Livingston Life JAN 2020

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Livingston Renaissance Man Becomes Deacon at First Baptist Church in Millburn

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In attached photo he is third from right, next to his wife Carol Hines, second from right.

K

By Tazio Ruffilo eith Hines has been a local fixture in Livingston for nearly half a century. Through his work as Co-chair of the Livingston Committee for Diversity and Inclusion (LCDI) and 40 years at Carnevale’s Gulf Service Center Station on South Livingston Avenue, Hines is known as someone dedicated to service.

At the LCDI Hines sometimes donned a shirt and tie and put his head together with politicians and other local

leaders to identify and fix problems in the community. By day, at Carnevale’s, Hines put his skilled hands to work.

Through volunteer work and a career as a mechanic, he was able to do two things he loved to do, help people and work on cars.

“I grew up around cars, working at a gas station. I first learned how to help with little things,” says Hines. “Bleed the brakes, change the tires, stuff like that, and then I continued on page 2

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Page 2 • January 2020 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

Livingston Renaissance Man...

continued from front page started to get more interested. No school, no college, I learned on my own.”

Hines and the LCDI recently announced that he is retiring from his post at the community organization. Predictably, he has already found a new way to serve the people in his orbit. He was recently named a deacon at First Baptist Church in Milburn.

Keith Hines joins Richard Hines, pastor at First Baptist Church, a man who shares his last name and commitment to ministry. Pastor Richard Hines and Deacon Keith Hines, no familial relation, both report that they are brothers in Christ.

“He’s just a remarkable person,” says Pastor Hines. “He’s always helping people and asks for nothing in return.”

Altruism is a defining trait of Keith Hines. That is why he spent years at the LCDI, working on projects that both celebrate diversity and help bring the local community together. He wants to be in a position where he can affect change. That is part of what led him to First Baptist Church.

“On December 17th, 2017, it was the first time I visited First Baptist. My wife, Carol, and I fell in love. I didn’t grow up Baptist, but I felt like I had a place there,”

says Hines.

Over the last two years Hines has become indispensable to First Baptist Church.

If there is a problem, Keith Hines, the man who spent years attacking issues both in the community and under the hood, will lend a hand.

Pastor Hines knows what he has in Deacon Hines. He is thrilled to have a problem solver like Keith join him at First Baptist.

“I’ve been here for 44 years,” said Pastor Richard Hines. “And we’ve fought water for all 44 years. Keith is supervising the fix and trying to make a functional classroom.”

Getting to know each other over the last couple years, Pastor Hines is still consistently astonished by the things Keith Hines can do.

“He’s a master at seeing things that need to be done, and he knows how to fix them,” says Pastor Hines. “Keith has a knowledge of every technical subject.”

Deacon Hines helped identify a problem with the aging sound system, and according to Pastor Hines he helped modernize the church’s microphones and amplifier.

“We now have roving mics that were useful at a recent memorial service. People passing the microphone to say a few

words, Keith helped make that happen.”

Hines helped fix plumbing and electrical issues that have given Pastor Hines problems for years.

“He does it all,” says Pastor Hines. “Keith even did some masonry work for us.”

Deacon Hines does not only focus on the physical church. He also dedicates himself to the members of the congregation.

“There’s a veteran who was having difficulty getting to work. Keith helped him get

his car repaired. That’s the kind of thing that Keith is happy to do.”

When asked about some of the things he has done to help others, Hines responds like only a true altruist can, “They treated me very well in Livingston. And being a deacon is truly rewarding. I’m lucky.

I am blessed.”

First Baptist Church is located at 132 Spring Street (corner of Millburn Avenue and Spring Street), Millburn.

Did You Know?

M

odern-day fans of the National Football League, which is one of the most popular and most-watched sports leagues in the world, may aspire to one day see their favorite teams play in-person in the Super Bowl. While there may be nothing stopping fans’ favorite teams from making the big game, fans themselves might be priced out. According to Ticketmaster®, the average price for a Super Bowl ticket in 2019 was $3,295. But even that figure is something of a low estimate, as tickets to Super Bowl LIII between the New England

Patriots and the Los Angeles Rams were only sold in pairs, meaning tickets cost closer to $6,590, and that’s before hefty service fees were applied. For many fans, that price is simply too high. But the average fan hasn’t always been priced out of attending the NFL’s annual championship game. In fact, History. com notes that the average ticket to Super Bowl I, which took place on January 15, 1967, at the Los Angeles Coliseum, was just $12.

Perhaps even more surprising to today’s NFL fans? The inaugural Super Bowl did not even sell out.

Have an interesting story you would like to share?

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O

By: Megan Roche n East Blackwell Street in Dover, you’ll find a warm meal and a side of hope with a visit to Faith Kitchen. Located at 123 E. Blackwell Street (Trinity Lutheran Church), there is always a warm meal at lunchtime from 11:30-12:30 and positivity to be found for all in the community.

Faith Kitchen was started back in 1983. In 2005, it became its own 501c3 charity and still operates upstairs inside of Trinity Church.

They serve a nice lunch 6 days a week to anyone in need, no questions asked.

The line forms at their door by mid-to-late morning in anticipation of doors opening at 11:30 a.m. No matter what the weather is, people are out there waiting. Those who come are hungry, tired, cold and wet.

The outside elements wear them down. Some standing on the line outside the

Faith Kitchen Feeds the Souls of the Needy

door have waited tirelessly because this will be the only meal they’ll eat today.

Currently the kitchen is fully covered when it comes to groups or community organizations who want to serve meals, but the team can always use donations or benefit from fundraisers.

According to Executive Director of Faith Kitchen, Joanne Bleecker, “We have groups that come in each day to serve. They bring food, cook, serve and clean up. Since we do have a regular volunteering schedule of faith groups that serve here, we are blessed that we do not need to seek out individual volunteers for cooking and serving. What we need is volunteers to run paper drives for us. Any item collected helps to save us money and goes a long way in helping us feed those in need.”

After Faith Kitchen closes down for the day at 12:30

Family Owned & Operated

p.m., Edna’s Haven, a program of the Mental Health Association of Morris and Essex counties opens upstairs from 12:30-4:00 p.m.

Edna’s Haven helps people get referrals for services.

Once a month, the Zufall Mobile Medical Van also visits Faith Kitchen to help those on a limited income receive access to the medical care they need.

Bleecker, who has served as executive director for Faith Kitchen for 4 years, worked in corporate America in computer science. She has been a CIO and COO for midsize multi million-dollar companies. However, when she took over at Faith Kitchen, she discovered something close to her heart.

“The most rewarding part is making a big difference in someone’s day. It’s a joy and a blessing to get to know the people that come through our doors. Everyone has a life story. Listen-

ing to their stories, struggles and triumphs are critical in truly understanding their challenges. Empathy is always the first step toward developing a deeper, sincere desire to help. I am amazed every day by their resilient spirit.” Bleecker said.

While the kitchen is about community, that’s what also stemmed from the organizations need for a new logo. Wanting to get the community involved in its creation, they reached out to County College of Morris’ Art and Design department.

“We worked with Professor Yvonne Bandy, M.A., M.S., Associate Professor, Liberal Arts Division, Art & Design Dept. at CCM. We received 17 entries from her students and chose the design created by 21 year old student, Sebastian Torres.

We asked for both a black and white entry as well as 2-color to be used for a future t-shirt fundraiser and

other media uses. We felt it was a great opportunity to get local college-level art students involved in a charitable organization and they were able to design for a ‘client.’ We were so impressed with the creativity and the thought put into this project by these students.” Tammy Roselle, a Faith Kitchen board member said.

Working at a food kitchen may be taxing for some, but for Bleecker, this is one labor of love, one she personally understands.

“At this point in my career, I was drawn to the goodness and importance of nonprofit work. My parents are first generation Americans, and both knew what it was like to be hungry, so this cause is personally important to me. They taught me the true value of a meal, of a kind word and of extending a helping hand. I do my best to fulfill that purpose each day here.”

To learn more about Faith Kitchen, visit www. faithkitchendover.org.

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I Remember Dad, Chapter 3:

So Proud the Airman

With each condensed chapter of “I Remember Dad” I try to bring a bit of the flavor and culture of my Dad’s generation, that of the men and women who grew up in the Great Depression and survived the sacrifices of World War II in their time of coming of age.

D

By Richard Mabey Jr. eeply etched in the heart of America, are the sacrifices made by the U. S. veterans of the Second World War. Sadly, the number of living veterans of World War II has been dramatically decreased in most recent years. Many of their stories, their remembrances, their heart-felt sacrifices will never be known to us.

For a multitude of reasons, many of the veterans of the Second World War spoke very little of the horrors that they endured to defend the honored principles of democracy and freedom. Many of the World War II soldiers returning to America’s shores, simply wanted to forget the nightmares of the war. Many were truly modest of their selfless and heroic deeds. And, for many others, what they endured was simply too painful to talk about.

My Dad was a veteran of the Second World War. He served at Hickam Air Field, right next to Pearl Harbor. My father served in the Seventh Army Air Corps, which was the precursor to today’s Seventh Air Force. Dad was one of many, many service men who were sent to clean up the disastrous results of man’s inhumanity to man.

The painful memory of Pearl Harbor deeply haunted the good people of Hawaii. Dad would often tell me about the incredible stress that the men of the Seventh Army Air Corps endured, always anticipating another catastrophic attack from the Japanese.

My Dad in his U. S. Army Air Corps uniform.

I remember those years, when I was in grade school. After supper, I would be playing on the floor with my Lincoln Logs or building a car model. From time to time, Dad would be looking at his old photo album of pictures of his years of service at Hickam Air Field.

Sometimes, I would look up to my beloved father and see an expression of sadness befall upon his face. I remember one time, I’m pretty sure that it was when I was in the third grade, that I saw tears fall from my Dad’s eyes as he looked at the pages of his photos from his days in the Seventh Army Air Corps.

Dad never talked much about his time of service in the Army Air Corps. In recent years, I have done some research about the Seventh Army Air Corps’ role in the Second World War. I was amazed and justifiably proud of my dear father. The United States was very much concerned about Japan assaulting Hawaii with another all-out attack.

One of my deepest regrets is that I never told my father just how proud I was of him for serving in World War II. And, it saddens me deeply to admit that I never really thanked my Dad for defending America, at a time when he was just a young man. Although my father and I were very close and shared many common interests, I never simply said thank you to my father for his great sacrifice. I truly wish I had.

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Township of Livingston Honors Sally Cohen

By Steve Sears ivingston resident Sally Cohen was recently honored by the township for her 40 years of service to the Special Needs community.

“I really cannot remember exactly what started the whole ball of wax, but I do recall seeing a notice in the West Essex Tribune asking residents if they had any issues that they would like to address,” recalls Cohen, who along with a few others in 1979 then sought to improve parking and access for the handicapped in town. This group eventually grew into the Livingston Advisory Committee for Disabilities (LACD).

“This was something I felt drawn to and I felt that my own story about problems and issues of living with a disability would resonate

with other residents. Each person who attended this first meeting had a story, whether about school access, sports, special classes, transportation, job training, parking or other issues for themselves or their families. We then formed an agenda to keep the ball rolling. We delegated subcommittees to research the major problems and report back with potential solutions. Not only that, we also reached out to each other to find new sources of useful information.”

Cohen was notified a few weeks prior to receiving the citation, as it was necessary to find a date that worked for the town council as well as her. That date was Monday, November 18, 2019. “Many of our issues have been resolved,

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some with the votes of the Councilmen, others with school boards, some by raising awareness of a real problem and others in courtrooms,” affirms Cohen. “The passage of the Americans with Disabilities Act was a monumental assistance in raising awareness of ‘the right thing to do’ Some issues were easy for creative minds; others were more difficult and took much longer.”

The first project the group focused on was getting a ramp constructed at the former town hall building, and then their eyes went to Livingston Mall, seeking to provide handicap accessible parking and restrooms. Saint Barnabas Medical Center and the Livingston Public Library have also become more handicontinued on page 9

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Township of Livingston Honors... continued from page 7

cap accessible due to the group’s efforts.

Currently the LACD has also branched off into other areas, such as Autism.

The LACD not only benefits people with disabilities, but also helps their families as well. They’re not alone in the loving battle to make things better. To learn more about the group, visit www.livingstonnj.org.

“There is still a lot to do but we are proud that Livingston is a much more accessible place for people to live and raise their families,” says Cohen.

LACD Chairperson Bob Gebroe says of Cohen, “Our mission at the Livingston Advisory Committee for Disabilities is to improve the lives of people with disabilities and their families. Sally Cohen optimizes that quest to achieve our goal as a co-founder and 40-year member of the LACD. Her work with the special needs population has touched many hundreds, if not thousands of people over the years."

Did You Know?

The tech sector continues to experience record growth. CyberstatesTM, a report compiled by CompTIA that analyzes data from the U.S. Bureau of Labor Statistics, the U.S. Bureau of Economic Analysis, the U.S. Patent and Trademark Office, Economic Modeling Specialists International (EMSI), Burning Glass Technologies, Hoovers, PwC/ CBInsights, MoneyTree, and more, paints a

promising picture for careers in technology.

According to the report, there were 3.7 million tech job postings in 2018. Popular jobs in the industry included IT services and custom software services, telecommunications and internet services and tech manufacturing. The three states with the highest net percentage of tech jobs are California, Texas and New York.

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usic With Friends (MWF) NJ, a new music and concert experience, is slated to launch in Spring/Summer 2020 at the 511-seat Victoria Theater at NJPAC in revitalized downtown Newark.

The new membership-only private concert series will be the area’s first-of-its kind to offer an exclusive membership concert club experience.

MWF-NJ will feature great performances and private receptions at the small, intimate theater with legendary performers who typically play in considerably larger venues. MWF sister cities have featured Steely Dan, Doobie Brothers, Diana Ross, Earth, Wind & Fire, Tony Bennet, Crosby, Stills & Nash, Aretha Franklin, and Loggins & Messina, to name a few.

David Stone, a Millburn/

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“Larry started his own successful private concert club in 2006 in Charlotte, and subsequently in Houston.

After we met and became friends, I suggested that I license Larry’s club name, Music With Friends, and adapt my format to his template to ensure greater success using his resources, “commented David Stone.

“It’s as close to a perfect VIP experience as a music lover’s evening can get.”

“The ability to get away from life for a while, hang with friends and recapture the great feelings we experience within an intimate

venue is truly awesome!” stated David Bell, Music With Friends NJ Club Director. Bell comes to MWF-NJ, collaborating with Stone, after spending five years as the co-founder and General Manager of YB Fitness – a nationally recognized, full-service health club in Short Hills, New Jersey.

MWF-NJ Philanthropic Component The Music With Friends NJ annual membership cost, covering three private concerts per year, is a onetime only initiation/seat fee of $875 and recurring annual membership dues of $1800. Each member takes the same seat for each concert event. Dues will support up to five nonprofit 501(c)(3) organizations that are selected by polling the members and identifying the charity with continued on page 11

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 11

Music With Friends...

continued from page 10 the most votes.

“The concert clubs’ charitable component is an important aspect of our business model,” says club owner David Stone.” In addition to donating a significant portion of the net revenue from annual memberships to nonprofit organizations, MWF-NJ will be asking artists to donate all or part of their performance fees to charitable causes that are meaningful to them. In addition to donating revenue and/or artist fees to charity, a section of the theater will be reserved to provide seats to regional nonprofits to help raise additional funds.

The MWF-NJ club experience is open to a maximum of 450 members and includes a pre-show networking event with other members, featuring open bar service, upscale dinner stations, and hors d’œuvres, followed by post-concert dessert. The entire evenings activities and convenient underground parking are included with annual membership dues.

Background on David Stone Stone has produced his own philanthropic rock & roll concert series since 2009, originally with New York radio per-

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sonality Pete Fornatale until Pete’s death in 2012. Stone also manages Rock & Roll Hall of Fame inductee Richie Furay, founding member of Buffalo Springfield & Poco.

Stone has been committed to serving New Jersey residents with his wife & business partner, Nancy, through their retail shops in downtown Millburn, Nancy And David Fine Jewels, and a second shop, STYLE by Nancy And David at Footnotes. They reside in Short Hills and have been NJ residents since 1984. The Stones donated the street clock that stands at a busy intersection in the downtown area to the township of Millburn in 2005. “We believe in giving back to the community we serve and have done so through our local businesses and ongoing concert series through the years,” says David Stone.

Inquiries for Music With Friends NJ personal club membership or corporate sponsorship can be made by emailing Membership@MusicWithFriendsNJ.com, or by calling 973-671-8849. For more information, please visit www.MusicWithFriends. com.

The New Jersey Green Communities Achievement Award recognizes those nominees whose outstanding efforts have greatly contributed to the field of urban and community forestry in New Jersey. Exemplary work, whether public or private is eligible for the award program.

The Green Communities Awards recognize up to 4 recipients per year in the following categories: • Individual • Municipality • Business/Tree Care Industry • Non-profit/Non-governmental organization The criteria for nomination are: • Improving the environment in New Jersey’s communities through wise management of the trees and forest resources, and the development of a self-sustaining local urban and community forestry program.

• Raising awareness of the value of urban and community trees and forests in New Jersey through education and outreach.

• Enhancing the beauty of New Jersey’s cities and towns with programs and proj-

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• Providing exceptional effort and meritorious contributions to the field of urban and community forestry in New Jersey.

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Self-nominations are accepted and encouraged.

Winners will be asked to present and share their work during a session at the 2020 Shade Tree Federation Conference.

Nominations for the 2020 Green Communities Awards are due by 5:00 pm, Saturday, February 15, 2020.

Nominations must be emailed to Shannon Hart, NJ Urban and Community Forestry Program,Shannon.hart@dep.nj.gov. The subject of the email must state 2020 Green Communities Award Nomination. Questions may be directed to Ms. Hart at the email provided or 609-292-6512.

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Page 12 • January 2020 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

F

Project Help: A Key to Helping New Jersey’s Veterans on the Homefront

created Project Help. Project Help is designed to help veterans in need. Mitchell helps connect veterans to all sorts of organizations who can help with lawyers, mental and physical health issues, housing, and more. Project Help also offers financial assistance to New Jersey veterans who qualify.

“I am supposed to do this because of what happened in my life. It’s been a lot of hard work, but I have made tons and tons of contacts. I have grand visions of things to come and I am really excited about the organization. I have a good group of people who I work with and I think that we are all on the same track that we want to help veterans get through some of their darkest days and prevent as much tragedy in their lives as we can,” Mitchell said.

Project Help recently launched their Mobile Closet initiative. The mobile closet serves as a resource to veterans and their families. The converted school bus drives around the area and finds itself mainly outside colleges and career fairs to offer free interview clothing and career advice to local veterans. The bus also houses computers and printers for creating and printing recontinued on page 13

By: Megan Roche or Sandy Mitchell, beginning Project Help in 2016 was one of those lightbulb-going-off moments. After losing her husband to suicide after he came back from the Vietnam War, she picked up the pieces for her children. She attended school in the evenings and worked a full time job to support her family. She found that she loved helping others, but was never truly satisfied.

“I started this by myself and was determined that no matter what, this was going to be successful. I wanted to accomplish our mission, no matter what it took. My husband got out after 11 years in the military and when I lost him to suicide, I had three kids. It was also a real learning point for me, dealing with a tragedy. From losing him, I really had to make a decision of where my life was going to go. I could either pick up the pieces and move forward and create a life for myself and my kids or I was going to become a victim and be a complete and utter failure in my life. I really recreated my life after losing him,” Mitchell said.

With many stints with other non-profits and through starting some of her own, her true passion in life was unlocked when she

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continued from page 12 sumes. The bus was unveiled in late 2019.

“It’s been an amazing ride right now.

We have people calling left and right who want to volunteer or get involved. After launching the bus, it really became a launch pad for us. We have been getting a good bit of recognition lately, and it’s been really good for us,” Mitchell shared.

In addition to their mobile closet, they also host many fundraising events throughout the year. In December, the team works to collect Christmas cards for veterans and toys for children of veteran families. Many people comment on Project Help’s website about what the organization has meant to them.

“Project Help has been a huge blessing for me, after going through a couple of challenging years of losing everything and having no place to live. When I finally got my apartment, Project Help paid one month’s rent for me. Not only was PH ready to help but Sandy put me in touch with people/organizations ready to help a Veteran in need.

I’m so grateful for PH helping me at a pivotal, intricate time. Especially during the time when many of the larger organizations declined to help. Something that I will never forget about Project Help is that Sandy got to know me personally and she was able to connect me with amazing people who were

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 13

eager to help me and go far beyond the call of duty. As a Veteran, it is important for me to know that Project Help is supported and able to continue their work, because they truly have a heart to help Veterans.

Sandy, thank you times a million!” Rita, an Army veteran, posted on their website.

Mitchell’s work has become fulfilling for her in the best of ways. She is there for veterans, whether they need someone to vent to or by helping those veterans navigate problems in their life, she feels that she still has much to offer to these men and women who give their lives to defend our freedoms.

“Life is full of choices and you have to decide where you want it to go and what you want to do. I like to help these veterans come up with a plan for their lives.

If you help one person, you have done good, and there is always more good to be done in this world,” Mitchell said.

Project Help is always actively seeking new volunteers to join their expanding team. Volunteers can give as much of their time as they wish by helping out at fundraisers, handing out marketing materials, placing phone calls, updating data spreadsheets, and keeping their mobile closet clean and ready to go.

“In 2018, our target goal for volunteers was 50. Since most have limited time

and experience, our need is more than if we pre-qualified volunteers. Our best volunteers, often move on to joining a committee and some actually become board of director members,” Mitchell said.

The future of Project Help is bright. They have recently expanded their organization

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Did You Know?

very February people across the United States and Canada pay homage to prominent African American and black figures who have had impact on the world in various ways. Each year, athletes, doctors, film stars, writers, directors, and politicians are just some of the people highlighted as individuals of merit. The official observance of Black History Month, sometimes referred to as African American History Month in certain areas, is relatively recent, though the contributions of black people have been celebrated for centuries.

Black History Month evolved from Negro History Week, which was created in 1926 in the United States by historian Carter G. Woodson. Woodson chose the second week in February because it coincided with both the birthdays of Abraham Lincoln

(February 12) and Frederick Douglass (February 14). The prominent civil rights group The National Association for the Advancement of Colored People, or NAACP, was also founded on February 12 on the centennial anniversary of the birth of Lincoln. Each of these things makes February an ideal time to celebrate black history. Negro History Week continued through the 1960s and ultimately evolved into an entire month of celebrating on some college campuses.

However, Black History Month would not receive national recognition in the United States until 1976, when President Gerald Ford officially recognized it as an opportunity to honor the accomplishments of black Americans throughout history. Canada officially recognized Black History Month in 1995.

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Page 14 • January 2020 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

Investments You Can Feel Good About

Sustainable Investing: Making a Difference with Your Dollars

W

hen you look at your investment portfolio, how does it make you feel? Do you see the companies you are invested in contributing to make the world a better place? With sustainable investing, you can put a focus on investing primarily in companies with practices and policies you believe in.

Follow along to learn more about making your investment choices more sustainable.

Sustainable investing is going mainstream: Not long ago, discussions about sustainability focused primarily on recycling bins and renewable energy. These days, sustainability reaches to all parts of the economy and our lives, including our portfolios. And unlike impressions from the past, sustainability and profitability are far from mutually exclusive as many investors believe sustainable considerations can positively affect long term value.

Sustainable investing refers to a range of investment approaches that include environmental, social and governance factors as part of the overall investment process and approach. Such factors include environmental effects, worker treatment, product sourcing practices and corporate governance, among others. The overall objective of taking this approach is to gain a fuller understanding of investments, in an effort to change the world for the better in the long-term. The expectation is that you should not have to give up returns to invest sustainably—rather, sustainable investments should perform comparably to or better than conventional equivalents. Worldwide, 50 percent of investors expect higher returns with sustainable investments and 32 percent expect equal returns, according to UBS Investor Watch, “Return on values.”1 With the right direction and focus, sustainable investing allows you to build a portfolio you can feel good about.

Implementing sustainable investments: If sustainable investing sounds like something you want to implement in your portfolio, consider which of these broad approaches resonates most with you. Keep in mind that sustainable investing is not philanthropy—the objective is to generate competitive returns, not give away money.

Exclusion investing: Exclusion is an approach that removes exposure to specific companies or industries that

R

don’t align with your values. Common exclusions include alcohol, tobacco, weapons manufacturers and gambling related businesses.

Integration investing: Integration approaches focuses on incorporating environmental, social, and corporate governance (ESG) factors into the investment process, with the objective of enhancing one’s assessment of risks and opportunities. Integration investing may result in exposure to companies that don’t necessarily have a stated ESG focus, but which exhibit strong performance on environmental, social or governance metrics.

Impact investing: An expanding set of investment strategies aim to achieve intentional and measurable positive social or environmental change while delivering market rate or better returns. This investment style, called impact investing, is typically achieved through active fund manager involvement with companies—whether private or public—to achieve targeted change and deliver returns.

Investors can adopt full sustainable investing portfolios or incorporate individual equity or fixed income strategies into their existing portfolios over time. They can use any combination of the above sustainable investing approaches to shape portfolios in a way that meets their individual goals.

Building a portfolio you can feel good about Sustainable investing is growing in popularity. A 2017 McKinsey and Company study found that more than 25 percent of all managed assets are invested with sustainability in mind and that the use of ESG integration specifically is growing at a rate of 17 percent per year.2 Fifty-eight percent of investors believe sustainable investing will be mainstream in 10 years, and adoption of sustainable investing is expected to grow significantly, from 39% of investors today to 48% over the next five years, according to UBS Investor Watch, “Return on Values.”1 Sustainable investing is not an all-or-nothing proposition: You have the choice to take small steps toward sustainable investing with a few small changes in your portfolio or dive in with a more extensive approach.

But one thing is certain, your portfolio won’t become more sustainable unless you take action. UBS is here to

help.

1. “UBS Investor Watch: Return on values,” 2018, https://www.ubs.com/magazines/wma/insights/en/investor-watch/2018/return-on-values.html.

2. “From ‘why’ to ‘why not,’ McKinsey and Company, 2017, https://www.mckinsey.com/industries/private-equity-and-principal-investors/our-insights/from-why-to-whynot-sustainable-investing-as-the-new-normal.

For more information contact David M Rose, CRPc Portfolio Manager Director, Short Hills, NJ 07078 973-315-1857 This article has been written and provided by UBS Financial Services Inc. for use by its Financial Advisors.

ESG/Sustainable Investing Considerations: Sustainable investing strategies aim to consider and in some instances integrate the analysis of environmental, social and governance (ESG) factors into the investment process and portfolio. Strategies across geographies and styles approach ESG analysis and incorporate the findings in a variety of ways.

Incorporating ESG factors or Sustainable Investing considerations may inhibit the portfolio manager’s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. The returns on a portfolio consisting primarily of ESG or sustainable investments may be lower or higher than a portfolio where such factors are not considered by the portfolio manager.

In providing wealth management services to clients, we offer both investment advisory and brokerage services which are separate and distinct and differ in material ways.

For information, including the different laws and contracts that govern, visit ubs.com/working with us.

UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. Please visit our website at http:// financialservicesinc.ubs.com/wealth/E-maildisclaimer.html for important disclosures and information about our e-mail policies. For your protection, please do not transmit orders or instructions by e-mail or include account numbers, Social Security numbers, credit card numbers, passwords, or other personal information.

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Start the New Year off with Computer Classes at NCJW/Essex Center for Women

egistration is now open for February computer classes at the Linda & Rudy Slucker NCJW/Essex Center for Women. PowerPoint is scheduled on February 4, 11, 18, and 25, from 9:30 AM to 11:30 AM, and Intermediate WORD is scheduled on February 5, 12, 19, and 26 from 9:30 AM to 11:30 AM. Classes are open to all women regardless of religious affiliation who want to improve their skills for job positions or who would just like to learn for their own personal use. There is an $85 fee per course. Classes are held at the Linda & Rudy Slucker NCJW/Essex Center for Women 70 South Orange Avenue, Suite 120, Livingston and registration is required.

The Center for Women also offers low-cost career services for women who would like to enter or re-enter the workforce. Additional free services are available for displaced homemakers. A displaced homemaker is defined as a woman who has lost her primary source of income due to divorce, separation, or the death/disability of a spouse. The Career Services Program offers one-on-one job counseling, as well as seminars in career choices, resume writing, job search strategies, and interview techniques. For further information and to

register for these or other programs call the Center for Women at (973) 994-4994 or visit www.centerforwomenNJ.org. Please inquire about reduced fees and waivers.

The National Council of Jewish Women, Essex County Section, and the State of NJ Department of Children and Families Division on Women fund the Displaced Homemaker Program at the Center for Women.

The Linda & Rudy Slucker NCJW/Essex Center for Women is a nonsectarian, nonprofit community service sponsored by the NCJW Essex County Section that works to improve the quality of life for women, children, families, and the elderly through a variety of programs regardless of religious affiliation including career coaching, computer classes, self-empowerment workshops, and legal consultations. Lesley Greenstein of Summit is President of NCJW/Essex and Andrea Mintz of Livingston is Vice President of the Center for Women.

Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 15

Be Prepared When Natural Disaster Strikes

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mergency situations, especially those that pertain to natural disasters, can be difficult to recover from without proper planning, which is why it’s important to take small steps from the start to help protect your family.

With the change of seasons comes an increased risk of weather-related emergencies. This fall, Clorox has partnered with the American Red Cross to encourage everyone to be “Red Cross Ready.”

Consider these three actionable steps to get your household ready for an emergency: Prepare a kit: At minimum, you should have an emergency kit assembled with basic supplies. Depending on the circumstances, you may need to evacuate versus remaining in your home, which will affect the amount of supplies you need. A good rule of thumb is a three-day supply if you are evacuating and a two-week supply if you’ll be in your home.

Water: Keep one gallon per person, per day Food: Stock up on non-perishable, easyto-prepare items.

Disinfecting bleach: After a natural disaster, water may not be safe to drink. A few drops of an option like Clorox Disinfecting Bleach can be used to make water potable and can also help clean up mold and fungi from a buildup of excess moisture. Always pay close attention to the label to be sure you are following exact dilution instructions.

Flashlight (and extra batteries): Having a flashlight ensures that you’re able to navigate in the dark if the electricity goes out. Always keep extra batteries on-hand to power your flashlight and other items you may need.

First aid kit: In cases of emergency, firstaid supplies are crucial to help keep family

members as safe and healthy as possible.

Make sure to stock the kit with things like bandages, gauze and antibiotic creams.

Multi-purpose tool: Tools with multiple functions can be used for everything from cutting wire to opening bottles.

Sanitation and personal hygiene items: In addition to disinfecting bleach, it’s important to keep things like moist towelettes, garbage bags and plastic ties for personal cleanliness.

Make a plan: Discuss how to prepare with your family or household members and talk about the best ways you can respond to the types of emergencies that are most likely to happen where you live, learn, work and play. Identify responsibilities for each member of your household and how you will work together as a team. Practice as many elements of your plan as possible.

Be informed: As an emergency is unfolding, normal communication systems like phone lines may be damaged or overloaded by call volume. Consider downloading smartphone apps such as the Red Cross Emergency App for customizable weather alerts, the “I’m safe”feature and other resources. It provides instant access to information for handling common first aid emergencies. You can also get trained in first aid and CPR so you’ll know what to do in case emergency help is delayed.

After a natural disaster, a safe and healthy recovery is key. Listen to local authorities and take safety precautions in case of storm aftershocks. Only use cellular or landline phones to report life-threatening conditions, keeping lines open for emergency responders. Return to your home only when authorities advise it’s safe to do so, making sure to also have photo identification to prove residency.

Learn more at clorox.com/redcrossready.

Page 16 • January 2020 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

A

Christian Evangelical Participates in Operation Christmas Child

n annual tradition for Christian Evangelical Church in Livingston during this season is to participate in Operation Christmas Child which is an outreach ministry of Samaritan’s Purse, a non-profit organization headed by Rev. Franklin Graham.

Our tradition started many years ago by two new members of our church who wanted to look beyond our front doorsteps and make an impact, however small, in the world. Coming across a flyer from Operation Christmas Child, the two members presented our church with the idea of packing shoeboxes for children in need with necessities and small toys. We were able to collect about 10 boxes that first year.

Fast forward, to November 2019, our church came together once again to participate in Operation Christmas Child and we packed and collected a total of 174 boxes! The process started with children from our Christian Service Brigade (our Teen ministry) who put together the actual boxes by folding and stacking the empty boxes neatly so they’re ready for filling.

They also helped cut and tape labels onto

the boxes for identifying the age group and gender of the box to be filled. Members of our church throughout the months of October and November, brought in items such as toothbrushes, combs, wash cloths, soap, pencils, pens, crayons, notebooks, stuffed animals, hair accessories and small toys. We had a great time forming an assembly line to fill the boxes. Adults, teens and even young kids helped out and were filled with excitement seeing the empty boxes get stuffed with the donated items.

When we were done, we could see the abundance of boxes we put together by the huge stacks in our main sanctuary.

Before delivering the van load of boxes to the drop-off location, we prayed over the boxes. We asked for God to bless them and use them not just in providing children with some needed material items but also to provide them with a way to hear the good news of the love of God. This tradition started out small but through the years, it has become a joy to see God’s provision and blessing not just in the Operation Christmas Child ministry but also in our home church in Livingston. We will

continue this annual tradition and pray for others to come and share the wonder of giving through this ministry.

For more information on Christian Evangelical Church in Livingston, please visit our website at www.ceclivingston.org.

continued on page 4

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Page 18 • January 2020 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

Winter Skin Care 101

Photos courtesy of Getty Images

C

old weather can take a real toll on your skin. Dry skin can lead to discomfort and, if neglected, can affect your skin’s elasticity and trigger outbreaks of irritated

skin.

Help keep your skin feeling healthy and hydrated this winter with these tips: Drink water. Hydrating your body from the inside out plays an important role in keeping skin supple and soft.

When you’re dehydrated, the body pulls water from any source it can, including your skin. A good rule of thumb is at least 8 cups of water a day.

Hydrate with food. You can also boost your internal water reserves by eating foods rich in water, nutrients, vitamins and beneficial fats and oils. Fish, nuts and avocados all contain plenty of essential nutrients that help promote well-hydrated skin. Foods like cucumber, zucchini, lettuce and watermelon also naturally have a high concentration of water.

Use body lotion. Your skin naturally loses moisture throughout the day through evaporation, but you can help trap the hydration you add from bathing by adding a layer of quality lotion. An option like Remedy Dermatology Series Moisturizing Body Lotion contains a proprietary botanical blend of nutrients, emollients and antioxidants, including green tea, clove and safflower oleosomes. Its

smooth, rich formula absorbs quickly, leaving skin feeling soft with no greasy or oily residue. Formulated by skin care experts, the lotion helps skin stay moisturized for up to 24 hours and is free of 80 of the most common allergens that contribute to rashes and skin sensitivity. Learn more at remedyderm.com.

Protect skin. Exposure to harsh weather can quickly dry and chap your skin, so any time you’ll be outdoors, especially for extended periods of time, be sure to cover up exposed areas. Keep an extra set of gloves and a scarf in your vehicle so you’re prepared for unexpected time outdoors, whether from an accident or impromptu stop at a local park for some fresh air and exercise.

Change out of wet clothes. Always remove wet clothes as soon as possible. Not only do cold, wet clothes affect your body’s ability to regulate internal temperature, they can create friction that leads to uncomfortable and painful skin irritation. If getting wet is unavoidable, consider layering your clothing so you can shed wet outer layers quickly before they can soak through.

Use a humidifier. The indoor climate becomes considerably drier in the winter months when the furnace runs regularly. Using a humidifier can help restore a level of humidity that’s better for your skin. Aim for humidity levels in the range of 35-50%; depending on your climate, you

may need to err on the lower side of the scale to reduce condensation on windows.

Wear sunscreen. Winter sun rays are just as strong as summer rays, even if you don’t feel their heat quite as much. In fact, snow burns that result from sun reflecting off the snow can be even more dangerous than regular sunburns. Protect your skin from burning and drying out by using sunscreen with an SPF of at least 15 any time you venture outdoors.

Lotion Do’s and Don’ts Do use lotion, even when your skin doesn’t feel dry.

Experts say you should apply moisturizer onto damp skin to help lock in any water sitting on the surface before it evaporates.

Don’t use too much. Quality moisturizers are highly concentrated and designed to be effective without a thick layer. If you use too much, it’s more likely to sit on the surface of your skin, occlude the surface and potentially trigger breakouts.

Do look for products that match your skin type. While there are common allergens that are present in many lotions, an option like Remedy Dermatology Series Moisturizing Body Lotion is free of parabens, fragrances and aloe that can irritate sensitive skin or allergies.

Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 19

A

4 Tire Tips to Prepare for Winter

mong the many daily necessities that tend to take a backseat during the cold days of winter, driving is one of a handful directly affected by the weather.

From slick roads caused by ice and snow to cold temperatures that can wreak havoc on certain parts of vehicles, even a simple commute to work or school may become a more treacherous activity.

While staying home is the only surefire way to avoid the pitfalls brought on by winter’s chill, there are precautions you can take and ways you can enhance the safety and performance of your vehicle before hitting the road.

Perhaps the most productive way to protect yourself and your family is to make sure your tires are in a safe condition heading into winter. Consider these tips from the experts to help ensure you’re winter ready.

Check Your Tread Tread depth plays an important role in determining your vehicle’s safe stopping distance. A tire with low tread, for example, would likely lead to a vehicle with a shorter stopping distance than a tire with proper tread depth. Checking your own tread depth is relatively simple: Stick a penny upside-down in one of the grooves, and if

President Lincoln’s entire head is visible, it’s time to replace your tires.

Ensure Proper Tire Pressure The air inside your tires supports the weight of your car, and as outdoor temperatures drop, so does your tire pressure.

In fact, for every 10-degree drop in ambient temperature, your tires lose about 1 pound of pressure. Keep a tire pressure gauge in your vehicle so you can always make sure each tire is filled to the manufacturer’s recommended inflation level (typically located in the instruction manual and on the inside of the driver-side door), or stop by a tire store, such as your local Discount Tire, for a free air check.

Rotate Tires Often Standard recommendation is that tires should be rotated every 6,000 miles, or earlier if irregular or uneven wear develops.

One easy way to remember is to have your tires rotated every other time you have your oil changed.

Invest in Winter Tires At 45 F ambient temperature, you can begin to see your breath; this same temperature is when all-season tires can start to lose traction and grip, which is why winter tires are encouraged for cold-weather

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driving. As an essential safety feature, winter tires can deliver a 25-50% increase in traction over all-season tires, which could be the margin you need to brake in time to avoid trouble.

Because they’re designed to maintain better traction and gripping capabilities in colder conditions, winter tires provide more control than all-season tires in situations involving snow, ice and low temperatures. For example, in extreme cold, the tread rubber of an all-season or summer tire can stiffen and become less able to provide sufficient

traction. In contrast, tread rubber compounds of winter tires are designed to remain flexible, allowing the tire to better grip the road with thousands of extra traction edges. Plus, the softer rubber of the tire surface allows the tires to stay pliable and maintain contact with the road.

To find more information or the closest tire store as you prepare for winter travel, visit Livingston Tire at 973-533-0101 www. livingstontire.com. (Family Features).

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E

5 Tips to Refresh Your Home in the New Year

ach new year gives you the chance to reset and start new routines. When you’re considering new approaches to healthy living – whether eliminating or adding habits to improve your daily life – beginning with your home is an optimal choice.

Your living environment has a strong influence on your life, and it’s worth evaluating how you can make updates that create a positive space for you and all that the new year will bring. Consider these ideas to refresh your home and simplify your housecleaning routine so you can spend more time focusing on your goals this year.

Start by Decluttering It’s practically impossible to get excited about a fresh start when you’re surrounding by last year’s junk. Make decluttering and purging unnecessary items a top priority for your refresh. Clear counters and tables to create more inviting surfaces and force yourself to assess which items are worth keeping.

Get rid of items you don’t need by donating, selling or disposing them. Tackle piles of things you’ve carelessly tossed aside and find (or create) purposeful places for them to belong.

Simplify Your Laundry Routine Whether it’s the frustration of having no clean laundry or never-ending baskets filled with clothes that need folding, laundry is an

area where nearly every home can use a refresh. Start with the basics to make laundry easy and quick. A streamlined laundry system starts with the right tools for the job, such as all Mighty Pacs, which are available in several varieties with different benefits and contain single doses of detergent that release while inside your machine, so you can simply toss one in and start the load.

If you have sensitive skin, try all Free Clear, the No. 1 recommended detergent brand by dermatologists, allergists and pediatricians for sensitive skin. It’s gentle and works through tough stains fast.

Create a Fitness Space One way to stay committed to a new workout regimen is to create a place where you enjoy spending time. Even if you don’t have a room to dedicate to fitness, you can make a fitness corner feel more intentional and less like an afterthought with some simple changes. If possible, locate your fitness area near a window so you can soak up the energy of natural light. Clear away unnecessary items and make room for the equipment or floor space you need. Add inspiring posters or make frames to hold your current workout guide. Add storage for hand weights, resistance bands and other small equipment to create your own home gym.

Reconfigure Your Furniture A full-fledged renovation may not be

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in the cards (or budget), but you can give your living space a quick facelift by simply rearranging the furniture. Beyond simple aesthetic changes, think about how you can make better use of natural light and improve traffic patterns. You might also eliminate extra pieces if the space feels overcrowded or consider borrowing functional items that add storage or seating from other rooms in the house.

Add Greenery The middle of winter may not seem like

an ideal time to hone your green thumb, but adding a few plants can make your home feel more inviting and chase away the cold weather blues. Plants can also help serve as a natural air purifying system; they absorb carbon dioxide to help stimulate their growth and are believed to absorb a host of other airborne pollutants.

For more ideas to simplify your routine this year, visit all-laundry.com.

(Family Features)

Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 21

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June 2019

Roxbury Teen Helps Save

Route 80 Motorist’s Life

By Elise Phillips Margulis with, he knew from medical hristopher Caccavella, school that 17, was when a person’s face is purple, they are cydriving to Morris County School of anotic--suffering from oxygen deprivation.

Technology when he encountered The man had a car that was blocking no pulse but his body was his lane 80. He saw that the driver’s on Route warm so Mazpule knew that the man had body was recently suffered slumped over the steering a cardiac arrest. wheel, pulled The surgeon started doing over immediately and chest comcalled driver was barely breathing. #77. The pressions and explained to Troiano how to Just then administer oxygen. another driver, Denville Soon the police arrived attorney Matthew and gave the motorist Narcan, an Troiano, pulled over. opioid antagonist that partially Caccavella said he was nervous or completely because reverses an opioid he had never been in a overdose. situation like that The driver began to regain but knew he had to do conscioussomething. “I was ness and started moving a bit, but just at the right place at Mazpule the right time. I knew they had to continue the CPR knew the driver needed help so I decided while. for a Mazpule took the oxygen to help him. I didn’t know from the how condition was when I stopped.” serious his police officers’ emergency kit and administered it to the motorist.

Fortunately, Dr. George By applying an Mazpule, a Automated External Defibrillator, Mazpule over to see what was wrong. All three gastrointestinal robotic surgeon at HUMC determine were modest and just d and The Valley Hospital, happy they could also stopped to in- defibrillati that the man did not need play a part in helping the man. He’s also on. vestigate the situation. The car doors were fortunate that one of the After ten to twenty seconds locked so they broke the concerned fellow the victim motorists car window with a had a was a doctor. pulse and began coughing golf club that Mazpule had so Mazin his car, pulled pule pulled Caccavella doesn’t see him up into a sitting positi the man out through the himself as a on. window hero but is glad he was During questioning, the formed CPR on the unconsciou and perthere to assist police learned the s motorist surgeon. that the By pulling his car over man had taken Kratom until the paramedics arrived. and which is calling #77, a psychoactive herbal extract he was able to summon The motorist who was that the stimu- ambulance slouched over lates the (and Mazpule) quickly. same opioid brain receptors his steering wheel is a The 24-year-old deliv- morphine as doctors at the hospital does. The effect of the herb eryman for Hansel ‘n Griddle agreed that the mowas torist would have in Denville. still apparent. died if he hadn’t received Although Mazpule’s positi on as a robotic Clare’s HospitalThe victim was taken to St. treatment when he did. surgeon doesn’t involve in Denville.

CPR and reviving The The Roxbury police officers motorist was very fortunate patients like the one he called that his school to was presented Caccavella explain why he would , Troiano and Mazpule be pulled late for class.

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Top 10 Travel Destinations to Start the New Decade

F

or many, traveling offers an opportunity to disconnect from the everyday and experience new places and cultures. With the beginning of a new decade, it is the perfect time to start deciding your next travel adventures.

When booking your future destinations, consider these spots and tips recommended by travel expert and Bank of America ambassador, Lee Abbamonte, the youngest American to visit every country plus the North and South Poles.

England, Germany, Scotland, Azerbaijan and more While technically more than one place, these locations have one thing in common: Union of European Football Associations (UEFA) Euro 2020. The international soccer event marks the first time the games will be held across the continent in 12 host cities.

“The year is a big one for sports,” Abbamonte said. “From sporting events in Europe to Japan, it is a fun year for travel and to enjoy once-in-a-lifetime experiences.”

Australia From its deserts to tropical beaches, Australia is a beautiful country to explore.

While many people might be familiar with the Sydney Opera House and the unique wildlife, there are many hidden gems in Australia.

“I’ve been to Australia 10 times and I still can’t get enough,” Abbamonte said.

“One of my favorite cities is Melbourne.

While it’s one of the largest cities in Australia, the heart of the city is hidden and secretive. It comes to life when you visit the alleys, laneways and arcades. The vibrant city has so much to offer: cafes, a unique street culture and street art.”

New Zealand If you are going to New Zealand for the first time, Abbamonte recommends boogie boarding down the sand dunes, hiking up a volcano and visiting the Moeraki Boulders.

However, if you are really interested in getting the blood pumping, take a leap from Nevis Bungy near Queenstown. It is among the highest bungy jumping experiences in the world, measuring 440 feet.

Mexico “Mexico City has two of my favorite things – great food and sports,” Abbamonte said. “The street tacos are to die for, and I love going to soccer games at Estadio Azteca.”

In 2020, there will be many festivals to explore. The city is a cultural hub with music, theater, dance and food events throughout the year. While experiencing the festivities, it is also an opportune time

to take a step back and enjoy Chapultepec Park.

Brazil One of Abbamonte’s favorite waterfalls is Iguazu Falls located on the border of Brazil and Argentina. While Iguazu Falls might be well known, the falls themselves are truly unique. The waterfall system consists of 275 falls that stretch over approximately 1.68 miles. The Devil’s Throat is the tallest fall with a drop of more than 262 feet.

While traveling internationally can be fun and exhilarating, there are also places throughout the United States that offer memorable activities: Scottsdale, Arizona If you enjoy being outdoors, Scottsdale is an ideal place to visit. There are many trails to explore in Camelback Mountain, Papago Park and Hole in the Rock. After hiking, follow Abbamonte’s example and golf at The Short Course at Mountain Shadows.

“Scottsdale has some of the most beautiful sunsets in the States, and from The Short Course at Mountain Shadows, I get to enjoy the view while practicing my swing,” he said.

Boston, Massachusetts “I love sports, so I visit Boston regularly for the professional games,” Abbamonte said. “I’m also fortunate that Boston is a beautiful city I can enjoy along the way.”

Boston is one of the oldest cities in the country. Founded in 1630, Boston is filled with history, museums and universities.

If you are interested in a more unique attraction, check out the Warren Anatomical Museum, which is one of the last of its kind in the United States.

Portland, Oregon What makes Portland unique are the bizarre and wonderful things you can do when you visit. For example, you can try bone marrow ice cream, stop by Mill Ends Park (the world’s smallest park) or attach your wish to The Wishing Tree.

“Portland is absolutely beautiful,” Abbamonte said. “It has a bit of everything – restaurants, bars, parks – and I enjoy the people watching. Portland has some of the nicest people while maintaining an edgy vibe.”

Tampa, Florida Tampa might be known for its spring break party scene, but it has so much more to offer. For example, the city’s zoos and aquariums provide opportunities to interact directly with animals. Then you can take a break at Clearwater Beach, which is known for its soft, white sand and calm waters.

Santa Barbara, California “I go to Santa Barbara when I want to recharge,” Abbamonte said. “I enjoy the food, walking around, talking to the locals and even watching a football game or two.”

There are wine tours, zoos, beaches, museums and restaurants. While taking in the city, also make time to visit the hidden gems such as Knapp’s Castle ruins.

Find more solutions to make your travel goals attainable at bankofamerica.com/ Premium.

Financial Tips to Help Boost Your 2020 Travel When booking a trip, almost half (44%) of Americans don’t use a rewards credit card that earns points or cash back, according to a Bank of America survey. No matter where you plan to travel, it is helpful to have a financial strategy in place to maximize rewards and help offset future travel costs.

Use a credit card that allows you to earn and redeem points for travel such as the

Bank of America® Premium Rewards Visa® credit card, which earns 2 points for every dollar spent on travel and dining purchases and 1.5 points for every dollar spent on all other purchases.

Layer your rewards programs together to maximize points with each purchase.

For example, when booking a flight and hotel package, include your frequent flier number (layer No. 1) and hotel loyalty program details (layer No. 2). Pay with a rewards credit card (layer No. 3) that’s eligible for bonus points with a banking rewards program (layer No. 4).

A banking rewards program like Bank of America® Preferred Rewards lets you earn even more. Members receive a credit card rewards bonus of 25-75% on every purchase. For example, members in the Platinum Honors tier, the highest tier of the program, earn unlimited 3.5 points per dollar on travel and dining purchases with the Premium Rewards Visa® card and unlimited 2.62 points on all other purchases.

(Family Features)

Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2020 • Page 23

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