Far too many New Jersey residents experienced the destruction caused by Hurricane Sandy and its aftermath. This Guide, prepared by Patrick Parker Realty, is intended as a reference to those affected by the Superstorm. The victims of Sandy face a wide variety of financial, housing and legal issues, and here we attempt to survey those issues that arise most often. Although this Guide cannot explore all issues completely or touch on every point that may arise, we have made considerable efforts to determine what issues are most relevant to the victims of the Hurricane and its aftermath. Please note that this information is current as of January 1, 2013 but by the time you read this material, the federal, state and county governments may have adopted additional measures to assist victims of Sandy.
We realize this Guide cannot answer all of the questions you undoubtedly have in the wake of the Superstorm. Rather, it is intended to identify the issues that many victims will need to consider, and to point you in the right direction. You may need to contact federal, state, city or county officials, local aid organizations, or even seek legal representation in order to obtain more specific information about your individual concerns.
Drucker Law Offices
12161 Ken Adams Way #110-C2,
Wellington, FL 33414
(561) 812-5693
http://www.floridalawteam.com/wellington/
At Drucker Law Offices, the firm is absolutely devoted to the service that is given to its personal injury clients. Gary J. Drucker and the Drucker law firm will guide you through your case, from beginning to end with a focus on personal attention. You do not have to face a large corporation or insurance company alone. Gary J. Drucker and Drucker Law Offices will be there for you every step of the way, advising you through each stage and protecting your rights throughout.
Congressman Crawford's office sent this FEMA notificaiton of Assistance to Individuals and households due to recent flooding and tornados. At present impact for Northeast Arkansas limited to Clay and Randolph Counties, more counties to be added.
Drucker Law Offices
5421 N University Dr #102A
Coral Springs, FL 33067
(954) 755-2120
http://www.floridalawteam.com/coral-springs/
Coral Springs Injury and Accident Attorney Lawyer handling car accidents, slip and fall, work site accidents, pedestrian and more in Coral Springs, Coconut Creek, Pompano Beach, Margate, Tamarac, Sunrise, Plantation and surrounding areas.
Drucker Law Offices
12161 Ken Adams Way #110-C2,
Wellington, FL 33414
(561) 812-5693
http://www.floridalawteam.com/wellington/
At Drucker Law Offices, the firm is absolutely devoted to the service that is given to its personal injury clients. Gary J. Drucker and the Drucker law firm will guide you through your case, from beginning to end with a focus on personal attention. You do not have to face a large corporation or insurance company alone. Gary J. Drucker and Drucker Law Offices will be there for you every step of the way, advising you through each stage and protecting your rights throughout.
Congressman Crawford's office sent this FEMA notificaiton of Assistance to Individuals and households due to recent flooding and tornados. At present impact for Northeast Arkansas limited to Clay and Randolph Counties, more counties to be added.
Drucker Law Offices
5421 N University Dr #102A
Coral Springs, FL 33067
(954) 755-2120
http://www.floridalawteam.com/coral-springs/
Coral Springs Injury and Accident Attorney Lawyer handling car accidents, slip and fall, work site accidents, pedestrian and more in Coral Springs, Coconut Creek, Pompano Beach, Margate, Tamarac, Sunrise, Plantation and surrounding areas.
An overview of the 2013 changes and modifications to the National Flood Insurance Program (NFIP) presented at the September 4, 2013 Lunch and Learn at the Charleston Trident Association of REALTORS (CTAR)
Americans are a giving, compassionate people. They willingly su.docxjack60216
Americans are a giving, compassionate people. They willingly support any number of domestic and international causes that bring relief and hope to those in need. Is there a limit to this generosity? Some analysts point to what they call “Donor Fatigue.” This describes a situation where people no longer give to causes that they supported in the past. Among the causes attributed to this phenomenon are overstretched budgets, negative reaction to pressure tactics, and mismanaged donation campaigns. Another factor cited is that some programs provide assistance that is not warranted.
Critics point to the National Flood Insurance Program as an example. Everyone feels compassion for those who have lost their homes and possessions due to flooding, right? Maybe not. Many insurance companies refuse to underwrite flood insurance in certain locations because the potential liability exceeds the premiums they can charge. The US National Flood Insurance Program resulted from recognition that private insurance companies can’t provide coverage at affordable rates that would allow them to be profitable. In order to receive coverage, however, communities that benefit must adopt and enforce floodplain management policies to mitigate threats to life and property damage in flood-prone areas. Critics assert that taxpayers should not be required to subsidize those who choose to build in known floodplains – they know the risk, they should accept the risk. Is this “donor fatigue?” What do you think? Explain your position.
.
Personal injury cases – timeline and a helpful checklistmosmedicalreview
Personal injury cases involve a medical records review to decide the validity of the case. Here is a timeline and checklist for a personal injury case.
The SBA is offering loans of up to $2 million with an interest rate of 3.75% to small businesses affected by coronavirus. This brochure shows how to apply for it
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Whether you're looking for an affordable Jersey Shore beach side retreat, a stunning new home for your growing family in a great neighborhood, or looking to settle down in a peaceful 55+ Community; one of these Open Houses at the Patrick Parker Realty Open House Event on Sunday, February 26, 2017 is sure to suit your needs. And always feel free to contact one of our expert Buyer's Agents to discuss with them your wants and needs in your next home so we can find a property that suits you perfectly!
An overview of the 2013 changes and modifications to the National Flood Insurance Program (NFIP) presented at the September 4, 2013 Lunch and Learn at the Charleston Trident Association of REALTORS (CTAR)
Americans are a giving, compassionate people. They willingly su.docxjack60216
Americans are a giving, compassionate people. They willingly support any number of domestic and international causes that bring relief and hope to those in need. Is there a limit to this generosity? Some analysts point to what they call “Donor Fatigue.” This describes a situation where people no longer give to causes that they supported in the past. Among the causes attributed to this phenomenon are overstretched budgets, negative reaction to pressure tactics, and mismanaged donation campaigns. Another factor cited is that some programs provide assistance that is not warranted.
Critics point to the National Flood Insurance Program as an example. Everyone feels compassion for those who have lost their homes and possessions due to flooding, right? Maybe not. Many insurance companies refuse to underwrite flood insurance in certain locations because the potential liability exceeds the premiums they can charge. The US National Flood Insurance Program resulted from recognition that private insurance companies can’t provide coverage at affordable rates that would allow them to be profitable. In order to receive coverage, however, communities that benefit must adopt and enforce floodplain management policies to mitigate threats to life and property damage in flood-prone areas. Critics assert that taxpayers should not be required to subsidize those who choose to build in known floodplains – they know the risk, they should accept the risk. Is this “donor fatigue?” What do you think? Explain your position.
.
Personal injury cases – timeline and a helpful checklistmosmedicalreview
Personal injury cases involve a medical records review to decide the validity of the case. Here is a timeline and checklist for a personal injury case.
The SBA is offering loans of up to $2 million with an interest rate of 3.75% to small businesses affected by coronavirus. This brochure shows how to apply for it
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Whether you're looking for an affordable Jersey Shore beach side retreat, a stunning new home for your growing family in a great neighborhood, or looking to settle down in a peaceful 55+ Community; one of these Open Houses at the Patrick Parker Realty Open House Event on Sunday, February 26, 2017 is sure to suit your needs. And always feel free to contact one of our expert Buyer's Agents to discuss with them your wants and needs in your next home so we can find a property that suits you perfectly!
Patrick Parker Realty, an independent boutique brokerage located in the heart of Bradley Beach is your local market leader. We understand the demands of a changing real estate market and avail ourselves of the latest industry information and tools to ensure excellent results.
Our seasoned Real Estate Agents constitute the area’s most productive real estate sales force. Their competitive edge is based on turn-key service that takes you through every step of your transaction. Our Agents offer the guidance, feedback and expertise needed to ensure your complete satisfaction.
Superior Service - built on a foundation of drive, experience and education - is the cornerstone of Patrick Parker Realty’s success. Our track record is proof that a focus on our client's needs, backed by the ability to deliver, remains as important as ever.
When it comes to understanding what’s important to you as you embark on selling your house, you will benefit from our unwavering commitment to getting your home sold, for the best price, in the shortest timeframe.
The vast majority of Americans use mortgage loans to finance the purchase of their homes. Over 89 percent of the residential real estate transactions in 2013 used some kind of mortgage loan. They allow homebuyers to purchase a far larger, nicer house than they would be able to afford if they had to rely on their savings.
Not all homebuyers qualify for mortgage loans. Banks and other lending institutions will only give potential homebuyers the tens if not hundreds of thousands of dollars they need if the homebuyers can demonstrate their ability to pay the lenders back. Use the flowchart found below to determine if you qualify for a mortgage loan.
Starting January 10, 2014, you must assess the borrower’s ability to repay for virtually all closed-end
residential mortgage loans. All Qualified Mortgages (QM) are presumed to comply with this requirement.
As described below, a loan that meets the product feature requirements can be a QM under any of three
main categories: (1) the general definition; (2) the “GSE-eligible” provision; or (3) the small creditor provision.
In the event of an emergency, it might be necessary to turn off the main water valve coming into your home. It’s important that everyone know where the main water shut-off valve is located. In many homes, it is located near your water meter.
Download our tag to hang on the main water shut-off valve so everyone knows where it is.
Halloween Safety Tips
Everyone loves a good scare on Halloween, but not when it comes to child safety. There are several easy and effective behaviors that parents can share with kids to help reduce their risk of injury.
This workbook is designed to help you figure Disaster, and your loss on business and income-producing property in the event of a disaster, casualty, or theft. It contains schedules to help you figure the Theft Loss loss to your office furniture and fixtures, information systems, motor vehicles, office supplies, Workbook buildings, and equipment. These schedules, however, are for your information only.
DIRECT OCEANFRONT, NEW CONSTRUCTION! 1200 Sq. ft., Two bedroom two bath with all the high end finishes you would expect in luxury living. Designer kitchen with stainless steel appliances, granite counter tops, hardwood floors, fully tiled baths, elevator building, laundry, open floor plan, garage parking for two cars. Act quickly so you can pick your colors!
Torun Center Residences Istanbul - Listing TurkeyListing Turkey
THERE IS LIFE IN ITS CENTER!
The most energetic spot of the city that will add utterly different pleasures to your life, with a park that will make Istanbul breathe, delighting indoor and outdoor bistros, cafes, restaurants, the brand-new Food Hall concept, where dozens of unique tastes are served together, market area, cinema, theater, fitness club, SPA and event venue...
All the pleasures that will enrich your lives are awaiting you on the most beautiful side of the city, at Torun Center Residences. In Mecidiyeköy, where the heart of Istanbul beats, business, life and entertainment opportunities are located at the exact center, at Torun Center, the most beautiful side of the city.
Penthouse apartments and different styles of flats from 1 + 1 to 4 + 1, from 100 to 425 square meters in a 42-story residence tower, have been designed for those who want to live in the center of magnificence. Torun Center is the redefinition of a better life with specially landscaped floor gardens, apartment options with private balconies, and automatic glass systems equipped with Trickle Ventilation that offers clean air comfort.
Business and life in the same place
Excellent service
Torun Center has many delightful details, from a swimming pool to sunbathing and resting terrace. With 24/7 concierge services, 24/7 security, valet, technical service, closed-circuit camera system (CCTV), central heating and cooling system, it makes your life easier.
Delightful details
The two-story Torun Center Lounge, with its indoor and outdoor seating areas, children's playroom, private dining and TV lounge, promises unforgettable memories to you and your loved ones with its unique Istanbul view.
Neighboring to the most pleasant square of Istanbul
A few steps from the Torun Center Residences, you can reach the city's most modern city square and open the doors of a quality city life. Torun Center Residences brings together on the same project the long-awaited city life for Istanbul and gourmet restaurants, cafes, gym and SPA, and state-of-the-art cinema and Artı Stage, hosting the most famous plays of the season.
Located at the intersection of alternative public transportation options such as the metro and Metrobus, Torun Center comes to the fore as the most accessible office for both sides of Istanbul. With a central location and rich transportation lines, Torun Center offices make life easier for employees and increase productivity.
Urbanrise Paradise on Earth - Unveiling Unprecedented Luxury in Exquisite Vil...JagadishKR1
Immerse yourself in the epitome of luxury living at Urbanrise Paradise on Earth. These opulent 4 BHK villas, nestled off the prestigious Kanakapura Road in Bangalore, redefine elegance and sophistication. With meticulous craftsmanship, breathtaking design, and unparalleled amenities, Urbanrise Paradise on Earth offers a sanctuary where every moment is infused with luxury and serenity. Experience a life of grandeur and indulgence at this exclusive residential enclave.
Referans Bahcesehir which is being constructed, in the center of the most regional destination as Bahçeşehir, shines out with its central location and unique landscape including social facilities such as a fitness center, sauna, sports facilities, children’s playground and recreational areas.
Not only drawing attention for immediate surroundings including commercial centers and private schools but also providing the easily accessible location with closeness to Tem Highway and connection roads, ongoing construction of 3rd Bridge Connection roads and Metro Projects
Bahcesehir is a rising value in the great city of Istanbul… Located at a new transportation junction in the northwest of the City… Located at such a spot that the access roads for the 3rd bridge and for the 3rd Airport will reach the region in 2016. The Marmaray and the Subway will extend all the way to Referans Bahcesehir respectively in 2018 and 2019.
465 flats and 34 stores are designed with an outstanding approach and arranged with a unique perspective offering the following options: 1 plus 1, 2 plus 1, 3 plus 1, 3.5 plus 1, 4 plus 1, and 4.5 plus 1. It is planned so as to safeguard you and your loved ones based upon a modern, technological safety approach. As you experience the joy and luxury here, you will be content and feet at ease.
It is worth seeing both inside and outside with heart-warming cafes, tasty restaurants and elegant stores… And it is ready to offer a vivacious social life with a warm and cozy space design.
A folding swimming pool and indoor swimming pools, playgrounds, Turkish bath, sauna… It has them all. Everything you need for your well-being and for having a pleasant time will be at your service. You simply need to align the rhythm of life with the rhythm of Referans Bahcesehir.
https://listingturkey.com/property/referans-bahcesehir/
Keep Your Home Naturally Cool and Warm Out Change in Seasons
Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
Vinra Construction Tech Enabled Company for Eco-Friendly Home Construction
Contact With Vinra for a Greener Future >>> Call us @ 888 4898 765
Need MCA leads? No sweat! MCAs are great for small biz funding. Learn how to snag top-notch leads: businesses needing cash, with repayment ability, decision-makers, and accurate contacts. Use content, social ads, lead platforms, partnerships, and capture processes for quality leads.
https://www.leadgeneration.media/blog/b/streamline-your-mca-sales-process-with-pre-qualified-leads
Omaxe Sports City Dwarka stands out as a premier residential and recreational destination, offering a blend of luxury and sports-centric living. Located in the thriving area of Dwarka, this project by Omaxe Limited is designed to cater to modern lifestyle needs while promoting a healthy, active living environment.
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
One FNG by Group 108 Sector 142 Noida Construction UpdateOne FNG
One FNG by Group 108 is launching a new commercial project in Sector 142 Noida. Office space and high street retail shops on the FNG and Noida Expressway. For more information visit the website https://www.onefng.com/
Elegant Evergreen Homes - Luxury Apartments Redefining Comfort in Yelahanka, ...JagadishKR1
Experience unmatched luxury at Elegant Evergreen Homes, offering exquisite 2, 3, and 4 BHK apartments in the serene locality of Yelahanka, Bangalore. These meticulously crafted homes blend modern design with timeless elegance, providing a harmonious living environment. Enjoy top-tier amenities and a prime location, making Elegant Evergreen Homes the ideal choice for discerning homeowners.
Green Homes, Islamabad Presentation .pdfticktoktips
Green Homes Islamabad offers beautifully designed 5, 8, and 10 Marla homes near the airport and motorway. Enjoy luxury, convenience, and high rental returns in a prime location.
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
Flat available for sale
Location- Tupudana, Ranchi
Savitri enclave
Area- 3BHK
Rate- 4000/sq.ft.
Super Build Up Area-1629 sq.ft.
Build-up area-1253 sq.ft.
Rate- 65lakh16k(approx)
Floor available- Flat available in all floor(G+12)
Balcony- 2
Washroom- 2
Parking - CAR PARKING
Amenities- Joggers track,temple, children's park,gym,banquet hall (5 Lakh)
Possession year (Handover year)- Dec 2025
Outside View from the apartment and flat balcony is very beautiful.
For more information contact AASHIYANA STAR PROPERTIES
7766900371
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus o...Joseph Lewis Aguirre
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus on Public Safety as Job #1, Engagement, Wealth of HOA, Branding, Communication, Culture, Civic Responsibility
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
Rixos Tersane Istanbul Residences Brochure_May2024_ENG.pdfListing Turkey
Tersane Suites Residences is a luxurious real estate project located in the heart of Istanbul, next to the beautiful Golden Horn. This unique development offers hotel concept residences with Rixos management, making it the perfect choice for both homeowners and investors.
The Tersane Suites Residences offers a wide range of options, from studio apartments to spacious four-bedroom units, all designed to the highest standard. The suites are finished with high-quality materials and feature modern, open-plan living spaces, fully-equipped kitchens, and large balconies with stunning views of the city and sea.
One of the standout features of Tersane Suites Residences is the Rixos management, which provides a truly exclusive and upscale living experience. Residents will have access to a range of luxury amenities, including a fitness center, spa, and indoor and outdoor swimming pools. Plus, the on-site restaurants and cafes provide a taste of the local and international cuisine.
The Tersane Suites Residences also offers a great opportunity for investors, as it provides a rental guarantee program. This means that investors can enjoy a steady income stream, with the peace of mind that their property is being managed by a reputable and experienced team.
The location of Tersane Suites Residences is also unbeatable, with easy access to the city’s main transportation links and within close proximity to the historic center, making it the perfect base for exploring all that Istanbul has to offer.
BricknBolt Understanding Load-Bearing Walls and Their Structural Support in H...BrickAndBolt
Load-bearing walls are the backbone of any home construction, providing crucial structural support that carries the weight of the house above. For companies like Brick and Bolt Mysore and Bricknbolt Faridabad, understanding and properly implementing these elements are key to constructing safe and durable buildings.
Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
1. A Guide to
Hurricane Sandy Assistance
Offered by Patrick Parker Realty
www.patrickparkerrealty.com
2. A Guide to Hurricane Sandy Assistance
A Special Message from Patrick Parker
Far too many New Jersey residents experienced the Key Contact Quick List
destruction caused by Hurricane Sandy and its aftermath.
This Guide, prepared by Patrick Parker Realty, is intended FEMA 1-800-621-FEMA
as a reference to those affected by the Superstorm. The www.DisasterAssistance.gov
victims of Sandy face a wide variety of financial, housing Small Business Assistance/Disaster Loan Applications
and legal issues, and here we attempt to survey those http://www.sba.gov/content/applying-disaster-loan
issues that arise most often. Although this Guide cannot
explore all issues completely or touch on every point that NJ 2-1-1 Hurricane Response and Recover
may arise, we have made considerable efforts to www.nj211.org
determine what issues are most relevant to the victims NJHelps is a free and easy guide for you to determine
of the Hurricane and its aftermath. Please note that this what programs and assistance for which you may be
information is current as of January 1, 2013 but by the eligible.
time you read this material, the federal, state and county
governments may have adopted additional measures to Housing Assistance
assist victims of Sandy. http://www.state.nj.us/dobi/njhope/alliance.html
We realize this Guide cannot answer all of the questions American Red Cross 732-493-9100
you undoubtedly have in the wake of the Superstorm. NJDOE Hotline for Families Displaced 609-292-2070
Rather, it is intended to identify the issues that many For Disability Assistance 1-877-222-3737
victims will need to consider, and to point you in the For Assistance with Pets 1-855-407-4787
right direction. You may need to contact federal, state, Mental Health Hotline 1-800-985-5990 or 211
city or county officials, local aid organizations, or even New Jersey Disaster Legal Services 1-888-541-1900
seek legal representation in order to obtain more specific Additional Resources
information about your individual concerns.
3. FEMA Extends Deadlines
It’s Not Too Late to Apply for Assistance What is an SBA Loan?
Those who suffered losses due to Hurricane Sandy in The U.S. Small Business Administration (SBA) is now
New Jersey now have until January 30, 2013 to register offering disaster recovery loans to business owners,
for disaster assistance through the Federal Emergency home owners and renters who suffered losses due to
Management Agency, FEMA and the New Jersey Office of Hurricane Sandy. The deadline to apply is January 30.
Emergency Management have announced.
SBA loans help businesses, homeowners and renters
People with storm losses in all counties can register recover by offering a low-interest loan alternative, an
online at www.disasterassistance.gov via smartphone or opportunity to businesses to recoup losses as a result of
tablet at m.fema.gov or by calling (800) 621-3362. power outages and other loss of capital opportunities
regardless of whether the business suffered property
At the request of the state of New Jersey, FEMA damage, and finally, homeowners and renters can apply
extended the registration deadline beyond the original for loans to repair or replace personal property.
60-day window due to the magnitude of the Hurricane
Sandy disaster. Interest rates for SBA loans range from 4.0% to 6.0%,
depending on the availability of non-SBA credit. Interest
rates for home recovery loans range from 1.688% to
APPLY FOR FEMA DISASTER ASSISTANCE 3.375%, depending on the availability of non-SBA credit.
Each SBA loan program has its own eligibility criteria and
Tips
application process. However, as you prepare to submit
Before You Apply
your paperwork, you will need to gather and prepare
After You Apply
similar documentation. Learn more here.
Rumor Control
Replace Vital Documents For information about the disaster loan process email
USPS Change of Address Online disastercustomerservice@sba.gov or call (800) 659-
2955.
4. Appealing a FEMA Ineligibility Letter
Turning That “No” Into a “Yes”
If you have received notice from the Federal Emergency Applicants may appeal the decision if they find
Management Agency (FEMA) that you are ineligible for circumstances have changed from the time they
disaster assistance following Hurricane Sandy you may be registered. They may have discovered additional damage
able to use additional documentation to turn that “no” to their property, or that they need housing help after
into a “yes.” all. Renters may find upon returning that their residences
are unlivable.
“Every applicant has the right to appeal a decision,” said
Federal Coordinating Officer Gregory W. Eaton. “In fact, FEMA understands that circumstances after a disaster
applicants can appeal any FEMA decision. When you do can be fluid and changeable, you have the chance to
so, you are asking us to review your case again, and we report those changes — changes that could make the
will gladly do that.” difference in becoming eligible for disaster assistance.
Applicants who received a letter stating they are Effective appeal letters should follow these procedures:
“ineligible” should read that document carefully. It will In the first paragraph, list the applicant’s full legal name
list some reasons the aid was denied and provide used on the aid application, along with Social Security
instructions on filing an appeal. number and the FEMA case number. Include a personal
phone number as well as a back-up phone number
Some common reasons an applicant may be determined where the applicant also can be reached, in addition to a
ineligible include: correct mailing address.
• Insufficient storm-related damage. Write an explanation of events that provides evidence to
• Adequate insurance coverage. support the appeal. Summarize changes in circumstances
• Additional personal or insurance information needed or needs, additional damages to property discovered
to complete the assistance evaluation process. after the registration was filed or higher-than-planned
• Confusion about Social Security numbers, addresses costs for repairs, for example.
or phone numbers.
Include photocopies of receipts for materials and labor as
well as up to three written bids for repair work if those
costs exceed the award amount. Submitting repair
estimates, receipts, statements or invoices helps
applicants lodge effective appeals.
Also keep in mind:
The appeal letter must be submitted within 60 days of
the date on the denial letter — by mail, or by fax at 1-
800-827-8112, or in person at a state/federal Disaster
Recovery Center. Keep a copy of the appeal letter and
supporting documentation as a record.
Information on how and where to file an appeal is
included with denial letters and in the “Help After a
Disaster” booklet that is included with registration
packets.
Disaster Recover Centers
One of the best sources of help with an appeal is your
local Disaster Recover Center. A Disaster Recovery
Center is a readily accessible facility or mobile office
where applicants may go for information about FEMA or
other disaster assistance programs, or for questions
related to your case.
Search for a Disaster Recovery Center
5. How to Apply for an SBA Loan
You Must Register with FEMA First How to appeal an SBA Loan denial?
First, register with FEMA to obtain a FEMA Registration Though criteria for SBA loans are less stringent that bank
Number by calling 1-800-621-3362. loans, denials may still be based on problems with credit
history, or an inability to repay.
Call the SBA Customer Service Center to obtain a loan
application: 1-800-659-2955; You can also email the SBA You have the right to appeal an unfavorable decision.
at disastercustimerservice@sba.gov. Appeals go to the Office of Hearings and Appeals (OHA).
Visit http://www.sba.gov/oha for more information.
Finally, you can also apply in person at any FEMA Disaster
Recovery Center and receive personal, one-on-one help 1. File your appeal, which is called a “request for
from an SBA representative. To find a location, please reconsideration” by email, fax, mail, or delivery.
contact SBA’s Customer Service Center at 1-800-659- 2. Appeals must be submitted within six months.
2955 or email disastercustomerservice@sba.gov. If filing by email, send the appeal to ohafilings@sba.gov.
You will need the following information when you apply: Send any communication as an attached document. Note
that some filings emailed to OHA have not been
1. Contact information; successfully transmitted due to the size or content of the
2. Identity information (social security numbers / email. The sender is responsible for ensuring
3. FEMA registration number) transmission. Call 202-401-8200 to confirm receipt.
4. Deed or lease information, if available
5. Insurance information, if applicable: name, address, If filing by fax, OHA’s fax number is (202) 205-7059.
and policy number If filing by mail or delivery, send or drop off appeal to:
6. Financial information (income, creditors’ names,
payments, balances). Docketing Clerk, Office of Hearings and Appeals
Small Business Administration
For more information, visit www.sba.gov/content/fact- 409 Third Street SW, 8th Floor
sheet-homeowners-andrenters Washington DC 20416.
6. Requesting a Tax Assessment Reduction
Are You Eligible for a Tax Reassessment?
Taxes are based on the market value of your property, or First, you need to find out the name of your local tax
some percentage of the value, less any state deductions adjustor. A simple Google Search of the term ‘Tax
or exemptions; the remaining amount is then multiplied Assessor Town Name’ should yield great results. This
by the local millage rate. A millage rate of 7.5, for should also help you find where to address your letter,
example, means you pay $7.50 for every $1,000 of which is generally to your Township.
taxable value; if you had $100,000 in taxable value after
all adjustments were made, you’d pay an annual $750 Second, you should compose a letter requesting a
tax. reassessment due natural disaster citing a New Jersey
Statute that allows for these kinds of contingencies.
Since storm damage to a home can significantly drive Below is a template you can use to write to your Tax
down its value, not just due to the damage to that home, Assessor. Your letter should be specific to your situation.
but also as a result of damage to approximate derelict
properties and the community at large. For example, if a
storm wrecks the roof of a neighboring home, another
VIEW A SAMPLE REASSESSMENT LETTER
home in the community could have its value negatively
impacted. Or if you have invested in a second home in For Your Reference
one of the popular summer rental areas on the shore as Matthew S. Clark, CTA
a means of income or plans for future retirement, the Monmouth County Tax Administrator
demand for your area has plummeted. Phone: (732) 431-7404 | Fax: (732) 409-4890
mclark@co.monmouth.nj.us
So what do you do?
It is worth submitting a letter to your local tax adjustor Monmouth County Board of Taxation
requesting a property tax adjustment as a result of major 1 East Main Street
depreciation to the value of your property. Freehold, NJ 07728
7. The New Housing Shortage
Need Housing?
Residents displaced by Hurricane Sandy are having a hard
time finding a temporary place to live. Thousands of
people are calling real estate offices, looking to rent
apartments or homes.
Real estate agents say there are more people looking for
rentals than units available. Agents are asking sellers to
let displaced people live in their vacant homes.
About 960 rentals are on the market in Monmouth and
Ocean County, according to the Monmouth County
Association of Realtors, but the number is fluid and
probably lower.
Patrick Parker Realty is here to Help
Patrick Parker Realty has dedicated personnel on hand to
take your calls if you have been displaced by Hurricane
Sandy. In addition, with the launch of our new website,
we want you to know about our property search feature
that can email you rentals or homes that meet your
specifications automatically once you register.
Jennifer Pricci, a Highlands resident displaced by Sandy,
was recently placed in a rental unit similar to what she
was already renting, in price and amenities.
“I spoke to many realtors after the storm hit. If it weren’t for Patrick Parker and the diligence of his team I do not
think I would have found a new home so quickly. I really got the sense that his office dropped everything to take
care of me. While juggling so much in the wake of the storm, Patrick Parker Realty helped make this transaction
as smooth as possible taking care of the many peripheral details so that I didn’t have to.”
To register for automatic property email alerts:
1. Go to www.patrickparkerrealty.com and on the top right of the page next to PROPERTY ALERTS click “SIGN-UP”
2. Click on Advanced Search
3. Choose from the dropdown menu what kind of property you’re seeking such as “Single Family Residential” or
“Rentals”
4. You can refine your search by checking boxes in the “Select type…” area
5. Choose the City in which you wish to search
To choose multiple cities hold down “Ctrl” continuously as you make your selections. All cities you select will
highlight. If you make a mistake you can simply unclick the city name but continue to hold the “Ctrl” key
6. Select the county. Hold down “Ctrl” and select Monmouth and Ocean unless you are considering moving outside
the immediate area.
7. Enter your Low Price and Enter your High Price Tip: Disregard Zip
8. Enter desired number of Bedrooms and Bathrooms Tip: Disregard Days Listed
9. Choose how you’d like to Sort your results Tip: For Renters, Disregard Min Sq Ft
10. Click “Next Step >”
11. Complete the registration form by entering your First and Last name, email, phone number, email format, and select
a password to log back into the system so you can save properties and return to them at a later date.
12. Click “Save my Search”
13. You will receive a notice that an email has been sent to the email address you registered for confirmation and
verification instructions. You will also then be brought to a page with your search results. Click “Save Search.”
If you need further assistance with the registration process Contact Us so we can help
8. “Housing Needs” Assistance
FEMA “Individual & Households” Grants How Do I Apply for These Forms of Relief?
The Individuals and Households Grants Program offers Apply online at www.disasterassistance.gov, or by calling
two forms of assistance for individuals and families who 1-800-621-3362.
experienced property damage in the storm that is not
covered by insurance. You will need the following information when you apply:
1. Social security number. If you do not have one, your
What is “Housing Needs” Assistance?
household still may be eligible for assistance if there
Temporary financial assistance may be available for
is a minor child in the household who is a U.S. citizen
those who rented or owned, in order to rent a place to
with a social security number.
live or a government provided housing unit when rental
2. Current and pre-disaster address and telephone
properties are not available. Generally, emergency
number where you can be reached
rental assistance is available without a prior inspection of
3. Insurance information
the property for two months, and may be extended
4. Total household income
based on a review of the application and inspection. The
5. A description of your losses
maximum duration of assistance is 20 months. Amount
of assistance varies based on geographic location and What Happens After I Apply For Assistance?
size of the rental. You will receive a FEMA application number. FEMA will
also mail you (1) a copy of your application; and (2) a
Financial assistance may be available to homeowners to guide after you apply for relief which will provide you
repair damage to their primary residence caused by the with additional information about the aid.
disaster that is not covered by insurance. The goal is to
make the home safe, sanitary and functional (e.g., FEMA usually grants between one and three months of
payment for a downed tree on the property that does rental assistance at a time. If applying for continued
not affect the safety of the house would not be covered). assistance must provide documentation showing that
If home repairs exceed your FEMA grant allocation, you you are making efforts to obtain permanent housing at
can apply for a Small Business Administration (SBA) loan. each recertification.
Financial assistance may be available to homeowners to
replace their home destroyed in the disaster that is not
covered by insurance.
To qualify you must show that:
• You have losses in an area that has been declared a
disaster by the President;
• You filed for insurance benefits and the damage to
your property is not covered or your insurance
settlement is insufficient to cover your losses;
• You have a valid Social Security Number;
• The home at issue is in the declared disaster area, and
is where you usually live and where you were living at
the time of the disaster; and
• You are not able to live in your home now, you cannot
get to your home due to the disaster, or your home
requires repairs due to damage caused by the
disaster.
View the Applicant’s Guide to the Individuals &
Households Program
Damages to a secondary or vacation home are not
compensable. However, if you own a secondary home
that is rented or occupied by a family member, you may
be eligible for assistance from the U.S. Small Business
Administration (SBA).
9. Tax Deductions for Victims
How to Get Catastrophe Tax Deduction
The tax code allows you to deduct a catastrophic loss (or It’s important to document any claims you make. If your
theft) from your income. What’s a catastrophe? The IRS home is wiped out, it’s likely many of your records are as
defines it as “damage, destruction, or loss of property well — in which case, you’ll have to reconstruct records
resulting from an identifiable event that is sudden, of your home’s value. One place to start would be with
unexpected, or unusual.” comparable home values from a database such as
Zillow.com.
If your house was in Sandy’s path, you probably qualify
for a catastrophe deduction If you’re dealing with a particularly large disaster claim,
you might consider getting an appraisal of your home’s
To get a Catastrophe Tax Deduction you must itemize pre- and post-disaster value from a qualified
your deductions. The catastrophic loss deduction is professional. If the IRS challenges your loss, you’ll have
limited to amounts above 10% of your adjusted gross convincing proof on your side.
income — the amount on line 37 of your 1040 form.
Adjusted gross income is your total income, minus More Information
exemptions and certain adjustments, such as traditional
IRA contributions and student loan interest. Internal Revenue Service
irs.gov
Remember that this is not a tax credit, which reduces Disaster resource guide for individuals and businesses
your taxes dollar-for-dollar. It’s a deduction, which Casualty, Disaster, and Theft Loss Workbook
reduces your taxable income, which, in turn, reduces Business Casualty, Disaster, and Theft Loss Workbook
your taxes. If you’re in the 25% tax bracket, for example,
a $4,900 deduction would reduce your taxes by $1,225. Insurance Information Institute
iii.org
The deduction is more lucrative if you have no insurance Settling Insurance Claims after a Disaster
— or if insurance refuses to pay. Tax Deductions for Unreimbursed Losses
10. Tax Reprieve for Victims
IRS Grants Tax Reprieve to Sandy Victims
IRS regulations provide that whenever there is a federally
declared disaster the IRS may postpone various tax filing
deadlines for taxpayers in the affected area by as much
as one year. This includes filing income tax returns and
paying taxes due.
Such relief applies to:
• any individual whose principal residence is located in
a covered disaster area.
• any business entity or sole proprietor whose principal
place of business is located in a covered disaster area.
• taxpayers not in the covered disaster area but whose
records necessary to meet an IRS deadline are in such
area.
• any relief worker assisting in a covered disaster area.
• the spouse of an affected taxpayer for purposes of
filing a joint tax return.
• any individual visiting the covered disaster area who
was killed or injured as a result of the disaster.
This relief is automatic — taxpayers need not take any
action to qualify for it other than come within one of the
above categories. The IRS will abate any interest, late-
payment or late-filing penalty that would otherwise
apply.
The IRS has already postponed one deadline for Sandy
victims: It has granted taxpayers and tax preparers
affected by Hurricane Sandy until Nov. 7 to file returns
and accompanying payments normally due Oct. 31.
The IRS also announced that it is in the process of
postponing many more tax deadlines for taxpayers
affected by Hurricane Sandy or otherwise impacted by
the storm that hit the Mid-Atlantic and Northeastern
United States. It will post these announcements on its
Tax Relief In Disaster Situations Web page.
Currently, federal disaster area declarations due to
Hurricane Sandy have been made for multiple counties in
Connecticut, Delaware, Maryland, Massachusetts, New
Hampshire, New Jersey, New York, Pennsylvania, Rhode
Island, Virginia, West Virginia, as well as the District of
Columbia. By visiting the Federal Emergency
Management Agency (FEMA) website, you can easily find
out if your county has been declared a federal disaster
area.
If you live in the Sandy disaster area and receive a
penalty notice from the IRS, you should call the
telephone number on the notice to have the IRS abate
any interest and any late-filing or late-payment penalties
that would otherwise be due.
11. Disclaimer: Patrick Parker Realty makes available this Guide for general purposes
only. It was compiled from numerous sources. Although we intend the information
contained herein to be helpful, we cannot warrant that it is complete, particularly
since circumstances may change after this Guide is disseminated. Also, the Guide is
intended to be general in nature, and does not provide information applicable to any
individual’s unique factual situation. It is thus important to note that this Guide does
not constitute legal advice and should not be relied upon as legal advice.
Acknowledgements: We acknowledge with gratitude the efforts of those who have
contributed to preparing this resource and bringing it to fruition: Patrick Parker Realty
Brokers, Agents and Partners, Inman News, NJAR, USA Today, The law firm of
McCarter & English, LLP, PHANTOM POWER Marketing, FEMA, SBA, Google Images.
624 Main Street . Bradley Beach, NJ 07720 . Phone: 732.455.5252 . Fax: 732.455.5250
info@patrickparkerrealty.com . www.patrickparkerrealty.com