08742 Living February 2015

february 2015

Featured business in February

The Grenville Inn. 125 years at the Jersey Shore

Inside “The Shops at the Point-Brick border” “The Student Section” “Sharing the Shore Life”

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Subscribe ubscribe to 08742 Living v ng the vi the magazine, ma magazin ine, ne e, now…it’s n ow…it’s s

Do you want to receive 08742 Living, for FREE every month? This local friendly magazine is all about Point Pleasant Beach, Point Pleasant Boro and Bay Head. Writers, contributors, photos, editing is all done right here by local residents who know this area better than any other media available to you. 08742 Living is a free publication…and it always will be!

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Email us at sdejacimo@gmail.com, or message us at facebook.com/08742 living to subscribe.

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08742 Living is: Steve De Jacimo-Owner and Editor 732-239-1482 /sdejacimo@gmail.com Suzanne O’Connor-Advertising sales 732-948-2466 /08742living@gmail.com Travis Short-Design Director Debbie Lada, dzigns-Designer Jennifer Malpass-Photographer/photo editor Matt Connelly-Writer and Vice Principal Maureen Whelan-Writer and Occupational Therapist Christy A. Schmidt-Legal counsel and writer Jordan Noe-Writer Nicole Marie-Writer

Typhoon Media LLC 2218 Mahoney Drive Point Pleasant, New Jersey 08742 732-239-1482 Facebook.com/08742living

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Typhoon Media, LLC and 08742 Living accept no responsibility for the consequences of error or for any loss or damage suffered by users of any of the information and material contained in this magazine. Materials contained in this magazine are subject to copyright and other proprietary rights DISCLAIMER:Typhoon Media, LLC and 08742 Living have taken all reasonable care to ensure that the information contained in this magazine is accurate on the stated date of publication or last modification. It is possible that the information may be out of date, incomplete or the opinion of the author. It is advisable that you verify any information from this magazine before relying on it.

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The Shops at the Point/Brick Border3241 Route 88, Point Pleasant, NJ 08742 Timeless Creations by Cindy 732-456-4686 What is Timeless Creations by Cindy?

Timeless Creations by Cindy is an art school where students of all ages are introduced to diverse forms of art, specializing in oil painting, set inside an art gallery showcasing the works of various NJ artists.

Who is Cindy?

Cindy is a self taught artist gifted in decorative and mural painting. After becoming a finalist in HGTV's Design Star, her passion for the art grew stronger, leading to a career in turning ordinary spaces into extraordinary spaces through paint and a creative eye. A selection of her work can be seen at Timeless Creations.

Lucy’s Bead Boutique 848-232-3690 If someone reading this and is a beginner to beading, what do you offer?

Classes, adult classes for beginner to advanced. Beaders are taught by 7 instructors from bead weaving, polymer clay, wire working and chainmaille. We have kits for beginners to intermediate beaders. You can make it at the store with our help, or you can take it home.

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And for the more intermediate or advanced beaders what can they expect at Lucy’s Bead Boutique?

Open Beading. We encourage anyone to stop in, pick up a kit or finish an existing project, at our community table, any day of the week as long as there isn’t a class being taught.

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Maui Teeth Whitening 732-202-7189

How long does the treatment take?

Treatment times are 20, 40 and 60 minutes depending on the discoloration of your teeth and how white you want them. It takes no longer than the time it would for you to have a haircut or a facial- it’s that simple.

Is Maui Whitening treatment for everyone?

The Maui Whitening treatment provides dramatic results for anyone who wants to whiten their teeth. This includes people with teeth that have been stained by smoking, or substances such as coffee, tea, soda, wine. We also see great results on people with teeth stained by tetracycline, fluoride and hereditary discoloration

nce Salon Alt (Formerly Rock Your Hair) 732-714-0141

What is one thing you would want to tell prospective clients?

We don't just do young people's hair, we do everyone's hair, men, women, and children.

All ages and all styles! We also use the best products available to ensure the quality of our client’s hair. We carry Joico, Pravana, and Olaplex. We constantly stay up to date on the newest techniques and trends. We just want what's best for our clients. We're passionate about what we do.

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Fashion colors are still trendy in 2015. Is this still your focus at Salon Alt? Yes, we carry all the bright Pravana colors and we also specialize in techniques such as Ombré and color melting. We also still do highlights, lowlights, and gray blending too. We're experienced in many different types of color application and can create something custom to fit everyone's needs.

Skye Couture 848-232-3150

In the fashion world, experience and an eye for what is trending are the keys to success.. What is your background?

I have 17 years experience in the fashion industry. I used to make four trips a year to Paris. I am not going anywhere. I also own the Grenville Hotel. So that keeps me here, local and focused on this business.

What are some things that you want customers to know about Skye Couture?

We always get asked if we do alterations on premise? The answer is YES! And, we also have a layaway plan.

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...parental guidance

by Maureen Whelan “Play is the highest form of research.”- Albert Einstein I am desperately hoping that play is not a lost art. I have been fortunate enough to find like-minded friends who never completely grew up. I was excited when my daughter received homemade strawberry scented play-dough for a birthday party favor. It smelled like a strawberry milkshake, was smooth and velvety and the glitter in it sparkled wonderfully on the play dough cookies we spent the afternoon making. This beats “Cooking Mama” on the Nintendo DS any day. While both these activities might simulate cooking, the developmental benefits of play dough far outweigh any video game.

Unfortunately, play is often looked at as a dispensable reward instead of a necessary developmental activity. Some believe that children will learn to sit still by practicing sitting, while just the opposite is true. Children gain body and positional awareness through movement. So, if you want a child to sit still, have them move. Frequently, and vigorously! Have them jump, touch their toes, roll on the ground and climb. Have them watch, feel, listen, and small their environments. Explore ne environments, the beach, the parks, and the woods. Peter Gray is a developmental psychologist and author of “Free to Learn: Why Unleashing the Instinct to Play Will Make Our Children Happier, More Self-Reliant, and Better Students for Life”.

(Watch him on YouTube-The decline of play: Peter Gray at TEDxNavesink ) He conducted research that shows animals that are deprived of only play, with all other environmental factors remaining the same, develop, agitation, depression, anxiety and withdrawal behaviors. Statistics show these conditions are on the rise in children across the United States.

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Growing up the 7th of 8 children I was fortunate enough to always have someone to play with. Granted, retrieving the foul balls that rolled down the hill may not be the idea of a good time by today’s kid’s standards, but it taught me a lot. My mother’s rule was, “everyone’s included, or everyone comes in”. So there I was, the designated ball getter. Sitting on the side waiting for a foul ball taught me patience. At the end of every inning, I had a turn to be “up”. My brothers would give me an easy pitch, and let me run around the bases in the yard. I learned that the big kids could teach me things; like using “rock, paper, scissors” to solve problems with friends, to walk away from the game when the older, grumpy neighbor came out and started yelling, and to include and help out the younger kids. I learned to be confident around a variety of personalities. Give the hotheads space, and give the timid another chance. I learned that while my brothers might be the first to throw a snowball at me, if any of the other kids in the neighborhood did, I had an army at my back. I learned to understand that tough love works. Play developed attention and focus. It developed patience. I learned actively and by watching others, succeed and fail.

Play allows an opportunity to practice social skills. More importantly, it provides common ground to develop personal bonds with people. Communication skills, both verbal and non verbal require thought as well as action. Motor skill development such as balance, two-handed integration, bilateral coordination, postural and positional awareness need play experiences to achieve mastery.

My father owned a bookstore. At one point our TV broke and he didn’t replace it for years. He called it the “idiot box”. I wish I told him how smart he was!

Video and screen time provide a great deal of visual stimuli. With little motor out put a young child can get several minutes of visual stimuli with the push of a button. Much of this stimuli is spinning and swirling objects, which is non purposeful.

Language processing is a skill, not an instinct. This skill needs meaningful experiences to be developed. The lull of a familiar voice singing provides this experience as well as emotional security. It lays the groundwork for more advanced communication skills. Video games provide auditory information, but most lack the thought or motor demand. In fact, most games encourage impulsivity as opposed to thoughtful decision-making. Even adults are conditioned, much like Pavlov’s dog, to check electronic devices every time a chirp or ding is heard.

Thankfully, we can make some changes in a painless and fun way. Yes, just get out and play. If your family is already hooked on electronic devices, start slow, as they may revolt against extreme changes. Start by making one night a week an unplugged night. No TV, computers, tablets, video games or phones. Put limits on electronics by titrating the schedule.

For every hour on devices, there is an hour off. Go for a walk, toss a ball, check out the swings at the park. Just play!

“The creation of something new is not accomplished by the intellect but by the play instinct acting from inner necessity. The creative mind plays with the objects it loves.”- Carl Jung

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Branding and Trademark – Part 1

by Christy Schmidt, Esq. Every business owner should understand branding and trademark. Although, small business owners are brilliant at their businesses – they are not knowledgeable about marketing or law. In this first part of a three-part series, we examine the importance of branding your company and product or service.

Let’s start by discussing “branding.” Branding is, according to the American Marketing Dictionary, the "name, term, design, symbol, or any other feature that identifies one seller's product distinct from those of other sellers." Most business owners understand “branding” includes the business name, logo, labels and tags, store design, stationary and letterhead, website design, jingle, tag line, uniforms and color choices. These ideas are also called the company’s “identity.”

Branding is what marks your product or service as yours – and not a competitors. Historically, it was the actual brand burned into cattle to designate it as owned by one person versus another person. (If you really want to have some fun, sign up for our Intellectual Property Seminar – not only educational, but also fun and entertaining!) Now, “branding” covers many aspects of presentation of the character of a company and its products or services.

Branding through a “trademark” has its origins in Ancient Rome – when blacksmiths would mark their swords so buyers could identify the creator – and therefore, the quality. This evolved into the “guild mark,” where craftsman would form associations and use a mark or symbol to identify their work. Britain legalized the practice in 1266, requiring bakers to use a distinctive mark for the product they sold.

You can see how “branding” or “marking” a product or service is a note to the customer: This product is of high quality and you can count on that quality. This product is like the one you have purchased previously. The mark is an assurance of quality and service. The value of a brand, therefore, is to attract return business – customer loyalty and trust. Brand awareness is a customer’s ability to recall the brand and associate it by memory. If Mrs. Jones loves Ford cars and has had great experiences with them in the past, she is likely to buy another. Labeling – branding – the car a “Ford” – immediately lets Mrs. Jones know she can trust that car will have the same characteristics as the others in her experience. Therefore, “brands” are to protect customers – to give them a sign that this product or service is associated with others of that brand.

So, your homework for this month is to characterize your brand.

What characteristics are you representing with your product or service? What characteristics do you want to communicate to the consumer as a company? Make a clear and concise list of what you want our customers or clients to associate with your company and its products or services.

Most companies strengthen branding through Trademarks and Service Marks – which will discuss next month in 08742!

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Christy A. Schmidt, Esq. is a local attorney and business consultant focusing on business, real estate and estate law. See more at: www.cschmidtlaw.com. Register for the FREE business workshop in February: How do I start my small business?

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291 Herbertsville Road, Brick, NJ 08724

(732) 903-7875 2/11/15 11:05 AM

to Find the Best Insurance Agent Ocean County New Jersey When pricing home, auto and business insurance in NJ, a consumer has a lot of options. But, selecting the best NJ agent is not always as easy as going online.

You should want a licensed, experienced and competent agent who has access to a variety of insurance carriers, offers personal attention, priced correctly. But, cheap insurance doesn’t always mean it’s the right insurance; what good is cheap if coverage is lacking when you need it?

With nationwide companies like Progressive, Geico, Allstate, State Farm and Farmers competing for your business, it can be hard to know which provider has the lowest cost with the best coverage.

To start, consumers can get online price quotes to build a list of agents, but make sure the quote was fully researched. Too many times a customer can receive a quote and then get an “adjustment” weeks later raising costs on Home, Auto and business coverage.

Neighborhood insurance agents Local insurance agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent.

Buying from local agencies is important especially in Ocean County, where the cost and availability to coverage can be affected by the distance from water. Many insurance companies have stopped offering insurance on properties that are 5 miles or less to any body of water.

Is a captive or independent insurance agent right for you?

If you’re trying to find an insurance

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agent, there are two types of agencies that you can select. Local agents can either be captive or independent (non-captive).

Independent Agencies or Brokers Independents are not locked to one company. This provides them the freedom to seek coverage from a variety of companies. Long term, if you become unhappy with one company, your agent can then provide alternatives with minor effort from you, thus saving time, money and aggravation. When comparing rates, it’s a good idea to get price quotes from several independent insurance agents to have the most options to choose from. Some agents also have different regional companies which can be an advantage. And most will be able to assist you with a variety of different coverages for all your insurance needs, including, Home Auto, Business, Boat, Commercial etc.

Captive Insurance Agents These agents are contracted to one company and some examples include Allstate, Farmers, GEICO, Liberty Mutual and State Farm.

They generally cannot shop your coverage around so it’s a take it or leave it situation. These agents are trained well on the products they sell and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Picking an Insurance agent requires more thought than just the price. Some important questions to ask are: 'R WKH FRYHUDJHV \RX¶UH TXRWLQJ properly cover your home or auto ? ,s the agent and or agency licensed to do business in your state? :hat insurance companies do they work with? $re you getting all the discounts the company offers? +ow long has their agency been in business in New Jersey? :ho is covered by the car insurance policy? +Rw High are your deductibles, (check the fine print) :hich insurance company do they recommend? :ill you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Once you have reasonable responses and locked in a price quote, chances are good that you have found an insurance agency that will properly service your present and future needs.

Additional links for car insurance information 0RUH LQIRUPDWLRQ LV DYDLODEOH RQ WKH 1HZ -HUVH\ 'HSDUWPHQW RI ,QVXUDQFH ZHEVLWH Go to www.state.nj.us/dobi . Here you can find info on State legal matter and legal mandates and laws, view agent and company licensing information, and read consumer alerts

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Christy Schmidt Hetzel, Esq. is a local attorney who focuses on business, real estate and estate law. See more at: www.cschmidtlaw.com. Reach out to her at: 732-903-7875.

Make sure you ask about the FREE business workshops: Intellectual property, formation, marketing, business funding, business plans and vision

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Featured business of February: The Grenville Hotel and Restaurant, iconic as ever, turns 125 this year.

Gone are the days of men in suit jackets with no children in sight. Gone are menu items and pricing that you may think you would only do once in a blue moon. The Grenville is catering to a younger crowd. The food choices have been “Americanized”, and they are more affordable than ever.

Owner, Harry Typaldos, is easily the most laid back owner of a Jersey Shore landmark you might ever meet. But, he exudes a wealth of knowledge about his jewel by the Atlantic that we know as The Grenville.

“It’s warm and inviting”, says Typaldos. “Sunday Brunch is jovial, but dinner out with your significant other still has the ambiance and upscale feel you are looking for, but now we have a kid’s menu “.

Taking the lead from former ownership, Harry has taken all the steps to change the formal feel to everyday dining. And, it’s not just for the guests, anyone is welcome to dine there. “I think for too many years the hotel gave off this impression if you weren’t staying here, you couldn’t eat dinner here, and that’s not true.”

The 29-room, four story Bay Head landmark had its run in with super storm Sandy, but, it hung tough. Why? The actual structure is a steel and concrete monolith wrapped in pink and gray shake shingles. As pink as ever. Inside the dining room, you’ll find one of a kind stained glass windows adorning the large, long pillared dining room with a fireplace focal point.

Ghosts. Who said that? A&E did a story a couple years ago about ghosts at the hotel. So, when asked if the stories were true Typaldos replied, “You might have to stay here and find out for yourself.” The hotel features 4 suites, 12 mid-sized rooms and 13 standard rooms. All the rooms have Queen sized beds . Locals, now is the time to sink yourself into the charm of The Grenville Hotel for a great off season deal at $69 per night.

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Staying Home

by Christy Schmidt-Hetzel

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Copyright 2014. Christy Hetzel.

All rights reserved. hat did you do today? I bet you checked your Facebook a A. Schmidt The Third Reason to Unplug: On average, we can speak few times, played a few games, posted a status update. You also approximately 100 to 175 words per minute – but we can process checked your email numerous times and answered several text (think) 400-800 words per minute, giving our brains a lot of down messages…and sent a few text messages. You surfed the web. time. We fill this by doing multiple things at once, flooding our You watched the news. You chatted on the phone. You checked systems with more and more information. However, it becomes an your investments. You stayed “plugged in.” That is what our lives assault on our senses. Instead of really tuning into one thing and have become. We are constantly plugged in, turned on, stimutruly listening in an engaged way, we allow the constant barrage of input. lated. We are the victims of continuous and intense assault on our We never shut down. senses. And we do it to ourselves. We accept the demand to These are the reasons researchers, therapists, coaches and positive plug-in, turn on, tune in, be available 24-7 to anyone who sends us psychologists are recommending mindfulness practices. Jon a text or email. We also absorb negativity from the media (both Kabat-Zinn, of U Mass, founded a program in 1978 to use mindfulnews, programming and advertising) at a constant and alarming rate. ness to treat chronically ill patients. The practice has its origins in Remember when we had no cell service? No answering Buddhist meditation. The idea is to be fully present, in the now, by machines? If you did not pick up the phone, the person would call merely, for example, watching your breath. back? Remember when we had only seven or eight television Have you ever unplugged for a day and merely opened your senses channels? Now, we “multitask:” We shop and work and text to our lovely coastal home? Take a few minutes and go sit on the friends at the same time. We have dinner with the significant beach. Visit Riverfront Park & Pavilion: A beautiful use of where the other while texting friends or checking the stock market on our old Point Hospital once stood. Take a walk to Beaver Dam Park and phones. We read our work email while streaming CNN. We listen watch the kids playing. How about going to Ocean County Park or to a television show while surfing the web and chatting on our cells.

Allaire State Park for a long walk in the woods? Island Beach is a The First Reason to Unplug: Several scientific studies, favorite for me: See if you can spot a fox or two. We are so lucky to including a recent project at Stanford University, demonstrate live in such a beautiful area, where we can practice mindfulness and multitasking is actually less productive than doing one thing at a absorb the beauty all around us. time. In fact, they proved multitasking reduces efficiency and Next week, try starting your day with a five-minute mindfulness performance. Although humans have a capacity to switch gears practice. Visit any one of the beautiful locations around us! from task to task at lightning speed, we actually retain and In this weather, I often just park along the shoreline and accomplish less when we do so. This spreading of our attention stay in my car, watching the waves and focusing on my breath: actually saps our time and energy.

Inhaling to a count of 10; exhaling to a count of 10. Do not hold your The Second Reason to Unplug: Mean World Syndrome is a breath. Do not judge the surroundings. Just observe and breathe. If theory by George Gerbner showing that media consumers actually thoughts arise, let them pass and return to focusing on your breath. believe the world to be more dangerous and negative than it (And leave your phone off – or at home!) actually is. By absorbing the media we do, constantly every day, For the more daring reader, along with the breath practice, try not we begin to “see” it filled with violence, negativity – and the checking Facebook for a week (take the App off your phone so it is pressure to purchas the next I-Phone or flat screen. We come to difficult to plug in). Do not watch the evening news. Check email y g a particular p p believe the “whole world” is buying product so we must. once every few hours – do not keep it open. Keep your phone lieve terrorists are everywhere. This barrage of We believe tucked away and answer text messages only twice per day. By negativity vity actually alters our emotions and our reality. breaking the consistent influx of media and messages, you can begin to readjust your mood and calm your senses.

Christy Schmidt is a professor, certified life coach and mediator with over 20 years of consulting and coaching experience. Her company, Ansuz, LLC, offers one-on-one coaching, business consulting, and empowering workshops to help you become your ideal self and live your dream life! Contact her about the Happiness Path: A Free Workshop to show you the scientifically validated way to become and stay happy! She is also offering a Time and Organization Series for real solutions in an over-connected world.

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Legal Ease

by Christopher J. Grenda, Esq. column that simplifies areas of the legal industry for every day consumption.

This month’s topic – What is a Reverse Mortgage?

An HECM reverse mortgage is a home loan that allows an eligible person to convert a percentage of the equity in their home into cash. Unlike a traditional home equity or second mortgage, HECM reverse mortgage borrowers are not required to repay the HECM loan until the borrower no longer uses the home as their principal residence or the borrower passes away. After the borrower’s death, the borrower’s estate has approximately 6 months to repay the balance of the reverse mortgage or sell the home to pay off the HECM balance .

Unlike traditional home equity loans, second mortgages, and home equity line of credit (HELOC), which have strict requirements for income and creditworthiness, there are no income or credit score requirements to be eligible for an HECM reverse mortgage. The Federal Housing Administration (FHA), however, has certain requirements, albeit few, that must be met before a borrower is eligible for an HECM reverse mortgage: (1) a potential borrowers must be at least 62 years of age; and (2) the home must be owned free of liens, unless any liens, including other mortgages, can be resolved with the proceeds of the reverse mortgage at the time of closing; and, a potential borrower is required to be counseled on HECM consumer information by an HECM counselor.

When a borrower is accepted for an HECM reverse mortgage, there are several ways to receive the proceeds: a lump sum of cash – Lump Sum; equal monthly payments as long as the borrower(s) lives in the home – Tenure; equal monthly payments for a fixed number of years – Term; the borrower can draw any amount at any time until the line of credit is exhausted – Line of Credit (LOC); and/or any combination of the above listed.

To learn more about HECM reverse mortgages, visit the Housing and Urban Development (HUD) web portal at http://portal.hud.gov.

Christopher J. Grenda, Esq. is an attorney with offices in Toms River, New Jersey. Mr. Grenda holds a Bachelor of Arts (BA) in History/Pre-Law from Limestone College in Gaffney, South Carolina and a Juris Doctorate (JD) from Thomas M. Cooley Law in Lansing, Michigan. Mr. Grenda is a former municipal prosecutor who handled multiple towns throughout Ocean and Monmouth counties. Today, Mr. Grenda is a sole practitioner who primarily practices in DWI Defense; Criminal Defense; Real Estate; and Wills.

DWI/DUI, Criminal Law, Expungements, Real Estate, Estate Plan, Landlord-Tenant 2 Hooper Avenue, Toms River, NJ 08753 Phone-848-223-7769 Fax-732-612-1065

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