Re: NJ Manufacturer Home Owner insurance |
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I just had a look at my policy and "N/A" is written in the column for Dwelling. My coverage is for Personal Property and Loss of Use. This is an HO6 policy specifically for condo owners. This is my second condo in JC, and both condos had similar policies under different insurers. The way it was explained to me both times was that the Dwelling would be covered under the building's master insurance policy, which is the responsibility of the condo association. The HO6 policy is designed to cover everything inside the walls of your condo unit - kitchen, bathroom, appliances, clothing, furniture, etc. So, if the building is a total loss, the building's master policy would cover rebuilding the entire structure, but your HO6 policy would cover replacing everything inside the unit itself. I'm in a one-bedroom, and I renewed my policy for around $400/year about a month before Sandy ($100k personal property and $41k for loss of use). It will be interesting to see how much of an increase I'll get socked with when I renew later this year. I have friends in other buildings who have been warned that they're likely to be hit with an increase in monthly maintenance fees because the building is facing a steep hike in the premium for the master policy post-Sandy. Anyway, looking at your earlier post, it sounds like the premium Manufacturers quoted you is for a single-family home and not an HO6 for a condo. You are in a condo, right? If I had the opportunity to switch to NJM, I would seriously consider it - even if the premium were higher than others. One of the consistent things I've heard about them is when the shit hits the fan, they do step up and pay up when other insurers are looking for ways to weasel out of paying you or to shortchange you. I wouldn't just look at the premium pricing alone, but I'd also look at the reputation of the company and how they treat people.
Posted on: 5/16 23:39
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Re: The New York Times to Jersey City: "You don't exist" |
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In all fairness to the Times, their newsroom has fallen victim to budget cuts and layoffs - more so than the WSJ. The WSJ only beefed up its coverage of the NY metro area after News Corp. bought it and poured resources into it. (It also helps that several WSJ reporters and editors live in JC.) The deeper pockets at News Corp. are a double-edged sword. It is News Corp., after all, and Pulitzers have been very scarce at the WSJ since Murdoch bought it.
Posted on: 5/15 15:18
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Re: Election results |
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I wouldn't put it past Healy to take back the concession because he was too drunk to remember making it...
Posted on: 5/14 21:22
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Re: NJ Manufacturer Home Owner insurance |
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Actually, it's not for a condo. That's a minimum amount for a one-bedroom (my mortgage bank actually required me to get $100K). The figure doesn't just cover your personal effects (clothing, electronics, etc.). Let's say a fire or flood necessitated the gutting of your home. That amount would also cover a new kitchen, which could easily cost $30k - $40k.
Posted on: 5/14 9:17
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Re: a very important and relevant question - steves team |
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I can smell the panic in this post, and it's pretty freaking hilarious two days before the election.
Your concern about who will get the patronage jobs if Fulop is elected pretty much tells everyone who you are and why Healy's side is panicking. You're really concerned Fulop might make a "bad choice" filling the patronage jobs? I'm am on the floor laughing my ass off right now. After spending the last decade dealing with the Buildings Department, Parking Authority and Incinerator Authority, to name a few, I'll take my chances with Steve's "bad" choices. Healy's "good" choices of people to populate those departments have consisted of the incompetent, well-connected or corrupt - or combination of the three. God forbid you f*ckwits be forced to find real jobs in the private sector. You wouldn't last five minutes in a job interview.
Posted on: 5/12 11:02
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Re: New PATH train schedules starting this Sunday |
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I'm convinced the Port Authority's slogan is "PATH: We hate you."
Figures they'd do this just as the weather is getting nice and more people are likely to want to go into the city on weekends.
Posted on: 5/10 10:20
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Re: Flooding in Jersey City |
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Don't think so.
Posted on: 5/8 10:45
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Re: Flooding in Jersey City |
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I just rode my bike through the Grove & Grand area a little bit after 10 a.m. I didn't notice anything amiss - whatever flooding there was must have drained pretty quickly. There was a flash flood warning earlier this morning for Hudson County, lower Manhattan etc. Whenever I hear that, I know to steer clear of Hoboken and the usual streets in JC that flood easily.
Posted on: 5/8 10:30
Edited by JadedJC on 2013/5/8 10:53:18
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Re: Fulop (as Mayor) will stop the reval? |
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I just fished the damn thing out of the recycling bin. It looks legit unfortunately. The cover of it says, "The memories that turn a house into a home make the thought of rising property taxes unbearable." The photos in the brochure show homes that look like those you find in the Heights. Hmmmm.
"As Mayor, I'll fight to stop the tax revaluation that will raise your property taxes, and I'll work to improve our public schools. But on May 14th, I need your help." Also, under the heading "Because we deserve a better city, Steven Fulop will..." and one of the bullet points says "Stop the tax revaluation because homeowners can't afford a rise in property taxes." I take issue with the built-in premise in this mailing that everyone's taxes will only go up as a result of the reval. That's BS if it's done properly and amounts to nothing more than fear mongering. Steve, if you are reading this, can you explain? You are on the verge of losing my vote.
Posted on: 4/27 9:18
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Re: Fulop (as Mayor) will stop the reval? |
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I got the brochure in my mailbox yesterday and promptly threw it away. From my few-seconds glance, it seemed to engage in fear mongering about people's taxes shooting up so high, they couldn't afford their homes anymore. I was so disgusted, I promptly threw it away. I'm disgusted enough that I'm considering NOT voting at all in the election when before I was solidly for Fulop. The distortion in property taxes simply CANNOT continue. Why should people living in older homes - many of them million-dollar brownstones - be subsidized to the tune of thousands of dollars a year? There is, of course, the possibility that the mailing is a fake and a dirty trick targeting Fulop's base downtown. But if that's the case, using the subject of a reval seems almost too sophisticated for Team Healy. Plus, I didn't notice any spelling or grammar errors, which one would expect from Healy's people....
Posted on: 4/27 8:54
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Re: Whole Foods in JC? |
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Let the schadenfreude begin...
Posted on: 4/12 12:09
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Re: Whole Foods in JC? |
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If it is a fake, that's diabolically brilliant. Some developer's attempt to drive up real-estate values in the vicinity?
Posted on: 4/12 11:32
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Re: Whole Foods in JC? |
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Why the hate? People shop at both small and big retailers, and if I can get all my shopping done on foot, all the better. Fresh Direct isn't the answer, and it's hardly reducing my carbon footprint when I use them. In any case, WF would provide jobs and tax revenue - probably way more than a small shop could. Whole Foods' baked goods are very mediocre, so I doubt Choc O'Pain will be threatened by them. If anything increased foot traffic is likely to benefit the store. Having a Whole Foods next door would draw their target demographic in droves. I haven't been to a 7/11 in years, but again what's so evil about them? They're obviously meeting some sort of need by being open at all hours. If this bothers you that much, there are broad swaths of ungentrified JC. Feel free to move. You can pat yourself on the back for being that sneering urban hipster pioneer. The rest of us will be enjoying our grass-fed filet mignon on a bed of arugula with ramps vinagrette.
Posted on: 4/12 10:52
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Re: Whole Foods in JC? |
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I love how we're so defeated in JC that we can't believe a little bit of good news. Anyway, I'm willing to give Whole Foods the benefit of the doubt at this point, with the realization that a number of things can happen that would force them to pull out of the project. Whole Foods has been known to commit to empty lots because that allows them to design the space to their specs during the building process. They're currently building a store in Monmouth County, right off Route 9, that's the site of a demolished strip mall - they committed even before groundbreaking. That store isn't listed as "coming soon" on their website either, which leads me to believe that the company doesn't announce store openings until they're imminent. Here's a blurb on the new Monmouth location:
http://marlboro-coltsneck.patch.com/a ... ction-to-begin-this-month
Posted on: 4/12 10:02
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Re: Whole Foods IS coming! |
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No kidding! Someone post a damn picture already. As much as I welcome this news I'm also kind of dreading what this will do to congestion at an already busy intersection. It's not like the city is going to be proactive....
Posted on: 4/12 8:58
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Re: NYTimes: THE HUNT - Downtown Jersey City 2-Bedroom With a Home for the Car |
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Read JC List enough and after awhile you realize a simple truth: People on this forum love to trash others' real-estate purchases to validate their own choice of home. If the couple happens to stumble across this thread - ignore the opinions posted here. The only one that matters is your own because you're the only one who has to live with the choice. If you're happy with the decision, screw everyone else.
Posted on: 4/8 15:46
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Re: No more taxpayer funding for the Loew's, Jersey City mayor says |
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This was the movie theater I went to growing up. It dates from the same era as the Loew's. It's privately owned and has managed to stay in business by showing so-called second-run films (movies that were released a month or two earlier) at a discount. I remember seeing Star Wars and Raiders of the Lost Ark there - 6 weeks later than everyone else at school, but tickets were only $1.50! When I was a kid, the theater was kinda threadbare, but it looks like they've managed to restore the place beautifully, show movies people want to see AND use the space for concerts/cultural events. Why isn't this possible for the Loew's? There's so much potential going to waste.
www.classiccinemas.com/Content.aspx?page=18 http://www.tivolistagecrew.com/history.html
Posted on: 4/6 16:13
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Re: Taqueria |
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There is for me. I've been to Taqueria Viva Mexico a couple of times since Sandy. Nice folks, but their tacos aren't as good as Taqueria - but that's just my subjective opinion.
Posted on: 4/2 10:55
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Re: New French Bakery on Jersey Ave.-Choc O Pain |
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Went there for the first time this morning. Awesome brioche, and much more reasonably priced than its predecessor in that space. I suspect I'll become a regular there...
Posted on: 4/2 10:47
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Re: Taqueria |
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Walked by there this morning. Sign on the window says April 9th for reopening. There's an end in sight to the taco drought...
Posted on: 4/2 10:44
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Re: Tilted Kilt - Pub & Eatery (&boobs) |
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And you probably expect your Subway sandwiches to look like this: ![]()
Posted on: 3/22 18:10
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Re: Tilted Kilt - Pub & Eatery (&boobs) |
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What did you expect? Aspiring models commuting from Manhattan? Men can be soooo delusional....
Posted on: 3/22 17:15
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Re: Tilted Kilt - Pub & Eatery (&boobs) |
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Judging by that Jersey Journal slideshow, the clientele seems to consist predominantly of sad-looking old men... Why can't they at least be young, good-looking pervs?
http://photos.nj.com/jersey-journal/2 ... t_pub_eatery_in_jers.html
Posted on: 3/22 16:32
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Re: Taqueria |
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I had heard that if not for the city inspections/permits, they would've reopened already. I'm not surprised. They're probably not greasing the right palms.
Posted on: 3/15 13:46
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Re: Embankment to become Vietnamese? |
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Including nose picking at the dinner table and spitting your bones in a pile on the table! I'm as Chinese as they come, but there's something to be said for British table manners...
Posted on: 3/13 18:57
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Re: Newport Food Court |
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"For whatever reason, the mall partly caters to middle-class Indian shoppers who seem to be rather picky about what they eat."
So much for the journalistic skill of observation. Did this guy NOT notice anything about the neighborhood demographics as soon as he got off the train (or even on the train itself)? Or are we supposed to just feel honored that the Voice deigned to even ride the PATH? News tip to the Village Voice: the cinema at Newport Mall shows Bollywood films from time to time.
Posted on: 3/13 10:05
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Re: Embankment to become Vietnamese? |
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In all fairness to them, the Vietnamese (and Chinese) don't do appetizer courses per se. Banquets/family dinners usually consist of several dishes that are shared by everyone. Everything comes out at once or as it's cooked. That's why you'll see lazy Susans at all the big tables at Nha Trang (haven't yet been to the new place). Anyway, the restaurant shouldn't list "Appetizers" on the menu if they don't intend to serve those dishes first. They should at least understand that non-Asians might take the menu headings literally and ask you if you want dishes served in a different order. (Pho, btw, is an all-purpose meal in Vietnam, people even have it for breakfast).
Posted on: 3/12 22:55
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Re: Buying property - Tax reassessment |
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That's very strange! If you're still within your abatement term, then the May and November payments should be relatively unchanged, regardless of what the city does with the tax rate. I just checked my mail, my May bill hasn't come yet and I'm also on an abatement. I'd definitely call the tax assessor and maybe check with your real-estate attorney if you have one.
Posted on: 2/26 12:45
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Re: Buying property - Tax reassessment |
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Are you sure it's the tax bill and not the tax assessment card that gets mailed every year around this time? The May 1 tax bill won't be mailed for at least another month. I know a lot of people freak out when they get that postcard every year informing them of their assessment, and they confuse the assessed value with the actual tax.
Posted on: 2/26 12:07
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