HEALTH (CONTINUED) Healthcare Reform and You: Your Options as a Small Business CONTINUED FROM P. 33 the year. The remaining portion goes for stop-loss, in other words, to help the insurer cover claims that go beyond what it expects to spend on its enrollees. At year’s end, the insurer assesses the amount it spent on the total claims for each group over the year. If the total spent is less than the total that the group contributed to the claims fund, the insurer returns the difference to the group. The claims fund represents the largest portion of where premiums typically go to. So, generally speaking,
How to Overcome Chronic Fatigue by Listening to Your Body CONTINUED FROM P. 46 blood purification, and strengthening of the immune system. Broccoli, collards, bok choy, kale, spinach, mustard greens, broccoli robe, arugula and beet greens are some
the market, studying them, and then offering them to suitable clients. The more knowledge, the more choices, the better. I look forward to discussing your options with you.
As a New Jersey–based professional insurance agent, I spent an inestimable amount of time studying every nook and cranny of the options discussed amongst many other available plans. I have also learned a lot during all the time I spent discussing options with owners of New Jersey businesses of all sizes and industries over the past years.
I can tell you that there is no one-sizefits-all answer. Every business, and every group of employees, needs their own unique plan. You need to know the fine print of every plan to understand the differences, advantages and disadvantages of each one. Only then can you efficiently choose a plan that’s best for you and your business. It is very satisfying for me to utilize my knowledge and experience to help businesses and individuals make a smart and educated choice for their health insurance—one that they’ll ultimately be happy with for the long term. I’m always on the front lines looking at the new options on
of the many greens to choose from. Eat adequate amounts of healthy fat, protein, fiber and carbohydrates for your body. Eat real food. Get your nutrients from whole foods not processed foods containing chemicals, preservatives and additives. Consider adding physical activity to your routine if you haven’t already. Find something you enjoy, it can be as simple as
fitting in a 20 minute walk regularly. You can always add to the time and intensity of your workout. Take time for yourself. Find activities that restore your energy, such as a walk, a bath, a visit to a museum, a movie or whatever you enjoy and schedule time with yourself to make it happen. People can drain your energy. It doesn’t
mean that they are bad but it is good to notice who drains you and why. See if you can transform those relationships by communicating and setting boundaries. If not, get rid of relationships that drain you. Create a bedtime routine for yourself. A wise friend taught me to leave all my electronic devices downstairs when I go upstairs for the evening. Try to get into bed around the same time every night. Creative a calming evening routine that will allow you to sleep deeply and recharge. Determine the amount of sleep your body needs and then make it happen. Best of luck implementing these suggestions. You will find that you not only have more energy but you will be happier as well. xoxo, Coach Gila
the amount that is potentially refundable is well over one-third of the total premium. Statistically, over 50 percent of enrollees in these plans get some of their premiums refunded each year.
What Plan Is Best for Me?
Business & Professional Directory Party Planning Bar/Bat Mitzvah Giveaways Sign A Rama (201) 489-6766 381 Main St, Hackensack Catering Custom Themed Cookies Cookie Clique Themed homemade cookies for different simchas/parties. www.cookieclique.com | 855-456-7546 Ma’adan Kosher www.maadan.com | (201) 692-0192 446 Cedar Lane, Teaneck Menagerie Take Out & Catering www.menageriecaterers.com | (201) 569-2704 41 East Palisade Ave, Englewood Florist Privet Flowers www.privetflowers.com privetflowers@gmail.com | (201) 624-2346 1454 Queen Anne Rd, Teaneck Invitations Invitations Inspired LLC Yaeli@invitationsinspired.com (551) 206-7385 Simcha Invitation Design/Printing, Custom Monograms etc. The Write Impression- Simone writeimpression@optonline.net | (201) 833-0404 195 West Englewood Ave, Teaneck Makeup Artist Studio M Designs miriamdgf@gmail.com | (201) 446-6774
Music/Orchestras Aaron Teitelbaum Orchestra & Productions www.aaronteitelbaumproductions.com aarontproductions@gmail.com | (718) 256-7200 Jeff Wilks Orchestra & DJ (212) 840-5523 Sheer Simcha (646) 522-3581 | sheergroup@gmail.com www.sheersimchamusic.com Most gifted and diverse group of world class interactive DJs, emcees and dancers Weinreb Brothers Band 347-309-2567 | The WeinrebBrothers@gmail.com Make your Bar Mitzvah, Sheva Brachos, Kumzits, camp event….Unforgettable Party Rentals Amazing Amusements www.amazingamusementsonline.com amazingparties@aol.com (866) PARTY-11 Party rentals and entertainment for all occasions Photography/Videography Hello Video and Photo Studio www.hellovideo.com | (718) 494-2998 Simcha Connections www.simchaconnections.com | (973) 249-9905 The Visual Image www.visualimageny.com | (201) 836-1000 362 Cedar Lane, Suite 6, Teaneck Simcha Packages Avenue Event Space 1382 Queen Anne Rd, Teaneck, NJ | 201-688-4050 Ask about our bar/bat mitzvah package for $4999 Simcha Connections www.simchaconnections.com | (973) 249-9905 Packages include hall rental, catering, photography, videography, flowers, and much more Venues Avenue Event Space 1382 Queen Anne Rd, Teaneck, NJ | 201-688-4050 Ask about our bar/bat mitzvah package for $4999 Long Beach Hotel www.longbeachhotelny.com (516) 544-4444 405 East Broadway, Long Beach, NY
Pesach Programs Club Kosher www.clubkosher.com | (203) 795-4737 clubkosher@aol.com Destinations by Yossi Zablocki www.destinations613.com | (845) 794-6000 Eden Tours Pesach www.edentourspesach.com info@edentourspesach.com | (305) 731-1338
Grand Getaways www.passovergg.com | (877) 737-2244 Gross and Schechter Families Doubletree by Hilton, Somerset, NJ | (800) 965-1655 sharmelcaterer@aol.com Kosherica www.kosherica.com | (877) 724-5567 Kesher Kosher Tours www.keshertours.com keshertours@verizon.net | (212) 481-3721 Lasko Kosher Tours www.laskogetaways.com | (877) 538-9948 Leisure Time Tours www.leisurett.com | (800) 223-2624 Majestic Retreats www.majesticretreats.com | (718) 969-9100 Passover Getaway Hyatt Regency Orlando www.passovergetaway.com info@passovergetaway.com | (718) 508-4440 Pesach Time Tours www.pesachtime.com pesachtime@gmail.com (732) 370-7777 Hudson Valley Resort, Kerhonkson, NY Platinum Travel www.zvilapian.com | (800) 376-1803 The Schechter Family at Marco Polo Beach Resort www.marcopolobeachresort.com/passover marcopolopassover@gmail.com (800) 327-8165 VIP Passover at the Hilton Lake Las Vegas www.vippassover.com sheila@vippassover.com (800) 883-5702 VIP RAM Destinations www.viprampassover.com info@ramdestinations.com(516) 331-4000Real
Estate & Mortgages Mortgages Citibank- David Siegel david.siegel@citi.com | (201) 419-1330 Fairway Independent Mortgage Ken Goffstein www.stoppayingcrazyfees.com kgoffstein@fairwaymc.com | (800) 347-7895 (201) 314-8931 Real Estate Agencies Anhalt Realty (201) 568-3300 240 Grand Ave, Englewood Friedberg Properties & Associates Nicole Idler Office: (201) 894-1234 Mobile: 201-906-9338 www.friedbergproperties.com Links Residential www.linksnj.com Links Residential- Teaneck (201) 992-3600 202 The Plaza, Teaneck Links Residential- Maywood 946 Spring Valley Rd, Maywood NewarkOfficeSpace.com (844) 763-9275 Prominent Properties Sotheby’s Int’l Realty Nanci Echeverri nanciecheverri@gmail.com | O: (908) 654-6666 x130 C: (908) 966-7140 Royal Realty Services www.royalrealtyservice.com (908) 862-8100 Russo Real Estate www.russorealestate.com | (201) 837-8800 The Spear Team www.spearteamrealestate.com | (201) 259-5353 V&N Realty Group www.vera-nechama.com | (201) 692-3700
Retail Appliances & Hardware Sears (201) 244-9160 450 S. Washington Ave, Bergenfield Furniture Goodwood Furniture www.goodwoodpre-lovedfurniture.com (845) 270-4402 1 Alpine Ct, Chestnut Ridge
Gifts On The Table (201) 342-1089 1454 Queen Anne Rd, Teaneck Teaneck General Store www.teaneckgeneralstore.com | (201) 530-5046 502A Cedar Lane, Teaneck
Senior Living Daughters of Miriam www.daughtersofmiriamcenter.org (973) 772-3700 155 Hazel St, Clifton Specializing in nursing, dementia care, subacute care and apartments with supportive services Frisch Audiology WWW.FRISCHAUDIOLOGY.COM 107 W. Tryon Avenue, Teaneck (201) 754-8495
Services Babysitter, Housekeeper, Elder Care Agency We Refer, LLC Gail Hochman stenlady@gmail.com | (201) 791-1230 Car Service & Taxi Blue Skies Car Service Les Weiss (201) 913-3827 GW Taxi www.mybluecab.com | (201) 363-0555 Cleaners 2.50 Cleaners (201) 287-1885 261 Degraw Ave, Teaneck Sterling Cleaners (201) 837-8700 | 1245 Teaneck Rd, Teaneck Legal Rosenblatt Law PC www.rosenblattlegal.com | (551) 444-8100 21 Main Street, Court Plaza South, Hackensack Commercial litigation & criminal defense lawyer Rubin & Dombeck, LLC www.rdlawllc.com | seth@rdlawllc.com (201) 578-1578 141 Ayers Court, Suite 1B, Teaneck The Rothenberg Law Firm, LLP Personal Injury Law Firm Marc Rothenberg & Ross Rothenberg www.injurylawyer.com | (800) 624-8888 One University Plaza Drive, Suite 505, Hackensack 450 7th Ave, 44th Fl, New York Treuhaft & Zakarin, LLP Miriam Zakarin - Ira Treuhaft Maywood, NJ - 525 Palmer Avenue (862)239-5894 New York, NY- 305 Broadway, 9th Floor (212)725-6418 www.treulaw.com Family Law/Divorce Law - Civil Litigation Laundromat & Dry Cleaning Splash Laundry 1351 Queen Anne Rd, Teaneck | 201-837-9700 Life Coach Heidi Fuchs fuchs.heidi@gmail.com | (201) 914-5551 Generation Y/Millenial Generation Specialist Movers Movers 201 inc. www.movers201.com | (201) 807-0800 Bergen and Hudson Co. Top Moving Company Pediatric Homecare Star Pediatric Homecare 310 Cedar Lane, 3rd Floor, Teaneck 201-836-0500 The Padded Wagon www.paddedwagon.com | (973) 335-5055 Resume Development Heidi Fuchs fuchs.heidi@gmail.com | (201) 914-5551 25 years experience in Resume Development & Interview and Social Skills Mentoring Security & Monitoring Systems Televideo Solutions Sam Mandel Office: 908-629-9516 / Cell: 347-254-5142 sam@televideosolutions.com Tutors Gold’s Math & SAT Prep satmaven1@aol.com | 201-794-8295
Mathnasium 1374 Queen Anne Rd, Teaneck | (201) 591-1076 Utilizing the time-tested proprietary Mathnasium Method™ to help students catch up, keep up, or get ahead in math.
Paul Gruber- Math Tutor www.fromalgebratocalculus.com p_gruber@yahoo.com | (908) 764-2986 Tutoring all levels of Mathematics, including Advanced Placement Calculus.Over 25 years experience.References upon request
Mark Herschlag is the founder and CEO of Cosmo Insurance Agency, which is based in Ocean County. Cosmo Insurance Agency offers personalized solutions for individuals and businesses looking to obtain health, life, dental, long term care or disability insurance. For more information or for a free, no-obligation quote, please call 201-817-1388 or email info@cosmoins.com.
Travel Cell Phone Rental NES Mobile www.nesmobile.com sales@nesmobile.com | (201) 464-2180 Car Rental- Israel Eldan www.eldan.co.il/en (800) 938-5000 Hotels - Canada Quality Hotel The Only Kosher Hotel in Montreal Affordable Elegance in the Heart of the Jewish Community 514-739-3800 | www.qualityhotelmidtwon.com Hotels- Israel Inbal Jerusalem Hotel www.inbalhotel.com (877) 443-7443 Tours- Israel The Hebron Fund www.hebronfund.org | (718) 677-6886 Travel Agencies Get Peyd www.getpeyd.com | (646) 801-7393 Main Street Travel www.mainstreettravel.net | (845) 425-2123 Travel Programs Destinations by Yossi Zablocki www.destinations613.com | (845) 794-6000 Eretz Israel Movement www.israelmovement.com | (212) 684-7370 Kesher Kosher Tours www.keshertours.com | keshertours@verizon.net (212) 481-3721 Kosherica www.kosherica.com | (877) 724-5567 Lasko Kosher Tours www.laskogetaways.com | (877) 538-9948 Leisure Time Tours www.leisurett.com | (800) 223-2624 Platinum Travel www.zvilapian.com | (800) 376-1803
Miscellaneous Cemetery- Israel Eretz HaChaim www.eretzhachaim.org info@eretzhachaim.org | (718) 437-2200 In the Jerusalem hills Credit Card Miles Get Peyd www.getpeyd.com | (646) 801-7393 Culinary School The Center for Kosher Culinary Arts www.kosherculinaryarts.com info@kosherculinaryarts.com | (718) 758-1339 Publisher Koren Publishers www.korenpub.com | (203) 830-8508 Sofer Rabbi Teicher Sofer (201) 836-8376 | 742 Chestnut Ave, Teaneck Rabbi Rephael Hirsch SoferofBergenCounty@gmail.com 530-SOFERBC (530-763-3722) 3-33 31st Street, Fair Lawn
Gila C. Guzman JD CINHC is a certified integrative nutrition health coach who helps individuals find freedom from diets and chronic health conditions through the power of real food. To set up a free breakthrough coaching session call 917-647-1788 or be in touch through her website at www.mainassethealth.com. Do you have a health related question you’d like answered by Coach Gila, send your questions to mainasethealth@gmail.com
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