www.tabernaclesun.

com

FREE

DEC. 1016, 2014

Committee
dissolves
fire district

Seneca students pack toys for children in need

Township will be
responsible for fire
services as of Jan. 1
By NICK COHEN
The Sun

NICK COHEN/The Sun

Peter Moody and Rebecca Dean of the Seneca Student Council pack toys for families in need as part of the organizations annual toy
drive. Toys filled tables throughout the Seneca cafeteria on Dec. 4 as organizations from across Burlington and Camden counties came
to pick up toys that will then go to kids in need. For the full story, see page 6.

On Nov. 25, 2013, the Tabernacle Township Committee was presented with a petition to dissolve
the townships fire district.
After numerous discussions,
months of public comments and
a twice-delayed hearing with the
Local Finance Board, the committee elected to dissolve the fire district at its December meeting.
The Local Finance Board,
which is part of the states Department of Community Affairs,
voted on Nov. 12 to accept the request of a petition submitted to
Tabernacle Township by resident
Shawn Vena to dissolve the Tabernacle Fire District. The committee then created an ordinance
approving the dissolution of the
district, which will bring the
management of the townships
fire services back under the committees control.
The Tabernacle Fire Commissioners along with their attorney,
please see TOWNSHIP, page 13

INSIDE THIS ISSUE

Wine Fest
Holy Eucharist Church
hosting its annual event. PAGE 3

Calendar . . . . . . . . . . . . . . . . 8
Classified . . . . . . . . . . . 20-23
Editorials . . . . . . . . . . . . . . . 6

DEC. 1016, 2014 THE TABERNACLE SUN 3

Holy Eucharist
Church hosting
Winter Wine Fest
fice at (609) 268-8383 ext. 100, and
visit
the
website:
www.holyeucharist.org.

NJ Lic. #13vh0111555900

Holy Eucharist Church, 520

Medford Lakes Road in Tabernacle, is hosting its ninth annual
Winter Wine Fest on Saturday,
Jan. 24 from 7-10 p.m. (Snow date
is Jan. 31.) Tickets are $40.
At this event, 16 local restaurants will be showcasing some of
their finest foods for tastings.
There will be wine selections
from around the world, raffle baskets such as getaways to the Borgata Hotel and Cape May, a super
50/50, last year's winner won
$8,000, and door prizes galore
with a grand door prize of a
cruise to Bermuda. There will be
music by Michaels and Mazz. For
more information or to purchase
tickets, please call the parish of-

CALL NOW FOR FOR WINTER SAVINGS!

Lenape district hosting

chorus festival Dec. 14
The Lenape Regional High
School district cordially invites
you to attend a special performance of A Holiday Chorus Festival on Sunday, Dec. 14 at 2 p.m. in
the Lenape Regional Performing
Arts Center, 130 Tomlinson Mill
Road, Cherokee High School
South.
The performance will feature
the Seneca High School Chamber
please see ATLANTIC, page 5

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DEC. 1016, 2014 THE TABERNACLE SUN 5

Atlantic City Electric

donates smoke alarms
ATLANTIC
Continued from page 3
Singers, Cherokee High School
Concert Choir, Lenape High
School Concert Choir and the
Shawnee High School Singers.
Admission is free. For additional information, please call
(609) 268-2000 ext. 5521.

AC Electric donates
smoke alarms
Residents in several communities in Burlington County will
benefit from a donation of 250
smoke alarms from Atlantic City
Electric.
The company, based in Hamilton, Atlantic County, donated the
devices to Burlington County
Fire Marshal Mike Reed during a

recent meeting of the Burlington

County Board of Freeholders as
part of the companys Emergency
Services Partnership Program.
Through the program, 2,000 10year, long-life fire safety alarms
will be dispersed to eight counties
in Atlantic City Electrics service
area. The donation provides resources for county fire marshals,
which give the smoke alarms to
residents who need them, the
company said.
In Burlington County, Atlantic
City Electric serves Bass River,
Evesham, Medford, Shamong,
Southampton, Tabernacle, Washington and Woodland.
Vince Maione, a Shamong resident who is the companys region
president, said in a statement that
the donations continue to support
public safety such as fire service,
please see LOWES, page 7

"

% $$$

THE TABERNACLE SUN DEC. 1016, 2014

in our opinion

A lose-lose for our young adults

Some troubling statistics about our states youth were released last week
ew Jerseys youth and young
adults outpace their counterparts in the country in a lot of
key measurables. They graduate high
school at high rates; more of them
earn at least a bachelors degree; and
they make more money, on average.
But New Jerseys young adults also
outpace the rest of the country in
their demographic in two odd categories more of them stay single, having never married, and more live at
home with their parents.
Two reports released last week
painted this confusing, and somewhat
troubling, picture of our states youth.
First, the Department of Education
released data that the states high
school graduation rate rose to 88.6 percent in 2014, up from 87.5 percent in
2013 and 86.5 percent in 2012. Thats
great news.
Then, the U.S. Census Bureau released data on each states 18- to 34year-old demographic. Almost 30 per-

Your thoughts
What are your thoughts on how New
Jersey can improve the job and living
outlook for young adults? Share your
thoughts on this, and other topics,
through a letter to the editor.

cent of New Jerseys young adults

hold a bachelors degree, compared to
22 percent for the rest of the country,
and up from 19 percent in 1980. They
have a median income around $41,000
(compared to around $34,000 nationally). But 71.1 percent of this demographic has never been married (65.9
percent nationally) and 40.5 percent
(30.3 percent nationally) still live with
their parents. Furthermore, while the
median income is higher than the rest
of the country, when adjusted for inflation, its actually $4,000 less than it
was in 1990.
All of this data can be attributed, in
large part, to the Great Recession and

the states high cost of living. Our

countrys economy changed dramatically a few years ago, and while its
better now, it still isnt back to full
power.
So what can we do about this? It
might seem like were playing a broken record, but New Jerseys government needs to find ways to make it easier, and more affordable, for our young
adults to live and work in our state.
Its tough to get a job in New Jersey,
even though there is plenty of business here, and its even tougher to find
affordable living. The cost of renting
is high, and while it is a good time to
buy a home, its a tough thing for a single, young adult to do.
If we dont find a way to change the
outlook for our youth, well soon find
that they will look elsewhere for better, and more affordable, opportunities. And losing residents, especially
from that demographic, would not be
good.

Seneca collects toys for children in need

By NICK COHEN
The Sun
Santa Claus has some help this holiday
season, courtesy of the Seneca High
School student council.
The schools annual toy drive concluded
last week with hundreds of toys being
loaded into vans, buses and trucks that will
then be distributed to children in need for
the holidays.
Erica Maira, who works in the schools
guidance office, has been the advisor for
student council the last four years. The toy

drive is a favorite of hers and many of the

kids in student council.
The amount of toys varies year to year
with families moving into the area or moving away, but its always great to do as
much as we can, Maira said.
Student council president Russell Bauer
and members Peter Moody and Rebecca
Dean were just a few of the Seneca students helping pack the toys that were collected in November and earlier this month.
Students from surrounding schools in
the district collect toys and bring them into
donate. Indian Mills Memorial School in

Shamong, Cranberry Pines in Medford and

Olson Middle School all participated in
this years drive. The credit belongs to
those students as well, Maira said.
The students at those schools really do
a great job of collecting the toys, Maira
said. We share the letters the kids who receive the donations send us, and it really
gets the other students excited to help out.
Senecas student council cleaned and organized the toys and displayed them in the
cafeteria on Dec. 4. Representatives from
please see READING, page 11

108 Kings Highway East

Haddonfield, NJ 08033
856-427-0933

Dan McDonough Jr.

chaIrman of elauwIt medIa

Tim Ronaldson

Joe Eisele

executIve edItor

InterIm publIsher

managIng edItor

Mary L. Serkalow
Kristen Dowd
tabernacle edItor Nick Cohen
art dIrector Stephanie Lippincott
content edItor

chaIrman of the board

Russell Cann
chIef executIve offIcer Barry Rubens
vIce chaIrman Michael LaCount, Ph.D.
elauwIt medIa group
publIsher emerItus
edItor emerItus

Steve Miller
Alan Bauer

The Sun is published weekly by Elauwit

Media LLC, 108 Kings Highway East, 3rd
Floor, Haddonfield, NJ 08033. It is mailed
weekly to select addresses in the 08088 ZIP
code.
If you are not on the mailing list, six-month
subscriptions are available for $39.99. PDFs
of the publication are online, free of charge.
For information, please call 856-427-0933.
To submit a news release, please email
news@tabernaclesun.com. For advertising
information, call 856-427-0933 or email
advertising@tabernaclesun.com. The Sun
welcomes suggestions and comments from
readers including any information about
errors that may call for a correction to be
printed.
SPEAK UP
The Sun welcomes letters from readers.
Brief and to the point is best, so we look for
letters that are 300 words or fewer. Include
your name, address and phone number. We
do not print anonymous letters. Send letters
to news@tabernaclesun.com, via fax at 856427-0934, or via the mail. You can drop
them off at our office, too.
The Sun reserves the right to reprint your
letter in any medium including electronically.

DEC. 1016, 2014 THE TABERNACLE SUN 7

Lowes supplied the

donated smoke alarms
police and emergency management.
Were proud to partner with
New Jerseys county fire marshals in our service territory to
help keep residents safe, Maione
said.
To receive an alarm, residents
can call Reed at (609) 702-7158, ext.

3952.
Lowes Home Improvement
Center supplied the smoke
alarms at a reduced cost to help
support the effort, according to
the utility.
Since 2000, Atlantic City Electric has donated 24,900 smoke
alarms and 720 special-needs
smoke alarms to fire safety officials. The alarms emit a bright
strobe light and high-decibel audible alarm to alert individuals of
the presence of smoke.

PSA

PSA

NJ AIDS/STD Hotline

NJ Ease Senior
Services Helpline

LOWES
Continued from page 5

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PAGE 8

CALENDAR

WEDNESDAY DEC. 10

INITIAL SERVICE
FOR NEW
CUSTOMERS

Library babies: Ages 0-2. 10:30 a.m.

Pinelands Branch Library. Our littlest library goers are invited to
join Mr. Rick for stories, songs,
rhymes and play time. Must be
accompanied by a caregiver.
Chess club: Ages 7-16. 4 p.m.
Pinelands Branch Library. Join
Mr. Rick and his young assistants,
Michael and Ryan, for an hour of
play or instruction. Please bring
your chess set along if you have
one. If not, use one of ours.
Pinelands Young at Heart Seniors
Club: Noon at the Tabernacle
Community Center, 81 Hawkins
Road. Cake and coffee are served.
Membership available for $12 a
year for those 55 and older. Trips
to all over the area and the nation
are available to members and
friends.
Tabernacle Womans Association
meeting: Second Wednesday of
the month. Social and civic
organization. For more information visit tabernaclewomansassociation.wordpress.com or email

Free Measure & Layout

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with our designer Diana Rhodes
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d.rhodes@peterlumber.com

87 Hartford Rd
Medford, NJ 08055

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Free local Delivery

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ANY CABINET PURCHASE OF
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Peter Lumber Company
With this coupon. Not valid with other offers or prior purchases.
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twacommunity@gmail.com.
Storytime: Ages newborn to 5. 10
a.m. at Church of Christ, Carranza Road. Miss Peggy welcomes
children and their attending
adult to story hour. This is a
great opportunity for kids and
adults to meet new people in the
community. Questions, call the
church office at (609) 2680576.

THURSDAY DEC. 11
Yoga pretzels: Ages 6-12. 4:30 p.m.
Pinelands Branch Library. Yoga
pretzels is a fun and vibrant way
to get kids bending, breathing,
twisting and stretching. Guided
meditation at the end of the session will help kids develop focus,
self-awareness and a sense of
calm. Please be sure to have the
children wear comfortable,
breathable clothes and bring a
yoga mat or a large towel to use
as a mat.
Candlelight yoga: 5:30 p.m.
Pinelands Branch Library. Join
with Babita Kapoor, a registered
Shakti Om yoga instructor, to
learn yogas ancient science of
breath control and re-energize
your body and mind, learn self
awareness techniques through
posture and breathing, learn
meditation techniques to help
with insomnia and fatigue and

DEC. 1016, 2014

much more. Please be sure to
have the children wear comfortable, breathable clothes and
bring a yoga mat or a large towel
to use as a mat.

FRIDAY DEC. 12
Cookie Walk: 3-6 p.m. Tabernacle
United Methodist Church. The
Cookie Walk is a treat for all of
your senses. Enjoy the sights,
sounds and smells of Christmas
while selecting your cookies. All
cookies and candies are sold by
the pound. Also, homemade fruitcakes, from a 60-year-old secret
recipe, are now available in onepound and two-pound sizes. Take
them home and enjoy them or
give them as gifts. For more information please call (609) 7922603.
Storytime: Ages 4-6. 10:30 a.m.
Pinelands Branch Library. Come
join Mr. Rick for stories of all
kinds to be followed by an engaging and creative activity.

SATURDAY DEC. 13
Cookie Walk: 9 a.m. to noon. Tabernacle United Methodist Church.
The Cookie Walk is a treat for all
of your senses. Enjoy the sights,
sounds and smells of Christmas
please see CALENDAR, page 9

DEC. 1016, 2014 THE TABERNACLE SUN 9

CALENDAR
are accepted.

CALENDAR
Continued from page 8
while selecting your cookies. All
cookies and candies are sold by
the pound. Also, homemade fruitcakes, from a 60-year-old secret
recipe, are now available in one
pound and two pound sizes. Take
them home and enjoy them or
give them as gifts. For more information please call (609) 7922603.
Sports Saturdays: Ages 7 and up. 2
p.m. Pinelands Branch Library.
Join the Pinelands Branch
Library for an afternoon (approximately two hours) of NBA 2K13
on the Xbox 360. Test your skills
against other local players. Registration is requested and guarantees you gaming time, walk ins

MONDAY DEC. 15
Indian Mills Historical Society
meeting: 7:30 p.m. in Shamong
Municipal Building, 105 Willow
Grove Road. Features guest
speaker. All are welcome.
Refreshments served. For more
information
visit
mysite.verizon.net/vzet2t12/
imhs/index.html.

DOUBLE T LANDSCAPING
When they fall,
were on the call!

family to the library for this

month's feature, "E.T., the ExtraTerrestrial. Snacks and beverages may be served, but feel free
to bring your own goodies and
blanket to get comfy.

LEAF
Full Service
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Leaf Clean-Up IS HERE!
Curbside Removal

Beautiful 8 ft. White Pine Trees

$150 ea. Planted

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SAVE ON WINTER PROJECTS! CALL TODAY!

TUESDAY DEC. 16
Storytime: Ages 4-6. 1:30 p.m.
Pinelands Branch Library. Come
join Mr. Rick for stories of all
kinds to be followed by an engaging and creative activity.
Movie night: 6 p.m. Pinelands
Branch Library. Bring the whole

Please recycle this newspaper

FLOOR CLEARANCE
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including Hickory Chair,
Jessica Charles, Sherrill,
Theodore Alexander,
Taylor King, Harden and
Hancock & Moore Leather.

You can make everyone a lot more comfortable this holiday season.

Davidson Jewelers
Buyers of Precious Metals - Gold, Silver, Coins Custom Designs, Bridal Jewelry and Engraving

10 THE TABERNACLE SUN DEC. 1016, 2014

Seneca football team helps community

! *!!
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Special to The Sun

On Saturday, Nov. 29 football players from Seneca High School gathered together to lend a hand in their
communities. On that cold morning, a group of players picked up litter from an almost two-mile stretch
of road near the Dingletown Fields in Shamong Township. Later that afternoon, another group of players
joined others from the community at Holy Eucharist Church in Tabernacle to pack food bags for families
in need in our immediate areas

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DEC. 1016, 2014 THE TABERNACLE SUN 11

Reading the letters from kids who

receive toys makes the work worth it
READING
Continued from page 6

The Arc of Burlington County,

Christian Caring Center and the
Camden Pre-school Program
were just some of the organizations that came to shop at
Seneca. The toys are then distributed by these organizations
across South Jersey. The toy drive
services more than 700 children.
Bethany Christian Services
took part in the event at Seneca
for the first time. Debbie Padden,
with Bethany, says the organization will be throwing a holiday
party for foster children across

the greater Delaware Valley.

Jane Wenstrom came to the
drive on behalf of the Octavius V.
Catto Community School in Camden. This is Wenstroms 17th year
partnering with the districts toy
drive.
The drive started at Shawnee
High School when my children
were students there. Since then,
its moved to Seneca and theyve
done a great job with it, Wenstrom said. Well distribute
these toys to 442 preschoolers this
year.
For Maira and the rest of the
student council, reading the letters from those receiving the toys
makes all the hard work worth it.
Reading the letters and hearing how happy the kids are, how

Visit us on the Web at www.tabernaclesun.com

excited they are just warms your

heart so much, Maira said. To
know we have a hand in that is a
great feeling for all of us.

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12 THE TABERNACLE SUN DEC. 1016, 2014

County freeholders
establish Energy
Aggregation Plan
Freeholder director Bruce Garganio announced that the
Burlington County Board of Chosen Freeholders has established
an Energy Aggregation Plan with
the potential to substantially decrease utility costs for municipalities, businesses and residents.
This energy aggregation program allows Burlington County
to negotiate a bulk purchase of
energy supply on behalf of its
municipalities, residents and
businesses at a lower price than
residents currently pay to their
electric company, Garganio said.
This will make electricity less
expensive for each individual and
business in Burlington County.

ALL NATURAL LOTIONS AND SCRUBS

- all natural lotions and scrubs for adults
- chemical free, natural lotions for babies

Typical savings with these plans

average about 9 percent for residential customers in New Jersey.
For Burlington County, that
means potential savings of approximately $11 million, or nearly
$100 a year for participating
households.
It is important to realize that
this plan is voluntary for our municipalities and for our residents, Garganio said. Once we
receive an aggregate rate, residents in participating towns will
have the option to stay with the
energy aggregation plan or to opt
out to either the standard rate or
please see BRIDGE, page 15

Happy Holidays
From T he Amish
at Columbus

- homemade
- high quality ingredients
- chemical free
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*")(

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)&.' .,
)&.' .,

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/ ).+,
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DEC. 1016, 2014 THE TABERNACLE SUN 13

Township will assume fire services as of Jan. 1

TOWNSHIP
Continued from page 1
Richard Braslowe, and the Tabernacle Township representatives
and their attorney, Peter Lange,
presented cases in two separate
appearances to the LFB. The decision to dissolve the district came
after assurances that there are
provisions to pay all creditors and
that there would be adequate provisions for the assumption of
services provided that are necessary to the health, safety and welfare of the residents to ensure
continued fire fighting service
will be provided.
There really isnt a winner in
this. I am a big supporter of the
volunteers in this township. I
have a heavy heart in doing this,
but I believe that it was something that had to be done. We now
need to move forward to get the

Send us your news

job done, Committeewoman Kim

Brown said.
The township will assume responsibility for the operation of
fire protection services as of Jan.
1. At that time, the township will
create an agreement with a volunteer fire company for providing
fire protection services. It is not
yet known if the township will
continue to give that contract to
the Medford Farms Volunteer
Fire Company or to the newly
formed Tabernacle Fire Company No. 1, which is led by the same
chief and contains many of the
same members.
In its presentation to the LFB,
the committee said the township
would see a savings of $50,000 to
$70,000 annually by dissolving the

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Making more time for family since 1979.

ship employees at an expense the

commissioners believe may eliminate any savings realized
through insurance savings and
redundant professionals.
The township had discussed
adding a position to oversee the
operations of the fire department
and the Tabernacle Rescue Squad
at numerous township meetings
over the past year but decided
township administrator Doug
Cramer would manage those operations for the foreseeable future.

RESTAURANT
AND BAR

Drop us an email at
news@tabernaclesun.com. .
Call us at (856) 427-0933.

Don't get your

tinsel in a
tangle!

district. Additionally, the township expects to realize a savings

in insurance costs by moving the
fire companys insurances under
their joint insurance fund policy
offered to municipalities by the
state.
The state has challenged townships to annually assess authorities such as fire districts to see if
its continued existence is necessary.
The fire commissioners have
argued that a savings would not
be realized. Although residents
elect the Tabernacle fire commissioners, they serve in a voluntary
capacity and receive no pay for
their service. The work they previously performed will now be
the responsibility of paid town-

Enjoy the holidays,

but dont forget to

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Be social.
Like us on
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The Sun isn't

just in print. Like
us on Facebook
for additional
photos, stories
and tidbits of
information
about your town.

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tabernaclesun

14 THE TABERNACLE SUN DEC. 1016, 2014

County freeholders partner with OYRSJ

Burlington County Freeholders announced that they are partnering with Operation Yellow
Ribbon of South Jersey and
Burlington County College to
sponsor a county-wide collection
of items for care packages for
troops stationed over-seas.
Items will be accepted at selected county locations during normal business hours through noon
on Thursday, Dec. 11. Collection
boxes will be in the lobbies:
County Administration Building and Court Facility at 49 Rancocas Road in Mt. Holly
Human Services Building at
795 Woodlane Road in Westampton
Health Department at 15 Pioneer Boulevard in Westampton
Public Safety Building on Pioneer Boulevard in Westampton
Engineering Building at 1900
Briggs Road in Mt. Laurel
The Eco Complex at 1200 Florence Columbus Road in Bordentown Township
All county library facilities

,& &

(+ *

BCC Mt. Laurel Campus,

Route 38
BCC Pemberton Campus, 601
Pemberton Browns Mills Road
BCC McGuire Education Center, room 107, Building 3829, 4
School Road, McGuire AFB
Operation Yellow Ribbon of
South Jersey sends over 2,300
pounds of treats and personal
notes each month to our brave
women and men deployed to
Afghanistan.
Adults can include an address
or e-mail if they would like a possible response from our recipients. Some of the troops will respond but some do not have email access, so they might not
write back. Children are encouraged to create or write their own
holiday cards or notes to show
support to our troops, but no last
names, addresses, email addresses or phone numbers can be included.
The following items have been
requested from our troops:
Tastykakes/cupcakes or

* "

"*.", ,"-"*.-

The beloved holiday tradition returns to

Collingswood with a spectacular
performance that will enchant
audiences of all ages.

those type snacks

Rice Crispy treats
Sealed packets/bagged tuna
and chicken
Gum/candy etc. (Skittles,
Swedish Fish, Twizzlers)
Breakfast Bars
Roasted peanuts/mixed nuts
or Dried fruit
Potato chips in cylinder or
can
Beef Jerky or Slim Jims
Crystal Light Drink Mix Individual Packets

Powdered
drink
mix
(Gatorade etc.)
Ground Coffee or Tea
Pumpkin Seeds or Sunflower
Seeds
Baby powder/Foot powder
Baby wipes
Visine or Saline eye drops
Chapstick/Lip Balm
Tissues
Small hand sanitizer
Puzzle or small crossword
books
Batteries (AA, AAA, C, D)
Hand held electronic games:
poker, bingo, etc.
No magazines/books/hotel
toiletries please
No open, used, out-of-date or
expired items
Operation Yellow Ribbon of
South Jersey will also be hosting
a holiday cookie and baked goods
drive to send to the troops deployed in Afghanistan and supporting Operation Enduring
Freedom.
For more, please contact Dave
Silver at OperationYellowRibbonSJ@gmail.com.

PSA

%&." +,-" &'" +((&*$-0++!

+, .& '".- /&-&. 000 .&1 +) "20+,!
, &*#+,) .&+*
000 .,& & -(+ *! * " +)

Orchestra - $30
Center Mezz - $30
Side Mezz - $26
Family Circle - $24

National Suicide
Prevention Lifeline
(800) 273-8255

DEC. 1016, 2014 THE TABERNACLE SUN 15

Bridge Commission to partner

with Burlington County freeholders
BRIDGE
Continued from page 12
to a third-party provider. In that
way, this plan not only lowers
costs but it also expands consumer choice.
The Burlington County Bridge
Commission will partner with
the freeholders to execute the energy aggregation plan, providing
technical and professional support and services.
This is part of our long-standing effort to fight for lower utility
costs on behalf of our residents, a
fight in which we have had many
successes, Garganio said.
Recently, for example, we as
freeholders engaged the BPU in a
battle to stop New Jersey Ameri-

can Water from increasing water

rates by 20 percent in 23 of our
municipalities.
We gathered more than 11,000
signatures from residents, and
confronted the BPU through the
mail and in person. When the
smoke had cleared, their bid for a
$95 million per year rate increase
had been cut to less than a third
of that amount.

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As we role this program out,

we will doing extensive outreach
to our residents to ensure that
they fully understand this opportunity and to answer any questions that they may have, Garganio said. But the bottom line is
that this is a real and exciting
chance to save hard working
Burlington County residents
some money.

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18 THE TABERNACLE SUN DEC. 1016, 2014

Meeting with a mortgage broker

By KRISTEN DOWD
The Sun
The first step to buying a
home is finding out how much
you can afford.
This is where a mortgage
broker comes into play.
The mortgage consultation
is very important, Alyce
Klaus, broker/sales representative with Weichert Realtors
Moorestown, said. Its educational, so the consumer doesnt
go out based on just asking
price.
Robert Salotto, president of
First Financial Lending in
Cherry Hill, has been in the
mortgage business for 14 years.
He said finding a good mortgage broker is the first step in
home buying.
Go to (a broker) you know
someone had a good experience
with, he said. Theyre fair,
theyre honest theyre going
to make money, as anyone
should but youre going to get
a fair, honest deal.
A mortgage broker is there
from the beginning to the end
of the home-buying process,
first providing a pre-approval
for a homebuyer and, once a
house is found, contacting the
lender for loan approval, setting a closing date and assisting
during the closing.
Everythings got to match
with the paper trail, Salotto
said. Banks are trying to do
fair business.
The initial pre-approval will
determine a consumers qualifications for loan programs and
rates.
Of course, its not just a matter of what a person can afford
its also about what theyre
comfortable spending. Buying
a home just within your budget
is a personal risk.

Just like anything else in

life, its a personal thing, Dave
Lewis, broker/owner of B.T.
Edgar and Son Realtors in
Moorestown, said. Do you
want to give up other things in
life?
According to Anne E. Koons,
sales associate with Berkshire
Hathaway HomeServices Fox &
Roach, Realtors, in Cherry Hill,
buying a house you are just
working to pay for doesnt
make sense.
If all youre doing is working to pay for the house and you
have no other disposable income to do anything else with,
its going to get to the point that
you resent the house, she said.
Should you buy as much as
you can? Yes, but within reason.
When it comes to buying a
home, Salotto advises breaking
everything down to find out if
you can really afford the house
and the lifestyle you want to
live.
People say, I want to spend
$200,000. I want to spent
$250,000. What does that really
equate to? Salotto asked. You
have to break that down further to your monthly payment.
Salotto provides his clients
with a money worksheet,
which breaks down housing expenses, from insurance to takeout dinners.
Property insurance, homeowners insurance, home repairs, cable bill, water bill,
lawn care system, monthly car
payments, health insurance,
life insurance, food, veterinarian bills, donations, Salotto listed. Its all in addition to the
house.
Salotto also advises factoring
please see FIRST, page 19

WHEN YOU GO
A mortgage broker will let
you know what documents are
needed to fill out a loan application, and each person may
not need the exact same paperwork, but keep in mind that the
following are typical:

W-2 statements (two years)

Financial statements (two
months)
Pay stubs (two most recent)
Photo ID
Marriage certificate or divorce
decree

Buying a home: What to expect

From starting the search to signing the papers, Realtors discuss specifics
By KRISTEN DOWD
The Sun
Buying a home is not only the
single greatest transaction of
your lifetime it could be the
most emotional transaction, Angela Barnshaw, CEO of Haddonfield real estate agency Agent06,
said. We dont sell houses. We
help to match a person to a house.
We connect you to that house.
There are a lot of factors that
come into play when buying a
home. How much can you afford?
How much do you want to pay?
And how do you find the house
thats right for you?
But before delving into how to
find the house, potential homebuyers need to know how much
they can spend. Across the board,
area real estate professionals
agree that the first step of the
home-buying process is to talk to
a mortgage broker.
You really need to do that.
Theres no sense in me taking you
out and showing you $400,000
homes when you max out at
$350,000. Im wasting your time
and my time, Anne E. Koons,
sales associate with Berkshire
Hathaway HomeServices Fox &
Roach, Realtors, in Cherry Hill,
said. Thats very important to do
before you even go out to start
looking at houses.
Once a prospective homebuyer
is pre-approved for a mortgage,
finding a real estate professional
is the next sensible step.

The real estate

professionals role
From the very beginning to
the very end, we are vigilant
about making sure the customer
knows that we are there as their
guide and protector, Barnshaw
said, not as someone trying to
squeeze a commission check out
of them.
Guiding a homebuyer is key;
real estate professionals are there
from the search for a new home to
the final contracts and everything
in between.
You need a real estate advisor.
We wouldnt perform surgery on

ourselves,
Alyce
Klaus,
broker/sales representative with
Weichert Realtors Moorestown,
said with a smile. This is such an
important economic investment,
and to obtain the counsel of a real
estate agent who is going to represent your best judiciary interest,
its a no brainer.
A homebuyer can also rely on
the knowledge of a Realtor. A Realtor will know if a home is located near high-tension wires or
falls within a strong school district. If a neighborhood is having
issues flooding or mold, for instance the Realtor will most
likely know that, too.
I consider myself an expert in
my field. I know a lot, Koons
said. Im sure theres a lot that I
dont know, but after almost 30
years of being in the business,
Ive been through a lot of different scenarios.
Barnshaw said its important
for the Realtor to focus on how he
or she is promoting and presenting the home.
The presentation in person
has to meet or exceed the promotion, she said.
Just as important is understanding the market data.
Not (market data) for all of
the county or even
all of that town,
but that unique
hyper-local niche
where that house
is located,
Barnshaw
said. And
a skilled Realtor is going
to know how to negotiate,
whether
theyre representing the buyer or
representing the
seller.

Negotiating
When youre
talking about negotiating, I wish
there was a more
scientific
response in pricing, Klaus said,
but when you

REAL ESTATE SERIES

This is part two of a three-part
series on the local real estate
market. Part three next week will
focus on the markets sellers.

get down to it, its what the seller

will take, the buyer will pay and
the bank will appraise.
According to Dave Lewis, broker/owner of B.T. Edgar and Son
Realtors in Moorestown, Realtors
are there to help a buyer through
the negotiation process. Buyers
dont go in blind; Realtors will
share comparable properties to
place a value on the prospective
home.
Then well sit down and come
up with an asking price, Lewis
said.
When negotiating, its not only
about the buyer. The seller needs
to be willing to negotiate a price,
too.
We want to be able to get the
highest price for the seller, Barnshaw said, and the lowest price
for the buyer.

Current inventory
Home prices are improving
now because there is still a lack of
please see INVENTORY, page 19

DEC. 1016, 2014 THE TABERNACLE SUN 19

Internet is a strong start for home buying How is the rental market?
By KRISTEN DOWD

whos moving into your area.

According to the National Association of Realtors, in 2013, 92
Its safe to say the Internet has percent of buyers used the Interrevolutionized the real estate in- net to search for a new home, and
dustry.
42 percent of buyers found the
Fewer than two decades ago, home they purchased online,
house
listings
compared to 8
would be submitpercent in 2001.
HOMEBUYER
ted for printing in
Buyers tend
STATISTICS
MLS books, oftento be doing their
times being sold
homework ahead
before the publiof time before
cation hit the
they contact an
streets.
Today,
agent, as far as
listings are postwhat they like
ed online practiand dont like,
92% of homebuyers
cally
instantaDave Lewis, broused the internet
neously, accessiker/owner
of
to search for a home
ble to viewers
B.T. Edgar and
around the world.
Son Realtors in
I like the
Moorestown,
swiftness
of
said. They pare
being able to list a
down what they
house and that
want. Its a more
same day put it in
efficient
the MLS and
process.
42% of homebuyers
from there it goes
Websites such
found the home they
out to 30, 40 differas
Trulia.com,
purchased online
ent
websites,
Zillow.com and
Anne E. Koons, a
Realtor.com are
sales
associate
the most popular
with Berkshire
for prospective
Hathaway Homebuyers.
Services Fox &
Realtors, howRoach Realtors in
ever, caution onCherry Hill, said.
line information
Its a lot easier to
can be mislead88% of homebuyers
do business today
ing, likening the
purchased a home
because
everyscenario to judgwith an agents help
thing is faster.
ing a book by its
Koons said she
cover.
embraced the InWhen youre
ternet when it belooking at photocame a factor in her industry graphs, thats a good introducmore than a decade ago, and she tion. But this is a huge investhasnt stopped using it since.
ment. Nobody is going to buy a
Im all for the web. Its expo- house sight unseen, Alyce Klaus,
sure. Someone in San Francisco broker/sales representative with
can see my homes. Someone in Weichert Realtors Moorestown,
London. Someone in Montreal, said. When you take in this inKoons said. You never know formation from the web, you take

The Sun

it in with an open mind that, in

some cases, it may not be accurate.
This includes estimated values
for homes, which are also listed
on these websites.
Zillow has a thing called Zestimates its a program in their
software that gives you an idea
what your home is worth, Lewis
explained, but in a town like
Moorestown, Haddonfield, towns
where they have eclectic homes
next to each other a ranch next
to a Victorian next to a colonial
its not very accurate.
He said people put too much
weight into what they find on
these websites, but there are errors and its not perfect.
Its good for a guide, but its
not the gospel, Lewis said.
Of course, it seems most
prospective buyers understand
this sentiment.
The National Association of
Realtors reported that 90 percent
of prospective buyers who started
their home search online last
year still used a real estate professional.
In addition to having more accurate information than whats
available online, Realtors are also
invaluable when it comes to
knowing about the area where a
home is located.
I can tell which ones are by
high tension wires, which ones
are on a busy street, Koons said.
Thats where my knowledge
comes into play.
Klaus agreed.
I think the consumer should
go out and should look online and
pursue information about the
town, but you cant determine
property value online, Klaus
said, and that is truly where that
real estate representative is going
to support your investment. Its
that kind of guidance.

First step in homebuying is pre-approval

FIRST
Continued from page 18

in monthly debts, such as credit

card bills and student loan pay-

ments, which will help calculate a

consumers debt-to-income ratio.
For real estate professionals, a
pre-approval from a mortgage
broker is not just the suggested
first step in the home-buying
process its essential.
We will not show you a house

until you have a pre-approval,

Angela Barnshaw, CEO of Haddonfield real estate agency
Agent06, said. Its not about a
loan its about a local lender
whos with a good company, who
has a variety of loan products
that they can offer you.

By KRISTEN DOWD
The Sun
The rental market is going
well, Lewis said. Individuals
who lost jobs in the recession
are now renting to build up
stronger credit.
Theyre good people who
got stuck in a bad situation,
Lewis said. They wait a couple years for credit to get repaired, and then they can get
back into looking at houses.
Damaged credit doesnt necessarily translate into not
being able to own a home. At
Weichert Realtors, there are
rental
consultations
for
prospective homebuyers who
are renting.
So many people walk
around and say, I really couldnt afford to buy. But they really can, Klaus said. A mark on
your credit doesnt mean its
going to stay there forever. We
do the financial counseling to
work toward credit repair. People need guidance to improve
their credit score.
According to Lewis, for
those who have good credit, its

prudent to buy rather than

rent.
If youve got good credit,
he said, you shouldnt be renting, you should be buying.
And with the market getting
better, its also a good time to
buy a home.
These rates are the lowest
theyve been in 30 years. Actually, closer to 40 years, Koons
said. Eventually these rates
are going to go up and youre
not going to see them again
If you can afford to pay $2,000
to $4,000 in rent, you should be
buying a home, not renting a
home. It just doesnt make
sense.
Renting to own a property
or a lease purchase is another option. Renting to own
means a consumer will rent a
property for a negotiable term,
and a percentage of the rent
goes toward a down payment.
Then, after that time period, you have the down payment the money saved and
you can buy the property,
Lewis said. Its a good way to
go if you dont have the down
payment.

Inventory is increasing
INVENTORY
Continued from page 18
inventory. According to the New
Jersey Association of Realtors,
the number of homes for sale in
all markets was down 15.5 percent
earlier this fall, compared to the
same time period last year. But
closed sales in all markets have
risen 21.8 percent.
It goes back to supply and demand, Koons said, adding the exception is the million-dollar-plus
range. Theres a three-year inventory of million-dollar-plus
homes.
Spring and summer saw a lot
of Earth moving, Klaus said,
with more homes listing for sale.
The inventory is increasing, and
real estate professionals want the

public to know there are still

plenty of homes to buy. New subdivisions have been going in
around Burlington and Camden
counties, and there is a clear
uptick of 55-plus communities in
the region.
When we were coming out of
the boom, there were a lot of disbelievers. The market contained a
lot of inventory that clearly could
no longer support what (sellers)
were asking, Klaus said. Now,
theyre listening to the real estate
agents. Theres a higher percentage of people priced right in the
marketplace. The buyer traffic is
extraordinarily good.
(Buyers) like to look at a lot of
inventory before they make that
selection. They dont like to compromise, she continued. Were
trying to match up the buyer with
their dream home.

THE TABERNACLE SUN

classified

DECEMBER 10-16, 2014

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T O

K N O W

All ads are based on a 5 line ad, 15-18 characters per line. Additional lines: $9, Bold/Reverse Type: $9 Add color to any box ad for $20. Deadline: Wednesday - 5pm for the following week.
All classified ads must be prepaid. Your Classified ad will run in all 9 of The Sun newspapers each week! Be sure to check your ad the first day it appears.
We will not be responsible for more than one incorrect insertion, so call us immediately with any errors in your ad. No refunds are given, only advertising credit.

H O W

T O

C O N T A C T

U S

Call us: 609-751-0245 or email us: classifieds@elauwitmedia.com

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OCDanielle's
Cleaning Service

(856) 216-7400

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Looking for Total house cleaning

for the right price?

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Call Danielle at 856-397-7606 or Kim

at 856-383-2413 for a free estimate

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Since 1974 FREE ESTIMATES

856-627-1974

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www.RASBUILDERSNJ.com
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HOLIDAY SERVICES

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Lic. #13VH07331700

Your

Dog

In A Loving Home
NOT A KENNEL!

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856-783-1111

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Proudly serving the South Jersey area

for over 2 5 Y E A R S !
No Dispatch Fees Affordable Service Rates
Easy Payment Options

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Filan

Conner

Plumbing | HVAC | Bathroom Remodeling

0% Financing Available FREE ESTIMATES

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Siding Capping Painting

Gutters Carpentry & More

(856) 810-2182
Fully Licensed Insured

HOLIDAY
LIGHTING
Stay out of the cold and
let me put your holiday
lights up for you!!

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856-547-1006

WOODCHUCKS
Lawn Mower Service Parts Sales

Call Steven:
856-356-2775

Free Estimates Fully Insured

Convenient Payment Plans

Small Engine Repair

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www.
OUR HOME
DOG BOARDING.com

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Custom Homes, Additions, Sun rooms,

Siding, Baths, Decks, Garages,
Basements, Roof, Windows

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Residential Service Upgrades
Recessed Lighting
Backup Generators & Installs

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Duraclean.ws@gmail.com
250 Church Road Medford, NJ 08055

RAS BUILDERS

(856) 985-7777
Remediation Specialist
Carpet Cleaning

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856-200-3296
$

79.00

HEATER CHECK
OUT SPECIAL

Coupon must be mentioned during scheduling of appointment. This coupon is valid during regular business hours only.
Terms and conditions may apply. Taxes and applicable fees not included. Can not be combined with any other offer or
coupon. Guarantee of payment may be required.

CLASSIFIED
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DECEMBER 10-16, 2014 THE TABERNACLE SUN

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Absolutely all concrete problems solved

Repair and Restoration
Trip hazards eliminated
Cracks are our specialty.
Residential and Commercial Services
Stain Removal
New Concrete
Decorative Concrete Power Washing Seal Coating

Prior public accounting experience. A CPA

License would be a plus, but is not required.
Competitive hourly compensation will be
offered commensurate with experience.

FREE ESTIMATES

For immediate consideration, please send a

copy of your resume to:

856-381-0249

Lisa Barson,
lbarson@zdcpas.com
www.zdcpas.com

NJ License #13VH06184500

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CLEANING BY STEPHANIE
House & Office Cleaning
Weekly, bi-weekly, Monthly
Linen changes, beds made,
low rates
20 years experience
call for appt. (609) 845-5922

HAPPY HELPER
CLEANING
Weekly Bi-weekly Monthly
Detail Cleaning

$25.00 OFF CLEANING

Insured

856-304-5019

Pauls Painting of Medford

IS NOW OFFERING
PAINTING of INTERIOR
ROOMS for $100 Each

(609) 320-9717
Quality Work at a Reasonable Price

JUDYS WALLPAPER
REMOVAL + PAINTING
FREE ESTIMATES
Schedule Now
Professional & Clean Service

609-714-6878
$

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Junk Removal/ Furniture

Movers
Garage/Basement/Attic Clean outs

iMove
856-433-1959
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All Phases of Concrete & Masonry Work

REPAIRS OF ALL TYPES
FREE EST./REAS. PRICES/REFS AVAIL.

SEASONED
OAK FIREWOOD
FOR SALE

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Over
p.
30 yr. ex

FREE DELIVERY
856 912-5499

ASONRY &
ONCRETE

Holidays are almost here! Now is

the ttiiim
me to brighten up your look!

1-800-883-3828
856-786-5229

Decks & Porches Decorative Trims Crown Moldings

Bookcases Custom Mantles Built-Ins Baths
FREE ESTIMATES - REFERENCES - LICENSED & INSURED

CALL TODAY! (609) 561-7751

www.jhstraincarpentry.com
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HOME REPAIR!
Roofing, Siding,
Windows & Doors, Stucco
Gutter Cleaning, Paint,
Powerwashing, Drywall & more!!

CHECK OUT
THE SUN CLASSIFIEDS!

FREE ESTIMATES
856-304-3916
I CAN HELP WITH YOUR TO-DO LIST
I do quality & affordable home repairs,
locks, blinds, sheetrock repair, painting,
staining, pressure washing, fence repair,
mulch, stone, and much more.

Call 3B's HONEY DO SERVICES

And ask for Bruce.

856-296-5515

244(16:;5 $91 !8&5

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to local areas.

A&M CM
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Also: Mixed Hardwood

Half cord and full cord
prices available

REG# 13VH03811200

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Zook Dinon PA, a regional public

accounting firm has an opening for a
PART- TIME ACCOU NTING POSITION.
We are looking for an individual who would
like to work two to three days a week. We
would provide flexibility with regards to the
candidates work schedule. There is no anticipated travel. The position would involve
providing accounting and financial support
functions for a number of our clients.

CSI Group International

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Erics Handyman Service.com

Your list is our list

856-983-5325
Featured A rating on Angies List
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BEST AFFORDABLE
CARE AT HOME

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Lic.# 13VH01426900

22

THE TABERNACLE SUN DECEMBER 10-16, 2014

CLASSIFIED
$

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BUSINESS DEVELOPMENT:
Elite team of trainers and coaches now spearheading the
expansion of a major business all throughout the northeast
and looking for motivated, business minded leaders who not
only want to diversify their income, but who enjoy teaching,
coaching and training other people on how to run a business.

Although we are a global corporation, our

aggressive expansion is getting the attention of
people in virtually every background. We are
involved with a multi-trillion/year deregulation in
telecommunications and now, in the deregulation of
energy! We work with numerous Fortune 100
companies. In Spring 2011, we were featured on
Prime Time Television based on what we've done.
We will teach you all of the aspects of our business!
Trainers, public speakers, coaches, sales
consultants
Work & teach in one on one situations, small
groups, large ballroom settings, and even on
stage in front of 20,000 people
Be your own boss
Set your own hours
Capitalize on three of the biggest industries in the
world: telecommunications, energy, banking
Work from home
Company rewards trips
Unlimited income potential: Compensation is
performance based including weekly bonuses
and monthly residual pay
Customize a plan that fits your desired income,
schedule, family life
Please send contact information / resume to the
following email address:
dosomethingsignificant@yahoo.com

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R&L TREE SERVICE

Best Price Guaranteed!

GET $10.00 OFF YOUR FIRST SERVICE!

Locally owned and operated.

856-665-6769
www.alldogspoop.com
saving our planet, one pile at a time

Tree Removal
Tree Pruning
Stump Removal
24 Hr. Emergency Service
FREE ESTIMATES
Fully Insured

856 912-5499
Firewood for sale!
10% OFF WITH THIS AD
TREE SERVICE

QUICK SERVICES
WE CAN HELP!

South Jersey Service

15% OFF

PLUMBING REPAIRS
856-200-3297
www.filanconner.com

NJRMP 9325-Don Nelson

Plumbing Heating Drain Cleaning

HIC # 13VH02370600

Quick Service

D.E.C. Contracting
609-953-9794
609-405-3873
Lic #13VH03950800
ISA Cert. Arborist NJ-0993A

856-429-2494

Call 856-427-0933 to place your classified!

DI AMOND
ROOFING
Shingle Cedar Shake Rubber
Hot Asphalt Skylites & Repairs

(609) 268-9200
Lic.# 13VH01716900

www.kdhroofing.com

Family and
Business
Friendly
Computer
Solutions!

(856) 861-6393
www.greznet.com
South Jerseys leading support alternative.
Serving the area for over 10 years!
Honesty and integrity are synonymous for
!
We encourage you to contact our references and let them tell you!

CLASSIFIED
#

DECEMBER 10-16, 2014 THE TABERNACLE SUN

$

15% OFF
Fall Clean
ups

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Paperhanging,
Removal & Painting
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By Randy Craig

(856) 981-1359
www.rcpaperhangings.com

OIL TANK
REMOVAL /
INSTALLATION
Residential
Specialist
Underground
Crawlspace
Above Ground
Tanks
Clean Ups
Structural Support
DEP Certified
Insurance Approved

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NEW CUSTOMER SPECIAL!

NJ Grant Money
Available
Ask our expert!

$50 OFF
Expires 12/31/14.

(856) 629-8886
(609) 698-4434
NJ LIC. # 13VH00102300

NEW SHINGLE
NEW
SHINGLE ROOF
ROOF SPECIALISTS
SPECIALISTS SLATE
SLATE ROOF
ROOF REPAIRS
REPAIRS RUBBER
RUBBER ROOFS
ROOFS
SEAMLESS
SEAMLESS GUTTERS
GUTTERS SIDING
SIDING W
WINDOWS
INDOWS & D
DOORS
OORS C
CAPPING
APPING SOFFITS
SOFFITS
EMERGENCY
RESIDENTIAL
COMMERCIAL
EMERGENCY TTARP
ARP SERVICE
SERVICE AVAILABLE
AVAILABLE R
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OMMERCIAL

3300 Years
Years Ex
Experience
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Family
amily OOwned
wned & OOperated
perated
FAST
F
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Quality PProducts
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Senior CCitizen
itizen Discount
Discount
EMERGENCY
E
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N
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Pressure SSales
ales Tactics
Tactics
Noo HHigh
SERVICE!
SERVICE! Professional
Professional Installation
Installation Serving
Ser ving tthe
he Tri-State
Tri-State area
area

$ "!"
Pruning, Topping and Removal
Guaranteed To Beat Any Written Estimate
24 Hr. Emergency/Insurance Work

National/American Waterproofing

WINTER SPECIALS

FREE
ESTIM
IMATES

856-767-4443

www.americanwatermanagement.com.
Lic # 13VH06045200

Any
Any new
new complete
complete roofing
roofing or
or siding
siding job
job
Must
Must present
present coupon
coupon at
at time
time of
of estimate.
estimate. Not
Not valid
valid with
with other
other offers
offers or
or prior
prior services.
services. EExpires
xpires 112/31/14.
2/31/14.

Ocean City New Jerseys #1 Real Estate Team!

Matt Bader
Cell 609-992-4380

The Team You Can Trust!

Dale Collins
Cell 609-548-1539

Let the Bader-Collins Associates make all of your Ocean City

dreams come true! If you are thinking about BUYING, SELLING or
RENTING, contact us for exceptional service and professionalism.
3160 Asbury Avenue Ocean City, NJ 08226
Office: 609-399-0076 email: bca@bergerrealty.com

2516 WESLEY AVE, 1ST FL

Become mesmerized by the immense
beauty of this GoldCoast jewel. This 5
bedroom, 4.5 bath 1st floor sits on a rare
55x120 ft lot. Amenities feature 10'
ceilings, hardwood floors, upgraded
kitchen, spacious rooms complemented
by high end furnishings and lovely decor,
crown molding, large front and rear
decking and so much more. Ground level
features two car garage and enclosed full
bath. This meticulously kept home has
never been used as a rental. Pride of
ownership truly lies here at 2516 Wesley
Avenue.

$1,349,900