The Millstone Times - December 2022
The Millstone Times is the premier newspaper in Millstone and the surrounding area of Central NJ. 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.
The Millstone Times Allentown Clarksburg East Windsor Hightstown Millstone Monroe Perrineville Upper Freehold Twin Rivers Roosevelt Jackson TM FREE DECEMBER 2022
‘Friends of Cyrus II’ diversifies their services into the Millstone Township area with their state-of-the-art Adult Day Habilitation Program, which will provide quality and comprehensive care to adults with Intellectual and Developmental Disabilities. This brand-new program will join 2 others and the 24 community residences ‘Friends of Cyrus II’ presides over in Burlington, Camden, Middlesex, and Monmouth Counties. After months of preparations, Friends of Cyrus II announces the culmination of their Mill stone Township Adult Day Habilitation Program. This advanced program will provide com prehensive and expert care from highly trained and educated staff, to adults with intellectual and developmental disabilities (I/DD). Friends of Cyrus II (FOCII) was founded about 10 years ago by Kamelia Kameli, CEO. Ka melia saw first- hand the desperate need for services for those with I/DD upon adulthood due to her son Cyrus who is Autistic and non-verbal, also requiring an “appropriate program.” While exploring every option of disability services for Cyrus, Kamelia decided that there were others like him who deserved more. And thus, Friends of Cyrus II was born. The Millstone Township Adult Day Program, is FOCII’s third day habilitation program, which is officially open and operational fromMonday to Friday, 9 A.M. to 3 P.M. The program is over seen by an experienced and knowledgeable Director, Jennifer Overfield. “I am excited to serve each individual as a person to collectively build a thriving, inclusive program,” states Jennifer. Continued on page 5...
All of us at Gunther Publications wish all of you Happy Holidays and a Happy New Year!
NEED NEW CARPET OR FLOORING? See page 19! Over 100 years of service spanning four gen rations
Over 100 years of service spanning four generations
mate 732.338.2670 rt Homes• Panel Upgrades Home, Pool, Spa, Landscape
Over 100 years of service spanning four generations
Call for an Estimate 732.432.0164 • Generators • Smart Homes• Panel Upgrades • Lighting for your Home, Pool, Spa, Landscape Call for an Estimate 732.338.2670 • Generators • Smart Homes• Panel Upgrades • Lighting for your Home, Pool, Spa, Landscape
Generac Automatic Standby Generators
Generac Automatic Standby Generators
danley911.com | 9 Federal Rd, Monroe, NJ 08831 • NJ Electrical License #14923 | HVACR License #637600 Bonded and Insured
Monroe, NJ 08831 • NJ Electrical License #14923 | HVACR License #637600 Bonded and Insured
Your Trusted Partner For Digital Marketing Brian D esai #Local SEO
Your Trusted Partner JUNCTION BARBER SHOP For Digital Marketing Brian D esai #Local SEO #Online Reputation #Google Ads #Customer Engagement #FaceBook Ads #Website Production #Get More Leads #Brand Awareness TUES - FRI 10AM TO 6PM • SAT 8:30AM TO 4PM 609-799-8554 • JUNCTIONBARBERSHOP.COM 33 Princeton-Hightstown Rd Princeton Jct, NJ
Your Trusted Partner For Digital Marketing Brian D esai #Local SEO wsiworld.com/ bhavesh-desai (609) 286.7000 firstname.lastname@example.org Your Trusted Partner For Digital Marketing Brian D esai #Local SEO #Google Ads #FaceBook Ads #Get More Leads #Google Ads #FaceBook Ads #Get More Leads #Google Ads #FaceBook Ads #Get More Leads
#Online Reputation #Customer Engagement #Website Production #Brand Awareness Your Trusted Partner For Digital Marketing Brian D esai #Local SEO
#Online Reputation #Customer Engagement #Website Production #Brand Awareness
#Google Ads #FaceBook Ads #Get More Leads #Online Reputation
#Online Reputation #Customer Engagement #Website Production #Brand Awareness wsiworld.com/ bhavesh-desai (609) 286.7000 email@example.com #Customer Engagement #Website Production #Brand Awareness
(609) 286.7000 firstname.lastname@example.org
siworld.com/ bhavesh-desai (609) 286.7000 email@example.com
wsiworld.com/ bhavesh-desai (609) 286.7000 firstname.lastname@example.org
2 The Millstone Times
Grant vest Financial Group By Pam Teel
As financial professionals and fiduciaries, the Wealth Management Team at Grantvest Financial Group are committed to helping people create solutions in all aspects of their lives, from financial planning to investment management. Lo cated in Matawan, NJ, Grantvest Financial Group was founded by Anthony Caputo, a Millstone Township resident, and co-owner Gregory Guenther, of Wall, NJ. Through their professional knowledge, personal integrity, and personalized services, the goal of Anthony and his team is to become your most trusted advisory group; with services that include, retirement planning, insurance planning strategies, investment, college planning resources, Social Security analysis, pension calculations, budgeting, and cash flow strategies. Anthony was born and raised in Staten Island. Anthony lost his dad to cancer at just 48 years old. Anthony was nine teen and in college at the time. His dad was uninsured, leaving his mother with two sons and a mortgage to pay off, and no IRA / 401K / or retirement plan. His mother, who worked as a special education para at Anthony’s high school, could not fully support her family on her salary.
An thony Caputo, ChFEBC
Anthony’s life changed in the blink of an eye. His father’s dying wish was for him to finish college. In order for Anthony to stay in school, he had to find a part time job so he could help with college expenses. When his friends were out having fun, Anthony was busy working to help pay for his schooling or studying finance. What weighed on Anthony’s mind more than anything was how his mother would turn to him and ask him for financial guidance and advice. At nineteen, what did he know? He felt helpless. He learned the hard way what it means to not have a financial plan set in place. He set out with a goal of trying to learn and understand everything he could about finance, so he could be better prepared in the future when he had his own family. With a lot of hard work, Anthony graduated with a B.A. degree fromHofstra University. He had helped to fulfill his father’s last wishes, and he was ready to start his new career. Because of his past experience, the passion that he had to help others be prepared for life’s lessons always stayed with Anthony. But he had to put that thought on hold for a while. It was about the same time that 9/11 happened, and during that period, it was tough finding a job in finance. During his finance hiatus, Anthony worked on the television show The Bachelor, for season five. He was the associate producer on the New York based season featuring then Bachelor, Charlie O'Connell. Anthony got back into finance in 2005 and began his career in the financial services industry as a Wealth Advisor for the Premiere Banking and Invest ments division of Bank of America Investments/Merrill Lynch. In 2009, he and partner, Greg Guenther, started their own independent Planning Practice to better serve the needs of his clients. With six professional licenses/designations, Anthony is able to offer personalized investment strategies aimed at servicing, managing, and preserving the wealth of you and your family. Later on, because of Anthony’s business acumen, he was approached by two longtime friends about becoming a strategic partner in a manufacturing start-up. Anthony would help this company launch from prototype making in the garage, to the big stage of ABC’s hit show, Shark Tank, in less than 3 years. Anthony and then partners would be featured on Season 5 where they would strike a deal with their favorite Shark, Lori Greiner. their product, The Paint Brush Cover, can still be found in Home Depot’s Nationwide, amongst many other hardware stores throughout the U.S. They were a big success selling millions of Paint Brush Covers in just a few short years. In 2016, Anthony sold out of his part of the manufacturing business to continue building his Financial Planning practice. Anthony has always had a passion to help others and to be a mentor, both inside and outside of work. He and his wife Julia have been blessed with four children. Anthony is a man of values and tradition, and always makes time for his family. He is a coach for the Millstone Little League, co-head coach for the towns’ 10u tackle football team, along with his brother in law and fellow Millstoner, James Cortopassi. Anthony also sits on the Board of both leagues in town. Anthony was always involved in sports growing up, with his dad right by his side coaching him and teaching him not just how to play the sport, but how to be a team player. He also taught him how to work hard for what you want, and how to strive to be a leader. Looking back, Anthony realized that all the coaching from his dad was not just about how to play the game, but rather how to get by in life. Anthony’s goals, as coach of his children’s sports teams, is to instill in tomorrow’s leaders all the valuable lessons he carries with him today. By working closely with you, Anthony’s team, which consists of co-owner Gregory Guenther, Leo Wong, and Joseph Cammayo, get to know and under stand your wants and needs and help you identify the personal finance strategies that may improve your lifestyle, both present, and in the future. The team consists of four fiduciary Financial Planners/ in-house institutional bond traders/ 3 operations staff, and one in-house compliance officer-An thony’s younger brother, Michael. With trust and integrity, and decades of experience in the financial service industry, the team is there to help you to reach your goals. For more information go to: www. Grantvest.com Contact Toll-Free: (877) 651-8949 / Office: 732-970-6661| 106 Main Street, Suite D& E | Matawan, NJ 07747
www. TheMillstoneTimes.com 3
EAST COAST SALT
IN THIS ISSUE: Health and Wellness. ...................... 7 Pet Pages.......................................... 12 Family Matters......................... 14 Real Estate. ..................................... 20 As We Age.......................................... 25
FAX: 732.833.4162 • www.eastcoastsalt.com Toll Free: 1.888.273.1444 CALL TODAY FOR FREE DELIVERY 732.833.2973 621 Wright Debow Rd., Jackson NJ 08527 We Will Beat ANY Competitors Price! Let East Coast Salt do the heavy work, from our warehouse to your basement.
THE MILLSTONE TIMES Monmouth County’s ASK THE DOCTOR
Writers Pam Teel Lauren Kolacki
Art Director/ Graphic Designer Stephanie Frederick Intern Surabhi Ashok Bianca Battaglia Nazli Mohideen
Publisher Cami Gunther
Administrative Assistant Lauren Kolacki
Scan this QR Code with your smart phone to go directly to our website.
Download “Bar Code” app on your phone
PALLET PRICE ONLY
Like us on Facebook for promotions!
SPECIAL PRICING on products when they are picked up
©2015 by Gunther Publishing Ent. The content of GPE publications and its affiliates are copyrighted. GPE publications are published 12 times a year. Established 10/2008. Distribution and Post office 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 staff reserve the right to reject the advertisements for any reason. Credit for mistakes shall not exceed the costs of the ad in the month which the error occurred.
CAMI@GUNTHERPUBLICATIONS.COM • (732) 995-3456
(609) 443-5330 (609) 443-5331
Scan QR code Online order
659 Abbington Dr., #403 East Windsor, NJ 08520 (Twin Rivers Shopping Mall, Rt 33)
10% OFF Pick-up Only. Can not combine with any other offer. Expires 1/15/23 Coupon Needs To Be Present Any Purchase
HOURS: MONDAY - THURSDAY 11:00am-9:30pm FRIDAY-SATURDAY 11:00am-10pm SUNDAY 12pm-9:30pm
We accept Visa, Mastercard, & Discover
Holiday Recipe: Eggplant Meatballs
Ingredients • 2 tablespoons EVOO olive oil, divided • 1 cup eggplant, diced • ¼ cup yellow onion, diced • 1 teaspoon chopped garlic • 1 cup brown rice cereal Directions • Heat one tablespoon olive oil in a pan over medium heat. Sauté the eggplant, onion and garlic until eggplant is very soft (about 8 minutes). • Blend all the other ingredients together in a food processor until smooth. • Form mixture into one-ounce balls. Add remaining oil to the pan and sauté meat balls on all sides until brown. • Serve with your favorite sauce. Makes 8 meatballs. • 1/2 cup canned cannellini beans, rinsed and drained • 1 tablespoon chopped parsley • 1/2 teaspoon lemon zest • Salt & pepper to taste
4 The Millstone Times
Along with our other day habilitation programs, Millstone will continue to provide opportunities for our par ticipants to make choices, become more independent, and work on their own personal goals. “We want to offer pre-vocational training skills to all of those wanting to pursue employment in their communities. It is important to us to continue our work in providing Activities of Daily Living (ADL) skills in order to assist the individuals we serve in their personal successes,” Overfield continues. Friends of Cyrus II strives to integrate all the people they serve into their respected communities. The Millstone Day Program will be no different. Jennifer Overfield hopes to incorporate various community outings where the program participants can explore, engage, and learn about the surrounding areas. “Participating in our commu nity helps to develop better social skills and will strengthen our individuals’ ability to advocate for themselves. The program also hopes to feature different curriculum such as horticultural skills, physical fitness development, creative expression, and volunteer opportunities.” Jennifer Overfield, Director of Millstone Day Program. The participants who will be enrolled in the Millstone Day Program will include some of the residents already with Friends of Cyrus II but also many adults from the surrounding areas. “FOCII specializes in behavioral man agement and we have an extraordinary Clinical Team overseen by David Sullivan BCBA, Director of Clinical Services and Dr. Timothy Nipe, Chief Clinical Officer,” states Alixandra Van Sciver, FOCII’s Communication Relations Coordinator. Van Sciver states the clinical team works hard to develop individualized behavior plans for each person they serve if necessary for them. “The adults we serve vary in ranges of behavioral support needs. Our clinical team does a fabulous job in assessing each new admission properly to make sure we can serve them to the best of our abilities.” Within Friends of Cyrus II, the participants and residents are provided, not only with the proper care they need, but with the ability to make choices. FOCII aims to ‘foster independence’ and to be a ‘provider of choice.’ The Millstone Day Program will offer a plethora of choices for those who attend while continuing a daily routine and schedule. The program will involve activities structured around the Assessment of Functional Living Skills (AFLS) approach. AFLS is an evidence-based skills assessment tool and curriculum guide, designed to assist those with I/DD, learn and maintain crucial skills they need to achieve independence. A fundamental, but critical part of the program will be developing basic life skills. This can include, but is not limited to practicing personal hygiene, cooking, laundry, organizational skills, and social interaction. Some of the community-based activities that will be included in the program will consist of visiting local parks, malls, zoos, libraries, and museums. Through all these activities and skill development, the Millstone Day Program can assist its participants in their personal goals and successes. One point, the founder and CEO, Kamelia Kameli wanted to make clear was that at FOCII the staff are not qual ified to diagnose any medical or psychiatric illnesses or prescribe any sort of medications as they are not doctors or nurses on staff. “However, if the individuals are on medications that must be administered during services hours, we will be happy to do so. No one is going to be disqualified because they are on medication,” Kamelia emphasized. Friends of Cyrus II also provides transportation to and from home on a case-to-case basis. The Millstone Day Program will be seeking to follow suit with FOCII’s other programs in providing transpor tation. The catchment area is 10 miles, but of course can be discussed on an individualized basis depending on that person’s needs. FOCII also notes that all staff are either vaccinated against COVID-19 or tested each week to ensure the health and safety of everyone. All staff are also required to utilize face masks when interacting and engaging with the individuals we serve. Friends of Cyrus II seeks to provide broader access to disability support services for adults seeking Day Habil itation services and individuals aging out of their Special Education Programs. FOCII currently operates day programs in Medford and Tabernacle, NJ. In addition to day services, FOCII operates 24 community-based residences throughout Burlington, Camden, Middlesex, and Monmouth Counties. The agency also provides In Home Support services for adults throughout the state. “What makes our programs successful, is our well trained and dedicated team. Every resident and every partic ipant become a family member and a friend of Cyrus.” Kamelia Kameli, Founder & CEO. The new Millstone Adult Day Habilitation Program is located at 36 Trenton Lakewood Road in Millstone Town ship, NJ 08510. If you need support for an adult with disabilities who is approved for DDD Services, please reach out to the Friends of Cyrus II admissions team at email@example.com. For further assistance please reach out to firstname.lastname@example.org or email@example.com. Friends of Cyrus II is a Human Services Agency that provides community-based residential programs, in- home supports services, and day habilitation services to New Jersey’s intellectually and developmentally disabled adults. Since its incep tion, Friends of Cyrus II has operated with an unwavering mission in mind: to create a haven of lifetime support options for individuals with disabilities. Friends of Cyrus II currently supports over 120 adults throughout Burlington, Camden, Middlesex, and Monmouth Counties with a focus on fostering independence, dignity, privacy, choice, and individuality. Friends of Cyrus - Continued from cover .. .
www. TheMillstoneTimes.com 5
The Stamp Act Crisis of 1765 By, Surabhi Ashok
With midterm elections having just passed, we see how integral the voting processes in the United States are. Peo ple vote for representatives that align with the policies and ideologies they most want to see implemented and protect ed in the government. This desire for representation actu ally dates all the way back to colonial times, a time when many Americans wanted a say in administrative actions but didn’t receive it. During the late 1700s, the British monarchy ruled all 13 colonies in America under the Parliament. After the Seven Years’ War and the resulting financial crisis, the Empire’s governing body took on a more direct role in the colonists’ lives imposing loftier taxes and more restricting policies. One such tax was the Stamp Act of 1765. The Stamp Act of 1765 required colonists in America to only use the paper and printed materials like newspapers and documents provided by Great Britain. This of course made many colonists angry as they were being taxed “with out representation.” There was no one from America elect ed into Parliament, and therefore they had no voice in re gards to what was passed and what affected them. In response to the Stamp Act, a series of resolutions were adopted by the House of Burgesses that detailed that the American colonists were entitled to the same rights as Brit ish citizens. The passage also suggested that local govern ments of each state should be given the ability to make their own laws as it would ensure the prosperity of the colonies as well as Britain itself. While these resolutions were in no way severing ties with Britain, Parliament reacted poorly to them, essentially de claring that the American colonies were bound to the Brit ish Empire’s rule and could not question it regardless. This statement only brought the individual colonies closer to gether as frustrations against the monarchy grew. Eventual ly, these frustrations would boil over into an official declara tion of independence, paving the way for future revolution with the help of partnerships with countries like France. Source: https://studycorgi.com/the-stamp-act-resolutions and-the-declaratory-act/
An angry mob protest against the Stamp Act by carrying a banner reading 'The Folly of England, the Ruin of America' through the streets of New York.
6 The Millstone Times
IWC welcome flier_FEB_2022_Production.pdf 1 2/14/22 9:53 AM
♥ HEALTH & WELLNESS
At The Innovative Wellness Center we offer an effective unique approach to pain management and overall health focusing on the body as a whole and not individual segmented systems. By integrating multiple specialties we have been able to resolve pain and most importantly improve health and self-healing, naturally. We offer a 7 pillar approach focusing on all aspects of health to maximize healing in a shorter timeframe. We encourage you to take advantage of all that we offer to reach your true potential.
SCAN THE QR CODE TO ACCESS OUR FITNESS & YOGA CLASS SCHEDULE!
Our NEW Lower Level is NOW OPEN! Now offering an array of Yoga classes, total body fitness classes, core strengthening and stretching classes, personal training & MORE!
- Group Nutrition Classes - Meditation Classes - Reiki & Sound Healing Classes COMING IN JANUARY!
GIVE THE GIFT OF WELLNESS! GIFT CERTIFICATES AVAILABLE
Chiropractic is so much more! By
Fitness Programs include: Yoga, Meditation, Total Body, Stretching Classes, Core Strengthening, Personal Training, and MORE! Check out our instructors on our website!
opening of your chakra’s today!
$20 OFF Reiki & Sound Healing Session *Expires 1/30/23. Cannot Be Combined With Other Specials, Packages Or Insurance Visits. One Time Use Per Person Per Service.
$10 OFF Any Single 60 OR 90 Min Medical Massage *Expires 1/30/23. Cannot Be Combined With Other Specials, Packages Or Insurance Visits. One Time Use Per Person Per Service.
$15 OFF 60 Min. Personal Training Session *Expires 1/30/23. Cannot Be Combined With Other Specials, Packages Or Insurance Visits. One Time Use Per Person Per Service.
$8 OFF Any Yoga or Fitness Class *Expires 1/30/23. Cannot Be Combined With Other Specials, Packages Or Insurance Visits. One Time Use Per Person Per Service.
GOD BLESS AMERICA
www. TheMillstoneTimes.com 7
♥ HEALTH & WELLNESS
FASTER RECOVERY & QUICKER RETURN TO NORMAL ACTIVITIES
THE NEW FACE OF MINIMALLY INVASIVE ROBOTIC SURGERY
, MD, FACOG, NCMP D, FACOG ACOG, MIGS specialist
TREATING PELVIC PAIN, ENDOMETRIOSIS & FIBROIDS
Dr. Helen Simigiannis, MD, FACOG, NCMP
609.448.7800 | 375 US-130 Suite 103, East Windsor, NJ 08520 MOST MAJOR INSURANCES ACCEPTED | www.antheiagyn.com Now Accepting Patients at Our Freehold Location
Minimally Invasive GYN Surgery Adolescent, Adult & Menopausal Gynecology
8 The Millstone Times
♥ HEALTH & WELLNESS Ingredients in Shampoos and Conditioners You Should Avoid Reading the labels might just save your life one day! By Pam Teel
Does a brand's ad help you make the decision as to what shampoo you pull off the shelf? It’s time to see beyond the ad. It’s a great idea to actually start reading the ingredients on the back of the bottle that you will be putting on your hair. Most commercial shampoos and conditioners are made with a large portion of harmful chemicals, and their levels of toxicity are not just limited to hair health. This article includes expert evidence from haircare experts at SkinKraft, based on a review by Dr. Kaustav Guha, that identifies harmful ingredients in sham poos and conditioners. Now you know that most hair products are loaded with toxic chemicals. They help give you clean, shiny, bouncy hair, but these short-term benefits can cause long-term ill effects ranging from cancer to hormone imbalance. Here is a list of ingredients in your shampoos and conditions that can turn out to be harmful in the long run: Sulfates are surfactants (surface acting agents) that are used to clean the dirt and excess sebum on the scalp. They are used for lathering purposes in your shampoos. These surfactants like SLS (sodium lauryl sulfate), SLES (sodium laureth sulfate) and ammonium lauryl sulfate are all damaging. They can cause an allergic reaction on your scalp and may even cause frizzy hair. They also can be hormone disruptors when used for prolonged periods. Sulfates are also harmful for the environment and aquatic species. Parabens-To increase the shelf life of hair care products, manufacturers add preservatives called parabens. They prevent bacteria from growing in your shampoos. Parabens (Butyl, propyl and ethyl parabens) are known to mimic the function of hormone estrogen (female hormone responsible for reproduc tive functions) and can increase the risk of breast cancer. Polyethylene glycol is a derivative of petroleum that is used in hair care prod ucts as a thickening agent. There is not enough research available to claim the toxicity of PEG, but hair care experts believe that PEG can have a damaging effect on your scalp. PEGs can be identified as numbers like 100, 120, 14M, 30, 32, 40, 75 and so on. Phthalates are used in hair care products to increase the spread ability of a product. They are used to make the perfume stick to your scalp and hair. They are endocrine disruptors meaning they can cause early puberty in girls and re duce sperm count in men. They are also highly dangerous for the environment. Formaldehyde- Considering a fancy Brazilian blowout or a treatment? These treatments may contain an ingredient called formaldehyde. Bronopol, imidaz olidinyl urea, DMDM hydantoin, quaternium-15 and diazolidinyl, urea are all formaldehyde releasers. Formaldehyde releasers are carcinogenic These ingre dients are known to be absorbed by your skin. Companies add formaldehyde as a preservative in these treatments. Triclosan was an important antibacterial agent in soap bars until recently. But it is still being used in shampoos, toothpastes and deodorants. It is a known hormone disruptor. Triclosan is believed to get accumulated in your fat cells and keep the body in a state of toxicity. Dimethicone is a type of silicone added in hair care products. It acts like a pro tective layer to your hair shaft but over time, builds up residue on your scalp. It prevents moisture from entering the hair and can cause scalp irritation by clogging the pores. Retinyl palmitate is the ester of retinol and palmitic acid. This ingredient can cause skin itching, redness, scaling and peeling. It may also cause cancer, repro ductive problems and toxicity to organs.
Alcohol used in hair care can make your hair extremely dry. Steer clear of alcohols like propanol and isopropyl alcohol. Alcohols are used as thickening agents in shampoos. Sometimes, they are used as emollients when derived from palm oil or coconut oil. Alcohols can cause brittleness of hair. Fragrances-Hair care brands are smart enough to not reveal the exact ingredi ents and put them all in one category - fragrances or parfum. These fragrances are made synthetically with a blend of a variety of toxic chemicals. How else can you make rose, lavender, etc., smelling shampoos in the lab? They obviously don't add natural flowers and fruits in your shampoos and conditioners. Synthetic fragrances may cause cancers, reproductive issues or asthma attacks. Some fragrances can affect the scalp and lead to hair loss. Colors-We love to see pretty-looking colors in our shampoo and conditioner bottles. The kind of ingredients that go into making synthetic colors of hair care products will leave you shocked! These colors are derived from coal tar or petroleum. You can identify synthetic colors on the labels by the terms 'FD&C' or D&C'. Toluene is a petrochemical solvent used in most hair dyes. They can hamper your immune system and may even cause birth defects. Toluene can have a detrimental effect on your central nervous system. Toluene is often labelled as benzene, phenylmethane, toluol and methylbenzene. Resorcinol, a common ingredient in hair dyes and bleaching agents, is linked to skin irritation. It can also cause functional disabilities of the immune system. In animals, it causes thyroid function disruption. Selenium sulfide is a proven carcinogen (cancer causing compound). Lab tests on mice showed the development of tumors due to selenium sulfide. Read the ingredients of your anti-dandruff shampoos to stay away from selenium sul fide. Quaternium-15 is a surfactant and preservative in hair care products like shampoos and conditioners. It is an ammonium salt that is carcinogenic. It is also a formaldehyde releaser. Quaternium-15 is also a possible eye irritant. What Ingredients Should Your Shampoo&Conditioner Contain? Choose a sulphate free formula with mild surfactants. You could look for hu mectants like coconut oil to counter any roughness, quaternium salts to condi tion hair and silicon oils for shine and luster. Look for oils like coconut oil, olive oil, jojoba oil and palm oil in your con ditioners that help nourish your hair. Hydrolyzed keratin is an ingredient that you can opt for in your conditioner that repairs damaged hair. Butters like mango butter and shea butter form a protective layer around the cuticle of your hair. Vitamin E, argan oil and vitamin B5 are also great condi tioning ingredients that not only nourish your hair, but make the hair fall flat. Make sure you buy from brands that disclose their full list of ingredients on the labels or website. Sometimes, even plant derived ingredients may cause al lergies in some people. Watch out for potential irritants whenever you are buy ing shampoos and conditioners. Also, be careful of shampoo’s that say organic on them. They can still be loaded with many of these chemicals. Some may leave out one or two chemicals, such as fragrance free, or paraben free, but still contain the other harmful chemicals. Want to switch to a healthier shampoo for your mind and body, start here: re search Eco friendly shampoos, plant-based shampoo bars, shampoos without chemicals!!!! Don't forget to read the labels on your shampoo and conditioner bottles before you make a purchase.
www. TheMillstoneTimes.com 9
♥ HEALTH & WELLNESS
As a lifelong weightlifter, Michael has always made his health a priority. As Michael aged, that included getting his annual PSA screening for prostate cancer. When Michael was diagnosed for early-stage prostate cancer in 2021, he became eligible for a highly e ective, non-invasive treatment called proton therapy at ProCure. • Located in Somerset, NJ, ProCure sets the standard for exceptional cancer care as one of the first freestanding proton therapy Centers in the U.S. • ProCure has treated 6,000+ patients over its first 10 years ProCure enabled Michael to crush cancer without missing a workout.
Why There’s STRENGTH in Cancer Screenings.
TO LEARN MORE, SCAN THE QR CODE OR VISIT PROCURE.COM.
103 Cedar Grove Lane | Somerset, NJ 08873 732-357-2600 | ProCure.com
A Smile Lasts Forever... Jerry N. Falk, DMD • Allyson K. Falk, DDS Family, Cosmetic & Implant Dentistry
• Comprehensive & Minor Treatments • Sleep Apnea Testing & Treatment • Invisalign Certified
• Major Insurances Accepted • Interest Free Payment Plans
Please call for a free, no-pressure consultation. 609-259-3250 15 Carrs Tavern Road • Clarksburg-Millstone Township
10 The Millstone Times
You have always been there for your mom, and now GoldenYears Care is here for you Senior Spotlight: Kaitlynn Russell By, Nazali Mohideen
We provide Adult Day Services For Special Needs Adults (21 years old +)
Even with the world in a health crisis, Kaitlynn Russell is still finding some thing to sing about! Coming from a musi cal family, Russell has always been interest ed in the arts and al though she played the flute for a short while, singing was where she ultimately found her passion.
Medicaid/J.A.C.C. Covered Service She’s been involved in the music programs provided by the school since elementary school and by the time she had hit her senior year, she had been a member of the freshman and treble chorus groups as well as concert choir this year. Outside of school, Russell has sung with multiple national and regional choirs, sharing that one of her major accomplishments was when she was accepted into the All State national competition last year where she later had the opportunity to perform at NJPAC and Atlantic City. Throughout high school, she has also been a part of the Central Jersey Music Educators Associations, otherwise known as CJMEA. Russell has performed in the school’s winter and spring seasonal concerts in addition to the coffeehouse events normally held in the Commons. In the most recent virtual editions f the coff ehouse, she sang Chloe Mori ondo’s “Silly Girl” and Kacey Musgraves’ “Rainbow” accompanied by her friend, Allyson Fu, on the piano. Russell also had a solo during this year’s winter concert at the beginning of the choir's rendition of Andrea Ramsey’s “There has to be a Song.” To Russell, chorus has been a “form of stress relief ” and “way of expres sion.” She reflected on her time at Monroe, writing in part, “I think the part that I [will] miss most from performing alongside my classmates would be the connections that we make with each other and the audience...seeing our hard work pay off by making an impact on members within the audience is also something that I [will] truly miss.” While Russell spent plenty of her time dedicated to the arts, she has also made an impact in other parts of the school and the community at large. She has served as the school’s volleyball manager, a tutor, and Girl Scout along with giving her time to local food banks and the Knights of Colum bus organization in Jamesburg. Through this experience, Russell has been able to combine pass ons of hers from school and serve a greater purpose elsewhere, like hosting volleyball tournaments to raise awareness about DMD, a genetic disorder that usually affects boys and their muscles. Following graduation in June, Russell is set on attending Seton Hall Uni versity in South Orange to study psychology and become a psychologist one day. With plenty of high and low not s from her high school career, Russell, like many other seniors, has surely learned that the show must go on! Call UsToday For ATour or Info! (732) 851-6640 www.GoldenYearsCareNJ.com • Medical AppointmentTransportation • Around-the-clock attention • Physical & OccupationalTherapy In House • Free Door-to-DoorTransportation • Delicious Food Options (Spanish, Russian, Italian & more) • Onsite & Offsite Activities: (Ping Pong, Zumba, Shopping Excursions, Museums, Crafts,Trips to the Shore and much more) • Onsite Hairdresser Serving Monmouth, Middlesex & Ocean Residents Conveniently off Rt 33 and NJTurnpike Exit 8 108Woodward Rd. Manalapan, New Jersey If your loved one needs care during the day, trust GoldenYears Care to put them in good hands!
Call UsToday For ATour or Info! (732) 845-3332 • Free Door-to-DoorTransportation • Health Evaluations • Bi-Lingual staff • Music & PetTherapy
• Educational Programs to assist & encourage independance with activities of daily living • Social Activities • Fabulous food and menu options • Recreation, Exercise,Trips to Museums, Stores, Crafts and more... Serving Monmouth, Middlesex & Ocean Residents
20 1-A Jackson Street Freehold, New Jersey
We Offer Something Special Nowhere Else Found In CNJ ForYour Loved One! Active Day Adult Services
www. TheMillstoneTimes.com 11
Cats at Home:
BEST PET photo contest
Home Veterinary Visits
DO YOU THINK YOU HAVE THE MOST ADORABLE PET?
26 YEARS ALL-FELINE EXPERIENCE
1. Send in your photo to:
WIN A $25 GIFT CARD!
firstname.lastname@example.org 2. In the email subject line write: PET CONTEST 3. Include a high resolution photo, your pet’s name and town.
$10 OFF first house-call fee when you mention this ad
Publishing Enterprises, Inc. GUNTHER
P E T D I S A S T E R CH EC K L I ST
12 The Millstone Times
PET PAGES Best Pet Photo Contest
CAPONE & CONGRATS!
Jack, Luna and Grogu
mia & max
miss juliet & london
www. TheMillstoneTimes.com 13
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 did not 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.
Large Firm Representation With Personal Attention
AREAS OF PRACTICE: • Municipal Court Practice, Including Defense of DWI, Traffic Tickets and Non-Indictable Offenses • Workers Compensation
• Personal Injury • Motor Vehicle Accidents • Nursing Home Neglect • Wills
• General Civil Litigation • Employment Law • Residential and Commercial Real Estate Transactions
Certified by the Supreme Court of New Jersey as a Civil Trial Attorney Member of New Jersey and New York Bars Jared Sparnroft, Esq. 200 Meco Drive, Millstone Twp., NJ Email: email@example.com 732-410-5350 • www.bazzurrolaw.com
JOHN T. BAZZURRO, Esq. JARED SPARNROFT, Esq. 200 Meco Drive, Millstone Twp., NJ firstname.lastname@example.org • BAZZURROLAW.COM
Certified by the Supreme Court of New Jersey as a Civil Trial Attorney Member of New Jersey and New York Bars
14 The Millstone Times
FAMILY MATTERS An Overview of the IRS’s 2022 Dirty Dozen Tax Scams
Compiled annually, the Dirty Dozen lists a variety of common scams that taxpayers can encounter anytime. The IRS warns taxpayers, tax professionals and financial institutions to beware of these scams. This year’s list is divided into five groups. Here’s an overview of the top twelve tax scams of 2022. Potentially abusive arrangements The2022DirtyDozenbeginswith four transactions that arewrongfully promoted and will likely attract additional agency compliance efforts in the future. Those four abusive transactions involve charitable remainder annuity trusts, Maltese individual retirement arrangements, foreign captive insurance, and monetized installment sales. Pandemic-related scams This IRS reminds taxpayers that criminals still use the COVID-19 pandemic to steal people's money and identity with phishing emails, social media posts, phone calls, and text messages. All these efforts can lead to sensitive personal information being stolen, and scammers using this to try filing a fraudulent tax return as well as harming victims in other ways. Some of the scams people should continue to be on the lookout for include Economic Impact Payment and tax refund scams, unemployment fraud leading to inaccurate taxpayer 1099-Gs, fake employment offers on social media, and fake charities that steal taxpayers’ money. Offer in Compromise "mills"
Offer in Compromise or OIC "mills," make outlandish claims, usually in local advertising, about how they can settle a person's tax debt for pennies on the dollar. Often, the reality is that taxpayers pay the OIC mill a fee to get the same deal they could have gotten on their own by working directly with the IRS. These “mills” are a problem all year long, but they tend to be more visible right after the filing season ends and taxpayers are trying to resolve their tax issues perhaps after receiving a balance due notice in the mail. Suspicious communications Every form of suspicious communication is designed to trick, surprise, or scare someone into responding before thinking. Criminals use a variety of communications to lure potential victims. The IRS warns taxpayers to be on the lookout for suspicious activity across four common forms of communication: email, social media, telephone, and text messages. Victims are tricked into providing sensitive personal financial information, money, or other information. This information can be used to file false tax returns and tap into financial accounts, among other schemes. Spear phishing attacks Spear phishing scams target individuals or groups. Criminals try to steal client data and tax preparers' identities to file fraudulent tax returns for refunds. Spear phishing can be tailored to attack any type of business or organization, so everyone needs to be skeptical of emails requesting financial or personal information. A recent spear phishing email used the IRS logo and a variety of subject lines such as "Action Required: Your account has now been put on hold” to steal tax professionals’ software preparation credentials. The scam email contains a link that if clicked will send users to a website that shows the logos of several popular tax software preparation providers. Clicking on one of these logos will prompt a request for tax preparer account credentials. The IRS warns tax pros not to respond or take any of the steps outlined in the email. The IRS has observed similar spear phishing emails claiming to be from "tax preparation application providers." The list is not a legal document or a literal listing of agency enforcement priorities. It is designed to raise awareness among a variety of audiences that may not always be aware of developments involving tax administration.
www. TheMillstoneTimes.com 15
CHILD, ADOLESCENT & ADULT PSYCHIATRIST
All services provided 100% via telehealth during COVID-19 pandemic
All services provided 100% via telehealth during COVID-19 pandemic
SERVICES FOR ADULTS & TEENS MENTAL HEALTH PARTIAL CARE & INTENSIVE OUTPATIENT PROGRAMS 732.655.4CFW(4239) CENTER FOR WELLNESS PROGRAMS INCLUDE GROUP THERAPY, INDIVIDUAL THERAPY, PSYCHIATRIC ASSESSMENT AND FOLLOW UP COMMERCIAL INSURANCE ACCEPTED
INDIVIDUALIZED CARE EXTENDED SESSIONS DOUBLE BOARD CERTIFIED
FOUNDED BY A DOUBLE BOARD CERTIFIED CHILD/ ADOLESCENT & ADULT PSYCHIATRIST
Appointments in Freehold & Monroe Twp.
CENTERFORWELLNESSNJ.COM 312APPLEGARTHRD • SUITE 200 •MONROETWP 08831 Accessible within 5 minutes of the NJ Turnpike, Rt 33 & Rt 130
16 The Millstone Times
JEWELRY EXCHANGE We Buy…Gold, Silver, Diamonds, Estate Jewlery, Coins, And Watches
Tips for taxpayers who make money from a hobby Many people enjoy hobbies that are also a source of income. From paint ing and pottery to scrapbooking and soap making, these activities can be sources of both fun and finances. Taxpayers who make money from a hobby must report that income on their tax return. However, the rules for how to report the income and expenses depend on whether the activity is a hobby or a business. There are special rules and limits for deductions taxpayers can claim for hobbies. 2. If someone has a business, they operate the business to make a profit. 3. In contrast, people engage in a hobby for sport or recreation, not to make a profit. 4. Taxpayers should consider 9 factors when determining whether their activity is a business or a hobby. They should base their determina tion on all the facts and circumstances of their activity. 5. Allowable hobby deductions. Taxpayers can only deduct ordinary and necessary hobby expenses: • Ordinary expense is common and accepted for the activity. • Necessary expense is appropriate for the activity. • Limits on hobby expenses. • Taxpayers can generally only deduct hobby expenses up to the amount of hobby income. If hobby expenses are more than its in come, taxpayers have a loss from the activity. However, a hobby loss can’t be deducted from other income. How to deduct hobby expenses. Taxpayers must itemize deductions on their tax return to deduct hob by expenses. Taxpayers can look into this now to determine if they will itemize their deductions when they file their 2019 tax return next year. Expenses may fall into three types of deductions, and special rules apply to each type. Use IRS Free File. Hobby rules can be complex. Go to www.go.usa.gov for more details. Here are five things to consider: 1. If the activity is a business or a hobby.
•LICENSED AND BONDED APPRAISERS • TOP CASH PAID For Estate Jewelry & Watches and Coins • FREE Evaluation! Entire Estates - We Make House Calls! 609-409-3600 1600 Perrineville Rd, Monroe Twp, NJ JEWELERS FAMILY JEWELER SINCE 1974 WINTER SALE ALL 14K, 18K & DIAMOND JEWLERY NEW STYLES UP TO 50% OFF WE BUY GOLD Monroe Jewelers. With coupon only. WATCH BATTERIES $ 4 . 99 ANY JEWELRY OR WATCH REPAIR $ 5 OFF MT MT WWW.7NJGOLD.COM Most Watches. Monroe Jewelers. With coupon only. MONROE
CONCORDIA SHOPPING CENTER MONROE
www. TheMillstoneTimes.com 17
Made with FlippingBook Learn more on our blog