New Jersey’s Tax Exemption And Abatement Laws

P.L.1991, c.431 with final retroactive amendments effective August 5, 1992 consolidated, into one more flexible law, the various long term tax exemption laws under which municipalities may agree with private entities to undertake redevelopment projects in return for tax exemptions.

P.L.1991, c.441, effective for the first full tax year commencing after its January 18, 1992 enactment, consolidated the various five-year tax abatement and exemption laws into one, more standardized law to govern all tax abatements and exemption regardless of the type of structure.

Long Term Tax Exemption Law

Prior to 1993, which was the first full year of operation governed by the new Long Term Tax Exemption Law, under the provisions of N.J.S.A.40:55C-40, the “Urban Renewal Corporation and Association Law of 1961,” commonly known as the Fox-Lance Act, a qualified municipality (a municipality with “areas in need of rehabilitation”) could abate from 15 to 20 years the taxes on newly constructed industrial, commercial, cultural, or residential projects of a corporation, with profits in excess of the limited profits returned to the municipality, or from 30 to 35 years for condominium projects. Condominium projects were given 30 to 35 years in order to provide a realistic period for permanent financing. Also, prior to 1993 under the provisions of N.J.S.A.55:16-1 et seq., the “Limited-Dividend Nonprofit Housing Corporation or Association Law,” a qualified municipality could abate for up to 50 years the taxes on newly constructed housing. Further, under N.J.S.A.55:14I-1 et seq., a qualified municipality could abate for up to 50 years the taxes on newly constructed senior housing. Lastly, prior to 1993, under the provisions of N.J.S.A.40:55C-77, the “Urban Renewal Nonprofit Corporation Law of 1965,” basically the same types of properties and projects as the Fox-Lance Act could be abated for 20 to 25 years with all profits being returned to the municipality. In all cases under these property tax exemption laws in-lieu of tax payments were required.

Commencing in 1993 the provisions of N.J.S.A.40A:20-1 et seq. permitted a qualified municipality to abate the taxes on properties and projects in the same way the pre 1993 law did with the following notable exceptions:

A new, flexible in-lieu of tax formula was established with a phasing-in of payments in-lieu of taxes to occur under both the percent of gross rental formula and the percent of total project cost formula.

The formulas for computing payment in-lieu of taxes for both office projects and housing projects were changed. The minimum annual service charge for office buildings was reduced from 15 to 10 percent of the annual gross revenues of the project or units of the project. Municipalities retained the option of computing the payment in-lieu of taxes at no less than 2 percent of the total project cost or total project units cost. For housing projects the annual service charge was changed from a minimum of 15 percent to a maximum of 15 percent of annual gross revenue of the project or from a minimum 2 percent to a maximum 2 percent of the total …

Top 3 Ways to Create Political Slogans That Win!

Political slogans can be an integral part of your campaign’s communications effort. Slogans present an easy-to-remember way to present your candidate’s name and message to the electorate. Ideal political taglines should be pithy and memorable, utilize the candidate’s name, and tie directly to the campaign’s message:

1. Make it Memorable

If your political slogans aren’t memorable, then… well, then no one will remember them.   That goes without saying, right? Make your slogans memorable by making them short and pithy. Try using alliteration (starting several words with the same letter) or the “rule of three.” This rule says that things are more easily remembered when they are presented in threes. (For example: Arlen Specter for District Attorney: He’s Smart, He’s Tough, and Nobody Owns Him…) Using three short, punchy phrases is a way to make your slogan very memorable.

2. Utilize the Candidate’s Name

Every slogan should use the candidate’s name as a central part of the tagline. What good is a political slogan if it doesn’t help the voters remember the candidate’s name? For example:

John Smith for Alderman. No One Cares More about Our Schools.

Clean Streets, Safe Neighborhoods. Ralph Major for Mayor.

Too many campaigns have really catchy slogans that don’t use the candidate’s name. Don’t make this mistake. Always put the candidate’s name front and center in your political slogan.

3. Tie Your Slogan to the Campaign Message

How should you decide what your campaign slogan should be? The first step is to review your campaign message – what is it that you most want the voters to remember about your campaign? What sets your candidate apart from “the other guy?” Take that issue (the “message” of your campaign) and use it to craft your slogan.

For example, if your message revolves around lower taxes, then so should your tagline.  If your message centers on building new schools in your town, then your tagline should focus on education.

When building your political slogans , remember to make them memorable, use the candidate’s name, and tie your tagline as closely as possible to your campaign’s message. Then, test your slogan by running it by as many voters as possible (both supportive and non-supportive) as possible to see what they think. Make some revisions, and then go with it. 

Well crafted, well thought out political slogans can and should form an integral part of your overall campaign communications strategy.…

O P Bhatnagar – A Poet of Political Awakening

O P Bhatnagar is one of the most leading voices of Indian English poetry whose collections Thought Poems (1976), Feeling Fossils (1977), Angels of Retreat (undated), The Audible Landscape, Oneric Visions, Shadows in Floodlight (1984) and Cooling Flames of Darkness (2001) bespeak of political consciousness of the poet. As it is clear cut fact that Indian English poetry can never stay away from the socio-political atmosphere of India and poets who do not write under a single formula but rather start a dialogue between ‘man and man’ so Bhatnagar too deals with a number of issues of our society and politics. Dr. A.N. Dwivedi comments:

“Bhatnagar’s poetry comprehends a great variety of themes which directly focus on the long ness of his experience and the solemnity of his involvement in the affairs of life.” (CIE217)

Bhatnagar’s tackling of political theme is more firm and larger than any other Indian English poet for he has touched almost all the aspects of political scenario. Dr.V.K.Singh observes:

“We find in Bhatnagar a frank analysis of the facts of contemporary life. Bhatnagar descants upon myriad aspects of political life as existing currently. No salient feature escapes his keenly discerning eye. Bhatnagar rips open the bosom of several political riddles. He mirrors before us what is what of all political problems.” (152)

Themes like election, bribery, corruption, criminalization of politics, rampant bribery among the leaders degrading character of national leaders, division of society by communalism, castism, linguism, and regionalism etc and the utter loss of values in politics are touched by the poet in a remarkably sensitive and superbly sarcastic way which is still not being surpassed by any poet of Indian English Poetry. His assertion that ‘Indian Poetry in English has to be Indian’ cannot be overlooked if we aspire to promote Indian Literature. Merely copying and coping with the English and English Literature is insufficient because Indian sensibility is not suffering with the penury of thoughts, emotions and sensibility and because it has its foundation vitality and voice of potentiality. Dr. R.C. Sharma is right when he says:

“The reason why Bhatnagar advocates making Indian Poetry in English is beset with conflicts and concerns; and these conflicts and concerns are basically Indian. Bhatnagar is conscious of the milieu in which the Indian poet in English lives as well as of the duty which the Indian poet in English has to perform.”(79)

O.P.Bhatnagar has dealt with a number of themes like social consciousness, political awareness, love, nature, philosophy and Indianness. According to Dr. A. N. Dwivedi:

Bhatnagar’s poetry comprehends a great variety of themes, which directly focus on the largeness of his experienceand the solemnityof his involvement in the affairs of his life. (CIE,217)

In this way Bhatnagar understands the tempo and temperature of his times and accordingly orchestrates his poetry. Bhatnagar’s dealing with the theme of politics is myriad and real. The various social problems that agitate the conscience of man are the subjects of his poetry and he tries to throw a …

Medicare & Medicaid Doctor Directory – How to Find Doctors Who Accept Medicare and Medicaid

If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.

Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.

Not only that, but private insurers are not longer willing to “subsidize” public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.

As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.

There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.

So, how do you find a doctor that will take new Medicare/Medicaid patients?

Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.

To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.

You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.

Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.…

Shouldn’t Elected Officials SERVE Constituents?

Nearly every poll, indicates the public, regardless of their political affiliation, beliefs, or socio – economic status, has a somewhat negative perception, and opinion, of most of their political, elected officials. They witness, what appears to be a need for common sense, and actions taken, are totally, to the contrary! One would think, for example, the party with control of the Executive branch, as well as both houses of Congress, would be introducing solutions, which serves needs of their constituents, rather than focusing on politics – as – usual, which is why, there is such a negative perspective, in the first place! After months, for example, of introducing extremely unpopular legislation, regarding health care, rather than evaluating why, it still fails, and attributing blame, shouldn’t they see, how they might fix and tweak the existing law, and truly serving the needs of the nation, and voting public? This article will briefly review, using the mnemonic approach, what it means, and why. public officials, should SERVE constituents (and their needs), rather than playing party politics!

1. Stronger; sustainable system: The first consideration should, consistently, be, whether any changes, will focus on making the nation, stronger, and best serve, the interests of their constituents! Far too often, we witness, quick fixes, which politicians believe are popular, rather than conceiving of, creating, developing and executing the best plan/ approach, to achieve a quality, priorities – based, sustainable system!

2. Energize; emphasis; excellence: How will you achieve what needs to get done, if you fail to motivate and energize, those you are elected to represent and serve? Will your emphasis be, on needs, priorities, perceptions and goals, or politics – as – usual? Will you strive for excellence, or settle for good – enough?

3. Reality; relevant; rational; rationale: Why do so few politics, make the jump/ transformation, to true statesmen, after they are elected? Why do so many seem to avoid reality, rather than face the facts, and develop solutions, to obstacles, needs and challenges? We need individuals who are rational, quality thinkers, as well as willing to thoroughly, explain their rationale, not merely to their satisfaction, but to, that, of those they represent!

4. Views; vibrant, vital vision: Examine whether your representative appears to possess any original views and/ or ideas, or focuses, primarily on toeing the party – line! We should seek individuals with a vibrant, vital vision, focused on addressing needs, goals and priorities!

5. Empathy: How often do we witness, someone, willing to listen more, and speak less. Taking an in – depth view, trying to better understand and relate, and creating an approach to address these perceptions, etc, positions an individual, to possess the necessary, but rarely witnessed, empathy!

Demand your public officials SERVE those they represent, and not their personal political strategy! Why is this, so rare?…

STEEPLED Analysis Made Easy

It seems to be impossible to survive in a modern business without performing a deep analysis of company position in internal and external environment, strengths and weaknesses, a number of factors that are said to have either direct or indirect influence on business performance. It is impossible to run business with your eyes closed without being aware where you’ll be in the near future. Of course, it is impossible to envision all problems and challenges that business owners, shareholders and top managers may face. However, it is quite possible to evaluate company position and to present time and thus make forecasts as to possible problems that the company will face in future. Solving problems before they occurred is a part of strategic planning to which is impossible without performing thorough analysis. There are various analysis types that are used for different purposes. Some of them evaluate current performance in order to a few immediate goals while others work in the long term. In this article will talk about analysis that covers most important aspects and environments any company is operating in. STEEPLED analysis is an extended version of PEST and PESTEL analysis types that a quite popular throughout various industries. Now let’s analyze STEEPLED analysis and give a brief characteristic of its each element.

STEEPLED is abbreviation for Social, Technological, Education, Ethnic, Political, Legal, Economic and Demographic factors. As already said above, this is an extended modal of PEST and PESTEL analysis, and thus, it covers more factors, consequently offering top managers and business owners and more complete information. What do these factors mean?

Social factor is focused on following social trends and tendencies, as well as attitudes and contact patterns. Every business is an inseparable part of the society and thus it should function according to social rules and norms. Companies should take advantage of social trends to make profits. Technological factor perhaps requires no explanation. It is evident that in order to achieve success in any business and industry it is imperative to make an effective use of the latest technologies and innovation. The recent success of world famous IT companies is a vivid example. Education factor covers all training and coaching issues. It means that company personnel should be constantly developing and improving knowledge and skills. Company top managers and owners must understand that qualified and loyal personnel is the most valuable capital they have. Ethnic factors are extremely important in multinational societies. It also plays a great role in human resource management were discrimination must be avoided. As to political factor when she did meet that politics plays a great role in social live and influences economic performance of the country. That’s why it is imperative to keep track of political developments and events in order to forecast possible economic changes. Economic factor is probably the most important and substantial since every business operates in a certain economy. Weak economies do not offer great opportunities for business growth. Finally, demographics factor is to be properly evaluated …

What Is Bitcoin And How To Learn About It?

Bitcoin is a decentralized digital currency which is owned by none. Government has no control over it. It uses peer to peer networking and cryptographic proofs to operate the system. The system is controlled and made fraud free by recording transactions in block chain, a public history record, once they are validated with a proof of work system.

The network began operating in 2009 and is a concept involving virtual currency which has no link to government regulated currency. The Bitcoin system has few advantages like:

• It is less expensive to operate and use this virtual money.

• It can be instantaneously transferred throughout the world and there will be no transaction fees. Moreover, you can use it and transfer it anonymously as well.

• Like other currencies, the quantity of this virtual money is fixed and no one has the right to create new Bitcoins. However, people can mine Bitcoins but there is a limit to it and mining Bitcoins is not at all cheap.

• Bitcoin is an independent currency; no organization has any control over it

• It is a democratic currency.

• It is the digital equivalent of something of value.

• As it uses a digital medium, it has the potential to become even more valuable than gold.

How to Learn About Bitcoin Conveniently

You can learn about Bitcoin from various sources on the internet. You can check blogs, magazines, articles etc. Internet is a very good source for a newbie to learn more about Bitcoin. Through blogs and forums, you’ll learn technical, economical and political issues related to the Bitcoin system. These mediums are rich source of information and you can learn everything about this virtual currency. Furthermore, even if you are already in the system and know quite a lot about how it works, you can stay updated on every news and issue about the new digital currency system. It’s also wise to get registered on related forums and start discussion with the experts. Post threads and ask whatever you are unclear about. Many forums also have blog section where experts post informative articles. This is the best learning source as you get benefited from other’s experience.

The digital system of Bitcoin currency seems complicated to those who know nothing about it and most people find the concept hard to grasp and trust. It will not take long before people start accepting and then adopting to this virtual currency system, which is more secure, open and independent.…

The Law And Its Branches

Law is said to be the ultimate science. Law keeps societies functioning and in order. It is one of the most basic social institutions of society and without it society would destroy itself. Laws tell the members and governors of society about the manner in which they must act. These rules are enforced by police forces. Laws can be changed by popular demand or by the government. Lawyers and judges interpret the law and they’re duty is to act as an intermediary between the people and the law.

The law is divided into two main branches. These are – Public Law and Private Law. These two branches can be divided further but the distinction between the branches of private and public law is very small. The branches often overlap and it is only by convention that the branches exist.

The branches of public law are as follows:

1. Criminal Law: deals with crimes. These crimes can range from theft to murder. The laws under this section define the offences, states the rules of arrest, and the possible punishments. In most countries laws are defined by the constitution and the central or federal government. However in some countries like the United States, states have their own laws as well.

2. Constitutional Law: defines the rules and code of conduct for the government and its various departments. It also states the most basic rights of the people. These rights such as freedom of speech and freedom of religion are guaranteed to all citizens of that country. These rights are upheld by the courts throughout the country.

3. Administrative Law: governs the operations of government agencies. These are the agencies that regulate various aspects of our lives like banking, communications and trade. It also includes social welfare programs, social security and insurance.

4. International Law: This law is meant to make dealings among nations easier. This law is more like protocol and is very hard to enforce.

The branches of private law are as follows:

1. Contract and Commercial Law: These laws deal solely with matters that involve contracts among people. By definition a contract is a legal agreement among persons or people. Contracts are needed in order to carry out daily business. Disputes arising from contracts are dealt with under this section of the law.

2. Tort Law: These laws deal with injuries caused to a person by other individuals or companies. This includes the illegal use of a person’s property such as his or her name.

3. Property Law: As the heading suggests this section deals with the ownership and use of property. This property could anything from a building to a car.

4. Inheritance or Succession Law: These deal with the rights of inheritance of property. These laws are different in all countries.

5. Family Law: These govern the legal aspect of the family, such as the rules of adoption, marriage, divorce and child support.

6. Corporate Law: deals with business and stockholders. This branch is often classed together with …

Government Auto Auctions – The Disadvantages

At government auto auctions you will find great deals on hundreds of cars. The cars include those owned and no longer used by government agencies as well as those cars seized under certain forfeiture and seizure laws. Every week hundreds of cars with starting prices of $200 are available including models from Mitsubishi, Toyota, Cadillac, BMW, Ford, GM, Nissan, Honda, Chrysler, Lexus and others.

The government’s eagerness to quickly sell off its car inventory is an advantage that cannot (or at least should not) be overlooked by any serious car buyer looking for a great deal. Fortunately for buyers, the goal of the government is to dispose of the vehicles it no longer needs as quickly as possible at almost any price. Anything is better than storage and maintenance expenses. Like most things in life, however, when buying a car at a government auto auction, there are disadvantages as well as advantages. Below are some of the disadvantages.

1. Selling Terms – Auctioned cars are all sold “as is.” After buying one, there is no opportunity to complain about its condition, to exchange it or to ask for a refund. Therefore, as when buying any used car, take the time to inspect the vehicle’s condition as much as possible and learn as much about the vehicles that you are interested in before you go to the auction.

2. Intimidating – When you attend your first government vehicle auction, it may seem intimidating, However, as with most endeavors, those feelings diminish with each additional visit. It may be worthwhile to attend one or two practice auctions to become comfortable with the process. You may also pick up valuable information concerning price and condition before attending by keeping track of on-line car auctions.

3. Time – Searching for the government car auction in your area, registration, preliminary checking, attendance, and getting all the necessary paperwork done after purchase may take up to a few weeks. Again a practice run or two may help streamline things for you.

4. Pressure – Unlike buying a car through a private party or dealer, there is not a lot of time to consider all the facets of the deal. You must often fly by the seat of your pants, make quick decisions and hope for the best. Gathering as much information as possible in advance concerning the auction process and the cars that you are interested in bidding on is key.

5. Vehicle Inspection – While most government auctions provide an opportunity to make a visual inspection of the cars for sale, you are not going to have an opportunity to take it to your mechanic for a comprehensive inspection of the mechanical parts. You can offset some of this concern by (a) bringing a knowledgeable mechanic with you or (b) having someone available at home who can get a history report of the car using its Vehicle Identification Number (VIN).

As always, the more information you have the better. Arm yourself with good information before …

Maintaining Law and Order in a Society

For maintaining law and order in a society, there must be rules that should be followed so that the ones which have done the wrong deeds in their lives get their reward. Many ways are always present to bring a person to the pleasant life although he has done wrong deed but punishment is not the solution always. Careful planning and observations sort the ways that ask the offenders to come to the right path.

Training of the persons who maintain law and order in the society is the compulsory part of it. There are such areas which should be trained before enforcement.

What law enforcement departments do to enforce people to be in the limits and follow the laws made by these departments? Should they torture in cold and clammy cells? They should read the principles of how to set the criminals and what should be the factors that should be kept in mind before making any decision. This is not right to tease them in black cells, with this way they won’t be able to bring dark souls back.

It should have in the mind of every member that punish is the last step; don’t take it into account as first step. Studies have shown that there are ways which can be used to alleviate these people. Offenders are placed in such a cells and proximity that no one can imagine. This is just because of single person that spoils the name of the whole department.

Just the compilation is required from the officer. After first wrong activity, it’s the duty of officer to bring the offender to the right path by hop and jump skill. If the offender comes back to the right path leave him. But if again he commits any wrong deed, he should not treat him badly, but have to join his hand and see the root of offense.

The sense of a criminal thinks that what he is doing is right and is a new place for other partners of him in the worst possible thinking.

What should be done regarding this subject to have a good grasp over it? Very simple, we have to take into the count the professional experience of our seniors and utilize it to work in this field. These candidates can then become selective members in the department.

This also helps us in the area of leadership and management of any project in the career of one.…