Filing Tax Assessment Appeal in Jersey City


In this post, I will cover a how to for filing a resident’s tax appeal. It’s quite simple. This is not meant to cover all special situations but should cover simple situations if you live in a condo in Jersey City for example. For other situations, review the handbook listed below.
Most importantly – this appeal needs to be in the hands of the folks by Dec 1 2022 otherwise it will be rejected. Therefore, really important to visit the office and hand it over in-person the tax officer said. You could also send it via a certified mail.

Important Links

  1. Where to get the appeal form for mid-year added/omitted assessment https://www.state.nj.us/treasury/taxation/pdf/other_forms/lpt/adomap.pdf
  2. N/A for mid-year: But if you are filing during the usual time January or Apr for annual tax changes use https://www.hcnj.us/wp-content/uploads/2021/12/a-1-petition-of-appeal.pdf
  3. Comparables are obtained from: https://www.zillow.com/b/20-2nd-st-jersey-city-nj-5XkRmF/
  4. Appeals handbook: https://secure.njappealonline.com/prodappeals/help/Hudson_InstructionsHandbook.pdf
  5. If you are filing an online appeal you can do so at http://www.njappealonline.com/prodappealonline/Home.aspx however, this site only works at certain times of the year. For example, in Nov 2022 the site is not accepting Hudson County appeals for some reason.

How to fill the form:

  • This is the link for the ratio for Jersey City municipality (max value is 100%) i.e., the cost of the sale price. Minimum value for Common Level Ratio in Jersey City for 2022 is 0.7426 and Max is 1.0. So if your unit value is assessed to be within the maximum and minimum range you do not qualify for an appeal.
    This is where you get the Common Level Ratio values from: https://www.state.nj.us/treasury/taxation/pdf/lpt/chap123/2022ch123.pdf . E.g., let’s say your unit value was assessed to be $1mn and comparative sale prices show that the total value of the unit is $950,000 this sale price is not within $1mn/0.7426 and $1mn/(1.0). This means that you qualify for an appeal. So your taxable value would be $950,000*0.8737 (Avg. value of the Common Level Ratio) = $830,015. At a 2.118% tax rate this would come to $17,580.
  • The is what the fields look like:
    Bock / Lot / Qualifier – you get it from your tax bill and also can be obtained from https://tax1.co.monmouth.nj.us/cgi-bin/prc6.cgi?district=0906&ms_user=monm by searching the site via address
  • Next go to Zillow (https://www.zillow.com/b/20-2nd-st-jersey-city-nj-5XkRmF/) and find the comparable sales for your unit for the pretax year (if you are appealing 2022 assessment, use 2021 sales). Goto https://tax1.co.monmouth.nj.us/cgi-bin/prc6.cgi?district=0906&ms_user=monm and find the sale dates and add that information to the form.
  • The prorated fields in the form can be left out because the county knows those values (so I did not fill those out, the county clerk did that for me)
  • Sign and date the form
  • You need to send one copy each to the following addresses via post or in-person (if the online system does not work).
    Hudson County Board of Taxation, Hudson County Plaza, 257 Cornelison Ave Room 303, Jersey City NJ 07302. You also need to send one copy to the city: Office of the City Assessor, 364 Martin Luther King Drive, Jersey City NJ 07305. Phone: 201-547-5131.

Pcaprub installation on Win 10 x64


If you encounter the following error, the issue is pcaprub uses a hardcoded path for Winpcap.  I downloaded winpcap v4.1.3 and downloaded the dev kit for Winpcap and put it in c:\WpdPack.   Additionally, since I use an x64 machine I had to copy the file C:\WpdPack\Lib\x64\*.lib into C:\WpdPack\Lib and then the compilation worked.

You need pcaprub for things like msf.


C:\dev\kit>gem install pcaprub
Temporarily enhancing PATH for MSYS/MINGW...
Building native extensions. This could take a while...
ERROR: Error installing pcaprub:
ERROR: Failed to build gem native extension.

current directory: C:/Ruby24-x64/lib/ruby/gems/2.4.0/gems/pcaprub-0.13.0/ext/pcaprub_c
C:/Ruby24-x64/bin/ruby.exe -r ./siteconf20181112-2628-1wqgu6f.rb extconf.rb

[*] Running checks for pcaprub_c code...
platform is x64-mingw32
checking for -lws2_32... yes
checking for -liphlpapi... yes
checking for windows.h... yes
checking for winsock2.h... yes
checking for iphlpapi.h... yes
checking for ruby/thread.h... yes
checking for rb_thread_blocking_region()... no
checking for rb_thread_call_without_gvl()... yes
checking for pcap_open_live() in -lwpcap... no
checking for pcap_setnonblock() in -lwpcap... no
creating Makefile

current directory: C:/Ruby24-x64/lib/ruby/gems/2.4.0/gems/pcaprub-0.13.0/ext/pcaprub_c
make "DESTDIR=" clean

current directory: C:/Ruby24-x64/lib/ruby/gems/2.4.0/gems/pcaprub-0.13.0/ext/pcaprub_c
make "DESTDIR="
generating pcaprub_c-x64-mingw32.def
compiling pcaprub.c
In file included from C:/WpdPack/include/pcap/pcap.h:41,
from C:/WpdPack/include/pcap.h:45,
from pcaprub.c:11:
C:/WpdPack/include/pcap-stdinc.h:64: warning: "snprintf" redefined
#define snprintf _snprintf

In file included from C:/Ruby24-x64/include/ruby-2.4.0/ruby/ruby.h:2429,
from C:/Ruby24-x64/include/ruby-2.4.0/ruby.h:33,
from pcaprub.c:1:
C:/Ruby24-x64/include/ruby-2.4.0/ruby/subst.h:6: note: this is the location of the previous definition
#define snprintf ruby_snprintf

In file included from C:/WpdPack/include/pcap/pcap.h:41,
from C:/WpdPack/include/pcap.h:45,
from pcaprub.c:11:
C:/WpdPack/include/pcap-stdinc.h:65: warning: "vsnprintf" redefined
#define vsnprintf _vsnprintf

In file included from C:/Ruby24-x64/include/ruby-2.4.0/ruby/ruby.h:2429,
from C:/Ruby24-x64/include/ruby-2.4.0/ruby.h:33,
from pcaprub.c:1:
C:/Ruby24-x64/include/ruby-2.4.0/ruby/subst.h:7: note: this is the location of the previous definition
#define vsnprintf ruby_vsnprintf

pcaprub.c: In function 'rbpcap_each_data':
pcaprub.c:992:9: warning: cast from pointer to integer of different size [-Wpointer-to-int-cast]
fno = (int)pcap_getevent(rbp->pd);
pcaprub.c:992:7: warning: assignment to 'HANDLE' {aka 'void *'} from 'int' makes pointer from integer without a cast [-W
fno = (int)pcap_getevent(rbp->pd);
pcaprub.c: In function 'rbpcap_each_packet':
pcaprub.c:1034:9: warning: cast from pointer to integer of different size [-Wpointer-to-int-cast]
fno = (int)pcap_getevent(rbp->pd);
pcaprub.c:1034:7: warning: assignment to 'HANDLE' {aka 'void *'} from 'int' makes pointer from integer without a cast [-
fno = (int)pcap_getevent(rbp->pd);
pcaprub.c: In function 'rbpcap_thread_wait_handle':
pcaprub.c:1274:7: warning: passing argument 1 of 'rb_thread_call_without_gvl' from incompatible pointer type [-Wincompat
In file included from pcaprub.c:4:
C:/Ruby24-x64/include/ruby-2.4.0/ruby/thread.h:28:7: note: expected 'void * (*)(void *)' but argument is of type 'VALUE
(*)(void *)' {aka 'long long unsigned int (*)(void *)'}
void *rb_thread_call_without_gvl(void *(*func)(void *), void *data1,
linking shared-object pcaprub_c.so
pcaprub.o:pcaprub.c:(.text+0x1a0): undefined reference to `pcap_lib_version'
pcaprub.o:pcaprub.c:(.text+0x1e0): undefined reference to `pcap_findalldevs'
pcaprub.o:pcaprub.c:(.text+0x2b8): undefined reference to `pcap_freealldevs'
pcaprub.o:pcaprub.c:(.text+0x32f): undefined reference to `pcap_lookupnet'
pcaprub.o:pcaprub.c:(.text+0x43d): undefined reference to `pcap_close'
pcaprub.o:pcaprub.c:(.text+0x45a): undefined reference to `pcap_dump_close'
pcaprub.o:pcaprub.c:(.text+0x67c): undefined reference to `pcap_set_timeout'
pcaprub.o:pcaprub.c:(.text+0x6ce): undefined reference to `pcap_list_datalinks'
pcaprub.o:pcaprub.c:(.text+0x707): undefined reference to `pcap_datalink_val_to_name'
pcaprub.o:pcaprub.c:(.text+0x76d): undefined reference to `pcap_free_datalinks'
pcaprub.o:pcaprub.c:(.text+0x782): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0x828): undefined reference to `pcap_datalink_name_to_val'
pcaprub.o:pcaprub.c:(.text+0x895): undefined reference to `pcap_set_datalink'
pcaprub.o:pcaprub.c:(.text+0x8b3): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0x93f): undefined reference to `pcap_set_snaplen'
pcaprub.o:pcaprub.c:(.text+0x9d4): undefined reference to `pcap_set_promisc'
pcaprub.o:pcaprub.c:(.text+0xae1): undefined reference to `pcap_lookupnet'
pcaprub.o:pcaprub.c:(.text+0xb57): undefined reference to `pcap_compile'
pcaprub.o:pcaprub.c:(.text+0xb6d): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0xb9f): undefined reference to `pcap_setfilter'
pcaprub.o:pcaprub.c:(.text+0xbaf): undefined reference to `pcap_freecode'
pcaprub.o:pcaprub.c:(.text+0xbc1): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0xbe9): undefined reference to `pcap_freecode'
pcaprub.o:pcaprub.c:(.text+0xc62): undefined reference to `pcap_compile'
pcaprub.o:pcaprub.c:(.text+0xc75): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0xc9d): undefined reference to `pcap_freecode'
pcaprub.o:pcaprub.c:(.text+0xccf): undefined reference to `pcap_activate'
pcaprub.o:pcaprub.c:(.text+0xd33): undefined reference to `pcap_close'
pcaprub.o:pcaprub.c:(.text+0xe0b): undefined reference to `pcap_close'
pcaprub.o:pcaprub.c:(.text+0xe43): undefined reference to `pcap_create'
pcaprub.o:pcaprub.c:(.text+0x109e): undefined reference to `pcap_close'
pcaprub.o:pcaprub.c:(.text+0x110d): undefined reference to `pcap_open_live'
pcaprub.o:pcaprub.c:(.text+0x129f): undefined reference to `pcap_open_offline'
pcaprub.o:pcaprub.c:(.text+0x1419): undefined reference to `pcap_open_dead'
pcaprub.o:pcaprub.c:(.text+0x1532): undefined reference to `pcap_dump_open'
pcaprub.o:pcaprub.c:(.text+0x15d9): undefined reference to `pcap_dump_close'
pcaprub.o:pcaprub.c:(.text+0x171e): undefined reference to `pcap_dump'
pcaprub.o:pcaprub.c:(.text+0x17e7): undefined reference to `pcap_sendpacket'
pcaprub.o:pcaprub.c:(.text+0x17fa): undefined reference to `pcap_geterr'
pcaprub.o:pcaprub.c:(.text+0x18ea): undefined reference to `pcap_setnonblock'
pcaprub.o:pcaprub.c:(.text+0x1912): undefined reference to `pcap_dispatch'
pcaprub.o:pcaprub.c:(.text+0x19fd): undefined reference to `pcap_setnonblock'
pcaprub.o:pcaprub.c:(.text+0x1a25): undefined reference to `pcap_dispatch'
pcaprub.o:pcaprub.c:(.text+0x1b35): undefined reference to `pcap_getevent'
pcaprub.o:pcaprub.c:(.text+0x1be3): undefined reference to `pcap_getevent'
pcaprub.o:pcaprub.c:(.text+0x1c91): undefined reference to `pcap_datalink'
pcaprub.o:pcaprub.c:(.text+0x1cdc): undefined reference to `pcap_major_version'
pcaprub.o:pcaprub.c:(.text+0x1d27): undefined reference to `pcap_minor_version'
pcaprub.o:pcaprub.c:(.text+0x1d72): undefined reference to `pcap_snapshot'
pcaprub.o:pcaprub.c:(.text+0x1dca): undefined reference to `pcap_stats'
collect2.exe: error: ld returned 1 exit status
make: *** [Makefile:259: pcaprub_c.so] Error 1

make failed, exit code 2

Gem files will remain installed in C:/Ruby24-x64/lib/ruby/gems/2.4.0/gems/pcaprub-0.13.0 for inspection.
Results logged to C:/Ruby24-x64/lib/ruby/gems/2.4.0/extensions/x64-mingw32/2.4.0/pcaprub-0.13.0/gem_make.out



PCI SSC Forbids SSL and “Early TLS”


On April 15, 2015 the PCI SSC released the PCI DSS v3.1.  The main cause for concern for most merchants and other entities (called “entities” hereonforth) that store, transmit and process cardholder data is the prohibition of using SSL and “Early TLS”.  The PCI SSC also released a supplement to assist entities in mitigating the issue.   The supplement references the NIST guideline SP800-52 rev1 for determining which are good ciphers and which are not.

The key point being what does “Early TLS” mean?  Does it mean TLSv1.0 and TLSv1.1 OR does it mean only TLSv1.0?  Are the entities supposed to disable all ciphers except anything that’s TLSv1.2?

Answer is (in consultant speak) “it depends”. 🙂

TLSv1.1 does theoretically have ciphers that are not ideal.  Example: CBC mode ciphers that are TLSv1.1 but there may be a potential for attacks on them given that in the past couple of years CBC has fallen multiple times (BEAST, POODLE).

Google Chrome lists the use of CBC-based ciphers (despite the fact that they’re TLSv1.1) to be obsolete.  Google Chrome essentially makes “obsolete cryptography” a function of using TLS v1.2-based ciphers.


Firefox allows the configuration of disabling TLSv1.0 and that can be done by typing “about:config” in the address bar.  The security.tls.version.min = 0 (means SSLv3), 1 (means TLSv1.0), 2 (means TLSv1.1) and 3 (means TLSv1.2).  The following screenshot shows the configuration snapshot (here the lowest allowed version is TLSv1.0).


Let’s start with what is definitely ok for PCI:


 TLS_RSA_WITH_NULL_SHA256                  NULL-SHA256
 TLS_RSA_WITH_AES_128_CBC_SHA256           AES128-SHA256
 TLS_RSA_WITH_AES_256_CBC_SHA256           AES256-SHA256
 TLS_RSA_WITH_AES_128_GCM_SHA256           AES128-GCM-SHA256
 TLS_RSA_WITH_AES_256_GCM_SHA384           AES256-GCM-SHA384









 TLS_DH_anon_WITH_AES_128_CBC_SHA256       ADH-AES128-SHA256
 TLS_DH_anon_WITH_AES_256_CBC_SHA256       ADH-AES256-SHA256
 TLS_DH_anon_WITH_AES_128_GCM_SHA256       ADH-AES128-GCM-SHA256
 TLS_DH_anon_WITH_AES_256_GCM_SHA384       ADH-AES256-GCM-SHA384

Now let’s see what may potentially be good from TLSv1.1 perspective (from NIST SP8000-52 rev1):

TLS_RSA_WITH_AES_128_CBC_SHA            AES128-SHA

Here’s a problem though per OpenSSL man page:

If you’re using OpenSSL, how do you ensure that the browser is not negotiating the vulnerable TLSv1.0 ciphers? The only real answer seems to be by providing a cipher order for negotiation and hoping the client doesn’t cheat.  Most likely, the browser will negotiate a better cipher when it exists in the server and on the client and you’d avert the possibility of negotiation of a bad cipher.

According to experts, anything that uses CBC is inherently broken.  But disabling TLSv1.0 may make the server inaccessible to various older Android devices.  Also, if you’re using older Java Development Kits (JDK7 and below), do remember that the default ciphers may not hit the spot for PCI.

There’s an excellent site to help you configure each type of the server so you could become PCI compliant. This is an excellent site by Ivan Ristic to test your Internet-facing servers for configuration of SSL/TLS encryption.

In conclusion, configure browsers to minimally allow TLSv1.1 and configure servers to use TLSv1.2 to be PCI DSS compliant.  The road to TLSv1.1 compatibility and PCI DSS is filled with potholes and death-falls so do it at your own risk.


Genymotion and libhoudini.so Error


I recently started using Genymotion for emulating an Android image so I could test an app.  To install the app I simply dragged and dropped the apk file into the running Genymotion VM of the phone.  But for some reason the app just kept crashing with the error “unfortunately, your application has stopped”.

Running the following gave me a ton of output but this was what was the relevant bit:

$ adb -e logcat

java.lang.UnsatisfiedLinkError: Cannot load library: load_library(linker.cpp:750): library “/system/lib/libhoudini.so” not found

What in the world is libhoudini??? Some googling brought me to this post.

According to this I needed an ARM translation library so the app still thinks it’s running on an ARM processor (which it isn’t because it’s running in x86 Virtualbox hypervisor).  Simply drag-n-drop the ARM translation.zip file into the Genymotion VM and boom, you should be good to go!


Setting up a Windows 7 Kernel Development Environment


If you are writing some Ring0 (or privileged mode code), say something like device drivers in Windows you’d probably be better served with a separate development machine and a deployment machine. This helps you to write poor code and still not lose hair because your development machine blue screens! 🙂

My setup was using a Windows 8.1 development machine and a Hyper-V based Windows 7 machine for debugging. You will need to execute different tasks on the “guest” (Hyper-V based Windows 7 virtual machine) and some other tasks on the development machine.  I followed many of the things from the MSDN blog post here

On your guest machine you would want to setup a named pipe and setup debug settings. To do that this is what you need to do:

Setup a virtual com port in the Hyper-V Settings (File -> Settings) , this port will be used to communicate from the host machine to the guest to communicate the Kernel debugging commands.


Now make sure that your target guest machine is configured to “listen” those commands.  Inside the guest VM, start a command shell (cmd.exe -> Run as Administrator).



Configure the bcdedit commands so that the machine can now be debugged.  Right after the 2nd command, reboot your Virtual Machine.



With the VM now configured to listen the debug commands via the COM1 port, and the debug mode on in the bootup settings, now start the WinDbg x64 on the host (using “Run as administrator”; you need administrative privileges for communication via Serial port).  In your kernel debugger on the host or the development machine (I’m assuming that these are both on the same physical hardware here).  Click on File -> Kernel Debug and you should see the following screen in the WinDbg window:


Hit Ctrl+Break or Debug -> Break and you will see something like this:


Just remember that when you break in the debugger, your guest in Hyper-V should become “unresponsive”.  The only thing is that it is not really unresponsive, its just being debugged.  Just to make sure, that you have the symbols package that is quite useful for debugging run the following command:

!process 0 0

If you see something like the following screen show up:


The following error means that the symbols are not defined.  Symbols help the debugger give more information about the commands that you are going to execute in the debugger.

NT symbols are incorrect, please fix symbols

To fix this, use the following commands:

kd> .sympath SRV*c:\symcache*http://msdl.microsoft.com/download/symbols
kd> .symfix
kd> .symfix c:\symcache
kd> !sym noisy
kd> .reload /o

Then again try the command: !process 0 0 and see if you get a good response.  A good response looks like the following:


With this you should be good to go! Happy debugging and writing cool Ring0 code.