CNJ+ September 2024

SEPTEMBER 2024 ISSUE 162

FORMERLY THE MILLSTONE TIMES WE ARE CONTINUING TO GROW TO SERVE YOUR NEEDS

Help Is Here!

Top 5 Bathroom Safety Tips For Senior Citizens

READ MORE ON PAGE 20 Central New Jersey and Beyond

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CNJ+ | FORMERLY THE MILLSTONE TIMES

SEPTEMBER 2024

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©2015 by Gunther Publishing Ent. The content of GPE publications ©2015 by Gunther Publishing Ent. The content of GPE publications

receipt available. All GPE products are distributed free of charge. Average reader per copy is 2.1. No copying or reproduction of the content of this newspaper is allowed without the express written permission from the publisher. GPEs publisher/owner reserves the rights over all electronic copying and reproduction of material contained here within. The publisher, editor, agents, and sales Credit for mistakes shall not exceed the costs of the ad in the month which the error occurred. receipt available. All GPE products are distributed free of charge. Average reader per copy is 2.1. No copying or reproduction of the content of this newspaper is allowed without the express written permission from the publisher. GPEs publisher/owner reserves the rights over all electronic copying and reproduction of material contained here within. The publisher, editor, agents, and sales Credit for mistakes shall not exceed the costs of the ad in the month which the error occurred.

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a gift of love 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 resurrection cemetery featuring mausoleum of the holy spirit Hoes Lane and Park Ave, Piscataway, NJ 08854 • Premier glass niches available for cremated remains • pre construction pricing available Hoes Lane and Park Ave, Piscataway, NJ 08854 • Premier glass niches available for cremated remains • pre construction pricing available wsiworld.com/bhavesh-desai (609) 286.7000 b.desai@wsiworld.com wsiworld.com/bhavesh-desai b.desai@wsiworld.com wsiworld.com/bhavesh-desai (609) 286.7000 b.desai@wsiworld.com wsiworld.com/bhavesh-desai (609) 286.7000 b.desai@wsiworld.com Your Trusted Partner For Digital Marketing Brian Desai #Local SEO Your Trusted Partner For Digital Marketing Brian Desai #Local SEO #Google Ads Your Trusted Partner For Digital Marketing Brian Desai #Local SEO #Google Ads Your Trusted Partner For Digital Marketing Brian Desai #Local SEO #Online Reputation #Google Ads #Customer Engagement #FaceBook Ads #Website Production Pickup Special #Online Reputation #Customer Engagement #Website Production #Brand Awareness #Customer Engagement #Website Production #Brand Awareness #Brand Awareness #Google Ads #FaceBook Ads #Get More Leads #FaceBook Ads #Get More Leads #Online Reputation

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CNJ+ | FORMERLY THE MILLSTONE TIMES

SEPTEMBER 2024

THE INCREDIBLE HEALING POWER OF PRAYER By Richard Mabey Jr.

wsiworld. (609) 28 b.desai@ #FaceBook Ad #Get More Le But more than telling me wonderful and colorful tales of life along the old Morris Canal, Grandpa would often pray for me. Grandpa would sit at my old desk chair, on the right-hand side of my bed and pray and pray and pray for me. While sitting down, Grand pa would place his right hand upon my right shoulder, close his eyes and most earnestly pray for God to heal me. The late Dr. Martin Rosen thal was my doctor. He would climb up the 15 steps of the old Mabey Homestead, with his lit tle black bag in one hand and a portable EKG Machine in his other hand. He was a wonder ful doctor. I remember one time; Dr. Rosenthal entered my bed Your Tru BrianD When I was 12 years old, I had a severe case of Rheumatic Fever. For one full year of my life, my feet never touched the ground. I spent the entire year, except for the times I was in the hospital, in my bedroom. Grandpa would often come into my room to visit with me. He loved to tell me his remem brances of working on the old Morris Canal. For decades, Grandpa served as the Chief Engineer of Incline Plane Ten East. #Local SEO #Google Ads Growing up in the old Mabey Homestead in Lincoln Park, Grandma and Grandpa Mabey lived with us. If you faced the old farmhouse, my bedroom was on the second floor, in the front of the house on the right-hand side. Grandma and Grandpa’s bedroom was right behind mine. Both of our bedrooms looked out to West Drive on the side.

room while Grandpa was praying for me. Grandpa was so lost in praying for me, that it took him a few seconds to realize that Dr. Rosenthal was in my room with us. I think that Dr. Rosenthal was a little amazed of the sincerity and earnest voice tone of my dear grandfather’s prayer. I deeply believe, without one iota of doubt, that my grand father’s prayers greatly helped me to heal. For the strep in fection had moved from my throat to the valves of my heart. I was most seriously ill. My grandfather, Watson Mabey, did not have a lot of formal education, yet he was one of the wisest men I have ever known. He knew the ways of wildlife. He had a great knowledge of wildflowers. He would often leave apples at the end of Mabey Lane, in the for est area, for the deer to enjoy. Grandpa went Home to be with the Lord in May of 1968. I don’t think a day has gone by that I haven’t thought about that dear, kind, gentle, strong old man. In many ways, he taught me the fine art of story telling. If there is one thing I can share with you, dear reader, it is this. Never, ever, ever under estimate the incredible healing power of prayer. For God loves you, more than you will ever know. Richard Mabey Jr. is a free lance writer. He hosts a You Tube Channel titled, “Richard Mabey Presents.” Richard most recently published a book of po etry and short stories. He can be reached at richardmabeyjr@ gmail.com.

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An old, old picture of my dear paternal grandparents, Watson and Bertha Mabey.

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CNJ+ | FORMERLY THE MILLSTONE TIMES

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GUNTHERPUBLICATIONS.COM

CHILD, ADOLESCENT & ADULT PSYCHIATRIST ELEVATE YOUR MAGAZINE WITH EXPERT PUBLISHING SERVICES FROM GUNTHER PUBLICATIONS Introduction

as such. We offer personalized publishing solutions for your requirements, from book design to distribution, ensuring your vision is brought to life. 3. Magazine and Print Media Expertise: We specialize in magazine publishing and print media. Our expertise in these areas ensures your publication stands out in a crowded market. 4. Digital Publishing Excellence: Embrace the digital age with our digital publishing services. We provide comprehensive support to help you navigate the digital landscape and ensure your magazine is available across all major platforms. Our digital publishing services al low you to reach a wider audience, enjoy faster distri bution, and reduce your environmental footprint. With digital publishing, your magazine can reach readers

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CNJ+ | FORMERLY THE MILLSTONE TIMES

SEPTEMBER 2024

The Man Behind the Time Piece ROLEX - HANS WILSDORF By Lauren Kowlacki

ANTIQUES & COLLECTIBLES BUYERS ESTATE LIQUIDATORS

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Hans Wilsdorf was a German businessman, best known as the founder of Rolex and Tudor. Wilsdorf’s philosophy for the companies was, “only great marketing is needed to make a com pany successful.” He was born in Kulmbach Bavaria to Anna and Johan Daniel Ferdinand Wilsdorf and was the second son of a family of three children. His mother died when he was a boy and he became an orphan when his father died soon after when Hans was twelve years old. His uncle had him sent to boarding school since he couldn’t take care of him. This environment made him self-re liant, scrapping for every advantage he could gain. From 1900-1905 he worked for high-quali ty watch companies. — 1908- Founded and Registered The Name Rolex — 1910: A Rolex watch became the world’s first wristwatch to receive the Swiss Certificate of Chronometric Precision, awarded by the Official Watch Rating Center in Bienne — 1911: Married Florence Frances May Crotty — 1914: A 25mm Rolex wristlet won a class “A” certificate at the Kew Observatory

— 1914: World War I begins — 1919: Moved Rolex headquarters to Geneva, Switzerland — 1920: Registers Montres Rolex S.A. in Ge neva — 1925: Trademarks the now-famous five point Rolex crown logo — 1926: Patents the Rolex Oyster, the first dustproof and waterproof wristwatch — 1927: Reserves the front page of the Daily Mail newspaper to announce to the world that the waterproof Rolex-Oyster survived Mercedes Gleitze’s 15-hour swim in the English Channel — 1931: Develops and patents the Perpetual rotor, a mechanism to automatically wind up the movement — 1939: World War II begins — 1944: Establishes the Hans Wilsdorf Foun dation after his wife passes away and transfers 100% of his shares to the foundation — 1945: Releases the Rolex Datejust to mark the 40th anniversary of the company — 1950s: A decade of famous Rolex watches are introduced: Explorer, Submariner, GMT-Master, Milgauss, Day-Date, and Lady-Datejust — 1960: Dies in Geneva, Switzerland, on July 6

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Fun Facts: Constitution Day – September 17

We the People

On February 29, 1952, Congress designated September 17 as Constitution Day and Citizenship Day. This day commemorates the signing of the U.S. Constitution on September 17, 1787, and recognizes all American citizens. Did you know that the census is written into the Constitution? That’s right! Article I, Section 2, of the U.S. Constitution prescribes that a count of the U.S. population be done every ten years.

3,929,214 U.S. population in 1790

331,449,281 U.S. population in 2020

From Founder to President Number of U.S. counties with names matching the last names of the founders of the Constitution who also served as U.S. presidents. 12 —Adams

In 2020, there were approximately 331 million people living in the United States including: • Almost 278 million who were born in the United States. • Roughly 2 million who were born in Puerto Rico or U.S. Island Areas. • About 3 million who were born abroad of American parent(s). • Nearly 23 million who became a citizen at some point after birth. • Approximately 22 million who are not a U.S. citizen.

26 —Jefferson 20 —Madison 31 —Washington

Freedom of Speech • Approximately $5.9 billion —The total first quarter revenue of U.S. newspaper publishers in 2022* • Approximately $6.3 billion —The total first quarter revenue of U.S. magazine (periodical) publishers in 2022* • Approximately $10.0 billion —The total first quarter revenue of U.S. book and other publishers in 2022* *Seasonally adjusted

Collecting Taxes • About $6.23 —The amount of state and local government taxes collected per person in 1880. • About $5,672 —The amount of state and local government taxes collected per person in 2020. • $6.23 in 1880 per capita dollars is equal to $167.07 in 2020 according to the Federal Reserve Bank of Minneapolis.

Quartering of Soldiers • About 217,000 —The number of U.S. service members in the American Revolution between 1775-1783. • Approximately 18 million —The number of veterans in the United States in 2019.

Sources: Data on this page come from the U.S. Census Bureau’s 1790 Census; 2020 Decennial Census; 2020 American Community Survey, 5-Year Estimates; Nativity and Citizenship Status in the United States; Universe: Total population in the United States; 2021 Gazetteer County; 2022 Quarterly Services Survey; U.S. Department of Veterans Affairs; 2019 ACS 5-Year Estimates; 2019 State and Local Government Finance Survey; and Federal Reserve Bank of Minneapolis.

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GETTING TO SCHOOL SAFELY T here comes a time when your little boy or girl transforms into a young adult, fully capable of driving to school. While this can be an overwhelming experience for mom and dad, it also is one that can teach your child great independence and responsibility. Getting to School Safely

There comes a time when your little boy or girl transforms into a young adult, fully capable of driving to school. While this can be an overwhelming experience for mom and dad, it also is one that can teach your child great independence and responsibil ity. As technology continues to evolve, it is more important than ever to outline the dangers of distracted driving. Below are some eye-opening statistics that could lead to further conversation with your teen on the importance of staying focused while driving. The AAA Foundation for Traffic Safety found that distraction was a factor in nearly six out of 10 moderate to severe teen crash As technology continues to evolve, it is more important than ever to outline the dan gers of distracted driving. Below are some eye-opening statistics that could lead to further conversation with your teen on the importance of staying focused while driving. The AAA Foundation for Traffic Safety found that dis traction was a factor in nearly six out of 10 moderate to severe teen crashes, which is four times as many as official estimates based on police reports. The most common forms of distraction leading up to a crash by a teen driver, accord ing to the AAA, include: • Interacting with one or more passengers: 15 percent; • Cell phone use: 12 percent; • Looking at something in the vehicle: 10 percent; • Looking at something out side the vehicle: 9 percent; • Singing/moving to music: 8 percent; • Grooming: 6 percent; and • Reaching for an object: 6 percent. CHILD PASSENGER TIPS You may decide to enlist the help of your teen driver in

• Looking at something outside the vehi cle: 9 percent; • Singing/moving to music: 8 percent; • Grooming: 6 percent; and • Reaching for an object: 6 percent. Child Passenger Tips You may decide to enlist the help of your teen driver in transporting younger siblings to school or daycare. Here are some tips on passenger safety from the American Acade my of Pediatrics:

• All passengers should wear a seat belt or use an age- and size-appropriate car safety seat or booster seat. • Your child should ride in a car safety seat with a harness as long as possible and then ride in a belt-positioning booster seat. • Your child is ready for a booster seat when she has reached the top weight or height allowed for her seat, her shoulders are above the top harness slots, or her ears have reached the top of the seat. • Your child should ride in a belt-positioning booster seat until the vehi cle’s seat belt fits properly (usually when the child reaches about 4-foot-9 in height and is between 8 and 12 years of age). height allowed for her seat, her shoulders are above the top harness slots, or her ears have reached the top of the seat. • Your child should ride in a belt-positioning booster seat until the vehicle’s seat belt fits properly (usually when the child reaches about 4-foot-9 in height and is between 8 and 12 years of age). © FOTOLIA

• All passengers should wear a seat belt or use an age- and size-appropriate car safety seat or booster seat.

as long as possible and then ride in a belt-positioning booster seat.

es, which is four times as many as official estimates based on police reports. The most common forms of distraction leading up to a crash by a teen driver, according to the AAA, include: • Interacting with one or more passengers: 15 percent; • Cell phone use: 12 percent; • Looking at something in the vehicle: 10 percent; transporting younger siblings to school or daycare. Here are some tips on passenger safety from the American Academy of Pediatrics: • Your child should ride in a car safety seat with a harness • Your child is ready for a booster seat when she has reached the top weight or

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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. With high inflation, the unemployment rate going up and medical illness again on the rise, good people are struggling financially. If you’re feeling overwhelmed by the financial aftermath, it’s essential you explore solutions that can provide relief and pave the way for a brighter financial future. Often the holidays and year end becomes the final weight that 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. With new funding and new hires, the IRS Collection Division has been in full swing this year. After receiving your first collection notice, the IRS has certain deadlines it has to follow with respect to these notices. Worse, if you received notices before the pandemic, those notices still apply 4 years later allowing the IRS to just move on to the next collection notice. Additionally from experience, many clients come to us with unopened mail from the IRS because they did not just want to deal with reading it. What do you do if you can’t pay? When faced with back taxes that exceed your current financial ability, it is important to seek out a resolution before you find your bank account has been wiped out by the IRS or your employer received a notice to start garnishing your wages. There are 4 basic ways to resolve back taxes so that you are not faced with collection. 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. With high inflation, the unemployment rate going up and medical illness again on the rise, good people are struggling financially. If you’re feeling overwhelmed by the financial aftermath, it’s essential you explore solutions that can provide relief and pave the way for a brighter financial future. Often the holidays and year end becomes the final weight that 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, alleviating the burden that has been causing you sleepless nights. What sets Chapter 7 apart is its swift resolution, offering a relatively speedy way out of the never-ending financial struggle and allowing you to leave the stress behind sooner. Chapter 13 Bankruptcy: For those seeking to retain their assets and embark on a journey to gradually settle their debts, Chapter 13 provides a structured repayment plan customized to your financial 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 matters most. Moreover, Chapter 13 empowers you to reimagine the narrative of credit card debt by incorporating it into a manageable repayment plan, offering a more optimistic outlook on your financial future. How Bankruptcy Helps with Credit Card Debt: Experience immediate relief by hitting the pause button on relentless creditor calls and collection efforts the moment you file for bankruptcy, thanks to the automatic stay initiated by the process. Turn the page on financial troubles by entirely wiping out eligible 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, offering a method to gradually pay off debts without feeling suffocated by mounting interest. Whether you opt for Chapter 7 or Chapter 13, both avenues provide varying degrees of asset protection, ensuring you keep essential items and can move forward with confidence. The aftermath of piling debt shouldn’t be a source of ongoing stress and worry. Bankruptcy provides a way out, a fresh start, and the chance to regain control of your financial well-being. As you face the daunting credit card bills or medical bills, remember that you have options to ease the burden and pave the way for a more secure and optimistic financial future. until you can pay taxes. If your assets have minimal cash equity and your income is solely used for living expenses, the IRS may determine that your tax liability is currently not collectible. However, it’s important to note that you may be required to make payments if your income increases in the future or if you come into assets that have value. Partial Payment Installment Agreement (PPIA): A Partial Payment Installment Agreement is suitable when the statute of limitations expires before the full tax liability is paid. In this case, you make payments until the expiration date, potentially resulting in a reduced total payment to the IRS. Consulting a tax professional can help you maximize the benefits of a PPIA. Installment Agreement (IA): An Installment Agreement involves paying the entire tax liability over a period of time. This option allows you to break down the payment into manageable installments, reducing the financial burden. There are many different types of installment agreements that can be negotiated in terms of number of months, step up payments and step down payments depending on your financial situation. At Tomes Law Firm, we evaluate each situation for you and assist you in determining which will result in the lowest payment by law. Not every taxpayer qualifies for every program the IRS has, despite the television advertisements. In fact, only a small percentage of taxpayers qualify for the “pennies on the dollar” commercial that is broadcast everywhere as a sales tactic. However, there are other programs that can result in reducing your debt or at least structing your payments so you can live without fear of you bank account being draining and your debit card rejected at the grocery store. While many think the IRS will just work with the taxpayer and tell them which programs are relevant, that is not the job of the IRS. The IRS revenue officers are required to collect as much tax as quickly as possible. Talking to the IRS or State Tax Division alone is like talking the police without a criminal defense attorney. The agents will try to get more information than they are entitled to and not tell you of your rights under the IRS Code or the IRS Manual. clean slate. This process discharges eligible credit card debt, alleviating the burden that has been causing you sleepless nights. What sets Chapter 7 apart is its swift resolution, offering a relatively speedy way out of the never-ending financial struggle and allowing you to leave the stress behind sooner. Chapter 13 Bankruptcy: For those seeking to retain their assets and embark on a journey to gradually settle their debts, Chapter 13 provides a structured repayment plan customized to your financial 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 matters most. Moreover, Chapter 13 empowers you to reimagine the narrative of credit card debt by incorporating it into a manageable repayment plan, offering a more optimistic outlook on your financial future. How Bankruptcy Helps with Credit Card Debt: Experience immediate relief by hitting the pause button on relentless creditor calls and collection efforts the moment you file for bankruptcy, thanks to the automatic stay initiated by the process. Turn the page on financial troubles by entirely wiping out eligible 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, offering a method to gradually pay off debts without feeling suffocated by mounting interest. Whether you opt for Chapter 7 or Chapter 13, both avenues provide varying degrees of asset protection, ensuring you keep essential items and can move forward with confidence. The aftermath of piling debt shouldn’t be a source of ongoing stress and worry. Bankruptcy provides a way out, a fresh start, and the chance to regain control of your financial well-being. As you face the daunting credit card bills or medical bills, remember that you have options to ease the burden and pave the way for a more secure and optimistic financial future.

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Before you dismiss it, Bankruptcy might sound like a stigma or a failure, but in reality, it’s a legal process designed to offer a fresh start to individuals facing overwhelming debt. Many famous people had to use this legal process to ultimately go on and become not only strong parents and family members but also successful scientists, inventors and business people who make society a better place. Let’s delve into two common types: Chapter 7 and Chapter 13, each offering unique benefits depending on your situation. Chapter 7 Bankruptcy: If expenses have left you drowning in debt, Chapter 7, often known as “liquidation bankruptcy,” can provide relief by offering a Offer in Compromise (OIC): The Offer in Compromise also known as the Fresh Start program allows you to settle your taxes for less than the total amount owed. This is what most of the commercials refer to when they say settle your case for pennies on dollar. It is important to understand that very few taxpayers qualify for this program. The IRS will assess your assets and available funds after paying monthly bills to determine the settlement amount. While the OIC can result in substantial savings, it’s advisable to seek the expertise of a licensed tax professional to navigate the process effectively and who can argue for you why the IRS should allow certain expenses to lower your payment. Currently Not Collectible (CNC) Status: The CNC program suspends collection activity Before you dismiss it, Bankruptcy might sound like a stigma or a failure, but in reality, it’s a legal process designed to offer a fresh start to individuals facing overwhelming debt. Many famous people had to use this legal process to ultimately go on and become not only strong parents and family members but also successful scientists, inventors and business people who make society a better place. Let’s delve into two common types: Chapter 7 and Chapter 13, each offering unique benefits depending on your situation. Chapter 7 Bankruptcy: If expenses have left you drowning in debt, Chapter 7, often known as “liquidation bankruptcy,” can provide relief by offering a

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www.haldemandirect.com | 833-878-7898 640 US Highway 130 And Hickory Corner Rd. East Windsor, NJ 08520