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				<title><![CDATA[The New Jersey Cooperator, The Condo, HOA & Co-op Monthly - Articles - Finance]]></title>
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					  <title><![CDATA[Year End Housekeeping]]></title>
					  <link>http://njcooperator.com/articles/830/1/Year-End-Housekeeping/Page1.html</link>
					  <description><![CDATA[&nbsp;Organizing and keeping a co-op or condo&rsquo;s books and other records is, on the surface, not that different than keeping a
&nbsp;budget for one&rsquo;s home. 
]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Tue, 10 Jan 2012 09:48:16 EST</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/830/1/Year-End-Housekeeping/Page1.html</guid>
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					  <title><![CDATA[Creative Financing for Your Co-op or Condo]]></title>
					  <link>http://njcooperator.com/articles/809/1/Creative-Financing-for-Your-Co-op-or-Condo/Page1.html</link>
					  <description><![CDATA[&nbsp;The main source of any condo or co-op&rsquo;s revenue comes from monthly maintenance fees. That seems self-evident. 
&nbsp;]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Tue, 08 Nov 2011 09:54:33 EST</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/809/1/Creative-Financing-for-Your-Co-op-or-Condo/Page1.html</guid>
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					  <title><![CDATA[Good Board, Bad Board]]></title>
					  <link>http://njcooperator.com/articles/781/1/Good-Board-Bad-Board/Page1.html</link>
					  <description><![CDATA[&nbsp;It doesn&rsquo;t matter if you are managing a towering high-rise or a sprawling suburban
&nbsp;association, co-op and condo boards usually have their fair share of problems
&nbsp;to be solved and emergencies to be defused. Talk to enough people who have
&nbsp;dealt with these situations and they can tell you that it&rsquo;s no picnic&mdash;at times quarrels between neighbors can get ugly, and elected administrators
&nbsp;sometimes act selfishly instead of for the greater good. 
]]></description>
					  <author>no@spam.com (Bernadette  Marciniak)</author>
					  <pubDate>Fri, 05 Aug 2011 11:24:50 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/781/1/Good-Board-Bad-Board/Page1.html</guid>
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					  <title><![CDATA[Managing Your Most Valuable Asset:]]></title>
					  <link>http://njcooperator.com/articles/780/1/Managing-Your-Most-Valuable-Asset/Page1.html</link>
					  <description><![CDATA[&nbsp;Owners of condominiums and cooperatives in urban areas of New Jersey like
&nbsp;Hoboken or Jersey City with parking garages in or adjacent to their building
&nbsp;are blessed in so many ways. The ability to drive right up to your front door
&nbsp;provides a level of satisfaction almost beyond words. 
]]></description>
					  <author>no@spam.com (Steven Cutler)</author>
					  <pubDate>Fri, 05 Aug 2011 11:24:10 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/780/1/Managing-Your-Most-Valuable-Asset/Page1.html</guid>
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					  <title><![CDATA[Getting Your Fair Share]]></title>
					  <link>http://njcooperator.com/articles/779/1/Getting-Your-Fair-Share/Page1.html</link>
					  <description><![CDATA[&nbsp;We all want to get what we pay for&mdash;and nobody wants to pay for goods or services they don't actually receive. This
&nbsp;is especially true of homeowners associations when it comes to big-ticket
&nbsp;municipal services like snow and garbage removal, street lighting, and so
&nbsp;forth. In light of that, it's perhaps surprising how many New Jersey HOAs are
&nbsp;unaware that they may be overpaying for these services, or are owed
&nbsp;reimbursement for them from their municipalities. 
]]></description>
					  <author>no@spam.com (Hannah Fons)</author>
					  <pubDate>Fri, 05 Aug 2011 11:23:25 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/779/1/Getting-Your-Fair-Share/Page1.html</guid>
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					  <title><![CDATA[The Impact of Arrears]]></title>
					  <link>http://njcooperator.com/articles/778/1/The-Impact-of-Arrears/Page1.html</link>
					  <description><![CDATA[&nbsp;As the recent recession has lingered on, co-ops and condo associations across
&nbsp;the region&mdash;from luxurious waterfront high-rises to sprawling suburban developments&mdash;have found more of their residents in arrears with their monthly fees. Some of
&nbsp;these people have lost jobs, and unemployment has forced them to prioritize
&nbsp;(and sometimes skip) their monthly bills. Credit cards and mortgage payments
&nbsp;often are paid first, followed by utilities and property taxes. 
]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Fri, 05 Aug 2011 11:22:48 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/778/1/The-Impact-of-Arrears/Page1.html</guid>
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					  <title><![CDATA[Shopping Smart]]></title>
					  <link>http://njcooperator.com/articles/777/1/Shopping-Smart/Page1.html</link>
					  <description><![CDATA[&nbsp;The day-to-day costs of running a multifamily residential building are
&nbsp;significant. There&rsquo;s the fuel oil, electric, cleaning supplies, equipment maintenance and service
&nbsp;calls for repair and upkeep. Then there are the insurance costs, landscaping,
&nbsp;trash removal, snow removal, advertising, property taxes, and maintenance fees. 
]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Fri, 05 Aug 2011 11:22:06 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/777/1/Shopping-Smart/Page1.html</guid>
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					  <title><![CDATA[Planning for the Worst]]></title>
					  <link>http://njcooperator.com/articles/776/1/Planning-for-the-Worst/Page1.html</link>
					  <description><![CDATA[&nbsp;Tsunamis, earthquakes, tornadoes&mdash;these are just a few of the devastating disasters that have made headlines
&nbsp;already in 2011 and created emergency situations that many never thought
&nbsp;possible. 
]]></description>
					  <author>no@spam.com (Keith Loria)</author>
					  <pubDate>Fri, 05 Aug 2011 11:20:58 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/776/1/Planning-for-the-Worst/Page1.html</guid>
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					  <title><![CDATA[Money in the Bank]]></title>
					  <link>http://njcooperator.com/articles/775/1/Money-in-the-Bank/Page1.html</link>
					  <description><![CDATA[Perhaps one of the most difficult aspects of the recent recession was the sudden
&nbsp;evaporation of credit from major banks and lending institutions. The logic
&nbsp;behind it was understandable: too much easy credit had led, in part, to the
&nbsp;collapse that stunned the nation and then the world in 2008. Although some
&nbsp;housing markets were less affected than others (Florida and Nevada have been
&nbsp;especially hard-hit) everyone still felt the shifts. Among the repercussions
&nbsp;was a new set of regulations issued by the Federal Housing Administration (FHA)
&nbsp;in February 2010 which created a number of requirements for any building that
&nbsp;wished to accept FHA-backed mortgage loans. 
]]></description>
					  <author>no@spam.com (Liz Lent)</author>
					  <pubDate>Fri, 05 Aug 2011 11:20:06 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/775/1/Money-in-the-Bank/Page1.html</guid>
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					  <title><![CDATA[Collecting Unpaid Debts]]></title>
					  <link>http://njcooperator.com/articles/770/1/Collecting-Unpaid-Debts/Page1.html</link>
					  <description><![CDATA[&nbsp;Consider the following all-too-common scenario: your condominium association has
&nbsp;one delinquent unit owner who owes three months of common charges totaling
&nbsp;$915.00 before late fees. Statements have been sent without response, and
&nbsp;telephone calls are not being answered. If you're like most buildings, your
&nbsp;operating expenses hinge on reliable cash inflow from owners' fees every month&#8212;and that $915.00 is being sorely missed. What steps can your building take to
&nbsp;collect this debt? 
]]></description>
					  <author>no@spam.com (Stacey R.  Patterson)</author>
					  <pubDate>Fri, 08 Jul 2011 14:32:57 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/770/1/Collecting-Unpaid-Debts/Page1.html</guid>
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