Cedar Grove Life August 2019

Vol. 2 • No. 7 • Aug. 2019

FREE, Please Take One

Passaic River Clean Up Success

Little Falls Biz holds Annual Block Party Event

Woodland Park Fifth Grader Featured for Charitable Efforts

Passaic Valley

August 2019 • Page 3

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Page 4 • August 2019

PASSAIC VALLEY & CEDAR GROVE EDITORIAL

Passaic Valley Life & Cedar Grove Life Thank you for reading Passaic Valley Life and our inaugural issue of Cedar Grove Life.

Each month you can pick up a copy of the magazine at local businesses or visit www.iwantmypaper. com and sign up for a free copy that will be sent directly to your email each month.

Our goal is to provide you with stories and articles about people, places and things throughout your community. We are also asking our readers to send

us photos and information on your life events, parties, birthdays, weddings, engagements or any other milestones. You can send them to editor@ mylifepublications.com.

Please support all of the advertisers in our publications as they make this magazine available free to all with their advertising support. We want to help the local businesses in your communities and your support of them is appreciated.

Next Issue September 2019, Deadline August 15 To receive your FREE copy of Passaic Valley Life and/ or Cedar Grove Life direct to your email visit www.iwantmypaper.com and sign up!

Subscribe $35 / year / $60 for 2 Call 800-691-7549

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August 2019 • Page 5

Page 6 • August 2019

Behind the Badge Tourney Raises $7K for Charity

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check for $7000 was given to the NJ State PBA Survivors from the Behind the Badge Tournament. Founded five years ago, the softball tournament pits teams of North Jersey police officers against each other, aims to honor officers from New Jersey that have given their life in the line of duty and their families, and raise funds to assist those surviving families via the State PBA Survivors Fund.

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PVBOE Keeps High School Fencing After Show of Strong Community Support

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By Tina Pappas

he Passaic Valley High School Board of Education decided to continue its fencing program for its upcoming school year after several dozen attendees voiced concerns to board members against eliminating it.

News about the proposed cut stemmed from the board’s June 25, which brought many supporters of the program to the board meeting during public comment with impassioned pleas to keep it on.

Current high school fencers, former fencers, and future fencers, including many parents, touted the program’s importance for a variety of reasons. Those who spoke publicly emphasized its value as being one of the few sports which encompasses all student abilities, particularly those with special needs. Some praised the sport for encouraging many

Jo-Anne Mtichell, former Woodland Park Board of Education members addresses the Passaic Valley Board of Education at its July 16 meeting to continue its fencing program.

to enroll in college after they graduate high school.

Nancy Ortiz, president of the Parents Fencing Association, and mother of a PV graduate who had fenced, said she had addressed the rationale by one board member via email who felt the program hadn’t produced a win collectively as a team as one reason for the proposed cut. Ortiz responded that although it had not sustained a team win for the high school, many students are positively affected individ-

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Several dozen attendees came out for the Passaic Valley Board of Education in support of the high school continuing its fencing program.

ually by the high school’s fencing program.

“Every year, multiple fencers receive scholarships for colleges for fencing,” said Ortiz, adding that the association was willing to pick up three line items totaling $5,155 to offset the fencing budget of $21,090, bringing it down to $15,004. Additionally, she added that the coach’s salary could be waived further bringing the operating budget for fencing down to roughly $9,000.

Ortiz further stated that those who run the fencing program were willing to do whatever it takes to allow the high school to keep it on.

“Keeping this program is important not only for our able students but for our special needs students because this scholarship money is really important,” she added.

Ortiz also thanked those who came in attendance to speak out on behalf of the program.

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Vince Paragano, head fencing coach for Drew University, who is also a former high school fencing coach and board member in Somerset County, said that one of the goals of the fencing program was to help raise college enrollment after he helped implement a fencing team at Bernards High School, where he said he took the fencing team to a state championship within four years, He also implemented a program at Governor Livingston High School.

“I know both sides of this equation and those players are still very appealing at the college level,” he explained.

“In fact, I have two of your players on my team now and I hope to get more in the future.”

Paragano also shared information on statistics that showed fencing as having the lowest incident of injury. Additionally, he noted that one quarter of all high school fencers wind up fencing at the college level. For every 220 soccer players in high school, only one goes on to play in college.

“While you’re looking at the

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Page 10 • August 2019

immediate dollars in cutting a program, the long-term effect of having that program and the upside is there,” he stated,. “Simply tweak so that it survives.”

Jo-Anne Mitchell, former Woodland Park Board of Education member who served on the board for ten years, also spoke in favor of the program. Mitchell is the mother to two PV graduates who had fenced in the program, including her youngest who currently attends PV and fences in the program. She said the program has made a special impact on her older son who was a special needs student.

“He played one day of T-ball, the only sport he ever played until he got here and he fenced. He excelled at it,” she said.

“Fencing is the only sport that I know that is inclusive of all children, the advanced placement students, the special needs students and everybody in between. Everyone participates in the sport. There is a camaraderie like no other sport or club. It teaches these students life lessons and especially acceptance of people.”

Mitchell also pointed out that although she understood budget decisions that need to be made by the board for the upcoming school, she noted that the amount to run the program was nominal, amounting to the health benefits of a teacher for the school year.

“To disappoint that many students, especially younger siblings who come to the matches and watch their older siblings. please reconsider.”

Nancy Ortiz, president of the Parents Fencing Association, addresses the Passaic Valley Board of Education at its July 16 meeting to continue its fencing program.

August 2019 • Page 11

Little Falls Biz Holds Annual Block Party Event

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By Tina Pappas

he Little Falls Business Association “LittleFallsBiz” held their third annual block party recently on Paterson Avenue and Main Street on June 13. Cloudy weather didn’t put a damper on the festivities, with many local businesses coming out to showcase their businesses. Attendees were treated to great food and information on the business, with fun activities for children, such as face-painting and balloon animals. An apple pie eating contest was also the highlight of the evening, where Mayor James Damiano and Police Chief Steven Post went head-to-head.

According to Karen Winick, president of LittleFallsBiz, the weather kept some away but the rain held off and those who came had a great time.

Winink is also co-owner of Pencilworks Studio, located at 96 Main Street.

“The highlight was the pie eating contest between our mayor and police chief, with the chief edging out the mayor this year “ she said. “It was all great fun! Everyone who attended really enjoyed themselves.”

Winick added that the association appreciated many of the local businesses who donated to the event, such as Shop Rite of Little Falls that donated the apple pies and Lakeland Bank, located at 86-88 Main Street, supplying live DJ music. Some restaurants on hand to supply food were La Brace Seafood, located at 77 Main Street and Casa Arturo Bistro, located at 75 Main Street, It’s really a nice event that began three years ago. We’re looking forward to running it again next year.”

Little Falls Police Chief Steven Post who won the annual block party’s pie eating contest.

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Page 12 • August 2019

August is “Children’s Eye Health & Safety” AWARENESS MONTH: ECC-NJ Pearls & Tips Dr. Swati J. Parekh says, “Kids need to take a break from prolonged screen exposure!”

Is Too Much Screen Time Harming Children’s Vision?

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s children spend more time tethered to screens, there is an increasing concern about potential harm to their visual development. Ophthalmologists – physicians who specialize in medical and surgical eye care – are seeing a marked increase in children with dry eye and eye strain from too much screen time. But does digital eye strain cause lasting damage? Should your child use reading glasses or computer glasses? As you send your kids back to school this month for more time with screens and books, *EyeCare Consultants of NJ (ECC-NJ, Woodland Park, NJ, www.eyecareconsultantsnj.com, 973-785-2050) joins the *American Academy of Ophthalmology to arm parents with the facts, so they can make informed choices about their children’s eye health.

It’s a fact that there is a world-wide epidemic of myopia, also known as nearsightedness. Since 1971, the incidence of nearsightedness in the US nearly doubled, to 42 percent. In Asia, up to 90 percent of teenagers and adults are nearsighted. Clearly, something is going on. But scientists can’t agree on

exactly what.

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While scientists look for a definitive answer, there is no doubt that most computer users experience digital eye strain.

Kids are no different from adults when it comes to digital eye strain. They can experience dry eye, eye strain, headaches, and blurry vision, too. While symptoms are typically temporary, they may be frequent and persistent.

But this doesn’t mean they need a prescription for computer glasses or that they have developed an eye condi-

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August 2019 • Page 13

tion of middle-age that requires reading glasses, as some suggest. It also doesn’t mean that blue light coming from computer screens is damaging their eyes. It means they need to take more frequent breaks. This is because we don’t blink as often while using computers and other digital devices. Extended reading, writing or other intensive near work can also cause eye strain. Here are 10 tips to help protect your child’s eyes from computer eyestrain: Set a kitchen timer or a smart device timer to remind them.

Alternate reading an e-book with a real book and encourage kids to look up and out the window every two chapters.

After completing a level in a video game, look out the window for 20 seconds.

Pre-mark books with a paperclip every few chapters to remind your child to look up. On an e-book, use the “bookmark” function for the same effect.

Avoid using a computer outside or in brightly lit areas, as the glare on the

screen can create strain.

Adjust the brightness and contrast of your computer screen so that it feels comfortable to you.

Use good posture when using a computer and when reading.

Encourage your child to hold digital media farther away, 18 to 24 inches is ideal.

Create a distraction that causes your child to look up every now and then.

Remind them to blink when watching a screen.

Swati J. Parekh, MD, FAAO, Chairwoman of St. Joseph’s Health Department of Ophthalmology, comments that, “We tell all of our patients, especially children in school, to use the 20-20-20-20 rule! This rule states that every 20 minutes, you should turn your head away from the screen and look 20 feet away, blink 20 times, and for 20 seconds. This is a great way to minimize eye strain and also helps to lubricate the ocular surface by blinking.” (*education provided in collaboration with the AAO)

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Passaic River Clean Up Massive Success

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he annual Passaic River clean up, organized by the Woodland Park Memorial Middle School Student Council, was held prior to the close of the school year.

Participants were chosen by interest and teacher recommendation. Students walked from the school to the Passaic River in the area of McBride Avenue and Browertown Road and policed the area and the river bank for litter and debris. They were guided by Fran Bonaccorso, assisMon-Fri 7a-10p Sat & Sun 6a-10p Hablamos Español

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tant superintendent of Joint Meeting of Essex and Union Counties, past president of the NJ Water Environment Association (NJWEA) North Section, and Tom Grenci, past state president of the NJWEA. While on the outing the students and guides discussed environmental issues such as hydrologic cycles, pests to be aware of, and local plants. They also did water sampling and testing. The NJWEA is a non-profit educational organization dedicated to preserving and enhancing the water environment.

August 2019 • Page 15

Minette’s Angels Foundation Inaugural Walk in the Park

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inette’s Angels Foundation invites all to join our Inaugural Walk in the Park, September 29 in Verona Park, Verona, NJ. For 15 years, Minette’s Angels Foundation has supported breast cancer patients and survivors. We also promote breast health awareness, which is vital to saving lives and offer three annual college scholarships.

Registrations and donations can be made online at MinettesAngels.org. Cost for Adults $30, Children 12-18 years $15 by September 24th and day of Walk adults $35, children $20. Minette’s Angels relies on the dollars raised to help breast cancer patients who live in our extended community. Sponsorship Opportunities are also available. Honorary Chairpersons are surgeons from The Center for Breast Health & Disease Management at Barnabas Health Ambulatory Care Center: Dr. M. Michele Blackwood, Dr. Elissa J. Santoro, Dr. Sarah S. Schaefer, and Dr. Janette H. McDermott; Pat & Barbara Filoso, Proprietors of Hillcrest Farms, and Joseph N. DiVincenzo, Jr., Essex County Executive. For more information on how to support breast cancer patients and to participate as an individual or team, visit MinettesAngels.org and sign-up today! Follow us @MinettesAngels on Facebook, Instagram and Twitter.

WP Library Thanks Power Wash Volunteers

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he Borough of Woodland Park and the Alfred H. Baumann Free Public Library send its thanks to members of American Legion Post #238 and One Step Power Washing - veteran owned and operated by Michael Rios - for volunteering to power wash the Library and walkways.

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Isabella Rivera Wins Investors Bank Best Teammate Award

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edar Grove High School student-athlete Isabella “Bella” Rivera is a winner of the 2019 Investors Bank Best Teammate Award. Bella, throws the javelin and launches the shot put for Panthers’ track and field team. She was honored for exemplifying the strength of character, sportsmanship and supportive spirit vital to a team’s success. Panthers’ Coach Thomas Moogan said, “Bella’s competitive spirit and positive attitude, as well as her leadership skills, make her a pleasure to guide.” The Yogi Berra Museum & Learning Center hosted student-athletes from member schools of the Super Essex Conference (SEC) along with their families and coaches for the awards ceremony. Museum Executive Director Eve Schaenen said: “The Best Teammates Award allows us to recognize young people who are embodying the positive ideals that Yogi lived by his entire life, both

on and off the field.” In photo, from left, are: Denis Nelson, athletic director of River Dell High School; Bella, Eve Schaenen and Investors’ Cedar Grove Branch Manager Kemie Toska.

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August 2019 • Page 17

WP Police and Cub Scouts Lunch Together

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oodland Park Cub Scout Pack 31 recently enjoyed Pizza with a Cop. The Pack sends its thanks to Chief Eileen Tiernan, Lt. Erik Luker and all the officers who spent a

couple hours of their time hanging with the Scouts, eating pizza and talking with them about their job and the community.

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Page 18 • August 2019

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Poetry Contest Winners Celebrated at Reading Event

he Alfred Baumann Library in Woodland Park recently saluted the winners of its annual poetry contest at a reading event. The staff sends its thanks to all those that submitted poems.

Winners in attendance at the event read their poems. All winning poems will be published and bound in a library book.

Prizes were awarded for first, second and third place in five categories. The winners are: Category A (K-2nd) – first place: Victoria Califano, “Flowers;” second place: Angelo Grillo, “I Am Poem;” third place: Alejandro Piedra, “I Am Poem” Category B (3rd-4th grade) - first place: Isabella Capaci, Brayden McGovern, Gianna Richardson, Laila Renne, “How the Unicorn Lost Its Horn;” second place: Fouad Sada, “Anchor Charts;” third place: Adam Siewior, “Triangle (A Concrete Poem)” Category C (5th- 6th grade) – first

place: Melanie Burgers, “Beaches;” second place: Sophia Pugliese, “My Thoughts;” third place: Emma Jurkic, “A Heart of Gold” Category D (7th-8th grade) – First place: Haley Franco, “Earth;” second place: Juliette Maldonado, “One Last Goodbye;” third place: Aurora Figueira, “With Open Arms” Category E (high school to age 18) – first place: Cristal Fuentas, “A Simple Smile;” second place: Michael Giannasio, “I Looked Through My Window to See the Outside World;” third place: Carissa Ostolaza, “For You” Category F (18 and older) – first place: Lili Pacheco, “Untitled;” second place: Joseph Pugliese, “Ode to Stuffing;” third place: Justin Minnella, “Paranoia”.

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August 2019 • Page 19

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oodland Park Senior Citizens Club members recently enjoyed their annual Mother’s and Father’s Day Luncheon. The club was presented with 12 new coffee carafes for their meetings, thanks to the efforts of Councilwoman Tina Gatti, who solicited and obtained donations to fund the purchase of the carafes.

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Page 20 • August 2019

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Woodland Park Fifth Grader Featured for Charitable Efforts

BC News’ Lucy Yang and Emily Sowa recently featured an “In Our Backyard” segment on Woodland Park fifth grader Jayden Perez, who has been working to spread kindness since he was 8.

Jayden first started his charitable endeavors with a Christmas toy drive for children in Puerto Rico followed by helping people and animals in Puerto Rico and Florida affected by hurricanes.

“Everything I do is just repay and when people give to me, I repay with that,” he said on the news report.

His good work was also recently featured on a Good Morning America segment by Genevieve Shaw Brown.

Jayden has given motivational speeches on anti-bullying, served as a Kid Box ambassador, and he and his mother Ana Rosado were named “Hometown Heroes” by the Alfred Baumann Library last year.

The benevolent young man is also now the president of his own 501(3)c non-profit organization – “From The Bottom of My Heart.”

“Giving is the right thing to do. Giving is the best thing to do,” he said.

Jayden’s next charitable endeavor is collecting backpacks and school supplies for area children in need. Donations can be dropped off at the Alfred Baumann Library, 7 Brophy Lane, or mailed to: From The Bottom of My Heart, Attn: Jayden Perez, PO Box #115, Little Falls, NJ 07424.

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August 2019 • Page 21

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The Fine Grind Celebrates 14th Anniversary

n June 15, The Fine Grind (TFG) celebrated 14 years of business in Little Falls with a fun filled birthday party at their location at 101 Newark Pompton Turnpike and everyone was invited! Town council members Maria Cordonnier, Al Kahwaty and Chris Vancheri were present to join in on the ceremonial cutting of the cake. A complimentary piece of chocolate or vanilla birthday cake was enjoyed by every guest while live music added to the festive atmosphere. Each year The Fine Grind celebrates its birthday by giving gifts to the customers because the owners, Rhonda & Jon Mallek, are very thankful for each and every customer for making TFG what it is today. This year’s gifts were limited-edition coffee mugs displaying The Fine Grind logo and the words “Little Falls, NJ” and “Wayne, NJ” commemorating the significance of 2019 being the last year that The Fine Grind had two locations.

Many of TFG’s loyal customers cherish this piece of local history because they have shared their own significant memories at The Fine Grind. Earlier this year,

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a customer reached out to the owner of The Fine Grind asking to purchase a particular table that he and his wife shared on their first date. Also, recently a TFG barista was asked to photograph a marriage proposal taking place in front of the café because TFG is the couple’s special place. A former TFG employee stopped in to visit with her husband that she met while working at The Fine Grind and their three children. The Fine Grind has hosted many first dates, wedding proposals and reunions. It has provided a performance space for first time musicians and exhibited artwork for local artists. Long term relationships started at TFG while others have tried their first sip of coffee.

So let’s raise our mugs and toast to the longevity of this family owned business that has been an important part of our community for 14 years.

The Fine Grind – A Coffee Bar, 101 Newark Pompton Tpk, Little Falls, , 973837-0199www.thefinegrindcoffeebar. com, Facebook: @thefinegrindcoffeebar, Instagram: @thefinegrind, Twitter: @TFGcoffeebar.

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Woodland Park Debuts RX Drop Box

he Woodland Park Police Department now offers a free, safe medication disposal drop box in its headquarters where the public can bring expired or unwanted prescription and over-the-counter medications 24/7.

Installed through the Rite Aid Foundation’s KidCents program, the convenient drop box allows residents to help reduce the chances of accidental or intentional misuse by disposing of medications in an environmentally-friendly manner.

Among adolescents, prescription and over-the-counter medications account for most of the commonly abused illicit drugs by high school seniors. Seventy percent of 12th graders said that prescription narcotics were given to them by a friend or relative for nonmedical use (NIDA, 2011).

In addition, prescription medications have become the leading cause of accidental childhood poisonings.

“The Woodland Park Police Depart-

ment is grateful to Rite Aid for implementing this program,” said Police Chief Eileen Tiernan. “Our residents now have a safe and convenient way of disposing their unwanted, unused or expired medication. Our Municipal Alliance Against Alcoholism and Drug Abuse has been asking to participate in this program for some time now.”

The drop boxes accept solid pharmaceuticals such as pills, capsules, patches, inhalers, and pet medications. They cannot accept syringes or liquids.

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Do I Buy New or Old?

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By Warren Damiano he choice of whether to buy a new or an older home tends to be swayed by two very diverse considerations emotions and finances.

Some of us love older homes with their sense of history, charm and character and others are only truly happy with something that is brand new and has all the latest conveniences. No advice from outside will sway us from our emotional preferences and we should honor them. If this is to be your home, it should be the type of house you are most comfortable in.

If, on the other hand, you are looking at the choice of older versus newer with your primary motivation being financial, there are a few things to consider. New homes typically have lower maintenance costs, but that is frequently balanced by a higher

purchase price.

Of course, it is not just the costs of repairs and maintenance that we tend to look at but also the aggravation factor of dealing with them. Older homes can be a source of pride and joy for those of us who are handy and love to restore them but they can be a nightmare for those not so inclined.

New houses and very charming well built and maintained older homes tend to hold their value better than those houses that are neither new and convenient nor old and charming. Utility costs are one financial concern that can vary dramatically. Unless an older home has had insulation added to it at some point in its history, you can expect to pay much higher utility costs in an older home.

Ask your Realtor how much the present owners are paying for their utilities if you are looking at an older home.

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Seven Insurance Policies for Small Businesses

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Courtesy of Schechner Lifson Corporation ith so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Schechner Lifson Corporation is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.

Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage.

Commercial property insurance is offered on either a replacement cost or actual cash value basis.

Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.

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aged property, minus depreciation.

General Liability Insurance General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.

General liability insurance policies typically have four coverage elements: Premises liability covers you in the event that a person who is not employed at your business becomes injured on your property.

If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.

Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.

A personal injury is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered

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under your general liability policy.

Advertisement injuries are caused by alleged misinformation, copyright infringement or slander made by your company. If you were advertising a product that claimed it could help clear acne and it ended up making a consumer’s acne worse, that could be considered an advertisement injury.

Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

Employment Practices Liability Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include claims of discrimination, wrongful termination, sexual harassment and retaliation.

These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements.

EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

Workers’ Compensation Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.

For example, if a worker pulled a back muscle at work and was

unable to perform their duties, workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages.

Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

Cyber Liability Insurance If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and the trust between you and your customers. Cyber liability insurance is not only there to protect the internal information of your company, such as employees’ social security or financial information, but it also protects your customers’ personal and banking information.

Most cyber liability policies include both first- and third-party coverage: First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.

Third-party coverage is to cover claims by people who have been injured because of your business being hacked.

Restoring compromised or lost data can be very costly, so cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

Commercial Auto Commercial auto insurance helps cover the costs of an

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auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

Your business should consider a commercial auto policy if any of the following are true: Your business owns, leases or rents vehicles such as cars, trucks or vans.

Your business has employees who drive their own vehicles to conduct business.

Your business has employees who operate leased, rented or owned company vehicles.

Professional Liability Insurance Professional liability insurance, also known as errors and omissions (E&O) insurance, can protect your business against claims that a service you provided caused a client to suffer due to a mistake on your part or because you failed to perform a service.

Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission.

What’s more, depending on your industry, professional liability insurance may be required by law.

While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

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4 Tips to Help Your Home Sell Faster

ince last year, we have seen an increase in the inventory of homes for sale month per month. Every spring and summer, the inventory increases because the weather gets warm and people want to sell their home. Especially for those with children, they may want to be in their new home for the beginning of the school year.

If you are one of those sellers, you may find these 4 tips helpful in getting your home sold more quickly.

1. Allow buyers feel at home Declutter your home! Pack away all personal items like too many pictures, awards, and sentimental belongings. Make them feel like they belong in this house! According to the Profile of Home Staging by the National Association of Realtors.

When decluttering your house it will spend less time on the market, but the same report mentioned that, “One-quarter of buyers’ agents said that staging a home increased the dollar value offered between 1 – 5%, compared to other similar homes on the market that were not staged.”

2. Organization Since you have decluttered, take the time to keep it organized! Before the buyers show up, pick up toys, make the bed, and put away clean dishes. Buyers will remember the smell of your home! It is also a good idea to have the home smell clean or lighting a scented candle. According to the same report, the kitchen is one of the most important rooms to stage in order to attract more buyers.

3. Full Access

One of the top elements when selling your home is access! Some buyers, especially those relocating, don’t have much time available. If your home is available anytime, that opens up more opportunity to find a buyer right away. If they cannot get into the house, they will move on to the next one.

4. Price it right More inventory coming into the market guarantees there will be some competition. You want to make sure your home is priced to sell. The key to selling your house in 2019 is ensuring it is Priced to Sell Immediately (PTSI). That way, your home will be seen by the greatest amount of financially ready buyers and will sell at a great price before more competition comes to market!

If you want to sell your house in the least amount of

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Page 34 • August 2019

Do Slow Golfers Ruin Your Day on the Course?

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he average pace of play for a round of northern NJ golf: not very good!

Northern NJ golf courses are known for being overcrowded during peak tee times. And while you can’t control the crowds, there are a number of ways you can ensure that a good pace of play can be part of a great day at the links.

Finding a northern NJ golf course that offers a reasonable and consistent pace of play is critical to finding a club to call home.

Few things can disrupt an otherwise pleasant day of northern NJ golf like a round that meanders past five or six hours. After all, according to the USGA, a round should take just over four hours.

Fortunately, golfers have a number of tools and options to take control of their round and quicken their pace of play.

When you play Bowling Green, You Have More Time for Your Family or… MORE GOLF!!!

Pace of play is science, art, and service. Several years ago, the management at Bowling Green Golf Club in Oak Ridge looked at every aspect of speeding up play and organized a program with one goal and one goal only: make golf more enjoyable by eliminating the long waits that are so typical at busy area courses.

At Bowling Green, everyone, from the head golf professional to the person who mows the grass, is completely committed to a pace of play that’s sensible without feeling hurried. A lot of courses in the area say they are committed to fast play, but only Bowling Green backs it up. The plan included widening some landing areas, taking out trees, and clearing undergrowth. The course also lengthened tee time intervals to ten minutes (they are typically six minutes at crowded area courses). This means

fewer golfers on the course and fewer golfers virtually eliminates delays (and improves conditioning).

At Bowling Green Golf Club, the pace rating for a foursome is 4 hrs. 15 min. Your place on the golf course is immediately behind the group in front of you, not immediately in front of the group behind you.

A group is out of position if it: • is taking more than the scheduled time to play (see scorecard) and • reaches the teeing ground of a par 3 which is clear or; • fails to clear the teeing ground of a par 4 before the preceding group clears the putting green or; • arrives at the teeing ground of a par 5 when the preceding group is on the putting green.

Golfer Happiness: YES… Golfer Gridlock: NO!!!

Furthermore, course ownership constantly monitors the fast play program and ‘tweaks’ the plan as part of a commitment to improve pace of play even more. In fact, a GPS tracking system has been installed on each cart that allows the pro shop staff to see where every cart is located and if they are out of position regarding time. Starters and on-course assistants are completely “on-board” with the program. The starter starts groups at the appropriate time and the on-course assistants tactfully but firmly get slow groups to speed up. Chronically slow golfers will not enjoy Bowling Green – we ask them to leave and give them a refund. All of this helps ensure an enjoyable round for everyone.

If you are fed up with slow play at your course call Bowling Green Golf Club to book a tee time: 973-697-8688 or book a tee time online.

August 2019 • Page 35

T

Ease Kids Back into School with Confidence

here’s nothing like a major milestone in a child’s life to test a parent’s confidence.

Big changes like a new school or classroom can be trying for kids and adults alike, but tackling the transition a little at a time can make it easier on everyone.

Most parents agree that being confident is important, but only about 1 in 3 parents feels confident on a typical day, according to KinderCare’s Parent Confidence Report. However, experts say your own feelings can impact youngsters.

Whether your child is making a big change like stepping up from pre-K into kindergarten or entering a new grade in the same building, there’s likely to be some trepidation. However, each child is different, which means reactions to change can vary.

Some kids show up ready and raring

to go, eager to explore and meet new friends, while others can be a little clingy, tearful or even refuse to look at the teacher or take a step through the door.

If you think your child might have trouble making the transition, consider these strategies from the experts at KinderCare to help ease both of you into a more

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comfortable place and build confidence for a successful school year.

Set up classroom visits before school starts. Sometimes fear comes from the unknown. By visiting ahead of time and seeing firsthand, your child can become familiar with the layout of the classroom, meet the teachers and know what to expect, which can help alleviate some of the anxiety and jitters.

Talk with your child’s teacher about the transition. Your child’s teacher should be your partner, so be open and honest from the start. Talk about how your child handles change, what causes stress or what behaviors the teacher might expect.

Don’t be afraid to call and ask for updates on your child to see how things are going. Set up regular check-ins over the next few weeks to talk about any additional support your child may need.

Avoid sneaking away from your child at drop-off. Talk about what will happen ahead of time and create a consistent and predictable drop-off ritual, such as two high-fives, a hug and a wave from the window, to ensure your child feels secure and safe. Continue this routine every day to help your child get used

to the classroom environment and make sure the process is a quick, happy one. While you’re typically welcome in most classrooms, lingering too long can make it harder on your child once you do leave.

Be enthusiastic. Just like laughter, excitement is contagious.

Rather than focus on nerves or uncertainty, share your own memories from school including how you felt at the beginning of a new school year and the excitement of learning and meeting new friends, which can help your child get hyped up, too.

Set up a work station at home. Creating a designated space at home for your little learner to do homework, read, write, draw and complete art projects can help set him or her up to develop good study habits. Stock this station with colored paper, crayons and markers, pencils, glue sticks, scissors, books, stickers and other necessary tools, and leave room for stowing a backpack. Encourage your child to spend time working on educational endeavors in the space each night.

View the full Parent Confidence Report and find more advice to help ease your child’s way into the school year at KinderCare.com.

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August 2019 • Page 37

E

How Much Exercise Does a Person Need?

xercise is an essential component of a healthy lifestyle. Exercise helps people maintain healthy weights, improves mood, reduces the risk for various health ailments, and much more. But how much exercise is necessary for optimal health? Research indicates that the answer to that question depends on the person and his or individual health goals.

According to David Bassett, Jr., PhD, a professor of exercise physiology at the University of Tennessee in Knoxville, having a clear set of exercise goals can help a person determine just how much exercise he or she needs, particularly if a person is exercising to control his or her weight or reduce his or her stress.

The U.S. Department of Health and Human Services recommends

that most healthy adults get at least 150 minutes of moderate aerobic activity or 75 minutes of vigorous aerobic activity, or a combination thereof, every week. Try to engage in strength training for all major muscle groups at least two times per week. The Mayo Clinic says a general goal for most people is to aim for at least 30 minutes of moderate physical activity every day.

Health experts say that this exercise needn’t all occur at once, either.

If a 30-minute walk is not possible, split that up into a few 10-minute walks throughout the day. Any activity is better than doing nothing at all.

For those with specific fitness goals, it could be wise to speak with a trainer or a doctor about which types of exercises (and durations) are effective. Physicians may be able to map out a fitness plan that works.

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Page 38 • August 2019

August 2019 • Page 39

Page 40 • August 2019

T

Honor History and Its Lessons

he reasons for understanding the past are plentiful. Historical knowledge may illuminate the moments that shaped a loved one’s life or simply satisfy a curiosity about events and people that occupied a different place in time. A look into yesteryear can help make sense of the world today or even foreshadow happenings well into the future.

Whatever the basis for your interest in looking back in time, there are many ways you can honor and develop a deeper understanding of history. It’s just a matter of finding the method that fits your interests best.

Visit a museum or historical monument. These locations are rife with information, and often artifacts, that bring the past to life. You can find museums for all types of topics and interests, some with broad information about an event or subject and others that tell a story from a particular vantage point. Monuments offer a similar glimpse at the past, but they generally serve as physical markers of a particular place or event. This means you can stand exactly where the nation’s forefathers stood as they fought for liberation from British soldiers or take in the same sights as the pioneers who ventured west along a wagon trail.

Explore written accounts of history.

Historical books lend a diverse perspective on history, from factual accounts of times and places to personal narratives that let you experience exceptional moments through the eyes of someone who was there. For example, “Sacred Duty: A Soldier’s Tour at Arlington National Cemetery” from publisher Harper Collins paints an inspiring portrait of Arlington National Cemetery’s elite Old Guard unit, as well as telling the story of U.S. Senator Tom Cotton’s time as a platoon leader there.

America’s oldest active-duty regiment, dating back to 1784, The Old Guard conducts daily military honor funerals on the 624 rolling acres of Arlington. Readers have the opportunity to immerse themselves in the honor and the challenges of duty at the nation’s most sacred shrine.

Photo courtesy of Getty Images

Learn more or order online at HarperCollins.com.

Let elders tell their tales. Though much of recent history is heavily documented, there’s no comparison to hearing firsthand how a person felt and thought as those historical moments unfolded. War stories, memories of childhood, tales from the first time driving a car – these are all experiences that looked very different a generation or two ago. Use special occasions and family gatherings to encourage the elders in your life to tell their stories and make notes or record those memories to cherish years into the future.

Research your family tree. No history is as personally relevant as your family tree.

Your ancestors hold the answers to exactly why you look like you do, and maybe even why you act certain ways. Online services make it easy to begin piecing together relations that date back generations.

Visit a cemetery. You may think of a trip to a cemetery as purely a chance to pay your respects to the departed. While visiting grave sites of loved ones you’ve lost and leaving flowers or other trinkets are common practices, you can also learn a great deal from a cemetery. Looking for surnames you recognize may alert you to members of your family tree you never knew or seeing dates etched in the stones may help you piece together bits of family history.

Digging into the past may be entertaining, insightful, inspiring or all of the above.

You may be surprised by all you can uncover once you get started. (Family Features)

August 2019 • Page 41

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Page 42 • August 2019

Welcome to Passaic Valley Life!

To receive your free copy of Passaic Valley Life dar direct to your email visit or Ce s in f k c e n h o i C at e Loc e! www.iwantmypaper.com and sign up!

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August 2019 • Page 43

Page 44 • August 2019

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