New Jersey Insurance

At a time when the debate on the state budget ordered the lion’s share of attention, legislators today found time for many other subjects: the State pension, financing hospitals, auto insurance and building permits.

The Low-Key Debate on the bills, which would be just another day schlagzeilenträchtige, however, an intermediary between the badinage spasshaften open, that the Senate and the Assembly meetings and exchange of anger triggered by the budget debate .

The pension was a bill rotation in the budgets of both Mr. Florio and the Republican legislative majority. The legislation, which today by the Senate 31 votes against 3, then to the Assembly, the State of a reduction in its payments to various pension schemes for employees, with savings to help balance budget .

The administration believes that the amendment would be a little over $ 1.2 billion for the budget year 1993 starts on 1 July and $ 568 million per year in subsequent years.

In another rare show of cooperation with Mr. Florio, the Assembly and Senate a bill that would extend that until November 30 that the system pays for hospital care for people can not or do not pay their bills. The Assembly vote was 66 to 6 vote and the United States Senate, 32 to 0. Buy a time for revision

“This law protects municipal hospitals and others that poor people in serious financial risks and seeks to ensure federal Medicaid funds for New Jersey,” said Senator Louis C. Bassano of the Union, the sponsor. “Error act at risk over $ 1.2 billion in the value available to the state for reimbursement of the hospital.”

The bill seeks, by the governor and lawmakers time to review the system, also known as decompensated Care Trust Fund. In May, a federal judge in Newark, has completed increases in hospital bills under the system was unfair and is not applicable and federal law, even the plans financed by insurance does not pay.

On Wednesday, an appellate court authorizes the state to demand more time to file an appeal of the judgement.

The Assembly today approved the revision of two controversial points of the state auto insurance law

A bill would allow insurers to consider age, sex, residence and family situation when determining auto insurance rates. There was 70 to 0 and was sent to the Senate. The increase in costs Urban

The second bill would allow insurance companies for charging more customers in urban areas. It was adopted, 57 to 13, and Mr. Florio.

By a vote of 58 to 11 hours, divided along party lines, the Assembly approves the Republican governor and the law, that the extension would be granted building permits expired after Jan 1, 1989, at least December 31 1994. This would be for authorizations of a community, countries, regions or countries, the government or any agency or department of the Commission of the State.

Mr. Florio veto an earlier version of the bill, sending back to legislators with the recommendation that this is a clause on the protection of wetlands in the state.

But after the rejection of democratic change would also sponsored the specific language sought by Mr. Florio, the Republicans today, the Assembly approved a bill almost identical to that of a governor’s reluctance delivery is again the Governor’s Office, where there is probably another face Veto.

“These accounts, it is the destruction of wetlands and our jobs,” said Dolores Phillips, director of legislative power of the New Jersey Environmental Federation. “Muscles owners were Beugehaltung the legislature, and she responded that the sale of public interest. ”

Robert D. Assemblyman Franks of New Providence, the sponsor of the legislation as it stands today jobs.

The total value of construction projects of new jobs, new housing and new employment opportunities for our people should move without moving forward backwards by Regulation maze, they have already managed to navigate, ” said Franken.

First, I was Gateway, a 26-office tower and 250 hotel rooms, across the street from the Pennsylvania Railroad Station in Newark. At his inauguration in 1970, he was the sole occupant of 20 hectares of urban renewal, the agenda, one quarter of a mile from Broad Street, and observers, has questioned the viability of commercial development in Newark , Far from the path of success.

A year later, the bridge and II, open every 838000 square meters have been leased, as it always is, Western Electric, AT & T. Now Technologies. The two buildings were connected to the bridge and Penn Station in increasing skywalks that commuters who have no access to walk in the streets of Newark.

After a pause for the construction of 13 years, in which the right of ownership over the complexity of the change in initial development - Food Fair properties of Philadelphia and Gene A. Ginola, New Jersey Builder - on the Prudential Insurance Company of America, Gateway was built finally III. Geschossige a 18-lap, it contains a half-million square metres of space and rentals 7000-square-foot retail arcade, all now fully leased at rates of about $ 25 per square foot - are among the highest in the state.

The success of the bridge-III, and the strong possibility that a large current tenant is entitled to take an important part of the space in a new building, Prudential led to the restoration plans for the planning of the city Last month the board of directors of the bridge-IV. The 15-Story, 315000 square feet of building the sheath of black and gray glass is the gateway III Atrium Lobby, for the construction by the degree of partnership Newark.

The action of Newark, insurance company based on good news for the city, as last week, a pioneer on the other side of Penn Station for $ 40 million an office building. The 17-Story, 400000 square foot building, known as Newark Legal and Communications Center, are regarded as housing sold to law firms. In addition, it was level and five of its 17 floors are already reserved.

Prudential’s plans for the bridge IV were approved last week by the company’s Board of Directors. The transformation is then at the same time on the bridge IV and the legal community, both for the conclusion of roughly the same time in spring 1987. Together, they add, 715000 square metres of new office space of the first order on a section of Newark, already more than 2.2 million square meters of industrial land. The total investment for the two buildings, $ 80 million.

Newark”ist a very promising area for office growth,’’said Robert C. Winters, vice-chairman of the supervisory commission and a director of the Regional Plan Association, studies of the metropolitan area of economic development. ”With regard to the economy and the transport and demography of the workforce, it supports all Newark.”

For a city as troubled as Newark, no new construction would have been welcome. But over the past five years, its downtown has a major revitalization of three new large office buildings now fully leased.

Penn station itself was $ 20 million rehabilitation. The old market Mulberry Street, which stood on the way to renovate the bridge was successfully relocated in two newly constructed buildings, procedures and plans to transform the former Newark News building on Market Street in the ‘residential housing.

Other parts of the city were also signs of recovery. Earlier this month, Mayor Kenneth A. Gibson announced plans for the rehabilitation of 1000 hectares, hit by unrest in 1967. The city is technical assistance and the country, while private developers are encouraged to build rental and rental property and a sales center and small surfaces.

Under the bridge-IV, Prudential plans to build a garage in the 600 Market Street. It is designed to be, it can be extended to two other office buildings - gateways V and VI - again if they deem it necessary.

City officials, it would be very happy to continue investments Prudential in Newark. Gateway is”very important for us,’’said Mayor Gibson. ”It shows the continuing confidence of the private sector in the city of Newark. And I do not have to tell you that Prudential is not included in the service company business.”

The legal and Communications Center is a joint venture between Newark Economic Development Corporation and the Port Authority of New York and New Jersey, in the last month, $ 40 million expenditure for the structure. The Port Authority’s financial commitment was a quid pro quo for approval by the agency to increase the bridge and tunnel tolls and the path of rates during the year 1983.

The city of Newark, by the semi-autonomous Economic Development Corporation, received $ 9.8 million Urban Development Action Grant to build a Highway 450 and an underground car park between the sidewalk and the construction of the station . All these Aktivitäten”ein bodes well for Newark,’’said Alfred L. Faiella, executive director of the Agency. But despite the confidence of the city, planners and investors to say that Newark still has a distance before he makes with the rest of the rapid expansion of market northern New Jersey. Security problems still more candidates for tenants, and a large part of the newly created space have been taken so far by companies already in Newark.

Federal lower standards for new homes for G overnmentinsured mortgages were put into service by the D epartment of Housing and Urban Development, but they are stirring l ittle Builder tristate interest in the region.

Changes in standards since 1963. They were the Hotel Carter in 1980 and adopted with amendments by the Reagan administration, which explains how, in line with government efforts to reduce regulation of the economy. It met on 24 September.

”The revisions have eliminated requirements livability capacity and market the new housing, without compromising safety or health criteria.”Dit K. Donald Baxter, director of the Division construction standards HUD

The former property standards have been established on the basis of a scale keyed the number of rooms in a house and requested that certain functions of a client before a buyer could be considered, a mortgage insured by the Federal Housing Administration.

For example, in a four-bedroom, a living room taken no less than 180 square metres. The amount of the bedroom and all other living spaces taken no less than seven years and half a metre. In the kitchen, the client has been committed, a 32-inch sink with counter space by 30 cm at least two pages, an area of 36 cm for a refrigerator and 42 inches for a stove. And everyone has one or two units should be at least 200 cubic feet of storage space.

But none of these criteria. Federal inspectors, however, is to continue to evaluate new houses, “said Baxter. ”We do not say poorly designed and market livability total capacity functions are updated, if a candidate comes to us, the FHA insurance. We can not give blanket or on the basis of our decision, but our final decisions reflect local standards, not a federal mandate.”

While some owners in New York, New Jersey and Connecticut, the revisions would be a contribution to the reduction of time, because they will undoubtedly difficult to stimulate new buildings, which has been slowed by rate interest rates and construction costs. Some owners, was relevance of these revisions, because so many houses in the region were built to standards much higher than the government. Richard Davis, Executive Director for the Home Builders Association of Connecticut, said:”operating costs of H ome building in most areas of Connecticut are too high for standards F. HA. And people do not want to pay additional fees f or a HUD inspection, so that contractors work in our region does not have m paid attention to the changes.”

But Alan Temkin, president of A.T. Properties, a concern in the north-west of Connecticut, built between 60 and 70 apartments FHA-insured during the year, said his company was carefully reviewing the revisions.

In New York, officials of the Ministry of Housing, Preservation and Development, said would have little effect revisions. Timothy Flannagan, programme coordinator for the Agency to promote home ownership program, said all the nearly 2000 entries and the families of two houses built in the city last year had livability standards of capacity and market higher than HUD’s old.

But George Kohn, president of the New Jersey Builders Association, said the revision of rules that more affordable housing in New Jersey. ”This is a good step but only a little earlier, to see what effects it might have on domestic prices,”he said.

Wietecki Alfred, deputy director for the Newark-area HUD office, a jurisdiction includes 12 districts in northern New Jersey, it offers a similar assessment. ”In the long term is a combination of relaxation minimum standards of property, in conjunction with the decline in the level of interest rates could be more affordable housing,”he said. ”But now, we can not say.”

In a report last February, President Reagan Commission, the cabinet of 30 members of the advisory group asked for fundamental changes in the role of the FTA The Commission has proposed that the Agency’s role of providing mortgages to ‘insurance should be private mortgage insurance. The maximum duration of FHA-insured mortgage varies in different areas of the nation. In most countries is 67500 dollars, but in the New York metropolitan area, is the maximum value of $ 72500. The current level of interest rates for mortgages insured is 12.5 percent.

Trebbich Bennett, a H.U.D. Construction, an analyst with the Agency’s New York office, because of the multiplicity of FHA programs, the statistics were not available, the number of insured FHA oneand built two family homes in the metropolitan area.

Of all the things confusing and costly to purchase a house or refinancing a mortgage - and there are many - as insurance, the price.

“Many customers do not understand title insurance,” said Samuel Ingram, president and CEO of myclosingspace.com, a company that provides securities-fire insurance and other domestics. “It is the largest component of closure costs and people do not know yet do something to be done.”

They should learn about them, as the title of insurance that protects homeowners “on the order of property rights, closer control of state regulatory authorities and other critics. This tax, that:

– Title insurance prices - and profits - wrongly, has increased because it is based on property prices, the amount from 2000 to 2005. “The housing boom has been very profitable for insurers,” said J. Robert Hunter, director of insurance for the Consumer Federation of America.

Although the legislature has passed over 100 bills during the last days of the meeting - including an increase of one for himself and other officials - several crucial issues remained in a trough remains .

Wait action at the next meeting, three issues: a financing plan for $ 11.5 billion in the renovation of the school, find the money for the state of roads and bridges and ” an invoice, so that cities at the expense of developers to pay a tax for municipal improvements.

”We had a Steady-as-you-go legislator,”Assemblyman Anthony Impreveduto, a Democrat from Secaucus, said. ”There was no effect on important issues.”

William G. Dressel, director of the New Jersey State League of Municipalities, concerns about the priorities of the legislature, wrapped up business last Monday.

For two years, Mr. Dressel said last week he had tried to convince legislators that cities and municipalities need to taxes, fees known as the implications for developers to help pay for school, protection against floods and water channels and means of transport projects.

”I scratch my head and say what we are trying to do?”He said.

But the chairman of the Senate, Donald T. DiFrancesco, a Republican of Scotch Plains, said the last session is among the best he had seen during his 20 years on the Board of Appeal, citing the Labour Act deregulated the fields of energy, reduce costs for auto insurance and conserving open space.

The legislature has passed a bill on Monday - which is likely to be signed by the Governor-in-law Whitman - where the first salary increase for 10 years. The measure, the legislator salaries up to 49000 $ 35000 $ 2002, beyond the governor’s salary would go up to $ 175000 $ 130000, even if Mrs. Whitman has only $ 85000 a year since he took office in 1994.

During the action of taxes for developers impact has been passed by the Senate, November stalled the legislation in the Assembly. Developers expressed concern about the measure, because the cost of the fee would be determined by individual cities and municipalities, and not by a State responsible course.

Carol Anne Giancarli, a spokesman for the New Jersey Builders Association, said the developer are not against the effects of taxes - is estimated at $ 500 to $ 30000 a new homeland - but was concerned that State did not comply.

But, “said Dressel home owners are often marketed on the basis of the quality of a local school for the elderly or centres of population, it was reasonable to developers for free to the conservation of these organisms.

The State has an ambitious programme of building the school is also awaiting legislative measures, as the law on seeking donors of $ 11 billion to finance the project. The court’s mandate requires the state to fund all construction in the 30 poorest districts, leaves the legislature with a change of $ 7 million for the start. Other school systems would get public funds on a scale according to population, average income and wealth.

Assemblyman Richard H. Baggar, a Republican from Westfield, said he was disappointed that the legislature has failed, the address of the school building and added that on the preliminary Brenner next meeting.

In his State of the State address, Fr Rückert encouraged legislators to accelerate their efforts on the construction of the school. Although warned M. DiFrancesco, hastily such a complex issue, he said the construction of the school would be a priority next meeting.

Officials of State were also encryption system to replenish New Jersey’s Transportation empty trust funds. In November voters approved a loan of $ 450 million to flow into the Fund by the end of June.

The administrations of Fr Rückert and former Dir James J. Florio, to a large extent on the obligations to be met by the Fund, 15 years ago to pay for the construction and maintenance of roads and bridges. With the Fund for the most part are broken, the legislature must now be a solution to long-term care funding to some of the most serious traveled corridors.

Party Labels do not mean that the world in New Jersey. Voters are likely to be played with taxes, at least at the edges. Perhaps, what people want first and foremost in a governor is someone really, really hate Big-Box stores.

Governor McGreevey, in its dealings with State of the State message last week to communicate as wonk land use, took something at politicians have been slow to understand strange: Only because many people want live in big houses over Newark, does not mean that they want all others to do likewise. Indeed, most of them developers hate positive, it would be possible.

The governor was unusually tight in his speech of 48 minutes, devotes more than 10 minutes on the Thema””mindless urban sprawl and its proposals to combat it. He jumped over a large part of the activity of government, that the legislator to do this year, taxation and misfortune that promises to exhaust every half for the next year.

In addition, he announced plans for a serious curve of a few campaign promises: the candidate railed against high auto insurance and called for restrictions on campaign contributions by the State contractor was suddenly the governor, wants to allow insurers more and tax a veto campaign finance bill position of his office.

But he showed he knows how the man his hand and he made a great extent by anger.

Mr. McGreevey, probably the first governor of the Begriff””McMansions in a speech on the legislative power, is certainly the first rude to them. Dir Christie Whitman spent several years within the Office before the investigation into the disappearance of the State landscape, and their solution was the so-called win-win for the purchase of open space.

Mr. McGreevey first attack of the enemy. ”If you want to create, in protected areas or surdéveloppé,”he said,”we do everything in our power to stop.”

And later:”Let me tell you that those who benefit from the Strip-mail and McMansions - if you reap the benefits, you must take responsibility for the costs of the proceedings.”

The enemy was chagrined. Patrick J. O’Keefe, the executive director of the New Jersey Builders Association, has many years of his life for resistance against the heavy hand of government, and no very well, but after Mr. McGreevey address that sounded like a man attacked by Boy Scout.

After a few hard questions, Mr. O’Keefe asked,”Now, my question is, where are the families live?”

Another issue last week, traffic was: Why is it that Mr. McGreevey do? Also it is great resistance. More importantly, that many Republicans in Trenton say, the governor of the state and the Democratic Party to collect contributions of millions of developers, and Mr. McGreevey’s veto of campaign finance reform mean - to them - that his intention, they are expected.

The most cynical theory is that it does not mean something to change, but knows that his proposals are never survive, the legislature may seem heroic in the time interval.

A competing theory, that Mr. McGreevey’s intention is much ado about urban sprawl, and developers are not a major obstacle. The big campaign contributors, at least, mainly in urban areas, while Mr. O’Keefe’s members are generally small and medium-size home owners in places which, by definition, not many voters.

Jeff Flanagan, head of the state chapter of the Sierra Club, said:”The governor of the policy is in free fall, is its mode of relationship with the average citizen.”

”If indeed help owners him,’’said Titttel. ”It does endear the aid on average citizens.”

But Mr. Flanagan, said the governor really dealing with urban sprawl. Almost two years, Mr. Flanagan said he discussed and Mr. McGreevey land use on coffee for two hours. Mr. Flanagan wishes that Mr. McGreevey also included the transfer of development rights.

In any case, developers are like tobacco. We can be a lot of money to politicians, but if the tide popular, it is against it is addressed to the cooperative and less.

Direction: Joseph L. Muscarelle, the founder and president of a New Jersey’s largest construction, which Muscarelle Joseph Construction Company of Maywood, died Sunday at Hackensack (NJ) Medical Center after surgery for an aneurysm. He had 85 years and lived in Hackensack.

Joseph L. Muscarelle, the founder and president of a New Jersey’s largest construction, which Muscarelle Joseph Construction Company of Maywood, died Sunday at Hackensack (NJ) Medical Center after surgery for an aneurysm. He had 85 years and lived in Hackensack.

Mr. Muscarelle the company began in the year 1926, amended through another Zimmermann. Today the company employs about 1000 people and has approximately $ 50 million in the centres and offices each year. Among customers include Prudential Life Insurance Company, Sony Corporation, The Rouse Company, IBM, Ford Motor Company and American Cyanamid. His projects included Woodbridge and Paramus Park centres and Essex County College.

Mr. Muscarelle was also a philanthropist, donated the money for a centre for the development of construction studies at Fairleigh Dickinson University and a museum, the College of William and Mary.

He had as chairman of the Master Builders Association of Bergen County and as a manufacturer’s representative Association of New Jersey, Bergen Community College, Hackensack Hospital and Columbus Hospital in Newark. He was president of the foundation of a family has more than 200 scholarships since its inception in 1958.

He leaves his wife, Margaret, a son, Joseph Jr., Saddle River, New Jersey, two daughters, Carole Infante of Ridgewood, NJ, and Marlene Flanagan of Winnetka, Ill., a brother, Charles, Saddle River, two sisters , Concetta Corso of Wyckoff, NJ, and Grace Calendrillo of Garfield, NJ, 15 grandchildren and four rear-grandchild son.

Direction: This New Jersey auto insurance Reform Act “shows the weaknesses inherent political solutions to economic issues. These solutions are based on the lack of experience and emotion.

The current level of the New Jersey auto insurance Reform Act “shows the weaknesses inherent political solutions to economic issues. These solutions are based on the lack of experience and emotion.

Jim Florio Leveling attempt rate, the burden of high risk for the presentation of little or no risk. The good drivers pay for bad drivers. Vorstädtischen rural and urban drivers pay the driver.

The sudden end of the J.U.A. causing chaos as J.U.A. Brokers go to the store and there is no substitute for direct coverage of the 1.6 million motorists in the program. Do you try to pay 3.1 billion dollars of USA JUA Short-term debt could lead to bankruptcy or abandonment of New Jersey by some insurers. In addition, a valid medical, legal and other costs as a commercial pilot, in collaboration with other drivers, have more to pay for registration.

The limitation P.I.P. Coverage is stupid. This means higher costs of additional premiums. Resort health insurance, of course, force, until the costs of health insurance to the point where even Fortune 500 employers, coverage. So where are the savings?

A fair approach would involve all available by the following factors: (1) Accident judicial violations, (2) driving practice, (3) Total assets, investment and profitability of transport companies (for Fluency in excess””charges against state management offices), (4) The brand and model of the car, (5) House address.

A long-term approach includes the following elements: (1), close cooperation between the insurer, the state and policyholders in the follow-up medical care and legal costs, (2) takes action against the excesses of process management, consultancy and responsible as jurors cases (3) Verification and updating of the DMV and better compliance with regulations relating to traffic.

The last element and the most important relates to the root of the problem, insurance costs in road transport. This means that economic development under control. On a state and local level, let’s strengthen elected leaders, through its electoral campaign for contributions from developers or approve applications Bautischler chance. In the end, we can highest local taxes, but some prefer nice save on insurance costs.

After 25 years as a New Jersey insiders behind the scenes players, Donald T. DiFrancesco, Chairman of the Senate of the State occurred before today as governor-in-waiting after Dir Christie Whitman was President George W. Bush to the administrator of the Environmental Protection Agency.

At a press conference in the municipal building in his hometown, Mr. DiFrancesco, a Republican, said he was willing, in the professional world, he wished for years and runs in the next November for a full mandate.

In accordance with the provisions of the Constitution of New Jersey’s, he remains the President of the Senate and the governor for a candidate as Chairman while the governor of the adoption, Mrs. Whitman’s selection by the United States Senate.

”I know that many in New Jersey have questions about the new responsibilities that I am as chairman of the Senate are not as a governor in office,”he said. ”I recognize the historic nature of this event, and I’m honest, humiliated, both a witness and participants.”

Mr. DiFrancesco Mrs. Whitman today welcomed the appointment’s and outline his own agenda. Mr. DiFrancesco, is already underway for its publicity campaign for governor, cited tax cuts, health and the environment as one of its priorities.

”The recipe care mandatory for seniors to drinking water, I am ready to enter the New Jersey on priorities, he said”,” beginning with the strengthening of public support for the Senate “Property Tax Relief Now ‘plan, the return over $ 400 million in direct property tax relief for families and the elderly.”

Mr. DiFrancesco, a moderate, faces a challenge of the first Mayor Bret Schundler of Jersey City, is his right. The Republican candidate without doubt the face of Mayor James McGreevey of Woodbridge, the Democratic Front-runner in the November-choice. But Mr. DiFrancesco policies aimed probably get a boost from his governor’s ascent to office.

At first glance, Mr. Mrs. Whitman and DiFrancesco could share with him several similarities. How the Republican moderates, who both support abortion demonize the government and property rights of taxes and tariffs on auto insurance.

But if Mrs. Whitman agreed today administrator of the EPA, she opened the door for a politician, could not be different from him, in most opportunities. Yes, Mr. DiFrancesco comes to the office of governor, as something anti-Whitman.

Unlike Mrs. Whitman, blue blood Born into a rich and immense prominent political family, Mr. DiFrancesco has a tree trunk, it is remarkably modest. The son of Italian immigrants, whose father was a carpenter, Mr. DiFrancesco, known as the Trenton about Donnie D., lives in a modest house in the city working where he was born and raised. He travels often far from opting to move his family been Jersey Shore’s Beach House.

Similarly, unlike Mrs. Rückert, M. DiFrancesco, 56, made his name as a consensus versöhnlichen Builder, pleasures of sport in legislative gamesmanship. It does not punish his opponents, but with gentle nudges strength of conviction.

Mrs. Whitman, a spokesman energetic charm can also most of its loans to combat enemies. Mr. DiFrancesco, detect friends, a bit like a failure. ”It is a nice man, a nice type,’’said Thomas H. Kean, former governor and a longtime friend and provides a description constantly others say. Tom Wilson, a political adviser, offers advice chairman of the Senate, “said DiFrancesco did not back-slapping, baby-kissing school of politics.

”It is quiet and reserved with a dry humor,’’said Wilson. And unlike Mrs. Whitman, became a national figure at the time, she was elected governor, M. DiFrancesco is locally on the kernel.

”He is a regular type Jersey,”Mr. Wilson added a description, even with an adaptation of sex, would never be sent to Mrs. Whitman.

As a regular Jersey type could help Mr. DiFrancesco parlay his stay as Chief Executive in four years, an offer, November. On the other hand, a lack of telegenic charisma could hinder his gubernatorial prospects. Nevertheless, the benefits of owning a mandate of most all agree, we will be on the path of selling to Mr. DiFrancesco voters.

A sample statistics show that New Jersey stacks up to the rest of the nation:

HOUSING here, as the price of housing in New Jersey, compared with the rest of the country, in a survey of 184 urban markets released last week by the National Association of Home Builders.

Nationally, the median price of homes sold during the last quarter of 1996 was $ 120000 to 2.6 percent over the previous year.

The survey of 184 urban markets, these areas of New Jersey: Atlantic City, where the median price was $ 100000 home to 7.5 per cent over the previous year; Bergen County, $ 165000 to 8.3 per cent, Jersey City, 130000 0, 8 percent; Middlesex County, $ 151000, 11.2 per cent; Newark, $ 163000 in 1.9 per cent, and Trenton, 136000 $ 4.6 per cent.

AUTO INSURANCE It would be difficult to convince people that the situation of auto insurance is becoming better, but it is a way to read a recent report by the National Association of Insurance Commissioners.

During 1990, the average cost for auto insurance in New Jersey, 1064 $, which is 86 percent higher than the national average of $ 572. In 1995, the average New Jersey was $ 1013, only 52.1 per cent higher than the national average of $ 666.

Another possibility for interpreting the statistics, it is not, of course things are better in New Jersey, but she still worse than in the rest of the nation.

The tuberculosis in 1996, New Jersey had 820 TB cases, 3.3. To cent less than the previous year, public health authorities reported. With 20.3 cases per 100000 people, New Jersey eighth place in the nation in the rate cases.

It is dangerous for pedestrians as pedestrians in New Jersey, according to a report released last week.

The State No. 2 rows in the nation in traffic deaths, people on foot. In 1995, 162 of the 771 victims were pedestrians, or 21 percent. In 1994, 169 of the 760 victims were pedestrians, or 22 percent.

Only New York is highest in the country with a share of 25 percent (which is 510 pedestrian deaths) in New York, 46 percent of fatal accidents for pedestrians, according to the Surface Transportation Policy Project, Washington, a group of advocacy, which focus on transport security.

Far federal approximately 6000 pedestrians are killed in traffic accidents each year, approximately 13.4% of fatalities.