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August 2011

Be Ready For Hurricane Irene


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(800) 206-3781

Be Ready for Hurricane Irene! Tips and Claims Information for you.

Remember to take precautions so you and your family are safe!
Here are tips to stay safe during a hurricane:BeforeUnderstand the difference between a hurricane watch and a hurricane warning. A hurricane watch means that a hurricane may occur within the next 24 to 36 hours. A hurricane warning means that a hurricane will probably strike your area within the next 24 hours.Prepare a survival kit.Plan your evacuation route in advance of the storm.Close storm shutters and board up all windows.Stock up on drinking water and non-perishable goods.Have a supply of batteries as well as flashlights and a portable radio that are in good working condition.Review with all family members how to shut off utilities in an emergency.Secure all outdoor objects or move them inside.Secure your boat or move it to a safer place.Fuel your car in case you must leave immediately.DuringListen to the radio for important storm information and instructions.If at home, stay inside and away from all windows, skylights and glass doors. Do not go outside, even if the weather appears to have calmed. The "eye" of the storm can pass quickly, leaving you outside when strong winds resume.If you must evacuate, leave as soon as possible and be sure to tell someone outside of the storm area where you will be.AfterStay tuned to the radio or television. If you had to evacuate, return home only after authorities advise it is safe to do so.Avoid downed power lines.Beware of and check for gas leaks or electrical system damage.Make temporary repairs as necessary.Promptly report the loss using the toll-free claim reporting number.Understanding wind damageWind can tear the roofs from buildings, rip siding from exterior walls and throw debris through windows. In addition, trees toppled by windstorms can crush roofs and walls. Although hurricanes and tornadoes generate exceptionally destructive winds that can destroy buildings, high winds can happen anywhere and strike during many types of storms.One- and two-story wood frame houses are especially vulnerable to wind damage, as are manufactured homes.During a windstorm, wind forces are carried from the roof down to the exterior walls and then down to the foundation. Homes can be damaged when wind forces are not properly transferred to the ground, enabling wind and wind-driven water to penetrate the weakest point of a building's exterior.The roof, doors and windows of your house are potentially vulnerable to wind damage. When houses are exposed to hurricane forces, roofs are most susceptible to damage, followed by walls and openings. You can protect your home by regularly inspecting these areas of potential vulnerability. Roofs can be protected from wind damage by: Ensuring that plywood roof sheathing is properly installed.Bracing roof trusses.Installing hurricane straps.Doors and windows can be strengthened by: Installing reinforcing bolt kits at the top and bottom of doors.Reinforcing garage doors.Installing storm shutters over windows.The Institute for Business and Home Safety provides detailed instructions on how to inspect and secure your home against strong winds. Please visit: 
Did You Know you can report claims to your carriers directly. Please use this handy guide in the event you need to make a claim.Travelers Personal: 800.252.4633
Travelers Business: 800.238.6225
Travelers Marine: 800.772.4482
Andover: 800-206-3781
Foremost: 1-800-527-3907
Zurich: (800) 987-3373
Merchants: 1-888-644-6680
Hartford: 1-866-574-4833
FMI: 800-336-FMIC
American Commerce: 1-877-224-5677
Salem: (800) 498-0954 x165

All others complete the form on our website and submit it. A representative will call you by the next day of regular business.
If this is an emergency, please call 911

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Michelle Pendergist
[email protected]

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NEW JERSEY shadow inventory soon to be a mess

A Perfect Example: New Jersey

As an example, let’s look at New Jersey. According to the National Association of Realtors, New Jersey’s percentage of distressed properties to overall home sales (20%) has been less than that of many other states (30-70%). However, the reason for this is the New Jersey court system has prevented banks from foreclosing on many homes for over a year.  During that time, the months’ supply of ‘shadow inventory’ of distressed properties waiting to come to market in New Jersey has climbed to over 50 months, the largest number in the country.

Last week, New Jersey Superior Court Judge Mary Jacobson cleared the way for the top-four banks to resume foreclosures in the state. The impact this will have on the number of distressed properties can be clearly seen in these statistics reported by Housing Wire:

In October, New Jersey had the 24th highest foreclosure rate in the country, with servicers filing roughly 5,200 foreclosures that month, according to RealtyTrac. By July, the Garden State’s foreclosure rate dropped to 42nd with just 1,112 filings last month.

New Jersey serves as an example for many states that will see a dramatic increase in the number of distressed properties coming to the market in the fourth quarter of 2011 and the first quarter of 2012.

The Good News

The housing market will not recover until we clear this shadow inventory. The speed at which these properties come to market and are sold will determine the speed at which the housing market recovers. The latest S&P Shadow Inventory Report shows that the months of shadow inventory already is decreasing. The report explains that the number of families falling 90 days behind on their mortgages has decreased dramatically. That means that as we clear these distressed properties there will be much less of a backfill. The end to the housing crisis is finally within sight.

Bottom Line

If you are thinking of selling your home in the next twelve months, selling sooner rather than later will probably get you the higher price. However, in 18-24 months, the market will return to historic appreciation norms.

Egg whites . . . Who Knew? TAKE HEED, YOU NEVER KNOW!


A young man sprinkling his lawn and bushes with pesticides wanted to check the contents of the barrel to see how much pesticide remained in it. He raised the cover and lit his lighter; the vapors inflamed and engulfed him. He jumped from his truck, screaming. His neighbor came out of her house with a dozen eggs, yelling: "bring me some eggs!" She broke them, separating the whites from the yolks. The neighbor woman helped her to apply the whites on the young man's face. When the ambulance arrived and when the EMTs saw the young man, they asked who had done this. Everyone pointed to the lady in charge. They congratulated her and said: "You have saved his face." By the end of the summer, the young man brought the lady a bouquet of roses to thank her. His face was like a baby's skin.


Healing Miracle for burns:

Keep in mind this treatment of burns which is included in teaching beginner fireman this method. First aid consists to spraying cold water on the affected area until the heat is reduced and stops burning the layers of skin. Then, spread egg whites on the affected area.

One woman burned a large part of her hand with boiling water. In spite of the pain, she ran cold faucet water on her hand, separated 2 egg white from the yolks, beat them slightly and dipped her hand in the solution. The whites then dried and formed a protective layer.

She later learned that the egg white is a natural collagen and continued during at least one hour to apply layer upon layer of beaten egg white. By afternoon she no longer felt any pain and the next day there was hardly a trace of the burn. 10 days later, no trace was left at all and her skin had regained its normal color. The burned area was totally regenerated thanks to the collagen in the egg whites, a placenta full of vitamins.

This information could be helpful to everyone: Please pass it on















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Proposed Long Branch Ferry Terminal Gets Boost

Proposed Long Branch Ferry Terminal Gets Boost From Pallone

Congressman Frank Pallone announces $2.8 million in grants for Monmouth County ferry terminal projects

The proposed Long Branch pier and ferry terminal got a big shot in the arm on Thursday when Congressman Frank Pallone announced additional funding for the project.

Last week, Pallone announced that he had received a grant to help fund the final phases of design and engineering for the ferry, with the hope of determining the construction costs and moving forward with project.

Pallone has lead efforts to provide federal funding toward construction on the Long Branch Pier and Ferry Terminal and has previously secured funding for the pier’s design and engineering. The project once started, would create 1,200 jobs during the construction phase and once completed, it will create 600 full-time jobs, according to Pallone.

“Once it’s completed, the Long Branch Ferry will ease the pressure on other major thoroughfares in the region and the pier will provide recreational benefits including fishing opportunities for Jersey Shore residents," Pallone said in a release.

The city has not yet picked a final design for the project and has not announced any plans to begin the project, which would include a ferry that takes passengers from Long Branch to Manhattan, a large pier and amenities such as restaurants and a fishing area.


Please Help the Animals... and make this go viral

As some you may know my children have paws; even if u don't live in nj... HELP THE ANIMALS...

It makes me ill just thinking about it. Can you imagine if your pet got lost and was taken to a shelter, only to be immediately killed? This could be reality instead of the 7 day hold. PLEASE take one minute to call Governor Christie by 8/25 to ask him to conditionally veto bill S.2923 with an amendment to retain New Jersey's seven-day hold for shelter animals as state law. Details follow below.

What You Can Do
Call Governor Christie's office at (609) 292-6000 right away and ask him to conditionally veto bill S. 2923, amending it so that New Jersey's seven-day hold for shelter animals remains state law.

Dear New Jersey Animal Advocates,

A companion-animal related bill, S. 2923, has passed the New Jersey Legislature and is now before Governor Chris Christie for his approval. On the surface, S. 2923 looks like something you would support—it establishes a spay/neuter and animal identification program—but it contains an alarming provision to eliminate the state’s current mandatory seven-day hold on all animals entering shelters. This would give excessive discretion to shelters over the lives of your pets, who could be killed immediately upon entering a shelter due to any "age, health, or behavior" reason.

The purpose of the seven-day holding period is to give pet owners time to find their lost and runaway animals. Imagine the pain of losing your pet and knowing that if he or she winds up in a shelter, it could mean instant death instead of a safe haven. This nightmare scenario could become a reality for even the most responsible pet parent.

We're asking Governor Christie to exercise a power called conditional veto—he could strike this particular language in S. 2923 and send it back to the Legislature for reenactment with that change, leaving the good parts of the bill intact.

We need your help! Please urge your governor to do the right thing by his August 25 action deadline.

What You Can Do
Call Governor Christie's office at (609) 292-6000 right away and ask him to conditionally veto bill S. 2923, amending it so that New Jersey's seven-day hold for shelter animals remains state law.

Visit the ASPCA Advocacy Center for more information and talking points that will help you when you make the call.

Thank you, New Jersey!

Limited Time $10.00 Bag & Box Sale

Stuff Your Bag or Box Sale
Going on Now!!

+ tax

Fill a bag or box and stuff it with items from our designated clearance sections!

You walk away with great savings & there will be plenty of room for new plants and merchandise for the fall. 


Sale valid Friday, August 12th - Monday, August 15th

Fill our bag (for merchandise) and/or box (for plants)

STUFF your bag or box with items from our designated Clearance sections, until you can't fit anymore in. * Those items are yours for $10.00 + tax. Wow!

*Only items that fit inside the bag or box may qualify. Bags must be used for merchandise and boxes must be used for plants. Bags: may not be ripped or broken from weight or large items. Boxes: All pots must touch the bottom of the box. No double stacking or taking plants out of their pots. One bag and one box per customer per day. 



1014 Sea Girt Avenue
Sea Girt, NJ 08750
Open Daily

How Long Does It Usually Take To Sell A Home

Truer words were never spoken. This applies all over the country.
Answering one of our most frequently asked questions, applicable to all markets, Corcoran's Pamela Liebman stresses the importance of proper pricing. "I've seen homes sell in a day, and I've seen them take 3 years to sell" she explains. Understanding how to price your home correctly is the key factor in setting your expectations for how long it will take to sell.


how do you decide when the right time to sell

With so much going on in the market, how do you decide when the right time to sell really is? Pamela Liebman, President & CEO of The Corcoran Group explains that while keeping you eye on the state of Florida's depressed housing markets is important, making the decision based on your personal situation is a much more important factor.

These words don't just apply to FLorida they apply all over the country. So if you are considering selling in Monmouth county New Jersey I hope you will give me the opportunity to interview with you.