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Refinancing Disaster: Why the Mortgage System is Totally F*****D

I’m sitting here looking over my most recent house appraisal.  It’s down 15% from what we paid about 6 years ago.  Because of this, I can’t refinance my loan.  The real pisser here is that the appraisal is down because there simply aren’t any comparable sales in my town – I truly suspect if I [...]

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Lunar Eclipse Photos: 12/21/10

Here are some photos from this mornings eclipse.  Taken from my backyard in Rutherford, NJ, I used my Nikon D200, tripod mounted, with a Sigma 70-200 f2.8 with 1.4x teleconverter and a cable release:

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Advice on NJ Speeding Tickets (Not quite how to beat them)

So, people who know me would say that occasionally I have a speed problem.  Recently I was caught in a neighboring town going 16 over the limit.  In NJ, we have a point system and this ticket was worth 4 points.  That’s pretty big, most smaller violations are 2. What most people will do is [...]

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Garrett Mountain, 2

I took another trip up to get the last of the Fall Foliage shots:

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Garret Mountain

Garret Mountain is on the border of West Paterson and Paterson. I went out there to test some equipment and get some HDR’s of the old abandonments there. Check my HDR’s out at www.njhdr.com. Here are some other shots I got that day:

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High Point, Oct 20

We took another trip up to High Point, NJ to capture some shots of the fall foliage. Not a great year for the color change, but we still got some good shots!

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Meadowlands

The Meadowlands in Northern NJ is actually a growing nature preserve. All sorts of fish, birds and other wildlife are slowly returning.

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High Point, NJ

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