Meadowlands USA - March 2018

2018 Connecting New Jersey Businesses

Atlantic Stewardship Bank: Living Up To The Name

Giving Back To The Community & Providing Full Service Banking Solutions

Accounting Advisory: Avoid Common Mistakes & Save Money Banking Trends for 2018 Cyber Security: Protect Your Business

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WE SAVE WATER

OUR MEMBERS PREVENT SPILLS AND BRING CLEAN WATER TO YOUR TAP

Our members share concerns for conservation.

It bothers us that up to 130 million gallons of New Jersey’s drinking water are wasted every day due to aging underground pipes.

WE PROMOTE CONSERVATION. Local 825 Operating Engineers are trained to install water infrastructure efficiently and without impacting the environment. In New York, we are part of a team that will save 138 million gallons of drinking water every day, delivering clean water to millions of homes throughout the region.

We believe in conservation and renewal that will only come with a commitment to infrastructure upgrades, before a serious or prolonged water shortage forces us to act.

ON TIME. ON BUDGET. ON TARGET. Developers and contractors turn to Local 825 Operating Engineers to get big things done safely, on time and on budget. Our members are experienced, licensed, credentialed and ready to work, day one.

International Union of Operating Engineers

LOCAL 825

Greg Lalevee, Business Manager

BETTER BUILDING BEGINS HERE WWW.IUOE825.ORG

contents

Connecting New Jersey Businesses

L EADERSHIP C OUNCIL Allstate BCB Community Bank Bergen Community College Bergen Engineering/Branca Properties Boiling Springs Savings Bank Bruinooge & Associates Comfort Guard Contracting LLC Edison Properties Ernst & Young, LLP Eastwick Colleges Forsgate Industrial Partners FORT Group Goya Foods Hackensack University Medical Center Hartz Mountain Industries Horizon Blue Cross Blue Shield of NJ-NYC In Thyme Catered Events J. Fletcher Creamer & Son, Inc. Kearny Bank Lakeland Bank Langan Engineering MassMutual New Jersey-NYC Meadowlink Commuter Services MetroMultiMedia MWW Group NAI James E. Hanson, Inc. New York Jets NJ Sharing Network NJM Insurance Group NJSEA Onyx Equities, LLC Personal Touch Experience PSE&G Russo Development Scarinci Hollenbeck Skanska USA TD Bank Suez Water New Jersey Inc. Verizon Wacoal America

Publisher: Meadowlands Publishing, a division of the Meadowlands Regional Chamber 201 Route 17 North Rutherford, NJ 07070 (201) 939-0707 Director of Communications & Publications: Joe Garavente Email submissions: jgaravente@meadowlands.org

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Meadowlands Business Report Harmon Meadow Retail, Restaurants & Hotels Directory Meadowlands Restaurants & Dining Meadowlands Transportation Event Planning & Catering Services Explore the Meadowlands Stay in the Meadowlands Destination Meadowlands

DEPARTMENTS

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Business Wise Environmental Update Continuing Education & Business Training Financial Futures Lessons in Leadership Human Resources & Operations Real Estate Investments, Banking & Financing Tech Talk Tourism & Hospitality

Advertising Director: Martha Morley, Greer Enterprises, Inc. (201) 493-7996 Design: Evan Eagleson & Xereina Avila, Eighty6 Printing: A&P Printing Meadowlands USA Magazine Distribution: MTM Resources Copyright 2018. All rights reserved. Reproduction of any artwork, editorial material or copy prepared by Meadowlands Regional Chamber of Commerce and appearing in this publication is strictly prohibited without written consent of the publisher. Additional magazines and reprints of articles are available.

The views expressed in this magazine are those of the submitting authors and do not necessarily represent the views of, and may not be attributed to the Meadowlands Regional Chamber, Meadowlands USA or Meadowlands Publishing.

FEATURES

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Food Industry: Production, manufacturing & distribution

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Meadowlands Leadership Awards 2018

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Atlantic Stewardship Bank: Living up to the name

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Accounting Firms Advisory: Avoid common mistakes & save money

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Tax Change & Reform: Analyzing the important changes from the tax reform

MEADOWLANDS USA

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Business Report From the Desk of Jim Kirkos

President & CEO, Meadowlands Regional Chamber

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his issue marks the third year anniversary of our accompanying blog version of Meadowlands USA (www. meadowlandsusa.com) and I am excited to share that our online readership has increased by 1000% (yes, tenfold!) since we launched back in 2015. We continue to build partnerships with our members and other media groups to reach wider audiences—and we have simultaneously maintained circulation strength of the print publication.

We actually just increased our print circulation by more than 20 percent to accommodate an uptick in direct-mail audience share. We continue to adjust our distribution routes to ensure the magazine is getting into the hands of the area’s most prominent decision-making business executives and owners—both digitally and through print version.

As you already know, much of our editorial is actually contributed by our members who share their knowledge, expertise and talent with our readership. I invite you to contribute business articles you feel can help organizations save money and operate more efficiently. This is an ideal opportunity to demonstrate authority on a subject among a b2b audience of prospective customers. Articles can be contributed through the ‘Submit Content’ button on the blog. Contributors can also request a personal profile to be created, which allows you to log in and submit content yourself. This means that you will have a personal profile page that features your portfolio of work—some contributors are including this portfolio link as part of their social media profiles or signatures.

If you have thought about advertising in our publication to gain visibility for your business in front of our qualified audience, I am excited to announce that we’ve updated our print and digital media kits to include more options. With the tested and confirmed success of our digital blog format, now would be a good time to take a look at the packages we have developed that offer exposure in both print and online—but these opportunities are limited so act now. Please reach out to Director of Communications & Publications Joe Garavente at JGaravente@meadowlands.org if you are interested in learning more.

Throughout the growth we’ve seen over the past three years, our objectives and mission remain the same: We continue to be the publication for business owners and executives who live and work in and around the Greater Meadowlands Region—and we provide our readers with critical business intelligence to help them operate their organizations more effectively and profitably. As a leg of the Meadowlands Regional Chamber, the magazine has economic & community development of the Meadowlands as its core value and key mission. It is the driving force for everything that we do. We seek to be a vehicle for telling our story—and for helping us improve the quality of life and work in the Meadowlands.

Please enjoy this issue of the magazine and I look forward to another successful year of Meadowlands USA both in print and online!

Respectfully,

Jim Kirkos Follow me on twitter: @JimKirkos To stay informed about more activities from the Meadowlands Regional Chamber please visit www.meadowlands.org.

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© 2016 Ernst & Young LLP. All Rights Reserved. ED None.

Serving communities.

Changing lives.

What matters to you matters to us.

At EY, we’re proud to support The Meadowlands Regional Chamber of Commerce. It’s one of the ways we’re helping to make our community a better place to work and live. A better and brighter future starts with all of us.

Visit ey.com

BUSINESS WISE

Cyber Security For Small Businesses Vigilantly protect your small business assets

M

ost small business owners could not imagine their business assets being the target of a cyberattack.

The alarming truth is they have become highly valued targets in this cyberwar. In the midst of an economic recovery led

by Small and Medium-sized Businesses (SMBs), these companies need to protect their corporate assets as diligently as large corporations do.

As many news contributors and politicians have said, “We are going to rebuild the economy on the backs of small businesses.” This reality has positioned SMBs as highly attractive targets to hackers wanting to disrupt our economic recovery.

The threat of cybercrime is evergrowing. As of 2016 cybercrime damage has reached $3 trillion annually, which is greater than the profitability of the combined world-wide drug trade. A cyberattack can be devastating, wreaking financial havoc and causing damage to reputation and loss of clients.

The reality of cybercrime Historically, large businesses have been the principal targets of cybercrime, due to the large amount of “loot” (intellectual property, money, client information, etc.) that is available for the taking.

However, SMBs are now becoming more enticing targets as larger corporations are strengthening their defenses and investing in cybercrime mitigations.

More often than not, cyber criminals are simply trying to find the easiest, most vulnerable targets to attack. SMBs typically hold the same type of sensitive information as large businesses but do not safeguard the information as vigorously as large companies do. SMBs have become more susceptible targets because they often lack the technical resources and expertise to maintain strong security defenses.

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Total cost of recovery While monetary losses are typically the main concern with cyberattacks, there are several other intangible factors at stake, including loss of reputation, risk of liability, and more.

Larger companies with significant financial reserves and ready access to legal support can typically weather a severe attack. However, an alarming 60 percent of SMBs go out of business after a cyberattack. For small and large businesses alike the cost of prevention is significantly lower than the cost of recovery.

Here are other alarming statistics: • 43 percent of cyberattacks target

MARCH 2018

small business • 14 percent of SMBs rate their ability to mitigate cyber risks, vulnerabilities, and attacks as highly effective • 48 percent of data security breaches are caused by acts of malicious intent • 75 percent of small businesses have no cyber risk insurance It is overwhelmingly clear that becoming cyber-threat aware as an SMB is critical for survival in today’s economy.

Solution statement The ever-evolving threat of cyberattacks

calls for proactive threat management.

The landscape of cybercrime is constantly changing and ongoing vigilance is absolutely critical. SMBs should no longer expect that their IT teams alone are equipped to handle these threats.

The prevention of cybercrime requires the effort of all employees, from the administrative assistants to the CEOs. Defining and enforcing a companywide security policy is key to a unified cybercrime defense.

To address the problem of cyberattacks, consider the following steps for a more stable and secure infrastructure—and a more peaceful night’s sleep: 1. Start with a cyber security current state assessment. You need to understand where the vulnerabilities are to start the lockdown process.

2. Create a ‘desired state’ definition for cyber security in your organization so that you know where you need to go. Steve Covey was famous for promoting “Begin with the End in Mind.”

3. Document a remediation plan to protect your vital assets, close the gaps and lock the attackers out.

4. Have a formal cyber security policy so your entire company knows what the expectations are, including strong passwords, remote access, and an intrusion response plan.

5. Conduct a yearly or semi-yearly audit & penetration test. Threats change so we must be able to respond and validate the soundness of our defenses regularly.

6. Work with reputable cyber security professionals who can provide references and who have a proven track record with SMBs. Mike Battistella is the President of Solutions3 LLC, an IT Management Company focusing on cyber security management, network & systems management, IT service management, critical notification management and technical & soft skill training.

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ENVIRONMENTAL UPDATE

Switching to Solar

7 facts you need to know before making the switch to solar

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ou like the idea of switching your business over to solar energy. You also probably have heard that solar will be great for your bottom line, not to mention the environment.

Your company might have a sustainability committee or executive devoted to exploring renewable energy. But that could be where it all stops. Read on to get a stronger grip on what you should know before taking the plunge into solar energy. This way you’ll be able to make a better educated decision on whether your businesses can actually benefit by making the transition.

The Solar Energies Industry Association (SEIA) reports that in the last decade, solar has experienced an average annual growth rate of 68 percent. Largely this is due to the dropping cost of solar panels and installation along with the government’s passage of the Solar Investment Tax Credit. Residential and commercial solar installations are expected to double from 1 million in 2016 to 2 million in 2018. Non-residential solar installation is on the rise, with community solar taking a leading role.

Fortune 500 companies, including Apple, Walmart and Amazon, have also been in the news for embracing clean technology for their buildings. New Jersey can boast that it’s 5th in the nation when it comes to solar installation.

Here are seven important things to know before making that first call to a solar company: 1) There is no disruption to your business during or after the transition to renewable energy such as solar. You are connected to the grid at all times.

2) Installing solar panels can increase the value of your business and/or building.

3) New Jersey’s payback period for solar is within 3-4 years of installation. You’ll be able to cover almost 100 percent of the solar system cost by Federal and State incentive programs. This includes Federal Investment Tax Credits (ITC), an accelerated deprecation program and the New Jersey incentive of Solar Renewable Energy Certificates (SREC).

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4) The price of a solar energy system can vary dramatically (up to a 100 percent difference) based on the area, equipment used, quality of the installation company, etc. It’s best to get quotes from multiple vendors before moving forward.

5) You don’t need to go out of pocket. Solar companies offer financing solutions— such as a lease—that allow your solar savings and incentives to fund the project.

6) Solar equipment comes with a 25-year warranty and maintenance contracts so that you never have to worry about a broken panel.

7) You are tapping into an unlimited and clean energy source, which is good for our planet and for future generations.

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With the right partner guiding you through what can be a complicated process and with multiple partners plying their services and wares, solar can be an incredibly lucrative option, not only for your business but for our environment. When you’re ready to take the next step, call a broker like SolarKal who can help guide you through the process and is agnostic when it comes to installation options and partners.

By Yaniv Kalish. SolarKal, a solar advisor, was recognized as one of the Top 100 Energy Startups. They were also announced as a winner in New York State’s 76 West Clean Energy Competition. They help New Jersey companies navigate the transition to solar, from the first site visit to the final installation.

Visit SolarKal.com for more information.

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Industry Sector Focus: Food

Food Industry

Production, manufacturing & distribution

Goya opened its new state-of-the-art corporate headquarters in the Meadowlands industrial area of Jersey City as part of a $250 million investment—and maintained its Secaucus location (previous headquarters) as a distribution hub for the company’s supply chain.

With the country’s highest concentration of scientists and engineers being here in New Jersey, the Meadowlands is a prime place for businesses in the food flavoring and ingredients industry—and we have many such organizations located here.

D

uring the Colonial Period, New Jersey was called the breadbasket colony—an homage to the abundant crops and agriculture it provided. This status continues today in the form of food distribution, production and manufacturing, with the Meadowlands being a central hub for this critical industry. Goya Foods, the largest Hispanic food company in the United States, has been a key player of the Meadowlands’ business community since 1974. In 2015, Goya opened its new state-of-the-art corporate headquarters in the Meadowlands industrial area of Jersey City as part of a $250 million investment—and maintained its Secaucus location (previous headquarters) as a distribution hub for the company’s supply chain.

Why do so many food companies choose the Meadowlands to set up shop? Location, infrastructure and workforce.

Very often, the food industry relies on same-day deliveries and the Meadowlands places companies right in the heart of the country’s largest, most densely populated metropolis so they have the access to the plentiful market of stores, markets, suppliers, restaurants, businesses, households, etc.

This means that an organization located here in the Meadowlands is within a few hours of travel to the entire Northeast Megalopolis—stretching from Boston down to Washington D.C.—which contains over 50 million people. The advanced transit infrastructure and proximity to major Ports also postures the region and facilitates the movement needed for high productivity. Another key selling point for many in the food industry is the Meadowlands convenient access to the over 9,000 farms that call New Jersey home. These assets combined are a major competitive advantage for a fast-paced industry that operates and depends on tight turnaround deliveries.

With the country’s highest concentration of scientists and engineers being here in New Jersey, the Meadowlands is a prime place for businesses in the food flavoring and ingredients industry—and we have many such organizations located here.

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An organization with operations here in the Meadowlands is within a few hours of travel to the entire Northeast Megalopolis—stretching from Boston down to Washington D.C.—which contains over 50 million people.

Here are a few of the key food industry organizations that operate here in the Meadowlands: • Allied Beverage Group (Carlstadt) • Bindi North America, Inc. (Kearny) • Bylada Foods (Moonachie) • Caravan Ingredients (East Rutherford) • Coca Cola (Carlstadt) • Damascus Bakery Inc. (Clifton) • Frutarom USA Inc. (North Bergen) • Goya Foods (Jersey City & Secaucus) • Grace Kennedy Foods (Moonachie) • H Mart (Lyndhurst) • La Fe Foods (Moonachie) • Megas Yeeros (Lyndhurst) • Parmalat USA Corporation (Wallington) • Pechter’s Baking Co. (Harrison) • Schar USA (Lyndhurst) • Symrise Inc (Teterboro) • Star Ravioli Manufacturing Co. (Moonachie) • Takasago Corporation USA (Teterboro) • Y International (Lyndhurst) Incentives for Food Industry: • Manufacturing Equipment and Employment Investment Tax Credit: New Jersey food manufacturers may qualify for a tax credit for the acquisition of equipment and/or for the addition of employees due to equipment investment.

• New Jersey Manufacturing Extension Program (NJMEP) offers technical and management solutions to assist food manufacturing companies become more productive, profitable and globally competitive.

• Loans, Loan Guarantees, Bond Financing and More: The New Jersey Economic Development Authority (NJEDA) offers a wide range of programs that provide access to capital to meet the specialized needs of food manufacturing companies, both large and small.

This content originally appeared in the 2018 Economic Development & Relocation Guide. Digital copy is available at www.meadowlandsusa.com and print copies can be ordered by calling (201) 939-0707.

CONTINUING EDUCATION & BUSINESS TRAINING

Launch a Future of Your Dreams

Graduate degree programs from FDU’s Petrocelli College of Continuing Studies

I

magine an affordable, flexible graduate program that works with your busy schedule and is offered by a prestigious University. Look no further than the Master of Administrative Science (MAS) program at Fairleigh Dickinson University (FDU).

FDU—with multiple campuses in Northern New Jersey including convenient locations in Hackensack, Teaneck and Madison—has a popular and successful master’s degree program geared toward public, private and nonprofit leaders. The MAS is one of the many gems offered by Petrocelli College of Continuing Studies School of Administrative Science.

“Petrocelli College is proud to deliver contemporary, affordable degree programs that respond to the most critical needs of the New Jersey economy,” said Dean Lisa Braverman.

Petrocelli College offers the 30-credit MAS, 36-credit Master of Sports Administration (MSA), 36-credit Master of Science in Homeland Security (MSHA), 36-credit Master of Arts in Student Services Administration (MASSA) and a 120-credit Bachelor of Arts in Individualized Studies (BAIS). Sounds great, but what is the process to apply?

First and foremost, each applicant can receive up to a 50 percent tuition scholarship. Each 3-credit graduate course, inclusive of the scholarship, costs $1868. There is no fee to apply and there is a very easy application process. Plus, no GRE or GMAT required. As an FDU graduate student, you may complete the program in 15-18 months part-time. You can also earn your graduate degree faster and save money by transferring up to nine credits—or nearly a third of courses you would need to take—into the MAS program.

Sources of credit can include previous college coursework, licensure and certification programs and professional development courses. More good news, your employer may even reimburse your tuition depending upon your company’s policy.

The MAS program is taught by full-time and adjunct faculty that have advanced degrees as well as practical application in their particular areas of expertise.

“Our faculty is highly qualified and they offer our graduate students not just text book experience, but professional experience,” said Dr. Kate Zatz, Assistant Dean, School of Administrative Science, Petrocelli College of Continuing Studies.

“Students meet individuals from all professional backgrounds and the networking opportunities are endless.”

Students can also choose from a variety of graduate in specializations such as Computer Security and Forensic Administration; Emergency Management Administration; Law and Public Safety Administration; Global Leadership & Administration, Global Security & Terrorism Studies; Intelligence-Led Policing; Human Resources Administration; Non-Profit Organizational Development, and many others. The MAS degree offers more than 115 courses that students can use to craft their degree.

There are at least 25 locations throughout the State of New Jersey to attend classes, and the programs are also offered online.

The general class size is small with an average size of 12 students in

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the in-person classes and less than 25 students in the online classes.

“We are constantly updating our curriculum to be the forefront leader in continuing education studies,” added Dr. Zatz. “Everyday our world changes, and we must change with the times. Years ago, courses were only available in a classroom setting. Now, individuals can earn their degree from the comfort of their own home by attending courses online.”

In person classes are held one night a week for twelve weeks or on five Saturdays. Online coursework is completed in a 10-week term. Registrations are currently being accepted and the next term starts in April.

More than 3,500 participants have graduated from the MAS program in the past five years, making it the largest part-time graduate studies program at FDU. Michael Cardona ‘15, Software Installer & Support Specialist at Integrated Media Management said, “The MAS program prepares you for the workplace. Faculty in the program provided us not only with real world scenarios, but also the opportunity to apply what we know in our current business practices.”

MAS students even have the opportunity to study abroad at Wroxton College, FDU’s campus in England. ‘The Wroxton Experience’ combines a high quality academic program with the opportunity to travel and experience new cultures.

One student shared her Wroxton Experience: “One week I am at the Metropolitan Campus in Teaneck/Hackensack earning credits for the MAS Program, the next week I am in a classroom in rural England, studying in a 17th-century mansion. It was an opportunity of a lifetime and I had to do it.”

For more information and to apply for summer or fall 2018, visit www.fdu.edu/mas.

Founded in 1998, Petrocelli College of Continuing Studies at Fairleigh Dickinson University is a leading institution providing high-quality academic programs to students of all ages — from high school students to adult learners at different stages of their career and learning cycle.

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CONTINUING EDUCATION & BUSINESS TRAINING

Recovery Program Grant To Ramapo College Receives nearly $1 million state grant to fund student recovery program

A

s the region’s premier public liberal arts college, the vision of Ramapo College of New Jersey is to prepare its students to be successful leaders for a changing world.

Now the College can further enhance that commitment by providing a safe and healthy environment for students in recovery.

Earlier this month, the State announced that Ramapo will be receiving a $999,408 grant to provide recovery housing and a comprehensive program for students who are recovering from drug and/ or alcohol use.

Dubbed the “Roadrunner Collegiate Recovery” (RCR) Program, the College will offer a comprehensive program that includes recovery housing for up to 10 residential students and additional resources to help reduce the stigma associated with the disease of addiction on its campus.

“Ramapo College prides itself on its commitment to the development of the individual student and this grant furthers that commitment,” said Dr. Peter. P. Mercer, President of Ramapo College. “With access to a recovery program and recovery housing, our recovering students will find structure, direction and self-awareness while working to maintain a balance between abstinence, academics, and healthy living.”

Providing a comprehensive recovery program with allow students to pursue their education without sacrificing their recovery efforts. RCR will include screening and intervention services, access to confidential psychological and addiction counseling services, and substance-free activities.

Additional support efforts will include programs such as Mentoring, Academic Support Services, Recovery Allies, Crisis management and Relapse Prevention, Seminars and Support groups, among others.

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Offering on-campus recovery initiatives is a growing national trend, as colleges and universities are increasingly concerned with how to help students maintain recovery strategies or prevent them from addiction in the first place. According to the 2015 National Survey on Drug Use and Health conducted by the National Institute on Alcohol Abuse and Alcoholism, 12.5 percent of college students, ages 18–22, reported heavy alcohol use, with 37.9 percent reporting having experienced binge-drinking at one point.

“Our campus has taken considerable steps to advance its safety and prevention programs and this grant is another step in our commitment to student wellness,” said Dr. Judy Green, Director of the College’s Center for Health and Counseling.

“The College is currently in the midst of its NCAA Choices for Change grant, focused on prevention efforts for high-risk students and Last year, Ramapo was designated a stigma-free campus. Being able to offer this recovery program will help to destigmatize students who struggle with substance use disorders.”

Established in 1969, Ramapo College offers bachelor’s degrees in the arts, business, humanities, social sciences and the sciences, as well as in professional studies, which include business, education, nursing and social work. In addition, the College offers courses leading to teacher certification at the elementary and secondary levels, and offers graduate programs leading to degrees in Accounting, Business Administration, Educational Technology, Educational Leadership, Nursing, Social Work and Special Education. For more information on Ramapo College of New Jersey, visit www.ramapo.edu.

Graduate Programs at Ramapo College

YOUR FUTURE MATTERS Ramapo College offers part-time graduate degree programs designed to prepare you for the next step in your career.

Ramapo’s graduate programs combine classroom and online classes to allow students to balance their lives and their education.

Discover how we prepare our students for a lifetime of success.

We offer graduate degrees in: • New: Master of Science in Accounting • Master of Arts in Educational Leadership • Master of Arts in Special Education • Master of Science in Educational Technology • MBA, Master of Business Administration • MSN, Master of Science in Nursing with tracks in Nursing Education, New: Nursing Administration, and New: Family Nurse Practitioner • MSW, Master of Social Work

LEARN MORE AT:

ramapo.edu/graduate

or 201-684-7300

505 Ramapo Valley Road, Mahwah, NJ

GRADUATE OPEN HOUSE: MARCH 21 Ramapo College graduate students work closely with faculty and collaborate with their classmates.

ramapo.edu/GradMarch

4th Annual Cyber Security and Big Data Analytics Symposium: New Strategies for Encryption as Protection Against Data Breaches

April 6, 2018 • 1600 Valley Road, Wayne, NJ As a business leader, you need a plan to eliminate potential cyber security threats before they happen.

Benefit from the expertise of industry leaders in healthcare, logistics, telecommunications, technology, education, and finance.

For more information or to register: WPUNJ.EDU/CPE • 973.720.2354

Meadowlands Leadership Awards 2018

T

he Meadowlands Regional Chamber (MRC) will honor several area business leaders for their commitment and dedication to our business community on Thursday, April 12 at the 2018 Annual Leadership Awards Breakfast.

Every year the MRC recognizes individuals who have been especially active and integral in advancing the Chamber’s mission of stimulating economic development and improving the greater community. The award is named after the late Arline Simpson Seidman, a former chairwoman of the Chamber whose leadership spanned a 25 year period. Below are this year’s recipients of the 2018 Arline Simpson Leadership Award: Angela Daidone, Ramapo College of New Jersey Don Dazzo, HumanEdge Barbara Feit, AVE Marcelo Galarza, M Awards Plus, LLC Peter Moeller, Scarinci Hollenbeck, LLC Kyle Winslow, WSP Inc.

CEO Jim Kirkos. “By recognizing these individuals with this award, we show our appreciation and gratitude to those who step up and lead our many initiatives. The Chamber is successful because of these dedicated business associates. “ Frank Vuono, co-founder and partner at 16W Marketing, will be the keynote speaker. A leader in the sports marketing industry, Vuono has helped to shape the marketing standard in professional sports and enter­tainment. Having consulted for more than half of the teams in the NFL, Vuono has negotiated record-breaking partnerships in naming rights, sponsorship, licensing, merchandising and ticket and suite sales.

The event will be on Thursday, April 12 from 8:30 – 11 a.m. at The Graycliff in Moonachie.

A Meadowlands Lifetime Achievement Award will be presented to Diana E. Fainberg, owner of Diana E. Fainberg Associates, LLC and also previously served as Chairwoman of the Chamber’s Board of Advisors.

“I am honored to lead a business service organization where so many are willing to dedicate precious time to helping other members and advancing our mission,” states MRC President &

Frank Vuono, co-founder and partner at 16W Marketing, will be the keynote speaker.

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Person to Person Business Financing Don’t be shuffled from department to department. At Kearny Bank, a dedicated loan officer will handle all your financing needs, all your questions, and speed-up the approval process.

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“Growing up in Venezuela until the age of 18, I never thought I would eventually be in New Jersey, giving the valedictorian speech before earning a degree in engineering from Bergen.

Although I am an individual, I represent all students.”

– Maria De Abreu Pineda, Class of 2014 Valedictorian

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FINANCIAL FUTURES

Present & Not At Work

Presenteeism is a newly recognized cause of lack of productivity

“R

esearchers say that presenteeism—the problem of workers’ being on the job but, because of illness or other medical conditions, not fully functioning—can cut individual productivity by one-third or more. In fact, presenteeism appears to be a much costlier problem than its productivity-reducing counterpart, absenteeism.

And, unlike absenteeism, presenteeism isn’t always apparent: You know when someone doesn’t show up for work, but you often can’t tell when—or how much— illness or a medical condition is hindering someone’s performance,” Paul Hemp reported in the Harvard Business Review.

Worker performance can be affected by many things; lack of sleep, chronic health conditions not severe enough to warrant staying home, psychological challenges, etc. This is different than an employee who is malingering or goofing off on the job to avoid work. These are employees who want to work but their circumstances are preventing them from performing at the optimal level. Some behaviors that are noticeable, according to the Virgin Pulse Institute, are: • Trouble concentrating • Lack of attention of easily distracted • Their engagement with their job may decrease and they may become disinterested in what they’re doing and seem unconcerned about outcomes (i.e. less competitive) • Their performance may deteriorate.

They may: o Arrive late or leave early o Have more accidents or altercations with colleagues o Begin falling asleep at work o Become unproductive Among the causes for these issues is one most employees never expected to have to handle. That is caring for an elderly parent. Caregiving is one of the top three stressors in life. 70 percent of care-

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givers have work related difficulties such as arriving late, leaving early, cutting back on hours or even stopping working entirely. This is costing businesses an estimated $33.6 billion per year in presenteeism, higher health insurance costs and eventually the loss of talent, reports Torch Light.

This is why employers are beginning to look at long term care insurance and eldercare services in a new light.

Long term care insurance is now being considered a valuable option for rank and file employees and executives.

Worksite programs offer discounts and simplified underwriting if there are a minimum number of policies purchased (usually around 10) and the discounts are extended to spouses and parents. There are also programs designed for executives so that long term care insurance can be part of an executive bonus plan, supplement a deferred compensation agreement. What is a significant feature of these programs is the employee education. It is unfortunate, but unless someone has had experience with a family member or friend needing this type of care, most people are ignorant of the need for it and what it involves.

The employee, usually at a time in life when they are saving for their children’s education and their own retirement,

MARCH 2018

is now faced with this new challenge of helping Mom or Dad (or both) with their long-term care needs. Whether it is hands-on caregiving or long distance, it means taking on a whole new set of problems never anticipated. Their lives are disrupted emotionally, financially and the stress begins to pile on. They could be an employee who was enthusiastic about his work, but because of this situation is now too distracted to make work the priority it once was.

Wouldn’t it be nice if his employer had offered long term care insurance and Mom or Dad was covered and all the employee had to do was file a claim after checking with HR for a recommendation for a Home Health Agency? It could work this way at very little cost to the employer.

All you have to do is pick up the phone and call.

Patti Goldfarb, Certified Senior Advisor has specialized in long term care insurance since 1988. She has crafted solutions for individuals, businesses and nonprofits. She speaks and writes about this topic regularly. She can be reached at (201) 2556239 or pgoldfarb@ebagroup.net

LESSONS IN LEADERSHIP

Micromanaging Never Works

How to see new opportunities on the horizon & avoid getting caught up with minutia

T

here is a fine line between a leader, manager or supervisor paying attention to important details and micromanaging an operation to the point where they drive their people crazy.

I know countless people in the workplace who engage in micromanaging. No job or responsibility is too small for them.

It’s not enough to assign a project to a particular staff person; they have to know where that person is on the project every step of the way. Micromanagers second guess and hover over your shoulder. They are so caught up with the minutia of their operation that they don’t have the time or the ability to see the bigger picture as well as new opportunities on the horizon.

To be fair, I can understand why people micromanage. Fact is, I have been guilty of it in certain situations. A lot of that comes from the combination of our own insecurity, a lack of trust in others’ ability and an unhealthy desire to control everything that goes on around us. With that in mind, consider the following: • If you have a leader who micromanages, the first step in dealing with the problem is to get him to acknowledge what he is doing and the negative impact it has on others. The old adage, “if you want a job done right, you have to do it yourself” doesn’t work when you are part of a larger team that’s supposed to be supporting each other and working together.

• If you find that you are the one micromanaging others, accept the fact that you can’t do it all yourself. Further, you should not it all yourself. Imagine being on a basketball team in which one player dribbled the ball up court, took the shot, followed up his own rebound, shot again, never passed to anyone else and then gave himself his

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own high-five.What fun would that be? Even if the team won occasionally, over the long haul, failure is guaranteed.

• In the world of business, if one person, regardless of how smart or talented he or she is, refuses to delegate and share responsibility and authority, other team players will begin to lose interest and stop making a meaningful contribution. My advice to micromanagers is to delegate a little bit at a time. Ask yourself what assignment or project could be handled by someone else, thereby allowing you to do something that only you could do. There are simply too many tasks that need to be accomplished for you to do them all.

• Avoid the blame game. I know from personal experience, every time I engage in finger pointing and blaming my employees (because secretly I’m thinking I could have done the job better), only bad things happen. Accept the fact that occasionally, things won’t MARCH 2018

go exactly as planned. No matter how hard you try, or how many hours you work, no leader, manager, or supervisor can control everything that goes on around him or her.

If you are a micromanager, or you are being micromanaged, write to me at SteveAdubato@gmail.com and share your thoughts.

Steve Adubato Ph.D., is an Emmy Award-winning anchor of three television series, “One-on-One with Steve Adubato,” “Caucus: New Jersey with Steve Adubato,” and “State of Affairs with Steve Adubato” airing on PBS stations, Thirteen/WNET, NJTV and WHYY and on cable on FiOS. He has appeared on the Today show, CNN, MSNBC, Fox, AM970, SiriusXM and NPR as a media and political analyst. Steve is the author of numerous books including his latest, “Lessons in Leadership.” Steve also provides executive leadership coaching and seminars for a variety of corporations and organizations both regionally and nationally.

Weekends

SteveAdubato.org

/SteveAdubatoPhD

@SteveAdubato

SteveAdubatoPhD

HUMAN RESOURCES & OPERATIONS

Self-Funding Health Insurance Is your business spending too much on benefits?

E

very business owner cringes when he opens the bill for his company’s health insurance. Each year the cost increases while he decreases the benefits to help rein in expenses. It’s like watching a hamster running in a wheel.

Nothing changes—employers are frustrated, employees are disappointed and costs keep increasing. When will it ever end?

It will end when business owners change the paradigm. How? With a little education: The typical employee health benefit plan is composed of three parts; claims, administration fee and network fees. An actuary estimates claims at the beginning of the plan year and builds them into a policy whether they are incurred or not during the year. The business pays for them and the accompanying administration.

Depending on the state you are in, if your business has at least five fairly healthy employees there is a better way to design your health insurance program.

Self-funding an employee health benefit plan is a smart long-term health strategy to save money because it can provide an excellent opportunity for employers to achieve immediate savings plus sustainable cost control. It unbundles the three parts of health insurance and most importantly allows for only actual claims to be paid. It also doesn’t have to comply with state mandates—only federal ones.

Traditional self-funding is defined as when an employer pays for their own medical claims directly, while a third-party administrator (TPA) administers the health plan by processing the claims, issuing ID cards, handling customer questions and performing other tasks.

Companies with fewer than 250 employees can self-fund but will typically purchase stop-loss insurance. Stop-loss insurance limits the amount of claims expenses. These programs can be offered bundled together through one carrier or unbundled and purchased separately: TPA, Stop/Loss Insurance and Rented Network.

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The latter gives the employer ability to keep the network but move the insurance if the rate gets too high—or change the administrator is the service doesn’t meet quality standards While self-insured employee health plans were traditionally deemed a large company benefit, in the last few years several carriers have packaged programs designed for small employers with as few as five employees. Small employee programs make it easy for these companies by keeping premiums level and offering end of the year refunds if premiums paid included more claims than were incurred.

There is also a feature to pay for runout claims when the plan is terminated. Typical savings in the first year can be as high as 20 percent and renewals are often more competitive than ACA plans.

Some of the advantages of self-funding are: • Paying for actual claims instead of estimated claims • Complying with only federal mandates • Stop/Loss Insurance to protect from

MARCH 2018

large claims • Same plan across states • Claims information showing where claims are from Smaller employers have been reluctant to self-fund their health benefits due to the misperception that self-funding only works for large companies—though this is no longer true when considering the stoploss insurance and innovative self-funding options that are available today.

The many advantages of a self-funded health plan—while recognizing key differences from a fully insured health plan—can make this option a smart longterm strategy for clients looking to save money on their employee health plan.

Patti Goldfarb has been specializing in employee benefits for over 20 years.

She is the founder of the New York State Association of Health Underwriters and has been on CNBC, quoted in Forbes, Kiplinger’s and MUSA. She can be contacted at pgoldfarb@ebagroup.net

“I’ve never had a client that has had anything but praise for ASB and its personalized

process.” – Lisa G., ASB Customer, Realtor

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Atlantic Stewardship Bank: Living Up To The Name Giving back to the community & providing full-service banking solutions

T

he principles of stewardship have its origins in biblical writings, which define the concept as comprising four basic fundamentals: ownership, responsibility, accountability and reward. Today, stewardship also refers to how companies develop a “best practices” model of doing business while maintaining those same basic tenets.

With that in mind, it’s easy to see that Atlantic Stewardship Bank is living up to its name.

Established in 1985, ASB is a full-service bank serving both businesses and individual customers. Today it operates through 12 conveniently located offices in Hawthorne, Midland Park, Montville, Morristown, North Haledon, Pequannock, Ridgewood, Waldwick, Wayne (2 locations), Westwood and Wyckoff. Headquartered in Midland Park, ASB’s President and CEO Paul Van Ostenbridge has been with ASB since day one.

“Our main focus from the beginning was to open a bank that provided quality financial service,” said Van Ostenbridge. “But we made a conscious decision to give back to the community, as well.”

Unique from the rest What really sets ASB apart from other banks is its commitment to tithing, or sharing, 10 percent of its taxable income annually with nonprofit, educational, charitable and/or evangelical religious organizations.

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“Tithing was part of our original bylaws,” said Van Ostenbridge.

“Our founders said, ‘Let’s incorporate the tithing concept so we can truly help individuals flourish.’ Even when banks were riding in rough waters during the financial crisis of 2008, we remained committed to this practice. It’s our mission.”

Van Ostenbridge explained that requests are received throughout the year and are reviewed by the Board of Directors that meets annually during the first quarter. The board considers the requests

All Week Plumbing is in Garfield and is a client of Bank Card Systems.

Pictured here is the owner Ozzie Aburoumi (right) with members of his staff.

Diane Kerner, Administration Officer; Rahbar Ameri, Senior Vice President/SBA Director; Paul Van Ostenbridge, President and CEO of Atlantic Stewardship Bank; James H. Shields, Senior Vice President/Chief Credit Officer; William S. Clement, Executive Vice President/Chief Lending Officer; Sarah N. Ferrington, Vice President/Marketing Manager

and also brings knowledge to the table about new opportunities that may have arisen on behalf of local organizations.

Recipients are categorized in three groups: missions, including local and international programs that provide food, shelter or career training, as well as organizations that serve underprivileged nations with agricultural, educational, health and spiritual needs; Christian schools, including day care and pre-school programs to grade school and college programs; and health care facilities, such as Christian nursing homes and programs for people with special needs and hospitals.

In addition, ASB offers financial support to libraries, ambulance corps, fire departments and civic organizations that are local to the bank’s branch offices.

“ASB’s motto is ‘Faithful to our customers.’ We live that every day,” Van Ostenbridge added.

To date, ASB has donated more than $9.3 million to civic and local organizations in the region.

Business of banking ASB also prides itself on its commitment to its customers. Last year, the bank extended its lending practice and added a Small Business Administration Department as another lending solution for small businesses.

Senior Vice President/SBA Director Rahbar Ameri said the SBA component was designed for customers who might not meet the traditional lending requirements.

“The benefit of the SBA is to help those customers who are new entrepreneurs, or third generation business owners who are looking to re-invent themselves,” said Ameri. “Perhaps they are looking to purchase real estate for their business and can only afford 10 percent down. There are many scenarios, but our goal is to make it more affordable for those individuals who want to give business a go.”

“Of course, there are parameters to be met,” he said.

“Is the credit history satisfactory? Do they have experience or enough knowledge in whatever business they’re looking to open?

We look carefully at their business plan and make sure they’ve done their homework and are targeting the right customer base. These are good, sound business ingredients,” Ameri said.

ASB works with Small Business Development Centers throughout the state, local economic development offices and SBA industry professional organizations. Ameri’s role as SBA Director is to oversee the entire process from establishing products and policies to cultivating, underwriting and closing loans for business customers.

Ameri added, “ASB also services and lends to veterans who often do not have prior business experience but have varying types of skill sets that make them qualified to become a successful entrepreneur.”

“Everyone should have a chance and we do our best to make it happen for them,” he said.

Not-so-traditional lending solutions “For the last two or three years, the lending environment has been user friendly,” said Executive Vice President/Chief Lending Officer William Clement. “Interest rates have remained low so the ability to repay a loan has been good.”

“However, sometimes the lending process can take time – time that potential borrowers might not always have,” he added.

Senior Vice President/Chief Credit Officer James Shields stated, “ASB has created an Express Loan Approval process that is designed to help small business customers move more quickly into the business of doing business.”

“Express Loan applicants who are looking to borrow $250,000 or less can be approved in a few days and close on the loan within a week,” said Shields. “The process is based on local decision-making, not having to go through an office in another part of the country for approval. By comparison, many of our competitors have customers wait 60 to 90 days for a decision. We want the lending experience to be simple, fast and easy for our customers.”

“Again, this is another way Atlantic Stewardship Bank shows the community we are here to help them,” he added.

Investment in tech ASB offers a full line of e-services for individual and business customers, making banking available 24 hours a day.

“In addition to outstanding personal service, we have invested in technology that makes it easier and convenient for customers to conduct their personal and business banking. We offer everything— all the touching points—that the larger banks offer,” said Van Ostenbridge.

“Customers can choose to use mobile apps, mobile web banking or text banking for ease—along with remote deposit capture as a convenience—in managing their financial needs.”

Service is king While more and more people are opting to do their business on handheld devices, ASB never stops emphasizing its commitment to good old-fashioned personal service.

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“Every bank will tell you that customer service is important, and it is,” said Van Ostenbridge. “But at Atlantic Stewardship Bank, personalized customer service is critically important.” He noted that ASB employs “professional bankers” who have longevity with the company and understand its mission.

“Our bankers are dedicated to the customers. It’s really their strong suit. They understand the community and understand their customers’ needs. It’s what continues to set us apart from the rest.”

Van Ostenbridge related that he still receives letters from new customers who are pleased with the service they received. “It’s rewarding for me but also for all of us,” he said.

BERGEN ENGINEERING CO. Building Contractors – Construction Managers 375 Murray Hill Parkway East Rutherford, NJ 07073 Phone: 201- 438- 4700

Fax: 201- 438-0034

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Statewide recognition The good works of Atlantic Stewardship Bank have not gone unnoticed by the community at large. Last year, ASB was named one of the “Champions of Good Works” by the Commerce and Industry Association of New Jersey and COMMERCE Magazine, which pays tribute each year to the kindness and generosity of the business community.

ASB was recognized for its involvement and support of Paterson Habitat for Humanity, which provides housing to families in dire need. ASB has contributed more than $242,000 to the organization through the bank’s Tithing Program and also donated proceeds from their 2016 Charity Run/Walk to the cause. ASB also underwrites mortgages for the new homeowners.

Being a good steward has been ASB’s mission from the beginning, and one that will remain an integral part of the company.

“It’s ingrained in everything we do,” said Van Ostenbridge.

Paul Van Ostenbridge, President and CEO of Atlantic Stewardship Bank

BRANCA PROPERTIES, INC. Owner – Developer – Manager 375 Murray Hill Parkway East Rutherford, NJ 07073 Phone: 201- 438- 4994

Richard Branca, President Quality Ownership, Management, and Development Since 1975

Corporate Headquarters

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Fax: 201- 935-2850

www.BrancaProperties.com

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REAL ESTATE

New Rental Community in Secaucus

Hartz Mountain Industries introduces The Harper at Harmon Meadow

H

armon Meadow in Secaucus recently took another step towards cementing its status as the region’s premier live, work and play destination with the launch of The Harper at Harmon Meadow, a new luxury rental community rising within this wellknown office, shopping, dining and entertainment complex.

Developed by Hartz Mountain Industries, the new 469-home community features oversized studio, one and two-bedroom apartments, as well as a full suite of resort-inspired indoor and outdoor amenities.

Leasing for The Harper has commenced from an on-site leasing center with fully-furnished model apartments and completed amenities. Homes are

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competitively priced and are available for immediate occupancy.

Designed to provide residents with a vibrant, commuter-friendly lifestyle, The Harper is comprised of three midrise residential buildings ideally situated just off Route 3 and the Turnpike and less than three miles from the Lincoln Tunnel.

“This is one of the most unique locations in the region. It is nestled next to a picturesque nature reserve, yet also offers unparalleled access to a multitude of shops, restaurants, entertainment venues and public transportation,” said Gus Milano, President and COO of Hartz Mountain Industries. “We’re delighted to now introduce a modern residential offering to the mix which will place MARCH 2018

residents in the heart of a lively address that comprises all of the elements desired for an active and convenient lifestyle experience.”

The Harper is tucked into the northeastern corner of the vibrant, 3.5 million square-foot Harmon Meadow complex, which features nearly 30 restaurants, a state-of-the-art movie theatre, an on-site convention center, nine hotels and an abundance of brand name shopping destinations and services. Nightlife destinations in New York City, Hoboken and downtown Jersey City are all nearby.

“Hartz Mountain Industries continues to be an incredible partner in the economic development of Secaucus,” remarked Mayor Gonnelli. “Their commitment to the town’s smart growth has,

in part, helped create one of the region’s most desirable and meaningful mixed-use communities here at Harmon Meadow. The Harper will continue to shape this dynamic retail and residential center by adding high quality, upscale rental homes to a location brimming with activity.”

The Harper at Harmon Meadows offers a more tranquil setting than its more densely-developed urban neighbors like Hoboken and Jersey City, yet the community still provides considerable commuter convenience. The property offers a NJ Transit bus stop right at its doorstep with several buses, including the 320, whisking riders to Port Authority in Manhattan. Complimentary shuttle service to the Secaucus Junction train station with service to Manhattan and throughout New Jersey will be available, while an on-site NJ Transit ticket vending machine will add another level of convenience. The Lincoln Tunnel is just three miles away and The New Jersey Turnpike, Route 3, and Route 1&9 are immediately accessible from Harmon Meadow.

Residences at The Harper feature a bright, open layout, full-size in-home washers and dryers, spa-inspired bathrooms and ultramodern kitchens with granite countertops, center island and stainless-steel Energy Star® appliances.

Select homes offer stunning views of the New York City skyline.

Unwinding at The Harper at Harmon Meadow will be as simple as visiting one of the many amenities dedicated to fitness, relaxation and socialization. A salt-water swimming pool with cabanas and shaded seating imbues a resort-like atmosphere. The community’s on-site yoga studio and spin room will offer virtual fitness classes—and outdoor grills will make cooking alfresco easy and fun. Residents will also have access to a brand new trailside athletic course that combines a walk or jog through the wetlands with 13 fitness stations designed to provide a full-body workout.

Each of the three buildings in the community also includes its own resident lounge and dedicated fitness center.

Enhancing the living experience further will be outdoor social lounges with game tables and fireplaces, a party room, business conference center, cyber café, open-air playground, children’s playroom, indoor theatre, on-site dog park and Wi-Fi throughout all amenity areas.

Covered and outdoor parking, bicycle storage, leasable storage units, package concierge and valet dry cleaning services will also be available.

For more information on the community and to schedule an appointment to tour the model apartments and amenity spaces, visit www.TheHarperApts.com, or call (201) 9748899. The on-site leasing center is located at 100 Park Plaza Drive, Secaucus, NJ 07094.

Headquartered in Secaucus, NJ, Hartz Mountain Industries, Inc. owns and manages one of the largest privately held commercial real estate portfolios in the United States that comprises more than 250 properties totaling more than 41 million square feet in the northern New Jersey/New York area, Atlanta, North Carolina, Maryland, Seattle, Austin and Chicago. For more information, visit Hartz’s website at www.hartzmountain.com.

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Accounting Firms Advisory Avoid common mistakes & save money

A

s for your small or midsize business entails much more than keeping the books for tax purposes. It is an important facet of your business to identify potential waste, fraud and theft—and ultimately will allow your business to grow.

Two local experts weigh in on common accounting mistakes, how to avoid them and save your business some money in the process. Alyssa Lebovic is a partner in Keller and Lebovic, CPAs in Fair Lawn (www.kellerandlebovic.com). Alexander Rosenfeld is the principal with Alexander Rosenfeld CPA, in Maywood (http:// alexrosenfeldcpa.webstarts.com/).

The following accounting mistakes are among the most common for small businesses: 1. Lack of organization In accounting, organization is critical, says Rosenfeld, adding that not keeping adequate records is one of the biggest mistakes. “Business owners as well as individuals should have accurate lists with dates, check numbers, names and amounts of medical expenses, charitable deductions, employee business expenses, etc.,” he says.

That includes keeping receipts for all expenditures, using business credit or debit cards for expenses, keeping the books up-todate and properly logging petty cash expenses. Also, avoid mixing personal and business finances. Get receipts for all business pur-

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chases, even those that seem insignificant.

2. Wearing too many hats Lebovic says sometimes a business owner can be “penny wise and pound foolish.”

“In most cases, the owner of the business is the best salesperson for that business and no one else can explain what the company can do for the customer and show quite the same enthusiasm for what they do. Yet, rather than devoting their time to selling, which typically will get them the best return on the time they invest, I often see business owners trying to save money by wearing too many hats and trying to do everything themselves,” she says.

A typical example, Lebovic explains, is making a delivery instead of paying someone or an outside service to do so.

“Unless they can parlay making that delivery into the opportunity to have an extra discussion with the customer to attain new business, it’s not a good use of their time,” she said.

Neither is doing your own bookkeeping, filing your own payroll taxes, picking up supplies in person, etc.—and most of all: filing your own taxes. One missed deduction or missed opportunity to make an election can easily pay for paying a professional to do your taxes.

3. Not hiring a pro Rosenfeld and Lebovic agree that accounting software, like Quickbooks, has made bookkeeping easier and more convenient for small and midsize businesses. But ease and convenience won’t mean a thing if you don’t have the right person to correctly input your information. The cost of hiring a professional accountant is always a smart business move.

But if you opt to keep bookkeeping in-house, choose wisely.

Quickbooks, for example, is available in desktop or online versions, each of which comes with different bells and whistles in its yearly upgrades.

Lebovic says, “If you own the 2017 version, do you need to run out and purchase the 2018? Unless you are processing your own payroll through QB, you can probably use the version you already have for a few years.” Also, if you do a lot of travel for your business and need to access your records in the field to bill on location, maybe the online version should be your choice. The bottom line is, no matter which software you utilize, make sure whoever is doing your books—including you—has had proper training. Even seemingly insignificant errors can lead to poor fiscal health for your business.

Rosenfeld adds that using a reliable accounting system will cut down on errors that might occur with handwritten records.

Don’t cut corners when it comes to keeping records, he advises.

4. What’s in a name?

Rosenfeld says choosing the correct entity for your business is crucial and can have a serious impact on your business’s financial well-being. For instance, are you an LLC (limited liability company) or LLP (limited liability partnership)? Are you filing as an S Corporation or are you a sole proprietor?

While they share similar qualities, they also have distinct differences that will affect how your business is structured and managed. Most importantly, each comes with its own set of rules and regulations when it comes to accounting.

“People are choosing the wrong entity for their business needs based on what friends are telling them,” Rosenfeld says. “They should first speak to an accountant who will explain the differences and the advantages and disadvantages of each.”

5. Falling behind Yes, it’s easy to get caught up in the everyday aspects of your business, especially if you’re busy (which is the goal, right?). But falling behind on tasks, like paying bills, updating records, managing invoices, maintaining sales tax payments and other bookwork can result in time wasted down the road.

Not only can falling behind result in accounting mistakes that may be difficult to prove later on, but you could be liable for tax penalties or even lose out on big financial opportunities because your books are not current.

Spend a few minutes each day to make sure your records are up-to-date and avoid playing catch-up when it’s easier to make mistakes.

6. Not looking at the big picture Lebovic says smart business owners should be looking at the profitability of each service or type of product offered: “Make sure you not only compare your selling price with the direct costs of selling that service or item, but some of the indirect costs that do increase

with the volume of sales. Before you agree to borrow against that line of credit or home equity loan to finance the upfront cost of something until a client pays you, make sure to factor in those interest costs in your pricing and make sure it makes sense. This is especially true if your customers are hospitals or municipalities or other buyers with notoriously slow payment cycles. If you have to pay enough interest, while waiting to get paid, it can substantially eat into your profits unless you factor it into your costs and pricing.”

The bottom line, Lebovic says, is not every sale is a good sale: “Your goal should not be to sell to anyone willing to buy from you; your goal should be to identify which sales have greater profit margins and focus your time on promoting those sales. It’s okay to have certain items that are loss leaders and bring business in, but you have to recognize those as such and limit the amount of those you pursue with thin or no-profit margins. They only serve a purpose if they get customers to try your product or service and then buy additional items that are more profitable for you.”

7. Not backing up The most expensive cost of all could be the cost of recreating records or services or analysis for your own business or for a customer—necessitated by not backing up regularly.

Rosenfeld and Lebovic agree that every business mantra should be “Backup, backup, backup.”

“Most important of all is keeping that backup away from the computer you’re backing up,” says Lebovic. “Whether you backup to the cloud, or an external hard drive, or key files on a flash drive, take that backup off premises.”

And remember, you’re not only backing up in case your hard drive crashes or you become the victim of a cyberattack. Think low tech physical problems like a pipe bursting, fire or simple theft of a laptop.

“I heard of an architect who was located in a building that was substantially damaged by fire. The majority of the tenants in that building never recovered and went out of business,” Lebovic notes.

“The architect was able to be up and running with very little downtime because he had proper backup and could restore it to a computer in his home office the very next day.”

Bottom line: Be smart. Your business’s financial health will thank you for it.

Angela Daidone is a freelance writer, editor and public relations specialist. She can be reached at adaidone@aol.com.

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MARCH 2018

31

INVESTMENTS, BANKING & FINANCING

Banking Trends 2018

Fintech/AI, regulations & customer experience dominate

T

he current business landscape is becoming increasingly dependent on technology. With advances in AI and accessibility to information customer interaction is faster than ever.

Businesses large and small need to keep up to date and banks are no exception.

There have been many reports on the predicted bank trends for 2018. Some of the most common and important predictions revolve around technology, regulations, and the customer experience.

The need for banks to incorporate financial technology, more commonly known as fintech, was near universally mentioned. Fintech was originally defined as any technology used for financial purposes, but has since evolved to refer to programs that rival traditional banking methods. Fintech software makes banking much faster, offering easy client accessibility from personal devices. They also decrease the time needed to transfer money, especially when converting it to another form of currency. As such, potential bank customers have grown to expect quick service and will turn to alternative methods if banks cannot compete.

Thankfully, there are fintech companies willing to partner with banks and help them improve.

One way to improve is cloud banking. By having all financial services in one place clients and executives alike have quick, portable access to everything they need. Some cloud banking companies, such as nCino, include graphs on financial information with the ability to upload legal documents and immediately communicate with an advisor. Mobile banking alone makes this an option to consider.

Cloud computing is not the only major technological change. Financial staff have started to shift towards using AI in addition to the traditional workforce.

The AI may serve several purposes from handling simple math and transactions to collecting and analyzing data regard32

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ing client trends. Employees will have to learn new skills in order to cooperate with their robotic coworkers but in the end it will help with comfortably integrating AI into the workplace.

Updating cyber security is also a plan worth considering. Cyberattacks have advanced significantly to the point that even major corporations are being hacked. Without proper protection, thousands of dollars in financial improvements could be stolen.

Not every trend relates to computers—there are also potential regulation changes for US banks. The current national administration has started to consider reforming parts of the Dodd-Frank act. In particular, they plan to make the regulation fees tiered based on bank size, allowing smaller banks to have less tight regulation standards. Also up for consideration is removing some of the stricter regulations created in the wake MARCH 2018

of the 2008 stock market crash for small to mid-size banks. These changes combined are predicted to help increase the available income for banks, allowing them to purchase the new technology needed to compete in the market.

Finally, the most important trend of all is to keep customers in mind. A bank needs customers to operate and those customers need to feel appreciated.

Much of the new technology being implemented in the financial industry is to make the process easier to access, easier to navigate and easier to understand. The sales-driven approach to banking is not the effective machine it once was. What matters now is appealing to and communicating with the client.

Rachael Ruszkowski is a student at the Bergen County Technical High School in Teterboro. She serves as a contributing editor for Meadowlands USA.

T.M. Rybak & Associates, P.C.

(201)-460-0473

www.tmrassociates.com Architecture Engineering Planning Interior Design Site Analysis Site Envelope Evaluation

General Construction Project Management Real-Estate Consultant Remediation of Existing Property Management Life Cycle Analysis

DESIGN | BUILD

Boiling Springs Group, Inc.

(201)-460-8339

www.boilingspringsgroup.com

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W e s t

E r i e

A v e n u e

R u t h e r f o r d , N J

0 7 0 7 0

Tax Change & Reform

Analyzing the important changes from the tax reform

T

he recently passed Tax Cuts and Job Act (TJCA) has led to major shifts in how taxation is handled for individuals and businesses alike. Many are still talking about the changes.

However, most discussions focus on only one or two sections of the act. Selecting only a few sections skews the way the bill’s effects come into play. Many sections restrict exemptions and raise taxes—but many more create exceptions and lower taxes.

As such, the best way to understand the Tax Cuts and Job Act is to view the biggest changes all in one place.

The most well-known effect of the recent tax law is the new corporate tax amount. Previously, the amount of income a business had to pay in taxes was between 15 to 39 percent depending on the size of the business. Starting this year, the corporate tax rate is 21 percent regardless of size. At first the corporate tax revision may seem detrimental to smaller corporations who would be losing revenue. But that tax increase is only taking the corporate tax change into account.

The TCJA features additions made with small businesses in mind. Take for instance the creation of the Qualified Business Income exemption. The QBI exemption applies to small businesses such as qualified S corporations, an individual in a partnership or sole proprietorships. Any company that qualifies as one of the above will receive a 20 percent deduction for taxes on qualified 34

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MARCH 2018

business income. This deduction is limited once wages surpass $157,500 for single filers or $315,000 for joint filers. Corporations in the specialized service fields may still receive the deduction. However the amount at which the deduction phases out is lower—$50,000 for single filers or $100,000 for joint filers.

Likewise, Section 179 has received some revisions. Section 179 refers to the deduction that allows certain business equipment and software to be removed from taxation costs to incentivize updating technology. The amount of purchases that can be written if in this manner has doubled, from up to $500,000 in equipment to up to $1 million. For small to medium sized businesses, more technological improvements can be made because of the extra money saved by the tax right off. The deductible starts to phase out once the total amount spent on equipment is above $2.5 million. The phase out rate is one per one, meaning the deductions becomes completely unavailable to corporations spending more than $3.5 million on equipment and software.

The threshold for phase out was also an increase from the year prior, going up by $500,000. Therefore, more corporations can take advantage of the Section 179 deduction.

Businesses that pass the gross receipt threshold test are exempt from certain provisions. Gross receipts are the total amount of revenue earned from all sources without any costs

or provisions being subtracted. Any company that within the past three years of its operation has a gross receipt under $25 million is considered to be below the receipt threshold. For example, deductibles available to a company for this year must be no greater than the combined total of the business interest income, the interest on motor vehicle debt, and 30 percent of the taxable income of the tax payer for that tax year. Those below the gross receipt income do not have this limitation placed on them.

The cash accounting availability was also raised to go alongside the amount of the gross receipt threshold, a stark shift from the previous $5 million. The cash accounting method records revenue only when the cash has been paid. The more standard accrual method is instead based on when the revenue or expense is recognized, regardless of if it’s been physically paid or not.

While hard to manage, cash accounting can be very beneficial for avoiding taxes on money yet to be earned, making it a fair option for small corporations. Now that the threshold has increased, even more businesses can take advantage of the cash accounting method of financing.

On a more general note, certain business property purchased between Sept. 27 2017 and Jan. 1, 2024 will have any damages be 100 percent expensed. The same principle applies to fruit or nut bearing plants planted within that time frame. Starting at 2024, the re-imbursement given for damages will decrease to 80 percent and drop by 20 percent until completely phasing out in 2028. By expensing damages for new plants and equipment, companies of all sizes are encouraged to buy new equipment and stay updated.

Personal accounting has experienced changes, too. The personal exemption, set at $5,400 the year prior, has been removed entire meaning all of one’s income will be considered for taxes.

Meanwhile the medical exemption tax has changed to start applying to medical treatments above 7.5 percent of the person’s adjusted gross income instead of 10 percent. These are far from the only changes to personal taxes, but they are some of the more important shifts when relating to business as well.

In short, there have already been a lot of changes to how taxes are structured and managed. Many of these shifts are tailored to help support economic growth. Now that you know the major changes, the next step is to take advantage of them.

Rachael Ruszkowski is a student at the Bergen County Technical High School in Teterboro. She serves as a contributing editor for Meadowlands USA.

Building sound relationships on a solid foundation.

Weiss Realty represents a broad range of private investors, retailers, property owners, and corporate clients.

As a respected client you are assured more than ever before a level of service and expertise that makes our company synonymous with significant real estate transactions.

250 Moonachie Road, Moonachie, NJ 07074 p: 201.814.1800 f: 201.814.1811 jweiss@jweissrealty.com www.jweissrealty.com

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35

TECH TALK

Not Just for Super Spies Anymore Two-factor authentication protects your business data

T

here’s something so romantic about a secret that even the most staunch Type A business owner may occasionally be tempted to fantasy when issues like data security erupt. Biometrics, like iris scanning or facial recognition, are popular tools to safeguard the most profound mysteries in the world of high stakes cinema counterintelligence. But, as they say, real life is often far more interesting than fiction.

Although movie secrets are protected with overly-intricate, cutting edge locks, your business data can have security just as tight without all the invisible lasers and pressure-sensitive platforms.

The next step in security: two-factor authentication You’ve probably heard the term “two-factor authentication.” Maybe one of your cloud-based software providers has even suggested you enable it on your account.

But besides being an extra step (and potential hassle), what’s it all about?

Multi-factor authentication, under the umbrella which two-factor authentication falls, is a way of verifying and—then verifying again—that the person accessing a particular bit of data or piece of software is, in fact, an authorized user. This helps to protect that really sensitive data—like customer information that could be used for identity theft—from hackers and bored teenagers who might be trying to get into your credit card transaction databases or payroll accounts.

With two-factor authentication enabled, anyone accessing protected information is presented with two challenges. Much like having to provide multiple forms of identification to open a bank account, this makes it harder for nefarious types to take what they want and leave you with fires to put out.

It works something like this: one of three challenges is issued, either involving 1) something you know (like a password or PIN), 2) something you have (often a mobile phone) or 3) something you are (this is where the movie-inspired spy-gadgetry

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biometric sensors come in!).

When you pass the first challenge, you’re automatically prompted with the second one, which you’ll also have to pass to proceed. Common configurations include a password, then a PIN that’s sent to your mobile phone or a pre-selected symbol drawn on a mobile phone followed by a fingerprint scan from a mobile phone scanner.

If you think that your data is at a particularly high risk, you may be able to enable multi-factor authentication on your accounts. It works the same as two-factor authentication—except there will be a third test for users. At some point the tests will become tedious for the people who really need to use that information. Combining heavier encryption with a two-factor authentication system may yield better results with much less frustration.

MARCH 2018

Dispelling the biggest myth about data security You’ll never meet anyone who says they have too much data security. Instead, you’ll meet Bob, the middle-aged guy who runs the bakery down the road. Bob got hacked last week. His customer data was stolen, his computers locked down, all his records trashed. Bob’s going to lose the bakery because a hacker was able to waltz in to his barely secured system and swipe everything.

Oh, you say, poor Bob must be one of those really unlucky fellas that life likes to kick in the pants now and again. Unfortunately, Bob is one of many. According to research from our friends at UPS Capital, 55 percent of small businesses have experienced data breaches in the last year. But that’s not really the most terrifying part. Of those breached, 60 percent failed within six

months of their cyberattack—just like Bob did.

Had Bob, or any of these other small to medium sized businesses, employed a two-factor authentication system with a little data encryption on the side, the smell of cinnamon rolls would still be wafting down Pecan Street. Sadly, they fell for the biggest myth in data security: SMBs don’t have data worth protecting.

Verizon tells us that just shy of two-thirds of last year’s data breach victims were companies just like Bob’s with under 1,000 employees. You may not think you have anything to steal, but that makes you a perfect target. Your defenses are down and the front door’s practically unlocked. It’s not all doom and gloom though.

Starting right now, today, you can improve your business data security dramatically with simple tools like two-factor authentication.

Staying one step ahead of cyber espionage Even if you’re not holding top level security secrets in your business databases, what you are holding is probably pretty important to your day-to-day functioning. Like Bob, you can’t afford to start from scratch or even notify all your customers were there to be a data breach. Instead of facing that potential future, take a turn toward security and implement these simple methods of better securing your data and protecting yourself if there is a breach: Choose a cloud service with two-factor authentication. Google and Amazon both offer some kind of multi-factor authentication, depending on the needs of your business.

Renting space on cloud servers like these can provide you with the best of both worlds. You no longer have to maintain the physical hardware involved in a server room, or physical-

ly secure the data, and for a small monthly fee your systems are maintained and updated by IT professionals who can help you protect yourself better.

Don’t store what you don’t need. We’re all closet digital hoarders but when it comes to business information, the more you have the more you have that can come back to get you. If you don’t need to store credit card numbers, make sure they disappear from your systems after they’ve processed. If you can maintain a customer database with only minimal data, do so. Streamline the information you maintain to minimize damage in case of a breach.

Consider data breach insurance. Insurance companies are now offering data breach insurance just for these situations. Rates vary based on your industry, the types of data you’re protecting and how secure your systems are. But it’s an option to help keep the fallout to a minimum if there is an incident.

Running an SMB may not be as full of intrigue as being a movie spy, but it’s certainly got enough secrets. By properly employing two-factor authentication and taking other practical steps to protect your company, you’ll become the one unbreakable vault in a world of unlocked doors.

Jason M. Hanrahan is the owner of Contrast Logic (www.contrastlogic.com) in Lyndhurst and a member of the Meadowlands Regional Chamber’s Technology Committee. He can be reached at (973) 698-8759 or jason.hanrahan@contrastlogic.com.

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37

TOURISM & HOSPITALITY

Donate Life Transplant Games

Meadowlands region wins bid to host sports festival for organ transplant recipients & living donors

Joseph S. Roth, President & CEO, NJ Sharing Network; Ihor S. Sawczuk, MD, President, Hackensack University Medical Center; Vincent Prieto, President for the NJSEA; Bill Ryan, President & CEO, Transplant Games of America; Elisse E. Glennon, VP & Chief Administrative Officer, NJ Sharing Network; Elizabeth Stamler, Family of organ and tissue donor; Keath Gerald, heart and liver transplant recipient; Barry Ostrowsky, President and CEO for RWJ Barnabas Health; Jim Kirkos, President and CEO for the Meadowlands Regional Chamber of Commerce; Dr. Shamkant Mulgaonkar, Chief of Transplant Division, Saint Barnabas Medical Center.

O

fficials from the Transplant Games of America® (TGA) have announced that the Meadowlands region will host the Donate Life Transplant Games from July 17-22, 2020. The Games are a multi-sport festival for individuals who have undergone life-saving transplant surgeries. Competition events are open to living donors, organ transplant recipients, and bone marrow, corneal and tissue transplant recipients. The six-day event includes a full schedule of special events that recognize the success of donation and transplantation while honoring the generosity of donors and their families.

The successful bid was a collaboration of local partners led

by NJ Sharing Network, the state’s organ procurement organization that saves lives through organ and tissue donation.

“There were many compelling bids to host the Transplant Games but it was clear that the Meadowlands Liberty Convention & Visitors Bureau and NJ Sharing Network were the right partners to make this the best Transplant Games ever. NJ Sharing Network’s leadership enables them to consistently deliver extraordinary results in areas that include education, fundraising, public policy, medical services and more. We know they’ll put that same rigor and excellence behind the Transplant Games,” said Bill Ryan, President and CEO of the Transplant Games of America, an initiative of the Transplant Life Foundation. Ryan added that the Meadowlands offers top-level facilities and unparalleled access to the greater metro New York area. As such, it will attract national and local media, offer a myriad of transportation and logistical options and conveniences. “The Meadowlands location will serve as a magnet for participants and spectators who want to visit local attractions – from the Big Apple to the Jersey Shore,” said Ryan.

The Transplant Games of America will include over 20 competitions as well as a full program of special events. It is anticipated that the 2020 Games will include some unique “winter” competitions as part the of American Dream project.

“The Transplant Games are the ultimate representation of what we stand for: courage, achievement and triumph over adversity,” said Joe Roth, President and CEO of NJ Sharing Network. “These Games will be an awe-inspiring demonstration of the power of life,

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in some cases literally passed from one participant to the next. They will embrace the entire transplant community – healthcare providers, recipients, donors, donor families, patients waiting for transplants, organizations like ours, and other supporters, in a shared mission to highlight the need for and the life-saving benefits of organ and tissue donation.”

Lead partners include NJ Sharing Network, Hackensack Meridian Health, RWJ Barnabas Health, Novartis, American Dream, Meadowlands Regional Chamber of Commerce and the Meadowlands Liberty Convention and Visitors Bureau.

“Hosting the Transplant Games, ‘live from the Meadowlands,’ home of world renowned major sporting events, will not only showcase the incredible competitors but it will elevate the awareness and importance of organ and tissue donation advancing the Donate Life cause. We are extremely honored and proud to be a partner of the 2020 games,” said Jim Kirkos, President and CEO of Meadowlands Regional Chamber of Commerce.

Today there are 115,000 individuals in the United States waiting for a life-saving transplant, and nearly 4,000 are waiting in New Jersey. Nationwide, 20 people die each day waiting for a transplant.

About The Transplant Games of America The Transplant Games of America® is a 501(c)(3) nonprofit whose mission is to promote organ, eye, and tissue donation, as well as to bring awareness to the tremendous advances in the field of transplantation and in the development of immuno-suppressant drugs in the pharmaceutical industry.

About NJ Sharing Network NJ Sharing Network saves lives through organ and tissue donation.

Located in New Providence, NJ, the organization recovers organs and tissue and belongs to a national network that helps the 115,000 people waiting for a transplant. In 2017, more New Jersey residents gave the gift of life than ever before, resulting in over 550 lives saved. New Jersey residents can help save lives by registering as organ and tissue donors at www.NJSharingNetwork.org, having a conversation with family and friends and joining NJ Sharing Network at its upcoming events.

• • • • • •

Secaucus, NJ • harmonmeadow.com • 201-348-1200

25+ Restaurants with a variety of choices 9 Hotels, 1,529 Rooms Expo Convention Center Located on Route 3, Secaucus, NJ Exit 16E & 17 on NJ Turnpike, direct to Harmon Meadow Pedestrian-Friendly Campus with LA Fitness Signature Club & Kerasotes ShowPlace 14 Theatres

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MEADOWLANDS RESTAURANTS & DINING 3rd Wave Cafe & Crepes, The Lyndhurst (201) 528-8163 Al Di La East Rutherford (201) 939-1128

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Legal Sea Foods, LLC Paramus (201) 843-8483

Il Cafone Lyndhurst (201) 933-3355

Mamma Vittoria Nutley (973) 662-0242 Martini Grill Wood-Ridge (201) 939-2000 Masina Trattoria Italiana Weehawken (201) 348-4444 Massaman Thai Cuisine Carlstadt (201) 559-1424 McDonalds North Bergen (201) 868-9888 Medieval Times Dinner & Tournament Lyndhurst (201) 933-2220 Michael’s Salumeria Lyndhurst (201) 868-9888 Morton’s The Steakhouse Hackensack (201) 487-3614 Mr. Bruno’s Pizza and Beyond East Rutherford (201) 531-8900

MEADOWLANDS RESTAURANTS & DINING Mr. Bruno’s Pizza and Beyond Lyndhurst (201) 933-1588 Mr. G’s Carlstadt (201) 460-0100 Oceanaire Seafood Room Hackensack (201) 343-8862 Olive Garden Secaucus (201) 867-3543 Outback Steakhouse Secaucus (201) 601-0077 Panera Bread Secaucus (201) 348-2846 Pink at Meadowlands Racing and Entertainment East Rutherford (201) 842-5013

Red Lobster Secaucus (201) 583-1902

Sanducci’s Trattoria River Edge 201-599-0600

Stony Hill Inn Hackensack (201) 342-4085

Thistle Restaurant Lyndhurst (201) 935-0004

Redd’s Restaurant & Bar Carlstadt (201) 933-0015

Sanzari’s New Bridge Inn New Milford (201) 692-7700

Subway Weehawken (201) 865-2500

Tokyo Hibachi & Buffet Secaucus (201) 863-2828

Rutherford Pancake House Rutherford (201) 340-4171

Schuyler Grill & Cafe/ The Dapper Doughnut Lyndhurst (201) 935-0900

Subway Secaucus (201) 325-0300

Urban Plum Gastropub Secaucus (201) 520-0574

Ruth’s Chris Steak House Weehawken (201) 863-5100

Segovia Restaurant Moonachie (201) 641-4266

Sabor Latin Bistro North Bergen (201) 943-6366 Saladworks East Rutherford (201) 939-8886 Sals Good Eats Teterboro (201) 375-4949

MEADOWLANDS TRANSPORTATION AAA Giants Limousine & Car Service (201) 933-3313 Academy Bus, LLC (201) 420-7000 Axis Global Systems, LLC (718) 458-3666 Country Club Services (973) 376-4352 Enterprise Rent-A-Car (908) 497-1234

Meadowlink (201) 939-4242 New York, Susquehana & Western Railway Corp.

(607) 547-2555

Suprema Cafe Rutherford (201) 531-1190

Starbucks Coffee Secaucus (201) 223-4924

The Crow’s Nest Restaurant Hackensack (201) 342-5445

Stefanos Mediterranean Grille Secaucus (201) 865-6767

The Original Pita Grill Hoboken (201) 217-9777

Varrellman’s Baked Goods Rutherford (201) 939-0462 Vesta Wood Fired Pizza & Bar East Rutherford (201) 939-6012 Volare’s Restaurant Rutherford (201) 935-6606

Explore the Real Meadowlands!

NJ Transit (973) 491-8903 www.njtransit.com NY Waterway (201) 902-8700 State Shuttle (800) 427-3207

Enterprise Rent-A-Car (845) 537-6067

Stout’s Transportation Services (609) 883-8891

JPods (612) 414-4211

Vander Plaat Executive Limo (201) 891-3856

Lincoln Harbor Yacht Club (201) 319-5100

Starbucks Coffee East Rutherford (201) 438-0584

Subway North Bergen (201) 869-4469

Join us for an Eco-Cruise, paddling tour, or a river cleanup on YOUR Hackensack River. reservations 201-968-0808 www.hackensackriverkeeper.org

Lyft Lyft.com MEADOWLANDS USA

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MARCH 2018

41

EVENT PLANNING & CATERING SERVICES Chit Chat Creative Caterers Hackensack (201) 820-4033

Il Villaggio Carlstadt (201) 935-7733

Palisadium Catering & Conference Center Cliffside Park (201) 224-2211

Cliffhanger Productions Inc. Rutherford (201) 460-1489

In Thyme Catered Events River Vale (201) 666-3353

Personal Touch Experience & Catering Hackensack (201) 488-8820

Fabulous Foods Event Design & Catering Moonachie (201) 896-8800

Jimmy’s Artistic Creations East Rutherford (201) 460-1919

Photobooth Planet Ridgefield (917) 780-5556

Fiesta Banquets Wood-Ridge (201) 939-5409

JNL Creative Tours, LLC Waldwick (201) 312-4684

Freeman Kearny (201) 299-7400

Mamma Vittoria Nutley 973) 662-0242

Bayway Catering Elizabeth (908) 527-8584

Graycliff Catering Inc. (The Graycliff) Moonachie (201) 939-9233

Meadowlands Racing and Entertainment East Rutherford (201) 842-5013

Bounce Music & Entertainment Englewood Cliffs (201) 482-8191

Greenwood Lake Air Show West Milford 973-224-9142

Nanina’s In The Park Belleville (973) 751-1230

16W Marketing Rutherford (201) 635-8000 4 Wall New York Moonachie (201) 329-9878 Adam Leffel Productions / Petals Premier Event Design Hackensack (201) 487-1300 Annabella’s Fine Foods, Inc. East Rutherford (201) 804-0303 Any Excuse For A Party (973) 808-8700 Audience Pleasers Garfield 973-773-0953

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MEADOWLANDS USA

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MARCH 2018

Pink at Meadowlands Racing and Entertainment East Rutherford (201) 842-5013 Positive Impact Partners Cranbury (609) 395-1972 Royal Manor Garfield (973) 478-8590 Sal’s Good Eats Teterboro (201) 375-4949

Seasons Catering Washington Township (201) 664-6141 Smooth Sailing Celebrations Oak Ridge (973) 409-4456 Sterling Affair Caterers Carlstadt (201) 372-0734 Sweet Dreams Studio Photo Booth Madison (703) 585-4704 The Excelsior of Saddle Brook Saddle Brook (973) 772-9900 The Terrace at Biagio’s Paramus (201) 652-7900 Unique Event Center Little Ferry (201) 880-5025 United Eventures (201) 694-6583

NOW BOOKING

540 Mill Street Belleville, NJ 07109 973-751-1230 tom@naninasinthepark.com

678 Cranbury Road East Brunswick, NJ 08816 732-238-4200 info@parkchateau.com

236 Ridgedale Avenue Florham Park, NJ 07932 973-377-7100 info@theparksavoy.com

Dream Weddings in the Park

EXPLORE THE MEADOWLANDS Ecotourism Hackensack Riverkeeper Hackensack (201) 968-0808 NJSEA Meadowlands Environment Center Lyndhurst (201) 460-8300

Bergen County Parks Belmont Hill County Park Garfield

Darlington County Park Mahwah (201) 327-3500 Hackensack River County Park Hackensack (201) 336-7275 Overpeck County Park Leonia (201) 336-7275 Pascack Brook County Park Westwood (201) 336-6000

Borg’s Woods Nature Preserve Hackensack

Ramapo Valley County Reservation Mahwah (201) 327-3500

Dahnert’s Lake County Park Garfield

Riverside County Park Lyndhurst (201) 939-9339

Saddle River County Park Saddle brook (201) 796-0324 Samuel Nelkin County Park East Rutherford (973) 777-0318 Van Saun County Park Paramus (201) 262-3771 Wood Dale County Park Hillsdale (201) 336-7275

Hudson County Parks Mercer Park Bayonne

Stephen R. Gregg Park Bayonne (201) 858-7180

Laurel Hill Park Secaucus (201) 915-1388

Columbus Park Hoboken (201) 915-1388

NJSEA Parks

Liberty State Park Jersey City (201) 915-3403

Richard W. DeKorte Park Lyndhurst (201) 460-1700

Lincoln Park Jersey City (201) 915-1388

Mill Creek Point Park Secaucus (866) 927-6416

Washington Park Jersey City/ Union City (201) 348-5700

Losen Slote Creek Park Little Ferry

West Hudson Park Kearny (201) 217-5482 Braddock Park North Bergen (201) 915-3188

Laurel Hill Park Secaucus 201-915-1386 River Barge Park and Marina Carlstadt

STAY IN THE MEADOWLANDS AVE CLIFTON Clifton 973.859.3200

Fairfield Inn By Marriott East Rutherford (201) 507-5222

Holiday Inn Express Paramus (201) 843-5400

La Quinta Inn & Suites Secaucus (201) 863-8700

Candlewood Suites Hotel Secaucus 201.865.3900

Hampton Inn Carlstadt (201) 935-9000

Courtyard by Marriott Edgewater 201-945-5440

Hilton Garden Inn Secaucus (201) 864-1400

Holiday Inn Express Hotel & Suites Carlstadt (201) 460-9292

Marriott at Newark Liberty International Airport Newark (973) 623-0006

Courtyard by Marriott Lyndhurst (201) 896-6666

Hilton Hasbrouck Heights Hasbrouck Heights (201) 288-6100

Courtyard by Marriott Secaucus (201) 617-8888 Econo Lodge Carlstadt (201) 935-4600 Element Harrison (862) 234-4922 Embassy Suites Secaucus (201) 864-7300

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MEADOWLANDS USA

Hilton Meadowlands East Rutherford (201) 896-0500 Holiday Inn Hasbrouck Heights Hasbrouck Heights (201) 288-9600 Holiday Inn Secaucus Meadowlands Secaucus (201) 809-4746

meadowlands.org

MARCH 2018

Home2 Suites

by Hilton Hasbrouck Heights Hasbrouck Heights (201) 552-5600 Homewood Suites

by Hilton East Rutherford (201) 460-9030 Hyatt Place Secaucus/ Meadowlands Secaucus (201) 422-9480 La Quinta Inn & Suites Clifton/ Rutherford Clifton (973) 778-6500

Red Roof Inn Secaucus (201) 319-1000 Renaissance Meadowlands Hotel Rutherford (201) 231-3100 Residence Inn East Rutherford (201) 939-0020 Residence Inn Saddle River (201) 934-4144 Saddle Brook Marriott Saddle Brook (201) 843-9500

Sheraton Lincoln Harbor Hotel Weehawken (201) 617-5600 Station at Lyndhurst Apartments Lyndhurst (201) 252-4036 Teaneck Marriott at Glenpointe Teaneck (201) 836-0600 The Meadowlands River Inn Secaucus (201) 867-4400 W Hotel Hoboken (201) 253-2420 Westin Hotel Jersey City (201) 626-2900

Il Villaggio_Oct2015_V1_Il 10/20/15 4:29 PM Page 1

“A diamond in the shadow of the Meadowlands, old-style cuisine that never disappoints” Zagat Survey, America’s Top 1000 Italian Restaurants 2008

“Best of Award of Excellence” - Wine Spectator Magazine

Come experience Il Villaggio’s distinguished cuisine in our newly renovated restaurant Since 1979, Il Villaggio has been consistently providing guests with truly memorable dining experiences.

Our menu specializes in classic northern Italian dishes, which include a wide variety of fresh fish & seafood specials that change daily. Complete your dining experience with our wide selection of homemade desserts.

Il Villaggio caters to Bar/Bat Mitzvahs,Weddings, and Private/Corporate Events.

Monday-Friday: 11:30 am -11:00 pm • Saturday: 5:00 pm - 12 Midnight Sunday: Private Events Only 651 Route 17 North, Carlstadt, NJ 07072 Telephone: 201.935.7733 • info@ilvillaggio.com • www.ilvillaggio.com

DESTINATION MEADOWLANDS

Recreation, Sports & Entertainment

Harlem Wizards Secaucus (201) 271-3600

Aviation Hall of Fame & Museum Of NJ Teterboro (201) 288-6344

Hi-Tech Billiard Club & Lounge Weehawken (201) 624-8240

Bergen Performing Arts Center (bergenPAC) Englewood (201) 816-8160

Kerasotes Showplace 14 Secaucus (201) 210-5364

Bowlero Walllington Wallington (973) 773-9100

Liberty Science Center Jersey City (201) 200-1000

Chuck E. Cheese’s North Bergen (201) 861-1799 Durkan Fencing Company South Hackensack 201-880-9585 Field Station Dinosaurs Leonia (855) 999-9010 Fun Ghoul Rutherford (201) 460-1489 GolfTec Englewood (201) 567-0103

North Arlington Bowl-O-Drome North Arlington (201) 998-9621 NY Giants East Rutherford (201) 935-8111 NY Jets Florham Park (516) 560-8100 NY Red Bulls Harrison (201) 583-7000

Meadowlands Racing & Entertainment East Rutherford (201) 460-4166 Medieval Times Dinner & Tournament Lyndhurst (201) 933-2220 MetLife Stadium East Rutherford (201) 559-1562 Nereid Boat Club Rutherford (201) 438-3995

NY Waterway Weehawken (201) 902-8700 RPM Raceway Jersey City (201) 333-7223 Six Flags Great Adventure Jackson (732) 928-2000 Sofive Carlstadt 347-790-5032 Space Farms Zoo & Museum Sussex (973) 875-5800

Statue Cruises Jersey City (201) 432-6321 Statue of Liberty & Ellis Island (212) 344-0996 Water Journey Lyndhurst (973) 994-4577 World Golf Network RiverVale (201) 489-2240

Ecotourism Hackensack Riverkeeper Hackensack (201) 968-0808 NJSEA Meadowlands Environment Center Lyndhurst (201) 460-8300

Health, Fitness & Beauty GNC Live Well Secaucus (201) 348-9549

Haircutter in the Meadow Secaucus (201) 863-3900

Calvin Klein Company Store Secaucus (201) 223-9760

Jenny Craig Secaucus (201) 330-0110

Country Whimsey Rutherford (201) 438-0488

King’s Court Health & Sports Club Lyndhurst (201) 460-0088

Gucci Secaucus (201) 392-2670

LA Fitness Signature Club Secaucus (201) 751-9940 Sally Beauty Supply North Bergen 201-295-0020 SOJO Spa Club Edgewater (201) 313-7200 The DOJO Rutherford (201) 933-3050

Retail & Outlet Shopping Best Buy Secaucus (201) 325-2277

Heights Beer & Wine Emporium Hasbrouck Heights (201) 426-0555 Mason’s Cellar Rutherford (201) 935-1212 Raymour & Flannigan Secaucus (201) 809-1353 Tommy Hilfiger Secaucus (201) 863-5600 Westfield Garden State Plaza Paramus (201) 843-2121

Connecting New Jersey Businesses

6 Great Issues

To Help Grow Your Business Our 2018 Media Kit is now available.

Please call Martha Morley (201) 493-7996 to plan your media schedule so your business is included and promoted effectively! www.MeadowlandsUSA.com 46

MEADOWLANDS USA

meadowlandsusa.com

MARCH 2018

Italian-Made Karts, Speeds up to 45 mph Arrive & Drive Racing 7 Days a Week Adult & Junior Racers (Must be 4’ Tall) Corporate Events, Personal Celebrations Full-Motion Interactive Racing Sim & Arcade Games

10% OFF First Race Coupon must be present and cannot be combined. MLCVB1

HarmonMeadowAd_March2017_V3.qxp_ssreid1@aol.com 4/7/17 8:53 AM Page 1

Welcome to the Plaza at Harmon Meadow 700 Plaza Drive • Secaucus, NJ

work. shop. dine. play. stay.

14 Screen Movies • Open Sundays • All are within walking distance • 4 Miles to NYC

Future home of Which Wich

Future home of Max Fitness Challenge Haircutter in the Meadow

Mill Creek Art Gallery

US Post Office

ACCESS thru Holiday Inn

TO PLAZA

GNC Terra Dental Center Pre sales office for Max Fitness Challenge on site now Plaza Candy Jewelry Exchange

150 HARMON MEADOW BLVD

•BurgerFi •Niko Niko Sushi

BU S STOP #78, #85 ACCESS thru

Residence Inn

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RV IC E

AD

NN

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•Bagels Plus •Dunkin Donuts/ Subway •Cups

ON

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D IRECT ACCESS TO NYC BU S #320

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BU S STOP #78, #85, #320

Enjoy Our Shops, Restaurants & Services…

Cups Dunkin Donuts/Subway Bagels Plus Houlihan’s Tokyo Hibachi Buffet Red Lobster Niko Niko Sushi BurgerFi Cosi Big Bowls COMING SOON

Chili’s Starbuck’s Cheeseburger in Paradise Chipotle Stefanos Jewelry Exchange Pier One Imports Plaza Candy Which Wich Firenza Pizza COMING SOON

GNC Mill Creek Art Gallery Terra Dental Center Haircutter in The Meadow US Post Office Max Fitness Challenge COMING SOON Bank of America Kerasotes Showplace Theatres

Coming soon! Big Bowls & Firenza Pizza

INDEX OF ADVERTISERS Atlantic Stewardship Bank, www.ASBnow.com..............................Front Cover & 23

AVE, www.aveliving.com........................................................................................27

Bergen Community College, www.bergen.edu..................................................... 17 Branca Properties Inc., brancaproperties.com.......................................................26 Bogota Savings Bank, www.bogotasavingsbank.com...............................................1

Chart House, www.chart-house.com......................................................................40 Designer Sign Systems, www.dss-nj.com...............................................................27 Ernst & Young, www.ey.com.....................................................................................5 Forsgate Industrial Partners, www.forsgate.com...........................Inside Front Cover

Frank’s GMC, www.FranksGMC.net........................................................................35 Goya Foods, www.goya.com...................................................................................11

Guzzo+Guzzo, www.gg-architect.com....................................................................27 Hackensack Riverkeeper, www.hackensackriverkeeper.org...................................41

Harmon Meadow Plaza..........................................................................................47 The Harper at Harmon Meadow Apartments, www.hartzmountain.com...............29

Il Villaggio, www.ilvillaggio.com...........................................................................545 International Union of Operating Engineers Local 825, www.elec825.org...........2

Jewel Electric, www.jewelelectric.com.......................................................Back Cover Kearny Bank, www.KearnyBank.com...................................................................... 17

Lincoln Harbor, www.lincolnharbor.com................................................................19 Meadowlands Regional Chamber/Meadowlands Liberty Convention & Visitors Bureau, www.meadowlands.org...........................................................................37 MeadowlandsUSA, www.meadowlandsusa.com...................................................46 Nanina’s In The Park & The Park Savoy, www.naninasinthepark.com...................43

Overhead Door, www.DockNDoor.com...................................................................48 Paramount Exterminating, www.ParamountExterminating.com..........................48 Prestige Employee Administrators, www.prestigepeo.com...................................22

PSE&G, www.pseg.com.............................................................................................9

Ramapo College, www.ramapo.edu/certificates.....................................................15

Residential Home Funding Corp., www.RHFBloomingdale.com...........................13 Royal Manor, www.theroyalmanor.com.................................................................50

RPM Raceway, www.rpmraceway.com....................................................................46 Russo Development, www.russodevelopment.com...............................................35

Scarinci & Hollenbeck, www.scarincihollenbeck.com..............................................7 State of Affairs with Steve Adubato, www.SteveAdubato.org.................................21

FREE ESTIMATES - CALL US TODAY

SUEZ Water New Jersey Inc., www.mysuezwater.com...................Inside Back Cover

The Table: Dining Guide of Metropolitan NJ, www.mlcvb.com.............................33 TM Rybak, www.tmrassociates.com.......................................................................33 Weiss Realty, www.jweissrealty.com......................................................................35

William Paterson University, www.wpunj.edu/cpe.................................................15 For more information on advertising in Meadowlands USA magazine or online advertising at www.meadowlands.org please contact Martha Morley at (201) 493-7996 or email: greerentps@aol.com

201-865-7799 www.ParamountExterminating.com

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MEADOWLANDS USA

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MARCH 2018

Call for new items! If your organization has news or announcements to share with our audience, please send to Joe Garavente at JGaravente@meadowlands.org or call (201) 939-0707

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