The Millstone Times December 2019

The Millstone Times is the premier newspaper in Millstone and the surrounding area of Central NJ.

The Millstone Times Allentown Clarksburg East Windsor Hightstown Millstone Monroe Perrineville Upper Freehold Twin Rivers TM FREE DECEMBER 2019 The Millstone Times Allentown Clarksburg East Windsor Hightstown Millstone Monroe Perrineville Upper Freehold Twin Rivers TM FREE JUNE 2018

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Need New CARPET or FLOORING? See page 19! Family Support Specialist Dan Berek (right) and Joseph E. work on a craft project during a recent picnic Advancing Opportunities' Family Support Services team held for the families it provides respite and recreation services too. Full story on pg. 5 PICNIC IN THE PARK Franklin H. Rainear, Jr. Affordable Funeral Service & Cremation LLC (888) 213-4090 A ffordAble S imple d irect c remAtion CREMATORY FEE INCLUDED & ABSOLUTELY NO HIDDEN COSTS DOES NOT INCLUDE OUTSIDE EXPENSES. NOT LIMITED TO: DEATH CERTIFICATES, PERMITS, GRATUITIES AND OBITUARIES, ETC. 609-250-0376 319 Rt 130, East Windsor BOOK ONLINE 24/7 Exciting Special Offer! SEE PAGE 5 All of us at Gunther Publications wish all of you Happy Holidays &Happy New Year! Happy Holidays! KIDDIE ACADEMY OF ROBBINSVILLE 1412 Route 130 • Hightstown, NJ 08520 (609) 224 1177 SCHEDULE A TOUR! 609-324-9900 22 Route 130, Yardville, NJ POOLINADAY.COM New Addition: Bull Grills LARGEST POOL STORE IN THE AREA! 1310 PROSPECT STREET/EWING, NJ FRANKLIN H. RAINEAR, JR. - MANAGER NJ LIC NO. 4543 FAMILY DENTISTRY • EMERGENCIES 500 Bridge Plaza Dr. (732) 446-2299


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IN THIS ISSUE: Family Matters. ................................. 14 Home Improvement............................ 18 Health and Wellness........................ 24 Food and Dining.................................. 34 Automotive . ....................................... 49 As We Age. ........................................... 54 Real Estate......................................... 61 Pet Pages............................................. 67 Kids . ................................................... 72

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Forty four years ago, the idea of having Santa fly into the Princeton Airport for the local children to experience was brought to life by the Nierenberg family, owners of the Prince- ton Airport. Throughout the years, this has evolved into a wonderful annual event for the families in our community. The tradition continues this year on Tuesday, December 24th at 11:00 A.M. when the airport hangar doors open to children awaiting Santa's arrival. Parents are advised to bring their children to the airport at 10:00 A.M., as the Princeton Airport Flying Tigers will be serving cocoa and cookies, and local folk singer Pat McKinley, starting at 10:30, will be leading the audience in holiday songs as everyone anticipates Santa's arrival.

If parents would like to have a gift waiting for their child, they should bring a wrapped gift with the child's name on it in large print to the Princeton Airport lobby. Gifts should be no larger than 12” to accommodate Santa. If parents have more than one child participating, the gifts should be wrapped in the same paper and tied together to speed up the distribu- tion. Also, to have their child participate, parents need to bring a gift for donation, as well. This is very important: These gifts must be new, unwrapped and will be collected by the Mercer County Board of Social Services. Personal checks made out to the “FoodBank Network of Somerset County”, as well as canned or boxed food are suitable alterna- tives accepted at the airport. Donations from non-participants are kindly accepted as well. Gift collection begins the day after Thanksgiving at 8:00 A.M. and ends on Tuesday, December 17th enabling county workers to arrange the best matches for the needy. The gifts can be deposited in the “chimneys” in the lobby of the airport between 8:00 A.M. and 6:00 P.M. Once Santa's plane lands, he will head into the hangar along with all the participants to distribute each gift individually. In fairness to all, Santa will distribute the gifts in the order in which they are received at the airport. Children will also have the opportunity to take a picture on Santa's lap. Usually, distribution is completed by 1:00 P.M. and Santa continues his journey. There is no charge for this event. The Princeton Airport is located in Montgomery Township, 3.5 miles north of Princeton on Route 206. The full address is 41 Airpark Road, Princeton, NJ, 08540. For further information, call 609-921-3100 or visit

4 The Millstone Times

December 2019

Freeholders hold groundbreaking for Sharon Station Road improvement project

The Monmouth County Board of Chosen Freeholders held a groundbreaking ceremony to mark the beginning of the roadway improvement project for Sharon Station Road (County Route 539A) from Allentown-Davis Station Road (County Route 539) to Allentown- Red Valley Road (County Route 526) on Wednesday, Oct. 23. “Through the collaboration with the township of Upper Freehold, the County will move forward with this road improvement project that will ultimately upgrade the safety along this 1.5 mile long corridor,” said Freeholder Director Thomas A. Arnone, liaison to the Department of Public Works and Engineering. “Both the County and Upper Freehold saw a need for improvements as Sharon Station Road is a well-traveled road. The safety of motorists who frequently drive this stretch of road is top-priority.” The project will improve operational safety of Sharon Station Road through the construction of a boulevard style roadway for the 1.5 mile long corridor. Roadway improvements include anupgraded traffic signal at the intersection with Allentown-Red Valley Road, a roundabout at the intersection withAllentown-Davis Station Road and the replacement of three existing County bridges designated as U-34, U-35 and U-94 over Doctors Creek and its streams. The construction contract was awarded on October 10, 2019 to Lucas Brothers, Incorporated in the amount of $18,519,220.00. The design consultant for this project is Van Cleef Engineering Associates and construction administration and inspections will be completed by Maser Consulting. Active construction is anticipated to take two years to complete and should commence by the end of 2019. In total, the County maintains approximately 1,000 lane miles of roads, 980 bridges and culverts and 250 traffic signals and beacons.


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Millstone Township’s Antonia Arpaia Competes in Miss New Jersey Teen USA By Pam Teel

For the Holidays

On November 22-24th the 2020 Miss New Jersey USA and Miss New Jersey Teen Pageants were held at the Resorts Casino Hotel, in Atlantic City, NJ. Representing Millstone Township in the Miss New Jersey Teen Division was seventeen year old Antonia Arpaia, a senior at Allentown High School. To qualify, contestants must be between the ages of 14-19 years of age as of 12/31/19 and must have never competed in a previous national Miss USA pageant. They must follow and adhere to all other rules and guidelines to qualify. Antonia entered the competition along with her

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friend from South Jersey. The two had to learn the correct way to walk on stage, take part in a 30 second dance, show character and poise in two wardrobe changes, introduce themselves in front of the panel and answer random questions from the judges. All contestants first met with a panel of seven judges who spent time with each one individually to learn about their talents, goals, and ambi- tions. Then the contestants went on to compete in three different phases. First the interview, second- dressed in active wear and third- dressed in an evening gown, where together they all performed a 30 second dance. The contestants got to rehearse walking and being on stage all throughout the weekend. The Teens are judged on their grace, style, poise, charm, self confidence, ability to communicate and overall impression. They were separated into teams and rehearsed together throughout the weekend. They not only learned how to walk on stage but they had to learn some choreography for their dance number. Eventually, over the weekend, contestants were weeded out, leaving only five finalists left. The winner went on to become New Jersey’s representative for Miss Teen USA 2020 and will become a role model for young woman all over the State. The Miss Universe Competition went on to reward the new winner a 10,000 dollar scholarship to be applied to a higher education tuition or other educational expenses, plus 5,000 in a cash prize, among other prizes. What compelled Antonia to try out was an ad she saw on instagram. She thought that it would be a cool thing to try out for, being that she would like to become a model in the near future. It started out with a phone in- terview and a background check to make sure she fit all the requirements for eligibility. What she was looking for from this experience was to be able to build up her confidence in herself, learn some aspects of modeling, get a feel for what is expected of a model, and most of all, to have a great positive experience. What she took away from this experience was the fact that she pushed herself to go outside of her comfort zone and she didn’t regret it. She met a lot of amazing people and bonded with many of the girls on her team. The girls seemed so warm and genuine that they plan on continuing to talk on chat and meet up in the near future. They were all kept busy during the weekend but still had a little time to go exploring along with a buddy. Even though she didn’t win, Antonia did great on her interview and with her routines, but most of all she had a lot of fun while she was there. This was an experience that she will cherish for a long time coming. “This was my first pageant, but who knows,” Antonia stated, “I might just participate in another one sometime.” To find out more about becoming a contestant go to: Miss Teen USA pageant online.

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6 The Millstone Times

December 2019

Sami’s Law: Smith-Cardin Introduce Legislation to Improve Ride-Share Safety

Bipartisan, bicameral legislation named to honor Samantha Joseph- son—a senior at the University of South Carolina who was kidnapped and brutally murdered by a man pretending to be her Uber driver— was introduced in both the House and Senate today to establish needed protections for ride-share customers across the country. Named Sami’s Law, the bill, authored by Republican Rep. Chris Smith (NJ-04) with lead Democratic cosponsor, Rep. Tom Suozzi (NY-03) in the House, HR 3262, and led in the Senate by Sen. Ben Cardin (D-MD) with Sen. Richard Blumenthal (D-CT) and Sen. Robert Menendez (D- NJ), S. 1871, will require enhanced vehicle identification procedures to create a safer environment for ride-share drivers and customers and to make it harder for those with ill intent from impersonating drivers. “Seymour and Marci Josephson are courageously working in their daughter’s, Sami’s, memory to protect ride-share passengers,” said Rep. Smith, who has partnered with the Josephson’s to promote safety. “Through their unspeakable pain, they are selflessly working for com- mon-sense laws to boost passenger safety and crack down on predators posing as ride-share drivers.”

“They have already made an enormous impact at home, as New Jersey has passed legislation that mirrors the federal version of Sami’s Law,” said Smith who represents Robbinsville, NJ where the Josephsons live. “But Sami’s murder underscores that we need federal legislation so that ride-share customers are equally protected in all 50 states.” “Congress has a responsibility to take reasonable action to protect public safety so that no other family has to endure the same tragedy as the Josephson family,” said Senator Cardin. “Ride sharing has become commonplace across the country today, making a nationwide response essential. No one should be left at risk.” Under Sami’s Law, all ride-share vehicles would be required to have a scannable Quick Response, or QR bar code on both back-passenger side windows that riders could scan on a smart devise to verify their ride before entering a vehicle. The bills also mandate state issued front license plates for ride-share vehicles and illuminated windshield signs visible in the day and at night from a dis- tance of 50 feet. To address reports of sexual assault, the bill also requires the GAO to conduct a study on the prevalence of assault and abuse perpetrated on riders by drivers of ride-hailing vehicles, and on drivers by ride-hailing passengers. The study will also assess the frequency and effectiveness of background checks conducted by ride-sharing companies on potential drivers and the state laws on background checks for drivers. States that don’t implement these regulations will lose 1 percent of their federal highway funding—a provision that is similar to the federal incentive used to motivate states to raise the drinking age to 21 and to prohibit open alcohol beverage containers in motor vehicles. In response to their daughter’s tragic death, the Josephsons are also seeking to educate ride-share passengers on the best safety practices, using the acronym S-A-M-I (“Stop, Ask, Match, Inform”) to teach riders to be alert to their surroundings, ensure the car they are entering is the correct ride-share vehicle, ask the driver to identify them by name, and tell friends to track their ride. In early May, the Josephsons met with Members of Congress and staff, and Administration officials to advocate for laws and policies that would protect ride-share passengers from predators posing as drivers.

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8 The Millstone Times

December 2019

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


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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The Logic of Logos and Catchphrases By Pam Teel

A logo says a lot about a company. It is the essence of what a company stands for and how we identify with a brand. Nowadays there are so many logos that we sometimes don’t take note of them. But if we were to look a little deeper behind the scenes we would find some interesting stories concerning some of the world’s favorite brands. Domino’s Pizza started out as DomiNiks: Domino’s Pizza logo used from 1996 until Sep- tember 2012 in major English-speaking countries, and still used in many others. There is no mistaking this international pizza brand. But this international franchise had humble beginnings, and its logo back then was way different from the one we know and love today. The company was started by two brothers, James and Tom Monaghan, in Ypsilanti, Michigan in 1960. Eventually brother Tom bought out James, who gave up his half of the business for Tom’s old car. Tom was a pioneer and visionary who cleaned up the brand and changed the name from DomiNiks to Domino’s. The original Domino's logo featured a semi-realistic looking red domino, with the Domino's Pizza wordmark usually being placed to either side of the domino. The dots on the domino represent the pizza chain's original three locations. Originally, Tom had planned to add a dot for each new restaurant opened but they opened so many they couldn’t fit all the dots.

One of the best lollipops around is Chupa Ch- ups: The brainchild behind the famous lollipop’s logo is none other than Salvador Dali. He designed the logo for Chupa Chups, and it has remained virtually unchanged since 1969. And why would they change it, as they have unique artwork on every lollipop at the request of the founder of the delicious lolly, Ernic Bernat, who happened to be Dali’s old friend. So everytime you buy a Chupa Chups you know you’re getting a unique piece of art for your mouth. The painter designed the wrappers while having lunch with Bernat. Before that, Bernat worked for an apple jam factory called "Granja Asturias". After he broached the idea of making lollipops, the investors left but Bernot went on to open the Chupa Chups lollipop Company. Bernot was the third generation child of a confectioner Catalan

family and started his working life in his parents' cake shop. (Chupa Chups is Spanish for- to suck.) Bernot built the production machines and sold a striped bonbon on a wooden stick for one peseta each. He got the idea of his lollipops from his getting sticky hands frommelting sweets. He felt that at that time, sweets were not designed for children. Shopkeepers were instructed to place Chupa Chups near the cash register within reach of children's hands, instead of the usual placement behind the counter. The Chupa Chups Company was a success. Within five years, Bernat's sweets were being sold at 300,000 outlets. When the candy was first created, the lolly sticks were made of wood but they switched to plastic sticks. As of 2003, 4 billion lollipops a year are sold to 150 countries, including America.

The original Starbucks logo would make Playboy blush, and con- sumers were up in arms: The iconic green mermaid logo is unmistakable and seems to appear everywhere. When the first Starbucks opened in Seattle's Pike Place Market in 1971, it didn't sell coffee drinks, just beans. The founders wanted to name the place after Captain Ahab's first mate Starbuck. Before that, they considered naming it after Ahab's boat, the Pequod but changed their mind when a friend tried out the tagline "Have a cup of Pequod." Since Starbucks was named after a nautical character, the original Starbucks logo was designed to reflect the se- ductive imagery of the sea and boasted an immodest bare-naked siren with her cleavage out for all to see. An early creative partner dug through old marine archives until he found an image of a siren from a 16th century Nordic woodcut. Many customers were offended by the half naked figure and launched a tirade against the company. The company toned down the mermaid and ensured that every new design of the logo tastefully hides the mermaid’s assets.

10 The Millstone Times

December 2019

Did you know……? Rudolph The Red-Nosed Reindeer By Pam Teel

Did you know the man who wrote the original story Rudolph the Red-Nosed Reindeer was an adman for a department store. The year was 1939, the Great Depression was waning and a manager at Montgomery Ward in Chicago de- cided that the store should create its own children's book for the annual holiday promotion. The boss tapped Robert L. May, an adman for the store, to take a crack at a story. May was a hit at holiday parties for his way with limericks and parodies. May had always felt like a bit of an outcast, and, at 35, he felt he was far from reaching his potential, pounding out catalog copy instead of writing the Great American Novel as he had always dreamed he would. The tradition at MWwas to give away coloring books for Christmas every year. May was assigned the task of a new promotional activity: create a holiday booklet to distribute to shoppers. Though a copywriter, May also enjoyed writing children's stories. His wife, Evelyn, had been bed-ridden suffering with cancer for two years, and May's income and savings had gone for her treatments. Dealing with her illness and their finances, he was pretty down and out at the time. Scrawny as a kid, May had often been teased, so he also knew well the plight of being different and

feeling ostracized. He'd written stories to comfort his four-year-old daughter Barbara during this time, so he wrote a poem for the booklet that would help Barbara better understand these issues, as well as the meaning of Christmas. The poem was the story of Rudolph the Red-Nosed Reindeer. Barbara actually helped in the development of the story. May began by telling it to her and seeing which parts she enjoyed making sure Rudolph would appeal to children. If she inquired about the meaning of any words, he would simplify the vocabulary. She even helped decide on the reindeer's final name. The now-famous story known to many the world over tells of a young reindeer ousted from the reindeer games because of his beaming bright red nose; an underdog, red-nosed reindeer who was in the right place at the right time just when Santa needed a reindeer with exceptional skills. Everybody knows Rudolph was the last reindeer to join Santa's crew, but few people know about the department store copywriter who brought his story to the world. Months into the project, May's wife died from cancer. Robert became a widower and a single father. His boss offered to take the reindeer project off his plate but May refused. "I needed Rudolph now more than ever," he later wrote. May’s boss didn’t particularly like the story because a red nosed image was often associated with drunkenness but the illustrations developed by May's art department co-worker, Denver Gillen, convinced the boss to run with it. It was an instant hit. Approximately two and a half million copies of the booklet were distributed that Christmas at MW throughout the US. While Rudolph was hitting it big, things grew worse for May. He was living on a copywriter's salary and spent years buried in debt from his wife's medical bills. When World War II started, the giveaway project ceased, yet throughout the war requests poured in for Rudolph books, toys, games, puzzles, records; none of which existed. The demand continued to grow each holiday season when the original booklet was brought out with the holiday decorations and read again to children. May was not able to pursue these requests, nor benefit from them because MW held the copyright and he didn't even have royalty rights. As a corporate employee when he created the story, the work belonged to his employer. The booklet's popularity continued, however, and by 1946, over 6 million copies had been given away. After World War II, Montgomery Ward's then-CEO Sewell Avery, for reasons that aren't exactly clear, gave May the rights to Rudolph. If ever there were going to be a time for May's luck to change, this would be it. May gathered the courage to approach the corporate president about the work. Sewell Avery was a wealthy (retired in 1955 with a fortune of $327 million), anti-union businessman, and one with a generous and altruistic nature. May convinced Avery to grant him the copyright. Thereafter, demands for Rudolph products swamped MW and Bob May, with businesses seeking permission to man- ufacture toys, puzzles, pajamas, slippers, and numerous other products. That year, the story was first printed commercially. It was also made into a short cartoon. It just so happened that May's brother-in-law, Johnny Marks, was an up and coming songwriter. He hadn't made it big yet, but he was getting there. May talked him into writing a song about Rudolph. That song was picked up by none other than the singing cowboy, Gene Autry. It sold more than 25 million copies and paved the way for the classic Rankin/Bass stop-animation film. Thanks to Rudolph, Robert May's family was taken care of financially through the end of his life and beyond. And he always delighted in being the man who introduced the oddball reindeer and his triumphant tale to the world. In 1951, May left Montgomery Ward to manage the Rudolph phenomenon for eight years, but he returned to work at the company that had been so good to him until his own retirement in 1971. His creation, born of simple work as a corporate employee, fueled by the love of his daughter and the courage to stake his claim in the work… became a significant legacy. And as for Rudolph, well, he, as they say, went down in history!

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Shopping in Stores By Lauren Kolacki

As technology becomes more advanced and prominent, it also becomes more prevalent. Automation is diminishing the need for actual people in many job fields. For instance, the use of computerized kiosks reduces the need for cashiers and ticket sellers, EZ pass decreases the amount of employed toll booth operators, and factory workers are being replaced by actual working robots. Technology has even depreciated the obligation to think for ourselves between spell check, calculators and the internet.

During the course of the last few years, the use of online shopping has escalated exceedingly, on account of, none other than technology. In order for shops to maintain an onsite clientele they need to make shopping in their store an experience more than just trying on and buying clothes. By incorporating VIP rooms, cafes and other trendy factors, retailers are able to make their shoppers feel special. In attempts to attract the youngest generation, some stores are even adding a photo backdrop and hashtags so that adolescents can upload their photos to Instagram and tag their location to share their experience online. Visual cues and other exclusive amenities contribute to an overall actuality of their memorable day.

12 The Millstone Times

December 2019

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Get Rid of Stress for the Holidays By Brianna Siciliano

Winter is one of the most stressful times of the year; no matter which direction you look, you will see holiday decorations, tasty

family and friends, we receive many offers and invitations to various holiday gatherings. We feel obligated to attend the parties that we

treats, amazing sales, and huge crowds. It is easy to feel overwhelmed and stressed during the most wonderful time of the year, but thankfully, there are ways to get rid of stress during this season. Holiday stress can be caused by many things, therefore it is vital to ask yourself what makes you feel nervous, anxious, and stressed around the holiday season. Is it the unhappy memories from childhood? Is this the first holiday season since you began a new chapter in your life? Do the holidays make you feel out of control? Well, whatever the

have continued to attend in the past, and we feel obligated to bring foods that people expect. We do not want to do any of these things, but we feel like we have to. Well, instead of giving in to these “obligations,” step aside and ask yourself, “Why am I doing these things when they make miserable? What makes me miserable about this situation?” Be conscious about the choices you are making. If you know that going to Aunt Pam’s house with your family is going to bring unneeded anxiety

Holiday traditions are supposed to be happy and joyous, not misera- ble and stressful.

case may be, it is important to acknowledge the fact that the key to getting rid of anxiety and stress that the holiday season brings is taking control over the holidays instead of letting the holidays take control of you. As we get closer and closer to celebrating important days with

and stress, then don’t attend the gathering! Holiday traditions are supposed to be happy and joyous, not miserable and stressful. Try something new this holiday season, and most importantly, only participate in gatherings and obligations that will be cheerful and stress-free.

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Healing Your Heart and Soul; Life After Divorce By Susan Heckler

A marriage is much like a fingerprint. Each one is different with subtle variations. And, like a fingerprint, a marriage leaves a lasting impression on you. When the marriage has run its course and the time has come to part ways, raw emotions come into play regardless of who initiated the divorce. We each feel the loss, not just of the relationship, but also of mutual dreams and commitments. No two divorces are the same; they are as unique as the individuals that comprised the marriage. There are, however, certain constants that run through everyone involved. Your divorce launched you into unfamiliar territory. Everything in your life has been disrupted. This includes your routine, responsibilities, your living arrangements, as well as your relationships with family and friends. You are no longer someone’s significant other; your identity needs to be redefined. Life goes on, just on a different course. It is very normal to be overwhelmed emotionally. Expect feelings of sadness, anger, exhaustion, frustration, confusion, anxiety, elation and any other emotion you can think of. They can slap you in the face at any time, and that is normal. You are in for an adjustment period of indefinite time; we all cope in our own way at our own speed. Give yourself time to stay at your Pity Party, but understand the longer you stay, the more entrenched you are in the negative. Your ultimate goal is to move on and be happy. One of the most important things that will help you heal is your support system. Hopefully you had a good safety net to catch you during your rocky marriage and turbulent divorce. Let your friends and family be there for you; talk to them. Venting is good. Be with the people you love; being alone is okay, just not all of the time. Feeling the love and support of

those around you will remind you of just how loved you are. If you find your support system lacking or not local, you may want to join a support group of people in like circumstances. Meeting new people, especially singles, is great. Your married friends are of tremendous value in your life but sometimes being the only non-couple at the party can be depressing. The strain and upset of your divorce can leave you not only psychologically vulnerable but also physically. Give yourself some relaxation and pampering time. Regular exercise is a great stress reliever and works as an antidepressant. Eat healthy; don’t take your mood out on your body. Now is a great time to pursue those hobbies and interests you always thought about. Rediscover yourself as an individual. Remember, you are not the only one who got divorced. Your children are reeling and need their parent’s unconditional love and support. Try

not to involve them in the minutia and mind games. Avoid impulsive decisions when your emotions are on hyper-drive. What sounds like a good idea may be disastrous. Try to keep your sense of humor, it is much better to laugh at a situation than to cry and be depressed. Go have some fun and remember how to smile. My rule of thumb…the best revenge is to live happily ever after. It is not The End.

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December 2019


Enjoy a long retirement with multiple income streams

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 is essential to helping 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 generally are best used 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 also provide interest income. Sale or conversion of investment assets — Once you reach age 70½, 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, however. Social Security benefits — Although the rules have recently changed, the best 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 help assure 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, no matter what happens in the markets. Read the prospectus carefully to understand the objectives, risks, charges and expenses before investing in an annuity. Reverse mortgage equity — While a reverse mortgage is not suitable for everyone, for those needing to tap the equity in their homes, it can be something to think about. A reverse mortgage can either provide you with additional regular income payments or be used as a strategy during down markets when withdrawals from your portfolio may be unfavorable. 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.

Christopher J. Estevez, Sr. CFP ® Senior Vice President – Financial Advisor, Accredited Wealth Manager

328 Newman Springs Road | Red Bank, NJ 07701 Work: (732) 576-4622 | Fax: (732) 576-4601 | NLMS#1663158 through City National Bank

Non-deposit investment products: • Not FDIC insured • Not bank guaranteed • May lose value

This article is provided by RBC Wealth Management on behalf of Chris Estevez, a Financial Advisor at RBC Wealth Management, and may not be exclusive to this publication. The information included in this article is not intended to be used as the primary basis for making investment decisions. RBC Wealth Management does not endorse this organization or publication. Consult your investment professional for additional information and guidance. Christopher Estevez, NMLS 1663158 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. © 2018 RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, and are subject to City National Bank’s terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC. Investment and insurance products offered through RBC We lth Management are not insured by the FDIC or any other fed ral gov rnment agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to i vest t risks, including possible loss of the principal amount invested. (please ensure that this portion of text is bolded in the final product) RBC Wealth Management and/or its employees may receive compensation for referring customers to City National Bank.

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FAMILY MATTERS Parenting a Tween Be There for Your Child in the Formative Years TRANSITIONING

Help your child transition from elementary to middle school. Discuss the concerns he or she may have before starting middle school, such as learning from many teachers, getting to class on time, finding his or her locker, getting on the right bus, knowing where the cafeteria is, navigating crowded hallways and doing more homework. Talk to your child about the physical and social changes and the social pressures that often occur in the middle school years. PARENTAL INVOLVEMENT Communicate often with your child, the teachers, and the principal, vice principal or both. Visit the school Be knowledgeable about the place where your child learns. You may want to ask the following questions of your child’s teachers: • Is there a transition program for students leaving elementary school and entering middle or junior high school? • Are counselors available who can help your child transition to middle school? • Are teachers and principals accessible to parents? • When are the parents’ nights, sports and art events, and other times when parents are invited to visit the school?

• When can parents volunteer at the school? Help your child organize a schedule Help your child set goals with a time limit for completing particular tasks. Listen to what your child tells you and is really saying between the lines. Be sensitive to any fears your child might have. Sometimes it is helpful to reserve comments and actions until you have facts about a situation and know how your child thinks and feels about it. Discuss peer pressure Communication is the key to being helpful to your child in the pre-teen years. Welcome and get to know your child’s friends. Become aware of physical and emotional changes in your child. Reading in the middle school years Reading is an important part of the middle school years. Many of the subjects your child studies in middle school involve much more reading than in elementary school. Check with your child’s school counselor to see what your child’s reading level is. If your child reads below grade level, check with the school to see what additional programs are available to help improve your child’s skills. Looking to the future Help your child focus on preparing academically for high school and college. Encourage your child to take challenging classes. You may want to ask these questions: • Will the classes your child takes help him or her be competitive in college and the work world? • Is your child having trouble in any classes? • What tutoring programs are available? • Does your child have good study habits? • Does he or she read what is necessary to complete an assignment? Hand in assignments on time? Prepare ahead of time for assignments and tests instead of cramming at the last minute? • Does your child have the supplies needed to complete assignments? The middle school years are a time of transition: emotional, physical, social and academic. Your support and involvement are essential at this stage of your child’s growth. Research shows that pre-teens do better in school when their parents are involved in their lives.

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DO YOU HAVE UMBRELLA COVERAGE ? By John Bazzurro Over the past several weeks, I have had two unfortunate situations that have arose in my practice that have prompted me to write this article concerning something called “umbrella coverage.” Despite its name, this type of insurance coverage has nothing to do with protection from weather events. As will be seen below, “umbrella coverage” is another layer of insurance coverage that is recommended in order to properly protect you and your family against judgments and lawsuits arising out of your negligence or the negligence of a family member within your household. In one case, my client was significantly injured in a motor vehicle accident with a 17-year-old boy who had only recently received his drivers’ license. The automobile insurance policy on the young man’s vehicle had policy limits of $250,000.00 for the benefit of parties injured as a result of the negligent operation of the vehicle. The young man and his family live in a large home in an upper class Township within Monmouth County and, as such, it would seem that he and his family would have a reason to protect their assets over and above the $250,000.00 policy limits of their automobile insurance. Unfortunately, they didnot have additional insurance coverage and, as such, given the significant nature of my client’s injuries, their personal assets could now be in jeopardy in the litigation. In another case, a client of mine caused a significant accident in which a number of people were injured. Although I only represented her on the traffic tickets she received, both her and her husband inquired as to whether or not it was likely that they were going to be sued for personal injuries arising out of the accident. Similar to the family above, my client and her husband only had automobile insurance with $300,000.00 in policy limits to cover the injuries sustained by the other individuals involved in the accident. The client’s husband was a medical professional and, once again, had significant assets over and above the $300,000.00 policy limits which he and his wife should have protected. When I asked them if they had “umbrella coverage” to further protect them, they did not know what it was. At a minimum, if you own a home and an automobile, you should have an automobile insurance policy that protects you against injuries you cause in a motor vehicle accident as well as homeowners’ insurance which protects you against injuries caused by you and your resident family members for negligent acts (other than an automobile accident) that cause injuries to others. All homeowners’ insurance policies contain an “automobile exclusion” for which the homeowners’ policy will not cover injuries to others as result of the operation of an automobile. If either of these policy limits are insufficient to “pay for” the injured parties’ injuries, “umbrella coverage” is intended to supplement your policy limits. Typically, “umbrella coverage” is purchased to supplement the above referenced automobile insurance policy limits and homeowners’ coverage policy limits; often at a reasonable rate. Such “umbrella coverage” is utilized and necessary to protect assets when your assets are greater than the policy limits afforded by either your homeowners’ policy or motor vehicle policy. Unlike homeowners’ coverage, “umbrella coverage” does not contain an “automobile exclusion” and, as such, would be available to supplement automobile insurance coverage in the two scenarios described above. Accordingly, while it is a good idea to review your insurance coverages on a regular basis with a qualified insurance agent or broker, you should always be cognizant of the amount of your automobile coverage and homeowners’ coverage in relation to the amount of assets you intend to protect. Importantly, regardless of the amount of assets you presently have, a judgment against you arising out of your negligent acts may last for 20 years or more and, therefore, assets which you accrue in the future may also be in jeopardy. So, regardless of the level of your present assets, it may be a good idea to protect your future with such “umbrella coverage.” Should you have any questions concerning this article, please feel free to contact my office or, alternatively, immediately discuss these issues with a qualified insurance agent or broker. JOHN T. BAZZURRO, Esq. CERTIFIED BY THE SUPREME COURT OF NEW JERSEY AS A CIVIL TRIAL ATTORNEY

Large Firm Representation With Personal Attention

AREAS OF PRACTICE: • Municipal Court Practice, Including Defense of DWI, Traffic Tickets and Non-Indictable Offenses • Workers Compensation

• General Civil Litigation • Employment Law • Residential and Commercial Real Estate Transactions

• Personal Injury • Motor Vehicle Accidents • Nursing Home Neglect • Wills

Certified by the Supreme Court of New Jersey as a Civil Trial Attorney Member of New Jersey and New York Bars

David P. Levine, Esq. Of Counsel to the Firm Michael B. Shaw, Esq., Associate Attorney 200 Meco Drive, Millstone Twp., NJ Email: 732-410-5350 •

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