08742 Living May 2015

May 2015

Inside this Issue...

All Business

Failure to Leverage

Shore Recipes

Unforgetable Chicken Salad

Beer Corner

April Showers Bring May Bocks

Beach Meditations ( 7VZ[ :HUK` 9LĂ…LJ[PVU

Cover photo by Deanna Finnerty

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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 Emily Foster Writer

May 2015

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Finally the cold winter is behind us and we can look forward to warmer days. Most 08742 Residents have longed for the sun, sand and surf of their beloved Jersey Shore. Others look forward to a beautiful day on the golf course or perhaps a boat ride. For Magnolia Lane Design, the warm weather means Flea Markets and Antique Shows; it’s up at KH^U HUK VU [OL YVHK [V ÄUK ZVTLthing magical, something irresistible [V WHPU[ 4H` THYRZ H RPJR VɈ [V Z\TTLY MVY TVZ[ I\[ P[»Z H RPJR VɈ [V shopping the markets and painting V\Y ÄUKZ MVY \Z H[ 4HNUVSPH 3HUL Design and so many other Shops in our community.

Magnolia Lane Design. You can simply paint without sanding or priming, it’s a low VOC quick drying decorative paint that has revolutionized the way we paint furniture today. We get asked every day, is it really that easy? Yes, anyone can do it, all you need is a can of paint and a can of wax and you can transform an old tired piece of furniture. So by doing [OPZ ^L ZH]L [OL SHUKÄSSZ ^L ZH]L money and we get to be creative!

At Magnolia Lane Design, we head V\[ LHJO ^LLR PU ZLHYJO VM UL^ ÄUKZ to delight our customers. We strive to exceed our client’s expectations with custom painted furniture, home décor accessories and unique gifts. As Stockist for Chalk Paint® decorative paint by Annie Sloan, Miss Mustard Seeds Milk Paint, General Finishes Products and more, Magnolia Lane Design is the place to go for all your decorative painting needs. We are [YHPULK HUK JLY[PÄLK [V [LHJO HUK VɈLY instructional paint/ KLJVYH[P]L ÄUPZOLZ classes monthly.

With all the new DIY, Flea Market, House Flip and Renovation Shows on TV, its no wonder antiquing and recycling/refurbishing of old furniture and parts has become so popular.

Anyone who watches TV has seen or heard of at least one DIY show and can’t help but be intrigued by the idea that you can take something old and recreate it to be something beautiful. It is so easy to take an old dresser for example and give it a new life with paint. Not just any paint, Chalk Paint® decorative paint by Annie Sloan is one of our favorites at

If you want to learn more about painting stop in Magnolia Lane Design, 641 Arnold Ave, Pt. Pleasant Beach, 723-892-0728 and we can help you get started.

Paint Tip of the Month

When painting an older piece of furniture, sometimes the tannins cause a bleed through of color. It’s always good to have some clear shellac on hand for these moments. We like Zinsser Clear Shellac it seals the area and allows you to paint over with no sign of bleed. At Magnolia Lane Design we often shellac a mahogany piece before even starting to paint. Use two thin coats to seal a really tough stain.

May 2015

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All Business The Big Mistake – Failure to Leverage I` *OYPZ[` :JOTPK[ ,ZX

Entrepreneurship is perhaps the most exciting and satisfying adventure for the modern human who does not have the time or resources to scale Mount Everest!

“manage” – but even that talented person is missing the expansive knowledge and skill other experts bring to the table.

Recently, I resolved a federal tax liability for a business client who PZ HYN\HIS` [OL ILZ[ H[ ^OH[ OL KVLZ -VY `LHYZ OL OHZ ¸JVUÄKLU[S`¹ OHUKSLK OPZ V^U SLNHS HUK ÄUHUJPHS HɈHPYZ ¶ HUK OPZ SHJR VM knowledge did not permit him to predict the $500,000 tax liability lurking around the corner. Can you imagine his fear and panic ^OLU [OL 09: JHTL RUVJRPUN& ;OL MHJ[ PZ ^P[O SLNHS HUK ÄUHUJPHS planning, he would not have this tax liability. After restructuring his business and negotiating with the IRS, he is in the position to reduce his future liability…but the damage was done.

Typically, an entrepreneur takes his or her skills and experience and launches a business: The real estate agent turned broker-owner, for example. Otherwise, an entrepreneur just sort of falls into his or her own business: A friend hires them to cater a bridal shower; a client from a past job requests a press release; a family member needs a website…The recognition of talent becomes a dream: Perhaps I can do this as my own business?

Of course, to be an entrepreneur one needs a certain level of self-esteem and a belief in one’s own power. Often, this includes a denial of weakness or the holding of an “I can do it all” attitude.

Unless you plan on becoming an expert in every area of business while running your own, you can be sure you will have constant distraction and “emergencies” drawing you away from actually operating your business and doing what you do best.

In 1937, Napoleon Hill, after interviewing and studying successful business magnates, authored his masterpiece Think and Grow Rich (which I highly recommend). One element he discovered in each of the millionaires he studied was the ability to leverage.

These successful entrepreneurs each recognized his or her need for sound, expert advice and were able to leverage their time and money by utilizing others’ genius and talents.

:WLJPÄJHSS` HS[OV\NO [OL LU[YLWYLUL\Y TH` IL NYLH[ H[ WYLWHYing hors d’ oeuvres or selling paintings or repairing plumbing, no entrepreneur is trained in and knowledgeable about every area they need to be to run a successful business. That does not mean, of course, that a truly brilliant and talented person cannot just

For example, you might be the greatest real estate agent in history.

You understand the market; you know how to sell; you can negotiate and close a deal. But can you design a working website? Can you manage your books? Can you establish sound practices in accordance with the law? Can you manage and motivate your team? ;OPZ ^LSS TLHUPUN LU[YLWYLUL\Y ÄUKZ OPZ VY OLY [PTL JVUZ[HU[S` PU distraction: Handling paperwork and banking issues; dealing with risk and legal matters that just “arise;” trying to recruit and train V[OLYZ" WYLWHYPUN VɉJL WVSPJ`¯ ,TLYNLUJPLZ L_WSVKL H[ L]LY` turn – ones that could have been avoided if the entrepreneur was knowledgeable in each discrete area. In this example, the entrepreneur can choose to use his or her time to learn each of these areas - attending school or studying. Of course, that time would be spent best doing what he or she does best: Selling real estate.

An example I see with many of my clients: Designing a website.

A basic website can take a neophyte days to complete…and those sites never work correctly, do not have impact (SEO), do not represent the brand, are not mobile-friendly….All the things a website expert addresses in his or her sleep! In those days spent “proudly” designing your own website, how much could you have earned doing what you do best? The website expert, for a few thousand dollars, can increase your sales and exposure and negate the cost completely! (Never mind protect against the lost revenue due to a poorly designed website that deters customers!)

Whether you have been in business for thirty years or you are about to start a business, you should examine your areas of expertise to discover where you are lacking. Those management ¸OVSLZ¹ JHU IL ÄSSLK ^P[O V[OLYZ ^OV HYL L_WLY[Z PU [OL HYLH ¶ thereby leveraging your time and energy and inviting more power into your business. At a minimum, every business owner should have as part of his or her trusted team: an attorney, an accountant, H JLY[PÄLK ÄUHUJPHS WSHUULY HU PUZ\YHUJL HNLU[ H IHURLY VY SVHU VɉJLY HUK H THYRL[PUN VY ZVJPHS TLKPH WYVMLZZPVUHS 1\Z[ L_HTPUL

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Legal Ease ( JVS\TU [OH[ ZPTWSPĂ„LZ HYLHZ VM [OL SLNHS PUK\Z[Y` MVY L]LY` KH` JVUZ\TW[PVU ;OPZ TVU[OÂťZ [VWPJ

Understanding a Mortgage and the 'LÍžHUHQW 7\SHV RI 0RUWJDJH /RDQV

A Law Firm Where Every Client Matters!

I` *OYPZ[VWOLY 1 .YLUKH ,ZX

A mortgage is an agreement between a lender and the buyer of a home, building, or property. The note outlines the covenant by the buyer to repay, to the lender, [OL SVHU HTV\U[ WS\Z PU[LYLZ[ V]LY H ZWLJPĂ&#x201E;J WLYPVK VM [PTL ( TVY[NHNL UV[L PZ an extremely detailed document which contains all the necessary information in understanding for what purpose the money is being borrowed, how much is being borrowed, and when it will be repaid. There are various types of mortgage notes H]HPSHISL [V I\`LYZ ILSV^ 0 OH]L ZPTWSPĂ&#x201E;LK VW[PVUZ HUK JH[LNVYPLZ -P_LK HUK (KQ\Z[HISL 9H[L! ( Ă&#x201E;_LK YH[L TVY[NHNL OHZ [OL ZHTL PU[LYLZ[ YH[L MVY [OL entire repayment term. As such, the monthly payment will not change for the duration of the loan. An adjustable-rate mortgage (ARM) has an interest rate that may change or â&#x20AC;&#x153;adjustâ&#x20AC;?. Typically, the rate on an ARM will change annually. :VTL[PTLZ (94ÂťZ HYL ZL[\W HZ ¸O`IYPKš TVY[NHNLZ PU [OH[ [OL Ă&#x201E;YZ[ Ă&#x201E;]L `LHYZ JHU IL ZL[ H[ H Ă&#x201E;_LK PU[LYLZ[ YH[L HM[LY ^OPJO [OL PU[LYLZ[ YH[L HKQ\Z[Z HUU\HSS` [OPZ SVHU is commonly known as the 5/1 ARM. Government-Insured and Conventional Loans: a conventional home loan is a loan that is not insured or guaranteed by the federal government. Government-insured loans are guaranteed by the federal government and are recognized in three categories: ŕ Ž -/( 3VHU! ;OL -LKLYHS /V\ZPUN (KTPUPZ[YH[PVU -/( TVY[NHNL PUZ\YHUJL WYVNYHT is controlled by the Department of Housing and Urban Development (HUD), which is a department of the federal government. FHA is a very common loan type and, JVU[YHY` [V WVW\SHY VWPUPVU PZ UV[ SPTP[LK [V Ă&#x201E;YZ[ [PTL I\`LYZ (U HK]HU[HNL VM this program is that it allows a buyer to make a down payment as low as 3.5% of the purchase price. A disadvantage is that the buyer will have to pay for mortgage insurance (PMI), which will increase the amortization schedule of the loan. ŕ Ž =( 3VHU! ;OPZ PZ H SVHU WYVNYHT [OH[ PZ VÉ&#x2C6;LYLK [V TPSP[HY` ]L[LYHUZ HUK [OLPY MHTPSPLZ I` [OL < : +LWHY[TLU[ VM =L[LYHUZ (É&#x2C6;HPYZ =( ;OPZ WYVNYHT PZ ZPTPSHY [V [OL -/( program in that these loans are guaranteed by the federal government. Unlike the FHA loan, the primary advantage of this program is that borrowers can receive

Ă&#x201E;UHUJPUN [OH[ TLHUZ UV KV^U WH`TLU[ YLX\PYLK ŕ Ž <:+( 9/: 3VHU! ;OL < : +LWHY[TLU[ VM (NYPJ\S[\YL <:+( VÉ&#x2C6;LYZ H SVHU WYVNYHT MVY Y\YHS IVYYV^LYZ [OH[ TLL[ ZWLJPĂ&#x201E;J PUJVTL YLX\PYLTLU[Z ;OPZ WYVgram is managed by the Rural Housing Service (RHS), which is a division of the +LWHY[TLU[ VM (NYPJ\S[\YL ;OPZ [`WL VM SVHU PZ VÉ&#x2C6;LYLK [V ¸Y\YHS YLZPKLU[Z ^OV OH]L a steady, low or modest income, and yet are unable to obtain adequate housing [OYV\NO JVU]LU[PVUHS Ă&#x201E;UHUJPUN š ;OPZ SVHU YLX\PYLZ [OH[ H IVYYV^LYÂťZ PUJVTL T\Z[ be no higher than 115% of the adjusted area median income (AMI). AMI varies

by County.

Jumbo and Conforming Loans: These are distinctions that are made based on the size of the loan. A conforming loan is a loan that meets the underwriting guidelines of Fannie Mae or Freddie Mac, where size (loan amount) is concerned. Fannie Mae and Freddie Mac are the two government-controlled corporations that purchase and sell mortgage-backed securities (MBS) to investors on Wall Street. The term â&#x20AC;&#x153;conformâ&#x20AC;? is used because the amount of the loan â&#x20AC;&#x153;conformsâ&#x20AC;? to pre-established criteria. A jumbo loan, on the other hand, exceeds the conforming loan limits that (Continued on page 11)

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Time, Time, Time

by Christy Schmidt

.L[[PUN [OL Ă&#x2026;\ ^HZ [OL ILZ[ [OPUN [OH[ could have happened to me last month.

Knocking me down is typically the only way to slow me down â&#x20AC;&#x201C; and my bodyâ&#x20AC;&#x2122;s demand for rest gave me a chance to YLĂ&#x2026;LJ[ HUK YLJVUZPKLY T` ZJOLK\SL Most of us perceive time only through the ticking clock â&#x20AC;&#x201C; or the shifting light outside.

We mark time using appointments, television shows, and clocking in at our jobs.

We measure time through birthdays, graduations, anniversariesâ&#x20AC;Ś. We feel controlled by time and our modern lifestyles cause us to succumb to that control. We keep calendars and planners to track appointments and tasks. The startling number of calendar and task apps available on Android or I-Phone is enough to teach us how society takes time very seriously! We all want to manage our time and make the most of it â&#x20AC;&#x201C; but how well are we really doing?

Rushing around, trying to beat the clock.

Being late or cancelling appointments.

Squeezing in a doctorâ&#x20AC;&#x2122;s appointment during oneâ&#x20AC;&#x2122;s lunch hour. Rushing home from church to get ready for a family birthdayâ&#x20AC;Ś and then rushing the guests OVTL ZV `V\ JHU Ă&#x201E;UPZO [OL SH\UKY` HUK prepare for Mondayâ&#x20AC;&#x2122;s school-and-work[YLHKTPSS 9\ZO Y\ZOÂŻĂ&#x201E;[ P[ HSS PUÂŻL]LY` day, day after day.

But what about the things that really matter [V @6<& @V\Y Ă&#x201E;[ULZZ HUK `V\Y ^VYRV\[ Perhaps getting enough sleep or just plain rest (reading that favorite magazine with a hot cup of teaâ&#x20AC;Ś)? Playing with your kids. ;PTL ^P[O `V\Y ZPNUPĂ&#x201E;JHU[ V[OLY ;PTL [V volunteer. Those â&#x20AC;&#x153;littleâ&#x20AC;? things get pushed to the side as we do the laundry and the shopping and that last minute project for workâ&#x20AC;Śand, and, and.

You would think that as a professional coach who teaches time-management, I would have the â&#x20AC;&#x153;perfect schedule.â&#x20AC;? Often, we need another perspective â&#x20AC;&#x201C; or someone to hold us accountable â&#x20AC;&#x201C; to make changes in life. Or we lose sight of what works and May 2015

what is important to our health and values.

Interestingly, the people who are the most driven are often the most time-crunched Âś HUK [OL TVZ[ KPZZH[PZĂ&#x201E;LK 4` JVHJO Mario, and I, used some Tony Robbins tools and discussed my break-neck-speed lifestyle and he helped me make some serious adjustments â&#x20AC;&#x201C; Which I want to share with YOU! I was reminded that managing time requires applying 3 principles:

ŕ Ž 2UV^PUN `V\Y ]PZPVU HUK W\YWVZL VM what you are trying to accomplish;

ŕ Ž 2LLWPUN Z[YVUN IV\UKHYPLZ UV[ SL[[PUN others dictate your day, knowing what is important to you) ŕ Ž *HYLM\S WSHUUPUN ZV `V\ KV UV[ NL[ swamped with emergencies.

Try this simple exercise: How much of your time last week was spent on distraction? Television, video games, chatting with friends on the phone just not to do the laundry?? These are things we do not need to do (or even want to do), but we do them to get an emotional IYLHR Âś [V SL[ VÉ&#x2C6; Z[LHT 6Y [V H]VPK ^OH[ we need to do. Ultimately, these activities serve no purpose but to keep us doing from the things we need and want to do.

Figure out the time you spent.

How much of your time last week was spent on urgent but unimportant activities? Typically, these are otherâ&#x20AC;&#x2122;s demands on your time. The actions might be important to the other person â&#x20AC;&#x201C; but interfere with your plans or your schedule (every parent knows about this one!). The actions HYL UV[ [Y\S` ZPNUPĂ&#x201E;JHU[ [V HJJVTWSPZOPUN anything. These can also be the things we feel compelled to do because they make us think we are accomplishing something.

3PRL JSLHUPUN VÉ&#x2C6; V\Y KLZR 6Y [OL ¸THUKHtoryâ&#x20AC;? meeting that must be held so you can stare at your team and get nothing really done. Or making another list so you can see all you need to do. See how busy you are?? Figure out the time you spent.

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How much time did you spend last week W\[[PUN V\[ Ă&#x201E;YLZ& This is the dimension of â&#x20AC;&#x153;urgent and important.â&#x20AC;? The things that really are urgent â&#x20AC;&#x201C; a relative in the hospital â&#x20AC;&#x201C; or would not have been urgent if we had planned for them. Itâ&#x20AC;&#x2122;s Aprilâ&#x20AC;Śtax timeâ&#x20AC;Ś.

Did you prepare or are you rushing to the accountant with piles of paper? Figure out the time you spent.

How much time did you spend IN THE ZONE? This is where you want to spend 70% or more of your time: Doing things that are very important but not urgent.

Spending time with loved ones.

Working on your dream project or career.

Working out and taking care of your health.

Meditating (or praying). Reading or getting educated. Figure out the time you spent.

Typically, most people spend 10% or less of their time â&#x20AC;&#x153;in The Zone.â&#x20AC;? Often, we know what are our â&#x20AC;&#x153;Zoneâ&#x20AC;? items, but we put them aside or leave them for last. Really try that exercise â&#x20AC;&#x201C; and feel free to contact me if you need help! It can change your perception of time and help you master your life! *VW`YPNO[ * :JOTPK[ (SS YPNO[Z YLZLY]LK *OYPZ[` :JOTPK[ PZ H WYVMLZZVY JLY[PĂ&#x201E;LK SPML coach and mediator with over 20 years of JVUZ\S[PUN HUK JVHJOPUN L_WLYPLUJL /LY JVTWHU` (UZ\a 33* VÉ&#x2C6;LYZ VUL VU 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 ZJPLU[PĂ&#x201E;JHSS` ]HSPKH[LK ^H` [V ILJVTL HUK stay happy! Or, get some Spring Coaching and become your OWN BEST FRIEND!

Students of 08742 Memorial School students hDYH D VFLHQFH DGYHQWXUH DW 6L[ )ODJV 3K\VLFV 'D\ Newton’s First Law of Motion, also known as the Law of Inertia, states that an object will remain at rest and an object in motion will remain in motion unless an external force acts against it.

This principle is a fundamental concept of physics that is often demonstrated by the Egg Drop experiment, an experiment that challenges students to devise containers to prevent an egg from breaking when dropped from a certain height.

experiment. It was the second portion of the experiment – the drop ¶ ^OLYL [OL TPKKSL ZJOVVS»Z L_WLYPTLU[ ZPNUPÄJHU[S` KPɈLYLK MYVT other Egg Drop experiments.

“In a classic egg drop, drop heights typically begin around 7-10 feet but for our students, we decided that a more challenging height would be more appropriate,” said Ms. Marinaro. “So we headed to a place that owes its very existence to Physics – Six Flags Great Adventure.”

The experiment recently attempted - to impressive results - by a group of eighth grade students from Memorial Middle School, students enrolled in the school’s Academically Talented (AT) Science classes.

On April 24, 37 eighth graders enrolled in Ms. Marinaro and Mr. Hynes’ Academically Talented (AT) Science classes took a trip to Great Adventure to attend the amusement park’s annual Physics Day celebration and to participate in the 2015 Egg Drop of Doom experiment.

¸,PNO[O NYHKL ZJPLUJL VY 7O`ZPJHS :JPLUJL KL]V[LZ [OL ÄYZ[ OHSM of the year to Chemistry instruction and the second half of the year to Physics,” said Memorial School Science Teacher Amanda Marinaro. We began our Physics unit in January and introduced Netwon’s Laws almost immediately thereafter.”

“The Egg Drop of Doom puts an extreme twist on the Egg Drop experiment, dropping the eggs 230 feet from the top of the park’s parachute ride,” she said.

And once the students had the concepts down, Ms. Marinaro and her fellow AT Science Teacher Kevin Hynes, assigned the Egg Drop experiment.

On Physics Day, Great Adventure is transformed into an exciting hands-on, outdoor classroom allowing students in attendance to experience a thrilling physics, math and science adventure. It’s one of the park’s Exclusive Education Days, days where the park is open only for education groups.

“The Egg Drop experiment perfectly illustrates the law of inertia, the principles of air resistance and the rules of velocity and potential energy,” she said.

¸;OL ,NN +YVW ^HZ V\Y ÄYZ[ Z[VW VM [OL KH` ¹ ZHPK 4Z 4HYPUHYV “Of the 15 total containers created by our students and dropped from the top of the parachutes, an astounding 12 made it to the ground with the eggs still completely intact!”

Working in teams of two to four, the students set about designing and constructing a protective device made according to set VM WYLZJYPILK ZWLJPÄJH[PVUZ ;OL Z[PW\SH[PVUZ PUJS\KLK [OH[ [OL JVTWSL[LK JVU[HPULYZ JV\SK UV[ OH]L ÄUZ VY WHYHJO\[LZ" OHK [V Ä[ PUZPKL H ¹ _ ¹ _ ¹ IV_" OHK [V ^LPNO SLZZ [OHU VUL WV\UK" and that it could not include anything that was pre-constructed or commercially constructed.

Those participants whose eggs made it to the ground intact won a free Fast Pass for the day, allowing them to bypass lines at the park. The Fast Pass came in handy for the additional physics assignments the students completed at the park.

“We did not demonstrate the experiment in advance to the Z[\KLU[Z ILJH\ZL ^L KPK UV[ ^HU[ [V PUÅ\LUJL [OLPY KLZPNUZ ¹ said Ms. Marinaro. “The fact that the creations were wholly the students’ own, made them even more impressive as did the variety of materials and designs they employed.”

“After the Egg Drop, the students were given a sheet with a number of physics-related questions and they had to collect and analyze physical data to answer the questions based on their observations,” Ms. Marinaro said. “Some of the questions the students had to answer included determining the greatest points of potential and kinetic energy on roller coasters Kingda Ka and Batman; testing advertised ride times versus actual ride times and explain any discrepancies; and observing rides’ height restrictions and explain why the restrictions exist among others.”

From suspension systems, to inventive and diverse shock absorbers, to unusual and aerodynamic shapes, the containers ran the gamut, according to Ms. Marinaro.

The Egg Drop experiment is a classic experiment, attempted countless times in innumerable classrooms around the world for decades, if not longer, with few variations.

“This is a great experiment to help students connect concepts of physics concepts with their everyday life,” said Mr. Hynes. “It’s authentic learning at its best.”

Memorial Middle School’s Egg Drop experiment did, however, diverge from the norm. Although there were likely some similarities in the containers designed by the students to designs made by [OLPY WYLKLJLZZVYZ [OL JVU[HPULYZ ^LYL VUS` [OL ÄYZ[ WVY[PVU VM [OL

To learn more about Point Pleasant Borough Schools, ]PZP[ ^^^ WVPU[WSLHZHU[ R UQ \Z

Lisa L. Colonno, Assistant Vice President, Branch Manager 2307 Lakewood Road, Point Pleasant, NJ 08742 732.295.0004 • lcolonno@manasquanbank.com May 2015

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Students of 08742

Miss Point High

by Emily Foster

:WYPUN OHZ Ă&#x201E;UHSS` HYYP]LK [V [OL 1LYZL` ZOVYL HJJVTpanied by a new sports season, a new marking period, and a well-anticipated event unique to the Point Pleasant Beach High School `â&#x20AC;&#x201C; Miss Point High.

Miss Point High is an annual pageant in which six talented Point Beach Seniors perform dazzling musical and dance acts for crowds of parents, family, alumni, and their fellow Beach students. Each candidate is responsible for putting together an original act and choreographing various dance routines, all in a month or less.

This yearâ&#x20AC;&#x2122;s roundup included 6 of the Beachâ&#x20AC;&#x2122;s highly talented girls, along with their escorts, as well as their friends performing as backup dancers.

According to the participants and coordinators of the L]LU[ P[ÂťZ HSS HIV\[ KLKPJH[PVU ZJOVVS ZWPYP[ HUK H Ă&#x201E;UHS huzzah before the seniors graduate. â&#x20AC;&#x153;Miss Point High is about representing my school,â&#x20AC;? says candidate :HTHU[OH¡VY :HT¡;YHIH[[VUP ¸0[ÂťZ H SV[ VM M\U P[ÂťZ a lot of work, but itâ&#x20AC;&#x2122;s really a good time.â&#x20AC;?

A lot of work, indeed: practices for Miss Point High begin after nominations are announced in March, and continue up until debut on April 18th. Each candidate and escort, as well as anywhere from ten to thirty backup dancers, practice after school, during lunch or gym periods, and at home. According to candidate Joya Diaz, group practices can be two hours long or more.

You could truly see how much work was put in to each act; Mackenzie Kinnevy, a backup dancer, and co-Chairperson for the pageant, remarks, â&#x20AC;&#x153;When it all comes together, 0 Q\Z[ SV]L [OL Ă&#x201E;UHS product and watching it on stage.

Itâ&#x20AC;&#x2122;s just amazing how the girls have put so much work into it.â&#x20AC;?

This yearâ&#x20AC;&#x2122;s performances lived up to and exceeded expectation, with acts ranging from classic musical-themed numbers to well-known pop compilations. Samantha Trabattoniâ&#x20AC;&#x2122;s routine was crafted from Bruno Marsâ&#x20AC;&#x2122; hit songs, while Joya Diaz incorporated chart-toppers by Nicki Minaj.

Victoria Clement chose to reenact a Beatlesâ&#x20AC;&#x2122; concert from the 1960s. Tess Abadrabo based her performance VÉ&#x2C6; VM [OL ÂťZ TV]PL THZ[LYWPLJLZ VM 1VOU /\NOLZ Shelby Catala danced to the sixties musical Sweet *OHYP[` HUK Ă&#x201E;UHSS` 1\SPHUUH )YH]V¡[OL ^PUULY VM 4PZZ 7VPU[ /PNO ¡W\SSLK VÉ&#x2C6; H ZWLJ[HJ\SHY .YLHZL themed performance, complete with hand jives and a crew of high school boys dancing to â&#x20AC;&#x153;Grease Lightning.â&#x20AC;?

Itâ&#x20AC;&#x2122;s tradition to end each yearâ&#x20AC;&#x2122;s Miss Point High contest by introducing last yearâ&#x20AC;&#x2122;s victor: Katherine Hayes returned to congratulate this yearâ&#x20AC;&#x2122;s group. From start [V Ă&#x201E;UPZO 4PZZ 7VPU[ /PNO ^HZ HU L]LU[ [V IL remembered fondly by underclassmen and graduating seniors alike.

(UNDERSTANDING A MORTGAGE, continued)

risk to lenders, as a result, jumbo borrowers typically must have excellent credit and much larger down payments.

*OYPZ[VWOLY 1 .YLUKH ,ZX PZ HU H[[VYUL` SPJLUZLK PU [OL :[H[L VM 5L^ 1LYZL` ^P[O VÉ&#x2030;JLZ PU ;VTZ 9P]LY 5L^ 1LYZL` 4Y .YLUKH OVSKZ H )HJOLSVY VM (Y[Z )( PU /PZ[VY` 7YL 3H^ MYVT 3PTLZ[VUL *VSSLNL PU .HÉ&#x2C6;UL` :V\[O *HYVSPUH HUK H 1\YPZ +VJ[VYH[L 1+ MYVT ;OVTHZ 4 *VVSL` 3H^ PU 3HUZPUN 4PJOPNHU 4Y .YLUKH PZ H MVY mer municipal prosecutor who handled multiple towns throughout 6JLHU HUK 4VUTV\[O JV\U[PLZ ;VKH` 4Y .YLUKH PZ H ZVSL WYHJ titioner who primarily practices in DWI Defense; Criminal Defense; 9LHS ,Z[H[L" HUK >PSSZ

As you can see, choosing a mortgage type can be complex and daunting in determining which setup is right for you and your transaction. This is why it is recommended to consult with a real estate attorney to ensure that the mortgage note is complete and error free, and to provide you with a mortgage advice that is right for you.

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11

Parental Guidance )RRG IRU 7KRXJKW

By Maureen Whelan

I once treated a 5 year-old boy who told me his favorite vegetable was a “Funyun”, [OL VUPVU ÅH]VYLK JYPZW` YPUNZ MV\UK PU H ZUHJR IHN >P[O ZV THU` WYVJLZZLK MVVK choices, and marketing being introduced to young kids, it’s easy to understand why there are so many picky eaters today. But picky eaters are often accompanied by a silent partner I’ll call the “picky feeder”. There’s no blame here, but one can’t exist without the other. Well, hold onto your chicken nuggets, a pleasant, healthy mealtime may be easier than you think.

-PYZ[ OLYL HYL ZVTL IHZPJ WYPUJPWSLZ YLNHYKPUN MLLKPUN KPɉJ\S[PLZ HUK JOPSKYLU These suggestions are not meant for the child with an underlying medical issues JH\ZPUN VY JVU[YPI\[PUN [V MLLKPUN KPɉJ\S[PLZ *VUKP[PVUZ Z\JO HZ YLÅ\_ HSSLYNPLZ VYHS motor development delays, digestive disorders, sensory issues, and illness related mouth/throat conditions can complicate eating. It is always recommended that you JVUZ\S[ ^P[O `V\Y WLKPH[YPJPHU ÄYZ[ HUK Y\SL V\[ [OLZL JVUKP[PVUZ *VSSHIVYH[P]L MLLKPUN teams are best suited to address complex feeding and medical issues. If your child has a clean bill of health, then it’s time to get started. Keep in mind that there is no set time MYHTL HZ LHJO JOPSK ^PSS YLZWVUK [V Z[YH[LNPLZ KPɈLYLU[S` Start by keeping a food journal for a couple of weeks. Record what your child eats, the amount consumed, and what time they eat. Share this with your doctor.

During this time make sure all of the caregivers are in agreement about the feeding goal.

Consistency is essential for success. Goals should be small and realistic.

1. Set guidelines and prepare your child for healthy changes at non-mealtimes.

Ellyn Satter** is a dietician and feeding specialist who treats children. She developed a philosophy about the division of power. The parent will decide the “what, when and where” of meals. The child gets to decide “if and how much”.

2. Limit between meal snacking. This is essential for the child to develop a hungersatisfaction cycle. Keep snack portions small, 100-150 calories each.

3. Introduce new foods at snack time. This takes the stress out of the main meal, a nd if your child refuses the snack, you can be assured that he will eat at the next meal. +V UV[ VɈLY HKKP[PVUHS JOVPJLZ 4. Allow for food exploration at non-meal times. Go to the grocery store and talk about what your child would like to try. Play with food: smelling, licking tasting touching and mashing it. Experiment with new recipes and engage your child in meal prep.

5. Be persistent. It may take up to 20 presentations of a new food on the child’s plate before it becomes an accepted food. Praise any and all attempts!

6. Make it fun. Cut foods into fun shapes, make faces or towers. Kids are more likely to explore something they are interested in. Introduce “dips” adding vegetable and fruit purees.

3PTP[ Z\NHY` KYPURZ HUK HY[PÄJPHSS` ÅH]VYLK MVVKZ 1\PJLZ HUK KYPURZ JHU WYV]PKL LTW[` JHSVYPLZ HUK ÅH]VYPUNZ PU[LYMLYL ^P[O [OL JOPSK»Z HIPSP[` [V [HZ[L YLHS MVVK 8. Do not use food as a reward or punishment. Refer back to #1. Any other TL[OVK TH` VUS` JVTWSPJH[L [OL MLLKPUN KPɉJ\S[` HUK JYLH[L TVYL issues as your child grows. ,SSLU :H[[LY PZ H NYLH[ YLZV\YJL MVY WHYLU[Z VM WPJR` LH[LYZ She has written several books or visit her website: LSS`UZH[[LYPUZ[P[\[L VYN O[M [OLWPJR`LH[LY WOW

Send questions or topics of interest to 08742 Living via email: sdejacimo@gmail.com, or message us on Facebook.

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Beer Corner )RU WKH /RYH RI %HHU

“April Showers Bring May Bocks”

by Matt Connelly

As the local temperatures continue to climb, the dark and boozy Stouts and Porters that I consumed all winter seem less desirable by the day. I’m naturally inclined to want something lighter but, as I’ve stated in earlier columns, preferably avoid the s watered-down lagers that dominate the American beer market. So what is a craft-beer drinker seeking a brew that is lighter in color yet full of body HUK ÅH]VY [V KYPUR& ;OLYL HYL H JV\WSL VM ILLY Z[`SLZ [OH[ HYL WLYMLJ[S` suited to this transitional time at the Jersey Shore – the Maibock and the Witbier.

Unlike its darker and malt-forward Bockbier predecessors, the Maibock is brewed with pale malts and is more aggressively hopped to produce a crisp and refreshing springtime beer.

Despite its golden color, a Maibock typically ranges from 6.5% to 8% ABV and pours with a thick and creamy white head. The most highly-regarded American Maibock is the “Dead Guy Ale” produced

by Oregon’s Rogue Brewery. In addition to winning “Best of Year” at the World Beer Championships 4 times since 2008, “Dead Guy” WLYMLJ[S` L_LTWSPÄLZ [OPZ O`IYPK Z[`SL I` JVTIPUPUN [OL THS[PULZZ VM H bock with the hoppiness of an ale. Another fantastic Maibock is being produced in nearby Hershey, PA by the brothers at Troegs. “Cultivator” IHSHUJLZ OPU[Z VM [VHZ[LK NYHPUZ ^P[O ÅVYHS OVWZ [V JYLH[L H ÅH]VYM\S `L[ remarkably drinkable lager. I recently picked up both of these choice brews at the Wine Outlet on Arnold Avenue. >P[IPLYZ VU [OL V[OLY OHUK HYL \UÄS[LYLK HUK KLYP]L [OLPY UHTL MYVT [OL suspended yeast that gives the beer a cloudy (e.g. white) appearance. rtiion Witbeirs get their unique and refreshing characteristics from a high proportion of wheat malt used in the brewing process and the occasional addition of ers, citrus or spices. “Allagash White,” #1 on Beer Advocates list of top Witbiers, is light and crisp. The addition of coriander and orange peel during the WSL WS L IYL^PUN WYVJLZZ HKK H ZWPJ` HUK MY\P[` ÅH]VY YLZWLJ[P]LS` @V\ JHU ZHTWSL Allagash White, in addition to another top Witbier - Brewery Einstock’s “Icelandic White Ale” – on draft at The Spot throughout the spring!

Maibocks and Witbiers are a perfect way to say goodbye to a long winter and the best of these styles are available throughout the 08742.

Enjoy!

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%HDFK 0HGLWDWLRQV RI D -HUVH\ *LUO Written by Evelyn Regan in the days following Hurricane Sandy

Every beach I have ever visited has a personality all its own; its own wave patterns, its own graininess and color of sand, its own descent to the water, its own species and colors of shells, its own usual temperature, even its own smell. Sometimes it is subtle, but I notice. I notice the sand dollars of Sarasota in sand ZV ÄUL P[ PZ SPRL X\PJRZHUK 0 UV[PJL [OL T\S[P[\KL VM JH[ paws in Naples and the various bird species there, the coral and rockiness on Key West. I notice the olives on Hobe Sound like the ones I gathered in my teens [V ÄSS HU LU[PYL SHTW 0 UV[PJL [OL ZLH [\Y[SLZ SH`PUN [OLPY eggs in darkness on Jensen Beach.

of Myrtle Beach, the driftwood and dunes and stark isolated feeling of Cape Cod. I notice the hoof prints of horses in St. Augustine.

Then I close my eyes and see the thick, sturdy clam shells, oysters, and mussels in the sand to which I compare all other sand. I can remember walking the beach there as a girl with my grandfather after the Z[VYTZ [V ÄSS H I\JRL[ ^P[O JSHTZ [V THRL JOV^KLY and how the wind gusted and blew that sand and how it stung my legs. I remember how as teens, we made-out at the inlet and wrote love notes on the rocks there, the summer smells of hot tar, pizza, peppers and onions, and the slogan “Hey Rube, Get a Tube”. I can feel the precise spring of the boards VU [OL IVHYK^HSR ILULH[O T` MLL[ 0 JHU [HZ[L [OL ÄYZ[ frozen custard of the season and I can hear the wheels spinning and the kids on the rides, and the sea gulls dive-bombing for popcorn. I can feel the exact weight and size of a skee-ball in my hand, and I can feel my heart there right now. You can take the girl out of Jersey, but you can’t take the Jersey out of the girl.

I notice the tiny sea urchins and beautiful sea glass in Cozumel, the sugary sand and the iguanas that ate my oranges on Grand Bahama. I notice the moons and whelks and the glorious reef at Bath Tub Beach, and the yellow scallops further north on Hutchinson Island.

I notice the hard-packed sand and the sounds of cars on Daytona, the tiny coquinas still stuck together like WHZ[LS I\[[LYÅPLZ ZJH[[LYLK V]LY [OL .YHUK :[YHUK

St. Vincent de Paul Society Fundraiser “Help Us Help Others”

Mega FIFTY-FIFTY RAFFLE

-PYZ[ 7YPaL VY VM [V[HS YLJLPW[Z ࠮ :LJVUK 7YPaL VY VM [V[HS YLJLPW[Z ;OPYK 7YPaL VY VM [V[HS YLJLPW[Z ࠮ -V\Y[O 7YPaL VY VM [V[HS YLJLPW[Z Fifth Prize- $1,000 or 2% of total receipts +YH^PUN VU :\UKH` 4H` ' ! 74 ࠮ >PUULY ULLK UV[ IL WYLZLU[ ONLY 500 TICKETS WILL BE SOLD TICKETS $100 FOR A FULL TICKET; OR $25 FOR A PARTIAL SHARE...Call 732-295-3630, Ext.33 I NEED A TICKET

I NEED A TICKET Name: __________________________________________________

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Street: __________________________________________________

Street: __________________________________________________ Town: __________________________________________________ Phone: _________________________________________________

Town: __________________________________________________ Phone: _________________________________________________ Email: __________________________________________________

Email: __________________________________________________ Please return this form with your check for $100 for each ticket.

We will mail your ticket to you.

Please return this form with your check for $100 for each ticket.

We will mail your ticket to you.

Make check payable to: SVdP-St Martha Conference, 3800 Herbertsville Rd, Pt Pleasant NJ 08742

Make check payable to: SVdP-St Martha Conference, 3800 Herbertsville Rd, Pt Pleasant NJ 08742

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Shore Recipes Chicken salad is not a food I would ever order at a deli, and once you taste this one you won’t either.

This is not your typical…. too white, too mushy, too much mayo chicken salad. My clan requests I make it at least once a week for lunches and I’ve taken it to summer picnics and gotten rave reviews.

Serve it on toast, croissants, or in lettuce wraps as a gluten free option. If you add a slice of crispy bacon or melt some sharp cheddar on top, you will never look at chicken salad the same again.

Chicken Salad

2 large boneless skinless chicken breasts- about 1 ½ lbs.

Place chicken in medium saucepan and cover with water. Add a generous sprinkle of salt, pepper, onion powder, garlic powder, Mrs. Dash, paprika and a splash of apple cider vinegar. Simmer for 35 minutes until very tender.

Allow chicken to cool in the water so that the meat reabsorbs juices lost during the cooking process.

Trim any visible fat and shred with 2 forks.

1/3 cup chopped walnuts (optional) ½ cup finely chopped crispy tart apple ½ cup mayo (Fuji, Honeycrisp or Winesap variety) 2 TBSP Woeber’s Champagne dill mustard ¼ cup white onion finely chopped (about ½ small onion) 1 TBSP apple cider vinegar 1/3 cup dried cranberries salt and pepper to taste 1/3 cup finely chopped celery (about 1 stalk) Mix all ingredients with shredded chicken. Chill for several hours before serving for best taste. Enjoy!

Do you have a recipe that you would like to share with 08742 Living readers?

Send it along with your name to our email: stevedejacimo@gmail.com

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17

Making the Drop

by Eric Beyer

When Steve asked me to write a column for his publication, 08742, I loved the idea! I figured that I would spread a little of the local Surf Culture from our area. Here’s my 1st story with more to come…Enjoy!

Sorry if there are any inconsistencies, but that’s straight from Ted’s mouth as he recalled things... there was more, but a different story for a different time. Some years back, Ted asked me to print some commemorative tees...for the Bay Head and Mantoloking shops only. We went over to his Mantoloking house and he peeled an original Islander’s sticker from the upstairs window (I still have it) and told me to print some up...we added “remembered” of course. We did them a couple of times over the years, as many of the old time locals asked for a re-print, I figured it was good timing.

Owning a shop in Bay Head for almost 20 years, I’ve heard so many stories about the local shop and have seen quite a few boards from there...mostly Hansen’s.

When I opened the Beach House in 1996, on Mount Street, I wasn’t sure of Bay Head’s Surf Shop history. As that first summer progressed, I began to hear stories about the Islander’s, the characters that owned the shop and the effect that it had on the local surf scene back then.

The original Islander’s was owned by twin brothers, Ted and John Robinson. The Bay Head shop (located where Andi’s is now) was the cornerstone location and was around from 1964 to 1971 from what Ted told me.

During the summer of ‘96, I became good friends with Ted, he’s an awesome guy...never met his brother.

Ted lived on Princeton Ave. in Mantoloking, but sold the house a bunch of years ago. He now lives outside of Boston and takes many surf trips to Block Island in his small airplane.

I’d love to hear more stories, so share them if you’ve got them. Tees are available at the shop for sale and we can send them out if needed.

Keep the Faith and have an awesome day!

Eric & Sandi Beyer

They opened the Islander’s in 1964, 1st in Bay Head, then Mantoloking as well. They had several other short lived locations in Ortley, Ship Bottom and possibly others. They had 1 in Long Branch for some years... how and why this one was opened is a cool story in itself. They ran the shops while they attended college....1 at Yale and the other Harvard...really smart dudes....1600 SATs and all. Anyhow, they closed up the Bay Head and Mantoloking shops in 1971, but the Long Branch shop remained open. The Long Branch shop was being managed by Vince ‘Peanuts’ Troniec... they sold that shop to him and he ran it for quite a while until they changed the highway and the shop had to be torn down.

517 Main Avenue Bay Head, NJ 08742 www.beachhouseclassic.com 732-714-8566

(FAILURE TO LEVERAGE, continued)

the world’s most successful businesses – do you think Bill Gates or Adrianna Huffington make decisions without advice from their experts? Of course not! So why would any entrepreneur do so?

excess of the initial outlay. The term “Return on Investment” (ROI) is the one to grasp. With my business client, for example, what he spent on legal and accounting fees to properly structure his business could have been the only expense: Instead his hubris resulted in those fees plus a tax bill and additional legal and accounting fees that could have been completely avoided.

Yet, entrepreneurs do so every day – and always to their detriment.

They cannot understand why their website does not “work” or why the coupons they issue do not attract new customers. They cannot understand why they are being sued or why they cannot retain great employees. They do not know how to decrease their tax liability or increase profits exponentially.

So what are you waiting for? What can YOU leverage today?

Copyright C. Schmidt, 2015. All rights reserved. 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 April: Should I Go Into Business for Myself? This is a great workshop to help you decide if you have what it takes!

But…you say, “I am in no position to hire these ‘experts.’ That costs too much money!” Someone with a financial background can show you in minutes how those costs bring returns far in

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Catholic Community of

SAINT PETER

406 Foreman Avenue Point Pleasant Beach, NJ 08742 (732) 892-0049 Pastor: Rev. Robert Benko, OFM Conv.

Weekend Mass Schedule Saturday Vigil Mass: 5:00pm Sunday: 7:30, 9:00, 10:30am and 12:00pm

All Are Welcome!

Mueller’s Bakery A full line, old fashioned bakery since 1890!

Cakes • Bread • Donuts • Danish Bagels • Rolls • Pastries • Cookies • Wedding Cakes Cupcakes • Crumb Cake • Special Occasion Cakes

Stop in for our Famous Crumb Cake!

80 Bridge Avenue Bay Head, NJ 08742 732.892.0442 www.muellersbakery.com

Where Quality Makes a Difference!

Free Cup of Lobster Bisque

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