The Millstone Times February 2020

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February 2020

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IN THIS ISSUE: Family Matters. ................................. 10 Home Improvement............................ 14 As We Age. ........................................... 20 Real Estate......................................... 34 Health and Wellness........................ 48 Kids . ................................................... 62 Food and Dining.................................. 69 Automotive . ....................................... 74 Pet Pages............................................. 80

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New Data Shows Income Increased in 14 States and 10 of the Largest Metros According to the US Census Bureau, the Median household income for the United States and 14 states increased significantly in 2018 from the previous year, according to U.S. Census Bureau data released. The 2018 American Community Survey (ACS) shows that median household income rose between 2017 and 2018 for 10 of the 25 most populous metro- politan areas. Median household income for the nation has been increasing every year since 2013, but the year-to-year increase from 2017 is smaller than the prior three years. However, the Gini index of income inequality was significantly higher during the same period for the nation and nine states. The ACS provides detailed estimates of demographic, social, economic and housing characteristics for states, congressional districts, counties, places and other localities every year. The estimates contained in a report released today are primarily based on the 2017 and 2018 ACS. All the dollar estimates in this story have been infla- tion-adjusted to 2018 dollars. Median Household Income: Historical Comparisons

Real median household income in the United States increased 0.8% to $61,937 be- tween 2017 and 2018. Median household income for the nation has been increasing every year since 2013, but the year-to-year increase from 2017 is smaller than the prior three years. Previously, increases ranged between 1.8% and 3.3% annually. This was the second consecutive year that U.S. median household income was higher than 2005, when the ACS was fully implemented. Median household income in 2018 was higher than 2005 median household income for 31 states and the District of Columbia and lower in five states and Puerto Rico. In 14 states, differences were not statistically significant. This was also the second consecutive year that U.S. median household income was higher than median household income in 2007, the year before the latest recession. It was also higher than before the recession in 20 states and the District of Columbia. Median household income in 2018 was still lower than pre-recession median house- hold income in nine states and Puerto Rico. In 21 states, differences were not statisti- cally significant.

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February 2020

Veterans Association Gets Biggest Budget Increase Ever! According to Veteran Care Services in Lakewood, New Jersey, The VA budget got its’ largest ever budget increase. The $217 billion budget for VA operations is more than a 9% boost for the agency. Three-fifths of the budget consists of mandatory spending on medical benefits and disabil- ity with $92 billion going towards discretionary spending, an increase of 6%. The budget also includes $125 million for processing “blue water” Navy veterans claims. This money will go towards hiring new staff and paying for overtime. Benefits are estimated to be over $6 billion. Other figures in the new budget include: $80.2 billion for the Veter- ans Health Administration which incorporates $9.4 billion for mental health, $222 million in suicide prevention and $330 million in rural health initiatives. Additionally, $11.8 billion will go towards homeless veteran assistance and $9 billion for health care outside of VA facilities. However, they do reassure that the VA will continue to improve the VA facilities and services even while allowing medical care to be sought out- side of the VA. With the new, increased budget, many hope those that served our country with bravery and distinction will receive the care they deserve.

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The Logic of Logos and Catchphrases By Pam Teel

Some of the most famous logos around the world have hidden messages. Some are pretty noticeable, while others are not that easy unless pointed out. First impressions matter in many things, including branding and logo design. When a customer sees your logo for the first time, they should be able to look away and then draw at least a rough semblance of it from memory. They also should be able to recognize it if they see it again, but they’ll never get to a level of comfort if they have a negative first impression. The bottom line is that your logo must be visually striking, impactful, and memorable from the first time somebody sees it. If you can accomplish those things, you’ll be well on your way to creating a visually effective logo. Take the Quicksilver logo. The logo is actually based on the famous 19th century woodblock print by Hokusai labeled, “The Great Wave of Kanagawa.” The painting hides Mt. Fuji in the background set within the crest of the wave and is exactly the image that quicksilver’s logo simplifies and depicts. The brand logo was designed in 1973 by founders Alan Green and John Law. Quiksilver is a brand of surf-inspired apparel and accessories that was founded in 1969 in Torquay, Australia, but is now based in Huntington Beach, Cal- ifornia. It is one of the world's largest brands of surfwear and boardsport-related equipment. The company changed its name in March 2017 fromQuiksilver, Inc. to Boardriders, Inc., and it is the owner of the brands Quiksilver, Roxy and DC Shoes. The company also produces a line of apparel for young women, under the Roxy brand. The Roxy logo con- sists of two copies of the Quiksilver logo, one reflected, forming a heart. Another line of apparel for women is under the brand Quiksilver Women. Wendy’s - Was founded in 1969 by Dave Thomas. The logo depicts a drawing of his daughter Wendy. If you look closely around the collar, you will see the word mom. Thomas wanted to create a homey feeling in the fast food industry. It’s not just fast food but comfort food just like you get at home. Hyundai - This South Korean logo is actually an abstract image of two men shaking hands. It may look like the first letter of the name Hyundai but it was actually meant to symbolize the company and the customer shaking hands. Pinterest - the logo – the p within the circle resembles a pin. Tour de France - Hidden within the logo is the image of a person bicycling. Look closely at the letters “our” and the orange dot. Toyota - every letter within the word Toyota is hidden in the logo. The T is center, the o is the outer ring, the y is also made of center rings and the A is right in the middle. A big stretch of the imagination is you ask me.

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February 2020

Tim Rohrer: I Have A Dream By Pam Teel

Timothy Rohrer had a dream that he wanted to be like Martin Luther King, only to be the voice for people with disabilities. If you recall last January’s article in The Millstone Times, “Tim’s Story,” Tim discussed how hard it was for him, diagnosed with autism at age seven, to fit in socially with his peers, whether at school, at work, or during any social events. Tim faced many life challenges growing up with autism, but the one that affected him the most was feeling socially isolated and different from neurotypical people. He had always dreamed of just being one of the guys, getting invited to the same parties as others, or sitting at the same lunch table with classmates, but sadly, on more occasions than not, he wasn’t included. Tim felt socially isolated, which made him feel even more lost and uncomfortable in situations. As he got older, he could hold his own academically but not socially. On his own, Tim wrote up a pamphlet titled, “How to be a Good Influence to People with Disabilities.” It’s a guide with 10 simple pointers about how you can help and include people with disabilities. The pamphlet has become an international sensation. And has been used in numerous schools including a school in Latvia where it was translated into their language. “Social isolation is negative,” Tim stated. “If it keeps occurring among people with disabilities’ it can put their life, their education, their safety and health, their employment, and their self-esteem at risk.” Tim’s dream to be a voice for people with disabilities is coming true. At first, he had hoped he could reach people locally by talking in public schools and local municipalities about inclusion, but Tim had no idea that his work would reach out to people worldwide. Since the first article in The Millstone Times paper, Tim’s life has taken off in many rewarding directions. He has been getting countless offers to speak in schools and at other events. He has already spoken at the Millstone and Up- per Freehold Schools. He was featured twice on the front page of the Asbury Park Press. After his article was seen in Gunther Publications, Ask the Doctor Magazine, Tim was asked to be the opening speaker for the Monmouth County Division of Mental Health. He brought tears to everyone’s eyes, with the Director commenting that he was going to change the world. At the conference a Monmouth County freeholder was so impressed with Tim that she has the County working with him to collaborate on making his pamphlet into a coloring book for kids to distribute at schools. She also arranged for Tim to meet in front of the Monmouth County Superintendants this past December. They loved him so much he was invited to speak at some of the schools. Later this month, he will speak to the NJ State Executive Superintendants for each New Jersey County. Every Time Tim speaks, the audience is captivated. The best part to him, after giving his speeches, is his interac- tions with the students. They ask him a lot of questions and they learn a lot about what it feels like to be left out of something. Tim is truly making an impact everywhere he goes. He still feels like there are many kids out there facing social isolation and the more people he can reach and educate the better off those people with disabilities will be. In addition to speaking for the Division of Mental Health this past November, he was the Plenary speaker for the NJACP (NJ Association of Community Providers), making a great impact on all age groups with disabilities. There were adults with disabilities at the conference that came up to Tim and told him that he was their heart and soul and voice for them all. Tim is not only reaching the youth with his vision, but all ages and all communities and places all over the globe. Tim was featured in a 3 page lay-out in a magazine called Special Sources in Nevada. His story has also been shared on Graham Media in Texas and on TV news sites in Florida, Michigan, and Virginia. He is also a guest writer for a local online newspaper. This past September, Tim received a Certificate of Commendation from the NJ State Senate and Assemblymen.

Just recently after meeting again with the President of the New Jersey Coalition of Inclusive Education, who saw to the publishing of Tim’s guide last year, it was decided that he would bring Tim on as a consultant and they would create lesson plans and presentations with Tim’s work that will eventually be placed in schools. Tim’s life has completely changed. He has made new friends through the Crossroads Youth Group in Allentown where he was given the opportunity to speak in front of the other members there. From this, he gained a lot of confidence speaking in front of people, which led him to go on to speak at the local schools. Tim’s girlfriend Claudia, who also has autism, completely supports him. Like Tim, she went through the same isolation that he felt growing up. The two met at the Monmouth County Career Center where they attend classes. Tim also takes computer Graphics at Mercer County College and is working part time at the Shop Rite in East Windsor. We here at The Millstone Times have no doubt that Tim will change the world with his vision! His Tim Rohrer- Tips4inclusion facebook page is followed by people as far as Australia, Indonesia and the Philippines. Tim has also created a website that has a wealth of resources about inclusion. https://tips4inclusion.wixsite.com/disabilityinclusion- you can contact Tim, read his past articles, read the guide that he wrote and more! Tim also started a new you tube channel and has video’s of his speeches posted called- Tips4inclusion. Timothy’s hope for the year 2020- to be the decade that people with disabilities be included socially all over the world. Let’s help make that dream come true! “Approaching someone with a disability is more than just feeling sorry for them. It’s about giving them compassion, friendship and love.” - Timothy Rohrer

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Did You Know…? By Pam Teel

Did you know a Coney Island sideshow actually was instrumental in saving thousands of premature babies’ lives? Coney Island, in the early 1900’s, featured all kinds of side- shows like the bearded ladies, the sword swallower, the world’s tallest man, and various other freak shows. Amongst these shows was an exhibit of tiny premature human babies lined up in glass incubators. The charge was 25 cents to get in to see them. The brainchild of this particular exhibit was Dr. Martin Couney. He created and ran two incubator babies exhibits from 1903 to the early 1940’s. Dr. Couney was one of the greatest champions of this life saving technology and he is credited for saving thousands of tiny lives of premature babies. The actual first doctor to use an incubator for preemies was a French obstetrician name Stephan Tarnier. After seeing an incubator warming baby chicks at a Paris zoo, he won- dered if the same could apply to the preemie babies, who were most likely to die of hy- pothermia in the hospitals. Though these incubators were simple and not yet fully devel- oped, the good doctor strived to tell other doctors that incubators could be the difference between the life and the death of a child. After his death, a second generation of doctors refined the incubators adding ventilation and thermostats. They spread the word about them in Europe through various expositions and fairs. French born Couney first saw one of the premie incubators in Europe and got the idea to bring the new technology to America. Couney was born Michael Cohn and was a German-Jewish immigrant. He was a pioneer in neonatology. People called him Dr. Couney though it has been questioned on whether he ever finished his college work to actually become a physician. He was best known for helping parents with premature babies by placing them in the many neonatal incubators he purchased. The incubators were not in the hospitals at that time. Couney came up with an idea to make money to take care of the preemies by placing them in a sideshow. The money that he charged was used to care for the babies so the parents wouldn’t have to pay.

Dr. Couney holding one the the thousands of babies he had saved.

When the rate of success of Couney’s preemies, compared to the local hospitals, became known, parents would take their pre- mature babies to Couney to be put in the incubator. His own pre- mature daughter spent a few months in one. With the money he made from the sideshow, Couney also had around the clock care for the babies. Doctors and nurses attended to them 24/7. Couney had maintained a better standard of technological care then they had at that time in the hospitals. Couney’s higher pur- pose was to show the marvelous new technology and how it could save the lives of thousands of fragile young children. He prodded the reluctant establishment to embrace the new technology. It wasn’t until after his death in 1950 that incubators started to be common in hospitals. Couney’s sideshows saved over 7,000 preemies. Later in life, many of those babies that were saved went back to meet him and became good friends of the doctor.

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February 2020

Q: LEADERS IN LEAST INVASIVE PAIN & SPINE PROCEDURES How can Platelet Rich Plasma Treatment Help Shoulder and Knee Pain?

A:

Platelet Rich Plasma Therapy also referred to as PRP Therapy, is a progressive non-surgical treatment to treat a variety of conditions including arthritis, ten- don injuries, and ligament injuries. PRP is part of a group of state-of-the-art treatments collectively referred to as Regenerative Medicine. PRP treats an injured area naturally using your body’s own growth factors to accelerate healing. It has been shown to be safe and effec- tive for numerous joint and soft tissue injuries. It has been extensively researched in numerous medical journals and publications all over the world. Some of the many uses of Platelet Rich Plasma include osteoarthritis (degenera- tive arthritis) of the spine, knee, shoulder, hip, hands, and feet, as well as menis- cus tears, plantar fasciitis, and rotator cuff tears. The procedure is simple and is performed in the office. The PRP process begins when a small amount of the patient’s blood is removed from the arm and placed into a special container. The blood is then placed into a device called a centri- fuge which spins the blood to help the separate the portion of the blood which becomes concentrated with platelets, thereby giving the procedure its name. These platelets are important because they release growth factors to recruit stem cells and to assist in healing an injured area naturally. Once the PRP is isolated, it is injected to the injured area under the guidance of an ultrasound machine to help accelerate healing and reduce pain.

This healing works on the simple principle that your body is perfectly capable of healing itself. Your blood contains all the essential components that the body produces to repair tissue damage. Each time you have an injury, the platelets in your blood along with growth factors, stem cells, cytokines, and other elements create a scaffolding on the site. The damaged tissues use this framework to regenerate and repair. The entire process takes approximately one hour, and pa- tients are sent home the same day. Patients on average report more than 50% improvement in 6 weeks and up to 100% improvement in 12 weeks. This may eliminate the need for more aggressive and expensive treatment options such as long-term medication or surgery. In a recent study, researchers at Hospital for Special Surgery gave patients with early osteoarthritis an injection of PRP and then monitored them for one year. After one year of the PRP injection, physicians evaluated the knee cartilage with magnetic resonance imaging (MRI). While previous studies have shown that patients with osteoarthritis can lose roughly five percent of knee cartilage per year, the Hospital for Special Surgery investigators found that a large majority of patients in their study had no further cartilage loss. At minimum PRP also prevented further knee deterioration.

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FAMILY MATTERS

WHAT IS A STATUTE OF LIMITATIONS? BY JOHN BAZZURRO A statute of limitations is a timeframe or deadline within which one has to file a certain type of case. New Jersey has various statutes of limitations depending upon the type and nature of the case. For instance, the statute of limitations for a personal injury claim in the State of New Jersey is two years. On the other hand, the statute of limitations for a breach of contract claim is six years. Thus, in the event a lawsuit is not filed within the respective time frames for each of these types of claims, the ability to file such a lawsuit may be lost forever. Importantly, there are many other factors and issues concerning statutes of limitations other than merely the time frame set forth in the various statutes. One of the first issues that must be determined when dealing with a statute of limitations is the date upon which the potential cause of action “accrued.” The accrual date is the date that the statute of limitations time begins to run. Although the statute of limitations for a personal injury claim is two years, the accrual date for such a claimmay not necessarily be the date that the injury was actually sustained. In certain cases, the accrual date will be the date that the person knew or reasonably should have known that their injury was caused by the wrongdoing of another. Another issue that arises when determining a statute of limitations time frame is whether or not a particular statute of limitations may be “tolled.” This means that the statute of limitations “timeclock” stops for one reason or another thus extending the statute of limitations deadline. Typically, the time will “stop running” for the period of time that a person is not competent to file a lawsuit. An example of this is for a person who is under the age of 18 years old. Because a “minor” is not “competent” to file a lawsuit under the eyes of the law, the time under the statute of limitations will toll until that individual attains the age of 18. In addition to statutes of limitation, there are timeframe provisions in New Jersey law which require some type of written notification to a legal entity within a certain period of time. These timeframes are shorter than a statute of limitation. If an injury is sustained as a result of the negligence of a public entity (Township, Borough, City, County, State of New Jersey, etc.), written notification must be provided to that entity within 90 days of the accrual of the cause of action otherwise the ability to sue the public entity may be lost forever. There are many legal pitfalls with respect to statutes of limitation and time frames within which action must be taken by a potential litigant. It is important that you immediately seek legal advice from an attorney as soon as you believe that you have a claim against someone else. Your failure to do so may jeopardize your ability to obtain compensation for your damages. Should you wish to discuss any of the issues set forth in this article, please feel free to contact my office for a free telephone consultation.

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Life – like the markets – fluctuates. An Envision ® plan adapts. In your financial journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an investment process built on both adaptive technology and old-fashioned one-on-ones. Find out how an Envision plan can help you plan for tomorrow, today. Call when you’re ready to talk. ife – like the markets – fluctuates. n Envision ® plan apts. In your financi l journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an investment process built on both ad ptive technology and old-fashioned one-on-ones. Find out how an Envision plan ca help you plan for tomorrow, today. all when you’re ready to talk. Life – like the markets – fluctuates. An Envision ® plan adapts. In your financial journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an investment process built on both adaptive technology and old-fashioned one-on-ones. Find out how an Envision pl n can help you plan for tomorrow, today. Call when you’re r ady to talk.

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JOHN T. BAZZURRO, Esq. David P. Levine, Esq. Of Counsel to the Firm Michael B. Shaw, Esq., Associate Attorney 200 Meco Drive, Millstone Twp., NJ jtbazzurro@bazzurrolaw.com • BAZZURROLAW.COM

Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. Investment and Insurance Products: u NOT FDIC Insured u NOBank Guarantee u MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. InvestmentandInsuranceProducts: u NOTFDICInsured u NOBankGuarantee u MAYLoseValue Wells Fargo Advisors is t ade name used by Wells Fargo Clearing Services, LLC, Membe SIPC, a register d broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. Investment and Insurance Products: u NOT FDIC Insured u NOBank Guarantee u MAY Lose Value

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February 2020

FAMILY MATTERS

Increasing longevity is a practical reason you may want to develop an income plan to cover your expenses. To help you enjoy a long and comfortable retirement, using many different types of income streams can help balance your need for both growth and income while providing options to help minimize taxes throughout your retirement. Retirement accounts — Your IRA and your employer-sponsored retirement plan, such as a 401(k), can be essential sources of retirement income. Distributions from a traditional IRA or employer-sponsored plan are taxable, and distributions from a Roth IRA or employer-sponsored plan are tax-free. So you may want to consider allocating assets to both types of retirement accounts. Dividend income — Some stocks have regularly increased their dividends for years. These “dividend kings” can provide you with a source of rising income, which could help you stay ahead of inflation during your retirement years. (Companies can lower or discontinue their dividends at any time.) Because of the preferential tax treatment of dividend income, these types of stocks may be beneficial in taxable (non-IRA) accounts. Bond income — Consider building a “ladder” of short-, intermediate- and long-term bonds. You can reinvest the proceeds of the maturing short- term bonds into new ones, issued at a potentially higher rate, while you continue to receive income from your long-term bonds, which typically pay more than shorter-term ones. Bond mutual funds and exchange-traded funds may also provide interest income. Sale or conversion of investment assets — Once you reach age 72, you will need to take required minimum distributions from your 401(k) and your traditional IRA. But you may need to sell investments outside these accounts as well, or at least convert some investments into income- producing vehicles. Be aware of the tax consequences. Social Security benefits — Although the rules have recently changed, a good way to maximize Social Security benefits may still be to wait as long as possible before taking benefits, especially for the higher-earning spouse. You can start receiving benefits at age 62; however, benefits received before your “full” retirement age (currently age 66 or 67) will be permanently reduced. If you delay taking benefits past full retirement age, the amount you receive will increase every year until age 70. Annuity income — Annuities are insurance company products that may provide a predictable lifetime income. Similar to creating a “personal pension,” they come in a variety of forms and can provide a guaranteed income stream for as long as you live. Be sure you understand the objectives, risks, charges and expenses before purchasing an annuity. By taking full advantage of these sources of income, you can go a long way toward enjoying the retirement you have envisioned. So plan ahead, learn all your options and make those choices that are right for you. Enjoy a long retirement with multiple income streams

Christopher J. Estevez Sr., AWM, CFP ® Senior Vice President – Financial Advisor 328 Newman Springs Road | Red Bank, NJ 07701 Phone: (732) 576-4622 | Fax: (732) 576-4601 chris.estevez@rbc.com | www.chrisestevez.com

Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested. Christopher J. Estevez, NMLS #1663158 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in consultation with your independent tax or legal advisor. Bond investors should carefully consider risks such as interest rate, credit, repurchase and reverse repurchase transaction risks. Annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10 percent IRS penalty may apply to withdrawals prior to age 59-1/2. Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association. With fixed annuities, both the money you invest and the interest paid out are guaranteed by the claims-paying ability of the insurer. Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Investors should consider the investment objectives, risks, and charges and expenses of an annuity carefully before investing. Prospectuses containing this and other information about the annuity are available by contacting your RBC Wealth Management Financial Advisor. Please read the prospectus carefully before investing to make sure that the annuity is appropriate for your goals and risk tolerance. © 2020 RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. All rights reserved. 20-FN-0825 (01/20)

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FAMILY MATTERS

We’re bullish on your goals

Gold Wealth Management Shawn Gold, CIMA ® Senior Financial Advisor 609.243.7837 shawn.gold@ml.com Merrill Lynch Wealth Management 7 Roszel Road 4th floor Princeton, NJ 08540

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value The Bull Symbol and Merrill Lynch are trademarks of Bank of America Corporation. CIMA® is a registered service mark of the Investment Management Consultants Association dba Investments & Wealth Institute. © 2019 Bank of America Corporation. All rights reserved. | ARQ54MR7 | AD-06-19-0875 | 470944PM-0519 | 06/2019

12 The Millstone Times

February 2020

FAMILY MATTERS

CONFUSED ABOUT WHETHER A REVERSE MORTGAGE IS RIGHT FOR YOU? A reverse mortgage has helped hundreds of thousand of senior homeowners enhance their financial situation. The reverse mortgage can often times be a confusing and complex transaction. I have 29 years of experience exclusively in the reverse mortgage industry and pride myself on educating senior homeowners in every aspect of the reverse mortgage so they can make the right decision. I will gladly meet you, and your trusted advisor, in the convenience of your home to discuss how you may benefit from the reverse mortgage.

LIFE IS BETTER with a personal banker

9-MONTH CD 1.54 % 1.64 % APY** § 12-MONTH CD APY* §

Visit Your Personal Bankers at our Hamilton Branches

2265 Route #33 609.269.1619

1 Edinburg Road 609.269.1616

2465 Kuser Road, Suite 101 609.528.4400

KEN SAWAN Senior Reverse Mortgage Specialist One International Blvd., Suite 900

18 Branches throughout New Jersey and Pennsylvania

Mahwah, NJ 07495 Cell: 330-515-0413 Office: 201-642-4024 NMLS #: 1098456

firstbanknj.com • 877.821.BANK

*The Annual Percentage Yield (APY) of 1.54% is available only on new 9-month certificates of deposit with a minimum deposit of $500. **The Annual Percentage Yield (APY) of 1.64% is available only on new 12-month certificates of deposit with a minimum deposit of $500. §APYs are accurate as of 1/9/20 and are subject to change without notice. CD will automatically renew to the same term with corresponding rates in effect at that time. Eligible for business, personal, and IRA. Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. Fees may reduce earnings. Minimum balance of $500 required to earn stated APYs.

Longbridge Financial, LLC, is a licensed mortgage lender NMLS #957935 (www.nmlsconsumeraccess.org)

www. TheMillstoneTimes.com 13

HOME IMPROVEMENT

FREE ESTIMATES We Come To You!!

We Will Beat ANY Competitors Price! Let East Coast Salt do the heavy work, from our warehouse to your basement. 732.833.2973 621 Wright Debow Rd., Jackson NJ 08527 EAST COAST SALT FAX: 732.833.4162 • www.eastcoastsalt.com Toll Free: 1.888.273.1444 MAG PELLETS AND MAG FLAKES Pet Friendly Ice Melt Safe for Concrete and Vegetation! Melts down to -20F CALL TODAY FOR FREE DELIVERY Like us on Facebook for promotions!

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14 The Millstone Times

February 2020

HOME IMPROVEMENT

FREEWATER TREATMENT ANALYSIS FOR YOURHOME WATER SOFTENER SYSTEM Call Now For A FREE Testing 609.448.3893

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• Water Treatment and Filtration • Water Softeners • Neutralizers • Iron Removal • Bad Odor Treatment

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“I am getting a ton of new calls and new business from my ad in the Millstone Times! I have been installing many new water systems!”

$15.00 OFF 150 Gallon Minimum Not to be combined with any other offers One per customer. Expires 3/31/20 $25.00 OFF 200 Gallon Minimum Not to be combined with any other offers One per customer. Expires 3/31/20 HOME HEATING OIL SPECIALS COMFORTOILINC.COM

For more information about advertising, call 732-995-3456

www. TheMillstoneTimes.com 15

HOME IMPROVEMENT

16 The Millstone Times

February 2020

HOME IMPROVEMENT

“We Treat Your Home Like Our Own”

Call us for a FREE ESTIMATE References Available Upon Request Customer Satisfaction GUARANTEED!

INTERIOR/EXTERIOR CUSTOM TRIM WORK: Crown Moldings Chair Rails Shadow Boxes POWERWASHING: Houses • Fences• Decks

VISIT OUR SHOWROOM: 10 Forest Hill Ave, Jackson or call us at 732-928-3204 LICENSE # 13VH04146600

www. TheMillstoneTimes.com 17

HOME IMPROVEMENT

Monmouth County’s #1 Roofing & Siding Professionals Proudly Providing Services for Freehold, NJ, and Surrounding Areas for 25 Years

NowOffering: 0% Financing for 12 Months

Keystone Contracting, LLC 205 Route 9 North Freehold NJ 07728 (732) 637-830 0

License Number: HIC #13VH07172400

18 The Millstone Times

February 2020

NEED NEW CARPET OR FLOORING? ™

every Plus! TAKE AN ADDITIONAL 10%OFF CARPET WE SELL! NOW THRU PRESIDENTS DAY! 50%OFF UP TO TYPICAL S T O R E PR I CES

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$ 49

CARPETING { We come to you with over 4,000 styles and colors!

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Beautiful cut and loop pin dot pattern carpet Available in multi’s and solids, Lifetime Stain, Fade and PetWarranty!

Fade and Stain Resistant Plush Carpet 64 oz. 25 colors in a beautiful multi-color palatte

Scotchgard Pattern Carpets 24 colors, 10YearWarranty!

Mohawk ® Patterned Carpets 24 colors, 10YearWarranty!

Fade and Stain Resistant Carpet 40 oz. Solution Dyed Polyester

CELEBRATING OUR 25th Anniversary!

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• S M A R T C A R P E T A N D F L O O R I N G • E P I C W H I T E G L O V E S E R V I C E • S M A R T C A R P E T A N D F L O O R I N G • E P I C W H I T E G L O V E S E R V I C E 25th

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Mannington ® Hybrid Vinyl Floor, 7” wide 3 season product, 10 colors Floor prep may be additional.

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Shaw ® Scratch Resistant Vinyl Plank Flooring 8 mil. wear layer, 7 wood looks! Floor prep may be additional.

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Available in 19 colors Floor prep may be additional.

HARDWOOD { WE Deliver! WE Install! WE Warranty your installation!

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8 99 sq. ft.

Anderson ® Monte Carlo Engineered in 6 colors 7” wide, Distinctive Distressed look *Nail down installation.Floor prep may be additional. Cannot be combined with other offers. 8 16 sq. ft. INSTALLED!

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Mohawk ® Wallingford Handscraped Birch 5” Sawn Cut, 4 colors *Nail down installation.Floor prep may be additional. Cannot be combined with other offers. 6 19 sq. ft. INSTALLED!

7 99 sq. ft.

INSTALLED!

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Indusparquet ® Santos Mahogany INSTALLED!

Mohawk ® American Designer Engineered Handscraped, 5 colors, 5” width *Floor prep may be additional. Cannot be combined with other offers.

Johnson Hardwood ® English Pub 1/2” Handscraped Engineered, 7 1/2” wide *Nail down installation.Floor prep may be additional. Cannot be combined with other offers.

2 1/4”Wide, SolidWood Flooring *Nail down installation.Floor prep may be additional. Cannot be combined with other offers.

$200 OFF HARDWOOD FLOORING 200 SQ. FT - 500 SQ. FT. ANY INSTALLED

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12 MONTHS Special FinancingAvailable * On purchases made with your SMART Carpet Credit Card! APPLY TODAY! Call today to schedule a FREE estimate! 1-800-526-RUGS or visit smartcarpet.com

1234

NYCHIC#1442735 • NJHIC#13VH01833100 • PAHIC#PA087742 ©2020SmartCarpet Inc.Saleendsoneweek frompublicationdate.Excludesprior sales.*Onapprovedcredit.25%downandminimumpurchaseof$500onfinanced orders only.This credit card is issued with approved credit byWells Fargo Bank,N.A.Equal Housing Lender.Finance charges accrue on the purchase from the date of installation. IFTHESALESPRICE ISPAID IN FULLBYPROMOTIONEXPIRATIONDATE,NO FINANCECHARGESWILLBEOWEDONTHEPURCHASE.Otherwise,all accrued financechargeswillbeowed.Minimummonthlypayment required.Within theUnitedStates:StandardAPR28.99%.SeeSMARTCarpetRepresentative fordetails.Excludes prior sales¤tcontracts.Not tobecombinedwithanyothercoupons,offersor third partydiscounts.**G.D. is forglueddownapplications.Floorprepadditional (if needed).Free furnituremovingdoesnot includepool tables,pianos,electronicsor furniture requiringdisassembly.Small fee forserviceavailable.†Yoursavingsmayvary.

Couponnot tobe combinedwith any other coupons,offers or thirdpartydiscounts.Minimum square footage must be of the same hardwood quality. Colors may vary. Coupon must be presented at time of the sale. Cannot be presented at time of installation. Excludes all prior sales& contracts.Expires2/29/2020.

Couponnot tobe combinedwith any other coupons,offers or thirdpartydiscounts.Minimum square footage must be of the same hardwood quality. Colors may vary. Coupon must be presented at time of the sale. Cannot be presented at time of installation. Excludes all prior sales& contracts.Expires 2/29/2020.

www. TheMillstoneTimes.com 19

As We Age

Allaire Rehab & Nursing, a newly renovated upscale healthcare center in Freehold, delivers unparalleled

subacute rehabilitation & skilled nursing care.

We are the only Special Care Nursing Facility in New Jersey to offer intensive therapy on a long term basis for young adults (18-59) with a Neurological Impairment. Horizon’s at Allaire is centered on nurturing independence and optimizing recovery with many individualized activities and programs.

• 174-bed special care neurological unit for patients ages 18-59 suffering from TBI, Multiple Sclerosis, Spinal Injury and other neurological conditions • Technology lab consisting of 25 computer stations with full time assistive technology professional • Neuropsychologist available to talk to patients • 7 day a week therapy • Specially designed activities program with the neuro patient in mind

Our hotel-like setting & amenities include:

Sleeper Sofa, Desk & Refrigerator in Larger Suites

Magnificent, Spacious Patient Suites 12 Private Rooms Large Flat Screen Smart TVs

Bluetooth Speakers Concierge Service

115 Dutch Lane Road, Freehold, NJ 07728 | 732.431.7420 | AllaireHC.com

20 The Millstone Times

February 2020

As We Age 2020 Census Will Help Policymakers Prepare for the Incoming Wave of Aging Boomers. By 2030 All Baby Boomers Will be Age 65 or Older Baby boomers have changed the face of the U.S. population for more than 70 years and continue to do so as more enter their senior years, a demographic shift often referred to as a “gray tsunami.” Knowing about the number of people age 65 and older is important for tribal, local, state and federal lawmakers. They will use 2020 Census statistics to help decide how to spend billions of dollars annually in federal funds on critical public services for the next 10 years. Baby boomers have changed the face of the U.S. population for more than 70 years and continue to do so as more enter their senior years, a demographic shift often referred to as a “gray tsunami.” Born after World War II, from 1946 to 1964, the oldest boomers will turn 74 next year. When the last census was taken in 2010, the oldest had not even turned 65. Since then, about 10,000 a day have crossed that age threshold and by 2030, all boomers will be at least age 65. “Data from the 2020 Census will show the impact of the baby boomers on America’s population age structure,” said Wan He, head of Aging Research Programs for the Population Division of the U.S. Census Bureau. Knowing about the number of people age 65 and older is important for tribal, local, state and federal lawmakers. They will use 2020 Census statistics to help decide how to spend billions of dollars annually in federal funds on critical public services for the next 10 years. Everyone uses roads, hospitals and emergency services but some state and federal programs target specifically older populations — such as money for senior citizen centers, job-training programs, and Medicare Part B health insurance. “The census is really important to us in the aging community,” said John Haaga, of the National Institute on Aging in Washington, D.C. “It’s our only way to figure out how things are different across the country, what areas are aging faster, where elderly disabled people live, or where older people are concen- trated, like Appalachia or West Virginia, because young people are leaving for the cities.” Older people are remaining behind there. By using Census Bureau statistics and its geographic information system, analysts and community planners can get a refined picture of where older Amer- icans live and how close they are to the services they need. That helps lawmakers or businesspeople decide where to open health clinics or senior citizen centers, among other services. “As boomers age through their 60s, 70s, 80s and increasingly beyond, the ‘big bulge’ of the boomer generation will contribute to the overall aging of the U.S. population in coming decades,” said Stella Ogunwole, a demographic statistician with the Census Bureau. “The older population is becoming even more significant,” she said. But aging boomers are not the only reason the nation’s population is getting older overall. Longer lives — in part due to better health care — and record low birth rates among young women are also major factors, according to Haaga. Older adults are projected to outnumber children under age 18 for the first time in U.S. history by 2034, according to Census Bureau projections.

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