutionNJ National Parks [National Park Guide]NJ State Historic SitesEast Coast: Forts, Battlefields, Ships and LighthousesHistoric Battlefields - Philadelphia AreaMilitary.com - Museum & Memorial GuideRevolutionairy War Battle SitesThree Forts Ferry  Visit my web site for additional resources and … (0 comments)

Financial Resources for Homebuyers and Homeowners of Houses Needing Repair - 08/30/06 04:57 PM
HomeBuyerFunds.com is a free online funds database designed for people looking to buy a home (especially for the first time) or currently own a house in need of repair. This Web site serves as a one-stop clearinghouse of financial resources for both homebuyers and homeowners. Their members include non-profit housing organizations, financial institutions, and government agencies -- committed to partnership in an effort to help more individuals and families on their path to homeownership.They offer an online homebuyer education course, have a basic "housing to income ratio" calculator, provide how-to-do home improvement repair tips and provide downloadable buyer worksheets. Their Funds Finder … (0 comments)

Pre-Qualifying vs. Pre-Approval - 08/30/06 04:37 PM
According to generally accepted industry definitions, a pre-qualification letter simply indicates a cursory review of your financial situation while a pre-approval letter shows that the lender has made a thorough enough analysis of your income, assets and credit and can conditionally approve you for a specified loan amount. The pre-qualification process is quicker than the pre-approval process and is often the first step in getting a pre-approval, as it can be issued while information and documentation is being submitted and verified for the pre-approval. In actual use, the definitions of each term are somewhat flexible -- the meaning of "pre-approval" and "pre-qualification" varies from place to … (1 comments)

Pay Off Your Mortgage In Advance and Save Money - 08/29/06 08:52 PM
Here's How To Pay Off Your Mortgage Loan In One Half Time or Less And Save Thousands of Dollars The process is extremely easy, and yet a revelation to most home buyers, particularly when they realize that they may be able to save more interest than 75% of the total loan amount. Simply, it is merely adding the next month's principal payment to this month's regular payment, which in effect does two things to your mortgage loan: #1 - Reduces the term by one month each time you add an extra principal payment, and #2 - Ultimately saves an amount equal … (2 comments)

Homeownership Preservation Foundation - 08/29/06 08:15 PM
Here's a resource if you, or someone you know, is struggling with their their finances and are at risk of loosing their home.  The Homeownership Preservation Foundation (HPF) creates partnerships with local governments, nonprofit organizations, borrowers and lenders to help families overcome obstacles that could result in the loss of their homes.They use programs like the highly successful 1-888-995-HOPE national homeowner assistance line to help individuals and families who are struggling financially. To date, more than 45,000 homeowners have received advice, assistance and support to help them stay in their homes. Homeowners can learn more about their programs, including online counseling, … (0 comments)

PMI - Knowing The Rules Can Save You Thousands of Dollars - 08/29/06 07:57 PM
PMI (Private Mortgage Insurance) has been around since the 1950s. It is usually required by many mortgage lenders to minamize the risk of a default by the borrower when a conventional loan exceeds 80 percent of a home's market value, It is designed to partially compensate the lender for losses suffered if a borrower defaults on a loan. If you are currently paying for PMI as part of your mortgage payment, 1990 and later rules changes may allow you to save thousands of dollars! It's important to understand and know the rules. Click here for details.The Federal Reserve Bank of San Francisco has a … (0 comments)

40-year Mortgage Loans: Who Can Best Benefit? - 08/29/06 12:16 AM
Borrowers who face affordability issues and think homeownership is beyond their reach, first-time homebuyers, or those living in high-cost areas seeking manageable monthly payments may find 40-year Mortgages attractive. The 40-year Mortgage is eligible on both standard fixed-rate products as well as our standard 3/1, 5/1, 7/1 and 10/1 hybrid ARMs.  Keep in mind that over the length of the loan, you will be paying a signicantly higher amount of total interest than for 30-year or shorter mortages.This is best for those that are looking at a long-term investment. Just be aware that many 40-year mortgages have a balloon payment due after … (3 comments)

Servicemembers Civil Relief Act - Q&A - 08/29/06 12:03 AM
Questions & Answers for Reservists, Guardsmen and Other Military PersonnelHere is a link to HUD's questions and answers for reservists, guardsmen and other military personnel regarding mortgage payment relief and protection from foreclosure provided by the Servicemembers Civil Relief Act (SCRA, formerly known as The Soldiers' and Sailors' Civil Relief Act of 1940):http://www.hud.gov/offices/hsg/sfh/nsc/qasscra1.cfmThe Q&A covers: Who Is Eligible?Am I Entitled To Debt Payment Relief?Is The Interest Rate Limitation Automatic?Am I Eligible Even if I Can Afford To Pay My Mortgage At A Higher Interest Rate?What If I Can't Afford to Pay My Mortgage Even At the Lower Rate? Am I Protected … (0 comments)

Moving Yourself: The POD Moving Container - 08/27/06 07:59 PM
POD (Portable On Demand) moving containers are trailor sized crates that are dropped off at your property and left there for you to load up your personal property. Once loading is completed and you are ready to move, the POD will be picked up (or temporarily placed in storage until you are ready), then delivered to your new property for unloading. The containers' doors are set level to the ground so you don't have to climb up or down to load. They come in lengths of 12' or 16', the larger holds approximately 1600 square feet of property items. If you … (0 comments)

Moving Expenses May Be Tax Deductible - 08/27/06 06:48 PM
If you moved because of a change in your job location or because you started a new job, you may be able to deduct your moving expenses if your move is closely related to the start of work. To qualify for the moving expense deduction, you must meet both the distance and the time tests, unless you are a member of the armed forces and your move was due to a permanent change of station.Your move will meet the distance test if your new main job location is at least 50 miles farther from your former home than your old main … (1 comments)

How Vulnerable Are Your Personal and Business Computers? - 08/27/06 10:56 AM
You may be more vulnerable than you think.At home or at your business, we rely heavily on computers for communications, news, information, applications and just for enjoyment.  For such a critical item in our lives, we need to make sure that our computers and their networks are as secure as possible, at all times.  Here are some basic areas for you to consider, along with some corresponding technology solution providers to save you time, that we are providing as part of our full service commitment to you. If you are in the process of buying or selling property and/or moving to new locations, that is an especially good … (2 comments)

Fear of Flying - Free Online Help - 08/27/06 08:57 AM
I know several people, including a member of my family, who have a fear of flying.  The family member's fear existed before all the current secrutiy concerns about terrorist hijacking of planes.   Most of these people will be forced in the future to consider travel by plane for vacations, emergency family situations, to attend conventions or to conduct business.Lacey Chance's web site, Fear of Flying Help, provides free online resources, including courses, for all those people who suffer from aviophobia -- a fear of flying on a plane.  This is also useful if you have kids that are facing the prospect of flying for the first time, such as during their first … (0 comments)

Kids Survival Guide To Moving Video - 08/27/06 08:44 AM
RE/MAX International, the parent company for all your local RE/MAX offices, developed a video to help kids who are facing a move to a new area."This award-winning RE/MAX Satellite Network production features kids telling kids what to expect in a relocation. A move is almost always stressful for children. But information, especially concerning important issues like friends, belonging to new schools, can make transition much easier - especially if the reassuring words come from peers."This program is a winner of the Parents' Choice award and is approved by the American Library Association.You can view several clips from the program below and even … (1 comments)

Access New Jersey and American Historical Documents Online - 08/26/06 03:54 PM
The New Jersey State Libray's web site has many resources, including online versions of important New Jersey and American documents.Click here to view the NJ Library's historical documents.    National Archives: Of all documents and materials created in the course of business conducted by the United States Federal government, only 1%-3% are so important for legal or historical reasons that they are kept in the National Archives forever. Those valuable records are preserved and are available to you, whether you want to see if they contain clues about your family's history, need to prove a veteran's military service, or are researching an … (0 comments)

Fun Things To Do In and Around New Jersey - 08/26/06 03:18 PM
Here are some sites to help you find fun things to do in and around the New Jersey area.   Our region has a lot of options to offer you...
FunNewJersey.com provides links to many new and different things to do in New Jersey. From romantic weekend getaways to the many exciting things to do with kids in New Jersey.   NJ Tourism site provides a monthly list of upcoming event highlights and what's happening around the Garden State.Click here for this month's schedule of events. RoadsideAmerica.com has a list of offbeat tourist attractions in New Jersey:http://www.roadsideamerica.com/map/nj.html Here are online resources for finding the location of the … (0 comments)

Get My Blog On Your Smartphone or PDA (Palm and Pocket PC) - 08/26/06 01:51 AM
Now you can get automatic updates to this blog on your Smartphone or PDA ( Palm or Pocket PC) though Avantgo.com If you have never used AvantGo, then first click here for my prior article on how to get started with AvantGo. After you are registered, then all you need to do is "sign in" and click on "AvantGo for RSS" in the "AvantGo Features" box (shown at right). Click on "Creat An RSS Channel Now!", and where it asks you to input the Location of your Channel URL, enter the following link: http://activerain.com/blogs/timon1/rssNext, click "Continue", enter "Lawrence Yerkes' Blog" for Channel Title, … (1 comments)

Get News, Sports, Blog Feeds and More On Your PDA or Smartphone for Free - 08/26/06 01:32 AM
With AvantGo, you can get feeds from thousands of specially formatted brand-name web sites ("channels") on your PDA (Palm or Pocket PC) or Smartphone: news, weather, sports, stock quotes, maps, movie listings, and more. All for FREE! Plus, it's easy to sign up and download the software. Even create your own personal channels to download family sites, local news, niche sites, church and club sites, workout schedules, blog feeds, etc... so you're always in touch, even on the go. It's a great way for me to keep up-to-date with the latest news, financial information, industry markets and trends, and the latest blog feeds … (1 comments)

1031 Exchange Resources - 08/24/06 06:39 AM
1031 Exchanges are a tremendous investment tool to help preserve your wealth and increase your assests. They are a way to defer your taxes that is accepted by the IRS. An experienced Realtor is essential for insuring a successful 1031 transaction. Here are some resources I've provided to help you maximize the benefits and minimize the risks involved with 1031 Exchanges...Primer on 1031 ExchangesBy plowing the proceeds of a property sale into a another property, you can defer taxes. Here's how...Small Business ReviewWikipedia - 1031 ExchangeLawrenceYerkes.com   [1031 Exchange Resources]Popularity of 1031 Exchanges SurgesInvestors who want to cash in their chips on … (6 comments)

1031 Exchange Expense Inclusions - 08/23/06 10:44 PM
Here are expenses that are often encountered at closing, and included on the "HUD-1" Settlement Statement, which generally are considered by experts to be included as part of the 1031 Exchange calculation:RELINQUISHED PROPERTYEscrow for RepairsCommissionLoan FeesTitle ChargesRecording FeesAdditional ChargesTermiteCourier FeesExchange FeesREPLACEMENT PROPERTYTitle ChargesTitle InsuranceRecording FeesAdditional ChargesExchange FeesTermiteCourier FeesSurveyEXCLUSIONS: Expenses relating to debt relief, taxes, insurance, prepaids, interested, association fees, etc., while a part of the settlement transaction, are generally NOT included in the 1031 Exchange calculation.As with all information of this type, you need to consult competent 1031 Exchange tax professionals for specific guidance relating to your particular needs. Visit my web … (2 comments)

Most Common Defects Found During Home Inspection - 08/23/06 10:33 PM
Here are some of the most common defects found during home inspections conducted by trained and licensed inspectors -- which are often missed by buyer during their visits to property prior to home inspection.  They are compiled from several sources and confirmed by personal experience.  Each property has it's own unique set of defects and rarily does a property have no defects.  These are conditions that should not occur if proper maintenance and due deligence is carried out by the home owner prior to putting property up for sale...
* The house has poor drainage and/or basement/crawlspace water penetration.* The house has faulty wiring … (0 comments)

Leadership According to Rudolf Giuliani - 08/23/06 10:24 PM
I recently heard a speech by Rudolf (Rudy) Giuliani who was a featured speaker at a non-partisan convention given by a company in which my wife is associated. His topic was "Leadership" and is based on his book, also entitled, Leadership.If you ever get a chance to hear him in person, regardless of your political affiliation, you will enjoy it as he is an engaging and motivating speaker. The information he shared is applicable to anyone in any field of endeaver who wants to motive and lead others.According to Giuliani, he had already written his draft for the book prior to … (1 comments)

Consumers Across the Country Eligible for Free Annual Credit Reports - 08/22/06 09:55 PM
All consumers are eligible to obtain a free annual credit report at AnnualCreditReport.com, which is a centralized service for consumers to request annual credit reports and the only official website for the service.  It was created by the three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.  AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports).The free reports were mandated by Congress in The Fair and Accurate Credit Transactions Act of 2003 (FACTA), which requires the nationwide credit bureaus to provide consumers with a free copy of their credit report, at their request, once every 12 months. Consumers who want … (0 comments)

Internet Rumors - An Example - 08/22/06 09:15 PM
In a prior blog article I provided resources ("Rumor Control - Hoaxes Debunked") for finding out if information you come across that is being circulated via the Internet is fact or fiction.  As an example, I just received an email from a close relative who was sharing a health-related alert (see below for original text of message, which I've included for your convenience). It's not necessarily something that at first viewing triggered a warning in my mind as it seemed reasonable, after all it was from Johns Hopkins, and I quickly forwarded it on to my immediate family.  Then I realized that I had … (1 comments)

Technology Reclamation and Equipment Issues - 08/22/06 08:41 PM
PC World has a resource artcle entitled, "Green PC: How to dispose of unwanted tech equipment without hassles, and where to find great new environmentally friendly gear". Getting rid of old technology equipment is not as easy as you may think due to hazardous materials found in some of the equipment and current environmental laws at the local, state and federal level. This article helps you to properly and legally dispose of old equipment, provide practical suggestions for energy conservation, cutting energy costs and finding new environmentally friendly equipment.  It provides introduction and links to Earth 911's online recyling tools to … (0 comments)

Proper Cleanup After Storms Can Minimize Water Damage - 08/21/06 03:16 PM
If recent rain has caused leaks or flooding around a home or business, according to the Institute for Business & Home Safety (IBHS), then proper cleanup will help minimize the potential damage water can cause. Their online resource page includes concise steps for what to do as soon as it's safe to enter damaged areas and what to do after it's safe to being cleanup.  By taking immediate action, damage can be limited and the chance of salvaging materials can be increased. Levels of rust, rot, mold and mildew that may develop can be reduced, along with reducing the likelihood that the water will lead … (0 comments)

The Process of Buying A Home - 08/21/06 12:02 AM
Buying a home can be a positive and minimal stress event -- provided you use the right real estate professional and you understand the process of buying a home. There are several steps or phases that we have identified in the real estate home buying transaction process.  All real estate home purchases involve these steps, often varying in the details, but you can not have a successful home purchase without properly executing these steps. 
1. Analyze and determine your needs -- both short term and long term.
Identify and validate reasons for purchasing: transferring, upgrading, downsizing, fulfill a life dream, financial... 
Determine desired time … (0 comments)

The Process of Selling A Home - 08/20/06 11:59 PM
Selling your home can be a positive and rewarding event  (not just in terms of getting a good return on your investment equity, but also in the relationships and new experiences you will encounter, and with possible new skills you may acquire) -- provided you use the right real estate professional and you understand the process of selling a property.
There are 10 major steps or phases that we have identified in the real estate property sales transaction.  All real estate property sales involve these steps, often varying in the details, but you can not have a successful property sale without properly … (0 comments)

Emergencies and Natural Disasters - Preparedness Resources - 08/20/06 11:57 PM
Here are a few resources to help protect your property, home and busines against emergencies and natural disasters... The National Association of REALTORS® (NAR) collaborated with the U.S. Department of Homeland Security and the Homeownership Alliance to develop an Emergency Preparedness Guide for homeowners. The Guide, intended as a resource for homeowners, provides practical measures such as effective communication plans, identifies emergency supplies, and other resources that can prepare families and their homes for different types of emergencies.
Click here for the Emergency Preparedness Guide
For those of us you have friends, relatives, second homes in or are contemplating visitng or moving to high risk … (0 comments)

Take A Break: Crossword Puzzles - 08/15/06 09:11 AM
Hewlett Packard has a page on their web site that provides a free daily "Commuter Crossword Puzzle" that can be downloaded (in PDF format) and printed on 8.5x11 paper. Each new puzzle comes with the previous day's puzzle solution.This page also has links to other projects that can be printed (using HP printers and supplies, of course!) such as greeting and business cards, labels, calendars, invitations, stickers and more.  The site has a general fun section that provides free online toys, stickers, magnets and puzzles for kids of all ages which can be played, downloaded and printed. Click here for HP's Toys, Stickers … (0 comments)

Real Estate Glossary Definitions - 08/15/06 08:46 AM
When dealing with real estate, especially if you are involved in a real estate transaction, you will be encountering advertisements, sales contracts, mortgage offers and contracts, as well as other real estate communications and legal documents.  You will most likely encounter terminology that you do not use everyday or has specific (and legal) meaning within the industry that may vary from common usage.   It is important that you understand the words, terms and abbreviations in the context used.    It will allow you to be in a more confident and stronger position in negotiations as well as enable you to be better informed and have fuller understanding for critical … (0 comments)

Feng Shui For Your Home or Business - 08/15/06 07:56 AM
What is Feng Shui?Feng Shui (pronounced, "Fung Schway"), the Chinese art of placement to create harmony, originated thousands of years ago in China. It focuses on how the environment is experienced by the people who live in it.Feng-Shui practitioners believe that where you live and how you allocate and arrange the elements of your home or workplace can significantly affect the harmony of your health, wealth, relationships and happiness.Use Feng Shui to Sell Your HomeAs Feng Shui is the ancient philosophy of harmonious placement and balance within a space, and its purpose is to bring balance, blessings, abundance, and tranquility into … (0 comments)

Real Estate Broker vs. Broker-Salesperson vs. Salesperson - 08/14/06 04:28 PM
The terminology used to identify real estate professionals differs a little from state to state. Brokers are usually required to have more education and experience than Salespersons, commonly called real estate agents. The real estate person you normally deal with is a real estate Salesperson. The real estate Salesperson is licensed by the state, but must work for a state licensed real estate Broker. All listings are placed in the Broker's name, not the real estate agent's.A Salesperson license allows you to perform all the functions of a real estate professional while working under the sponsorship and direction of a Broker.The Broker … (0 comments)

Emergency Action For Poisoning - 08/14/06 02:14 PM
The American Association of Poison Control Centers (AAPCC) provides quick online access for locating your nearest Poison Control Center, Poisoning Fact Sheets (PDF format), Prevention Tips, a general Poisoning Prevention Brochure (printable from online) and additional educational resources.Click to locate your nearest Poison Control CenterSee prior blog articles for New Jersey specific information:New Jersey Poison Information and Education System New Jersey Poison Center Hotline: 1-800-222-1222  Visit my web site for additional resources and services: http://www.LawrenceYerkes.comand visit BestHomes-NJ.com for the latest New Jersey Real Estate property listings (residential, commercial, multi-family, farm, land) Copyright 2006 by Timon, Inc. All Rights Reserved. … (1 comments)

New Jersey Poison Information and Education System - 08/14/06 01:46 PM
Below is the contact information for New Jersey's Poison Information and Education System.NEW JERSEY POISON INFORMATION AND EDUCATION SYSTEMlocated at the University of Medicine and Dentistry of New Jersey65 Bergen StreetNewark NJ 07107-3001Emergency Phone: 1-800-222-1222TTY/TDD: (973) 926-8008Administrative Phone: (973) 972-9280FAX: (973) 643-2679E-mail: Info@njpies.orgWebsite: http://www.njpies.org
Site includes Fun and Facts sections as well as information aimed just for kids.   Visit my web site for additional resources and services: http://www.LawrenceYerkes.comand visit BestHomes-NJ.com for the latest New Jersey Real Estate property listings (residential, commercial, multi-family, farm, land) Copyright 2006 by Timon, Inc. All Rights Reserved.
… (0 comments)

Wind and Flood Damage - Prevention and Rebuilding - 08/13/06 02:27 PM
Mitigation includes steps taken to reduce the damage caused by hurricane winds and flooding through improvements to residential and non-residential buildings and their utility systems. Activities include: Assessing building performance after significant hurricanes and coastal storms, Developing designs for hazard resistant construction in new buildings, Retrofitting techniques for existing buildings, Recommending improvements in state and local regulatory programs, and Providing financial protection with flood insurance Click here for more details from FEMA, including resources for protecting your property from disasters, flooding and wind, mitigation and NFIP update, flood insurance, fact sheets on various related issues and more.
 Visit my web site for … (0 comments)

Disaster Planning and Property Protection Resources For Keeping Your Business Open - 08/13/06 02:20 PM
"At least one-fourth of all businesses that close because of a disaster never reopen. Small businesses are especially vulnerable, because few of them have the resources or knowledge to assess disaster risks and develop comprehensive mitigation and recovery plans. That's why the Institute for Business & Home Safety (IBHS) offers a variety of tools in its Open for Business (sm) series for small business owners to both reduce their potential for loss should disaster strike and to reopen quickly should they be forced to close."Click here for the Open For Business Resource Page
The Open for Business toolkit includes an assessment tool that … (0 comments)

Horse Farms and Equestrian Opportunities In New Jersey - 08/12/06 12:28 PM
In New Jersey, especially South Jersey, you will find horse enthusiats and a relatively large number of horse farms of all sizes. The equestrians and their horses are well supported by local tack and supply shops, trainers, instructors, farriers and veteranarians. There are shows and competitions for everyone, whether your interests are dressage, eventing or even professional rodeo. It's all here or close-by.Horse related resources:Equerry.com - see their First-Time-Horse-Owner section. (And while there take a break and check out their Humor and Fun Barns)Cowtown Rodeo - Professional Rodeo in South JerseyJersey Equine - NJ Dept. of Agriculture official siteNew Jersey PHA … (2 comments)

South Jersey Arts, History and Culture - 08/11/06 10:27 PM
Composed of eight culturally diverse counties - Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean and Salem - Southern New Jersey is home to superb arts centers, museums, symphonies, and theaters.
Find out about theaters, museums, galleries, symphonies, presenting organizations, educational and multicultural organizations, dance companies, cultural and heritage agencies, and artists in Southern New Jersey.Visit the South Jersey Cultural Alliance web site.What is the South Jersey Cultural Alliance? SJCA is a member service organization with more than 125 artists, producers, exhibitors, and presenters in southern New Jersey, including museums, orchestras, chorales, dance companies, theaters, arts educators, artists and heritage organizations.   Visit … (0 comments)

New Security Measures For Traveling by Air - 08/11/06 09:50 AM
For those of us that plan to be traveling by plane, in order to help make travel go as smoothly as possible, you need to be aware of the new security measures that the government has put in place:
IMPORTANT: Airport security measures have recently been made more stringent. We urge you to be prepared for longer lines through security checkpoints. In addition to the usual 1-2 hours in advance of your flight, please consider arriving at the airport for your departure an extra 1-2 hours beforehand, to be sure you are on time for your flight's departure. Airports have been reporting as much … (0 comments)

New Jersey Military - Real Estate Support Services and Resources - 08/11/06 08:54 AM
If you are military, governmental or contract support personnnel moving into or out of the New Jersey area, especially McGuire Air Force Base or Fort Dix in South Jersey, we have established support services that are geared to you and your family's special needs.   We have the experience working successfully with military personnel (whether in-country or transferring in from foreign stations), as well as personal military experience -- so can better understand your situations and requirements.We look forward to serving YOU as you proudly serve US! Click here for our New Jersey Military Support Services web page for more information and resources.  Agents with military clients transferring into … (0 comments)

Moving Resources - 08/10/06 09:32 PM
Anyone buying a new home is probably moving from an old one. But no matter how many times you move, it never hurts to go over the basics of planning. Here's a quick guide that's a good place to start.Click here for a Household Packing Guide.
If moving day is just around the corner, it's time to decide whether to make the move yourself, or hire a professional moving company to do it for you.If you want to save money, the do-it-yourself option may be the best one for you. But first, ask yourself some important questions. Do you have friends who … (0 comments)

Wind Zones In The United States - 08/10/06 09:19 PM
FEMA has a Winds Zone section that maps the Wind Zones in the U.S. in additional to Special Wind and Hurricane-Suseptible regions. There are also links to literature for planning for and prevention for loss due to disasters. Click here for FEMA's Wind ZonesMore resources from FEMA:Effects of high winds (PDF):http://www.fema.gov/pdf/fima/fema431_ch2.pdfTips for making homes wind resistant:http://www.fema.gov/news/newsrelease.fema?id=8935Protect Your Property Home Or Busines for Disaster:http://www.fema.gov/plan/prevent/howto/index.shtmMap Service Centerhttp://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?storeId=10001&catalogId=10001&langId=-1https://hazards.fema.gov/femaportal/wps/portal
  Visit my web site for additional resources and services: http://www.LawrenceYerkes.com and visit http://BestHomes-NJ.com for the latest property listings (residential, commercial, multi-family, farm, land)Copyright 2006 by Timon, Inc. All Rights Reserved.
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Farmer's Almanac - Available Online - 08/10/06 08:34 PM
The Farmer's Almanac has been used, since it was first published in 1792, to predict the weather for growing crops, chart the moon phases, sunrises and sunsets, tides, share homespun wisdom and humor, provide recipes, tips, folklore and more. The printed version comes out every year in September.The online version is available here. (It can provide weather history based on your Zip Code. It's charts, scales and tables include a UV Index, a Frost Chart and even a Cricket Chirp-to-Temperature Conversion Formula)Click here for an interesting discussion on "How We Predict The Weather", which has resulted in an accuracy of approximately … (0 comments)

Rumor Control - Hoaxes Debunked - 08/09/06 05:38 AM
Hoaxes, urban legends, email scams... We've all been tempted or even believed in them or had associates get exited about them and sound the alarm, firing off emails to seemingly everyone in the world. Some hoaxes or scams keep resurfacing over and over again. Before you or someone you know goes too far off the deep end in reaction to them, first do eveyone a favor and take a minute or two to check them out on one of the Internet clearing house sites to see if they are valid:Truth or Fiction - Check out rumors, inspirational stories, virus warnings, humorous … (3 comments)

Readeasily.com - e-Books Online for Partially Sighted or Visually Impaired - 08/09/06 05:34 AM
This is a very valuable site started by Gustavo Vega. A digital library for everyone, particularly for the partially sighted or visually impaired. With varying font color combinations and sizes to choose from, and operating under an interesting law called the Gutenberg convention which allows the free distribution of printed material, there is a nice small collection of books to read in several font sizes and contrasts to assist a large spectrum of visual disabilities. Freeware. (Source: tudogs.com)Every book has been formatted into HTML code, avoiding JavaScript and proprietary formats such as word, pdf and flash; which are widely present in … (0 comments)

Sugar-Sweetened Beverages Linked To Obesity - 08/09/06 05:30 AM
According to an online article on FoxNews.com, "Americans have sipped and slurped their way to fatness by drinking far more soda and other sugary drinks over the last four decades, a new scientific review concludes."Click here for full article.The above news arcticle was based on a review article published in the The American Journal of Clinical Nutrition by Vasanti S Malik, Matthias B Schulze, and Frank B Hu, entitled: Intake of sugar-sweetened beverages and weight gain: a systematic review. [Abstract] [Full Text] [PDF]See also previous articles:Presentation: Sugar-sweetened Beverages and Obesity - Evidence and Opportunities for Action2001 Study Finds Increased Consumption of Sugar-Sweetened … (0 comments)

Lead-Based Paint In The Home - Safety Issues from HUD - 08/08/06 05:51 AM
If your home was built on or before 1978 there is a high probability that lead-based paint was used. HUD has resources and an online section of it's web site devoted to lead safety issues in the home.Click here for HUD's "Healthy Homes and Lead Hazard Control" web page.Click here for HUD's home safety "Community Information and Outreach Materials" page.Here are direct links to HUD lead safety related pamphlets (in PDF format):http://www.hud.gov/offices/lead/outreach/leapame.pdfhttp://www.hud.gov/offices/lead/outreach/leadfre.pdfhttp://www.hud.gov/offices/lead/outreach/remodel.pdfhttp://www.hud.gov/offices/lead/outreach/leadrev.pdf  Visit my web site for additional resources and services: http://www.LawrenceYerkes.comor visit http://BestHomes-NJ.com for the latest New Jersey Real Estate property listings (residential, commercial, multi-family, farm, land) Copyright 2006 by Timon, … (0 comments)

New Jersey Poison Center Hotline: 1-800-222-1222 - 08/08/06 05:46 AM
The New Jersey Poison Information and Education System (NJPIES) joined with 64 other poison centers in a campaign to raise awareness about 1-800-222-1222, a life-saving national hotline for poison emergency treatment and advice.
One hundred percent of the U.S. population has access to the toll-free national poison center number. The poison center number is available 24 hours a day, seven days a week. The national number automatically connects callers to the closest local poison center. No matter where a person calls from, he or she will be connected to the closest poison center. Specially trained nurses, pharmacists and doctors answer calls … (0 comments)

Commercial Water Damage Prevention: Grounds Maintenance and Landscaping - 08/08/06 04:42 AM
The Institute for Business and Home Safety (IBHS) provides information and resources for dealing with safety, maintenance and prevention issues related to natural disasters and their effects on commercial and residential properties.   They have many useful publications, including a downloadable guide for preventing water damage to commercial buildings..."Grounds maintenance and landscaping are major components of the interconnected systems that work together to protect a commercial building from water damage. In sometimes unexpected ways these outdoor activities and elements can have sudden and extreme impact on the building itself. This quick guide will draw your attention to the visible - and often invisible - forces and hazards associated with … (0 comments)

Reverse Mortgages - including HECM - 08/06/06 11:25 PM
Maybe you've watched the value of your home skyrocket but wonder how it really benefits you, especially if you're feeling house-rich and cash-poor. Many seniors find maintaining a home daunting, especially while they're trying to enjoy a quality retirement, meet daily living and medical expenses, and fund hobbies. Some are overcoming such financial hurdles by taking out reverse mortgages. Such loans allow you to convert your home equity into dollars. Those dollars then can be used for anything from upgrading your current home to paying for medicine or home-based health care. You poured money into your house for years and now … (1 comments)

Buyer Beware: Insurability of Property - 08/06/06 11:14 PM
When buying a new property, it is important that they buyer check with their insurance agent (their real estate agent can not do this, unless they also happen to be an insurance agent) and have them check the insurance property record for the property they are buying, as soon as possible upon acceptance of an offer. The insurance agent needs to confirm that the property is insurable at a reasonable rate (cost). This is especially important if you become aware that the property has had substantial and/or numerous property insurance claims during the past few years.Copyright 2006 by Timon, Inc. All … (0 comments)

Medford Lakes Canoe Carnival 2006 - 08/06/06 10:50 PM
New Orleans may have it's Mardi Gras, but Medford Lakes in Burlington County, New Jersey has it's Canoe Carnival and it celebrated its 75th Anniversary last (Saturday) night.The Canoe Carnival is held every year on the first Saturday in August because it was originally determined, after looking at historical records of the weather, that the first Saturday in August has the least amount of bad weather. Except for a few exceptions that weather pattern has held over the years and last night was a another perfect night.The temperature was perfect, the night was clear, almost a full moon. On the lake where … (0 comments)

Ballooning with RE/MAX of New Jersey - 08/05/06 07:10 PM
As a RE/MAX agent, I'm closely associated with the RE/MAX balloon logo, which is a hot air balloon.   Q. What is the difference between a Gas Balloon and a Hot Air Balloon?A. A Gas Balloon is smaller than an average hot air balloon and is filled with helium. A hot air balloon uses propane fuel to heat the air which generates lift. Helium (or gas) balloons can typically fly for longer periods of time than a standard hot air balloon.  One of the many advantages of being in New Jersey is that our RE/MAX of New Jersey team has an active/experienced balloonist … (0 comments)

How To Get Better Sleep - 08/05/06 01:30 AM
"Given how important sleep is to your health and emotional well-being, it makes sense to monitor your own schedule and make sure you aren't operating at a loss. "Science Magazine's Career Development online section of it's site recently published an article on the science of sleep -- which has useful tips for applying the results of sleep research to benefit our own lives...Forty Winks: Science and SleepVisit my web site for additional resources and services: http://www.LawrenceYerkes.com and visit http://BestHomes-NJ.com for the latest property listings (residential, commercial, multi-family, farm, land)Copyright 2006 by Timon, Inc. All Rights Reserved. … (0 comments)

Driving Down Automotive Costs - 08/04/06 11:16 PM
Despite increasing high costs at the pump, we Americans will continue to make heavy use of our car for work, errands, vacation and recreation. Here are some driving tips which will improve your fuel economy:Obey speed limits.Gas mileage decreases significantly once you exceed 60 mph.Anticipate Traffic SituationsAnticipating traffic conditions ahead and not tailgating can improve gas mileage by 5 to 10 percent. This driving strategy is not only safer, but it will also reduce wear on tires and brakes.Use less accelerator pedal.Use only enough pedal to maintain a constant speed. This reduces tire wear and mechanical repairs. Uses less gas.Use Cruise … (0 comments)

New Jersey Attractions and Cultural Events - 08/04/06 10:59 PM
For an extensive list of South Jersey Attractions, with links to websites and other information, check out out the SouthJersey.com's South Jersey Attractions page.  Find out about theaters, museums, galleries, symphonies, presenting organizations, educational and multicultural organizations, dance companies, cultural and heritage agencies, and artists from Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean and Salem counties:Vist the South Jersey Cultural Alliance web site.   RoadsideAmerica.com has a list of offbeat tourist attractions in New Jersey:http://www.roadsideamerica.com/map/nj.html South Jersey Attractions, Food, Arts and Entertainment, Sports, Things To Do:"South Jersey is a surprising mixture of opposites. Town and country... tuxedos and blue jeans... historic and avant-garde. … (0 comments)

Underground Storage Tank Legislation Signed into Law - 08/04/06 10:50 PM
On August 2, 2006, the New Jersey Governor signed into law S482- Sweeney (D-3)/McNamara (R-40). According to the NJAR, this proactive legislation will provide grants and loans to homeowners and business owners from the Petroleum Underground Storage Tank Remediation, Upgrade and Closure Fund to finance closure and associated remediation of unregulated underground storage tanks (UST) before they become an environmental hazard.For more information click here to visit the NJDEP SRWM (Site Remediation and Waste Management - Underground Storage Tanks (UST) - page    Visit my web site for additional resources and services: http://www.LawrenceYerkes.comand visit BestHomes-NJ.com for the latest New Jersey Real Estate property … (0 comments)

Annual Survey of State and Local Government Employment and Payroll - 08/03/06 11:05 PM
Census Bureau Issues Annual SurveyThe survey provides data on the number of government civilian employees and their gross payrolls. The 2004 report showed most full-time equivalent employees worked in education. Other employment categories include corrections, financial administration, fire protection, health, hospitals, judicial and legal, police protection, public welfare, streets and highways.Click here for Full Details, including prior year reportsVisit my web site for additional resources and services: http://www.LawrenceYerkes.comand visit http://BestHomes-NJ.com for the latest New Jersey Real Estate property listings (residential, commercial, multi-family, farm, land) Copyright 2006 by Timon, Inc. All Rights Reserved … (0 comments)

Lawn and Garden Resources - 08/03/06 11:02 PM
The EPA's "Concerned Citizens" section of their web site has a resources page which provides tips for home safety, avoiding potential risks, and preventing pollution by recycling and conserving water and energy.  You will find it at: http://www.epa.gov/epahome/home.htm  While there is no magic pill for a better lawn, there are some basic steps anyone can follow that will go a long way to providing a lush, healthy lawn your clients will be proud of. First-time buyers, and even repeat buyers, may need some help with their lawn, so here are 5 basic steps you might want to pass along. Get the mowing … (0 comments)

Window Guard Legislation Signed Into Law In NJ - 08/03/06 10:52 PM
New Jersey Governor Jon Corzine signed into law on Monday new window guard legislation that took effect immediately. This law extends the previous window guard law to condominiums and cooperatives. If you have prepared any leases since Monday, July 31, 2006 for a condominium or cooperative unit that is not a seasonal rental unit, you must notify the tenants that they have the right to request windows guards if a child or children age 10 or under will reside in the unit or are present for a substantial amount of time.  The new window guard law allows occupants of multiple dwelling … (0 comments)

Trade Magazines for Free - 08/02/06 12:26 PM
http://www.freetrademagazinesource.comHere is a web site to make it easy to subscribe online to trade (such as construction industry and related service provider) magazines for free!  Information is forwarded to each specific publisher. Basic subscription requirements are that...1. Your position requires you to have the most current information available to you regarding the industry discussed in the publication.2. Your position requires knowledge about the products or services being advertised3. Your position entails the assessment, endorsement and/or acquisition of products and/or services advertised or evaluated within the pages of the requested publication.Here is a partial list of the magzines categories available (in this … (0 comments)

ABA's Top 100 Events in North America - 08/01/06 03:10 PM
The American Bus Association's (ABA) Top 100 Events in North America is an annual compendium of the best events for group travel in the United States and Canada. Each spring, a committee of ABA-member motorcoach and tour operators selects the Top 100 Events for the subsequent year; the list is unveiled in September. Winners are chosen from hundreds of celebrations, festivals, fairs, commemorative events, and more that have been nominated by state tourism offices and local and regional CVBs.Click here for ABA's latest Top 100 Events.Click here for New Jersey's Tourism Press Release about their two events that made the Top … (0 comments)

National Business and Disability Council - 08/01/06 02:57 PM
The National Business & Disability Council (NBDC) is the leading resource for employers seeking to integrate people with disabilities into the workplace and companies seeking to reach them in the consumer marketplaceResources include a resume database, yellow pages directory, job postings, newsletters, hotline, audio/visual library, surveys, sponsored events and more.Click here for web site.
Visit my web site for more details and additional resources and services: http://www.LawrenceYerkes.comand visit http://BestHomes-NJ.com for the latest property listings (residential, commercial, multi-family, farm, land)  Copyright 2006 by Timon, Inc. All Rights Reserved.
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Lawrence Yerkes - Broker Associate, Southern New Jersey Real Estate Services

Medford Township, NJ

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