Affordable Care Act – Where Do New Jersey Small Employers Go From Here?


Affordable Care Act – Where do small employers go from here?

Options to consider when choosing your company's employee benefits

We are well into implementation of the Affordable Care Act (ACA) and the impact of this legislation is being felt by many small employers.

First employers must determine if they qualify as small (fewer than 50 employees). This is not as simple as it looks. An employer may have 48 employees working 30 hours or more and conclude they are a small employer. Yet if they have 10 employees working part time, less than 30 hours per week, these part-time employees must be translated to full-time equivalent employees.

Because each of these part-time employees equates to half a full-time employee, this particular employer has five additional full-time employees, or the equivalent of 53 full-time and full-time equivalent employees. This company actually qualifies as a large employer and must follow the regulations applying to large employers.

That being clarified, the next question a small employer will ask is whether they continue to offer coverage – can their business afford it? What happens if they do not offer coverage – will they still be able to attract and retain top talent? These are difficult questions with various events depending on the employer's decision.

If the employee opts to continue offering coverage, next they must consider their options. Do they offer benefits on the Small Business Health Options Program, or SHOP, the federal exchange? As of now employers are able to offer only one plan option on the SHOP, and employees can only be turned on paper. (In 2015 it is expected that enrollment will be available online.)

Medical plans offered on the SHOP also must be offered outside the program. So what are the benefits?

Small employers who opt to enroll employers via the SHOP may qualify for the small business tax credit, which is not available outside the SHOP marketplace. To be eligible, an employer must cover 50 percent of the employee-only cost and have fewer than 25 full-time employees, including equivalents, and employee wages must average less than $ 50,000 per year.

Another benefit of the SHOP is that full-time employees are defined as those working 30 or more hours per week. Outside the SHOP, under New Jersey law, full-time employees are defined as those working 25 or more hours per week.

Another area of ​​questions for small employers are private changes and using defined contributions.

Private Exchanges are similar to the SHOP except the employer can offer up to six different plan options that the employee can chose from, depending on what best fits his or her needs. Defined contributions are a fixed dollar amount (a "defined contribution") provided by the company that the employee chooses how to spend.

Choosing a private exchange in conjuction with a defined contribution approach seems to be the wave of the future. With traditional employer-sponsored health plans, employers are building their benefits around a certain plan chosen by the employer. With a defined contribution approach the employer builds their benefits around a set dollar amount. This allows employers to predict what their health benefits costs will be.

With a defined contribution employees are giving a virtual "gift card" with a set amount of money on it that they may use to shop for their own insurance from among the employer-provided multiple benefit options. It is a win / win for all. The employer can set their budget and the employee has multiple options from which to choose.

In 2014 most employers are choosing to stay with the private carriers since they offer more plan options. In addition, some employers are getting their premiums reduced by as much as 45 percent because the plans were having many very plan options. Before ACA took effect carriers may have offered 30 plans to employers. Now they may only offer 10. On the other hand, [premium increases at] renew have gone as high as 88 percent.


Virginia birth record


The state of Virginia can be found in the southern part of the North American continent. It is the home of eight US Presidents. It has a rich history, from the earliest indigenous population to its discovery by the Virginia Virginia Company. Today there are about 8 million people in the state.

Registration of births, deaths and marriages began in 1856 and moved to 1896. Because of a civil war explosion. Only very rare countries have been registered in this dark period of reform and some in 1896-1912. 1853-1896 During the time the records were recorded and well kept in the Virginia Library. Marriage and licensing bonds are often published at district level records. They can be dated from the 1600s.

For those who aspire to record births since 1913, and marriages dating back to 1936, they can write to:

Virginia Health Care Department
Life Insurance Officer:
James Madison Building
PO Box 1000
Richmond, VA 23208
Tel. 804-786-6228 or 804-786-6201

The fastest way to check and search for birthday records is to find birthdate data. You must pay a fee, the good news is that you can get a full refund if you have not found any records if you are trying to write about the Virginia Department of Health or VA. a vital statistical office where the return is not given.


Power Networking for Basketball Coaches


Recently I attended a Junior College game that featured two of the best teams in the Midwest. As the stands filled up I noticed there were about a dozen college coaches in attendance. I will use this to explain how powerful your network can be and how it will grow exponentially.

Your network is only as strong as you make it and includes the strength of the coaches in your network. For example, you may know 30 coaches after a couple years in the profession. If none of those coaches are tied to bigger, more diverse networks then you don’t have much. If your group of 30 coaches has a few coaches who are hooked into bigger and stronger networks, then you are on your way.

The awesome thing about networking is that it can grow exponentially over a few years, from 1 to 100,001 coaches.

Here’s the make-up of my network as I watch the game last night. All of the following coaches were in attendance.

This is an example of Networking in Action:

Orv Salmon, Head Coach, DMACC. Orv and I have known each other for years and both worked for Gary Garner at Drake University.

Ben Jacobson, Head Coach, University of Northern Iowa. I recruiting Ben to play for the University of North Dakota.

Steve Krafcisin, Head Women’s Coach, DMACC. We have two schools in common. North Dakota and Iowa State University.

Bob Sundvold, Former college coach for 22 years. Bob and I worked together at Iowa State and are now business partners.

Matt Murken, Assistant Coach, Wayne State University. Matt works with Head Coach Rico Burkett at WSU. I recruited Rico to North Dakota and he joined my staff as an assistant at Stetson University.

Thom McDonald, Commissioner of Iowa Community College Athletics. Thom and I work for Championship Productions and he is also a former assistant at Drake University.

Spencer Esslinger, Assistant Coach, DMACC. Spencer worked our basketball camps at Iowa State University for many summers.

Dana Goodwin, Assistant DMACC Women’s Coach. Dana worked our basketball camps at Iowa State University for many summers.

B.J. McGinn, Assistant Coach, DMACC. B.J. has been a Junior college assistant in Arizona and an assistant at Wayne State University for Rico Burkett.

Jim Glash, Assistant Coach, Missouri-Rolla. Jim was a successful 9-year coach at Olney Community College. Bob Sundvold and I recruited a few of Jim’s players at Olney.

Rob Jeter, Head Coach, University of Wisconsin-Milwaukee. Rob is a friend of Ben Jacobson’s and the two have played against each other. Because of their relationship, Rob is also then connected to all of the above.

Then, after the game Bob and I drove back to Ames and met the Iowa State University staff following their victory over the Missouri Tigers. The network continued with the following people:

Jeff Rutter, Assistant Coach, Iowa State University. Jeff worked our camps at Marquette, was an assistant on my Stetson staff, and then served as the head coach at the University of Wisconsin-Parkside.

Greg McDermott, Head Coach, Iowa State University. Greg is tied in several ways to this group. He followed me as assistant coach at the University of North Dakota. There he coached Ben Jacobson and Rico Burkett. Next he was the head coach at Wayne State University, then North Dakota State. Burkett assisted him at Wayne State and Jacobson at NDSU. Before ISU, Greg was the head coach at the University of Northern Iowa. Two of his assistants were Jeff Rutter and Ben Jacobson.

T.J. Otzelberger, Assistant Coach, Iowa State University. T.J. has been an AAU coach and an assistant at Chipola CC, Florida. T.J. played for Jeff Rutter at Parkside for a year. He was on McDermott’s original staff at ISU.

Eric Henderson, Student Assistant, Iowa State University. Hendo played for McDermott and Burkett at Wayne State.

Josh Carper, Graduate Manager, Iowa State University. Carper played at Sioux City East for Jeff Vanderloo, a friend of mine and McDermott’s.

There were 16 connections to my network I saw last night. The amazing thing is that I did not plan on seeing any of those coaches. They were there just doing their job as recruiters.

Networking is essential for the health and productivity of your career. Once you are aligned with one coach, you are automatically connected to all of his connections, and all of their connections, and all of their connections……….that’s how you build from 1 to 100,001!


The Best Romantic Restaurants in New Jersey


New Jersey, one of the smallest states in the nation, is packed with an exceptional variety of attractions including; beaches, boardwalks, amusement piers, bed and breakfasts, beautiful hills and mountains, charming Victorian towns, casinos, and of course great restaurants.

The dining experience in New Jersey can run the gamut from the Jersey shore family restaurants that serve up fried sea food, burgers, and pizza, to the many fine dining restaurants that can be found in most of the major cities and towns.

The best romantic restaurants offering exceptional dining to celebrate your anniversary, Valentine's Day, or an intimate occasion with a loved one .

Amanda's Restaurant in Hoboken is set in a beautiful converted brownstone building, with the dining area adorned with embroidered linen, a fireplace, and pine-planked flooring, all balanced to set the mood for a memorable, romantic eating. 908 Washington St. 201-798-0101

The High lawn Pavilion in West Orange, with its striking view of Manhattan, is only the beginning of an extra dining experience. The impressive grand vistas are matched by High lawn Pavilion's well prepared American Fare. Eagle Rock Reservation, 973-731-3463

The Frenchtown Inn in Frenchtown is a charming romantic restaurant in a scenic, historic location with 19th century white-collected building on the banks of the Delaware River. The restaurant decor is attractive with high ceilings, dark moldings, and carpeting that muffles the sound. 7 Bridge St. 908-996-3300

Panico's in New Brunswick is a modern day version of an old world fine dining restaurant. Its elegant, with mirrored walls, earth peach tones, soft lighting, and a flower at each table. 103 Church Street (732) 545-6100

The Ebbit Room in Cape May is located in the charming Virginia bed and breakfast hotel. Stay overnight and enjoy a romantic getaway with new an American menu and piano music to complete that special romantic getaway. 25 Jackson St. 609-884-5700

Are the Best Romantic Restaurants too pricey for your budget?

Here is a list of the best of the less expensive, or affordable romantic restaurants in New Jersey that can be enjoyed by a couple looking for a cozy dining experience in a romantic setting at an affordable price.

Creole Cafe in Sewell If you enjoy the popular Cajun dishes like crawfish, jambalaya, muffaletta, and Po Boys, or are the adventuresome type willing to try Alligator, Ostrich or Elk, then you will enjoy this place. The location is in an old Victorian home converted into a restaurant with three attractive dining areas done up in soft sponge painted peach and coral tones with a down home, Southern feeling. 288 Egg Harbor Rd 856-582-7222

La Griglia Sea Food Grill and Wine Bar in Kenilworth offers good Northern Italian dishes and sea food selections and an award winning wine list. The decor is contemporary and attractively done up with colorful prints, candle-lit tables, and soft recessed lighting. 740 Boulevard 908-241-0031

Sergeantsville Inn in Sergeantsville offers fireside dining in a 1700's stone building; ask for a cozy table for two by the large stone, open wood burning fireplace. The atmosphere is attractively done up in colonial period decor. They offer a nice menu of traditional country American selections and exotic wild game dishes. 601 Rosemont-Ringoes Rd. 609-397-3700


New mining laws Sago after the abolition of the year


2006 January 2, the tragic explosion of Sagone Mines, a state of Western Virginia, which has given twelve lives and has always been disabled, requires a rational explanation a year later. The disaster captured the interest of the American public and stimulated the encouragement of legislators and bureaucrats, while the coal mining operators covered.

Not only will the artificial mining experience become an international coalition group owned and operated by the Sagon mine, it has become a source of issues that have not been publicly disclosed for decades, and the miners have remained in danger.

And questions arise of why the federal and state security laws are ignored by state bodies and regulations, bypassing the coal industry. Nevertheless, there was a knee response to the implementation of more federal legislation through Congress halls and various state-owned homes. New mining laws have been adopted in mining industries lost to mining companies.

The immediate cause of the explosion at the Sagone mine is still to be confirmed by independent missions on the West Virginia State, the US Federal Mine Action Authority (MSHA), the United Nations Mine Workers' Association (UMWA) and individual reports. In 2006, the largest increase in carbon dioxide deaths in the United States lasted for 107 years, with industry since 1995 and more than 22 percent. The stakeholder provides them.

This writer made a tremendous report a year ago on the federal mining regulation, the lack of state governance, the deterioration of the industrial state over the last few decades, and the recent growth in industry. Factors affecting mining safety decline.

And despite this, the historical contexts of dysfunction may not give rise to confidence where the coal extraction is functional in a better place than a year after Sago. Raising an indifference, blindness, or preference is the first step to improving, but many more workers should ensure that miners and their families are less risky and prioritized.

Preliminary reports of Western Virginia miners' affairs. Health, Safety and Education (WVMHST), International Coal Group, Inc., MSHA, and independent mandate studies, such as the mine clearance technology and training committee, cite Sago Mine's life-saving factors.

However, without the substantial scientific evidence, the three strikes of the strike remain the official reason for ignoring the methane gas caused by the explosion. And so my speculations continue and without the foundation for mining and researchers. The problem is how light could cross more than two miles on the underground surface and turned over to a closed road to a place where miners were stationed and caused a temporary explosion.

Additionally, the underground mines used on the walls were manufactured with materials that were not able to resist the minimum mandate of 20 pounds per square inch (psi). However, Sago's stable explosion was 95 psi. Engineers are now testing new composers capable of managing more than 95 psi. So far, there is no reliable material for this kind of explosion, although MSHA has changed the requirement of mine seals in 2006.

It was the loss of life in Sago Mine, as well as the deaths of the next two West Virginia carbohydrates. On January 19, Sago's fire at the Haikoma mine was followed by five other victims in Kentucky on May 20, 2006, following a Darbinian No.1 catastrophe in the Harlan region. Accelerated Dynamic Mine Improvement and New Emergency Response Act. President George W. Bush On June 15, it signed into law. And the explosion in the Sago mine, the governor of West Virginia, Joe Mancchin, On January 26, new mining laws were followed, which followed a special investigation into the causes of the Sagon disaster in West Virginia.

2006 On February 7, WVMHST announced the provisions of its emergency rule provisions by the legislature. They included a 1000-meter distance where miners drilled coal, daily inspection of air and the results of the reporting to the state; Installation of 30 minutes of emergency air flow zones equivalent; wireless communication equipment that can reach the surface through text, sound, and location.

Similarly, by Kentucky in 2006, On July 12, the law came into effect as it was in effect in 2006. 16 miners suffered a total loss. The law includes changes that require minesweepers to inflict serious injury or death into state officials within 15 minutes, boxes for each miner and provide rescue scrubbing that goes through every 90 days. In Kentucky, the authorities are now violating mine operators for violations and from 2 to 3 per year raises the number of underground inspections.

At the same time, the US Congress quickly revoked its revised mine clearance rules since 1996, following the 1996 Capitol Hill hearing, the Sago Mine explosion and the Aracoma mine fire.

Federal law revisions include a two-hour air supply for one miner, as well as air box zones with an additional 2 hours of air for one miner. Previously, only an hour of air was required. Demining operators should inform the disaster about 15 minutes, while there was no time in the past. Two separate and protected communication systems are required. In the past, only one was required. Wireless communication and mining systems are required to operate from June 15, 2006 within three years.

Additionally, two experienced rescue teams should respond to mining accidents within 1 hour, over the past two hours, and have been reinforced by emergency response and evacuation programs. MSHA has also added more than two dozen federal mining inspectors and mandates to change the structure of the breakdown fees. Unfortunately, fewer federal inspectors remain in the United States since 1997.

The federal government is also given the authority to request the mines which have denied the final violations. However, the appeal process is prolonged, and the mines in that process can remain indefinitely, irrespective of the heavy neglect. Total penalties continue to be favorable for small or medium-sized industries, which in the first nine months of 2006 accounted for historical income.

"Dramatic changes in mine clearance laws only protect our miners if MSHA shows true teeth in the performance and performance of our new requirements," says Sen. Jay Rockefeller (D-WVA) at Capitol Hill during the first week of MSHA 2006 . In December, he and Sen. Robert Byrd (D-WVA), who were mainly responsible for the 2006 attack, modified federal mining law, met with the MSHA and bipartisan committee to ensure compliance with the new law and the agency if it has sufficient funds to implement the provisions of the new mining act and its security measures.

2007 There is no fresh air box as of January. However, minesweepers believe that they have satisfied the new regulation because the law requires procurement orders rather than the acquisition of aircraft as proof of compliance. The miners reported that the airports are back for another year, although the German manufacturer has 6,500 units. Self-Rescueers (Self-Rescuers) Since 1977, the same type of equipment has been used, when the first major changes in mining safety laws are applied.

However, strengthening seals, improving breathing technologies, creating refugee chambers, and establishing communication and consistent technologies have so far been only $ 10 million needed for research and engineering assessments and remain. And again, in 2007 The new stage of the Congress speeches is dedicated to the mining industry, this time Congressman George Miller (D-CA) is the new president of the Education and Labor Committee.

It is difficult to expect the federal government to finance the necessary changes in the law or wait for the mine operators to make their own unreal and reasonable promises in the presence of the police. J. Davitt McAteer is an advisor to the former MSHA (1994-2000), and now Governor of West Virginia, Manchini's expert, believes that "standard steps or prejudice while industry is waiting for technology improvements." What caused the blast and as a result, the disaster, according to McAteer, is clear.

The lack of explosive evidence seals, lack of air boxes, lack of communication devices, delaying and non-application of rescue responses were a preventive measure that could have been long ago. And Seville E. Roberts, the president of UMWA, has called on MSHA to handle electrical storms as long as the questions remain the exact cause of Sago's explosion.

Unfortunately, in 2006, On September 7, Sago Mine's operator, ICG, Inc., was again referred by WVMHST to provide mine-operated SCSR breathing apparatus. The devices had indoor heating parameters. 50 to 6 were subjected to a temperature of 130 ° F. It is extremely alarming that the violations were only public knowledge after three months of service.

And in 2007 at this young age, two miners in West Virginia lost their lives in 2007. On January 13, as a result of the collapse of the roof of Brooks Run Mining Co. WVA's ear. The Brooks Run mine was discovered by federal inspectors 65 times in 2006. Penalties for only $ 5,000.00. Though mining companies immediately informed the authorities in accordance with the new licensing law, little has changed over a year. As Cecil Roberts continues to preach, "When you bring in safety in production, such tragedies are often the result."

Copyright © 2007 Diane M. Grassi


Top Five Must-See Locations When You Travel to Des Moines, Iowa


Located at the center of the great state of Iowa – known to many as the corncob state because of the many miles of sprawling cornfields – you will find the clean and pristine, bustling city of Des Moines. Originally founded in mid-1800s as a fort for the US military, this city has grown proportionally ever since and now is the largest city in the state. Aside from being an epicenter for American farmers, Iowa is actually one of the insurance company capitols of the world, sitting in third place next to London and Hartford, Connecticut, respectively. There is much to see here away from flashy insurance company buildings and cornfields, however. If you are planning on traveling to Des Moines in the near future, then make sure that you add a few of these top five must-see destinations and attractions to your list before embarking on your trip.

Iowa State Capitol
Originally constructed during the late 1800s, this building represents the very best of the early 1900s architectural designs. The steel and brick dome is coated with a thick layer of gold leaf that really makes it stand out on a bright and sunny day. The city offers free daily and guided tours of this amazing capitol building. Make sure that you do not miss this structure when you travel to Des Moines.

Des Moines Botanical Center
One of the coolest botanical centers in the country, this awesome fourteen acre center sets adjacent to the Des Moines River and is one of the most popular of all attractions that can be found in this city. It annually sees hundreds of thousands of visitors and can be very packed during certain times of the year. Make sure that you call ahead when you are here so that you can find out the best time to visit this must-see destination. Also make sure that you set aside plenty of time to really take in all of the sights that are here; it is recommended that you set aside at least half a day.

Blank Park Zoo
The mission statement for this zoo reads as follows, "To inspire an appreciation of the natural world through conservation, education and recreation." This is exactly how you will feel and what you will find when you visit this not-to-be-missed, world class zoo in Des Moines. Take a gander at over a hundred different species of animals and nearly 1,500 different specimens as you browse through this awesome, must-see attraction.

Walnut Woods State Park
This reserved state park is awesome. Its 260 acres of preserved land meets at the Raccoon River in West Des Moines. This park is open 365 days per year and hosts many different activities that vary by season including, but not limited to: cross country skiing, backpacking, hiking, hunting, camping, horseback riding, fishing, bird watching, waterside activities such as rafting and boating, and many more.

Jordan House
This house is the historically preserved house of the original founder of Valley Junction, James Jordan; one of the coolest, occasional, historical mansions that you can visit when you travel to Des Moines. The gothic and Victorian architecture is literally awe-inspiring. There is a rich history attached to this mansion, which is best known for being a part of the intracy Underground Railroad that helped to free southern slaves to the north during the 1800s and the Civil War. Today it is a museum where you can enjoy a guided tour, and it is also one of the oldest houses in the state.


Laws in New Jersey For Kids & Teens Charged With Crimes


Juvenile Offenses in the State of New Jersey are taken seriously by law enforcement and the court system, and juveniles accused of committing a criminal offense can face severes consequences. For this reason, the courts require that every juvenile that is charged with a violation of the law must have legal representation, regardless of the seriousness of the offense. New Jersey is concerned with protecting its youth and molding them into the successful men and women of tomorrow. That is why the courts take steps to protect the identity of juvenile offenders, separate them from adult offenders when detention is necessary, and employ a rehabilitative approach in dealing with adolescents.

In order to be considered a juvenile offender, an individual must have committed a crime prior to their 18th birthday. Any crimes committed after an individual is 18 years of age will not be heard in juvenile court. However, due to the seriousness of some criminal acts, juveniles can be referred to adult criminal court. Common offs for which juveniles appear before the court are driving under the influence or underage possession of alcohol, drug possession or distribution, crimes of assault or threat of assault, disorderly conduct, and truancy.

Because criminal violations of the law can tarnish an individual's name, reputation, and future endeavors, juvenile court proceedings are not open to the public. Additionally, the consequences of juvenile cases are determined by the judge, unlike adult criminal cases which are determined by a jury of their peers. It is important to protect the juvenile, but it is also necessary to make sure the juvenile offender receives the services and supervision necessary to their continued personal growth.

The goal of the juvenile court system in New Jersey is not to punish juvenile offenders but to help them and rehabilitate them, unlike adult criminal court that is only concerned with punishment criminal offenders. While juvenile offenders can be placed on probation or even sent to a detention center, the judge presiding over the case has several rehabilitative measures from which to choose including community service, restitution, counseling, and job placement. The best interest of the juvenile in question is always the top priority within the juvenile court system.

Even though this is the case, it is of utmost importance to have an attorney on your side that is familiar with the laws regarding juvenile damages and family court proceedings. Therefore, it is important to ensure that your child gets the help and assistance that he or she needs to aid in his or her development.

Because juveniles charged with a crime in NJ can have a devastating impact on the juvenile and those they love, securing professional legal services from a caring and considerate attorney can be of great value to a family.


Football Soccer – Oregon and Oklahoma lose their hopes for BCS, only 0 and 1 loss teams are reasonable


Last week's # 39; s AP Top 25 survey, I think we can now expose 17 of the top 25 teams that no longer match the pursuit of the BCS National League game. They all have 2 or more casualties. They are:

Oregon, Oklahoma, Virginia, Texas Tech, South California, Texas, Florida, Clemson, Virginia, Boston College, Tennessee, Illinois, Cincinnati, Kentucky, Michigan, Wisconsin and Connecticut.

So my message is to you. Get it and go.

Recent losses were in dire straits and reduced to Oregon Ducks 2nd category and Oklahoma City Sooners No. 3.

The Ducks not only lost his second loss in Arizona, on 34-24, but also lost his Heisman Trophy and Superior Hall Dennis Dikhon in the first quarter of the ACL, losing his left knee. Dixons were the crime of Oregon and without it being shown.

The Sooners took the second loss at Texas Tech 34-27, leaving them out to look at the BCS title. Like Oregon, Sooners has lost its quarter-end to Sem Bradford in the first quarter with an obvious shock.

Eight teams are now hard to ignore. Everyone has only 1 loss, except Kansas City and Hawaii, which are invincible.

Everyone remains in the hunt as they continue to win, as the seasonal winds are low or they are inactive this week as the 9th in the Arizona state (9-1).

Louisiana (10-1), who took the 1st place, took advantage of the 98-odd return and two-scattered games to hold Mississippi 41-24 on the goal line. Mississippi is now 0-7 in the SEC.

Kansas City, who took the 4th place, hosted Iowa State and cyclones easily defeated 45-7.

5. Western Virginia (9-1) toured 21st Cincinnati and gave Bearcats a third loss, 28-23, showing this week's 25th place for the Connecticut (9-2). Greater East title and BCS Cup.

Connecticut gets my candidacy as a team of 9-2, which keeps track of this season with the least click. The Huskies calmly and effectively beat South Florida, Rutgers and Cincinnati, all that has already been occupied and has received much more notice. South Florida ranked second, Rugters10th and Cincinnati at the 15th place.

Missouri, which ranks No. 6 on 10-1, left Kansas State and won the Wildcats 49-32. Missouri freshman Jeremy McLean (speeds up) has set a record for fresh season fresh season NCAA records of 252 all-round yards to regain 99 gorges for the account and catching 2 TD lanes, giving it 2,201 of the most common yards away.

No. 6 Missouri this week 6 at the Great 12 show of horror proportions for Kansas. Kansas is 7-0, and Missouri at 6-1 on 12th.

The 7th place in Ohio (11-1) last week was displeased with in Illinois, with 14-3 victories, in No. 1. 23rd place was taken by Michigan at the Grand Slam. The state of Ohio has completed the next season. The Buckeyes will be sitting and waiting and seeing their destiny at BCS. Look at them in Rose Bowl, the worst.

Jim Tresel became the first coach of the Ohio state, seven years later, six times to Michigan. His Buckeyes captured their first straight line for the Big 10 titles for 50 years.

The 13th place in Hawaii (10-0) has left Nevada and is lucky with 28-26 victories. The Warriors led the 19th century on the 10th, but Wolfpack 16-9 went out in the second half.

The Hawaiian Islands are over 42-35 in San Hose, and 37- 30 years in Fresno. The Warriors, who scored a lot of points (45+), get their first true test this season this week when they host No. 17 in Boise State. Hawaiian or Boise's victory could have led them to the BCS Cup, especially if a team loses them before.

Boise's state warmed Hawaii, destroying Idaho 58-14. The Broncos victory was not a big deal, as Idaho is in the season of 1-10 and out of the deficit.

So there is a strong 6-Louis, Kansas, West Virginia, Missouri, Ohio and Arizona, and not so powerful 2-Hawaii and Boise state.

On Sunday night (11-18-07), the new AP poll showed LSU 1, Kansas City 2nd, Missouri 3th, West Virginia 4th, Ohio 5th, Arizona 7th, Hawaii 14th and Boise Province 17th.

On Tuesday, 11 and 19-07, the BCS new standings showcased LSU 1, Kansas City 2nd, 3rd in West Virginia, fourth in Missouri, Ohio, the fifth place in Arizona, 6th place,

There is a guided escort that two out of 8 teams involved in BCS hunting are losing this week's Kansas-Missouri clash and another location in Hawaii and Boise. It should help overcome the fog next morning.

Copyright © 2008 Ed Bagley


Foreclosure Laws in Iowa


Iowa is one of the few states where judicial or in court foreclosure is the only method available to the bank.

Foreclosure begins in this state when the bank decides that the home owner is not going to be able to come current on their payments. The banks first step is to have their attorney file a complaint against the homeowner in court. This is done to get the court to issue a decree of sale. Once this has been obtained from the court having jurisdiction over the county where the home is located, then the process of selling the home can begin.

The court, once they find the homeowner exclusively in default, will give them a short period of time in which to catch up all the delinquent payments, plus extra costs like attorney's fees. If in this short time frame, the homeowner is not able to come up with this money, the court will order the home to be sold.

First the notice of sale needs to be posted in a minimum of three public places, in the county where the home is located. One of the public places must be the court house of this same county. Additionally, two advertisements announcing the scheduled sale date must be placed in a local paper with circulation in the county where the home is located. The first of these ads must be run no less than four weeks before the scheduled sale date. The second ad just must be run sometime before to the sale date.

The sale is a public auction. It is held between the hours of 9:00 am and 4:00 pm. The time must be clearly stated in the notice of sale.

Iowa allows for bids to be made by people not attending the auction. This is done by submitting a sealed written bid to the sheriff prior to the scheduled sale date. This sealed and written bid must be accompanied by payment of any fees required to be paid at the public auction by the purchaser of the home. If the winning bid is not one of the sealed and written bids, then the sheriff must return that sealed and written bid to any person who submitted the written bid, who was there at the sale making the bid in person.

Other Iowa jurisdictions include the fact that the home owner is required to sign a disclosure of notice cancellation. This document states other other things, that the borrowers voluntarily giving up his rights to reclaim or occupy the home. Both the bank and the homeowner must file a jointly executed document with the county recorders office stating that they have chosen to proceed with the foreclosure using the voluntary foreclosure procedures.

The state of Iowa does not allow the bank to pursue a deficiency jurisdiction. In most states, the bank can seek additional money from the former homeowner. This amount of money that is allowed to be bought is to help the bank make up the difference between what the home sold for at auction, and what was owed on the loan. This however is not a worry for the person who loses their home to foreclosure in this state.


Recommendations Of New Jersey’s 1997 Property Tax Commission


Recommendations of the Governor’s 1997 Property Tax Commission that through August 2, 2001 have been enacted by law or by regulation and those which have had just bills introduced.

Governor Whitman asked the Property Tax Commission she created in 1997 to study the property tax problem in New Jersey and offer recommendations that would help county, school, and municipal officials ease the burden of property taxes on New Jersey residents.

The 60 specific recommendations of the Commission are listed in summary form below. Following the specific recommendation is a citation to the law, regulation or bill that followed or a statement that (No law, regulation or bill has been forthcoming).

It appears that after the 60 recommendations of the Governor’s Property Tax Commission were issued in September of 1998, 11 recommendations had one or more bills introduced to implement them, 6 recommendations were implemented by Executive Order No. 88, and one recommendation was implemented by a constitutional amendment.

Chapter I

1.1 Enact legislation that would allow municipal governments in urban aid-qualified communities to levy a parking, entertainment, or hotel room tax for the purpose of providing direct tax relief to property taxpayers.

(No law, regulation or bill has been forthcoming).

Chapter II

2.1 Establish a State program of financial assistance and incentives to encourage local governments and school districts to consolidate, regionalize, and implement new joint services.

P.L.1999, c.60, Regional Efficiency Aid Program (REDI). This program assists local governments and school districts with the study and implementation of shared service agreements and consolidation efforts.

2.2 Link any program of incentives and financial assistance for consolidation, regionalization, and shared services directly to providing property tax relief for the communities’ residents.

P.L.1999, c.61, Regional Efficiency Aid Program (REAP). This program provides property tax credits directly to residents in those taxing districts that have implemented regionalization and other cost saving measures.

2.3 Continue funding for the Joint Service Incentive Grant Program, which provides “seed money” to study or implement consolidation, and regional and shared service programs.

The last time the “Joint Services Incentive Aid” grant program was funded in the State Budget was for $500,000 in FY 2000.

2.4 Amend current statutes to provide, at local option, that in instances of shared or merged services involving police, firefighters, and teachers, all contractual matters shall be subject to renegotiation with the shared/merged service provider.

(No law, regulation or bill has been forthcoming).

2.5 Permit locally funded early retirement incentives or added pension credit programs for newly consolidated municipalities or new interlocal service programs.

P.L.1999, c.59, Permits local units to offer retirement or termination incentives to certain employees affected by regionalization of services.

2.6 Permit local units to “opt out” of Civil Service for purposes of interlocal and shared service programs.

A-258 of 00-01, Permits counties and municipalities to withdraw from civil service for purposes of interlocal and shared service programs.

2.7 Direct all State agencies to conduct a review of their rules and program requirements to identify those that restrict local shared efforts or cooperative activity.

Executive Order 88.

2.8 Administratively provide that appointment of a joint municipal court judge shall be by the Governor based upon nominations made by the municipalities operating the joint municipal court.

(No law, regulation or bill has been forthcoming).

2.9 Enact legislation to permit county governments and approved local cooperative pricing systems to establish programs similar to the State’s open-ended contracts.

(No law, regulation or bill has been forthcoming).

2.10 Provide clear statutory authority for counties to serve as facilitators of intermunicipal joint service efforts. Along with legislative authority, provide limited financial assistance to help counties establish offices of shared service facilitation.

(No law, regulation or bill has been forthcoming).

2.11 Statutorily require regular (at least annual) meetings between the governing bodies of adjoining municipalities, and between municipal officials and those of local school districts, authorities, and fire districts to discuss cost- saving efforts and possible shared services.

A-544 of 2000, Provides for annual meetings between school boards and municipal governing bodies to discuss finances.

2.12 Direct State agencies, including the Local Government Budget Review Program, to make personnel available upon request to assist local officials with planning new interlocal activities and evaluating the feasibility of shared service programs.

Executive Order 88.

2.13 Encourage local governments and school districts to make greater use of public-private efforts and the services available from non-profit organizations to help develop and implement regional and shared service efforts.

(No law, regulation or bill has been forthcoming).

2.14 Establish a statutory budget cap exemption for interlocal service agreements. Provide a positive cap base adjustment to reflect a fixed amount of the interlocal appropriation as an inducement to establish shared service programs.

(No law, regulation or bill has been forthcoming).

2.15 Revise the local budget law to permit budget transfers at any time during the budget year to fund new interlocal service agreements.

(No law, regulation or bill has been forthcoming).

2.16 Assume the costs of the county prosecutors’ offices and the costs of providing court facilities, including construction costs.

S-505 of 00-01, Requires State to reimburse counties for costs of county prosecutors offices.

A-1360 of 00-01, State assumption of county prosecutorial office costs.

S-2220 and A-3450 of 00-01, Creates the judicial and prosecutorial facilities construction assistance act.

2.17 Permit additional membership representation from participants in joint meetings established under the Consolidated Municipal Services Act, N.J.S.A. 40:48B.

P.L.1999, c.58, Facilities consolidation of municipalities and municipal services.

2.18 Condition financial assistance or State aid upon participation in shared or regional service activities.

P.L.1999, Chapter 156, Concerns special municipal aid and extraordinary municipal aid and conditions aid, in part, on a municipality’s opting for shared or regionalized services.

2.19 Amend the Municipal Consolidation Act to reduce the number of petition signatures.

P.L.1999, Chapter 58, implements recommendations of Property Tax Commission.

2.20 Amend the Municipal Consolidation Act to permit the creation of a municipal consolidation study commission by ordinance of the local governing bodies without the need for a ratifying referendum in each municipality

P.L.1999, Chapter 58, implements recommendations of Property Tax Commission.

2.21 Amend the Municipal Consolidation Act to lengthen the time allotted for filing the study commission’s final report to at least no later than Labor Day (rather than nine months after the election of the consolidation study commission). Consideration should be given to provide for a permissive extension (up to a maximum of one year), if desired by the commission.

P.L.1999, Chapter 58, implements recommendations of Property Tax Commission.

2.22 Eliminate the commission’s six month preliminary report and the Department of Community Affairs’ eight month evaluative review of that report.

P.L.1999, Chapter 58, implements recommendations of Property Tax Commission.

Chapter III

3.1 Implement the recommendations of the New Jersey Regionalization Advisory Panel’s January, 1998 report.

(No law, regulation or bill has been forthcoming).

3.2 Revise the funding mechanism for regional school districts to eliminate cost inequities and permit equal sharing of the benefits and cost savings possible from regionalization.

A-511 and S-128 of 00-01, Provides supplemental State aid to certain regional school district constituent municipalities to offset any tax increase associated with regionalization.

3.3 Direct the Commissioner of Education to develop a program to maintain and enhance local control of individual schools when districts regionalize.

(No law, regulation or bill has been forthcoming).

3.4 Keep authority and control over certain school-related functions now exercised by the local boards of education at the sub-regional level when school districts regionalize.

(No law, regulation or bill has been forthcoming).

3.5 Direct the Commissioner of Education to develop regional and shared service models for administrative and support functions.

Executive Order 88.

3.6 Conduct studies to identify and develop models of shared administrative and management positions.

Executive Order 88.

3.7 Help the county superintendents’ offices facilitate efforts to implement inter-district and joint pupil transportation services.

(No law, regulation or bill has been forthcoming).

3.8 Direct the Department of Education and the Department of Community Affairs to work jointly to encourage interlocal efforts between school districts and municipalities.

Executive Order 88.

3.9 Research and study current use of shared and regional approaches to general education and administrative services by local districts to identify suitable models.

Executive Order 88.

3.10 Help increase parents’ and residents’ involvement in the educational process and the affairs of neighborhood schools.

(No law, regulation or bill has been forthcoming).

Chapter IV

4.1 Prepare a guidebook for municipalities and counties to determine the true costs and benefits of development, including an “Economic Analysis Worksheet” and techniques for implementation.

(No law, regulation or bill has been forthcoming).

4.2 Provide planning board members with tools for understanding the costs and benefits of development and land preservation and provide financial and technical assistance to strengthen local planning.

(No law, regulation or bill has been forthcoming).

4.3 Enable municipalities to enact “timed growth” ordinances that advance the State Plan, as a tool to control property taxes.

A-426 and S-601 and A-3269 of 00-01, Authorizes timed-growth ordinances under “Municipal Land Use Law.”

A-3269 and S-496 of 00-01, Authorizes adoption of timed-growth ordinances by municipalities.

4.4 Support the use of impact fees to mitigate the cost of new development by providing additional revenue for schools, emergency services, and parks in areas that promote compact development.

A-1712 of 00-01, Authorizes assessment of development impact fees by municipalities.

4.5 Support the State Plan’s use by municipalities, counties, and State agencies as a means of holding down property taxes.

(No law, regulation or bill has been forthcoming), but DCA indicates it supports the State Plan’s use by municipalities, counties, and State agencies as a means of holding down property taxes.

4.6 Amend Council on Affordable Housing (COAH) regulations to ensure that practices do not initiate a development cycle or a ratables chase. For the next allocation cycle, develop COAH formula consistent with the State Plan.

(No law, regulation or bill has been forthcoming).

4.7 Support state funding for transportation, including mass transit, that meets local and regional needs.

A. Bills Introduced

1998-1999 session:

A 2330 Motor fuels tax, increase for transportation purposes

A 2404 Petroleum gross receipt tax – Transportation Trust Fund

ACR96 Motor vehicle fuels tax – dedicate for transportation funding

ACR124 Transportation funding – dedicate 1/2 cent sales tax

S1255 Motor fuels tax, increase for transportation purposes

SCR64 Motor vehicle fuels tax – dedicate for transportation funding

SCR65 Motor fuels tax- repair State transportation system

SCR67 Motor vehicle fuels tax – dedicate for transportation funding

A2984 County road project – eliminate State permit fee

A3628 State transportation system, improve local bridges

S1610 Statewide Transportation and Local Bridge Bond Act

S1745 County road project – eliminate State permit fee

S1848 Traffic control signals – DOT bear cost

S2295 State transportation system, improve local bridges

A95 Expand definition of Circle of Mobility

S161 Expand definition of Circle of Mobility

S194 NJT Corp., DOT property in lieu of tax payment

A2343 Transportation Trust Fund Authority – increase spending cap

A3567 Creates Local Bond Authority

S1609 Transportation Trust Fund Authority – increase spending cap

2000-2001 session:

A1673 Statewide Transportation; local bridge funds; $205 million

A2348 Transportation Trust Fund projects – concerns revenues

A2541 21st Century Transportation Trust Fund Extension

A2586 Congestions Relief/Transportation Trust Fund Act

A2715 Transportation Trust Fund Authority – concerns fund use

A3010 Amends definition of Circle of Mobility

A3188 Transportation Project Capital Fund – establish

A3350 Transportation district – concerns congestion relief

ACR18 Petroleum gross receipts tax – fund transportation

ACR40 Transportation funding – dedicate 1/2 cent of sales tax

ACR115 Petroleum product tax – dedicate to transportation

S26 Motor fuels tax, increase for transportation purposes

S705 Traffic control signals – DOT bear cost

S1488 Expand definition of Circle of Mobility

SCR7 Motor vehicle fuels tax – dedicate for transportation funding

SCR35 Motor vehicle fuels tax – repair State transportation system

A444 Create Highway Corridor Redevelopment Zone Comm.

A785 County road project – eliminate State permit fee

A2587 1999 Statewide Transportation/Local Bridge Fund; $150 million

A3181 Road repair grants – State, county, mun.; $45 million

A3286 Statewide Transportation, local bridge fund; $145 million

A3496 Local Bridge Bond Act of 2001

S813 State transportation system, improve local bridges

S1528 1999 Statewide Transportation/Local Bridge Fund; $150 million

S2106 Road maintenance, repairs – county, mun. $20 million

A3502 Concerns South New Jersey Light Rail Transit system

AR147 Local participation in RR Operations Act

AR157 Mass transit – DOT alleviate congestion

S239 Expands definition of Circle of Mobility

A1189 Creates Local Bond Authority

A3010 Amends definition of Circle of Mobility

B. Laws Enacted

P.L. 1999, c.181 Bridge Rehabilitation and Improvement Bond Act

P.L. 1999, c.147 Increase spending cap for the Transportation Trust Fund Authority

P.L. 2000, c. 11 Appropriates $205 million from 1999 Statewide Transportation and Local Bridge Fund

P.L. 2000, c.59 Expands definition of Circle of Mobility

P.L. 2000, c.73 Congestion Relief and Transportation Trust Fund Renewal Act

P.L. 2000, c.155 Appropriates $205 million from 1999 Statewide Transportation and Local Bridge Fund

P.L. 2000, c.53 FY 2001 Appropriations Act; appropriates $900 million from

Transportation Trust Fund for various State and local transportation projects

P.L. 1999, c.138 FY 2000 Appropriations Act; appropriates $900 million from Transportation Trust Fund for various State and local transportation projects

P.L. 1998, c.45 FY 1999 Appropriations Act; appropriates $700 million from Transportation Trust Fund for various State and local transportation projects

P.L. 1997, c.131 FY 1998 Appropriations Act; appropriates $900 million from Transportation Trust Fund for various State and local transportation projects

4.8 Support a stable source of funding for open space and farmland preservation.

On November 3, 1998, New Jersey’s voters passed Public Question No. 1. Article 8, Sec. 2. para. 7 of State Constitution dedicates $98 million in sales tax revenues for open space, farmland, and historic preservation.

Chapter V

5.1 Establish a county-based assessment structure with strong State oversight and involvement to provide an environment conducive to ongoing assessment equity.

(No law, regulation or bill has been forthcoming).

5.2 Mandate more frequent updates of assessment values by requiring assessors to use State-approved computer software.

(No law, regulation or bill has been forthcoming). However, see A-641 and S-995 of 00-01, that creates a “Task Force to Study the Computer-Assisted Mass Appraisal of Real Property; appropriates $100,000.

5.3 Establish a schedule for property visitation.

(No law, regulation or bill has been forthcoming).

5.4 Improve guidelines for assessment uniformity.

(No law, regulation or bill has been forthcoming).

5.5 Create a State-funded program to absorb increases in the local property tax burden for a fixed period of time.

(No law, regulation or bill has been forthcoming).

5.6 Guarantee the promised State incentive funding for the full five-year period, once local units agree to merge.

(No law, regulation or bill has been forthcoming).

5.7 Provide State funding to “hold harmless” local units that experienced a reduction in overall State aid funding as a result of the consolidation.

(No law, regulation or bill has been forthcoming).

5.8 Require municipalities participating in mergers to conduct and complete a revaluation prior to consolidation.

(No law, regulation or bill has been forthcoming).

5.9 Provide State funding of the revaluation relief credits that municipalities are permitted to offer property taxpayers under the Revaluation Relief Act of 1993.

(No law, regulation or bill has been forthcoming).

5.10 Use financial incentives and disincentives to encourage participation when there is only a small discrepancy between taxpayer assessments and current market values.

(No law, regulation or bill has been forthcoming).

Chapter VI

6.1 Fund an independent statewide analysis of the equity issues surrounding “circuit breakers” established along intergenerational lines and withhold new programs until completion of that study. (No law, regulation or bill has been forthcoming).

6.2 Enact Governor Whitman’s proposed legislation that would move local school board member elections to the November general election.

A-1721 of 2000, Provides for the election of school board members at November general election.

6.3 Amend state law (C. 40A:10-52) to remove the barrier prohibiting municipalities and school districts from joining together for the purpose of providing joint health insurance.

(No law, regulation or bill has been forthcoming).

6.4 Extend the open enrollment period indefinitely for municipalities wishing to enter the State Health Benefits Program (SHBP).

(No law, regulation or bill has been forthcoming).

6.5 Develop a mechanism which permits and encourages adjacent municipalities to share the ratables derived from new development with regional impacts beyond the borders of the host municipality.

(No law, regulation or bill has been forthcoming).

6.6 Enact legislation that will establish a system of multiple jurisdictional bargaining for public employees on a county, regional, or statewide basis.

(No law, regulation or bill has been forthcoming).

6.7 Enact legislation that will limit the annual growth in public employee salaries to the rate of inflation as measured by the consumer price index for the New York and Philadelphia areas.

(No law, regulation or bill has been forthcoming).

6.8 Examine the effectiveness of existing caps on budgets that contribute to property taxes.

(No law, regulation or bill has been forthcoming).

6.9 Examine the question of seeking voter approval of all budgets that contribute to property taxes.

ACR-80 of 2000, Proposed constitutional amendment requiring voter approval for any new tax or tax increase by any governmental unit.