CNJ+ May 2024
CNJ+ is the premier newspaper in Central New Jersey and beyond. We have grown from a one town newspaper to direct mail to now 9 towns in the past 7 years. Our distribution combines several zip codes and reaches one of the top four wealthiest demographics in the state. All of our editorial content is directly targeted with New Jersey news focusing on community people, news, events and businesses.
MAY 2024 ISSUE 158
FORMERLY THE MILLSTONE TIMES WE ARE CONTINUING TO GROW TO SERVE YOUR NEEDS
EVERYTHING ZEN Dr. Spada and Staff Offer a Uniquely Modern Approach to Therapy
READ MORE ON PAGE 27 Central New Jersey and Beyond
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CNJ+ | FORMERLY THE MILLSTONE TIMES
MAY 2024
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GUNTHERPUBLICATIONS.COM
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(609) 443-5330 (609) 443-5331 The bottom line is that, regardless of what type of motor vehicle violation you are charged with, you should seek the advice of an attorney before appearing in Municipal Court by yourself and entering into a plea bargain which may subject you to other legal ramifications of which you were not aware. Typically, when we receive a call for a motor vehicle violation, we initially attempt to obtain as much information as possible from the potential client to determine whether or not they will require legal representation given their individual circumstances. Accordingly, please feel free to contact us to discuss your individual situation to determine whether or not legal representation is required. “I ran my first ad in The Millstone Times and got calls the first day the paper reached homes. I am extremely happy with my investment. If you are a small business owner, The Millstone Times will get you new customers!” 659 Abbington Dr., #403 East Windsor, NJ 08520 (Twin Rivers Shopping Mall, Rt 33) (Twin Rivers Shopping Mall, Rt 33) HOURS: MONDAY - THURSDAY 11:00am-9:30pm FRIDAY-SATURDAY 11:00am-10pm SUNDAY 12pm-9:30pm 10% OFF Pick-up Only. Can not combine with any other o er. Expires 1 / 15/2 4 Coupon Needs To Be Present WWW.CHENGCHENRESTAURANTS.COM Any Purchase We accept Visa, Mastercard, & Discover Pick-up Only. Can not combine with any other o er. Expires 1 / 15/2 4 Coupon Needs To Be Present Any Purchase Certified by the Supreme Court of New Jersey as a Civil Trial Attorney Member of New Jersey and New York Bars JOHN T. BAZZURRO, Esq. JARED SPARNROFT, Esq. 200 Meco Drive, Millstone Twp., NJ jtbazzurro@bazzurrolaw.com • BAZZURROLAW.COM BOB , Owner Bob’s Rides For Cash 609-819-1240 For more information about advertising, call 732-995-3456 We accept Visa, Mastercard, & Discover DO YOU NEED A LAWYER IN MUNICIPAL COURT? BY JOHN BAZZURRO As indicated on our website, there are numerous charges that are heard in the Municipal Courts in the State of New Jersey. These range from low level motor vehicle violations such as going through a stop sign, careless driving, failure to maintain your lane and other charges that generally carry very low fines and two or less motor vehicle points. If you have been charged with any motor vehicle violation that carries more than two motor vehicle points upon a conviction, we suggest that you obtain the advice of counsel before going to court. The purpose of this article is to provide the reader with some information as to whether or not they need legal representation in Municipal Court on a low-level motor vehicle violation that carries two or less motor vehicle points. As most citizens of New Jersey know, municipal prosecutors will, generally, as a matter of course offer a “no point” or “zero point” violation as part of a plea bargain if you are charged with one of these low-level motor vehicle violations. The monetary cost of these “no point” or “zero point” violations are rather excessive in that you are required to pay a $250.00 surcharge for this “privilege.” The statute which provides this “no point” plea is called the unsafe driving statute. The basic theory in accepting a “no point” or “zero point” plea bargain is to potentially avoid motor vehicle points on your license in order to keep your auto insurance premiums lower and, potentially, to avoid the suspension of your driving privileges where you are in danger of accumulating 12 motor vehicle points which will result in a temporary suspension of driving privileges. However, it should be pointed out that there are a number of situations in which your acceptance of such a “no point” or “zero point” plea bargain may adversely affect your rights without your knowledge. One such situation is where you have already previously pled guilty to unsafe driving on more than one occasion. Your third guilty plea to unsafe driving within a certain period of time will subject you to four motor vehicle points when you may be under the mistaken belief that you will not be receiving any motor vehicle points. Another such situation where you potentially will need legal representation is where the low-level motor vehicle violation is the result of a motor vehicle accident. 10% SENIOR DISCOUNTS AVAILABLE 732-207-4006 CALL YURY TODAY FOR A FREE IN HOME ESTIMATE! • INTERIOR AND EXTERIOR PAINTING • SPACKLE • CARPENTRY • ALL FLOORING • DECKS & FENCES • MASONRY • BASEMENTS • STORM DAMAGE • POWERWASHING • ROOFING AND SIDING • BATHROOM REMODELING • KITCHEN REMODELING CLEAN-UP
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28 CNJ+ | FORMERLY THE MILLSTONE TIMES
MAY 2023
why choose a catholic cemetery? A Catholic cemetery is a holy and sacred place. It is a place of prayer and hope that is both a consolation to the bereaved and an inspiration to the living … a place where those who have worshipped and prayed together in life now await the resurrection. A Catholic cemetery is a holy and sacred place. It is a place of prayer and hope that is both a consolation to the bereaved and an inspiration to the living … a place where those who have worshipped and prayed together in life now await the resurrection.
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CNJ+ | FORMERLY THE MILLSTONE TIMES
MAY 2024
LOVE FLOWETH, FROM HEAVEN TO EARTH By Richard Mabey Jr.
In June of 1970, I completed my junior year at Boonton High School. My fami ly belonged to the Trailmates Chapter of the National Camping and Hikers Asso ciation. There were about 12 families that belonged to this group of family campers. The Landers family was one of the families who would go camping with all of us. Penny Landers had just completed her sophomore year of high school. She was very smart, kindhearted and very pretty. During our time of family campouts, Pen ny and I would play chess together, on a picnic table at a vacant campsite, that we were always able to find, no matter what state park our families were camping at that particular weekend. Penny was an in credibly great chess player.
fully so. It was a Saturday afternoon. We watched a movie in Penny’s living room, sitting together on the couch, while Mr. Lancaster sat in his easy chair. Then we went out to Penny’s backyard. Penny had this game setup in her yard, it was like horseshoes, they called it Ring Toss. Instead of playing with horseshoes, you would toss this circular rope at the stakes, to try to get the ring onto them. It was a fun time. Then we ate supper. Mrs. Landers was very kind to me. I can’t say that Mr. Land ers made me feel all that welcome. His el dest daughter was coming of age and hav ing a boy over for an official date. I don’t think that settled too well with him. Penny and I dated for two years, through my senior year at Boonton High and my freshman year at County College of Mor ris. In September of 1972, Penny left for Rutgers University. We had promised to stay faithful to each other. Sometimes the most earnest of promises get broken. Sad ly, we drifted apart. We stayed friends till Penny’s passing in November of 2012. Sadly, Penny lost her
wsiworld. (609) 28 b.desai@ #FaceBook Ad #Get More Le I was a very shy boy. I didn’t have much self-confidence. I had a damaged Mitral Valve, so I couldn’t play sports. And in 1970, sports were everything at Boonton High School. I lost myself in poetry, novels and in playing the snare drum in the school marching band. I wanted all so much to ask Pen ny for a date, but I felt so strongly that I was way out of her league. I would think to myself, “What would a smart, pretty girl like Penny Lancaster, ever see in me?” Although I never mentioned it to my father, Dad knew that I liked Pen ny a lot. It was during our annual week-long hike of the Appalachian Trail that Dad talked to me about Penny. It was now July of 1970, we pitched camp somewhere in the forest of Eastern Pennsylvania. Dad and I were alone together, outside of our makeshift tents, cooking stew. And Dad told me, in no uncertain terms, that I had to stop putting myself down. That I had to dig deep within myself and get the courage to ask Penny for a date. Well, at the next campout of the Trailmates Chapter, I found myself play ing chess with Penny. Somehow and someway, I managed to get the cour age to ask Penny for a date. My palms were filled with sweat. My heart was beating like a big, old bass drum. I inwardly trembled, after the words came out of my mouth. There was that two second pause from Penny. Then, her response came, quietly, almost shyly, “yea, that’d be nice.” I was 16, Penny was 15, when we had our first date. Mom drove me to Pen ny’s house in Paterson. Penny’s father was a bit strict with her. And, right Your Tru BrianD Inevitably, our conversations during our chess games would focus on books that we had recently read. At the time, I was total ly absorbed into Thomas Wolfe’s novels. I was in the midst of reading, Look Home ward, Angel . To my surprise, Penny had already read the book. I think that was a turning point for me. Looking back, the moment that Penny had told me that she had read Look Homeward, Angel, was the very moment that I fell off the Grand Canyon, in love with Penny. #Local SEO #Google Ads
For Digit
My dear friend, Penny and myself, from June of 1972.
battle with lung cancer. Although all traces of romance had evaporated, a kind of kinship still lived in our hearts for each other. We became adopted cousins to each other. I would write email letters of encouragement to Penny, during her time of her fight with cancer. She would write me back that she dearly appreciated my kindness. I know that this may not coincide with the religious beliefs of many peo ple. But since I was diagnosed with Severe Hypertrophic Cardiomyopathy, I have had many, many visitations from Penny. I’ll be working on a story, and I’ll feel Penny’s presence powerfully strong beside my desk. Almost every night, Penny visits me in dreams, so real and vivid that it seems like it’s all so real and not just a dream. Penny assures me that there is a God and a place we call Heaven. Can God be limited? Can God be put into a box, of our liking? Is it pos sible that a dear and cherished friend, residing in Heaven, can become a guiding angel? I know what I experience is powerfully real. Spiritual love, not a romantic love, but a true spiritual love between two people cannot be limited, be boxed in. Love is the most powerful force in the universe. It is the foundation of miracles. It knows no limitations. Love is the most endearing force known to mankind. Truly, it is the foundation of miracles. Richard Mabey Jr. is a freelance writer. He hosts a YouTube Channel titled, “Richard Mabey Presents.” Richard most recently published a book of poetry and short stories. He can be reached at richardmabeyjr@hotmail.com.
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CNJ+ | FORMERLY THE MILLSTONE TIMES
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WOMEN CHANGING HISTORY THE YEAR WAS 1966 By Pam Teel
What might seem archaic in this day and age, was the norm just fifty years ago. There were those individual women who bravely stood up in defiance of things and events that were deemed for men only. Take the Bos ton Marathon, for example, until 1972, under the AAU (Amateur Athletic Union rules), the Boston Marathon was for men only. Women were not qualified to run in any men’s division races, not just in Boston, but all over America. The Boston Marathon, a prestigious an nual marathon race held in Massachusetts since 1897, usually around St. Patrick’s Day, has a course that winds through various roads, in cluding Route 135, Route 16, Route 30, and city streets, and ultimately leads to the official finish line at Copley Square in Boston, alongside the Boston Public Library. Twenty-three year old, Roberta (Bobbi) Gibb attempted to register for the 1966 race but was refused by the race director, Will Cloney, in a letter in which he claimed women were physiologically incapable of running 26 miles, and that under the rules that governed amateur sports set out by the AAU, women were not allowed to run in a race that was more than a mile and a half. Gibb trained for two years to run the Boston Marathon, covering as much as 40 miles in one day. Her running included daily commuting of the eight miles to school. She ran in white leather Red Cross nurses’ shoes because there were no running shoes available for women at the time. She was already established as a long-distance runner. After the initial rejection of her application, Gibb realized that it was more important than ever to run that race and that her run would have a social significance far beyond just her own challenge. After three nights and four days on a bus from San Diego, California, Gibb arrived the day before the race at her parents’ house in Winchester, Mas sachusetts. On the morning of Patriots’ Day, April 19, 1966, her mother, reluctantly, dropped her off at the start in Hopkinton. Wearing her broth er’s Bermuda shorts and a blue hooded sweatshirt over a black, tanked-top swimsuit, and men’s sneakers, she hid in the bushes near the starting pen. After the starting gun fired, she waited until about half the pack had started and then jumped into the race. It didn’t take long for male runners in Gibb’s vicinity to realize that she was a woman. Gibb expected them to shoulder her off the road or call out to the police. Instead, the other runners told her that if anyone tried to interfere with her race, they would put a stop to it.
Encouraged by their friend liness and support, she re moved her sweatshirt. As soon as it became clear that a woman was running in the marathon, the crowd erupted with pure joy. Many men, not all, cheered her on, and women cried out in support. The press began to report on her progress towards Boston. The word spread to the Wellesley Col lege campus that a female was running in the race. It wasn’t long before crowds of college students, both male and female, lined the streets in support of her, waiting for her to pass by the campus. By the time Gibb reached the finish line in Boston, the Governor of Massachusetts, John Volpe, was there to
Rather than simply letting her run, officials tried to pull her from the race. Fortunately, Kathrine Switzer was running alongside her boyfriend, who helped fend off those around her.
shake her hand. At first, she feared that he would arrest her. She finished the race in three hours, twenty-one minutes, and forty seconds, ahead of two thirds of the runners. The following morning her feat was front-page news in the Record American, where the headline read: “Hub Bride First Gal to Run Marathon.” In another Record American article, a headline read: “Ro berta Gets Official Support: Females May Run Marathon.” Yet another read: “Roberta the runner may revolutionize Boston’s fabled BAA marathon- and for that matter, every other long-distance run staged in the country.” On the other hand, the furor over a woman’s intrusion into what had been an all-male domain was mounting. The May 2, 1966, issue of Sports Illustrated featured an article written by Gwilym S. Brown entitled “A Game Girl in A Man’s Game”: “Last week a tidy-looking and pretty 23-year-old blonde named Roberta Gibb Bingay, (her married name), not only started but also covered the 26-mile, 385-yard course at a clip fast enough to finish ahead of no fewer than 290 of the event’s 415 starters.” In another article from the Boston Traveler dated April 20, 1966, the day following the marathon, the race director, Will Cloney is quoted questioning the authenticity of Gibb even participating in the race. “Mrs. Bingay (Gibb) did not run in yesterday’s marathon. There is no such thing as a marathon for a woman. She may have run in a road race, but she did not race in the marathon. I have no idea of this woman running. She was not at any of our checkpoints and none of our checkers saw her. For all I know she could have jumped in at Kenmore Square.” Gibbs simply replied, “If you don’t believe me, ask the runners who saw me, or the spectators who were cheering for me. I don’t want to get into a public debate with Mr. Cloney about it. If he doesn’t believe me, that’s his business.”
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Gibb, nevertheless, ran unregistered and finished the 1966 race in three hours, twenty-one minutes, and forty seconds, ahead of two-thirds of the runners. Much later, in 1996, she would be rec ognized by the Boston Athletic Associ ation as the pre-sanctioned era women’s winner in 1966,1967, and 1968. She was the first woman to run the entire Boston Marathon. Gibb’s run in 1966 challenged prevalent prejudices and misconceptions about women’s athletic capabilities. In 1967, Gibb, by then a full-time stu dent at the University of California, San Diego, ran again. She finished in three hours, twenty-seven minutes, and sev enteen seconds, almost an hour ahead of Kathrine Switzer, another female competitor who met the same prejudic es as Gibbs. Switzer, who registered for the race using her official AAU registra tion number, paying the entry fee, pro viding a properly acquired fitness certif icate, and signing her entry form with her usual signature ‘K. V. Switzer’, was the first woman to run and finish with a valid official race registration. As a re sult of Switzer’s completion of the race as the first officially registered woman runner, the AAU further enforced its rules to ban women from competing in
at the Hopkinton Center for the Arts. Gibb herself created the statue, being a gifted artist, abstract painter, and sculp turer. The life-size, bronze sculpture de picts Gibb as she crossed the finish line, wearing a pair of her brother’s Bermuda shorts, a bathing suit top, and a pair of men’s running shoes, which caused her feet to badly blister. She molded the face to reflect the pain she felt from her feet and the exhaustion. Gibb received her Bachelor of Sci ence (B.S.) degree from the University of California, San Diego, in 1969, ful filling the pre-medical requirements, with a major in philosophy and a minor in mathematics. She has stated that she was denied admission to medical school because of her gender. She then worked with Professor Jerome Lettvin at MIT on epistemology and color vision while studying law. In 1974, Gibb entered the New England School of Law, re ceiving her Juris Doctor (J.D.) in 1978. She worked as a legislative aide in the Massachusetts State Legislature, stud ied natural systems, and pursued her interest in sculpture and painting. She was admitted to the Massachusetts Bar in 1978. While raising her family, she practiced law, specializing in real and
Bobbi Gibb after finishing the 1966 marathon. Her feet were all blistered from wearing mens sneakers.
further races against men. Switzer finished the race despite race official Jock Semple repeatedly assaulting her on the street in an attempt to rip off her race numbers and eject her from the race. She wasn’t going to be stopped. As the daughter of a major in the United States, failure was never an option for her. While studying at Syracuse University, a coach once told her that a “fragile woman” could never run in the Boston Marathon. This only encour aged her further. Undeterred, she trained in secret and entered the race. In 1968, Gibb ran again, finishing in three hours and thirty minutes, first among a growing number of women, which included Carol Ann Pancko, Elaine Pedersen, and Marjorie Fish. In 1969, 1970, and 1971, Sara Mae Berman was the women’s winner, and in 1972, Nina Kuscsik was the winner of the first officially sanctioned wom en’s division event. (Sara Mae Berman and Gibb became fast friends and would go on to have a lasting friendship) In 1996, at the 100th running of the Boston Marathon and the 30th an niversary of Gibb’s first run, the Boston Athletic Association officially rec ognized her three wins in 1966, 1967, and 1968 and finally awarded her a medal. Her name was inscribed with the names of the other winners on the Boston Marathon Memorial in Copley Square. In 2016, Gibb was the grand marshal of that year’s Boston Marathon. That year’s female winner, Atsede Baysa, gave Gibb her trophy; Gibb said that she would go to Baysa’s native Ethiopia in 2017 and return it to her. As it turned out, Baysa came to Boston and Gibb returned the trophy to her at that time. In 2021, a statue of Gibb called “The Girl Who Ran”, depicting her becoming the first woman to finish the Boston Marathon was unveiled
intellectual property. She worked, for part of that time, in patent law. Gibb sculpted the 12-inch bronze figurines of a pony-tailed girl running that were given as trophies to Joan Benoit Samuelson, Julie Brown, and Julie Isphording, the top three women marathoners at the US Olympic trials in 1984. Gibb has written a memoir entitled Wind in the Fire: A Personal Journey and a book titled 26.2 Essays: An Inspiring New World View. A film based on her memoir with the same title was currently in the works. She has been included in Who’s Who of American Women, Who’s Who in America, and Who’s Who in the World. In 1982 she was inducted into the Road Runners Club of America Long Distance Running Hall of Fame, and she has been interviewed for news programs and documentaries on ABC, CBS, NBC, ESPN, and HBO. She was included in the 1999 HBO Sports documentary Dare to Compete: The Struggle of Women in Sports. In 2000, she produced a documentary on her art and running entitled Where the Spirit Leads . Gibb received the 2009 Tufts University Athletics Distinguished Achieve ment Award[34] and was inducted into The Sports Museum of New En gland Hall of Fame in 2011. Her Special Achievement Award was presented by Joan Benoit Samuelson at the Sports Museum’s 10th Annual “The Tradi tion” on June 28, 2011. Gibb had a big mission; to overcome prejudice against women in sports. Thanks to her, other women got the courage to stand up and fight for their rights. The woman knows a thing or two about changing history. “If we can do it in Boston,” she told the crowd, “We can do it in the world.”
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Easing the Post-Holiday Blues: How Bankruptcy Can Provide a Fresh Start from Credit Card Debt It’s almost summer so vacations are being planned. Easing the Post-Holiday Blues: How Bankruptcy Can Provide a Fresh Start from Credit Card Debt
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As the holiday cheer fades away, the reality of credit card bills piling up can cast a shadow on our joyous memories. Many of us can relate to the rewarding experiences during the holidays, but the stress and worry that follow as credit card statements arrive are all too familiar for a person or family struggling to stay on top of their bills which were also often paid by mounting credit cards. Vacations can be the perfect opportunity to relax, disconnect from work and responsibilities, and enjoy some free time. But before you head off on your next fun trip, you should consider doing that might not sound quite as fun – creating an estate plan. Why do you need to think about your estate plans before you travel? An estate plan ensures any medical decisions needed while away from home will be handled according to your wishes and with as much ease as possible, no matter what the rules are where something happens. If you fall ill or become injured and can’t make medical decisions for yourself, your estate plan will ensure that decisions will be made by the person you choose and with your indicated desires for your care at the forefront. Do you want them being made by some doctor in a foreign country? Without an estate plan in place for after you death, your family or friends could have a heavy lift to get you back home, locate your assets, keep your bills paid, and even ensure your children get taken care of by the right people in the right way. As the holiday cheer fades away, the reality of credit card bills piling up can cast a shadow on our joyous memories. Many of us can relate to the rewarding experiences during the holidays, but the stress and worry that follow as credit card statements arrive are all too familiar for a person or family struggling to stay on top of their bills which were also often paid by mounting credit cards. going up and medical illness again on the rise, good people are struggling fin ancially. If aftermath, it’s essential you explore solutions that can provide relief and pave the way for a family struggling with today’s economy can’t handle. One such option worth considering is bankruptcy – a path that can help you regain control and start anew like many other clients. going up and medical illness again on the rise, good people are struggling fin ancially. If aftermath, it’s essential you explore solutions that can provide relief and pave the way for a family struggling with today’s economy can’t handle. One such option worth considering is bankruptcy – a path that can help you regain control and start anew like many other clients.
clean slate. This process discharges eligible credit card debt, allev iati ng the burden that has been causing you sleepless nights. What sets Chapter 7 apart is its swift resolu tio n, offering a relati vely speedy way out of the never-ending for you or even potentially adding in additional decision-makers. You still want a Living Will to give clarity on how you want medical decisions made for you. If you have property that is not jointly owned, for your spouse to get access to it, your spouse will still need a costly administration process in probate. Finally, if you have dependent children, you want to ensure you’ve made it as easy as possible for their care needs to be continued by the people you want, in the way you want. Without a plan in place, decisions around their care could be tied up for months, including access to the financial assets their caregivers would need to ensure they have what they need along the way. Unmarried People Need an Estate Plan Even More If you are not married then an estate plan is even more important. The intestacy laws do not give your significant other your assets even if you have been living together as husband and wife for 40 years. Furthermore for unmarried couples, the tax consequences are overwhelming if not properly planned. The Benefits of Working With an Attorney clean slate. This process discharges eligible credit card debt, allev iati ng the burden that has been causing you sleepless nights. What sets Chapter 7 apart is its swift resolu tio n, offering a relati vely speedy way out of the never-ending stress behind sooner. Chapter 13 Bankruptcy: For those seeking to retain their assets and embark on a journey to gradually sett le their debts, Chapter 13 provides a structured capacity. If the fear of losing your home or other valuable assets is causing you distress, Chapter 13 becomes a crucial tool, allowing you to catch up on payments and safeguard what matte rs most. Moreover, Chapter 13 empowers you to reimagine the narr ati ve of credit card debt by incorpor ati ng it into a manageable repayment plan, o ff ering a more op ti mis tic outlook on your stress behind sooner. Chapter 13 Bankruptcy: For those seeking to retain their assets and embark on a journey to gradually sett le their debts, Chapter 13 provides a structured capacity. If the fear of losing your home or other valuable assets is causing you distress, Chapter 13 becomes a crucial tool, allowing you to catch up on payments and safeguard what matte rs most. Moreover, Chapter 13 empowers you to reimagine the narr ati ve of credit card debt by incorpor ati ng it into a manageable repayment plan, o ff ering a more op ti mis tic outlook on your How Bankruptcy Helps with Credit Card Debt: Experience immediate relief by hi tting the pause bu tt on on relentless creditor calls and collec ti on eff orts the moment you file for bankruptcy, thanks to the automa ti c stay in itiated by the process. Turn the page on credit card debt, providing a fresh start and the opportunity to begin a new chapter with peace of mind.
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Chapter 7 Bankruptcy: If expenses have l eft you drowning in debt, Chapter 7, ofte n known as “liquida ti on bankruptcy,” can provide relief by offer ing a Find breathing room through Chapter 13’s structured repayment plan, offe ring a method to gradually pay off debts without feeling su ffoc atedbymo unting interest. Whether you opt for Chapter 7 or Chapter 13, both avenues provide varying degrees of asset protectio n, ensuring you keep essentia l items and can move The after math of piling debt shouldn’t be a source of ongoing stress and worry. Bankruptcy provides a way out, a fresh start, and the chance As you face the dau nting credit card bills or medical bills, remember that you have options to ease the burden and pave the way for a more www.tomeslaw.com Lastly, an estate plan ensures that any debts or liabilities are taken care of properly in case something happens while on vacation. This can help prevent creditors from trying to collect from surviving family members after the fact – something no one wants to deal with during such a difficult time. Yes, Even Married Couples Need an Estate Plan You might think that because you are married, you don’t need an estate plan. Or you might even think your Will is enough and would just handle everything. But that’s generally not the case. Even if you are married, you still need medical powers of attorney, making it clear that you want your spouse making medical decisions While you can create an estate plan without legal assistance, there are serious risks to the people you love, if your plan is not completed, not updated after it’s been done once, or not completed properly. The only real guarantee for the people you love to have as much ease as possible is if you work with an experienced attorney specializing in estate planning, particularly Life & Legacy Planning. As your attorney, we understand what needs to go into a thorough and complete estate plan – as well as the potential pitfalls or issues that could arise due to your unique personal and family dynamics – so you can rest assured knowing everything is being taken care of properly before you embark on your trip. Don’t Let a Lack of Planning Ruin your Vacation or your Return! We can help put a plan together now so that you don’t forget about this important task before packing up for your next adventure. Making sure all your affairs are in order will ensure nothing stands in the way between you and enjoying time together and a peace of mind when you return home. Before you dismiss it, Bankruptcy might sound like a s ti gma or a failure, but in reality, it’s a legal process designed to offer a fresh start to individualsfacingoverwhelmingdebt. Many famous people had to use this legal process to ul ti mately go on and become not only strong parents and family members but also successful scientists, inventors and business people who mak e society a better place. Let’s delve into two common types: Chapter 7 depending on y our situation. Chapter 7 Bankruptcy: If expenses have l eft you drowning in debt, Chapter 7, ofte n known as “liquida ti on bankruptcy,” can provide relief by offer ing a How Bankruptcy Helps with Credit Card Debt: Experience immediate relief by hi tting the pause bu tt on on relentless creditor calls and collec ti on eff orts the moment you file for bankruptcy, thanks to the automa ti c stay in itiated by the process. Turn the page on credit card debt, providing a fresh start and the opportunity to begin a new chapter with peace of mind. Find breathing room through Chapter 13’s structured repayment plan, offe ring a method to gradually pay off debts without feeling su ffoc atedbymo unting interest. Whether you opt for Chapter 7 or Chapter 13, both avenues provide varying degrees of asset protectio n, ensuring you keep essentia l items and can move The after math of piling debt shouldn’t be a source of ongoing stress and worry. Bankruptcy provides a way out, a fresh start, and the chance As you face the dau nting credit card bills or medical bills, remember that you have options to ease the burden and pave the way for a more www.tomeslaw.com Bankruptcy Tax Audit and Resolution Estate Planning and Wills Business Startup and Growth 17 Broad Street, Suite 3 Freehold, NJ 07728 Telephone: (732) 333-0681 Fax: (732) 333-0682 of bacteria. Cloves
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