2023-03-25 - The Howell Times

Page 9

Women’s Club Celebrates History During March

Howell Schools Lose $1.7M In State Aid

HOWELL – The Howell Township K-8 School District is one of several schools in Monmouth County to receive a reduction in state aid for the 2023-24 school year.

According to the NJ Department of Education, the total state aid for Howell School District is $20,601,309, down $1,740,923 or a 7.79 percent decrease. In 2022-2023, Howell received $22,342,232 in total state aid, which was a $2.8 million reduction from the previous year.

Compared to other school districts in the County, the decrease was not the worst. Freehold Regional, which is home to Howell High School, received $23,786,497 in state aid. That is a $6,763,723 cut from the previous school year; a 22.14 percent decrease.

HOWELL – With March being Women’s History Month, this time is being celebrated by one group in town that has a vested interest in the topic.

Marking the social significance of the month, the Howell Women’s Club held their monthly meeting recently with guest speaker Kathleen Doty, who holds the esteemed position of Vice President of the New Jersey State Federation of Women’s Clubs

The early incarnation of the Women’s Club found its genesis in 1963 as the Candlewood Garden Club, and operated independently for 10 years before joining the Federation in 1973. As such, 2023 marks its fi ftieth year as a member, although it has only been known as the Howell Women’s Club since 1983. As part of (Women’s Club - See Page 3)

Why Was ere So Li le Snow At e Shore?

JERSEY SHORE – Do any of you remember the massive snowman contest more than two weeks ago at the beach?

No, of course you don’t. It’s because we’ve barely had any snow this winter – not enough to even build a single snowman. And with the winter months now passed, an important question is being raised again. Why was there so little snow at the shore?

Luckily enough, there is an answer

to that question, and it doesn’t exactly involve climate change, a term many believe taboo.

While our neighbors from Northern Jersey got more than five inches of snow on a couple of occasions this winter, here by the Shore we got the occasional flurries, around an inch of snow, and a whole lot of rain that used to be snow.

According to the New Jersey State Climatologist at Rutgers University, Dr. Dave Robinson, the reason for the

lack of snowfall by the Shore can be attributed to the atmospheric pattern that has been prevalent for the past two to three months.

This pattern has favored a storm track that follows the demarcation between polar air to the north and west, and subtropical (warmer) air to the south and the east. That demarcation line is also referred to as the jet stream. Storms tend to follow the path of the jet stream.

(Snow - See Page 2)

Other school districts in Monmouth County saw a significant increase in state aid, such as Holmdel Township with a 15.15 percent increase and Matawan-Aberdeen Region School District with a 10.14 percent increase. Despite its negative impact on many schools, Governor Phil Murphy and Acting Education Commissioner Angelica Allen-McMillan praised the funding figures, unveiling the $20.5 billion budget for education.

According to the Governor’s Office, the proposed budget will provide “historic levels of school aid, with an increase in $1 billion over the prior year for a total of $20.5 billion in school funding.”

This budgeted amount includes pre-K funding, pension and benefits funding for school staff, and an increase in $832 million in total K-12 formula aid, the Governor’s Office stated.

The state determines its distribution of education aid through a funding formula passed in 2018 called S-2. Although the goal of S-2 is to restore funding to districts that are underfunded, the bill has become quite controversial for doing the opposite for local districts.

For the 2023-24 school year, state figures show more than 400 New Jersey school districts will receive increased state funding. However, 157 will see a decrease.

(State Aid - See Page 2)

March 25, 2023 JERSEYSHOREONLINE.COM MICROMEDIA PUBLICATIONS Vol. 20 - No. 42 Times HOWELL e In This Week’s Edition BREAKING NEWS @ jerseyshoreonline.com Inside The Law Page 14 Community News Pages 6-7 Classifieds Page 13 Dear Pharmacist Page 11 TO ADVERTISE, CALL 732-657-7344 EXT. 206
–Photo by Mark Bator Kathleen Doty addresses the group regarding the many charitable contributions of the Women’s Clubs in New Jersey. (NJSFWC) for the Shore District.

Snow:

Continued From Page 1

“When those storms track along the jet stream, the wind blows counter-clockwise around them,” said Robinson. “And if it’s to the west it brings warm air as the storm comes through.”

According to him, our area often fell on the warm side of the storms making it not cold enough to snow, thus creating

a pattern.

In order for the shore to be blessed by a snowstorm, the storm has to travel to the east to cause the counter-clockwise rotation to bring northern cold winds into the area. Those northern winds meet with the moisture of the nearby storm and create a snowstorm.

“That’s what you need along the coast in particular,” he said. “Because it keeps the wind’s direction from blowing off

the water. Once that wind turns off to the water, coastal New Jersey tends to almost always go over to rain.”

While the atmospheric pattern can be pinned as the main reason for the lack of snowfall this winter, the pattern of climate change also has an effect.

According to Robinson, the overall global warming pattern is amplified in the shore and coastal areas. This pattern is likely tied to the ocean’s warming in

the mid-Atlantic and the northeast.

“We can be so influenced by conditions offshore,” he said. “We think that some of it is just a shift of wide-spread long-term patterns of circulation in the atmosphere but amplified of the fact the ocean waters at our coast are getting warmer.”

As for the possibility of snow becoming extinct in New Jersey, and especially by the shore, Robinson urges people to not give up on snow.

“We are a long way from seeing snow disappear in New Jersey,” he said.

State Aid:

Continued From Page 1

At the time of publication, the Howell Township K-8 School District made no comments on the state aid cuts. Freehold Regional Superintendent Dr. Charles Sampson put out a video message stating that the district was caught off guard with the $6.7 million reduction.

“We are the lowest per pupil spending in Monmouth County… we spend less than every other district per pupil in the County,” Sampson said. “We have now, at this time, been slashed $28 million if something doesn’t change in terms of our state aid… We believe it’s irresponsible post pandemic to cut this aid from the district.”

Casual Birder

HOWELL – Join a Park System Naturalist for these laid-back morning bird walks on May 23 at 9 a.m. at the Manasquan Reservoir.

We’ll meander through the parks for about an hour and a half to see what birds we can find. No need to be an expert at identifying birds to enjoy these walks. A limited number of binoculars will be available to borrow if needed. Participants should expect to be walking a few miles (2 to 4) on sometimes uneven or muddy terrain. We will go even with light rain or snow so please come dressed for the weather with appropriate footwear. Meet in the Visitor Center parking area.

Page 2, The Howell Times, March 25, 2023 jerseyshoreonline.com

Women’s Club:

Continued

From Page 1

the evening’s proceedings, Doty presented the club with a letter from NJSFWC President Shirley Holly and International President Deborah Strahanoski, along with a Fiftieth Anniversary Certificate.

“We do so much,” said Doty regarding the need to honor the milestones of local women’s clubs. “You have your mothers, you have your workers, you have those that belong to organizations to help those in need. You need to have some type of recognition, at least, to keep going and know that you’re appreciated.”

The group currently has 23 members, and while many of the projects they work on are centered around Howell, recruitment is open to individuals who are not necessarily residents of the Township. The current club president is Kelly Cunningham with Margaret Vallaire serving as vice president. The group assembles for their meetings on the second Tuesday of each month at the Tauton School in Howell.

The month of March, along with the recent International Women’s Day on March 8, marks the contribution of women throughout history, as well as highlighting current individuals who are making a difference in the world.

“That women can be recognized as a person,” said Doty about the importance of Women’s History Month, “and [how they’re] giving back to the community. But as a woman, whether you’re in the military or civilian, you just want to have some

recognition, and just having [Women’s History Month], it is an honor to all of us.”

The NJSFWC is currently the largest volunteer women’s service organization in the state, and is an associated member of the larger General Federation of Women’s Clubs. While one of their main interests is to provide women with assistance in education, the group has strong in-roads with the township, and is well-known for being advocates and participants in a large variety of community services and activities.

The Federation has a series of member districts around the state but all are involved with the greater cause of working together to improve the lives of others. Among the most significant contributions of the women’s clubs was their key involvement in the founding of the New Jersey College for Women in 1918. Five years of hard work and dedication by the New Jersey Federation of Women’s Clubs led by Mabel Smith Douglass, fi nally saw the vision come to light. Today, as Douglass College, the institution bears the name of this bold New Jersey women’s advocate.

The talk given by Doty focused on the history of Women’s Clubs and the achievements and progress that they have fostered.

Among other civic concerns, the state’s Women’s Clubs encourage education. The Howell Women’s Club offers the Maryann Gambino Memorial Scholarship to one deserving young woman each year from the Freehold Regional High School District. In addition, the Girl’s Career Institute (GCI) gives students a chance to experience a

small slice of college life on the Douglass Campus of Rutgers.

Through various programs, Women’s Clubs can help get professional counseling to those who are in need, as well as collect and distribute groceries, toys, household items, clothing and even gifts for families who are in economic distress. They participate with Meals on Wheels for senior citizens, and even assist with emergency fi nancial aid, by paying rent or utility bills.

Doty also pointed out this year’s special state project, namely, their partnership with the Emmanuel Cancer Foundation (ECF) which assists families in New Jersey with youngsters that are facing difficulty from the disease. The ECF can provide professional in-home counseling, and to

date, has assisted over 2,000 families. Projects change every few years, but in the past, Women’s Clubs in the Garden State have raised money for the Valerie Fund, the Community Food Bank of New Jersey, Canine Companions for Independence as well as domestic violence shelters in the state.

Upcoming events for the Howell Women’s Club includes District Arts Performing Day on March 27, Civic Engagement and Outreach Day on March 28, Achievement Day on April 17 and their Spring Conference Luncheon at the Lobster Shanty in Point Pleasant on April 18. The group is always welcoming new members, and interested individuals may call the club at 732-773-3692, or visit their Facebook page.

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OPINIONS & COMMENTARY

One Day, You’ll Be Sick

The one thing that unites us all is that eventually our bodies are going to stop working the way they should. For some, it’s quick, like my friend who died in her sleep last week at 44 of unknown causes (as of this writing). For some lucky enough to make it to old age, you’re going to get sick at some point.

I have a friend who is in an extended care situation for a psychological issue. I have two acquaintances who went legally blind before they turned 40. I’m hearing more and more about people with long COVID. People are getting disabled by all these things.

My father, who just turned 80, has managed through some medical things - some big, some small. He’s the only person I know who has had three hip replacements. My mother, who is 77, hasn’t slowed down.

Ciba Geigy Should Never Have Happened

I have lived in Toms River my entire life. My family has lived here for generations, and several family members including my grandfather and 3 uncles worked at the Ciba Geigy Chemical plant and felt its impacts years

They are lucky, and I’m lucky. But eventually, there’s going to be something.

Something always comes for us. Which is why I don’t understand America’s attitude about illness. If a child gets cancer, everyone says “that’s sad” and maybe donates a few bucks toward a charity for the family.

But we refuse to change our health care system to make it any better for families who are already going through hell.

A significant illness will deplete a family’s fi nances. They spend tens of thousands or even hundreds of thousands of dollars to try to get by. Children in the family have no money waiting for them when they become adults. This means that the impact of a single disease is generational. It might be decades before a family is able to come back from the poverty that a single disease causes.

Some are born with special

needs. They will always rely on someone to take care of them. They will always need more doctors, medicine, therapy, etc.

So if the one thing we have in common is eventual illness, how come we created a society that penalizes you for being sick?

People are looked down on for being poor. All it takes is one twist of fate, one chromosome out of alignment, or one cell to mutate wrong and your entire savings is gone.

We are told to toughen up, don’t give in, don’t ask for help. Everyone is going to need help one day. Everyone.

My good friend who committed suicide 15 years ago certainly suffered from depression. If he had gotten help for it, maybe he’d be here today. It’s more common than anyone thinks. I have it, too, but I’m treating it. Psychological illnesses are so easy to hide. It’s because we blame people for

being “crazy.”

There are people who don’t call for ambulances because they are afraid of the cost. Some towns have free fi rst aid and they try to make it known to the public, but all it takes is one horror story about a thousand-dollar ride to a hospital and it makes someone think twice about calling 911. In the meantime, their delay might have cost them their life.

A few years back, I had a medical issue. I had to pay for the tests out of pocket, minus 20% copay. I think I wound up paying about $1,600 for results that didn’t fi nd anything. It made me stop getting tests. I can’t afford to find out what’s wrong with me. To this day, when the issue comes back, I have to just shrug and get through my day because I never learned what was malfunctioning and I’m sure I’m not the only one.

Trying to get better and keeping up with bills and

Letters To The Editor

later through severe health impacts such as brain cancer. One of my uncles would commonly say when asked, it was because he worked in what was referred to as “the bad building.” This should never have happened.

I grew up attending Manchester Township Schools, where my Environmental Science class went out to the Superfund Site

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to monitor the deer population. When students asked any questions relating to the history and current status of the site, our questions were avoided. In fact, we were told not to ask. This never should have happened either.

The proposed settlement has several elements, such as the park and nature center, that seem promising; however, we cannot greenwash the history of an environmental and public health disaster of national and historical significance.

The NJDEP should ensure that the narrative at such a nature center does not misrepresent the history of the site and community impacted, and the science of the superfund site’s remediation should be explained as a lesson in environmental health for future generations to come. The story told at the nature center should reflect the full truth in order to best honor the affected families.

Also, there should be an opportunity for community input along every step of the way

paperwork is sometimes its own full-time job. They don’t make it easy for us. Health insurance companies take care of themselves fi rst, and do the bare minimum to help. They pay their employees to tell us “no” when we ask for help. Think about it: A health care employee is paid (throwing numbers around) $50,000 a year in order to tell us we have to pay more because we didn’t reach our $15,000 deductible. It costs the insurance company less to hire a gatekeeper than to actually do its job and pay for our health care.

I know universal health care is a tough sell, and I’m not sold on it either, but I think we can all agree that something needs to be done in order to protect us when the inevitable happens.

That’s why I urge compassion for those who have health problems. They are just going through things that you haven’t hit you yet. Before you think someone

is weak for needing help, just realize that in less time than you think, you might require help from a nurse to use the bathroom.

Unless your death is sudden, you are going to get sick. You are going to be disabled. You are not going to be able to do what you used to do.

There should be plans in place for when the inevitable happens. This shouldn’t be a surprise. This is going to happen to each and every one of us.

If you got into a car crash tomorrow, and you became disabled, what would happen to your family? Would you still be able to do your job? Would you even be able to enter your home or your business if you were in a wheelchair?

What’s going to happen when you get sick?

involving the superfund site. The NJDEP and BASF must provide transparency as to the current status of the site; is it truly safe enough for our children to play on? Since remediation efforts began, the size of the toxic plume of contaminated groundwater has decreased but has not been fully resolved, despite claims otherwise. A risk assessment for the site should be updated, looking at realistic exposure scenarios if it is going to be used as recreational, and there should be opportunity for public input. This information should be made easily accessible to ensure all voices are included.

There was a total lack of transparency and inclusion of the public when it came to this settlement, and although we have the opportunity to speak (at a special hearing), it only came after demanding it. However, the latest five-year EPA review on the site is set to come out this May, but the new settlement deadline for comments is in April - the residents of Toms

River should have ample time to review the most recent science and status of the report before the comment period closes, and the NJDEP should further extend the deadline to July at minimum to ensure time to fully review the report.

Additionally, BASF is only on the hook at this site for 10 years yet the scars upon our landscape and community have spanned generations. BASF should be accountable for at least 100 years in order for regeneration to occur and to ensure due process is taken throughout restoration efforts. Climate resilience should also be factored into the long-term planning for the site to make sure that this landscape and natural resource not only recovers from past scars but is able to withstand future ecological changes as well.

Another Look At Rent Increases

After reading of the “greed” and “unconscionable” increases by landlords of manufactured communities “looking to cash in” and necessitating rent control, I figured I’d run the numbers provided. According to the quoted resident, Pine Ridge South rent went from $697 a month in Jan 2017 to $826 in Jan 2023. That’s an 18.5% increase over 7 years.

Looking at the numbers from the Bureau of Labor Statistics, general consumer inflation during this time period has run at 23%. So, the rental increases have been below inflation and, from what I understand, are inclusive of property tax increases! Not what I would expect after hearing words like “unconscionable” thrown around.

Page 4, The Howell Times, March 25, 2023 jerseyshoreonline.com
E DITORIAL
Whiting

Bill Would Let People Sue Chinese Communist Party For Its COVID-19 Misrepresentation

From The Desk Of Congressman Chris Smith

WASHINGTON, D.C. - Rep. Chris Smith (R-4th), Chair of the Congressional-Executive Commission on China, reintroduced legislation with Rep. Michael Burgess, MD (R-TX) to allow US citizens the right to sue the Chinese Communist Party (CCP) and hold the regime accountable for its large-scale misrepresentation campaign during the COVID-19 pandemic.

“Knowing that Xi Jinping and his Communist regime systematically failed to be truthful and transparent, our legislation seeks to not only gain access

to more information but also provide much-needed relief to the loved ones of those who died and others who have suffered severe economic loss during the pandemic,” said Smith, who has chaired over 80 congressional hearings on the CCP’s egregious human rights abuses.

“The Chinese Communist Party refusal to provide real time information killed Americans,” said Burgess. “The American people lost loved ones and suffered a multitude of losses during the Coronavirus pandemic. They deserve the ability to get answers from the CCP.”

“We must finally get to the truth about what happened and who was involved in this deception in order to bring justice to those who suffered profoundly from COVID-19,” Smith said.

The Smith-Burgess bill would waive the

Foreign Sovereign Immunities Act and allow United States citizens the right to sue the Chinese government for monetary damages, personal injury, death, or damage to or loss of property occurring in the U.S. as a result of the CCP’s willful or grossly negligent misrepresentation of information to the World Health Organization (WHO). It would also apply to other countries that provide misinformation to the WHO about the nature, seriousness or communicability of an infectious disease.

“Besides damages paid to those individuals who have endured so much pain and loss, our bill can bring discovery and the opportunity in court to ask probing questions that will hopefully lead to answers and help prevent this type of behavior in the future,” Smith said.

Last Congress, similar legislation authored by Smith - which he first introduced in April 2020 - was blocked on

a party-line vote by the Democrat-controlled Foreign Affairs Committee, marking the historic first recorded vote in the House of Representatives on the right to sue China for its lack of transparency over the COVID pandemic.

“Justice delayed is justice denied,” said Smith, who noted some of the deleterious consequences resulting from the CCP’s failure to be transparent about the COVID-19 crisis, including the enormous loss of life with close to 36,000 deaths in his home state of New Jersey; over 1.1 million across the country; and at least 6.8 million throughout the entire world.

The Smith-Burgess bill shares a parallel track with the Justice Against Sponsors of Terrorist Act (JASTA) - legislation enacted by Congress in 2016 over the veto of President Obama allowing the families of 9/11 victims to seek justice against Saudi Arabia for aiding and abetting the terrorists involved in the horrific attacks.

Bill Would Bring Back Regulations To Prevent Banks From Failing

back regulations put into place to prevent exactly the kind of bank failures we saw play out in recent days. We must now act to restore these protections to strengthen our banking system, safeguard our economy, and ensure that the hard-earned money of families and small businesses is better protected,” said Senator Booker.

to get this wrong and must act with the urgency this moment requires.”

Title IV of the Economic Growth, Regulatory Relief, and Consumer Protection Act raised the asset threshold at which a bank is considered and regulated as a “systemically important financial institution” to $250 billion, exempting SVB and other mid-sized

banks from regular stress testing and enhanced liquidity, risk management, and resolution plan, or “living will,” requirements. The lawmakers’ new bill would repeal these dangerous regulatory rollbacks, which invited banks to load up on risk and increase profits, and would restore critical Dodd-Frank protections.

WASHINGTON, D.C. – U.S. Senators Cory Booker and Bob Menendez (both D-N.J.) joined U.S. Senator Elizabeth Warren (D-MA), U.S. Representative Katie Porter (D-CA-47), and dozens of colleagues in both the Senate and House of Representatives to introduce the Secure Viable Banking Act, legislation that would repeal Title IV of the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 following the collapse of Silicon Valley Bank (SVB) and Signature Bank. Senators Booker and Menendez, both longtime consumer protection advocates, were outspoken about the dangers of passing the Economic Growth, Regulatory Relief, and Consumer Protection Act five years ago, which reduced critical oversight and capital requirements for large banks.

“Congress should have never rolled

“Five years ago, I stood on the Senate floor to warn my colleagues that only in Washington would anyone think it’s a good idea to mark the ten-year anniversary of the 2008-2009 financial crisis by passing S.2155, a bill that dared big banks to get bigger and increased risk to taxpayers,” said Senator Menendez. The Trump banking law rolled back ‘too big to fail’ rules and created conditions for collapse of Silicon Valley Bank. “After this weekend’s collapse of SVB and Signature, the world saw why it was misguided to pass S.2155, which rolled back critical Dodd-Frank regulations for banks like Silicon Valley Bank, including enhanced prudential standards and stress tests. We must immediately repeal Title IV of S.2155 to ensure that we restore needed oversight of these systemically important institutions that have the potential to wreck our economy and the livelihoods of American families. We cannot afford

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Easter Bunny Pancake Breakfast

per person and includes pancakes, sausage, scrambled eggs and a beverage. Walk-ins welcomed. Email scoutmom07731@gmail.com to purchase tickets or for more information.

Page 6, The Howell Times, March 25, 2023 jerseyshoreonline.com C OMMUNITY N EWS C LUB N EWS , A CTIVITIES , E VENTS & A NNOUNCEMENTS • Furniture • Appliances • Debris • Sheds • Pools • Decks • Garages & More - Licensed & Insured - Senior Discount - Same or Next Day Services 732-355-3315 Private indoor with oversized outdoor covered runs Supervised attention • 24-hour piped-in music Twice daily feedings & snacks • Special Kuranda pet beds Doggy playtime • Plus staff that loves your pets COME BOARD WITH US YOUR PET’S NEW HOME AWAY FROM HOME – CHECK US OUT! 1424 Maxim-Southard Road • Howell, NJ 07731 • Open 7 Days – Photo courtesy Freehold Regional School District HOWELL – Seniors in the IB Diploma Programme at Howell and Freehold Township High Schools had their art work on display at the Belmar Arts Center. The IB Programme’s visual arts course encourages students to challenge their own creative and cultural expectations and boundaries. The student artwork was fantastic! HOWELL – Howell BSA Troop 300 presents Easter Bunny Pancake Breakfast on March 26 from 8 to 10 a.m. at Applebee’s located at 4721 Rt. 9 North Howell. Let the scouts from Troop 300 serve you Students Artwork Displayed breakfast while you enjoy a visit with the Easter Bunny. Cost is $15
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Howell Hawks Win Championship

HOWELL – Congratulations to the 8th Grade Boys Howell Hawks Travel Basketball Team who closed out their time as Hawks as Champions! Amazing work and

Canvas & Cookies

HOWELL – Parent & Child Paint Class for grades 2nd through 5th. Offer on April 20 and May 4 from 6 to 8 p.m. at Alfred C. Sauer Park at Echo Lake.

Cost is $25 per person, $50 per pair. April 20

theme: Unicorns; May 4 theme: Star Wars. Register online at howellrec.org. For more information, contact Steven Fecher, Director of Community Relations at 732-938-4500 ext. 2106; sfecher@twp.howell.nj.us.

Opening Day Li le League Parade

HOWELL – Howell South Little League is looking for some car enthusiasts that would like to be a part of their Opening Day Little League Parade on April 1 at 8:30 a.m. Rally point: Quail Creek Mall parking lot,

2 Ramtown-Greenville Road. End point: Deerwood Park 2740 Allenwood-Lakewood Road.

If interested, contact howellsouthll@ gmail.com.

Howell Elks Easter Egg Hunt

HOWELL – You are invited to attend Howell Elks Easter Egg Hunt and Lunch with the Easter Bunny on April 8. Lunch to be served at 12 p.m. followed by

Easter egg hunt and photos with the Easter Bunny. For reservations contact Connie Cantwell at 732-259-9666 or cantwellconnie@yahoo.com.

Howell PAL Preschool Open House

HOWELL – The Howell PAL Preschool Open House is on March 31 from 6 to 8 p.m. Tour classrooms, meet staff, and learn about

pricing information. Preschool registration is now open for September. Howell PAL is located at 115 Kent Road, Howell.

Howell PAL eater Company

Presents: Peter Pan

HOWELL – Howell PAL Theater Company presents: Peter Pan. Auditions: June 5 through 9. Show dates: September 8 and 9 at the Strand Theater, Lakewood.

The Howell Times, March 25, 2023, Page 7 jerseyshoreonline.com
EWS C LUB N EWS , A CTIVITIES , E VENTS & A NNOUNCEMENTS FINANCING WITH 0% INTEREST - 0 PAYMENTS FOR 6 MONTHS! With this coupon. Not to be combined with other o ers. No substitutions. Exp. 3/31/23. (Plumbing NJ Lic #12136) With this coupon. Not to be combined with other o ers. No substitutions. Exp. 3/31/23. With this coupon. Not to be combined with other o ers. No substitutions. Exp. 3/31/23. How's the real estate market? Is now the time to sell? Call Mike for an in-depth local market analysis. Mike McIntosh, Realtor Associate M: (917) 627-4577 • O: (732) 367-1300 2340 Rt 9 S • Howell, NJ, 07731 michael.mcintosh@cbrealty.com themichaelmcintosh.com A liated real estate agents are independent contractor sales associates, not employees. ©2022 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned o ces which are owned by a subsidiary of Realogy Brokerage Group LLC and franchised o ces which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
C OMMUNITY N
– Photo courtesy Howell Happenings NJ great game play. The Hawks participate in the competitive Mid-Monmouth League facing teams from across Monmouth and Ocean counties.

PHOTO OF THE WEEK

Howell PAL Summer Youth Basketball

HOWELL – This summer program is a recreational league where we want the kids to come out and have fun playing the game of basketball. The league will run four weeks and is strictly games, no practices. Girls will play once a week on Mondays or Tuesdays in the evening at Oak Glen Park. Boys will play once a week either Tuesdays or Thursdays in the evening at Oak Glen Park. Each parent/participant will receive their team assignments and schedules by email. Game times will change starting as early as 6 p.m.

Volunteer coaches always needed! If you

are interested, please fill out the necessary information during registration. All coaches will be reimbursed for fi ngerprinting if they are asked to coach. Please do not request child to be put on a specific team unless children are siblings.

Please ensure you are signed up on the Eleyo system with your cell number listed and check off that you can receive SMS text messages. This will be the form of communication that is used for any cancellations of games, make ups, or location changes!

Please ensure to have the kids show up with a water bottle with their name on it. More information can be found at howellpall.org.

Page 8, The Howell Times, March 25, 2023 jerseyshoreonline.com Enhance Your Retirement Lifestyle! If you are 62 years of age or older and have sufficient home equity, you may be able to: • Pay o your existing mortgage2 • Pay o bills, loans or other debts • Access cash for unplanned expenses • Live in your home and maintain ownership2 • Increase monthly cash ow • Fund necessary home repairs A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a Federal Housing Administration (FHA)1 insured loan which enables you to access a portion of your home’s equity without having to make monthly mortgage payments.2 We are your local Reverse Mortgage Specialists and are happy to discuss the benefits and availability of a reverse mortgage with you, at convenience. Call the name you can trust for a FREE in-person consultation! James P. Anzano, President Glendenning Mortgage Corporation Office: 732-240-7227 • Cell: 908-330-1446 JAnzano@Glendenning.com • 81 E Water St, Toms River, NJ 08753 NMLS ID: 209792 • WWW.GLENDENNING.COM 800-354-8286 We are an independent lender based in Toms River, NJ and are not acting on behalf of the U.S. Department of HUD, FHA or the United States Government. [1] Federal Housing Administration (FHA) mortgage insurance premiums (MIP) will accrue on your loan balance. You will be charged an initial MIP at closing. The initial MIP will be 2% of the home value not to exceed $12,723. Over the life of the loan, you will be charged an annual MIP that equals .5% of the outstanding mortgage balance. [2] Your current mortgage, if any, must be paid o using the proceeds from your HECM loan. You must still live in the home as your primary residence, continue to pay required property taxes, homeowners insurance, and maintain the home according to FHA requirements. Failure to meet these requirements can trigger a loan default that they may result in foreclosure.
Did
you know there are only 10 weeks left until Memorial Day? Yes, we are counting the days too! Local photographer Wendi Bennett captured this amazing shot of the waves at the beach in Seaside Heights. Want to see your photos in this space? Sunrise, sunset, nature or any Jersey Shore related pic you want to show off ! Email them to photos@jerseyshoreonline.com and you may win a prize!

AROUND THE JERSEY SHORE

Volunteers Honored By e Monmouth County Park System

COLTS NECK – On March 5, the Monmouth County Park System honored its volunteers during its Annual Volunteer Recognition Ceremony at Hominy Hill Golf Course, Colts Neck. During the event, Park System staff honored 110 volunteers who each gave 40 or more hours.

The ceremony also gave the Park System the opportunity to recognize volunteers who hit milestones in their service including Beth Clarke who gave 1,000 hours and Les Neiman who gave 3,000 hours. Both Jim Gault and Gerry Linger crossed the 5,000 hours mark.

On any given day, volunteers can be found gardening, assisting in offices, or leading

a trip. They help with programs, lend a hand at cleanups, and build trails. Docent volunteers welcome visitors and share information about exhibits, programs and facilities. They are an essential part of the Park System’s therapeutic riding programs. Many special events and races such as the Wind & Sea Festival, Thompson Park Day and the E. Murray Todd Half Marathon depend on volunteers to run smoothly. The Park System is grateful to each and every one of its volunteers for their service.

To learn about Park System volunteers, visit MonmouthCountyParks.com or call 732-842-4000.

Spring Job Fair Set For March 28

LINCROFT – The Monmouth County Board of County Commissioners has announced that the Monmouth County Spring Job Fair will take place on March 28 from 10 a.m. to 1 p.m. at Brookdale Community College’s Robert J. Collins Arena.

The Job Fair will take place on the bottom floor of the Arena with free parking available in Lot 7.

“The Monmouth County Board of County Commissioners is excited to partner with the Division of Workforce Development to provide this free event to County residents who are looking for a new job or pursuing a new career path,” said Commissioner Director Thomas A. Arnone. “This Job Fair provides employers and potential employees with a venue to meet and discuss employment opportunities that will benefit both the businesses and the applicants.”

“Employers throughout the County and surrounding areas will be searching for hardworking, qualified applicants to fill available positions in a variety of fields including finance, healthcare, logistics and manufacturing, law enforcement and everything in between,” said Commissioner Susan M. Kiley, liaison to the Division of Workforce

Development. “Full time, part time and temporary employment opportunities will be available with early access for people with disabilities and veteran job seekers. A full list of participating businesses will be posted at workinmonmouth.com.”

The Monmouth County 2023 spring job fair is being held in partnership with: the Monmouth County Board of County Commissioners, Monmouth County Workforce Development Board, NJ Department of Labor and Workforce Development, Brookdale Community College, Monmouth Ocean Development Council and Bridging the Gap for Veterans.

Monmouth County Division of Workforce Development offers services that benefit both employers and job seekers in Monmouth County by matching employers with workers who have the training and skills that the business requires. The Division helps prepare Monmouth County residents for careers in various industries by providing job readiness, occupation skills training, and job search assistance.

For more information, call the Division of Workforce Development at 732-683-8850 ext. 6011 or visit our website at workinmonmouth. com.

The Howell Times, March 25, 2023, Page 9 jerseyshoreonline.com
Photo courtesy Monmouth County Park System
Page 10, The Howell Times, March 25, 2023 jerseyshoreonline.com

ERE ’ S T O Y OUR H EALTH

Breathe Easy: Understanding Prescription Medications For Asthma

As a pharmacist, I’ve seen firsthand the importance of proper treatment in managing asthma. In today’s article, I will provide a comprehensive overview of the various types of prescription medications used to treat asthma.

Inhaled corticosteroids are one of the most commonly prescribed asthma medications. They work to reduce inflammation in the airways, but they don’t work in seconds, so they are not considered a “rescue” inhaler. Two popular examples of these drugs are Flonase and Qvar.

Next, a common category of medications are bronchodilators, which help to relax the muscles in the airways, improving airflow and reducing asthmatic symptoms. There are short-acting and long-acting beta-agonists, and there’s a big difference between those two. The short-acting drugs often contain albuterol, and these are rescue inhalers because they can improve breathing very quickly! An example of a long-acting beta-agonist is Serevent® and your doctor can prescribe these medications for you.

Leukotriene modifiers are available now too. These drugs block the effects of inflammatory substances in the airways (leukotrienes) to reduce inflammation and improve breathing. I would say the most popular medication in this category is montelukast (Singulair). It’s usually not used by itself because it works better in combination with other asthma medications. Most people with asthma take the medications above. For a few resistant cases, doctors will add in a drug from the class of “Biologics” and these are newer. Reserved for more seri-

ous cases, we have medications like Xolair, Nucala, and Fasenra.

If you’re dealing with asthma, and you’ve read something here that can help you please research it and call your physician. I want to emphasize the importance of working closely with a healthcare provider because, with asthma, you need a personalized treatment plan for yourself. Keep in mind these medications just manage symptoms and give you quality of life, but they are not curative. To effectively treat (and possibly cure) a condition like this, you would need to consider lifestyle changes (ie stop smoking/drinking), weight management, and most importantly, avoid the triggers.

Some triggers are virtually impossible to avoid, while others are highly modifiable. The most common triggers for asthma include pet dander, dust, household chemicals, pollution, smoking, food coloring, bacteria and viruses, and weather changes. Your genes and prior medical history play a role in how well you can manage your symptoms, but I have to say no matter how long you’ve had asthma, there is always hope for a partial or even full recovery! I truly believe that.

With proper treatment, trigger avoidance, and medication management, individuals with asthma can effectively manage their symptoms and improve their quality of life. I have a much longer version of this article on my website in case it interests you or a loved one. I am also offering a free ebook on the immune system. To receive this, visit my website, suzycohen.com. Please be sure to NOT make any changes to your medication protocol without consulting your physician first.

(This information is not intended to treat, cure or diagnose your condition. Suzy Cohen is the author of “The 24-Hour Pharmacist” and “Real Solutions.” For more information, visit www.SuzyCohen.com) ©2022 SUZY COHEN, RPH. DISTRIBUTED BY DEAR PHARMACIST, INC.

The Howell Times, March 25, 2023, Page 11 jerseyshoreonline.com
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‘My County’ Poster Contest Opens To Fourth Graders

FREEHOLD – Monmouth County Constitutional Officers Surrogate Maureen T. Raisch, Clerk Christine Giordano Hanlon, Esq. and Sheriff Shaun Golden are inviting fourth graders throughout the County to showcase what they like best about Monmouth County by designing posters for the “My County” poster contest.

“I am thrilled to announce the ‘My County’ poster contest for 2023,” said County Surrogate Maureen T. Raisch. “We invite all fourth graders to take part in this great contest to illustrate what they love about Monmouth County including our County Government. I can’t wait to see the creativity of these posters!”

Since the majority of fourth graders study the State of New Jersey as part of their social studies curriculum, all school principals in

Monmouth County are being asked to get fourth-grade students involved by creating their own poster that relates to Monmouth County. The posters created should depict special and unique things about Monmouth County.

Rules for the contest are as follows:

• Posters must be on a standard 22-inch by 28-inch poster board.

• The words “Monmouth County” must appear at the top of the poster in 4-inch letters with black marker.

• The student’s name, teacher’s name and school must be printed neatly in the lower right-hand corner of the back of the poster.

“As New Jersey’s fourth graders study the State of New Jersey as part of their social studies curriculum, the ‘My County’ poster contest helps students gain an understanding

of what County Government does each and every day,” said County Clerk Christine Giordano Hanlon. “The design and content of the posters are up to the students’ imaginations, and I am excited to see their creativity in depicting some of Monmouth County’s best features.”

“We look forward to the ‘My County’ poster contest every year since it’s a project where students dedicate valuable time and use innovative ideas to create posters about Monmouth County,” said Sheriff Shaun Golden. “It’s also a notable example of civic engagement, as it helps our students learn more about the great County we live in.”

Posters must be mailed or delivered to the Monmouth County Surrogate’s Office at the Hall of Records, 1 East Main Street, Freehold. The deadline is 4:30 p.m. on May 1.

Invitations to participate in the contest have been sent to all County school principals.

Prizes will be awarded to the first, second and third-place winners. Nine posters will also receive honorable mentions. Each of the twelve posters will be individually displayed at the Monmouth County Clerk’s Office.

The poster contest is sponsored statewide by the Constitutional Officers Association of New Jersey to commemorate County Government Month in April. All posters become the property of the Constitutional Officers Association and the County of Monmouth. Submission of a poster grants the Constitutional Officers Association permission to display a poster in public places.

For more information about the poster contest, go to visitmonmouth.com or contact the Surrogate’s Office at 732-431-7330, ext. 7331

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Real Estate

Lakewood 55+ Covington VillageNewer construction gorgeous 2BR/ 2BA Condo 1165 sqft, hdwd floors; CAC; Washer/Dryer; balcony, pool, gym/amenities; billiard/card/theater rooms; parking; $2,700/Taxes; $416/ HOA; ONLY $239,000; pet friendly, close to beaches, shopping and all major highways; 201 390-7377/Julianne_matskin@yahoo.com (15)

Estate Sale

Contents of House Sale - Saturday, March 25 9 a.m. - 1 p.m. 13 Sheffield Dr. Forked River, 08731. Everything can go. (15)

Personals

Partner Wanted - To open thrift store. Also need garage rental for storage. Leave message and number for call back 732-678-6786. (17)

For Sale

For Sale - $3000 or Best Offer: Two Grave Plots At Ocean County Memorial Park Toms River. Location: Garden Of Remembrance Grave 277 and 278 (Singles). Number Of Spaces: 2. We hold the deed, and this sale will be conducted at the Memorial Park's office in Toms River. All paperwork will be signed over to new owner's name immediately. If interested, please call 201-400-9433 leave message, all calls will be answered within an hour. (16)

House For Sale By Owner - Pheasant Run section of Forked River. Prime lot. Asking $350,000. For more info, 609-290-9702. (15)

Items For Sale

Top of Line - Pellet gun with scop 22cal. New. 732-350-0190. 10-shot magazine. (14)

Items - Washing machine; sofa and matching rocker/recliner; 3-piece oak sofa table set; kitchen table set; outdoor table, umbrella and chairs; gas grill; white bakers rack. All excellent condition. 732-998-1702 (15)

Items Wanted

COSTUME/ESTATE JEWEL-

RY Looking to buy costume/estate jewelry, old rosaries and religious medals, all watches and any type of sterling silver, bowls, flatware candlesticks or jewelry. Same day house calls and cash on the spot. 5 percent more with this AD. Call Peggy at 732-581-5225. (t/n)

$$$ WANTED TO BUY $$$

Jewelry and watches, costume jewelry, sterling silver, silverplate, medals, military items, antiques, musical instruments, pottery, fine art, photographs, paintings, statues, old coins, vintage toys and dolls, rugs, old pens and postcards, clocks, furniture, brica-brac, select china and crystal patterns. Cash paid. Over 35 years experience. Call Gary Struncius. 732-364-7580. (t/n)

Vinyl Records Wanted - Paying cash for LP albums. Rock, Blues, Reggae, Soul. Very good condition only. Call Rick 908-616-7104. (17)

Wanted Storage Space - Long term non-commercial use. Jackson, Manchester or surrounding area. Electric a plus, 732-278-5098. (16)

CLASSIFIEDS

Items Wanted

CASH PAID!! LP records - stereos, turntables, musical instru-ments, guitar, saxophone, CD’s, reel tapes, music related items. Come to you. 732-804-8115. (30)

CASH, CASH, CASH! - Instant cash paid for junk cars, trucks, vans. Free removal of any metal items. Discount towing. Call Dano 732-239-3949. (t/n)

Entire Estates Bought - Bedroom/dining sets, dressers, cedar chests, wardrobes, secretaries, pre-1950 wooden furniture, older glassware, oriental rugs, paintings, bronzes, silver, bric-a-brac. Call Jason at 609-970-4806. (t/n)

Used Guns Wanted - All types: collectibles, military, etc. Call 917-681-6809. (t/n)

Cash - Top dollar, paid for junk, cars running and nonrunning, late model salvage, cars and trucks, etc. 732-928-3713. (t/n)

Help Wanted

Jersey Child Care is hiring! We care for children from six weeks through 12 years old. Full and Parttime shifts available. Please call us for details! 732-262-3600 (18)

Laundromat Attendant - For FT/ PT Good communication skills, math and min computer knowledge. Transportation needed. Long term commitment only. 732-286-1863. (t/n)

Services

Bobs Waterproofing - Basement and crawlspace waterproofing. Mold testing, removal and prevention. Family owned. Fully licensed and insured. Call Bob 732-616-5007. (t/n)

Absolute best home improvements!"Building the shore since 1984" Additions, carpentry, windows & doors, roofing & siding, painting & staining, flooring, kitchens & baths, finished basements, masonry, fencing, custom decks, fully insured, license #13VH11804800. $ave. Call Brien 732-850-5060. (28)

ESTATE CLEANOUTS -

Properties, Houses, Attics, Garages, Sheds, Storage Units, ect. Handyman Disposal provided 901a Dumpster Service LLC. Licensed, Insured, call or text Jim 609-335-0330. (27)

Roofing Repairs Etc. - Roofing, siding, windows. Repairs on small jobs. Utility shed roofs replaced. Prompt service. Insured. Gutters cleaned. Call Joe Wingate 551-804-7391. (19)

Computer Tutoring for Seniors –Retired, “Microsoft Certified” instructor. Very Reasonable rates. Very patient with slow learners. I’ll teach you in the comfort of your home on your computer. I can trouble shoot your slow computer! I also teach iPhone and iPad. I set up new computers at less than half the price the retailers charge. Windows 10 specialist. I can also build a beautiful small business website at a fraction of the going rates. Special Projects always welcome! Tony 732-997-8192. (t/n)

Learn To Play The - Flute, clarinet, saxophone, trumpet, trombone, or drums from a NJ State Certified Teacher of instrumental music, in your home! Call 732-350-4427 for more information. (15)

Certified Home Health Aides - Needed for Ocean County area. Hourly and live-in positions avail. P/T and F/T. Call CCC at 732-206-1047. (t/n)

A1 HANDYMAN SERVICESOver 30 years experience in all phases of home improvements. Free estimates and referrals. Call John 267-475-7962. (10)

Car Service - 24/7. Doctors, shopping, airports, hospitals, cruise, shops, Atlantic City, family functions, NYC accomodations for large groups. Call for reasonable rates. Kerry 732-606-2725. (42)

Services Services Services

Handyman Service - Carpentry, masonry, painting repairs large and small. 40 years experience. Call Jim 732-674-3346. (39)

mgritschke@mail.ocvts.org. (t/n)

Services

Since 1979, Kitchen Magic, A family-owned business offering cabinet refacing, new cabinetry, and luxury countertop throughout the Northeast. We transform kitchens in less time, with less stress, at an amazing value. Call today for a free estimate 1-844-367-2477. (t/n)

CHEAP PAINTING Done RITEFree est. Senior discounts interior exterior. Call 732-506-7787, cell 646-643-7678. (28)

LANDSCAPING - Restorations, Repairs, Stones, Mulch, Sod Installs, Hedges, Shrubs, Bushes, Downed Branches Trimmed & Removed, Demolition, Cleanouts, ect., Dumpster service provided by A901 Licensed Hauler ect. MAN WITH VAN LLC. Jim 609-335-0330 HIC# 13vh10806000. NO JOB TOO SMALL! (20)

Male Companion/Caregiver - To assist you with all your needs except hygiene. All daily routines. Also, companion and helper for those on hospice care. $22/hour. 732-664-2833. (14)

APlus Home Improvements - Over 30 years experience. Everything from small handyman tasks to large renovations, decks, finished basements and much more. Lic #13VH11453600. No job too small give us a call. 908-278-1322. (52)

Prepare for power outages today with a GENERAC home standby generator $0 Money Down + Low Monthly Payment Options Request a FREE Quote. Call now before the next power outage: 1-833-901-0309. (t/n)

Property/Management - Brick repair, brick restoration, mulch, stone, Spring/Fall cleanups, pruning, concrete repairs. Call Ken 732-814-7743. (14)

Get DIRECTV for $64.99/mo for 12 months with CHOICE Package. Save an additional $120 over 1st year. First 3 months of HBO Max, Cinemax, Showtime, Starz and Epix included! Directv is #1 in Customer Satisfaction (JD Power & Assoc.) Some restrictions apply. Call 1-877-557-1213. (t/n)

PQ Painting & Home Improvement Services - Over 5 decades of service in NJ. Visit us online at pqpaintingservice.com . Winner of Angie’s List Super Service Award. Free estimates, reasonable rates, fully licensed and insured NJ Lic #13VH06752800. Call 732500-3063 or 609-356-2444. (t/n)

Become a Published Author. We want to Read Your Book! Dorrance Publishing-Trusted by Authors Since 1920. Book manuscript submissions currently being reviewed. Comprehensive Services: Consultation, Production, Promotion and Distribution. Call for Your Free Author`s Guide 1-877-791-2033 or visit dorranceinfo.com/micro. (t/n)

CLASSIFIEDS CANNOT BE PLACED OVER THE PHONE.

1. Below, circle the heading you would like your ad to appear under:

2. Print clearly your ad as you want it to read. Include Phone # within ad below (counts as 1 word). Use separate sheet if necessary.

MY HANDY CREW - Home repairs, carpentry, painting roofing and siding, decks, powerwashing, yardwor,k all your home maintenance needs. $ave. Call Clark 732-850-5060. Insured and NJ License #13VH11804800. (46)

Don’t let the stairs limit your mobility! Discover the ideal solution for anyone who struggles on the stairs, is concerned about a fall or wants to regain access to their entire home. Call AmeriGlide today! 1-855-634-0529. (t/n)

AAA Handyman - Carpentry, Painting, Flooring, Doors, Windows, Trim, Plumbing, Electrical, Masonry, Tile. Affordable, Reliable. New And Repairs. Licensed Insured. 609-384-9030. (16)

ALL American Home Health AidesExperienced experts in the field of trauma and recovery. Holistic approach to healing-nutrition, physical therapy, and quality of life improvements. Hourly or live in.

Honest, hardworking, etc. Includes housekeeping, rides to doctors/pleasure. Skip the rest, come to the best. 732-664-3605. (t/n)

Nor’easter Painting and Staining, LLC - Interior and exterior. Decks, powerwashing. Affordable. Senior discounts. References. No job too small. Fully insured. 732-6910123. Lic #13VH09460600. (19)

You are responsible for checking your ad the first time it runs and notifying us of any errors. If we make an error, we will correct it and rerun the ad. We will not be responsible for multiple insertions if you do not call us after the first ad run. No refunds for classified ads. Newspapers are available at our office. Please feel free to stop in and check your ad.

Calculate Price As Follows:

3. 1 week* at $29.95 for 20 words + $0.40 ea. add’tl word = $ 2 weeks* at $44.95 for 20 words + $0.40 ea. add’tl word = $

3 weeks* at $60.95 for 20 words + $0.40 ea. add’tl word = $ 4 weeks* at $74.95 for 20 words + $0.40

4. Make check payable in advance to Micromedia Publications, or fill in MASTERCARD/VISA/AMERICAN EXPRESS info. below:

Credit Card# Exp.

Cardholder Signature:

Print Name:

5. MAIL TO : PO Box 521, Lakehurst, NJ 08733.

Credit Card Orders Only can be faxed to: 732-657-7388. Or visit jerseyshoreonline.com to place your classified.

Deadline For Classified Ads: 12pm Monday (Ads will run the Saturday of that week)

If you have any questions, please call Ali at 732-657-7344 ext. 203.

The Howell Times, March 25, 2023, Page 13 jerseyshoreonline.com
Seeking Responsible Individual With Good Phone Skills - Experience In Hvac & Permits A Plus. Filing/Answering Phones/Scheduling/Permits/Ordering Parts/ Customer Service. Great Work Environment. $15/Hour 7:30 a.m. - 4:30 p.m. Monday-Friday. Paid Holidays. Call Care Temp Heating & AC at 732-349-1448 Or Fax Resume To 732-349-6448. (t/n)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
ea. add’tl word = $ Total = $
*In order to qualify for discounts, the same ad must run over the requested weeks. • Estate/Garage/Yard Sales • Auto For Sale • Items For Sale • Items Wanted • Help Wanted • Services • For Rent • Real Estate • Other 6. PHONE NUMBER (THIS IS REQUIRED) THE RIDE GUY - Takes you anywhere! No limits. Comfy mini-van. Call Charlie 732-216-3176. Email: cr@ exit109.com. References. Let's Go! (14) Full time Administrative Assistant - Wanted for Adult Community in Whiting. Hours 8 a.m. to 4 p.m. Mon-Fri. No benefits offered. Must be proficient in Word and Excel. Knowledge of TOPS condo software a plus, but will train. Please fax resume to 732-350-2838. (14)
OCVTS Part Time Administrative Assistant - Monday-Friday
a.m.
8
- 1 p.m. $14.13 p/hour. Send resume to:

R.C. Shea & Assoc. Inside The Law

UDOKU

Understanding Automobile Insurance In The Garden State

New Jersey offers two types of automobile insurance policies that may be purchased: a Standard Policy and a Basic Policy. A Standard Policy provides liability, uninsured motorist, and personal injury protection (medical) coverage. A Basic Policy only provides personal injury protection (medical) coverage limited. Protect yourself and choose the standard policy.

Liability Insurance insures you against claims made by others for the property damage or personal injury you caused while operating your vehicle. Liability Insurance protects you from paying money to someone from your own pocket. Your insurance coverage will pay any monetary damage that you are required to pay to someone else but only up to your insurance policy limits. Choose your liability policy limits wisely. Most people choose liability coverage of $100,000.00, but I recommend choosing at least $250,000.00 of liability insurance. The additional cost is usually nominal.

Personal Injury Protection coverage is also known as “PIP” or “No Fault” Insurance. The “No Fault” concept means that your automobile insurance will provide you with personal injury protection insurance (PIP) coverage regardless of fault. In other words, it does not matter who caused the car crash. As long as you were operating, using, or getting in /out of an

automobile at the time of the injury then you are covered. The “No-Fault” concept does not mean that the other driver is responsible for your medical bills. Protect yourself and choose the standard $250,000.00 in PIP Medical Expense Benefits.

Uninsured /Underinsured Motorist Coverage (UM / UIM) protects you against financially irresponsible drivers. Sometimes people operate their vehicles without insurance coverage or with only very little insurance coverage, like those who operate their vehicle with a Basic Policy which was discussed earlier. If you sustain property damage or bodily injury and the person responsible does not have enough insurance to cover your loss, then you can file a claim with your insurance company under your Uninsured /Underinsured Motorist Coverage. This coverage protects you and your family by providing additional insurance coverage for your loss, but only up to the policy limits that you choose. UM/UIM insurance coverage should never be less than your liability coverage. Most people choose liability coverage of $100,000.00, so your UM/UIM coverage should equal your liability coverage.

At R.C. Shea & Associates, our automobile insurance attorney, Michael J. Deem. Esq. is here to help you with your automobile insurance questions. Please give him a call.

Page 14, The Howell Times, March 25, 2023 jerseyshoreonline.com
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SOLUTIONSCROSSWORD PUZZLE S UDOKU

Omarr’s Astrological Forecast

For the week of mar 25 - mar 31

ARIES (March 21-April 19): Paying someone a compliment might help you widen your network of friends. You may need to be more mindful of your words this week, but you will find things can go smoother if you try to be polite and gracious.

TAURUS (April 20-May 20) : Try not to give in to predictable, knee-jerk reactions that may not be appropriate to your current situation. Trust in yourself and take the time to make a more thought-out move.

GEMINI (May 21-June 20): Tempers could be running high, and you might find yourself taking the brunt of it. Looking at things with a cooler head and a more strategic mindset can help you to avoid the risk of losing your temper.

CANCER (June 21-July 22): You might be attuned to the thoughts and feelings of a loved one. You could be picking up subtle signals that may not be perceived by others. Pay attention to your intuition and trust in your feelings.

LEO (July 23-Aug. 22): Things may be challenging when you try to fit them into a space they do not belong. Someone may expect you to do something you are unable to do. Try not to overreact to difficulties or become defensive when you are out of your element.

VIRGO (Aug. 23-Sept. 22): There can be fewer arguments and misunderstandings if there’s no real basis for problems. You might want to delay contract signings and avoid making promises if you feel the agreements could easily turn into disagreements.

LIBRA (Sept. 23-Oct. 22): When someone

rubs you the wrong way, the result can be unpleasant. Some people may go to great lengths to prove they can exercise authority and initiative. However, this can feel annoying and might lead to unreasonable demands that can put you in a tight spot.

SCORPIO (Oct. 23-Nov. 21): You may need to be more selective when sharing your secrets. You can keep a secret, but other people in your immediate circle may be less discreet. Consider delaying major purchases or making key financial choices for now.

SAGITTARIUS (Nov. 22-Dec. 21): You can be successful because you are honest and forthright. Competitive people could take unethical paths to take the lead away from others. Use your warmth and friendliness to bring people together for mutual enjoyment.

CAPRICORN (Dec. 22-Jan. 19) : You might find some challenges at work that require you to move quickly. Use your organizational skills to accomplish as much as possible in a short amount of time. Savvy shoppers wait until there is a sale to buy something they want.

AQUARIUS (Jan. 20-Feb. 18): Having a practical attitude can promote realistic solutions. When people get aggravated, you can come up with calming techniques based on wisdom you have gained from experience. Keep a close eye on valuable possessions.

PISCES (Feb. 19-March 20): You might be tempted to handle everyday problems impulsively. Although you might want to avoid family arguments and disagreements at this time, tension and hostility can still linger beneath the surface.

FRENCH TOAST CASSEROLE IS AN IDEAL FAMILY BREAKFAST

MAKE-AHEAD FRENCH TOAST CASSEROLE

(For 25 years, confident cooks in the know have relied on America’s Test Kitchen for rigorously tested recipes developed by professional test cooks and vetted by 60,000 at-home recipe testers. See more online at www.americastestkitchen. com/TCA.) (c) 2023 AMERICA’S TEST KITCHEN. DISTRIBUTED BY TRIBUNE CONTENT AGENCY, LLC.

The Howell Times, March 25, 2023, Page 15 jerseyshoreonline.com
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