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				<title><![CDATA[NJCooperator - Articles - Finance]]></title>
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					  <title><![CDATA[A Town on the Edge]]></title>
					  <link>http://njcooperator.com/articles/397/1/A-Town-on-the-Edge/Page1.html</link>
					  <description><![CDATA[Nestled on three and a half miles on the Hudson River at the foot of the Palisades, Edgewater borough is a small nugget of New Jersey&#8217;s Gold Coast. With a growing, young population looking for proximity to Manhattan, as well as a community they can call their own; Edgewater is widely considered one of Northern New Jersey&#8217;s hot spots. ]]></description>
					  <author>no@spam.com (Anthony Stoeckert)</author>
					  <pubDate>Thu, 31 Jul 2008 13:53:24 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/397/1/A-Town-on-the-Edge/Page1.html</guid>
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					  <title><![CDATA[Stopping Sprawl, Growing Greener]]></title>
					  <link>http://njcooperator.com/articles/396/1/Stopping-Sprawl-Growing-Greener/Page1.html</link>
					  <description><![CDATA[For many years&#8212;or at least until the energy crisis of the 1970s&#8212;urban and suburban planners didn&#8217;t seem to care much about conserving natural resources. Suburban towns were laid out in such a manner that you had to drive everywhere&#8212;even a block away to buy a carton of milk or orange juice. And the fact that gas cost about 29 cents a gallon meant that people didn&#8217;t mind. Meanwhile, many areas in older towns and cities were left to decay, often leading to blight and eventual abandonment. ]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Thu, 31 Jul 2008 13:51:53 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/396/1/Stopping-Sprawl-Growing-Greener/Page1.html</guid>
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					  <title><![CDATA[Money Makes the Board Go Round]]></title>
					  <link>http://njcooperator.com/articles/395/1/Money-Makes-the-Board-Go-Round/Page1.html</link>
					  <description><![CDATA[They don&#8217;t call it &#8220;the bottom line&#8221; for nothing. When all is said and done, pretty much everything in business (okay, pretty much everything, period) comes down to money. In most business situations, a company CEO or president has the final word on money matters; the HOA business model dictates that fiscal responsibilities are shared between the board and the managing agent. This complex relationship demands managers embrace understanding, communication, and serious patience when it comes to HOA money matters. ]]></description>
					  <author>no@spam.com (Mary K. Fons)</author>
					  <pubDate>Thu, 31 Jul 2008 13:50:19 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/395/1/Money-Makes-the-Board-Go-Round/Page1.html</guid>
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					  <title><![CDATA[Reconciling Your Condominium&#039;s Maintenance Budget]]></title>
					  <link>http://njcooperator.com/articles/394/1/Reconciling-Your-Condominium039s-Maintenance-Budget/Page1.html</link>
					  <description><![CDATA[Along with big-ticket items like boilers, HVAC systems, and the like, residential buildings also have to purchase lots of little, everyday things like cleaning supplies, light bulbs, and paper products. Though not necessarily expensive in and of themselves, costs for these small things can definitely add up over the course of a year. It&#8217;s up to managers and building staff members to keep a lid on costs and be conscientious about limiting waste. ]]></description>
					  <author>no@spam.com (Denton Tarver)</author>
					  <pubDate>Thu, 31 Jul 2008 13:48:36 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/394/1/Reconciling-Your-Condominium039s-Maintenance-Budget/Page1.html</guid>
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					  <title><![CDATA[Who Makes the Cut in New Jersey&#039;s Co-ops?]]></title>
					  <link>http://njcooperator.com/articles/393/1/Who-Makes-the-Cut-in-New-Jersey039s-Co-ops/Page1.html</link>
					  <description><![CDATA[Imagine this scenario: you&#8217;re trying to purchase a co-op apartment, but also in the midst of a divorce. The board, concerned you may have to shoulder additional child support and alimony payments, fear that you might be unable to meet your financial obligations to the building, and demand to see your divorce settlement paperwork. As additional reassurance, they also request that you put a year of maintenance payments into an escrow account&#8230;just in case. ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Thu, 31 Jul 2008 13:46:18 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/393/1/Who-Makes-the-Cut-in-New-Jersey039s-Co-ops/Page1.html</guid>
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					  <title><![CDATA[When, How, and Why]]></title>
					  <link>http://njcooperator.com/articles/392/1/When-How-and-Why/Page1.html</link>
					  <description><![CDATA[Boston, Massachusetts may seem worlds away from the serene Garden State, but the story of one embattled condo building there represents a dire cautionary tale for boards and managers everywhere. ]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Thu, 31 Jul 2008 13:41:55 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/392/1/When-How-and-Why/Page1.html</guid>
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					  <title><![CDATA[Not in the Garden State]]></title>
					  <link>http://njcooperator.com/articles/391/1/Not-in-the-Garden-State/Page1.html</link>
					  <description><![CDATA[New York co-op boards are notorious for scrutinizing prospective buyers with the intensity of federal investigators. The application and interview process can be lengthy and exhausting for someone looking to move into a cooperative. As such, many buyers look to condos as a way to avoid the whole daunting process. However, condos in New York City have their own way to screen buyers: the nearly universal&#8212;though rarely invoked&#8212;right of first refusal (ROFR), which is written into the bylaws of most New York condominiums. ]]></description>
					  <author>no@spam.com (Stephanie Mannino)</author>
					  <pubDate>Thu, 31 Jul 2008 13:40:29 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/391/1/Not-in-the-Garden-State/Page1.html</guid>
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					  <title><![CDATA[Changing Your Condominium&#039;s Tax Filing Status Can Net Savings]]></title>
					  <link>http://njcooperator.com/articles/390/1/Changing-Your-Condominium039s-Tax-Filing-Status-Can-Net-Savings/Page1.html</link>
					  <description><![CDATA[For the uninitiated, tax filing for something as complicated as a community association can seem a daunting task. Fortunately, there are multiple options for homeowners associations, and with a little background knowledge, you can take the first steps toward making the right choice for your particular situation. ]]></description>
					  <author>no@spam.com (Laura V. Scheel)</author>
					  <pubDate>Thu, 31 Jul 2008 13:39:02 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/390/1/Changing-Your-Condominium039s-Tax-Filing-Status-Can-Net-Savings/Page1.html</guid>
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					  <title><![CDATA[Collecting &#039;Arrears&#039; its Ugly Head]]></title>
					  <link>http://njcooperator.com/articles/307/1/Collecting-039Arrears039-its-Ugly-Head/Page1.html</link>
					  <description><![CDATA[Monthly charges, including common charges, emergency repairs, special assessments, maintenance fees, dues and so forth, are a big part of owning a condominium in New Jersey. When an owner is late, or misses monthly payments entirely, it affects the association as a whole and can adversely impact the entire community.]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Fri, 10 Aug 2007 12:25:31 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/307/1/Collecting-039Arrears039-its-Ugly-Head/Page1.html</guid>
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					  <title><![CDATA[Budgeting for New Jersey&#039;s Citizens]]></title>
					  <link>http://njcooperator.com/articles/306/1/Budgeting-for-New-Jersey039s-Citizens/Page1.html</link>
					  <description><![CDATA[For the first time since Fiscal Year (FY) 2001, New Jersey's state budget does not rely on tax or fee increases. Gov. Jon S. Corzine signed a $33.47 billion state budget for FY 2008 that is committed to no new taxes, substantial tax relief and serious protection for the most vulnerable members of society. ]]></description>
					  <author>no@spam.com (Kelly Miner)</author>
					  <pubDate>Fri, 10 Aug 2007 12:19:41 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/306/1/Budgeting-for-New-Jersey039s-Citizens/Page1.html</guid>
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