Death and Taxes

From the Record:

North Jersey property taxes rising, again

The typical North Jersey homeowner will pay about $375 more in property taxes over the next year — and will get less for the money in many cases, as communities scale back services.

Tax bills will rise by 4.1 percent, to $9,053, for the typical home in Bergen County and by 5.6 percent, to $8,190, in Passaic County, according to an analysis by The Record.

Residents are shouldering a larger share of the cost to run schools and local and county governments, due to a significant drop in state aid and other revenue, officials said. At the same time, many communities have laid off employees, instituted hiring freezes or cut programs.

“It’s a double whammy,” said William Dressel, executive director of the New Jersey State League of Municipalities.

Residents in many of the region’s lower-income communities were hit with the largest increases.

In the city of Passaic, where 18 police jobs have been eliminated, residents will see a 12.4 percent spike The typical tax hike in Saddle Brook, which laid off five public works employees, will be 7.2 percent. And in Paterson, which put in place employee furloughs, homeowners will pay 9.7 percent more this year.

Meanwhile, Tenafly, Allendale, Palisades Park, Teaneck and Fairview all kept the median tax bill from growing by more than 2 percent.

Local officials said the rise was largely due to factors out of their control: a drop in state aid and increases in health insurance premiums, energy costs and required contributions to the state pension system.

“This is the most difficult time I’ve seen in local government,” said Stephen LoIacono, city manager in Hackensack. “People are angry. It seems like people are demanding more services. The economy is bad, people are losing jobs, people are losing their homes and this is another piece of the pressure people feel.”

This entry was posted in New Jersey Real Estate, Property Taxes. Bookmark the permalink.

136 Responses to Death and Taxes

  1. D says:

    Good morning!

  2. Confused In NJ says:

    If you retire before you die, you enjoy it more.

  3. safe as houses says:

    How come no one is complaining about vendor supply contracts to the state and munis? I bet virtually every item in one of those items can be purchased for a lot less from amazon or a big box store.

  4. Lamar says:

    Nice, sunny days mask the coming oblivion.

    Don’t let it fool you.

  5. JIM says:

    This is why taxes keep going up, the town BOE is giving this turkey a five year “deal” worth $50,000 over Christies cap. Another way of saying Screw the taxpayer, we will not keep school costs under control. When will this gravy train end?

  6. Outofstater says:

    According to this study from Northwestern, NJ’s pension plans run out of money in 2018, and that’s assuming an 8 % return. Many other states are in the same boat.

  7. Mike says:

    But he stock market is going up and away?

  8. Mike says:

    he = the

  9. scribe says:

    My brother was talking about this last weekend, about how his property taxes in Sussex had gone up more than ever because state aid was cut, and he also has to pay for his daughter’s school activities – not bad, $150, but a new charge.

  10. NJCoast says:

    From previous post-

    Thanks SL and all for the tips. I’ve been a laundering fiend since the breakout. Even had the cats laundered (sent to the groomers). I carry around a bottle of rubbing alcohol and slather it on whatever I’m about to touch. The offending vine has been identified by several people familiar with poison ivy, now I just have to get the stuff off my property. How do you get rid of the plants?

  11. Outofstater says:

    #5 It will end when the people throw the boards of education, the town councils and the mayors out of office and demand that the gravy train end. And the sooner it happens, the better. The current system is not sustainable only the people really don’t get it. They really do not understand that jobs, benefits and salaries have to be cut, and not just in NJ. Everyone who isn’t named Jamie Dimon or Lloyd Blankfein is going to take a hit. Public employees really don’t understand that there is no money. They do not believe that they won’t get their full pensions and free medical for life. That’s why they are not paying attention. They think the money will magically appear from somewhere and make everything all better because those benefits were promised.
    I have a question – public pensions and benefits are guaranteed by the state but what does that mean? Is there a constitutional requirement to pay the benefits promised? What if the state has no money? Does that mean that current revenue has to go to pay benefits as other programs are not funded? Wouldn’t that soon make states in that position look like third world backwaters with crumbling schools, no parks or libraries and potholed streets? Or are the states counting on a federal bailout, so the good people of Nebraska and North Dakota pay for everyone else?

  12. Outofstater says:

    #10 Roundup has a special blend just for poison ivy, oak, sumac, etc. I’ve used it and it works pretty well. Saturate the leaves on a warm dry day. They should start to die in a day or two. Keep watching for new plants – the birds spread the seeds.

  13. Mike says:

    Outofstater especially when the private sector is not getting anywhere near what the public is getting. With the exception of wall streeters, they’re still entitled to there bonus.

  14. Shore Guy says:


    I have found that Roundup works as well.

  15. Shore Guy says:

    How does one go about swllowing a pen?

    “Psychiatric disorders are common among people who intentionally swallow foreign objects, a behavior that is costly for the health-care system, a new study shows.
    Researchers at Rhode Island Hospital identified 305 cases of intentional ingestion of foreign objects at the hospital over eight years. The most common items were pens (24%), batteries (9%), knives (7%) and razor blades (7%).”


  16. Libtard and the City says:


    If you have tons of ivy/sumac, it is virtually impossible to get rid of all of it. Though, you can control it with the round-up mentioned above. The moment you see the leaves, spray away. To truly rid your property of it professionally is cost prohibitive and chemical-intensive. Spray the round up every two weeks on saplings and you’ll be fine. Word to the wise, never burn it and if you do choose to remove it yourself, wear nothing less than a hazmat suit if you are allergic to it.

  17. Shore Guy says:

    And remember thet the vines themselves can get you, not just the leaves.

  18. New in NJ says:

    Quite some years ago I had some persistent poison ivy in my yard. My first attack on the weed, despite my wearing long pants, long sleeves and gloves, resulted in my getting a few breakout spots. The next time I used a special poison plant barrier cream called Ivy Block, and I had no breakouts at all. I can’t say with 100% certainty that the barrier cream was the key, but it can’t hurt to add one more layer of protection.

  19. onthebrink says:

    Just an update:
    We finally decided we could turn blue waiting for Ridgewood to come to reasonable levels. We found a place we liked in the neighboring area and are making an offer on it. Does anyone have a home inspector they can recommend in Bergen county?

    Thanks to everyone on this board for the sanity checks and advice. We greatly benefited from it.

  20. Outofstater says:

    #16 Second that – NEVER burn poison ivy!! Even if you’ve never had a reaction to it, the smoke will get you.

  21. jamil says:

    Shore Guy,

    I heard you were laid off (or was it suspended only?) once your employer found out about your campaign donations to three candidates. I hope you are fine, and I’m sure all 27 of your regular viewers agree. MSNBC should change its ethical rules, it is not that anybody got confused about who you were worshipping.

  22. cobbler says:

    Poison Ivy: right now, don’t do anything with Roundup or any other pesticides as the plants are already hibernating, and the poison wouldn’t get through. If the leaves are still there (so you can ID the poison ivy), get thick rubber gloves, garden shears and a heavy duty garbage bag; cut out the vines and bag them, wipe the shears with the solvent, then make sure you don’t touch the gloves when removing and disposing them. Next Spring, get a gallon-size spray tank of Poison Ivy grade Roundup or a similar product, get with it into your backyard every 2 weeks beginning in early May and spray whetever poison ivy leaves you see through the whole season. They should be quite dead by the next Fall; just in case, make checks the next year.

  23. Fabius Maximus says:

    #21 Jamil

    How was that Paladino victory party?

  24. speedkillsu says:

    You see the idea is think outside the box …My taxes went down due to the method of payment 2006 tax 19,876 =37.24 oz Au ..2010 tax 22,182.=19.76 AU …it’s all in the delivery

  25. Shore Guy says:

    “Tax bills will rise by 4.1 percent, to … 5.6 percent”

    Hey, losers. If you cant afford to pay the increases, whatever they may be, you are not the right people to be living here.

  26. reinvestor101 says:

    I’ve been sleeping like a damn baby every since Tuesday. We’ve got some real Americans in the damn congress now to reign in the stinking liberals and our commie president. Finally, now we’ll get some damn common sense control over the damn spendthrift congress. It’s because of the stinking liberals that poor Bernanke had to do what he had to do this week. Since all Obama tried to do was pass out a bunch of damn stinking pork to his liberal cohorts, Bernanke had to come in to stimulate things in a proper fashion. I keep hearing the stinking liberals complain about what he’s trying to do and they really need to shut the hell up. You liberals lost and I’m starting to believe that all this damn dissension smacks of being subversive. I love to see the congress pass a damn law to arrest anyone who has anything to say other than something supportive about poor Bernanke and the banks. Every American should be prepared to sacrifice and stop being so damn selfish so the banks can return to profitability.

  27. Fast Eddie says:

    Fuk the Jets, Rex Ryan is a blowhard.

  28. Fast Eddie says:

    Cousins kid had parent/teacher conferences recently; not one of the kids teachers showed up. And why should they? When you’re guaranteed a job regardless of performance, who cares!! The parents were beyond furious. I pray for the day every public job is replaced by private sector competition. I’m on a postage size lot and my taxes are approaching $9000 per year. It’s at the point where the protests are about to go beyond verbal shouting.

  29. reinvestor101 says:

    Yes, the real estate terrorists have put this damn country in a bad spot, but it’s time for real Americans to stand the hell up and be counted. Be counted for what you ask? Well, all of us need to do our damn part to help our country.

    Let’s get something damn straight. None of us can sit the hell idly around while BOA, JP Morgan and Citi struggle. None of us can sit around letting people call for BOA to be put in a damn receivership without getting emotional about it. How long have you banked at these banks? Surely, your heart will be in sorrows if one of them doesn’t survive. So hell yes, I think there’s something every American can do to support our financial institutions and the Fed. First, pay your damn mortgage and your damn credit card and stop moaning about them getting free money while charging you 21% plus on your damn credit card. You couldn’t have gotten the damn stuff you bought on the card unless they were nice enough to give it you. Same applies to your damn house.

    Now’s the time for all good Americans to pull together and help our fellow Americans who need it the most–our banks. If I have to go hungry and wear tattered damn clothing, I’m willing to do that so the banks can survive. That’s called loving your damn country.

  30. grim says:

    From NPR:

    Homeowners Say Loan Mods Led Them To Foreclosure

    Grocery store owners William and Esperanza Casco were making enough money to stay current on their mortgage, but when JPMorgan Chase & Co. offered a plan that reduced their payments, they figured they could use the extra cash and signed up.

    The Cascos say they never missed a subsequent payment, so they were horrified when the bank decided the smaller payments weren’t enough and foreclosed on their modest Long Beach home.

    Their story is echoed across the country by people who claim — some in lawsuits — that banks didn’t live up to their end of the deal when they agreed to trial mortgage modifications.

  31. Wildie says:

    Nice job, governor Christie. Lost us $400 million in federal aid, cut taxes for the wealthiest, killed the most important infrastructure project this state has needed, unemployment still high, NJ transit rates skyrocket, and now property taxes shoot up. Seriously, what has this guy done?

  32. Mr Wantanapolous says:

    “I’ve been sleeping like a damn baby every since Tuesday”


    Do us a favor, go back to sleep. Come back with a new gig. Yawn.

  33. Outofstater says:

    #31 What has he done? He has seen the obvious and acted upon it. New Jersey is broke.

  34. serenity now says:

    Re#33 NJ is broke……
    Broke is such an ugly word-
    Let’s just say financially challenged,
    and go back to our reality shows.

  35. Comrade Nom Deplume says:

    [21] jamil

    You’re a fellow member of the VRWC, but dude, that dog won’t hunt.

  36. Comrade Nom Deplume says:

    Well, the first meeting of the NJRER Brewing Group has resulted in a porter that is quietly fermenting now in the dungeons of Chateau De Plume. With luck, Grim’s Reaper will be bottled in a few weeks. Then off to a GTG for its unveiling.

    Special thanks to “Professor” Morpheus for the tutorial and all the manual labor. Thanks also to Schrodinger’s Cat and Firestormik for the food, ale, and help.

  37. Comrade Nom Deplume says:

    [31] Wildie

    He stanched the bleeding. Isn’t that what you loved about Chairman O?

  38. Confused In NJ says:

    Interesting that no one in power is willing to address the real reason behind high unemployment, which is the government support of exporting Real Jobs. The charade of replacing Real Jobs with Pseudo Service Jobs is unraveling. Does O address this, No, he has Benny further monetize debt with more QE2 printing. All Presidents and Member of Congress, serving after DDE left office, need to be tried & executed for Treason. That includes Donkeys & Elephants. Carter, Bushes , Clinton & Obama are all guilty of Treason. If you can’t recognize the problem & cause, you can’t fix it.

  39. nj escapee says:

    Confused, re: 38, agree 100%.

  40. Juice Box says:

    G20 gonna give Geithner and Bernake an ulcer or two.

    Leading economies should consider readopting a modified global gold standard to guide currency movements, argues the president of the World Bank.

    Writing in the Financial Times, Robert Zoellick, the bank’s president since 2007, says a successor is needed to what he calls the “Bretton Woods II” system of floating currencies that has held since the Bretton Woods fixed exchange rate regime broke down in 1971.

    Mr Zoellick, a former US Treasury official, calls for a system that “is likely to need to involve the dollar, the euro, the yen, the pound and a renminbi that moves towards internationalisation and then an open capital account”. He adds: “The system should also consider employing gold as an international reference point of market expectations about inflation, deflation and future currency values.”

    His views reflect disquiet with the international system, where persistent Chinese intervention to hold down the renminbi is blamed by the US and others for contributing to global current account imbalances and creating capital markets distortions.

    This week’s meeting of government heads in South Korea is likely to see yet more exchange rate conflict. A US plan for countries to sign up to current account targets has run into widespread opposition.

    Wolfgang Schäuble, Germany’s finance minister, has raised the temperature by describing the US economic model as being in “deep crisis” and criticising the US Federal Reserve’s decision to pump an extra $600bn into financial markets. “It is not consistent when the Americans accuse the Chinese of exchange rate manipulation and then steer the dollar exchange rate artificially lower with the help of their [central bank’s] printing press.”

    Although there are occasional calls for a return to using gold as an anchor for currency values, most policymakers and economists regard the idea as liable to lead to overly tight monetary policy with growth and unemployment taking the brunt of economic shocks.

    The original Bretton Woods system, instituted in 1945 and administered by the International Monetary Fund, the World Bank’s sister institution, comprised fixed but adjustable exchange rates linked to the value of gold. Controls to restrict destabilising shifts of capital from one economy to another buttressed it.

    “The scope of the changes since 1971 certainly matches those between 1945 and 1971 that prompted the shift from Bretton Woods I to II,” Mr Zoellick writes. “Although textbooks may view gold as the old money, markets are using gold as an alternative monetary asset today.”

  41. Jason says:

    I still can’t believe most teachers, and many local gov’t/union employees don’t pay a DIME to their own health plans.

    Pay for your own health plans, like the rest of us!

  42. Shore hat airport delays Guy says:

    There is nothing like being trapped by poor-performing airlines.

  43. Shore hat airport delays Guy says:

    There goes Monday’s schedule, and possibly much of Tuesdays also. @~#@$@%%@

  44. Shore hate airport delays Guy says:

    The Süddeutsche Zeitung has nailed BO, and this points to the basic reason why I don’t think he will run in ’12. After all, he will need to be gearing up in 9 months from now if he is going to run.

    “Two years ago his vision inspired voters. Today the same man often sounds strangely bloodless. Back then his cool, self-assured composure impressed many, now the same character comes across as cold, arrogant, even elitist. The right may well put on a shrill rough performance, and stand in the media spotlight. However, this president was never going to win votes on the right anyway. Obama’s historic victory in 2008 was created by the middle of American society — the independent voters and the suburbanites. It is this center that has abandoned him.”

    this comes via:,1518,727235,00.html

  45. Shore hate airport delays Guy says:

    And, from that same link:

    The conservative Die Welt writes:

    “The country is experiencing a new version of an ancient dispute over the heart of America. It is about what belongs to the state and what belongs to the citizens. The Tea Party wants less redistribution and more individual responsibility. The fall from grace for them was the bank bailout, because for them freedom includes risking failure. Many of the Tea Party people are ‘libertarians’ who are horrified to see managers on Wall Street make huge profits for years and then see the entire population have to bear their losses.”

  46. Shore hate airport delays Guy says:

    Und, dieser:

    The business daily Handelsblatt writes:

    “It was the state of the economy that cooked up the devastating defeat for Barack Obama in the congressional elections. And it could also be the economy that disappoints him when it is time for his re-election bid in two years. After all, a rescue is nowhere in sight. Congress threatens to be paralyzed and the financial instruments are exhausted. If one were a pessimist one would say that the only hope Obama has is a miraculous reactivation of the US economy. But it remains a mystery where that is supposed to actually come from.”

    “Barack Obama could tell the voters the truth. He could explain that the US economy is not competitive enough, that they have to make savings, and that it is not enough to look elsewhere for someone to blame, for example China and its currency policy. Obama could tell the Americans that the country is facing tough years ahead, before things improve. He could dare to cut spending significantly and use the resources that this frees up to invest in innovation. He could do everything to make sure dynamic US firms prosper and that no companies are rescued just because they are big. However, such a message does not win votes. Obama will instead save the Americans these painful facts. And will bet everything on hope.”

  47. Shore hate airport delays Guy says:

    ” Lost us $400 million in federal aid”

    Good. Federal aid is just the USG reaching its hand into some taxpayer’s pocket and shoving into another taxpayer’s pocket a bit of what it finds. I for one am tired of having hands in my pockets.

  48. Shore hate airport delays Guy says:

    If anyone on the East Coast is still awake, did anyone else see this?

    Big Banker is watching you—more closely than ever.

    With lenders still skittish about making new loans, credit bureaus and others are hawking services that help banks probe deeply into your financial closet. The new offerings include ways to look at your rent and utility payments, figure out your income, gauge your home’s value and even rate your banking habits based on details like whether your direct deposits have stopped.

    All of this could influence your financial freedom—not to mention the number of junk-mail solicitations you receive.

    Ken Lin, CEO of Credit Karma, a credit-score information website, knew he had a good credit score. But when he recently applied for a new credit card, he was rejected: The lender had flagged him as a higher credit risk because the value of his California home had declined and his mortgage principal wasn’t declining—giving away that he has an interest-only mortgage.

    “It’s a lot more than just your credit score today,” he says.

    Your credit record still matters, of course. But here are some newer ways lenders and financial-services companies are sizing up your financial behavior and credit-worthiness:

    • Bank-depositor behavior scores. Fair Isaac, the creator of the widely used FICO credit score, is marketing bank-depositor behavior scores, which are used by banks to assess their own customers.

    The scores are based on balances, deposit records and withdrawal activity


    • Income estimation. This business took off earlier this year after the Federal Reserve allowed lenders to use credit bureaus’ income estimates to satisfy new requirements that credit-card applicants show the ability to pay their debts.

    The bureaus use credit-record information, such as the size of your credit lines and the age and size of your mortgage, and plug it into models to predict your earnings. Those estimates also may be used to double-check the income you report on credit applications or to determine if you should be preapproved for credit.

    You can’t see those estimates. But if you are denied credit because of them, you must be given a chance to provide additional information.

    • Rent payments. An estimated 40 million consumers, including young people and people who prefer to pay in cash, have too little credit experience to generate a useful credit score. But they are likely to pay rent or utility bills, which could help credit bureaus better assess their credit-worthiness.


  49. Shore hate airport delays Guy says:

    “I still can’t believe most teachers, and many local gov’t/union employees don’t pay a DIME to their own health plans.”

    This is because they had better negotiators than the rest of us.

  50. Sterling Grey Matters says:

    When James Renfro had to stop making payments on his two-story fixer-upper in Parma, Ohio, a suburb of Cleveland, he triggered events that were supposed to result in the forced sale of his home.

    That Nov. 15 auction has been canceled because of defects in documents submitted by his loan servicer, Ally Financial Inc.’s GMAC Mortgage unit. Two affidavits about Renfro’s home were signed by Jeffrey Stephan, a GMAC employee who said in sworn depositions in Florida and Maine that he hadn’t read thousands of affidavits he’d signed.

    Renfro’s case has created a showdown between GMAC and Ohio’s Attorney General Richard Cordray. Cordray has asked Cuyahoga County Court of Common Pleas Judge Nancy Russo not to let GMAC simply submit new documents to cure defects without consequences. He’s taken the same stand against Wells Fargo & Co…


    In potentially thousands of cases across the U.S., judges have the power to impose “sanctions, penalties, fines and even default,” as the banks try to submit substitute paperwork to proceed with flawed foreclosures, Cordray said.

    “The banks want to wish this away and pretend like it doesn’t exist,” he said.


    GMAC said in a filing withdrawing the sale of Renfro’s four-bedroom home from auction that “verification irregularities may have occurred.” Judge Russo said in an interview that until hearing the evidence, she has no way of telling whether the documents represent an error, negligence, or fraud, and that other judges will have to make the same time- consuming inquiries.

    “If Ohio has 10,000 of these cases, there should be 10,000 hearings,” Russo said. “I’m sympathetic to the fact that it’s onerous for the lenders, but I still have to do my job.”


    “If courts around the country do not handle this on an individual case basis and there are later problems with the title, the courts will have participated with the clouding of the title,” Russo said. “The potential for harm is so immense at so many levels.”

  51. Confused In NJ says:

    49.Shore hate airport delays Guy says:
    November 7, 2010 at 11:52 pm
    “I still can’t believe most teachers, and many local gov’t/union employees don’t pay a DIME to their own health plans.”

    This is because they had better negotiators than the rest of us.

    More like they put their own people on boards that grant their benefits.

  52. grim says:

    Does anyone have a home inspector they can recommend in Bergen county?

    Talk to Sean at Guardian Home Inspection in Cresskill.

  53. Allison says:

    I am a teacher and my husband is a retired police officer (he’s 47 years old on 6 figure pension).

    Yes we barely pay for our health benefits and our pensions NEVER drop like your crappy 401(k)’s.

    We live in tony Ridgewood, don’t be mad at me because you live in the ghetoo HAHA!!

    THanks for the free lunch, SUCKERS!!!

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  136. why often the tears in my eyes,i love the things so deeply!

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