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March 2011 Community MessengerCommunity Messenger March 20112

March 2011 Community Messenger 3

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4 Community Messenger March 2011

Hibernation is over, it’s time for a day of playBy SHIRLEY STCLAIRCorrespondent

HIGHLANDS BOROUGH – Spring is inthe air, hibernation is over. It’s time to cele-brate and rejoice the coming season. What awonderful way to kick up our heels by hav-ing a parade.

On March 19, the 9th Annual St. Patrick’sParade in Highlands will transform a quaintfishing village to a place that is becomingwell-known for its beautiful floats, warm andwelcoming people, excellent food and grandIrish music. Over 15,000 townspeople andvisitors come and line Highlands’ one-milestretch of Bay Avenue business district towatch and cheer the pageantry.

This year’s grand marshal, Doug Douty,owner of the Lusty Lobster, a seafood com-pany, and a loyal Highlands business ownerfor over 30 years, will lead the over 100marching units, including bagpipers, march-ing bands and floats that will line up in at-tendance. The emcee of the festivities, Pastor

Marty McGrail of the New Life ChristianChurch, will have the honor of introducingthe bands and performers.

Highlands’ business owners join the funby creating floats to compete for one of thetrophies awarded: the Highlands BusinessPartnership Will Award, “Best of Show,”“Prettiest” and “Most Original,” as well asthe bragging rights for the year. “Be on thelookout, all the festive floats will be throwingmany goodies to the crowd,“ Carla Cefalo-Braswell, president of the Highlands Busi-ness Partnership, said.

After the parade, it has become a traditionfor the Irish bands from the parade to go tothe 20 delightful restaurants in Highlandsand share their Irish music with the patrons.Irish music will be heard up and down theHighlands and the musicians have beenknown to roam the streets playing theirmusic and serenading the public with Irishballads while visiting each establishment toshare an Irish cheer throughout the day andnight.

“We love the parade; it draws about every-one in the town and has brought visitors fromas far as New York and other states,“ High-lands Mayor Frank Nolan said.

Jay Cosgrove, owner of Bahr’s Landingand host for the 2011 St. Patrick’s ParadeFundraiser agreed. “It’s a day to smile be-cause winter is over and it’s time to come outto have a good time and see friends,” he said.

However, all agree that the parade wouldnot have come together without the vision ofCarla Cefalo-Braswell, president of theHighlands Business Partnership, the hardwork of the business owners of Highlandsand the generous sponsorship of Comcast,WRAT Radio, Shore Point Distributors,T&M Associates, Frank Rahm Landscapingand Hufnagel Tree Experts.

Come get ready to enjoy a day filled withmusic and fun on March 19, at 2 p.m. for the9th Annual St. Patrick’s Parade. For more in-formation, call 732-291-4713 or go towww.highlandsnj.com.

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EATONTOWN TOWNSHIP – Jared Gur-czeski, a senior at Raritan High School, hasbeen named this year’s recipient of the JohnTuggle Award. Gurczeski will receive hisaward at the 39th Annual Vince LombardiAwards dinner on Thursday, March 3, at theSheraton, Eatontown.

The Rotary Clubs of Monmouth Countyhave held this event annually to recognizeoutstanding high school football linemanfrom Monmouth County. The recipientshave been selected by their coaches, becausethey represent the tradition, beliefs and idealsof Vince Lombardi, the legendary coach ofthe Green Bay Packers.

Each year, one special young man is se-lected to receive the John Tuggle Award,which is given to an athlete who has over-come adversity, met overwhelming chal-lenges and succeeded. Gurczeski has showngreat perseverance in overcoming many ob-stacles in his young life, obstacles that arenot common to many teenagers.

Gurczeski was diagnosed with a form ofcerebral palsy while in elementary school.His condition would bring on an intensecramping of the calf and shin muscles whichcould be most closely described as severeshin splints. This did not stop Gurczeskifrom playing competitive organized sports.It was common after a game to see Gurczeskion crutches on the weekend, sometimes untilMonday in school.

Cerebral palsy was only half the issue forGurczeski. As a junior, Gurczeski was com-peting against a senior quarterback for play-ing time. Both issues did not stop Jared fromimpressing the coaching staff and earning therespect of his teammates through his hardwork and dedication. Gurczeski would even-tually earn starting time as the varsity QB

and lead his team to victory against PointBoro.

This would be short lived, as the nextweek he discovered a pilonidal cyst on thebase of his tailbone that would require im-mediate removal via surgery. Gurczeskinever felt sorry for himself, he took every-thing in stride and kept his mind strong hop-ing he would get a second chance on theseason. The team was lucky enough to ex-tend their season and Gurczeski worked hisway back to varsity playing time.

Everyone believed that Gurczeski’s strifewas behind him but that would not be thecase when Gurczeski discovered a rash thatwas thought to be athlete’s foot. In unbear-able pain, he left school to see the doctor andfrom there was rushed to the hospital fortreatment of cellulitis. The infection wascaught early, but Gurczeski was under 48-hour surveillance for the treatment of celluli-tis with IV antibiotics.

After Gurczeski’s release from the hospi-

tal he came back to practice with the samevigor, with the same passion, excited to gethis team back on track. At the next game,Gurczeski, on a late hit out of bounds,sprained his MCL. He was able to comeback in the last minutes of the fourth quarterand lead his team to victory.

Everyone faces adversity at some point intheir life, but it is the special people like JohnTuggle and Jared Gurczeski who show thefight of the human spirit and the strength ofthe human body and the courage of the mind,that gives us all a blueprint on how we faceour problems in our life.

Proceeds from the event will benefit char-ities of the Monmouth County Rotary Clubs,Center for Vocational Rehabilitation and theMonmouth County chapter of the AmericanCancer Society.

For more information or for tickets to theevent, call Diane Rotondelli at the Center forVocational Rehabilitation offices at 732-544-1800 ext. 231.

Raritan’s Gurczeski to receive Tuggle Award

mailto:[email protected]

5March 2011 Community Messenger

Lombardi’s is a one-stopshop for all things Italian

By MATTHEW R. LINDEROTHCorrespondent

MATAWAN BOROUGH – Since June2004, Lombardi’s of Matawan on Route 34next to McDonald’s has been serving thecommunity delicious pizza and Italianfoods.

Part Italian deli, part pizzeria and partcatering service, Lombardi’s is like no otherplace around. Most of their food is made inhouse, including their mozzarella cheeseand is all natural. Along with pizza, theycarry a wide assortment of pre-made foods,desserts and seasonally inspired foods.

Matt and Chris Lombardi are the owners,but credit the success of their business tothe excellent staff. “None of it can be donewithout them,” Matt said.

In fact, in many ways their signatureproduct, their homemade mozzarella, couldnot be made without Nora. Each morning,she begins her day making the pounds ofmozzarella Lombardi’s will go through injust one day. Mozzarella is a staple in most

Italian dishes and after two hours, Noramakes some of the best mozzarella one canfind.

“These hands are insured for a milliondollars,” she joked when I asked how theymade the mozzarella, but she is not too faroff. Without knowing about Lombardi’smouthwatering mozzarella, just walking in-side and smelling the aroma of fresh-bakedpizza mixed with the sight of display caseafter display case filled with food will makeyou want to taste one of everything.

Lombardi’s does both dine-in and deliv-ery. And if you order your take out onlineat www.Lombardifoods.com, they will take15 percent off your order.

They cater as well and, along with Italiandishes, they have a seasonally inspiredcatering menu. This summer they are offer-ing a BBQ package that comes with severalBBQ dishes, a chef, bartender, server,decor, and a DJ.

Lombardi’s is open seven days a weekfrom 9 a.m. to 8 p.m. Saturday to Thursdayand from 9 a.m. to 9 p.m. on Fridays.

Lombardi’s eggplant parmigiana .–Photo courtesy Lombardi’s

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By MICHELLE TUCHOLCorrespondent

MIDDLETOWN TOWNSHIP – In Room 152, you will find a woman who knows what it’s like to live. Emily Cook, a well-known resident of Regal Pointe independent living community, turned 101 years of age on Feb-ruary 16. She treated her birthday like just another day, even though plans for the cel-ebration had been brewing the entire month.

“I don’t feel like it,” Cook exclaimed about her age. The charismatic attitude of age being just a number still resonates in her life.

The world has changed for Cook since 1910. Life was very difficult for her and her family growing up. However, it never stopped Cook from embracing every day with a smile, a hearty laugh about the past and an appreciation for having her health and quick wits.

Cook was the middle child of eight. At a young age, however, her two younger sib-lings passed away. After her father died at 53, Cook made the decision to discontinue her education. She was 13 years old. The obstacles that followed would determine the family’s future.

“We needed money,” Cook explained. Her brothers and sisters also sacrificed their schooling to support the family. “Nobody went to high school in my family,” she said.

Cook recalled waiting in bread lines and only being able to get gas for her car on cer-tain days.

“Can you imagine having a ticket for gas? You could only go that one day,” she exclaimed.

Despite the hardship of having to work at a young age, Cook admitted that she enjoyed working. Before retiring at 62, Cook worked for Westinghouse, Western Electric and RCA, all of which pioneered modern living. Her journey through the work world allowed her to build lasting relationships and, with vacation time permitted, to travel.

Since then, Cook is the only surviving member of her family. It’s difficult to have outlived all of her relatives, including her husband, who passed away due to cancer. But Cook is able to keep good spirits and even jokes about it, simply believing it’s not

her time to go. There is no secret to longevity for Cook,

but by the looks of this incredible woman, it seems time has passed over her. Cook does say that it’s all about how you think and how well you treat yourself.

“Some people sit in their rooms and twiddle their thumbs,” Cook said, regarding other residents at Regal Pointe. “That’s how you get old.”

Cook likes to keep busy. She enjoys short trips to the store to buy her own food and likes when her niece Elaine comes to take her shopping.

One of her most engaging hobbies is knit-ting; her room holds a large chest that is filled with handcrafted garments from over the years. Other activities that the living community provide also keep Cook and oth-er residents occupied throughout the week. Soon, a new van for the establishment will have residents out and about in Middletown.

“I live day to day,” Cook said with a smile. She reflected on her life, although scattered with adversity, as being the most wonderful experience. Times may not have always been prosperous, but Cook seemed to always find a way to make the best of a situation. The negatives were notions that she would grow because of it.

She looks straight ahead as if watching a movie about her life play out in front of her.

“I’ve had a good life.”And it’s still not over.


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HAZLET TOWNSHIP – Deanna Bravo, manager of Dante Tuxedos, knows all about sizing up her customers. For seven years, Bravo has been with the company and knows what it’s like to take measure-ments, appease customers and handle the stress of prom and wedding season.

Now it’s time for someone equally knowledgeable with the company to learn the customer service side of management: Bravo’s mother, Candy Galvez.

Galvez has actually been with the com-pany for over 10 years, but her expertise was originally with Dante’s corporate of-fice.

When Nick Pietroniro, a longtime business partner and partial owner of the family-based company, came to Galvez with the proposition of owning a store, she saw an opportunity.

Running an individual store is a far cry from the oftentimes-mundane tasks of run-ning someone else’s business, Galvez said.

“Working with numbers is a lot easier,” she added. “Numbers don’t talk back to you.”

Galvez is still in charge of payroll for the company. But all numbers aside, she’s ready to take steps in a new direction that will hopefully be more rewarding.

On January 3, Dante Tuxedos of Hazlet opened its doors on Route 35 under Galvez and Bravo’s management.

Since then, the women have been hard at work getting ready for spring, the busi-est season for tuxedo rentals. Since Bravo already knows what to expect, she must continue to teach her mother what it takes to make clients happy.

The relationship between mother and daughter appears to be strong. Bravo un-derstands that there are some aspects of customer service that her mom would like to improve upon.

“I freak out when I have to measure someone,” Galvez said. “I think that I’m

going to ruin their wedding if I don’t get it right.”

Bravo laughed at the comment and said it’s just something they’ll work on.

Weddings are not the only time when tuxedos are apropos. At the end of Feb-ruary, catalogues are sent to the store featuring different types of tuxedos that manufacturers will be selling for prom.

Bold and bright colors are usually the norm when spring rolls in, and the prints in which the colors are offered contain a wide variety of styles.

Bravo and Galvez both agree that they can match just about any color, style or print of a tux or tuxedo accessory to an ac-companied outfit.

“We can buy and sell what we want,” Galvez said. She and Bravo appreciate the freedom of owning an individual store.

Bravo does note that until business picks up, she and her mother will have to grin and bear the added responsibility and long hours in the store that have them in a bit of a cabin fever mentality.

“We get along,” Bravo said. “But we also keep our distance.”

Since prom and wedding season is right around the corner, it won’t be long before Bravo and Galvez will be able to take a much needed vacation. Whether they go together or separately is still to be deter-mined.

For now, clients are warming up to the idea of a mother/daughter-owned store. In an environment where sophistication is key, the relaxed demeanor of both Bravo and Galvez puts customers at ease. Both women are very accommodating, which isn’t always an easy task.

Bravo does get enjoyment from giv-ing her mom chores that, in essence, will give her a better understanding of running Dante. She hands her mother a hanger and tells her to assemble the tux of a client who had just finished a fitting.

“She won’t be doing that that too much longer,” Galvez said with a laugh.

Dynamic duo opens shop on their terms

Deanna Bravo (left) and Candy Galvez.–Michelle Tuchol

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RED BANK BOROUGH – The newly-opened Sugarush, at 37 East Front Street in Red Bank, just steps from Riverview Medical Center, will dazzle you with their confectionary delights.

In fact, Jesse Bello-Paseka, a Middle-town native and part owner of Sugarush, has been featured on the Food Network’s “Hometown Challenge.” Along with Chris Paseka, who has worked for the past 11 years at Disney Motion Pictures, the duo turn out all types of baked goods, from the whimsically designed to classic treats that are sure to please.

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HAZLET TOWNSHIP – An education is nothing to scoff at—even for a four year old. At The Goddard School where Bobbie Kleban teaches Pre-K, every day is a new and exciting experience.

“Ms. Bobbie” Kleban explained that even though routine is a part of the stu-dents’ curriculum, there’s always wiggle room for a different activity.

With 25 years of experience in the field of education, Kleban knows what it takes to make children happy. Her background in sociology also helps her communicate with the students and their parents, who are eager to know about their children’s progress.

“It took about 15 minutes for her to get situated,” Pat Hough, owner and kin-dergarten administrator at The Goddard School, joked.

Kleban became a part of the school’s family in December of 2010.

At The Goddard School, students play through work. They are the most impor-tant part in the learning process.

Attention to detail is never lost throughout Kleban’s day. Her students arrive at 7 a.m. and the day continues with various activities, such as lessons in math and science, language literacy and applied technology with such devices as an interactive Smart Board.

“My favorite part of the day is process art,” Kleban said. As opposed to art his-tory, the students are able to mimic a

specific artist they have been learning about by creating their own work. The use of basic materials makes it a simple and very enjoyable task.

At the end of each school day, every student is sent home with an Activity Report. It explains, in detail, about the lessons and tasks that were preformed. The report is a way to get parents in-volved in what their children are doing and also promotes positive feedback for the students.

It’s amazing what they come up with,” Kleban said, in regard to the individual personalities each student displays.

Pre-K is an important step for children. Hough believes that it is a wonderful transition for students to become accli-mated to the schoolroom environment when they enter kindergarten.

When this school year is over, Kle-ban will be graduating with her current students and moving on to teach The Goddard School’s kindergarten class. She is excited to share more time with the children who she has educated and helped grow.

Enrollment for kindergarten will continue until the end of February, and the demand for this class has given the owners, Doug and Julie Vanderbilt and Hough, the opportunity to create a new classroom specifically for that purpose.

As for Kleban, who has nurtured chil-dren in daycare and collaborated with other schools in the past, the students and faculty see it is clear that The Goddard School is where she belongs.

Pre-K students receive special attention at The Goddard School

“Ms. Bobbie” Kleban reads to her Pre-K class at The Goddard School in Hazlet.–Michelle Tuchol

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March 22 – April 10, 2011

By George Bernard ShawDirected by David Staller

A witty ode to love, faith, and strong women.

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In the middle of March, Americans love to break out from the winter doldrums and celebrate St. Patrick’s Day with parades, green beer and “Kiss Me, I’m Irish” but-tons. But how much do you really know about the holiday. Below are some interest-ing facts and tidbits about the March 17th

holiday.34 million Americans have Irish an-

cestry. That is nine times higher than the population of Ireland, which is 4.1 million.

Irish is the second highest reported ancestry in America. Twelve percent of Americans claim to be Irish. In Massachu-setts, that number jumps to 24 percent - the highest in the nation.

According to the Guinness Book of World Records, the highest number of leaves found on a clover was 14.

On any given day, 5.5 million pints of Guinness stout are sold worldwide; on St. Patrick’s Day, the number more than doubles to 13 million pints.

Who was Saint Patrick?

Did you know St. Patrick’s Day is cel-ebrated on March 17, because it is the day St. Patrick died?

St. Patrick’s given name was Patrick Maewyn and he was born in Britain to a wealthy pagan family.

St. Patrick, at the age of 16, was kid-napped and brought to Ireland. It was there that he had a dream where God spoke to him and told him to leave Ireland. He eventually made his way back to Britain where he had another dream telling him to return to Ireland as a missionary.

For the next 20 years, St. Patrick studied Christianity, first in France then Germany. In 432, Pope Celestine bequeathed upon St. Patrick the title of bishop. St. Patrick and 24 followers returned to Ireland where

they planned to convert the Druid popula-tion.

No snakes in Ireland

Many myths have sprung up around St. Patrick. After his death sometime around 461, he was largely forgotten, but over the centuries folklore has interwoven itself into the story of St. Patrick.

Did St. Patrick drive every snake out of Ireland? No, he did not. It is true, snakes do not exist in Ireland today, but they never did. Ireland is an island and snakes could not migrate across the cold waters that sur-round it.

Lucky four-leaf clover

Are four leaf clovers lucky? Yes and no. There are an estimated 10,000 three clo-vers for every one four leaf clover. So if you find one, you must be lucky.

Why is the clover an integral part of St. Patrick’s Day? The clover was used by St Patrick to convert the Druids. The Druids believed in triads, which were sayings, broken into threes that were designed to help each member live their life and the three-leaf clover represented it. St. Patrick explained to the Druids that in fact they were correct. The three-leaf clover was a religious symbol, but it did not represent the triads. Instead, it represented the Trin-ity: the Father, the Son, and the Holy Spirit.

Are you making the right fashion statement?

The Irish flag is green, white and orange. Green symbolizes the southern part of the country and is worn by Ireland’s Catholics. Orange represents the northern part of the country and is worn by Ireland’s Protes-tants. White symbolizes the unity between north and south.

There is more to St. Patrick’s Day than green beer, snakes and parades

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“You have to own your days.” The words of Murray Burns resonated at the

Two River Theater on opening night of HerbGardner’s “A Thousand Clowns.”

The production gives insight into the mind ofBurns, as well as everyone that comes into con-tact with him.

Burns (Michael Nathanson), is a slightly offthe wall, unemployed scriptwriter with a bigimagination. His highly intelligent 12-year-oldnephew, Nick (Matthew Gumley), has been liv-ing with him in a cluttered one-bedroom apart-ment since his mother dropped him off yearsprior. Since then, the odd couple play off eachother, displaying wit and whim.

The light-hearted tone disappears when acouple from child services knocks on the doorand immediately begins prying into the life ofthe Burnses without much help from Murray. AsNick makes an attempt to show that his uncle’sworld has given him an enriched childhood,Murray sabotages any chance of keeping hisnephew by addressing the situation with unco-operative jokes.

Albert Amundson (Brad Heberlee), thestraight-laced, no-fooling representative of child

services, grows tired of Murray’s hijinks and dis-misses the case. His counterpart, SandraMarkowitz (Crystal Finn), finds the Burnses en-dearing and stays with them to find a solution.

Murray understands that in order to keepNick, he must find a job and maintain a qualityof life suitable for a child. But thoughts of work-ing for people who can’t appreciate a creativemind leave him unable to justify any kind of em-ployment.

It’s only after encouragement from Sandra,who finds herself falling for Murray, that hebites the bullet and asks for help from hisbrother, Arnold (Lou Liberatore).

Although Arnold makes every effort to helphis brother, Murray seems to fudge an opportu-nity to resume work with “Chuckles the Chip-munk,” a TV personality played by Leo Herman(Nick Sullivan).

All seems lost after a heated debate withArnold and a misinterpretation of what’s reallyfunny about “Chuckles.” But the dilemma con-cerning Nick and the possibility that he willgrow up without the gusto of a free spirit makesMurray change his ways.

The characters have serious passion for whatthey do. It’s something that is noticeably differ-ent about the 1965 film adaptation. As in theoriginal 1962 Broadway hit, the audience must

rely on the actors’ facial expressions, tone ofvoice and movement on one stage without theaid of excessive score, or background music, toset the tone.

No, there weren’t any clowns present—atleast, not any with dramatic makeup or oversizedshoes. The clowns in director Davis McCullum’sproduction are all those who make up the story.It’s Murray, who doesn’t take anything seriously.

It’s Herman, whose main goal is for people tolike him. And it’s Markowitz, who gives undi-vided attention to those in need, without recog-nizing the needs of her own.

“A Thousand Clowns” is a well-received playthat pays tribute to the shifting values of 1960’sconservatism and the strides that everyonemakes in order to find their role in life.

‘A Thousand Clowns’THEATER REVIEW

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A co-worker’s first foray into the world of book publishingBy SHIRLEY STCLAIRCorrespondent

Have you ever wondered what it would be like to meet a famous author when they first get published or are just starting their professional writing career? The question came to mind because one of my co-workers, Mat-thew R. Linderoth, is such a person. He is a young man who is just starting his career as a historical author and has recently published his first book, “Prohibition on the North Jersey Shore: Gangsters on Vacation.”

“Prohibition on the North Jersey Shore: Gangsters on Vacation” pro-vides a look at how towns such as Asbury Park, Atlantic Highlands and Ocean Grove began as quiet retreats for pious New Yorkers wishing to escape the vice and crime of the city, before becoming a haven for crimi-nals who smuggled liquor through the seaside with the passage of Prohibi-tion.

It explains how gangsters like Vito Genovese, Charles Luciano and Meyer Lansky ruled this brutal underworld as well as how the Ku Klux Klan found a very welcoming

home along the North Jersey Shore while tourist and local residents alike struggled to deal with crime unfold-ing all around them. You will also find out what Atlantic Highlands, Red Bank, Leonardo, Belford, Keansburg, Keyport and other towns had in com-mon during that time. Also, most of the pictures in the book have never been seen, and Linderoth designed the maps within the book.

Linderoth holds a bachelor’s degree in history from Rutgers Uni-versity and a master’s in U.S. History from Monmouth University, where he specialized in-20th century U.S. social history.

He is a trained historian who spent two years researching and read over 100 books on a wide range of topics, spending thousands of hours in the

archives of the Monmouth County Historical Association, the Long Branch Library, the Asbury Park Li-brary, the Rutgers University Library, the Monmouth University Library, the New Jersey State Library, the Middletown Library and the Mon-mouth County Library.

Linderoth will be lecturing and signing books at local historical soci-eties and associations in the coming months:

• March 19 from 1-3 p.m. at the Holmdel Barnes & Noble on Route 35;

• March 21 at 7:30 p.m. in the Mac-Leod-Rice House at Croydon Hall, 900 Leonardville Road, Leonardo;

• April 27 at 7:30 p.m. at the Long Branch Historical Association;

• May 29 at the Galleria in Asbury Park; and

• June 22 at 7:30 p.m. at the Atlan-tic Highlands Historic Association at the senior center.

“Prohibition on the North Jersey Shore: Gangsters on Vacation” can be found at Barnes & Nobles, Ama-zon, the Book Compound in Atlantic Highlands and the Galleria in Asbury Park.

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Saturday March 19

HIGHLANDS9th Annual Highlands St. Patrick’s Day ParadeBay Ave, Highlands; 2:00pmContact: 732-291-4713

Monday March 21

ASBURY PARKStaged Reading: Revision TheaterThe Showroom6:30pm - 7:30pm708 Cookman Ave, Asbury ParkContact: 732-502-0472The Importance of Being, presented by Revision Theater

Thursday March 24

ATLANTIC HIGHLANDSDine & Discuss MergerJulia’s Restaurant6:00pm - 8:00pm91 First AvenueContact: 732-872-1007Atlantic Highlands Library presents Meet the Author: Sanjay Sanghoee. The author will discuss his first novel, Merger. Reser-vations required.

Friday March 25

RED BANKMagical Dance Performance: The Wonderful Wizard of OzCount Basie Theater10:00am - 12:00pm99 Monmouth StreetContact: 732-842-9000The Wonderful Wizard of Oz presented by Company of Dance Arts. Students and Seniors only. Tickets: Students - $4, Seniors - $5

RED BANKReckless Steamy Night: Eryn Shewell “Unplugged”The Women’s Club Red Bank8:30pm - 11:00pm164 Broad StreetLight refreshments are provided. Benefits the Red Bank Woman’s Club, and the Jer-sey Shore Jazz & Blues Foundation schol-arship funds. $10 suggested donation.

Saturday March 26

RED BANK

Magical Dance Performance: The Wonderful Wizard of OzCount Basie Theater3:00pm - 5:00pm99 Monmouth StreetContact: 732-842-9000The Wonderful Wizard of Oz presented by Company of Dance Arts. Tickets: Orches-tra and Balcony - $35, Upper Balcony - $15. Also playing on Sunday March 26.

SEA BRIGHTCasino NightMcLoone’s7:00pm - 11:00pm816 Ocean AveContact: 732-842-8000, ext. 236Tickets: $100. Includes a dinner buffet, $50 in casino chips and entertainment. It also features a 50/50 drawing, complimen-tary soda bar and a cash bar. To benefit The Source, Red Bank Regional’s School Based Youth Services Program.

Tuesday March 29

RED BANKEducational Matinee: CandidaTwo River Theater9:00am - 12:00pm99 Monmouth StreetContact: 732-345-1400, ext. [email protected] 9-12, part of Two River Theater Education Series

Thursday March 31

ASBURY PARKGSFF Special Screening for KidsParamount Theater10:30am - 1:00pm1300 Ocean AvenueContact: 877-908-7050FREE - Advanced Reservations Only. A screening of age-appropriate Independent Films for kids, grades 5th-8th. Feel free to bring a bag lunch. Tables and chairs will be provided.

ASBURY PARKGSFF Benefit Screening: Journey of HopeParamount Theater7:30pm - 9:30pm1300 Ocean AvenueContact: 877-908-7050Screening of a Journey of Hope to benefit Joe Leone’s L’Aquila Earthquake Relief Fund. A reception to follow the screening.

Calendar Event Listing cont.Community Messenger March 201120

21February 2011 Community Messenger

OUR CHARITY

The mission of the non-profit organiza-tion Kick Cancer Overboard is to give awayas many free cruises as possible to peoplewhose lives have been affected by cancer.

During this annual cruise, their mainconcern is not how to pay for the next med-ical bill, but whether to play bingo, get amassage or go sing karaoke all night long.

Kick Cancer Overboard (KCO) is thebrainchild of Ted Friedli, the owner ofExcel Travel in Long Branch. Last May, heran the idea by his friends, DonnaLynGiegerich and Tom Zapcic, Red Bank, pres-ident of Heritage Benefits Group LLC, whoboth “jumped on board” immediately tohelp grow KCO.

The response from the local communitywas tremendous and within days Friedliwas able to established a committee withArt Castellano (race director of N.J.Marathon); Robert Schillberg, Esq.; LindaPressler, CPA; Carol Feldman, branch man-ager, Jersey Central Bank; and Cliff Moore,owner of Keyport IHOP and CommunityPublications.

Also, you cannot forget Giegerich and

Zapcic, the inspiration behind it all. Donna-Lyn is a professional speaker and nationalspokesmodel, insurance entrepreneur andcreator of www.donnalyn.org, a global ad-vocacy site to empower others. She is a raresarcoma survivor and caregiver in thiscourageous cancer couple’s journey elevat-ing what’s possible with “less fear, morefun.”

Because of the overwhelming supportfrom many local businesses, Kick CancerOverboard has been able to sponsor sixpeople, and offer them a well-deservedbreak for at least five days. You can viewtheir stories at www.kickcanceroverboard.org.

According to Friedli, there’s more goodnews as two more recipients will be an-nounced at the next event.

The actual cruise will leave from CapeLiberty on May 21 for five days toBermuda, on Royal Caribbean’s Explorerof the Seas. Prices start at $525 plus tax perperson.

Friedli said it’s a numbers game: Themore paying passengers KCO can book, the

more people they can sponsor to travel forfree. This way, everybody wins; the cancerfighters get a break, the sponsors get greatexposure at the events, and the people thatchoose to cruise, will get a phenomenalgroup rate.

“Our goal is simple, to fill the ship withcancer fighter and survivors, their friends,family and supporters – and celebrate life,”Friedli concluded.

Kick Cancer Overboard was chosen asone of 25 charities supported by the NJMarathon. Runners can log onto www.nj-marathon.org), commit to running for KickCancer Overboard (at a reduced rate!) anddirectly sponsor a person to sail for free!

“If you give $1000 to a charity”, Friedli

reasons, “too often you really don’t knowwhat happens with that money. For $879you can sponsor a cancer fighter, get toknow and truly make a difference in thatperson’s life! Or you can sponsor a wholefamily or just come to our next fundraiserfor $15. Either way, we appreciate every-body’s support!”

The next KCO event (and last one beforethe cruise) is scheduled for 3/1/11 at 630pmat the Middletown Arts Center. It will be acombination Expo, Networking and Tropi-cal Fashion Show. For more information onsponsorships and the upcoming event,please go to www.kickcanceroverboard.orgor call 800 392 3588.

Kick Cancer Overboard’s free cruises

Big Brother Jared DeVincenzo recently saidthat he couldn’t believe he and his LittleBrother Aaron have been together for al-most four years now. Jared, who lives in Atlantic Highlands, hadalways wanted to give back in some wayand being from a family of educators, heenjoys children. Jared never had a youngerbrother but now he has a Little Brotherthrough the BBBS program.Jared and Aaron have gone to the movies,to a Nets game, Blue Claws games, playedsoccer, basketball and football at local parksand just enjoyed time together.When they aren’t able to get together in per-

son, Aaron said they email or talk on thephone to catch up on what’s going on ineach other’s lives.In just four to six hours per month you canmake a big difference in a child’s life. Tofind out how to become a volunteer mentorvisit www.bbbsmmc.org or call 732-544-2224. Big Brothers Big Sisters of Monmouth &Middlesex Counties is a donor supportedvolunteer agency that is currently servingover 400 children through one-to-one men-toring. The agency has over 40 childrenwaiting to be matched with a caring BigBrother of Sister.

Aaron and Jared DeVincenzo

Jared DeVincenzo and AaronBBBS PROFILE

Big Brothers, Big Sisters of MonmouthCounty is holding their 29th Annual Bowlfor Kids' Sake bowling tournament fromMarch 4 to March 6.

Businesses can sponsor a lane for only$250 and bowlers can sign up for only $100to bowl. The event provides great exposurefor your business and great publicity allwhile supporting a great charity through afull tax-deductible donation.

By participating as a sponsor, you and

your business will benefit from exposurethrough media campaigns and promotionalefforts directed toward the supporters ofBBBSMMC. We have a number of spon-sorship levels and you can select the onethat best meets your needs and be certainthat your support will not only benefit yourcompany but children in your community.

E-mail [email protected] formore information.

Sponsorships opportunitiesavailable for BBBS event

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By JO SCHLOEDERColumnist

On St. Patrick’s Day, we seem to besurrounded by green edibles greenbagels, green cabbage, green eggs, evengreen beer. But green doesn’t just haveto refer to color—it can also refer to hownaturally products are made.

The makers of Nylabone®, the leaderin responsible pet care for over 50years®, want to remind pet owners theycan “think green” this St. Patty’s Day bygiving their pets natural, “green” foodsand chews like Nylabone’s great tastingHappy-Time Edible Chews. Made in theUSA, long-lasting Happy Time EdibleChews are made with real chicken andno added sugar, salt or artificial floors.These natural, edible chews keep dogsbusy and help prevent destructive chew-ing while allowing pet parents to givetheir dogs a natural, healthful product.

Also check out Nylabone’s Healthy

Living Dog Chews, which contain greeningredients like CoQ10, chlorophyll,pomegranate, pumpkin, flaxseed, andother yummy natural components. Theyare great sources of fiber and natural an-tioxidants and also promote good dentalhealth.

And don’t forget: though all thosegreen human foods may look festive,they can make Fido very sick. Keep petsaway from people foods all year long,and especially food that’s been coloredgreen with food dye. The same goes forgreen beer. Alcohol of any kind is badfor pets, and the green stuff is just askingfor trouble.

One more word about going green:Many shelters take donations of usedbedding, towels and pillows. Beforethrowing these items away, check withyour local shelter to see if you can recy-cle your used linens to line the bed of ashelter animal.

Pet owners: Think ‘green’this St. Patrick’s Day

If you are interested in adopting any of our adorable animals, please callthe Homeward Bound Adoption Center on 732-542-5962.

Adorable Adoptables

JACK & JILL are brother and sister Chi-huahua mixes who were originally foundtogether as strays. They were adopted andsadly their guardian passed away. Jack &Jill are 2 years old. They are an adorableduo, and need to go to their new home to-gether.

KONA & NALU are brother and sistergorgeous "teenagers" who were adopted asvery young kittens. Their mom is no longerable to care for them. Kona and Nalu arenow 8-month-old playful, loving, cuddly,and frisky kitties who will give any newfamily tons of happiness.

Where’s Moose?

Moose Moore has gotten free and is roaming aroundthe Bayshore area. Do you recognize where Mooseis? Help us find Moose by emailing his location [email protected]. Please put“Where’s Moose?” in the subject line. Everyone who responds will receive a “Where’s Moose Moore?” T-shirt, courtesy of Community Publications and Market ME Printing inHazlet. One random correct response will also receive a special prize.This month, the prize is candy and a $25 gift certificate to Suzi’s SweetShoppe (see ad on Page 25). Clues can be found on the Facebook pagesof Community Publications and Moose Moore.

PET CORNER

Last month:The grand prize winner,John McCarthy, knew thatMoose was standing at theKeyport Waterfront.


The Jewel of the Bayshore!

Visit us at [email protected] | P.O. Box 141, Atlantic Highlands, NJ 07716 | 732.872.8711

ATLANTIC HIGHLANDS

Greetings from the Bayshore community of Atlantic Highlands!I would personally like to thank Vin Gopal and Cliff Moore, publishers of the Community Messenger, for designing this publication as a public forum for the Atlantic Highlands Chamber of Commerce and surrounding community. Please revisit the Community Messenger on a monthly basis to find out what is happening in your backyard!

When was the last time you visited Atlantic Highlands? Several positive changes have taken place here at the Bayshore in the past couple years. Great new restaurants, services, beautification projects, the installation of new town events have been designed for you, our community.

One week ago, we welcomed a new business to the First Avenue business district, Hudson Cafe featuring breakfast and lunch. Visit them online at www.TheHudsonCafe.com.

Philly’s also opened it’s doors on West Avenue

in Atlantic Highlands specializing in sandwiches and cheese steaks. A ribbon-cutting ceremony was performed by Mayor Rast on Friday, February 11th and complimentary lunch was served to the public.

The 4th annual Atlantic Highlands Farmers’ Market will make it’s season debut on Friday, May 6th at Veterans’ Park. The market is open from 12 noon to 6:00pm on First Avenue and will run through October 7th. Jersey Fresh vendors will be present along with several local farmers and organics. One of the largest farmers’ markets in Monmouth County, our market features gluten-free baked goods, flowers, plants, prepared foods, pickles, breads, nuts, chowder and handmade soaps. To participate in the market, sponsor the event or for more information, call 732.872.8711.

The 3rd annual Atlantic Highlands Chamber of Commerce Car Show is all reved-up for Saturday, June 4th. Rain date: June 5th. First Avenue will be overflowing with vehicles of all makes and models. There will be judging for prizes, certificates of

appreciation and goodie bags for all entrants. Two areas of entertainment will host various local acts of dance and music. Automotive vendors and chamber businesses will fill Veterans’ Park with something for everyone! First Avenue restaurants and shops will offer car show specials for the day. Come early, stay late! Volunteers needed for various duties. For entry form and more information, contact [email protected] and visit www.AtlanticHighlands.org.

Looking forward to a great new beginning with the Community Messenger and you!

Chuck LeroPresidentAtlantic Highlands Chamber of Commerce

Farmer’s MarketFridays starting May 6th

12 noon to 6:00pmVeterans’ Park, First Avenue

3rd Annual Car ShowSaturday, June 4th

11:00am to 5:00pmFirst Avenue & Veterans’ Park

http://www.atlantichighlands.org


CareOne at King James is proud to announce the launch of CareOne Next Step Home, a first of its kind specialized home preparation plan aimed at assisting patients and their families to achieve a safe and optimal discharge from the inpatient medical rehabilitation setting to home and community.

Home training focus areas include:

Diagnosis Education Patient Safety Therapy Services Discharge Summary Packet Community Resource Directory Understanding “After- Discharge Services” Therapeutic Day Passes Home Simulation Therapy Community Re-entry

•••••

•

•••

To learn more about CareOne’s Next Step Home Program or any of the services offered in CareOne’s after-hospital-care recovery units, please contact the Admissions Office at

732.291.3400, CareOne at King James, 1040 State Highway 36, Atlantic Highlands, NJ 07716

Weichert, Realtors ®

RUMSON OFFICE

30 Ridge Road, Rumson, NJ 07760

Office: 732-747-8282

Agents of the Month

Kevin Gore

Top Listing Agent

for January

Gail Delia

Top Producer

for January

Robert “Bob”

Levenson

Top Sales Agent

for January

AH grand opening

Business and local officals, including Atlantic Highlands Mayor FrederickRast (third from right), recently celebrated the grand opening of Philly’s witha ribbon cutting.–Community Publications

http://www.suziweetshoppe.com

http://www.care-one.com


KID’S CORNER

O R A N G E B A TF K V P I F A P SH I I Z P Z L U EI T S Q I L L P NB T L H R E E P AU E Q E J M N Y DL N T S M O F J NI A C R G N Y V BW L B M I L K D X

COLOR

ME IN


PUZZLES

Puzzle

answers

on Page 34

Across2 Twin Lights __________. (10)5 __________ Park is in Union Beach. (7)8 The Highlands - Sea Bright Bridge was once a ________. (10)9 __________ Creek is located in Belford. (7)10 Hazlet was once known for its' abundant __________. (7)

Down1 Portions of Middletown Township and Raritan Township formed this borough. (9)3 The Bayshore Town that had the last drive-in movie theater in NJ. (6)4 Highlands is located on the __________ River. (10)6 __________ Business Alliance (7)7 _________ Lighthouse is located in Leonardo. (7)

2 57

6 2 16

9 5 3 4 25 4 84 6 5 3 85 7 1

8 4

1 2 3

4

5

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8

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F I S H I N G W T O S C OL R R Z I S J N V L A O CS E P T S B I A A P I N EU S Y H W O A V C S L C AR T O S D A I E A D I E NF A R N U T W S T M N R VI U U A S H F I I M G T NN R R E F Q J N O A W S SG A F X X F O K N R Z K UM N U T L I I G H I I C MA T L A N T I C G N Z Q MU S E M V P L A Z A S Y EM A R K E T S D W S Z P R


By REBECCA KOPPSpecial to the Community Messenger

Snow, ice and bad weather has not stopped this group of Real Results par-ticipants from getting involved in the program! The session had a delayed start due to Mother Nature, but on January 19, seventeen members began their journey to health. This session of the all-inclusive health program runs for eight weeks and participants are well on their way to mak-ing positive changes.

Real Results participants have been working with Eastpointe Health and Fitness trainers receiving the benefits of customized one-on-one and group training, as well as nutritional coun-seling, weekly motivational meetings and lectures, all designed to help each individual achieve personal goals and lifestyle changes.

The program’s track record has shown that it does work. First started in 2005, the program is run three times throughout the year and focuses not only on weight loss but on improving overall health through balanced nutrition and exercise. As a result of this approach, participants see a reduction in other health indicators

such as body measurements and body fat. The average weight loss over the 8-week period is 12 pounds for each person suc-cessfully completing the program.

Since the program’s inception, over 250 participants have taken the journey. Many of these members have gone on to maintain their results; some even join subsequent programs to continue their momentum. The goals of this group vary greatly and range from improving overall health and stamina to increasing energy levels to losing weight.

So what is in store for participants over the next several weeks? Trainers are currently working with them in several teams where they receive the benefits of customized personal training. They are also attending ongoing nutritional coun-seling, discussion group sessions, weekly motivational meetings and lectures all designed to help each individual achieve personal goals and lifestyle changes.

“Past and current Real Results par-ticipants have said that what makes this program different from other programs is the amount of support and encouragement they received,” Kim Garrity, nutritionist and program administrator, said. “They really feel like they are part of a group and

that makes all the difference for them.”If you would like to keep track of the

group’s progress, you can do so via the nutrition blog on our website www.East-pointeHealthandFitness.com. You can see weekly status updates from the pro-gram.

It is never too late to begin!Just because you missed the start of

the January session does not mean you have to wait for the next session to begin. Individual nutrition plans and custom-ized training programs are available now

and can set the foundation for the next program in April. Interested? Want to get started? Register for your free con-sultation by going on our website and submitting an inquiry on the nutrition page or giving us a call.

For a full description of the Real Re-sults program including future dates and a complete list of what is included, again, call Eastpointe at 732-872-6595 or visit our website, www.EastpointeHealthand-Fitness.com.

Winter session of Real Results is well underway at Eastpointe


Safety and security

around your house is a majorproblem. In order to protectyourself, you should have anongoing relationship with thepolice department. Youshould advise them of anypotential threat level or prob-lems that may exist in yourlife that could cause yourhouse or your family to betargeted.

A good example of some-thing you should let yourlocal police departmentknow of is if you are theowner or senior manager of a company andyou have recently had major layoffs or youhad to fire individuals that were extremelyagitated or threatening. Another examplewould be if you are a noted entertainmentfigure living “very low-key,” with only afew people knowing who you are in town,your police department should know whoyou are and exactly where you live.

Other examples are: If you have a fineart collection, a large weapon collection orthings that would be attractive to criminalsand make your house or your family a po-tential target for theft or armed robbery, youshould be in contact with the police depart-ment. Your police department will keepeverything very confidential, but will keepa closer eye on you, your family and yourhome.

Also, the police department should benotified if you are planning to go on vaca-tion so they can be more diligent in theirspot patrols of your home. Most police de-partments have a system in place, which al-lows them to come and check your house,doors and property while you are away.They generate a report each time it is done.

Another consideration is if you are ahigh-profile individual and you have yourown private security, either bodyguards ordrivers that pick you up at your home. Besure to let the police department know thatthis is authorized. In the event a patrol iden-tifies a strange person sitting outside yourhome, they should know in advance that itcould be your driver or bodyguard, espe-cially in the early morning hours.

One thing you can do to protect yourselfand your family at home is to install analarm system in your house. Unfortunately,the alarm business is filled with a lot of peo-ple who will take advantage of those whodon’t understand alarm systems. You seegimmick advertisements; “$199 to alarmyour house” as an example. Often this is

done by well-known largecompanies. Often they havetheir own central station. Acentral station monitorsalarms 24 hours per day.

However, when theycome to your home, you findout that the $199 only pro-vides one or two magneticcontacts on doors plus a key-pad. In addition, they try tosell you 24-hour monitoringof your alarm system forhundreds of dollars per year.They try to lock you into asix- or ten-year monitoring

service contract. They will also use the$199 gimmick to get a sales visit, who thenwill talk you into buying a good quality sys-tem for thousands of dollars.

The problem with all of this is, if analarm installer has his own central station,it is costing him little for someone to mon-itor, other than the operation of that centralstations. Considering that a large alarmcompany might have thousands of cus-tomers, that yearly monitoring fee is a largewindfall for their company. If an alarm in-staller from a smaller company does nothave their own monitoring station, theyhave to pay approximately $100 per yearonly, per client to that central station.

As an example, if they sell you a contractfor $399 a year to monitor, they receive$299 for doing nothing other than havingyou sign up. Multiply that by hundreds orthousands of customers, and that’s a signif-icant windfall for them. If a large companyhas its own monitoring station, all that youpay goes to them. Take just 200 customers(which is a very small number), multiplythat by $399 per year, multiply that by alocked-in, six-year contract and the com-pany is taking in $478,800. Most alarm in-stallers have a thousand or more monitoringcustomers. What you find when the alarmcompany representative comes to yourhouse to sell you a $199 system is that sucha system will not truly protect your homeor family.

They will also tell you that in addition toyour burglar alarm, you should have a firealarm, which is true. Keep in mind that agood quality alarm system, installed by anexperienced alarm installer, will cost youbetween $1,500 and $3,000 for an average-sized house, depending on the extras youwant. For that sum, you “own the equip-ment” that is installed in your home. Agood quality alarm installer will provide aguarantee to support the equipment that he

installs for a 1-2 year period of time. A good alarm system does not have false

alarms. A good alarm system allows you tohave a perimeter protection system, with aback-up interior system and panic devices.You should be able to sleep at night withyour alarm system on. If you like to sleepwith your windows open, your alarm in-staller can position the windows to permitthe windows to be partially open with thealarm system in the armed mode. They willensure that a panic system is installed in thehouse for medical emergencies or a homeinvasion. The panic system should be in-cluded in all modern alarm systems at no orvery little extra cost. However, you maypay a small amount for the extra portablepanic devices.

Any good alarm company is going to in-clude fire protection in your system in ad-dition to burglar protection for the samecost. Currently, the newer alarm systemshave available at a reasonably low extracost a backup cell phone, which can be in-stalled in your attic. This protects you inthe event someone cuts your telephone linesor if there was a major storm and the tele-phone lines were down in the area. It allowsthe signal to go out wirelessly.

One thing that you should consider isthat a good quality alarm company willsend a qualified technician, not someonewho was a used car salesman “last month.”A good alarm installer will survey yourhome at no cost and make recommenda-tions that would best protect your particularhome. All of this done free of charge.

There are many do’s and don’ts in creat-ing an alarm system. Years ago, peoplewere afraid about putting motion detectorsin their homes because they had pets thatcaused false alarms. Current “motion de-

tectors” are passive infrared devices. Notonly does movement set them off, but italso has to be movement with a change oftemperature simultaneously. Temperaturechanges within a room will occur based onthe mass of the person or animal that ismoving within the room. This means thatif you had a large German shepherd, hisbody temperature and his movement maymake it impossible for you to have motiondetector in an area with a large dog roamingunlimited through the house. However, ifyou had a small dog or cat, a good motiondetector would not be activated by this an-imal because their body mass and their tem-perature will not normally set off the alarm.Many people have told me when I havedone surveys of their homes that birds setoff their motion detector. Modern motiondetectors will not have that occur.

A way to compensate if you have largeanimal in your house, yet want additionalmotion detector protection is to, during thesurvey, find the most vulnerable spots forcriminal entry and barricade the entrance-way so your large dog will not have accessto that most vulnerable spot.

I would like to remind all of you to keepyour police department informed. Let themknow that you have an alarm system in thehouse. Let them know if you have privatesecurity. Let them know if you’re goingaway for any length of time or have anyspecial concerns or threat levels.

In future columns, I will address othersecurity considerations on how to protectyour home. We will discuss shrubbery,lighting, landscaping and many other thingsthat will help protect your home and family.

Frederick Rast is a business owner andmayor in Atlantic Highlands.

OPINION

Safe and

Sound

By

FREDERICK RAST

The truth about alarm system installers

http://www.eastpointehealthandfitness.com


Maple BBQ-Glazed Meatloaf Two pieces of seasoned meatloaf glazed with our sweet and tangy maple BBQ sauce. Served with mashed potatoes,

buttered corn, garlic bread and extra maple BBQ sauce. Plus, your choice of soup, house or Caesar salad.

Limited Time Seasonal Dinners Starting at $8.99

Spinach & Artichoke Garlic Chicken A grilled, juicy, rosemary-garlic chicken breast atop a spinach dip. Served with garlic-herb rice, two tomato slices and gar-

lic bread. Plus, your choice of soup, house or Caesar salad.

Buttermilk Battered Fish & Chips Two buttermilk-battered Alaskan Pollock lightly fried until

golden brown. Served with seasoned fries, coleslaw, tartar sauce and your choice of soup, house or Caesar salad.

Chicken & Sausage Jambalaya A zesty combination of tender chicken cutlets, chopped

smoked sausage, green peppers, onions, tomatoes and mari-nara sauce. Served on a bed of garlic-herb rice with garlic

bread and your choice of soup, house or Caesar salad.

OPEN 25 HOURS Keyport—106 Route 36 by Stop & Shop


OPINIONThe hidden dangers of gifting under the Tax Act

MICHAEL J. CUNNINGHAM, M.D.

Orthopaedic Surgery and Sports MedicineCerti�ed by American Board of Orthopaedic Surgery

Sports Medicine sub-specialty certi�cation

Phone : 732-264-5454www.CunninghamOrtho.com

[email protected]

Two locations:733 North Beers Street, Suite L3

Holmdel, NJ 07733 ~and~

53 Main StreetSayreville, NJ 08872

This past December, the fed-eral government enacted the TaxRelief, Unemployment InsuranceReauthorization and Job Cre-ation Act of 2010 (the “TaxAct”). In part, the Tax Actchanged the laws governing thefederal estate and gift tax system.Today, I wanted to write aboutthe changes the Tax Act broughtto the federal gift tax system andabout the interplay of the gift taxlaws and the Medicaid assettransfer rules.

Individuals with whom I meetare always confused about thefederal gift tax. Most people be-lieve they can only gift $13,000 a year. Peo-ple seem to believe they will pay a tax ofsome sort on the amount they gift over theannual exclusion amount.

I have always told clients that this beliefis incorrect. The fact of the matter is, priorto the passage of the Tax Act, each personhad a $1,000,000 lifetime credit against gifttax, meaning that a person could gift$1,000,000 before he would have to pay gifttax. And it is the maker of the gift who

would have to pay the gift tax,not the recipient of the gift.

In addition to the$1,000,000 gift, a taxpayercan make the annual exclu-sion gift to an unlimited num-ber of individuals withoutreducing his $1,000,000 life-time credit. For instance, Mr.Smith could gift $13,000 eachand every year to an unlimitednumber of people without re-ducing his $1,000,000 life-time credit.

If Mr. Smith gifted morethan $13,000 to any one per-son, the amount that was

gifted over $13,000 would reduce his$1,000,000 credit proportionately. So, forinstance, if Mr. Smith had gifted $23,000 tohis son, Mr. Smith’s lifetime credit againstgift tax would have been reduced from$1,000,000 to $990,000.

The Tax Act did not change the annualexclusion amount. The Tax Act did notchange the impact of gifting more than theannual exclusion amount to any one person.What the Tax Act did change, however, is

the amount of the lifetime credit. The TaxAct increased the lifetime credit amountfrom $1,000,000 to $5,000,000.

Obviously, for most of us, being able togift $5,000,000 is simply a dream becausewe’d have to have $5,000,000 to give away.And how much money would you have tohave before you wanted to give away$5,000,000?

After the passage of the Tax Act, I thinkit is safe to say that for most Americans, thefear of paying gift tax is a non-issue. Mostof us could give away every asset we ownwithout the fear of ever having to pay gifttax.

Moreover, if you are married, you andyour wife can each give away $5,000,000without paying gift tax. So, a married cou-ple can gift $10,000,000 without paying gifttax.

But how do the gift tax rules interplaywith the Medicaid asset transfer rules? Inother words, can a person gift $13,000 ayear without fear that the gifts will affect hiseligibility for Medicaid?

Medicaid is a health insurance programfor needy individuals. Unlike most healthinsurance, though, Medicaid pays for long-

term care costs, such as nursing home care,assisted living care, or home health aides.Since Medicaid is only available to needyindividuals, Medicaid punishes those indi-viduals who give away money within a five-year period of time prior to apply forbenefits by making those individuals ineli-gible for Medicaid benefits.

Gift tax rules have nothing to do withMedicaid asset transfer rules. While a per-son can make $13,000 a year gifts to an un-limited number of individuals, each of thosegifts made within the five-year period priorto applying for Medicaid benefits will countagainst the individual and cause him to beineligible for Medicaid.

The bottom line is, if you’re rich, feelfree to make a gift. If you’re like most ofus, those gifts could come back to hauntyou.

John W. Callinan is a certified elder law at-torney (as certified by the National ElderLaw Foundation, accredited by the Ameri-can Bar Association). John has offices inWall Twsp., Middletown, and Jamesburg.He can be reached at 732-706-8008 orjohncallinan@ optonline.net.

Legally

Speaking

By

JOHN CALLINAN

http://www.cunninghamortho.com

As an investor,you want yourmoney to growso that you canachieve your im-portant goals,such as a com-fortable retire-ment or collegefor your chil-dren.

But you mayalso invest to in-crease your cashflow. In fact,without a strong

cash flow, you may be forced to dip intoyour growth-oriented investments to payfor short-term needs — and if you do thisrepeatedly, you could damage yourprospects for attaining your long-termgoals. That’s why you’ll want to look atdifferent ways of boosting your cash flow— one of which may be premium bonds.

To understand the nature of premium

bonds, you’ll first want to be familiar withthe relationship between a bond’s priceand its interest rate. When a bond is is-sued, it sells for face (“par”) value, whichis the amount returned to the bondholderwhen the bond matures. This bond alsocomes with a “coupon” rate — the interestrate that the bond will pay throughout itslifetime.

So, for example, if you paid $10,000 fora 10-year bond with a coupon rate of fivepercent, you would earn $500 per year,every year. If you held the bond until itmatured, you’d also get your $10,000back, provided the issuer doesn’t default.But if market interest rates move up to sixpercent, and you wanted to sell your five-percent bond before it matures, you’dhave to offer it at a discount from the$10,000face value. Conversely, if marketrates were to fall to four percent, you maybe able to sell your $10,000 bond for morethan its face value, because investors willbe willing to pay a premium to earn thehigher interest rate.

Now, let’s flip the equation, so that in-stead of being a bond seller, you’re abuyer. If you want to increase your invest-ment income, you might be interested in apremium bond. You pay a premium for thebond in return for higher interest paymentsfor the life of the bond, and, if you hold ituntil maturity, you’ll still get the facevalue back (again barring a default).

Furthermore, because premium bondspay higher interest, they also pay a greaterproportion of their cash flow before theymature, in comparison to discounted or“par” bonds. This helps provide for greaterprice stability, so if interest rates rise orfall, premium bond prices typically willnot decrease or increase as much as thoseof discount or par bonds.

Keep in mind that while premiumbonds are attractive to you because of theirhigher interest rate, they are unattractiveto bond issuers for the same reason. Infact, when market interest rates fall, someissuers may try to redeem (“call”) thesebonds so that they can issue new ones at

the lower rates. Obviously, if your pre-mium bond were to be called, your cashflow might take a hit. That’s why, wheninvesting in premium bonds, you mightwant to look for those that have at leastlimited call protection — in other words,they can’t be redeemed for a certain num-ber of years.

Your portfolio should comprise a num-ber of different investments designed towork together to meet your long-term fi-nancial goals. So give premium bondssome consideration as part of a well-diver-sified portfolio.

Before investing in bonds you shouldunderstand the risks involved, includinginterest rate risk,credit risk and market risk.

Patrick Chanod is a financial advisor withEdward Jones, in Middletown. He is alsothe president of the Northern MonmouthChamber of Commerce. He can bereached via e-mail at [email protected] or via phone at (732)275-1201.


Financial

Focus

By

PATRICK CHANOD

Looking for income? Consider premium bondsOPINION

David Prown3rd Generation

“PARTNERS IN SAVINGS”

732-741-7501www.prowns.com

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PUZZLE ANSWERS

YOUR SAY

K L I G H T H O U S EE AA ZN S LS C H O L E RB R TU E K C

D R A W B R I D G E OG S Y N

B C O M P T O NU O V

F A R M I N G R EY T R

O R A N G E B A TF K V P I F A P SH I I Z P Z L U EI T S Q I L L P NB T L H R E E P AU E Q E J M N Y DL N T S M O F J NI A C R G N Y V BW L B M I L K D X

2 4 7 3 1 9 5 6 86 9 1 8 7 5 3 2 43 8 5 6 4 2 1 9 71 3 2 4 9 7 8 5 68 6 9 1 5 3 4 7 25 7 4 2 6 8 9 1 34 2 6 5 3 1 7 8 99 5 8 7 2 4 6 3 17 1 3 9 8 6 2 4 5

F I S H I N G W T O S C OL R R Z I S J N V L A O CS E P T S B I A A P I N EU S Y H W O A V C S L C AR T O S D A I E A D I E NF A R N U T W S T M N R VI U U A S H F I I M G T NN R R E F Q J N O A W S SG A F X X F O K N R Z K UM N U T L I I G H I I C MA T L A N T I C G N Z Q MU S E M V P L A Z A S Y EM A R K E T S D W S Z P R

“My kids.”– Jenny Cervantes

“Rabbit’s foot.”– Bob AdamecHighlands

Puzzles on Page 26-27

“My family, because without their support allthe time I don't think I could be able to do as

much as I do and have such a good life.”– Rebecca KaneHighlands

“Freckles the dog.”– Sherry Ruby Adamec

Highlands

“Gatsby, my cat.”– Gloria MillerHighlands

“I don't think a specific object can bring you luck. Luck is luck. You're lucky

if you get it.”– Raul CruzHighlands

“Luke O'Malley.”– Sandy O’Malley

“Trinity Knot, both religious and Irish.”– Kathy Guerin

What’s your lucky charm?


Monmouth County’s Best Kept Secret

AirportPlazaRetail & Office Center

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A tlanticRestoration

Monmouth

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McCauleyConstruction

IEI

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PLAZALAUNDRY & CLEANERS

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Retail Space and 2nd Floor Office Space

Available

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Brooklyn Bagels& Gourmet Deli

Mattress & Furniture Factory II

formerly Monitor Newspapers

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March 2011 Community Messenger

http://www.navesinkfitness.com

Bayshore Community Messenger

Documents

Transcript of Bayshore Community Messenger