Bayshore Community Messenger

Page 1

March 2011

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Vol. IV, Issue III

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March 2011

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Community Messenger

March 2011

Hibernation is over, it’s time for a day of play CONTACT US:  732-739-8689 admin@mycommunitypublications.com

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News.......................................4–25 Calendar...............................18-19 Columns..............................30-33 Kid’s Corner..............................26 Our Charity ..............................21 Pets.......................................22-23 Where’s Moose?.........................22 Puzzles........................................27 Your Say......................................34 Local Service Listing...................17

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STAFF PUBLISHERS:  Cliff Moore and Vin Gopal DESIGN:  Lori Donnelly GENERAL MANAGER:  Maria Connors CORRESPONDENTS:  Matthew R. Linderoth Shirley StClair Michelle Tuchol

By SHIRLEY STCLAIR Correspondent HIGHLANDS BOROUGH – Spring is in the air, hibernation is over. It’s time to celebrate and rejoice the coming season. What a wonderful way to kick up our heels by having a parade. On March 19, the 9th Annual St. Patrick’s Parade in Highlands will transform a quaint fishing village to a place that is becoming well-known for its beautiful floats, warm and welcoming people, excellent food and grand Irish music. Over 15,000 townspeople and visitors come and line Highlands’ one-mile stretch of Bay Avenue business district to watch and cheer the pageantry. This year’s grand marshal, Doug Douty, owner of the Lusty Lobster, a seafood company, and a loyal Highlands business owner for over 30 years, will lead the over 100 marching units, including bagpipers, marching bands and floats that will line up in attendance. The emcee of the festivities, Pastor

Marty McGrail of the New Life Christian Church, will have the honor of introducing the bands and performers. Highlands’ business owners join the fun by creating floats to compete for one of the trophies awarded: the Highlands Business Partnership Will Award, “Best of Show,” “Prettiest” and “Most Original,” as well as the bragging rights for the year. “Be on the lookout, all the festive floats will be throwing many goodies to the crowd,“ Carla CefaloBraswell, president of the Highlands Business Partnership, said. After the parade, it has become a tradition for the Irish bands from the parade to go to the 20 delightful restaurants in Highlands and share their Irish music with the patrons. Irish music will be heard up and down the Highlands and the musicians have been known to roam the streets playing their music and serenading the public with Irish ballads while visiting each establishment to share an Irish cheer throughout the day and night.

“We love the parade; it draws about everyone in the town and has brought visitors from as far as New York and other states,“ Highlands Mayor Frank Nolan said. Jay Cosgrove, owner of Bahr’s Landing and host for the 2011 St. Patrick’s Parade Fundraiser agreed. “It’s a day to smile because winter is over and it’s time to come out to have a good time and see friends,” he said. However, all agree that the parade would not have come together without the vision of Carla Cefalo-Braswell, president of the Highlands Business Partnership, the hard work of the business owners of Highlands and the generous sponsorship of Comcast, WRAT Radio, Shore Point Distributors, T&M Associates, Frank Rahm Landscaping and Hufnagel Tree Experts. Come get ready to enjoy a day filled with music and fun on March 19, at 2 p.m. for the 9th Annual St. Patrick’s Parade. For more information, call 732-291-4713 or go to www.highlandsnj.com.

Raritan’s Gurczeski to receive Tuggle Award EATONTOWN TOWNSHIP – Jared Gurczeski, a senior at Raritan High School, has been named this year’s recipient of the John Tuggle Award. Gurczeski will receive his award at the 39th Annual Vince Lombardi Awards dinner on Thursday, March 3, at the Sheraton, Eatontown. The Rotary Clubs of Monmouth County have held this event annually to recognize outstanding high school football lineman from Monmouth County. The recipients have been selected by their coaches, because they represent the tradition, beliefs and ideals of Vince Lombardi, the legendary coach of the Green Bay Packers. Each year, one special young man is selected to receive the John Tuggle Award, which is given to an athlete who has overcome adversity, met overwhelming challenges and succeeded. Gurczeski has shown great perseverance in overcoming many obstacles in his young life, obstacles that are not common to many teenagers. Gurczeski was diagnosed with a form of cerebral palsy while in elementary school. His condition would bring on an intense cramping of the calf and shin muscles which could be most closely described as severe shin splints. This did not stop Gurczeski from playing competitive organized sports. It was common after a game to see Gurczeski on crutches on the weekend, sometimes until Monday in school. Cerebral palsy was only half the issue for Gurczeski. As a junior, Gurczeski was competing against a senior quarterback for playing time. Both issues did not stop Jared from impressing the coaching staff and earning the respect of his teammates through his hard work and dedication. Gurczeski would eventually earn starting time as the varsity QB

and lead his team to victory against Point Boro. This would be short lived, as the next week he discovered a pilonidal cyst on the base of his tailbone that would require immediate removal via surgery. Gurczeski never felt sorry for himself, he took everything in stride and kept his mind strong hoping he would get a second chance on the season. The team was lucky enough to extend their season and Gurczeski worked his way back to varsity playing time. Everyone believed that Gurczeski’s strife was behind him but that would not be the case when Gurczeski discovered a rash that was thought to be athlete’s foot. In unbearable pain, he left school to see the doctor and from there was rushed to the hospital for treatment of cellulitis. The infection was caught early, but Gurczeski was under 48hour surveillance for the treatment of cellulitis with IV antibiotics. After Gurczeski’s release from the hospi-

tal he came back to practice with the same vigor, with the same passion, excited to get his team back on track. At the next game, Gurczeski, on a late hit out of bounds, sprained his MCL. He was able to come back in the last minutes of the fourth quarter and lead his team to victory. Everyone faces adversity at some point in their life, but it is the special people like John Tuggle and Jared Gurczeski who show the fight of the human spirit and the strength of the human body and the courage of the mind, that gives us all a blueprint on how we face our problems in our life. Proceeds from the event will benefit charities of the Monmouth County Rotary Clubs, Center for Vocational Rehabilitation and the Monmouth County chapter of the American Cancer Society. For more information or for tickets to the event, call Diane Rotondelli at the Center for Vocational Rehabilitation offices at 732-5441800 ext. 231.


March 2011

Community Messenger

Lombardi’s is a one-stop shop for all things Italian

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Lombardi’s eggplant parmigiana .–Photo courtesy Lombardi’s By MATTHEW R. LINDEROTH Correspondent MATAWAN BOROUGH – Since June 2004, Lombardi’s of Matawan on Route 34 next to McDonald’s has been serving the community delicious pizza and Italian foods. Part Italian deli, part pizzeria and part catering service, Lombardi’s is like no other place around. Most of their food is made in house, including their mozzarella cheese and is all natural. Along with pizza, they carry a wide assortment of pre-made foods, desserts and seasonally inspired foods. Matt and Chris Lombardi are the owners, but credit the success of their business to the excellent staff. “None of it can be done without them,� Matt said. In fact, in many ways their signature product, their homemade mozzarella, could not be made without Nora. Each morning, she begins her day making the pounds of mozzarella Lombardi’s will go through in just one day. Mozzarella is a staple in most

Italian dishes and after two hours, Nora makes some of the best mozzarella one can find. “These hands are insured for a million dollars,� she joked when I asked how they made the mozzarella, but she is not too far off. Without knowing about Lombardi’s mouthwatering mozzarella, just walking inside and smelling the aroma of fresh-baked pizza mixed with the sight of display case after display case filled with food will make you want to taste one of everything. Lombardi’s does both dine-in and delivery. And if you order your take out online at www.Lombardifoods.com, they will take 15 percent off your order. They cater as well and, along with Italian dishes, they have a seasonally inspired catering menu. This summer they are offering a BBQ package that comes with several BBQ dishes, a chef, bartender, server, decor, and a DJ. Lombardi’s is open seven days a week from 9 a.m. to 8 p.m. Saturday to Thursday and from 9 a.m. to 9 p.m. on Fridays.

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March 2011

M’town resident Cook celebrates 101 years By MICHELLE TUCHOL Correspondent

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MIDDLETOWN TOWNSHIP – In Room 152, you will find a woman who knows what it’s like to live. Emily Cook, a well-known resident of Regal Pointe independent living community, turned 101 years of age on February 16. She treated her birthday like just another day, even though plans for the celebration had been brewing the entire month. “I don’t feel like it,” Cook exclaimed about her age. The charismatic attitude of age being just a number still resonates in her life. The world has changed for Cook since 1910. Life was very difficult for her and her family growing up. However, it never stopped Cook from embracing every day with a smile, a hearty laugh about the past and an appreciation for having her health and quick wits. Cook was the middle child of eight. At a young age, however, her two younger siblings passed away. After her father died at 53, Cook made the decision to discontinue her education. She was 13 years old. The obstacles that followed would determine the family’s future. “We needed money,” Cook explained. Her brothers and sisters also sacrificed their schooling to support the family. “Nobody went to high school in my family,” she said. Cook recalled waiting in bread lines and only being able to get gas for her car on certain days. “Can you imagine having a ticket for gas? You could only go that one day,” she exclaimed. Despite the hardship of having to work at a young age, Cook admitted that she enjoyed working. Before retiring at 62, Cook worked for Westinghouse, Western Electric and RCA, all of which pioneered modern living. Her journey through the work world allowed her to build lasting relationships and, with vacation time permitted, to travel. Since then, Cook is the only surviving member of her family. It’s difficult to have outlived all of her relatives, including her husband, who passed away due to cancer. But Cook is able to keep good spirits and even jokes about it, simply believing it’s not

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Emily Cook recently celebrated her 101st birthday.–Shirley StClair her time to go. There is no secret to longevity for Cook, but by the looks of this incredible woman, it seems time has passed over her. Cook does say that it’s all about how you think and how well you treat yourself. “Some people sit in their rooms and twiddle their thumbs,” Cook said, regarding other residents at Regal Pointe. “That’s how you get old.” Cook likes to keep busy. She enjoys short trips to the store to buy her own food and likes when her niece Elaine comes to take her shopping. One of her most engaging hobbies is knitting; her room holds a large chest that is filled with handcrafted garments from over the years. Other activities that the living community provide also keep Cook and other residents occupied throughout the week. Soon, a new van for the establishment will have residents out and about in Middletown. “I live day to day,” Cook said with a smile. She reflected on her life, although scattered with adversity, as being the most wonderful experience. Times may not have always been prosperous, but Cook seemed to always find a way to make the best of a situation. The negatives were notions that she would grow because of it. She looks straight ahead as if watching a movie about her life play out in front of her. “I’ve had a good life.” And it’s still not over.

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March 2011

Community Messenger

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ATL. HIGHLANDS $585,000 LOVINGLY MAINTAINED VICTORIAN - Located high on a hill with 3 floors of year-round water views. Sweeping wrap around porch, kitchen w/tin ceiling, fireplace, 9` ceilings, master bath with zinc tub, large 3rd floor with spectacular skylight, widow`s walk, move in condition. Charming town, beaches, boating.

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OCEANPORT $779,000 MARVELOUS WATERFRONT PROPERTY - Located on Shrewsbury River. Gorgeous & spacious property with riparian grant. Deck and 100 foot dock w/boat lift, brand new cable, water & electric, de-icing system. Near beaches, parks, transportation, shopping and restaurants.

OCEAN TWSP. $325,000 SPECTACULAR LAKEFRONT PROPERTY - Home has great potential for restoration or possible rebuild. Rare opportunity. Being sold strictly as-is with buyer responsible for c/o. all inspections for informational purposes only.

MIDDLETOWN $489,000 DON’T MISS THIS - Beautifully maintained and lovingly cared for, this home features an open floor plan, generous room sizes, FP, spacious LR opens to dining room, 3 large bedrooms and 2.5 baths. The expansive back yard complete w/2yr old i/g pool and paver patio. Move-in condition.

OCEAN TWSP. $529,000 BRAND NEW CONSTRUCTION Two story entry foyer w/wood floor leads to lovely formal DR, LR & spacious EIK w/stainless appliances & granite countertops. Family room w/fireplace opens to kitchen. Master bedroom suite featuring a master bath and walk-in closet. The rear of the property offers lovely waterview.

TINTON FALLS $499,999 BEAUTIFUL - Roomy 4BR, 3BA home w/wood floors on 2nd and 3rd levels. Vaulted ceiling on entry level, cozy den off DR w/wood-burning FP, huge family room on lower level. Mahogany deck off kitchen overlooks private backyard and gorgeous 40' in-ground pool. Door from 1st level leads to covered patio.

RUMSON $10,500,000 TRULY BREATHTAKING WATERFRONT ESTATE - "RIVER`S END", located on the most picturesque bank of the Navesink River overlooking scenic Hartshorne Woods. 10,000+ sq. ft. 3-story brick main residence w/elevator. 3 bedroom, 2 bath guest house, infinity edge pool with poolhouse, dock with boat lift and garages for 7 cars.

RUMSON $550,000 WONDERFUL - Lovely home nestled in the heart of Rumson! 3/4 BRs, 2 full baths, HW floors & custom walnut built-ins. Kit has new Stainless DW, stove & microwave. Cedar Way Maple Shake Siding, Hunter green architect roof, Pella "Mission Style" Windows. Enclosed heated front porch!

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RUMSON OFFICE 30 Ridge Road, Rumson, NJ 07760 Office: 732-747-8282


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Community Messenger

March 2011

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March 2011

Community Messenger

Dynamic duo opens shop on their terms

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Licensed Massage Therapist Delivering therapeutic wellness care to your home or office throughout New Jersey Deanna Bravo (left) and Candy Galvez.–Michelle Tuchol By MICHELLE TUCHOL Correspondent HAZLET TOWNSHIP – Deanna Bravo, manager of Dante Tuxedos, knows all about sizing up her customers. For seven years, Bravo has been with the company and knows what it’s like to take measurements, appease customers and handle the stress of prom and wedding season. Now it’s time for someone equally knowledgeable with the company to learn the customer service side of management: Bravo’s mother, Candy Galvez. Galvez has actually been with the company for over 10 years, but her expertise was originally with Dante’s corporate office. When Nick Pietroniro, a longtime business partner and partial owner of the family-based company, came to Galvez with the proposition of owning a store, she saw an opportunity. Running an individual store is a far cry from the oftentimes-mundane tasks of running someone else’s business, Galvez said. “Working with numbers is a lot easier,” she added. “Numbers don’t talk back to you.” Galvez is still in charge of payroll for the company. But all numbers aside, she’s ready to take steps in a new direction that will hopefully be more rewarding. On January 3, Dante Tuxedos of Hazlet opened its doors on Route 35 under Galvez and Bravo’s management. Since then, the women have been hard at work getting ready for spring, the busiest season for tuxedo rentals. Since Bravo already knows what to expect, she must continue to teach her mother what it takes to make clients happy. The relationship between mother and daughter appears to be strong. Bravo understands that there are some aspects of customer service that her mom would like to improve upon. “I freak out when I have to measure someone,” Galvez said. “I think that I’m

going to ruin their wedding if I don’t get it right.” Bravo laughed at the comment and said it’s just something they’ll work on. Weddings are not the only time when tuxedos are apropos. At the end of February, catalogues are sent to the store featuring different types of tuxedos that manufacturers will be selling for prom. Bold and bright colors are usually the norm when spring rolls in, and the prints in which the colors are offered contain a wide variety of styles. Bravo and Galvez both agree that they can match just about any color, style or print of a tux or tuxedo accessory to an accompanied outfit. “We can buy and sell what we want,” Galvez said. She and Bravo appreciate the freedom of owning an individual store. Bravo does note that until business picks up, she and her mother will have to grin and bear the added responsibility and long hours in the store that have them in a bit of a cabin fever mentality. “We get along,” Bravo said. “But we also keep our distance.” Since prom and wedding season is right around the corner, it won’t be long before Bravo and Galvez will be able to take a much needed vacation. Whether they go together or separately is still to be determined. For now, clients are warming up to the idea of a mother/daughter-owned store. In an environment where sophistication is key, the relaxed demeanor of both Bravo and Galvez puts customers at ease. Both women are very accommodating, which isn’t always an easy task. Bravo does get enjoyment from giving her mom chores that, in essence, will give her a better understanding of running Dante. She hands her mother a hanger and tells her to assemble the tux of a client who had just finished a fitting. “She won’t be doing that that too much longer,” Galvez said with a laugh.

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March 2011

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March 2011

Community Messenger

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Pre-K students receive special attention at The Goddard School

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FROM OUR ITALIAN DELI • • • • “Ms. Bobbie” Kleban reads to her Pre-K class at The Goddard School in Hazlet.–Michelle Tuchol

By MICHELLE TUCHOL Correspondent HAZLET TOWNSHIP – An education is nothing to scoff at—even for a four year old. At The Goddard School where Bobbie Kleban teaches Pre-K, every day is a new and exciting experience. “Ms. Bobbie” Kleban explained that even though routine is a part of the students’ curriculum, there’s always wiggle room for a different activity. With 25 years of experience in the field of education, Kleban knows what it takes to make children happy. Her background in sociology also helps her communicate with the students and their parents, who are eager to know about their children’s progress. “It took about 15 minutes for her to get situated,” Pat Hough, owner and kindergarten administrator at The Goddard School, joked. Kleban became a part of the school’s family in December of 2010. At The Goddard School, students play through work. They are the most important part in the learning process. Attention to detail is never lost throughout Kleban’s day. Her students arrive at 7 a.m. and the day continues with various activities, such as lessons in math and science, language literacy and applied technology with such devices as an interactive Smart Board. “My favorite part of the day is process art,” Kleban said. As opposed to art history, the students are able to mimic a

specific artist they have been learning about by creating their own work. The use of basic materials makes it a simple and very enjoyable task. At the end of each school day, every student is sent home with an Activity Report. It explains, in detail, about the lessons and tasks that were preformed. The report is a way to get parents involved in what their children are doing and also promotes positive feedback for the students. It’s amazing what they come up with,” Kleban said, in regard to the individual personalities each student displays. Pre-K is an important step for children. Hough believes that it is a wonderful transition for students to become acclimated to the schoolroom environment when they enter kindergarten. When this school year is over, Kleban will be graduating with her current students and moving on to teach The Goddard School’s kindergarten class. She is excited to share more time with the children who she has educated and helped grow. Enrollment for kindergarten will continue until the end of February, and the demand for this class has given the owners, Doug and Julie Vanderbilt and Hough, the opportunity to create a new classroom specifically for that purpose. As for Kleban, who has nurtured children in daycare and collaborated with other schools in the past, the students and faculty see it is clear that The Goddard School is where she belongs.

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There is more to St. Patrick’s Day

than green beer, snakes and parades By MATTHEW R. LINDEROTH Correspondent

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they planned to convert the Druid population.

In the middle of March, Americans love to break out from the winter doldrums and celebrate St. Patrick’s Day with parades, green beer and “Kiss Me, I’m Irish” buttons. But how much do you really know about the holiday. Below are some interesting facts and tidbits about the March 17th holiday. 34 million Americans have Irish ancestry. That is nine times higher than the population of Ireland, which is 4.1 million. Irish is the second highest reported ancestry in America. Twelve percent of Americans claim to be Irish. In Massachusetts, that number jumps to 24 percent - the highest in the nation. According to the Guinness Book of World Records, the highest number of leaves found on a clover was 14. On any given day, 5.5 million pints of Guinness stout are sold worldwide; on St. Patrick’s Day, the number more than doubles to 13 million pints. Who was Saint Patrick? Did you know St. Patrick’s Day is celebrated on March 17, because it is the day St. Patrick died? St. Patrick’s given name was Patrick Maewyn and he was born in Britain to a wealthy pagan family. St. Patrick, at the age of 16, was kidnapped and brought to Ireland. It was there that he had a dream where God spoke to him and told him to leave Ireland. He eventually made his way back to Britain where he had another dream telling him to return to Ireland as a missionary. For the next 20 years, St. Patrick studied Christianity, first in France then Germany. In 432, Pope Celestine bequeathed upon St. Patrick the title of bishop. St. Patrick and 24 followers returned to Ireland where

No snakes in Ireland Many myths have sprung up around St. Patrick. After his death sometime around 461, he was largely forgotten, but over the centuries folklore has interwoven itself into the story of St. Patrick. Did St. Patrick drive every snake out of Ireland? No, he did not. It is true, snakes do not exist in Ireland today, but they never did. Ireland is an island and snakes could not migrate across the cold waters that surround it. Lucky four-leaf clover Are four leaf clovers lucky? Yes and no. There are an estimated 10,000 three clovers for every one four leaf clover. So if you find one, you must be lucky. Why is the clover an integral part of St. Patrick’s Day? The clover was used by St Patrick to convert the Druids. The Druids believed in triads, which were sayings, broken into threes that were designed to help each member live their life and the three-leaf clover represented it. St. Patrick explained to the Druids that in fact they were correct. The three-leaf clover was a religious symbol, but it did not represent the triads. Instead, it represented the Trinity: the Father, the Son, and the Holy Spirit. Are you making the right fashion statement? The Irish flag is green, white and orange. Green symbolizes the southern part of the country and is worn by Ireland’s Catholics. Orange represents the northern part of the country and is worn by Ireland’s Protestants. White symbolizes the unity between north and south.

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THEATER REVIEW

‘A Thousand Clowns’ By MICHELLE TUCHOL Correspondent “You have to own your days.� The words of Murray Burns resonated at the Two River Theater on opening night of Herb Gardner’s “A Thousand Clowns.� The production gives insight into the mind of Burns, as well as everyone that comes into contact with him. Burns (Michael Nathanson), is a slightly off the wall, unemployed scriptwriter with a big imagination. His highly intelligent 12-year-old nephew, Nick (Matthew Gumley), has been living with him in a cluttered one-bedroom apartment since his mother dropped him off years prior. Since then, the odd couple play off each other, displaying wit and whim. The light-hearted tone disappears when a couple from child services knocks on the door and immediately begins prying into the life of the Burnses without much help from Murray. As Nick makes an attempt to show that his uncle’s world has given him an enriched childhood, Murray sabotages any chance of keeping his nephew by addressing the situation with uncooperative jokes. Albert Amundson (Brad Heberlee), the straight-laced, no-fooling representative of child

services, grows tired of Murray’s hijinks and dismisses the case. His counterpart, Sandra Markowitz (Crystal Finn), finds the Burnses endearing and stays with them to find a solution. Murray understands that in order to keep Nick, he must find a job and maintain a quality of life suitable for a child. But thoughts of working for people who can’t appreciate a creative mind leave him unable to justify any kind of employment. It’s only after encouragement from Sandra, who finds herself falling for Murray, that he bites the bullet and asks for help from his brother, Arnold (Lou Liberatore). Although Arnold makes every effort to help his brother, Murray seems to fudge an opportunity to resume work with “Chuckles the Chipmunk,� a TV personality played by Leo Herman (Nick Sullivan). All seems lost after a heated debate with Arnold and a misinterpretation of what’s really funny about “Chuckles.� But the dilemma concerning Nick and the possibility that he will grow up without the gusto of a free spirit makes Murray change his ways. The characters have serious passion for what they do. It’s something that is noticeably different about the 1965 film adaptation. As in the original 1962 Broadway hit, the audience must

l-r: Matthew Gumley (Nick Burns) and Michael Nathanson (Murray Burns). –Photo courtesy Two River Theater Co. rely on the actors’ facial expressions, tone of voice and movement on one stage without the aid of excessive score, or background music, to set the tone. No, there weren’t any clowns present—at least, not any with dramatic makeup or oversized shoes. The clowns in director Davis McCullum’s production are all those who make up the story. It’s Murray, who doesn’t take anything seriously.

It’s Herman, whose main goal is for people to like him. And it’s Markowitz, who gives undivided attention to those in need, without recognizing the needs of her own. “A Thousand Clowns� is a well-received play that pays tribute to the shifting values of 1960’s conservatism and the strides that everyone makes in order to find their role in life.

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A co-worker’s first foray into the world of book publishing By SHIRLEY STCLAIR Correspondent Have you ever wondered what it would be like to meet a famous author when they first get published or are just starting their professional writing career? The question came to mind because one of my co-workers, Matthew R. Linderoth, is such a person. He is a young man who is just starting his career as a historical author and has recently published his first book, “Prohibition on the North Jersey Shore: Gangsters on Vacation.” “Prohibition on the North Jersey Shore: Gangsters on Vacation” provides a look at how towns such as Asbury Park, Atlantic Highlands and Ocean Grove began as quiet retreats for pious New Yorkers wishing to escape the vice and crime of the city, before becoming a haven for criminals who smuggled liquor through the seaside with the passage of Prohibition. It explains how gangsters like Vito Genovese, Charles Luciano and Meyer Lansky ruled this brutal underworld as well as how the Ku Klux Klan found a very welcoming

home along the North Jersey Shore while tourist and local residents alike struggled to deal with crime unfolding all around them. You will also find out what Atlantic Highlands, Red Bank, Leonardo, Belford, Keansburg, Keyport and other towns had in common during that time. Also, most of the pictures in the book have never been seen, and Linderoth designed the maps within the book. Linderoth holds a bachelor’s degree in history from Rutgers University and a master’s in U.S. History from Monmouth University, where he specialized in-20th century U.S. social history. He is a trained historian who spent two years researching and read over 100 books on a wide range of topics, spending thousands of hours in the

archives of the Monmouth County Historical Association, the Long Branch Library, the Asbury Park Library, the Rutgers University Library, the Monmouth University Library, the New Jersey State Library, the Middletown Library and the Monmouth County Library. Linderoth will be lecturing and signing books at local historical societies and associations in the coming months: • March 19 from 1-3 p.m. at the Holmdel Barnes & Noble on Route 35; • March 21 at 7:30 p.m. in the MacLeod-Rice House at Croydon Hall, 900 Leonardville Road, Leonardo; • April 27 at 7:30 p.m. at the Long Branch Historical Association; • May 29 at the Galleria in Asbury Park; and • June 22 at 7:30 p.m. at the Atlantic Highlands Historic Association at the senior center. “Prohibition on the North Jersey Shore: Gangsters on Vacation” can be found at Barnes & Nobles, Amazon, the Book Compound in Atlantic Highlands and the Galleria in Asbury Park.

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Calendar Event Listing cont. Saturday March 19

HIGHLANDS 9th Annual Highlands St. Patrick’s Day Parade Bay Ave, Highlands; 2:00pm Contact: 732-291-4713

Monday March 21 ASBURY PARK Staged Reading: Revision Theater The Showroom 6:30pm - 7:30pm 708 Cookman Ave, Asbury Park Contact: 732-502-0472 The Importance of Being, presented by Revision Theater

Thursday March 24 ATLANTIC HIGHLANDS Dine & Discuss Merger Julia’s Restaurant 6:00pm - 8:00pm 91 First Avenue Contact: 732-872-1007 Atlantic Highlands Library presents Meet the Author: Sanjay Sanghoee. The author will discuss his first novel, Merger. Reservations required.

Friday March 25 RED BANK Magical Dance Performance: The Wonderful Wizard of Oz Count Basie Theater 10:00am - 12:00pm 99 Monmouth Street Contact: 732-842-9000 The Wonderful Wizard of Oz presented by Company of Dance Arts. Students and Seniors only. Tickets: Students - $4, Seniors - $5 RED BANK Reckless Steamy Night: Eryn Shewell “Unplugged” The Women’s Club Red Bank 8:30pm - 11:00pm 164 Broad Street Light refreshments are provided. Benefits the Red Bank Woman’s Club, and the Jersey Shore Jazz & Blues Foundation scholarship funds. $10 suggested donation.

Saturday March 26 RED BANK

Magical Dance Performance: The Wonderful Wizard of Oz Count Basie Theater 3:00pm - 5:00pm 99 Monmouth Street Contact: 732-842-9000 The Wonderful Wizard of Oz presented by Company of Dance Arts. Tickets: Orchestra and Balcony - $35, Upper Balcony $15. Also playing on Sunday March 26.

SEA BRIGHT Casino Night McLoone’s 7:00pm - 11:00pm 816 Ocean Ave Contact: 732-842-8000, ext. 236 Tickets: $100. Includes a dinner buffet, $50 in casino chips and entertainment. It also features a 50/50 drawing, complimentary soda bar and a cash bar. To benefit The Source, Red Bank Regional’s School Based Youth Services Program.

Tuesday March 29 RED BANK Educational Matinee: Candida Two River Theater 9:00am - 12:00pm 99 Monmouth Street Contact: 732-345-1400, ext. 814 katecordaro@trtc.org Grades 9-12, part of Two River Theater Education Series

Thursday March 31 ASBURY PARK GSFF Special Screening for Kids Paramount Theater 10:30am - 1:00pm 1300 Ocean Avenue Contact: 877-908-7050 FREE - Advanced Reservations Only. A screening of age-appropriate Independent Films for kids, grades 5th-8th. Feel free to bring a bag lunch. Tables and chairs will be provided. ASBURY PARK GSFF Benefit Screening: Journey of Hope Paramount Theater 7:30pm - 9:30pm 1300 Ocean Avenue Contact: 877-908-7050 Screening of a Journey of Hope to benefit Joe Leone’s L’Aquila Earthquake Relief Fund. A reception to follow the screening.


Community Messenger 21

February 2011

OUR CHARIT Y

Kick Cancer Overboard’s free cruises The mission of the non-profit organization Kick Cancer Overboard is to give away as many free cruises as possible to people whose lives have been affected by cancer. During this annual cruise, their main concern is not how to pay for the next medical bill, but whether to play bingo, get a massage or go sing karaoke all night long. Kick Cancer Overboard (KCO) is the brainchild of Ted Friedli, the owner of Excel Travel in Long Branch. Last May, he ran the idea by his friends, DonnaLyn Giegerich and Tom Zapcic, Red Bank, president of Heritage Benefits Group LLC, who both “jumped on board� immediately to help grow KCO. The response from the local community was tremendous and within days Friedli was able to established a committee with Art Castellano (race director of N.J. Marathon); Robert Schillberg, Esq.; Linda Pressler, CPA; Carol Feldman, branch manager, Jersey Central Bank; and Cliff Moore, owner of Keyport IHOP and Community Publications. Also, you cannot forget Giegerich and

Zapcic, the inspiration behind it all. DonnaLyn is a professional speaker and national spokesmodel, insurance entrepreneur and creator of www.donnalyn.org, a global advocacy site to empower others. She is a rare sarcoma survivor and caregiver in this courageous cancer couple’s journey elevating what’s possible with “less fear, more fun.� Because of the overwhelming support from many local businesses, Kick Cancer Overboard has been able to sponsor six people, and offer them a well-deserved break for at least five days. You can view their stories at www.kickcanceroverboard. org. According to Friedli, there’s more good news as two more recipients will be announced at the next event. The actual cruise will leave from Cape Liberty on May 21 for five days to Bermuda, on Royal Caribbean’s Explorer of the Seas. Prices start at $525 plus tax per person. Friedli said it’s a numbers game: The more paying passengers KCO can book, the

Sponsorships opportunities

available for BBBS event Big Brothers, Big Sisters of Monmouth County is holding their 29th Annual Bowl for Kids' Sake bowling tournament from March 4 to March 6. Businesses can sponsor a lane for only $250 and bowlers can sign up for only $100 to bowl. The event provides great exposure for your business and great publicity all while supporting a great charity through a full tax-deductible donation. By participating as a sponsor, you and

your business will benefit from exposure through media campaigns and promotional efforts directed toward the supporters of BBBSMMC. We have a number of sponsorship levels and you can select the one that best meets your needs and be certain that your support will not only benefit your company but children in your community. E-mail vin.gopal.2008@gmail.com for more information.

more people they can sponsor to travel for free. This way, everybody wins; the cancer fighters get a break, the sponsors get great exposure at the events, and the people that choose to cruise, will get a phenomenal group rate. “Our goal is simple, to fill the ship with cancer fighter and survivors, their friends, family and supporters – and celebrate life,� Friedli concluded. Kick Cancer Overboard was chosen as one of 25 charities supported by the NJ Marathon. Runners can log onto www.njmarathon.org), commit to running for Kick Cancer Overboard (at a reduced rate!) and directly sponsor a person to sail for free! “If you give $1000 to a charity�, Friedli

reasons, “too often you really don’t know what happens with that money. For $879 you can sponsor a cancer fighter, get to know and truly make a difference in that person’s life! Or you can sponsor a whole family or just come to our next fundraiser for $15. Either way, we appreciate everybody’s support!� The next KCO event (and last one before the cruise) is scheduled for 3/1/11 at 630pm at the Middletown Arts Center. It will be a combination Expo, Networking and Tropical Fashion Show. For more information on sponsorships and the upcoming event, please go to www.kickcanceroverboard.org or call 800 392 3588.

BBBS PROFILE Jared DeVincenzo and Aaron Big Brother Jared DeVincenzo recently said that he couldn’t believe he and his Little Brother Aaron have been together for almost four years now. Jared, who lives in Atlantic Highlands, had always wanted to give back in some way and being from a family of educators, he enjoys children. Jared never had a younger brother but now he has a Little Brother through the BBBS program. Jared and Aaron have gone to the movies, to a Nets game, Blue Claws games, played soccer, basketball and football at local parks and just enjoyed time together. When they aren’t able to get together in per-

son, Aaron said they email or talk on the phone to catch up on what’s going on in each other’s lives. In just four to six hours per month you can make a big difference in a child’s life. To find out how to become a volunteer mentor visit www.bbbsmmc.org or call 732-5442224. Big Brothers Big Sisters of Monmouth & Middlesex Counties is a donor supported volunteer agency that is currently serving over 400 children through one-to-one mentoring. The agency has over 40 children waiting to be matched with a caring Big Brother of Sister.

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March 2011

PET CORNER Where’s Moose? Pet owners: Think ‘green’ this St. Patrick’s Day By JO SCHLOEDER Columnist On St. Patrick’s Day, we seem to be surrounded by green edibles green bagels, green cabbage, green eggs, even green beer. But green doesn’t just have to refer to color—it can also refer to how naturally products are made. The makers of Nylabone®, the leader in responsible pet care for over 50 years®, want to remind pet owners they can “think green” this St. Patty’s Day by giving their pets natural, “green” foods and chews like Nylabone’s great tasting Happy-Time Edible Chews. Made in the USA, long-lasting Happy Time Edible Chews are made with real chicken and no added sugar, salt or artificial floors. These natural, edible chews keep dogs busy and help prevent destructive chewing while allowing pet parents to give their dogs a natural, healthful product. Also check out Nylabone’s Healthy

Living Dog Chews, which contain green ingredients like CoQ10, chlorophyll, pomegranate, pumpkin, flaxseed, and other yummy natural components. They are great sources of fiber and natural antioxidants and also promote good dental health. And don’t forget: though all those green human foods may look festive, they can make Fido very sick. Keep pets away from people foods all year long, and especially food that’s been colored green with food dye. The same goes for green beer. Alcohol of any kind is bad for pets, and the green stuff is just asking for trouble. One more word about going green: Many shelters take donations of used bedding, towels and pillows. Before throwing these items away, check with your local shelter to see if you can recycle your used linens to line the bed of a shelter animal.

Adorable Adoptables Moose Moore has gotten free and is roaming around the Bayshore area. Do you recognize where Moose is? Help us find Moose by emailing his location to pets@mycommunitypublications.com. Please put “Where’s Moose?” in the subject line. Everyone who responds will receive a “Where’s Moose Moore?” Tshirt, courtesy of Community Publications and Market ME Printing in Hazlet. One random correct response will also receive a special prize. This month, the prize is candy and a $25 gift certificate to Suzi’s Sweet Shoppe (see ad on Page 25). Clues can be found on the Facebook pages of Community Publications and Moose Moore.

Last month:

The grand prize winner, John McCarthy, knew that Moose was standing at the Keyport Waterfront.

JACK & JILL are brother and sister Chihuahua mixes who were originally found together as strays. They were adopted and sadly their guardian passed away. Jack & Jill are 2 years old. They are an adorable duo, and need to go to their new home together.

KONA & NALU are brother and sister gorgeous "teenagers" who were adopted as very young kittens. Their mom is no longer able to care for them. Kona and Nalu are now 8-month-old playful, loving, cuddly, and frisky kitties who will give any new family tons of happiness.

If you are interested in adopting any of our adorable animals, please call the Homeward Bound Adoption Center on 732-542-5962.


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ATLANTIC HIGHLANDS The Jewel of the Bayshore!

Farmer’s Market

3rd Annual Car Show

Fridays starting May 6th

Saturday, June 4th

12 noon to 6:00pm Veterans’ Park, First Avenue

11:00am to 5:00pm First Avenue & Veterans’ Park

Greetings from the Bayshore community of Atlantic Highlands! I would personally like to thank Vin Gopal and Cliff Moore, publishers of the Community Messenger, for designing this publication as a public forum for the Atlantic Highlands Chamber of Commerce and surrounding community. Please revisit the Community Messenger on a monthly basis to find out what is happening in your backyard! When was the last time you visited Atlantic Highlands? Several positive changes have taken place here at the Bayshore in the past couple years. Great new restaurants, services, beautification projects, the installation of new town events have been designed for you, our community. One week ago, we welcomed a new business to the First Avenue business district, Hudson Cafe featuring breakfast and lunch. Visit them online at www.TheHudsonCafe.com. Philly’s also opened it’s doors on West Avenue

in Atlantic Highlands specializing in sandwiches and cheese steaks. A ribbon-cutting ceremony was performed by Mayor Rast on Friday, February 11th and complimentary lunch was served to the public. The 4th annual Atlantic Highlands Farmers’ Market will make it’s season debut on Friday, May 6th at Veterans’ Park. The market is open from 12 noon to 6:00pm on First Avenue and will run through October 7th. Jersey Fresh vendors will be present along with several local farmers and organics. One of the largest farmers’ markets in Monmouth County, our market features gluten-free baked goods, flowers, plants, prepared foods, pickles, breads, nuts, chowder and handmade soaps. To participate in the market, sponsor the event or for more information, call 732.872.8711. The 3rd annual Atlantic Highlands Chamber of Commerce Car Show is all reved-up for Saturday, June 4th. Rain date: June 5th. First Avenue will be overflowing with vehicles of all makes and models. There will be judging for prizes, certificates of

appreciation and goodie bags for all entrants. Two areas of entertainment will host various local acts of dance and music. Automotive vendors and chamber businesses will fill Veterans’ Park with something for everyone! First Avenue restaurants and shops will offer car show specials for the day. Come early, stay late! Volunteers needed for various duties. For entry form and more information, contact ahcarshow@gmail.com and visit www.AtlanticHighlands. org. Looking forward to a great new beginning with the Community Messenger and you!

Chuck Lero

President Atlantic Highlands Chamber of Commerce

Visit us at www.AtlanticHighlands.org info@AtlanticHighlands.org | P.O. Box 141, Atlantic Highlands, NJ 07716 | 732.872.8711


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March 2011

AH grand opening

Business and local officals, including Atlantic Highlands Mayor Frederick Rast (third from right), recently celebrated the grand opening of Philly’s with a ribbon cutting.–Community Publications

CareOne at King James is proud to announce the launch of CareOne Next Step Home, a first of its kind specialized home preparation plan aimed at assisting patients and their families to achieve a safe and optimal discharge from the inpatient medical rehabilitation setting to home and community.

Home training focus areas include: • • • • • • • • •

Diagnosis Education Patient Safety Therapy Services Discharge Summary Packet Community Resource Directory Understanding “AfterDischarge Services” Therapeutic Day Passes Home Simulation Therapy Community Re-entry

To learn more about CareOne’s Next Step Home Program or any of the services offered in CareOne’s after-hospital-care recovery units, please contact the Admissions Office at 732.291.3400, CareOne at King James, 1040 State Highway 36, Atlantic Highlands, NJ 07716

Weichert, Realtors Agents of the Month Kevin Gore Top Listing Agent for January Robert “Bob” Levenson Top Sales Agent for January Gail Delia Top Producer for January RUMSON OFFICE 30 Ridge Road, Rumson, NJ 07760 Office: 732-747-8282

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KID’S CORNER

COLOR ME IN

O F H I B U L I W

R K I T T E N A L

A V I S L Q T C B

N P Z Q H E S R M

G I P I R J M G I

E F Z L E M O N L

B A L L E N F Y K

A P U P P Y J V D

T S E N A D N B X


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PUZZLES Across

2

2 Twin Lights __________. (10)

7

5 __________ Park is in Union Beach. (7) 1

8 The Highlands - Sea Bright Bridge was once a ________. (10) 9 __________ Creek is located in Belford. (7)

2

6

3

9 5 3 4 8 5 4 4 6 5 3 8 5 7 1 8 4

5

6

Down

7

8

3 The Bayshore Town that had the last drivein movie theater in NJ. (6)

9

10

4 Highlands is located on the __________ River. (10) 6 __________ Business Alliance (7) 7 _________ Lighthouse is located in Leonardo. (7)

Puzzle answers on Page 34

2 1 6 2

4

10 Hazlet was once known for its' abundant __________. (7)

1 Portions of Middletown Township and Raritan Township formed this borough. (9)

5

F L S U R F I N G M A U M

I R E S T A U R A N T S A

S R P Y O R U R F U L E R

H Z T H S N A E X T A M K

I I S W D U S F X L N V E

N S B O A T H Q F I T P T

G J I A I W F J O I I L S

W N A V E S I N K G C A D

T V A C A T I O N H G Z W

O L P S D M M A R I N A S

S A I L I N G W Z I Z S Z

C O N C E R T S K C Q Y P

O C E A N V N S U M M E R


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Winter session of Real Results is well underway at Eastpointe By REBECCA KOPP Special to the Community Messenger Snow, ice and bad weather has not stopped this group of Real Results participants from getting involved in the program! The session had a delayed start due to Mother Nature, but on January 19, seventeen members began their journey to health. This session of the all-inclusive health program runs for eight weeks and participants are well on their way to making positive changes. Real Results participants have been working with Eastpointe Health and Fitness trainers receiving the benefits of customized one-on-one and group training, as well as nutritional counseling, weekly motivational meetings and lectures, all designed to help each individual achieve personal goals and lifestyle changes. The program’s track record has shown that it does work. First started in 2005, the program is run three times throughout the year and focuses not only on weight loss but on improving overall health through balanced nutrition and exercise. As a result of this approach, participants see a reduction in other health indicators

such as body measurements and body fat. The average weight loss over the 8-week period is 12 pounds for each person successfully completing the program. Since the program’s inception, over 250 participants have taken the journey. Many of these members have gone on to maintain their results; some even join subsequent programs to continue their momentum. The goals of this group vary greatly and range from improving overall health and stamina to increasing energy levels to losing weight. So what is in store for participants over the next several weeks? Trainers are currently working with them in several teams where they receive the benefits of customized personal training. They are also attending ongoing nutritional counseling, discussion group sessions, weekly motivational meetings and lectures all designed to help each individual achieve personal goals and lifestyle changes. “Past and current Real Results participants have said that what makes this program different from other programs is the amount of support and encouragement they received,” Kim Garrity, nutritionist and program administrator, said. “They really feel like they are part of a group and

that makes all the difference for them.” If you would like to keep track of the group’s progress, you can do so via the nutrition blog on our website www.EastpointeHealthandFitness.com. You can see weekly status updates from the program. It is never too late to begin! Just because you missed the start of the January session does not mean you have to wait for the next session to begin. Individual nutrition plans and customized training programs are available now

and can set the foundation for the next program in April. Interested? Want to get started? Register for your free consultation by going on our website and submitting an inquiry on the nutrition page or giving us a call. For a full description of the Real Results program including future dates and a complete list of what is included, again, call Eastpointe at 732-872-6595 or visit our website, www.EastpointeHealthandFitness.com.


30 Community Messenger

March 2011

OPINION The truth about alarm system installers Safety and security done by well-known large around your house is a major companies. Often they have problem. In order to protect their own central station. A yourself, you should have an central station monitors ongoing relationship with the alarms 24 hours per day. police department. You However, when they should advise them of any come to your home, you find potential threat level or probout that the $199 only prolems that may exist in your vides one or two magnetic life that could cause your contacts on doors plus a keyhouse or your family to be pad. In addition, they try to targeted. sell you 24-hour monitoring A good example of someof your alarm system for thing you should let your hundreds of dollars per year. By local police department They try to lock you into a FREDERICK RAST know of is if you are the six- or ten-year monitoring owner or senior manager of a company and service contract. They will also use the you have recently had major layoffs or you $199 gimmick to get a sales visit, who then had to fire individuals that were extremely will talk you into buying a good quality sysagitated or threatening. Another example tem for thousands of dollars. would be if you are a noted entertainment The problem with all of this is, if an figure living “very low-key,” with only a alarm installer has his own central station, few people knowing who you are in town, it is costing him little for someone to monyour police department should know who itor, other than the operation of that central you are and exactly where you live. stations. Considering that a large alarm Other examples are: If you have a fine company might have thousands of cusart collection, a large weapon collection or tomers, that yearly monitoring fee is a large things that would be attractive to criminals windfall for their company. If an alarm inand make your house or your family a po- staller from a smaller company does not tential target for theft or armed robbery, you have their own monitoring station, they should be in contact with the police depart- have to pay approximately $100 per year ment. Your police department will keep only, per client to that central station. everything very confidential, but will keep As an example, if they sell you a contract a closer eye on you, your family and your for $399 a year to monitor, they receive home. $299 for doing nothing other than having Also, the police department should be you sign up. Multiply that by hundreds or notified if you are planning to go on vaca- thousands of customers, and that’s a signiftion so they can be more diligent in their icant windfall for them. If a large company spot patrols of your home. Most police de- has its own monitoring station, all that you partments have a system in place, which al- pay goes to them. Take just 200 customers lows them to come and check your house, (which is a very small number), multiply doors and property while you are away. that by $399 per year, multiply that by a They generate a report each time it is done. locked-in, six-year contract and the comAnother consideration is if you are a pany is taking in $478,800. Most alarm inhigh-profile individual and you have your stallers have a thousand or more monitoring own private security, either bodyguards or customers. What you find when the alarm drivers that pick you up at your home. Be company representative comes to your sure to let the police department know that house to sell you a $199 system is that such this is authorized. In the event a patrol iden- a system will not truly protect your home tifies a strange person sitting outside your or family. home, they should know in advance that it They will also tell you that in addition to could be your driver or bodyguard, espe- your burglar alarm, you should have a fire cially in the early morning hours. alarm, which is true. Keep in mind that a One thing you can do to protect yourself good quality alarm system, installed by an and your family at home is to install an experienced alarm installer, will cost you alarm system in your house. Unfortunately, between $1,500 and $3,000 for an averagethe alarm business is filled with a lot of peo- sized house, depending on the extras you ple who will take advantage of those who want. For that sum, you “own the equipdon’t understand alarm systems. You see ment” that is installed in your home. A gimmick advertisements; “$199 to alarm good quality alarm installer will provide a your house” as an example. Often this is guarantee to support the equipment that he

Safe and Sound

installs for a 1-2 year period of time. A good alarm system does not have false alarms. A good alarm system allows you to have a perimeter protection system, with a back-up interior system and panic devices. You should be able to sleep at night with your alarm system on. If you like to sleep with your windows open, your alarm installer can position the windows to permit the windows to be partially open with the alarm system in the armed mode. They will ensure that a panic system is installed in the house for medical emergencies or a home invasion. The panic system should be included in all modern alarm systems at no or very little extra cost. However, you may pay a small amount for the extra portable panic devices. Any good alarm company is going to include fire protection in your system in addition to burglar protection for the same cost. Currently, the newer alarm systems have available at a reasonably low extra cost a backup cell phone, which can be installed in your attic. This protects you in the event someone cuts your telephone lines or if there was a major storm and the telephone lines were down in the area. It allows the signal to go out wirelessly. One thing that you should consider is that a good quality alarm company will send a qualified technician, not someone who was a used car salesman “last month.” A good alarm installer will survey your home at no cost and make recommendations that would best protect your particular home. All of this done free of charge. There are many do’s and don’ts in creating an alarm system. Years ago, people were afraid about putting motion detectors in their homes because they had pets that caused false alarms. Current “motion de-

tectors” are passive infrared devices. Not only does movement set them off, but it also has to be movement with a change of temperature simultaneously. Temperature changes within a room will occur based on the mass of the person or animal that is moving within the room. This means that if you had a large German shepherd, his body temperature and his movement may make it impossible for you to have motion detector in an area with a large dog roaming unlimited through the house. However, if you had a small dog or cat, a good motion detector would not be activated by this animal because their body mass and their temperature will not normally set off the alarm. Many people have told me when I have done surveys of their homes that birds set off their motion detector. Modern motion detectors will not have that occur. A way to compensate if you have large animal in your house, yet want additional motion detector protection is to, during the survey, find the most vulnerable spots for criminal entry and barricade the entranceway so your large dog will not have access to that most vulnerable spot. I would like to remind all of you to keep your police department informed. Let them know that you have an alarm system in the house. Let them know if you have private security. Let them know if you’re going away for any length of time or have any special concerns or threat levels. In future columns, I will address other security considerations on how to protect your home. We will discuss shrubbery, lighting, landscaping and many other things that will help protect your home and family. Frederick Rast is a business owner and mayor in Atlantic Highlands.


March 2011

Community Messenger

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32 Community Messenger

March 2011

OPINION The hidden dangers of gifting under the Tax Act This past December, the fedwould have to pay the gift tax, eral government enacted the Tax not the recipient of the gift. Relief, Unemployment Insurance In addition to the Reauthorization and Job Cre$1,000,000 gift, a taxpayer ation Act of 2010 (the “Tax can make the annual excluAct”). In part, the Tax Act sion gift to an unlimited numchanged the laws governing the ber of individuals without federal estate and gift tax system. reducing his $1,000,000 lifeToday, I wanted to write about time credit. For instance, Mr. the changes the Tax Act brought Smith could gift $13,000 each to the federal gift tax system and and every year to an unlimited about the interplay of the gift tax number of people without relaws and the Medicaid asset ducing his $1,000,000 lifetransfer rules. time credit. Individuals with whom I meet If Mr. Smith gifted more By are always confused about the JOHN CALLINAN than $13,000 to any one perfederal gift tax. Most people beson, the amount that was lieve they can only gift $13,000 a year. Peo- gifted over $13,000 would reduce his ple seem to believe they will pay a tax of $1,000,000 credit proportionately. So, for some sort on the amount they gift over the instance, if Mr. Smith had gifted $23,000 to annual exclusion amount. his son, Mr. Smith’s lifetime credit against I have always told clients that this belief gift tax would have been reduced from is incorrect. The fact of the matter is, prior $1,000,000 to $990,000. to the passage of the Tax Act, each person The Tax Act did not change the annual had a $1,000,000 lifetime credit against gift exclusion amount. The Tax Act did not tax, meaning that a person could gift change the impact of gifting more than the $1,000,000 before he would have to pay gift annual exclusion amount to any one person. tax. And it is the maker of the gift who What the Tax Act did change, however, is

Legally Speaking

MICHAEL J. CUNNINGHAM, M.D. Orthopaedic Surgery and Sports Medicine Certified by American Board of Orthopaedic Surgery Sports Medicine sub-specialty certification

Two locations:

733 North Beers Street, Suite L3 Holmdel, NJ 07733 ~and~ 53 Main Street Sayreville, NJ 08872

Phone : 732-264-5454 www.CunninghamOrtho.com drmike@CunninghamOrtho.com

the amount of the lifetime credit. The Tax Act increased the lifetime credit amount from $1,000,000 to $5,000,000. Obviously, for most of us, being able to gift $5,000,000 is simply a dream because we’d have to have $5,000,000 to give away. And how much money would you have to have before you wanted to give away $5,000,000? After the passage of the Tax Act, I think it is safe to say that for most Americans, the fear of paying gift tax is a non-issue. Most of us could give away every asset we own without the fear of ever having to pay gift tax. Moreover, if you are married, you and your wife can each give away $5,000,000 without paying gift tax. So, a married couple can gift $10,000,000 without paying gift tax. But how do the gift tax rules interplay with the Medicaid asset transfer rules? In other words, can a person gift $13,000 a year without fear that the gifts will affect his eligibility for Medicaid? Medicaid is a health insurance program for needy individuals. Unlike most health insurance, though, Medicaid pays for long-

term care costs, such as nursing home care, assisted living care, or home health aides. Since Medicaid is only available to needy individuals, Medicaid punishes those individuals who give away money within a fiveyear period of time prior to apply for benefits by making those individuals ineligible for Medicaid benefits. Gift tax rules have nothing to do with Medicaid asset transfer rules. While a person can make $13,000 a year gifts to an unlimited number of individuals, each of those gifts made within the five-year period prior to applying for Medicaid benefits will count against the individual and cause him to be ineligible for Medicaid. The bottom line is, if you’re rich, feel free to make a gift. If you’re like most of us, those gifts could come back to haunt you. John W. Callinan is a certified elder law attorney (as certified by the National Elder Law Foundation, accredited by the American Bar Association). John has offices in Wall Twsp., Middletown, and Jamesburg. He can be reached at 732-706-8008 or johncallinan@ optonline.net.


March 2011

Community Messenger

33

OPINION Looking for income? Consider premium bonds Financial Focus

As an investor, you want your money to grow so that you can achieve your important goals, such as a comfortable retirement or college for your children. But you may also invest to inBy crease your cash PATRICK CHANOD flow. In fact, without a strong cash flow, you may be forced to dip into your growth-oriented investments to pay for short-term needs — and if you do this repeatedly, you could damage your prospects for attaining your long-term goals. That’s why you’ll want to look at different ways of boosting your cash flow — one of which may be premium bonds. To understand the nature of premium

bonds, you’ll first want to be familiar with the relationship between a bond’s price and its interest rate. When a bond is issued, it sells for face (“par�) value, which is the amount returned to the bondholder when the bond matures. This bond also comes with a “coupon� rate — the interest rate that the bond will pay throughout its lifetime. So, for example, if you paid $10,000 for a 10-year bond with a coupon rate of five percent, you would earn $500 per year, every year. If you held the bond until it matured, you’d also get your $10,000 back, provided the issuer doesn’t default. But if market interest rates move up to six percent, and you wanted to sell your fivepercent bond before it matures, you’d have to offer it at a discount from the $10,000face value. Conversely, if market rates were to fall to four percent, you may be able to sell your $10,000 bond for more than its face value, because investors will be willing to pay a premium to earn the higher interest rate.

Now, let’s flip the equation, so that instead of being a bond seller, you’re a buyer. If you want to increase your investment income, you might be interested in a premium bond. You pay a premium for the bond in return for higher interest payments for the life of the bond, and, if you hold it until maturity, you’ll still get the face value back (again barring a default). Furthermore, because premium bonds pay higher interest, they also pay a greater proportion of their cash flow before they mature, in comparison to discounted or “par� bonds. This helps provide for greater price stability, so if interest rates rise or fall, premium bond prices typically will not decrease or increase as much as those of discount or par bonds. Keep in mind that while premium bonds are attractive to you because of their higher interest rate, they are unattractive to bond issuers for the same reason. In fact, when market interest rates fall, some issuers may try to redeem (“call�) these bonds so that they can issue new ones at

the lower rates. Obviously, if your premium bond were to be called, your cash flow might take a hit. That’s why, when investing in premium bonds, you might want to look for those that have at least limited call protection — in other words, they can’t be redeemed for a certain number of years. Your portfolio should comprise a number of different investments designed to work together to meet your long-term financial goals. So give premium bonds some consideration as part of a well-diversified portfolio. Before investing in bonds you should understand the risks involved, including interest rate risk,credit risk and market risk. Patrick Chanod is a financial advisor with Edward Jones, in Middletown. He is also the president of the Northern Monmouth Chamber of Commerce. He can be reached via e-mail at Patrick.Chanod@ edwardjones.com or via phone at (732) 275-1201.

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34 Community Messenger

March 2011

YOUR SAY What’s your lucky charm? “Luke O'Malley.” – Sandy O’Malley

“My kids.” – Jenny Cervantes

“My family, because without their support all the time I don't think I could be able to do as much as I do and have such a good life.” – Rebecca Kane Highlands

“I don't think a specific object can bring you luck. Luck is luck. You're lucky if you get it.” – Raul Cruz Highlands

“Rabbit’s foot.” – Bob Adamec Highlands

“Trinity Knot, both religious and Irish.” – Kathy Guerin

“Freckles the dog.” – Sherry Ruby Adamec Highlands

“Gatsby, my cat.” – Gloria Miller Highlands

PUZZLE ANSWERS Puzzles on Page 26-27 O F H I B U L I W

R K I T T E N A L

A V I S L Q T C B

N P Z Q H E S R M

G I P I R J M G I

E F Z L E M O N L

B A L L E N F Y K

A P U P P Y J V D

T S E N A D N B X

F L S U R F I N G M A U M

I R E S T A U R A N T S A

S R P Y O R U R F U L E R

H Z T H S N A E X T A M K

I I S W D U S F X L N V E

N S B O A T H Q F I T P T

G J I A I W F J O I I L S

W N A V E S I N K G C A D

T V A C A T I O N H G Z W

O L P S D M M A R I N A S

S A I L I N G W Z I Z S Z

C O N C E R T S K C Q Y P

O C E A N V N S U M M E R

2 6 3 1 8 5 4 9 7

4 9 8 3 6 7 2 5 1

7 1 5 2 9 4 6 8 3

3 8 6 4 1 2 5 7 9

1 7 4 9 5 6 3 2 8

9 5 2 7 3 8 1 4 6

5 3 1 8 4 9 7 6 2

6 2 9 5 7 1 8 3 4

8 4 7 6 2 3 9 1 5

K L I E A N S S C H O B R U E D R A W B G S B U F A R M Y

G H T H O U S E A Z L L E R T K C R I D G E O Y N C O M P T O N O V I N G R E T R


March 2011

Community Messenger

35

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Beltran Flooring Sales & Installation

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A Professional Corporation 732-888-4400

Mattress & Furniture Factory II 732-217-3580


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