Guide Me Home to North Jersey

Mountain View School in Mendham Borough has been selected as a “New Jersey Middle School to Watch” in the state’s selection of just THREE schools statewide. This program is used ‘to highlight middle schools that make an extra effort to support sustained learning.’ The school’s programs will now be shared with schools in New Jersey as well as on a national scale to promote inventive approaches to grade school, middle school, and classroom education that focus on creative models that help all students achieve better results.

The schools were judged on three sets of criteria:

Social equality - do the programs provide every student with high caliber teachers and resources and offer fair opportunities for all?; academic excellence – do the school programs challenge all students?; developmental responsiveness - are the programs perceptive to the unique needs and developmental challenges of early adolescence?

Posted by:Nicole Atorino

Just the other day, someone asked me what the difference is between a short sale and foreclosure. I thought that I should write a brief blog about the difference and some advantages and disadvantages about the two. As usual, please consult your lawyer or lending agency for all the facts pertaining to your situation as New Jersey rules and laws can vary from other states.

Briefly, a short sale is a sale of your home for less money than you owe your lender. This is also known as being “underwater.” However, you can not undertake a short sale without the permission of your bank or mortgage company. Permission to sell is granted based on many factors, such as hardship, and this must be clearly demonstrated to the mortgagee. Prior to this spring, short sales took a long time to complete, but new guidelines require that any offer must be accepted or rejected within 10 days by the banks. Conducting a short sale is much like a regular offering-your home is listed by an agent on MLS, potential buyers come and look at it and offers come in.

The biggest disadvantage is that your credit score will be affected, although not as badly as in a foreclosure. An advantage is that you will be able to purchase another home more quickly, often after 2 years. And, depending on your particular circumstances, the lender may require payback of the shortfall amount.

A foreclosure procedure is caused by an inability to keep up with mortgage payments. In this case, the borrower/homeowner gives up rights to the home through a complicated legal process that varies from state to state, and ultimately, the mortgagee owns the property. At that point they are able to sell it and try to regain whatever losses that occurred.

Dramatic drops in credit scores as a result of foreclosure are the biggest disadvantage. This could remain on your credit report for many years. The ability to buy another house could be severely postponed for many years as well.

Certainly, the best piece of advice for anyone is to consult a lawyer about your options and possible results. If you are in a short sale, a real estate agent experienced in dealing with short sales will be a major help in guiding you and getting all the paperwork done correctly and in a timely manner.

Posted by:Mary Jane Benedetto

Last week I described what a septic system is and how it works. This week I’ll discuss proper care and management which should extend the life and function of a system. Regular maintenance requires pumping the system to remove the sludge. This is recommended to be done on a regular basis. How you use and treat the system, the number of people in your household, and other factors can result in a range of maintenance time frames. Some companies recommend that if the sludge and scum is equal to one third of the tank capacity, it’s time to pump.

Remember: The goal is to maintain the organic organisms in the system that break down and absorb the waste. Excessive use of caustic cleaners can compromise your system. Warning signs of potential problems can be excessive water around your system or sinks and toilets backing up. The system ultimately disperses the treated water into the soil, so it’s crucial that it is in proper working order from a health and safety standpoint.

Here’s a short list of what not to do:

• Don’t use a garbage disposal.
• Don’t dump oil and grease down the sink drain.
• Don’t flush non-biodegradable items down the toilet. This includes disposable diapers, cat sand, and paper towels.
• Don’t take long showers or do many loads of laundry each day.
• Don’t pour paint, pesticides, and other toxic or hazardous substances down the drain.

Some other things to watch out for are:

• Drainage of surface water over the system area.
• Landscaping or planting trees over the system as the roots can grow in and clog or rupture the field or tank.
• Leaky faucets or sinks.
• Improper design or installation of the system in addition to poor soil that doesn’t allow proper drainage.
• Creation of an impermeable cover (such as a parking area) over the system area.

An extensive explanation of the entire process can be found at www.nj.gov or www.state.nj.us.

Always work with a reputable professional whether doing maintenance as a homeowner or conducting an inspection of the system as a potential buyer. Whether buying or selling, an efficient and safe system goes a long way towards maintaining your home’s value!

Posted by:Mary Jane Benedetto

If you are looking to buy a home in areas within Somerset, Morris or Hunterdon County you may find that the home you love uses a septic system instead of a sewer line. If you are selling in these areas, your buyer has the right to conduct an inspection of the system and the results can have an impact on the sale.

A septic system is located on your property and you are responsible for it. The rules concerning allowable size, design, and construction are governed by the Standards for Individual Subsurface Sewage Disposal Systems, N.J.A.C. 7:9A (aka Chapter 199). The Department of Health is responsible for enforcement of this in each township.

The typical septic system is made up of 4 main components: the pipe from the home, a septic tank, a distribution box and the drainage field. Its design and positioning will depend on your property’s characteristics.

The tank can range between 1000 and 2000 gallons, and is typically made up of 1 or 2 chambers with1 or 2 manhole covers. Townships and municipalities will have specific regulations regarding the size and layouts. The overall size is mandated by the number of bedrooms in the house.

The initial reduction of waste happens in the tank. The solids settle and should be anaerobically digested creating sludge, and the liquid ferments flowing out of baffles into the distribution box. This box evenly distributes the flow of the liquid throughout the drainage field.

The next component is the leach or drainage field. The liquid flowing to the field passes through pipes that are perforated and then is eliminated by physical, chemical and biological processes into the soil.  At that point, the water is purified.

An extensive explanation of the entire process can be found at: http://www.nj.gov/dep/dwq/pdf/septicmn.pdf or http://www.state.nj.us/dep/dwq/owm_home.htm#works.

Whether you are buying or selling, it’s best to know about the components and their importance to the overall function of the system. Next time, we will talk about the maintenance of your system and why it’s important.

Posted by:Mary Jane Benedetto

New Jersey Monthly Magazine has just published its “Best Places to Live 2010” article, and Chatham Township is ranked #2 (Bedminster Township is ranked #1.) The data is compiled by Monmouth University’s Polling Institute. They consider eight categories which best represent the quality of life in New Jersey’s 566 municipalities: population growth, home values, property taxes, land development, employment, crime rate, school performance, and proximity to services. Household income was not included, and home values were measured by the rate of increase or decrease over three years rather than by current prices.

In March of 2008, New Jersey Monthly Magazine ranked Chatham Township #1 once again. James O’Neill, the Superintendent of Schools for the School District of the Chathams, was quoted as saying “Chatham is a very unique place to live … there is a disproportionate number of terrific kids and talented teachers …and dedicated parents who spend an inordinate amount of time supporting the district. Chatham schools excel in academics, in the arts, and in athletics.”

The State Department of Education released its “School Report Card” on February 9, 2010, and once again Chatham schools came out on top. Chatham High School - a nationally ranked “Blue Ribbon School” - had the top SAT (Scholastic Aptitude Test) scores in Morris County, and ranked 22nd in the state.

Even CNN’s Money Magazine was impressed with Chatham – in 2005 - naming the combined towns of Borough and Township the ninth best place to live in America! With the opening of New Jersey Transit’s Midtown Direct train service to Manhattan in the late 1990s, land values in Chatham shot up.

Chatham continues to be recognized as one of the top towns in New Jersey, and a great place to live!

Posted by:Cynthia Edgar

The Mendhams and Morris County have had tremendous foresight in setting aside preserved land over the last several decades. One of the most rewarding benefits is a system of hiking trails that might be the best in New Jersey. All are open to foot and horse traffic. Trails owned or maintained by Morris County almost always allow mountain bikes as well. None are open to motorized traffic.

Winter trails can be especially rewarding, with long views of vistas and wildlife with the leaves off the trees. After our ample recent snowfalls, snowshoes and cross-country skis add to the fun. There are many parking spots at trail access points, and most are quickly plowed out after storms.

Stay tuned for detailed information on individual trails in future blogs.

Posted by:Brian Hays

The Mendham Junior Women’s Club (MJWC) will hold a membership drive with a ‘Girl’s Night Out’ at Jane’s Nails, Main Street, Mendham on Thursday, February 24th at 7:00 pm. Come out and get a manicure, pedicure and have a glass of wine while you learn about the exciting things they have lined up for this year.

The MJWC is a great way to get involved in the community and meet some fun, interesting women. Founded in 1957, the non-profit organization has brought the young women of Mendham and the surrounding areas together to host educational, charitable and civic activities. When I first moved into town, I found the MJWC a terrific way to meet like-minded moms. It was a great way to combine the need for a social outlet with the satisfaction of community service. Between the many community based events, from running the sack races on Labor Day to hosting our annual blood drive, I fostered a real connection to our town and the needs of others, while making some great friends in the process!

Posted by:Nicole Atorino

In these uncertain political and economic times, it is not unusual for the stress of life to start to get you down. Families and individuals are under more pressure to keep it all together and stay afloat. The demands of work and school, as well as social pressures, can leave anyone feeling overwhelmed.

Kathleen Andrews, a licensed clinical social worker with a MA in Social Work, is the mother of two boys who lives in Mendham and has started Therapy-Core, a private counseling practice that has two main areas of focus. Through individual therapy, offered to children, teens or adults, Kathleen hopes to offer some relief of some such issues as stress, anxiety, anger, and sadness, and assist with living a more rewarding life.

In couples therapy, Kathleen tries to deal with specific issues like communication, financial conflict, family values, intimacy or parenting issues, to name a few.

With offices in Morristown, Cedar Knolls and Chatham, she is easily accessible. Check out her website/blog above or call 973-270-5757 for more information.

Posted by:Nicole Atorino

Since declines in home prices have resulted in increased appeals for property assessments, both Mendham Borough and Mendham Township have done a reassessment of all properties.

The result should be greater fairness for all residents. However, lower assessments do not mean lower taxes. A new tax rate will be established by the middle of the year, and the expectation is that the average tax bill will be no lower, and will probably be modestly higher. The total cost of running government and schools tends to increase each year, and that cost has to be apportioned.

The deadline has passed for appeals of the new assessments directly to the firm that did the work. However, appeals to the county, which normally must be filed by April 1st, can be filed up to May 1st.

Posted by:Brian Hays

The spring 2010 Real Estate market is upon us. If you are a buyer or seller, you are probably asking whether to buy or sell now or wait. The real question is: how will the price of homes and interest rates be affected by the following combination of circumstances:

• The expiration of the first and repeat home owner’s tax credit (April 30, 2010.)
• The expiration of the Fed program which protected interest rates by purchasing mortgage backed securities (March 30, 2010.)
• The current foreclosures on the market and the rising delinquency rates (3.5 million in January 2010 vs. 2.8 million in January 2009 according to Fox News RealtyTrac report).
• The increased number of bank owned properties coming on the market.

Supply and demand is clearly at play here. Steve Harney, the nationally recognized real estate guru of Keeping Current Matters, recommends in his January 26, 2010 article, to buy now if the Feds let the current tax credit program expire. He also recommends selling now while demand is still high. We saw what happened to the demand in November when the first tax credit expired, pending sales fell by 10%. In addition, Harney says, prices are projected to fall and not regain footing until 1st quarter 2013. As for mortgage rates, 5 of the top economic publications such as HSH & Associates, Moody’s, Washington Post, Barry Habib, and Morgan Stanley all project rates will rise to between 6% and 8%.

Why is all this important? There is a definite relationship between mortgage rates and home prices. Generally, for every point the mortgage rates increase, the value of the house you can buy is reduced 10%. For example, if you wish to take out a $200,000 loan at 5.0%, your monthly mortgage payment will be $1,074. However, if you borrow $200,000 at 6% your monthly mortgage payment will rise to $1,199. To remain at $1,074, the value of the house you can purchase must be reduced to $180,000.

It becomes clear that the time to act is right now. All the positive forces in the market right now (low interest rates and the 1st time and repeat homeowner’s tax credit to highlight the most important), make this a great time to buy or sell. Let’s talk before interest rates dramatically rise reducing your ability to buy or sell the most house for the best price.

Posted by:Mary Jane Benedetto

It’s hard to think about summertime when it’s 25˚ outside, the wind is howling and there are a few inches of snow on the ground, but now is the time of year that many summer camps and programs begin registration. Depending on where you live, there are several good programs to choose from. Here are some of my favorites in the North Jersey/Mendham area:

Schiff Summer Nature Program - Schiff Nature Lands Trust in Mendham, NJ

Children ages 6 (entering first grade) to 12 are given the opportunity to play, explore and learn while developing a sense of community, self confidence and appreciation for the natural world. With almost 600 acres of forest and meadow and 14 miles of hiking trails, projects are designed to motivate and inspire as well as encourage environmental awareness. The Schiff Summer Program is a local favorite which often boasts a waiting list. For more information, visit their website or call 973-543-6004.

Art of Dance, Summer Dance Intensive - Chester, NJ

The Art of Dance features the most up-to-date dance styles and currently performing teachers. Dancers aged 5-20 can choose from a variety of dance styles that run in one or two week sessions. Whether you are a beginner or advanced dancer, you will be excited and motivated by this camp experience. For more information, visit their website or call 908-879-4919.

Oasis in Madison - Drew University in Madison, NJ

Oasis offers an amazing summer experience for children ages 4-11 and teen travel for ages 12-14. This camp offers sports and recreation, visual and performing arts, swimming, field trips and so much more. Visit their website or call 646-519-5059 for more information.

Junior Golf at Clubhouse Golf Center - Randolph, NJ

Individual instruction and lesson packages are available at the Golf Center. Camps and clinics are offered for ages 6-16 and all levels are welcome. Check out their website, or call 973-584-1504.

Gill St. Bernards Summer Programs - Gladstone, NJ

The beautiful 72 acre campus offers a wide variety of exciting and challenging opportunities for children aged 3-17. With over 41 years of well-supervised, creative camping there is something to keep every camper happy. The Hi Hills Camp is located here too.

There are so many options out there today to fit the needs of kids and parents. Don’t forget to check out your own local recreation departments and town clubs for summer programs as well.

Posted by:Nicole Atorino

In New Jersey, as part of the inspection process, homes are tested for radon. Radon? Most people are unaware of what it is as it is something that can’t be seen, tasted or smelled.

Radon is an odorless, colorless, radioactive gas that is the second leading cause of lung cancer in the USA, according to the Surgeon General. Based on that, you naturally will want to know what the level is in your new home, but even if you aren’t moving, it’s best to test if your home has never been tested.

Radon occurs naturally as a result of the breakdown of uranium and can come into the home through small cracks in the foundation, openings around pipes or pits. Levels of radon in geographical areas can vary, and even fluctuate, from home to home in any given neighborhood.

Radon is measured in picocuries per liter (pCi/L). Testing is easy. It can be done either with a do-it-yourself testing kit or by a professional. If, after testing, your home has a level of 4.0 pCi/L or above, “the U.S. Environmental Agency (EPA) and the N.J. Department of Environmental Protection (DEP) recommend that you take action to mitigate your home if your test results indicate radon levels of 4pCi/L of radon or more”.

First, you need to find a qualified radon mitigation expert. You can call the state for a list, or go online at http://www.njradon.org . Speak to several, and then choose the company that best suits your needs. The EPA website offers a “Consumers Guide to Radon Reduction: How to fix your home” that has a great checklist of questions. It is relatively easy to fix (think new roof or replacement windows.) The process is one of two types: preventing it from entering the home or removing it once it enters. Again, the EPA website has a clear explanation of what can be done. Remember to retest once the mitigation is complete.

Still have questions? If you are buying or selling a house, Turpin Realtors has a booklet that can describe environmental issues for home buyers and sellers prepared by the New Jersey Association of Realtors.  You can also call the Radon Hotline 1-800-SOS-RADON.

Posted by:Mary Jane Benedetto

There’s a good argument that the next several months might result in the best sales price you’re likely to see for a few years.

Although the price trend for homes has been down for some time, it’s likely to continue for at least the rest of 2010. There is heavy supply now plus a “shadow supply” of homes temporarily taken off the market out of frustration, and then a backup of foreclosures that has resulted from a failed government program to prevent foreclosures.

Also, mortgage rates are being kept artificially low by a Federal Reserve program due to expire next month. Even if it’s extended, it won’t be for long, and then mortgage rates will climb, making it harder for buyers to afford the payments.

Some respected housing experts believe that prices could fall another 10 percent this year, and then recover only at the rate of inflation. If that turns out to be true, it would take a MINIMUM of three or four years before prices get back only to where they are today.

So if you’re thinking about selling your home in the next few years, it’s at least worth exploring the possibilities now.

Posted by:Brian Hays

It is with great excitement and enthusiasm that I announce the opening of our new office located at 186 Main Street in beautiful Chatham, NJ. We are located in the heart of the historic downtown right next to F. Gerald New and in the same building as Cambridge Street Papers, two wonderful, locally owned shops.

We have long recognized the potential for Turpin Real Estate in Chatham as so many of our clients moving into the Somerset Hills have come from this area.  As the number of transactions our agents have had in the Chatham and Madison area have steadily increased over the past few years the notion of opening a Chatham Turpin office has become more and more appealing.

Our core group of experienced agents staffing the office includes Susan Barba, Cindy Edgar, Lois Olmstead and Ted Zeller, all of whom are intimately familiar with the area, having either lived in Chatham or currently living in the immediate area.  As the office manager of our newest office, I am thrilled to bring the high level of client service and creative marketing programs that have been our company’s hallmarks for a half century to the Chathams and surrounding towns. Give us a call at 973-635-5555, or stop by!

Posted by: John Turpin

Many people start off the New Year determined to restart their fitness program. There are many options from the traditional gym to specialized programs such as pilates, yoga or the bar method.

Somerset Hills YMCA-140 Mt. Airy Rd. Basking Ridge NJ 07920 908-766-7898

Madison YMCA- 111 Kings Road, Madison NJ 07940 973 377-6542
In addition to the gym, these YMCA facilities offer a pool, childcare and numerous programs.

Lotus Mind and Body- 165 Morristown Road, Bernardsville NJ 07924 908-766-9642
Recently opened next to Turpin Realtors, this studio offers yoga and pilates classes.

The Bar Method- Opened recently in the Bernardsville Kings shopping center, 80 Morristown Road, Bernardsville, N.J. 07924 (908)766-4433

They also have a location in Summit, NJ.  Started in Connecticut in 1991, this has become a popular place to shape up.   “The Bar Method™ workout creates a uniquely lean, firm, sculpted body by combining the muscle-shaping principles of isometrics, the body-elongating practice of dance conditioning, the science of physical therapy and the intense pace of interval training into a powerful exercise format that quickly and safely reshapes and elongates muscles.”

 The Chatham Club- 484 Southern Boulevard, Chatham, NJ 07928-1406 973-377-1900
A traditional gym offering childcare, personal trainers, various classes including pilates, fencing and karate, squash ball courts and a sports medicine facility.

Powerflow Yoga- locations in Chatham and Livingston
Powerflow Yoga is a hot yoga studio inspired by a variety of different yoga styles which are incorporated into a heated vinyasa flow.

Posted by:Nadine Gelinas-Coffey