WALLET HUB: Some New Jersey Cities Rank at the Bottom of Credit Score Analysis

By Bethany Blankley |

The Center Square

To coincide with the approaching tax season and to help taxpayers evaluate their spending and debt habits, the personal-finance website WalletHub published a ranking of residents’ credit scores in more than 2,500 cities nationwide.

WalletHub compared the median credit scores of residents in 2,572 U.S. cities “to give credit where credit is literally and figuratively due,” Adam McCann, financial writer at Wallethub says.

Its 2020\’s

Cities with the Highest & Lowest Credit Scores

ranked all cities according to TransUnion data as of September 2019.

Four New Jersey cities ranked in the bottom: Newark, with a median credit score of 587, followed by New Brunswick’s 577, East Orange’s 577, and Camden City\’s 552.

With 99 being the best percentile ranking, Camden’s ranked in the 1 percentile and tied for last place with East St. Louis, Ill., and Chester, Penn.

Ranking 10th-worst was East Orange, followed by 11th-worst New Brunswick, and 18th-worst Newark, all falling in the 1 percentile.

Trenton fared slightly better, with its residents holding a median credit score of 601, but also fell in the 1 percentile.

By comparison eight New Jersey cities ranked in the 91st to 97th percentile with scores of 752 and above. The highest New Jersey ranking was Westfield, where residents landed in the 98th percentile with a median credit score of 768. Ridgewood followed in the 97th percentile with a score of 764; Princeton in the 96th percentile with a score of 761; Paramus in the 95th percentile with a score of 760; Fair Lawn in the 92nd percentile with a score of 754; Summit in the 91st percentile with a score of 752; and Hoboken and Flemington in the 91st percentile, each with scores of 752.

Wallethub only included the city proper in its analysis, excluding the suburbs in each city’s surrounding metro area. Each city was categorized by population size with large cities having more than 300,000 people, mid-sized between 100,000 and 300,000 people, and small cities with less than 100,000 people.

republished here by Gloucestercitynews.net with permission of

The Center Square

Philly Baptist Church Minister Says Trump\’s Opportunity Zone Program is Working (video)

Rev. Todd Johnson, \”Trump changed Philadelphia for the better, people are waking up to pandering Dems.\”

PHILADELPHIA, PA (February 15, 2020)–Appearing on

\”Fox & Friends: Weekend\”

, Reverend Todd Johnson, of the

First Immanuel Baptist

Church

said Saturday the Opportunity Zone in the city of brotherly love — created by the 2017

Tax Cuts and Jobs Act

— is working.

According to the

Internal Revenue Service (IRS)

, Opportunity Zones are designed to spur

economic

development and

job creation

in distressed communities throughout the United States by providing tax benefits to investors who invest eligible capital gains by making an appropriate investment and meet other requirements.

(CONTINUE TO READ)

Watch the latest video at

foxnews.com

Philly Baptist Church Minister Says Trump\’s Opportunity Zone Program is Working (video)

Rev. Todd Johnson, \”Trump changed Philadelphia for the better, people are waking up to pandering Dems.\”

PHILADELPHIA, PA (February 15, 2020)–Appearing on

\”Fox & Friends: Weekend\”

, Reverend Todd Johnson, of the

First Immanuel Baptist

Church

said Saturday the Opportunity Zone in the city of brotherly love — created by the 2017

Tax Cuts and Jobs Act

— is working.

According to the

Internal Revenue Service (IRS)

, Opportunity Zones are designed to spur

economic

development and

job creation

in distressed communities throughout the United States by providing tax benefits to investors who invest eligible capital gains by making an appropriate investment and meet other requirements.

(CONTINUE TO READ)

Watch the latest video at

foxnews.com

Warren County Freeholders Support 2nd Amendment

(WHITE TOWNSHIP, NJ – February 11, 2020) – Expressing their intent to uphold the Second Amendment rights of the citizens of Warren County, the Board of Chosen Freeholders unanimously passed a resolution declaring Warren a “Second Amendment / Lawful Gun Owner County.”

Gloucestercitynews.net graphic file

The freeholder board “desires to express its deep commitment to the rights of citizens of Warren County to keep and bear Arms,” the resolution stated, and opposes “any efforts to unconstitutionally restrict such rights.”

A standing-room-only crowd offered comments both for and against the resolution for more than an hour before all three freeholders explained their support for the measure and voted.

“We’ve had some really great back and forth,” Freeholder Jason J. Sarnoski said of the discussion, adding that, “From the bottom of my heart, I really do want to thank everyone for their decorum. The level of discourse that we rise to here, in my opinion goes far above what we’ve seen in other locations.” Sarnoski said he had the utmost respect for all who expressed their views, no matter what side of the issue they took. However, Sarnoski said he is seeing greater restrictions being placed on gun ownership and added that the resolution “reflects my feelings on the rights of legal gun owners.”

Noting that his father was in law enforcement for 35 years, Sarnoski explained, “I’m the son of a police officer. He taught me how to handle a gun, and he taught me a gun owner has great responsibilities, but they also have rights, and that’s what makes this country great.”

The Freeholders heard from a full house as speakers offered their views on a proposed resolution declaring the County of Warren a “Second Amendment / Lawful Gun Owner County.” Citizens in the United States have the right to own firearms, but in many countries, “people don’t have that right,” Sarnoski said. Some of those who spoke questioned why the freeholder board wanted to pass such a resolution, but Sarnoski explained, “This is the process we have in this country when we disagree with our leadership. We don’t say we’re not going to follow the law, we don’t say we’re going to break the law, we say we’re going to address the laws we don’t agree with through petition. I don’t believe this board is wasting time or money by petitioning our government on our beliefs.”

Freeholder James R. Kern, III echoed Sarnoski’s praise for the way the speakers participated in the discussion, and continued that Warren County, with its comparatively low crime rate, “is a very safe place to live.” New Jersey has some of the strictest gun laws in America, Kern said, but added he thinks some politicians are trying to pass laws just for the headlines and not because they have any positive effect. “This is our way of symbolically telling Trenton, (and) our legislators, how we feel as a county,” Kern said. Freeholder Director Richard D. Gardner also said he supports the resolution to make a statement, saying that firearms restrictions considered at the state level mean “the law-abiding citizen in this state is now forfeiting his rights. That’s not acceptable.”

Pointing to areas that have tough gun laws but high crime, Gardner said politicians should “stop putting forth feel-good measures that do not accomplish anything for society.” Gardner added that he feels the governor and some members of the legislature “are wrongheaded on this matter” and wasting time instead of addressing core issues that contribute to gun violence, like mental illness. Gardner said at least 75 percent of those who spoke were in favor of the board taking this stance.

What You Need to Know About Vampire Energy

(February 15, 2020)–)–Have you ever wondered why all your energy saving efforts seem not enough? Is your electric bill still hiking up? Well, you might have something lurking in your home. This monster is leeching

energy from your sockets and money from your pockets.

How Does It Work?

Vampire energy, also known as standby loss, idle current, or ghost load, refers to the energy being unnecessarily leeched by gadgets or appliances when you leave it plugged in. These products are consuming energy even when not in use. On average, one household can waste more than £86 each year. It is a terrible waste of electricity and money.

Who Are the Culprits?

ATTENTION Pennsylvanians! You can now request mail-in ballot for any reason

By Kim Jarrett |

The Center Square

A voter steps from the voting booth Nov. 6, 2018, after casting his ballot in Doylestown, Pennsylvania.

Matt Rourke / AP photo

HARRISBURG, PA (February 14, 2020)–Pennsylvania voters will be able to mail-in their ballots for the first time in history without a reason, but county election officials say they are not sure how it will affect the upcoming presidential primary in April.

The Secretary of State’s Office is accepting applications for the online ballots starting this week and will do so until April 21, a week before the primary. Voters will need to have a driver’s license, the last four numbers on their Social Security card or have an acceptable form of identification like a military ID card or passport. Counties must begin processing mail-in ballots on March 9, according to information for the Secretary of State’s office.

Mail-in ballots were part of an election reform package passed by lawmakers and signed by Gov. Tom Wolf in 2019 that gives voters a 50-day window to return their ballots. Voters can still ask for an absentee ballot if they have an illness, will be out of state or have another reason they cannot vote on Election Day.

Unlike absentee ballots, voters do not need a reason to want to vote by mail. They can visit their county elections office and ask for a ballot and are allowed to fill it out in person. Some election officials are concerned about the strain on county election staffs.

“County voter registration offices do not have the staff or resources to serve as an early in-person vote center, and that is what Act 77 is going to turn us into,” said Forrest Lehman, director of elections for Lycoming County at a hearing of the Senate Majority Policy Committee last month.

Voters can turn their ballot in as late as 8 p.m. on the day of the election. That timeline has some county election officials concerned about the delay in results and what voter turnout will be.

“We don’t know how many ballots we are going to need to send out,” said Timothy Benyo, chief clerk for the Lehigh County Office of the Election Board at the hearing. “We don’t know how many ballots are going to be returned. We don’t know how many people are going to show up at the polls.”

Twenty-eight Pennsylvania counties are also using new voting machines for the first time in the presidential primary, which could cause further delays in getting results.

Act 77 also gave voters 15 extra days to register before a primary or general election. The deadline to register for the April 28 presidential primary is April 13.

republished by Gloucestercitynews.net with permission of

The Center Square

Guest Opinion: 75 percent of illegal immigrants skip deportation hearings, hiding out in US

OPINION: WASHINGTON SECRETS

by

Paul Bedard

| February 07, 2020 10:35 AM

More than 7 out of 10 illegal immigrant families ordered to be deported have skipped their court dates and remain in the United States, according to federal statistics.

In just 10 courts, some 36,115 illegal immigrant families ordered out from September 2018 to January 2020 never complied with a requirement to attend their hearings and instead are hiding out in the country, according to a Justice Department report from the Executive Office for

Immigration Review Adjudication Statistics

.

The report, according to an analysis by the

Center for Immigration Studies

, found that during the period, 47,925 families were denied asylum and ordered deported, but 75% didn’t attend their court hearings to get the order.

The statistics are the latest in a long string of reports that have detailed how illegal immigrants disappear into the U.S. once they enter.

“Their failure to appear suggests that they simply gamed loopholes in our immigration laws to gain entry into this country, to live and work indefinitely,” said former Immigration Judge Andrew R. Arthur, writing for CIS.

“There is nothing wrong with people looking for a better life generally, of course, but the problem in these cases are that (1) they put themselves and their children in danger by entering illegally to begin with, (2) they gave money to criminals and cartels to be smuggled into the U.S., (3) they are swelling immigration court dockets with hearing dates they never attended and likely never planned to attend, and (4) they make it harder for legitimate asylum seekers to get protection in a timely manner, which would allow those aliens to start a new life free from fear and protect their family members still abroad. Oh, and illegal entry is a crime,” he added.

The report said that as in the past, some 9 out of 10 immigrants seeking asylum into the U.S. were denied.

Over the 15-month period and 10 courts studied in the report, judges completed 52,646 cases resulting in deportations of 47,925 — a 91% removal rate.

New Law Will Require Developers To Pay Towards Transit Improvements

(Trenton, NJ)(February 13, 2020)–Today, the Senate Community and Urban Affairs Committee released S368 (Cryan/Weinberg). The bill permits municipalities to require developers to make contributions for mass transit improvements.

“This legislation is important because it will make sure developers pay their fair share of mass transit costs associated with new developments. New developments create more demand on mass transit systems, and create more traffic in the area. New Jersey is one of the most densely populated states in the country, and we have some of the worst air quality in the nation,” said Jeff Tittel, Director of the New Jersey Sierra Club. “Developers should be required to help offset the burden that their developments put on mass transit.”

New Jersey is the most densely populated state in the country, with 1,213 people per square mile. New Jersey has been waiting to see improvements for many different transportation routes. For example, the Hudson-Bergen Light Rail has been waiting over a decade for an extension in Bergen County. Other routes waiting for improvements and expansions include the Monmouth-Ocean-Middlesex (MOM) Line, the West Trenton Line, and the Northern Branch Corridor.

“Developers are getting a free ride. They are letting taxpayers pick up the tab for mass transit improvements associated with their developments. What’s even worse is that when developers build near mass transit, especially rail and light rail, their property values go up dramatically. They can sell housing units and rental properties at much higher rates, especially when they are next to new or improved transit systems. There are many transit lines that are waiting for improvements, like the Hudson-Bergen Light Rail Line, the Monmouth Ocean Middlesex Line, the SJ Line, and many more, that developers are already benefiting from,” said Jeff Tittel. “Some of the profit that these developers are benefiting from should be captured back to help pay for improvements to these bus, rail, and light rail systems.”

Some states and cities use Transportation Development Districts to help generate revenue to pay for the costs of transportation infrastructure improvements in and around new developments. Some cities use value-added tax (VAT) to help compensate for increased property values.

“This is a step in the right direction, but we need to do more. We should be expanding Transportation Development Districts, or TDDs, as a way to capture more funding based on enhanced property values. These TDDs help coordinate and finance transportation infrastructure improvements. We should also have a value-added tax, like in L.A., San Francisco, and other cities. These taxes assess a benefit based on the increase in property values for developments near transportation, and benefits for developing transit villages,” said Jeff Tittel, Director of the New Jersey Sierra Club. “This legislation will make sure developers pay their share for mass transit improvements near their properties. Commuters and taxpayers shouldn’t have to foot the bill.”

TRUMP VISITS WILDWOOD

WILDWOOD, NJ (February 14, 2020)(CNBNews.net)–Local resident Scott MacAdams (above) was in Wildwood for the Trump Rally on January 28.  He writes, \”We were in line for 10 grueling hours, and still didn\’t get in and ended up watching on one of the Jumbotrons.  It was a totally awesome day, and we met tons of great \’Deplorables\’. Here are some photos taken that day, please share them with your readers.\”

RELATED

Wildwood Boardwalk Taken Over by Trump Backers

Democrats Holding Event in Cape May to Counter Trump Rally in Wildwood

photos by Scott MacAdams

2nd District Democrat Candidate Wants to Change Electoral College

[February 13, 2020 – Longport, New Jersey] –

In an article published yesterday in the NJ Globe, entitled, “

Democrats Who Signed No-Line Pledge Still Seeking Line

,” David Wildstein reported on the contradiction that four of the five candidates for Congress in New Jersey\’s second congressional district have signed a promise to “end the county line,” yet have continued to seek the Atlantic County Democratic line at the same time.

Brigid Callahan Harrison

The story stated that the pledge, did not “appear to have any teeth” and specifically sited candidate Amy Kennedy for seeking and winning the endorsement of the Atlantic City Democratic organization, and Ashley Bennett, who previously ran on the line for freeholder three years ago, with both also currently pursuing votes to obtain the line at Atlantic County Convention on March 8.

Brigid Callahan Harrison, the only candidate who did not sign the pledge, issued today the following detailed policy statement on

Electoral Reform and Clear Election Policy

:

The right of the people to freely and fairly decide who will represent their interests is the foundation upon which our democracy rests. But Washington DC’s culture of corruption is eating away at that foundation, and as a member of Congress from New Jersey’s second congressional district, I will prioritize several measures that will take power away from the rich and well-connected and return it to where it belongs – in the hands of the people.

I recently met with End Citizens United, a group of over 4 million members who champion electoral reform. During my meeting with them, I discussed my vision for electoral reform and clean elections. My reform agenda includes the following:

End

Citizens United

Chief among the ways we can return some power to the people is amending our constitution to overturn

Citizens United,

which essentially granted corporations and other monied interests the same rights as citizens. I believe that Congress and the states must work to amend the constitution by ratifying the Democracy for All Amendment, which grants Congress and the States the power to regulate and set reasonable limits on the raising and spending of money by candidates and others to influence elections.

Strengthen the Federal Election Commission

Another key aspect of keeping elections clean is through supporting the Federal Election Commission, the agency charged with enforcing our nation’s campaign finance laws. The FEC has essentially been stripped of its authority because half of the seats on the board remain unfilled during the Trump administration, rendering the board unable to function without a quorum. Any electoral reforms should statutorily mandate that, if vacancies on the FEC remain unfilled by a presidential administration for longer than 90 days, the presidential appointment is forfeited and the chair of the House Ethics Committee is empowered to appoint FEC Board members. I support increasing the ability of the FEC to enforce laws already on the books by providing the FEC with the resources it has been denied.

I will work to pass the Restoring Integrity to America’s Elections Act, which will strengthen the FEC’s ability to enforce current campaign finance laws.

Get Foreign Money Out of US Elections

I resolve to help keep foreign money out of US elections by supporting the Get Foreign Money Out of US Elections Act, which restricts the ability of foreign corporations to spend money in US election, and the DISCLOSE Act, which prohibits foreign interests from creating dark money organizations or shell corporations in order to influence US elections.

Greater Transparency

I would advocate for passage of the Keeping Our Campaigns Honest (KOCH) Act which requires that ads placed by dark money organizations must disclose their largest donors.

In Congress, I will support the Honest Ads Act, which would set the same standard for online political advertising as is currently required for television and radios ads.

We must make sure that our democracy remains in the people’s hands is by ensuring that the wealthy aren’t able to buy our democracy. We need to end the culture of corruption in Washington because for too long, the rich and well-connected have had disproportionate influence in our elections. That reality is in part responsible for the increasing anger and frustration that many Americans rightfully feel toward our government.