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Livingston January 2021

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No. 19 Vol. 1

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January 2021

Social Justice is in her DNA: Livingston’s Myrna Wertheimer is National NCJW Enduring Advocate 2020

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By Jillian Risberg yrna Wertheimer's need to give back meant a lifetime advocating for equal rights for all and endless contributions to the Essex County Section of the National Council of Jewish Women, earning her this year’s Enduring Advocate for Social Change Award from NCJW National. “This award means so much to me as a recognition for my entire body of work,” Wertheimer says, adding that it is very humbling. “I was honored for my leadership in 2003 and was absolutely shocked that the National organization would give me another award because there are so many women across the country doing these kinds of things. It’s a huge honor.” She started her NCJW career in 1974 joining the North Hills Division of

NCJW/Essex, quickly becoming a Vice-President and ascending to the Presidency. But it was her stint as Community Service Vice-President that hit a nerve and she began a lifelong journey of wanting to serve the community and advocate to help improve the lives of women, families and children in that community. “Because that was the time I could really have an impact directly on people,” says Wertheimer. “On people who couldn’t help themselves.” In 1987, she ran a hugely successful community-wide forum, ”Behind Closed Doors” for NCJW to blow domestic violence in the Jewish home out of the closet. “Because back then nobody thought domestic violence could happen in a Jewish home,” she says.

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writing the script for the program and tried a woman for the murder of her husband. “But she was an abused woman,” the advocate says. “And we used expert witnesses, true domestic violence witnesses, lawyers who work on domestic violence and the awareness grew about this insidious social issue and started the conversation.” She networked across the country with domestic violence folks and also had the opportunity to study with the head of the New Jersey Division on Women. “She was an expert on domestic violence and I studied for a year and learned all there was to learn about domestic violence,” Wertheimer says.

“When you study that hard and that long you become an expert and no-one around me knew anything about this because we didn’t know this existed." According to the advocate, all she wanted was to see services for the victims of domestic violence in the suburbs. “I kept pushing for that,” says Wertheimer. “But there were none. There was a shelter in Newark, another shelter somewhere else but we didn’t have anything here because no-one thought it happened here.” So she became the voice and was in demand, publicly speaking out on television locally. That led to NCJW/Essex wanting to focus on the prevention of domestic violence through education and they called on Wertheimer, who founded the Teen Dating Abuse Awareness Project that goes into all the local high schools public and private. “To teach the difference between healthy and unhealthy relationships,” she says, adding that three community organizations at the time (including NCJW/Essex) made the decision to start services for the victims and we teach everyone how to approach it if they know someone. It has since grown to eight partnering organizations and recently celebrated its

20th Anniversary. “As I like to say, ‘they’re victims of domestic violence but we help them become survivors,’” Wertheimer says. “And then The Rachel Coalition (non-sectarian) was born; the Metrowest community’s response to domestic violence — I was one of the founders and it is based in the suburbs and that was new.” People regularly approached the advocate because of her expertise. “I didn’t care about that, I always made myself available to anyone who needed my help,” says Wertheimer, who has spent a lifetime advocating for equal rights for all and will continue to do so. “I can’t sit home idly when I can be helping someone who needs help,” she says. According to the advocate, 95 percent of victims are women and domestic violence happens in any kind of home because it’s a matter of one partner wanting to have power over the other. “Rural, suburban, urban — and it starts as young as the teenage years,” she says. “So that was a major turn for me, I started really fighting for women’s rights in every forum I could and really made an impact on the community.” In 2007, she brought continued on page 2


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Social Justice...

cont. from front page

The Vagina Monologues to town, where 31 women from local organizations, beyond and including NCJW acted and empowered each other for two sold-out performances. And in 2017, upon hearing about NYC’s “SLUT The Play” that combated sexism and sexual violence, Wertheimer continued her long reign of advocacy with another very successful theatrical performance for NCJW/Essex that resulted in positive change in the community. These current COVID stay-at-home times have increased the danger for domestic violence victims. “As a person who lives in a violent situation in the home, it’s always a scary place to be,” Wertheimer says, “because you never know what person you’re going to get and what’s going to set that person off.

But I like to hope that we’ll come out of this and eventually help people come out.” The advocate recalls a personal story of a woman breaking free that stuck with her all these years. “Through my work, way before Rachel Coalition — I met a woman (volunteer) who worked with me and I started seeing signs,” says Wertheimer. “And one day I said, ‘I see something’s going on, I just want you to know I’m here for you, I understand — here’s my number, call me anytime day or night.’” The woman called a month later and the advocate put her in touch with all the resources she had at the time. “I gave her support, told her how fantastic she was, how valuable she was,” Wertheimer says. “When she got the nerve to leave

— because there were guns in her house and she thought that her husband was going to kill her and her children, I even scrounged around in my house and gathered up sheets and towels and lamps, toys for her kids, anything I could fit in my trunk. I met her in a parking lot, gave her everything and I said goodbye and prayed for her.” She also checked the obituaries everyday. “Because when a woman leaves it’s the most dangerous time,” Wertheimer says. “Many years later, I was doing a program and she attended. At the end, I see that one person’s standing behind. And she says, ‘do you remember me.’” The advocate looked at her and it clicked. “We hugged and then she stood back and said, ‘Myrna, you have God in

you, which just shook me to my core,’” says Wertheimer. “She said, ‘Because of you, not only am I alive but my children survived and they have children. And I’m leaving this room right now — I’m gonna burst into tears.’ She ran

out of the room and I was in a puddle.” According to Wertheimer, she cried on and off for six months. “So I always tell people when you do this kind of work, you have no idea who the people are that

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Lucie’s Goodies To-Go Delivering Doses of Happiness Through the Darkness

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By Jillian Risberg s a Child Life Specialist, Lucie Kahn advocated for hospitalized children, regularly accompanying them to procedures and treatments. She also knows firsthand about the pain, fear and uncertainty of dealing with a chronic medical condition, after being afflicted with Lyme disease during a stint at a summer camp for kids with serious illnesses. “When I was in graduate school in New York City and I got sick myself I had to move in with my parents,” Kahn says. “And learning to do chocolate work was sort of my hobby while I was at home and I continued to do it casually through the years.” She says it’s all about your take on a theme or idea and how you make it work with chocolate. “Because chocolate is a different medium. I think it tastes better but it’s harder to work with,” Kahn says, of the creative outlet. She was working at The Connection in Summit but furloughed because of COVID. According to Kahn, that’s when she started creating these DIY kits since folks were desperately trying to arrange unique birthday parties and to fill time with their kids. “I was getting settled with my new normal but I said, ‘let’s just do it,’” she says. “It’s been going great and giving me something for myself. My days are long but it’s a helpful thing to look forward to.” Kahn has the smash heart, her homemade hollow chocolate heart and the idea is to come up with something to put in the center.

“People are putting in jewelry, someone’s putting in an Elf on the Shelf letter, you can put old photos or cards — really anything,” she says. “You get to smash it and then the surprise of what’s inside. So it’s super fun.” She also offers hot chocolate bombs; a little chocolate house that you pour milk over and it explodes into hot chocolate with marshmallows. And her monthly DIY kits have been a real hit with neighboring towns. “You can pick any theme for your Zoom birthday par-

ty and do a make-your-own chocolate to that theme, but every month I do something special (turkeys, Hanukkah, Christmas and winter).” For Kahn, being able to help people in this way during some of the darkest times means everything. “It’s a little bit scary to put something that’s artistic out there but who doesn’t want to smash a heart,” she says. A chocolate heart that is — to let out your frustrations on and then be able to eat it. “That’s the perfect solution to 2020 I think,” says Kahn. “I’m gonna make a ‘Smash 2020’ one and I think it’ll be a hit because we need it.” For $10 parents can involve their children in a cheerful activity. “Not only is it arts and crafts, we can do it together and also it’s out of the parental bubble — because we don’t often give our kids chocolate and candy to eat, let alone play with and work with and be creative with,” Kahn says. “It’s really something different that kids are never going to not love." The artist says it’s a win-win situation that provides a moment of normalcy and bonding. According to Kahn, she’s just getting started putting it out there. But she always takes the opportunity to let people know about her products. “I think my child life side and child development side, I like to involve the child and the family and work together and think of a plan,” says Kahn. “Then they’re a part of it continued on page 5

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Lucie’s Goodies To-Go...

cont. from page 4 and they watch it come to life. It’s something they like and they chose and it becomes a little more special for that birthday that doesn't seem quite the same as it should.” She says before everybody receives their surprises she wonders if the smash heart will work and will they see what’s inside. “I get the butterflies but I love seeing the

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A New Year’s Day Story: A Most Precious Gift of Trust

By Richard Mabey Jr. he gift of trust is one of the greatest blessings that one person can bestow upon another. Such a gift was given to me by Mayor David Baker, former Mayor of Lincoln Park. Mayor Baker appointed me to the high position of serving on the Executive Board of the Lincoln Park Public Library. I was sworn in to office on New Year’s Day on the dawn of Year 2000. I took this volunteer position very, very seriously. It was a lot of hard work and required a certain, steadfast dedication. It was truly a labor of love. I learned a lot during my four-year term. It was truly a golden opportunity. I learned the mechanics of the small-town library system, way beyond the Dewey Decimal System. There were times when I would have a thousand and one things pressing on my mind. At the time, I was working in the Editorial Department at an advertising agency. The demands of impossible deadlines were talking a toll on me. A dear aunt was very ill and in the hospital. My Mom had just been diagnosed with a brain aneurysm and needed to have brain surgery. And, I was in a most rocky relationship with a woman whom I simply adored. So, with all that going on, the roof of the library had sprung a leak. I remember this so well. I was at the deli of the local grocery store on a Saturday morning. I was holding my little number ticket, waiting my turn to order some potato salad and a half-pound of turkey. I could feel the burden of all these things weighing heavily upon my mind. And along came dear, sweet Mrs. MacGruder, whom I knew from church. “You know, my grandson had to do a report on Daniel Boone and there wasn’t one single book in the whole library about Daniel Boone. I had to drive my grandson to Pequannock to take out a book on Daniel Boone. Ya’ really outa get more books on Daniel Boone in the library,” Mrs. MacGruder firmly told me as I stood there with the Saturday morning crowd at the grocery store deli. I took a deep breath, inwardly prayed for patience, then kindly told Mrs. MacGruder that I would bring it up at the next Library Board meeting. “Well, ya’ really should. How many books on Daniel Boone do you have in the library? Only one or two, I’d say. Ya’ know, Daniel Boone was a great American. You really should have more than just one or two books on Daniel Boone in the library,” Mrs. MacGruder reiterated to me. Once again, I took a deep breath and thanked Mrs. MacGruder for her interest in the betterment of the library. Then, I inwardly thanked the good Lord when my number was called to place my order with the deli clerk. As funny as it may sound, looking back, I actually am grateful to Mrs. MacGruder for nagging me about there not being enough books about Daniel Boone in the library. But in defense of the Lincoln Park Public Library, one of the fourth-grade classes were studying Daniel Boone in their history class and the teacher gave a class assignment to write an essay about Daniel Boone. Of course, any of the many encyclopedias, at the library, provided a wealth of information about Daniel Boone’s life. Mrs. MacGruder awoken me to the need

Yours truly with Mayor David Baker, former Mayor of Lincoln Park.

for the library to provide more books about the great American men and women who helped shaped America’s history for the better. From a leaking roof, to concerns about there not being enough books about Daniel Boone, to plumbing problems in the Men’s Room, to coordinating workhour schedules, to staying within the budget, to safeguarding what the children were checking out on the Internet after school; it was all a most wondrous and valuable education to me. I learned, first hand, what was really involved in the management process of a small-town library. Looking back, I am most grateful to Mayor David Baker’s gift of trust that he gave to me, in appointing me to serve on the Executive Library Board of the Lincoln Park Public Library. Gifts do not always come in brightly colored wrapping paper. Sometimes, they are even invisible to the naked eye. For the gift of trust is beyond the third dimension.

It was over 20 years ago that I was sworn in on that fateful New Year’s Day, to serve a four-year term on the library board. It was over 20 years ago that Mayor Baker shook my hand and told me that he expected me to do my best for the town’s library. Looking back at my term of service on the library board, there were some things that I may have done differently now. I made some mistakes. But I held 100 percent perfect attendance at the library board meetings, all four years. I did my best, even though at times, some people in my old hometown didn’t think so. But that’s the way life is at times. Serving on the library board was one of the most wonderful opportunities, ever granted unto me. So, to Mayor David Baker, thank you for your vote of trust and confidence. It meant the earth to me. Richard Mabey Jr. is a freelance writer. He can be reached at richardmabeyjr@hotmail.com. Please put on the subject line: My Life Publications.


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The Gilded Age of Morristown

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By Henry M. Holden he Gilded Age of Morristown (1880-1929) kicked into high gear in 1887 with the death of Cornelius (Commodore) Vanderbilt in New York City. To his heirs he bequeathed $105 million, a sum said to be equal to that in the United States Treasury the day he died. In today’s money we are talking about over two trillion dollars. More than 215 men and women of wealth lived in and around Morristown during the years of the Gilded Age. The aggregate of their wealth is staggering, more than two billion dollars. In 1892 the New York Herald put the number of millionaires living east of the Mississippi at 257, twelve of whom lived in Morristown. Four years later, the initial issue of the Morristown Social Directory contained the

This is the former mansion, Spring Brook House, the home of Robert Dumont Foote. Built in 1906, it was repurposed in 1927 to become the current 44-room of the Loyola Jesuit Retreat Center. (Credit Henry M. Holden)

names of 76 millionaires with a total wealth in excess of $289 million. By 1914, this figure had grown to half a billion dollars with 92 millionaires, and the end was not in sight.

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1916, before the federal estate tax went into effect. His wife, who died seven months later, left an estate appraised in excess of ten million dollars. Many chose to settle in

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Marcellus Hartley Dodge added to his wealth when he purchased the Giralda Farms (west of Madison) in 1906, to protect his privacy. He died on Christmas Day, in 1963, leaving behind a fortune appraised at $60 million. His wife, the oldest living member of the Rockefeller family was worth $50 million. At her death on April 13, 1973, she left behind her net worth of $101,000,000. Back in the 1870s, Morristown was described as “a village of good plain people.” But that changed. A few New York families discovered the area and made it their summer vacation destination. By early 1900s, more millionaires lived within a 3-mile radius around Morristown than anywhere else in the US. Vanderbilt’s estate funded the beginnings continued on page 9

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cont. from page 8 of the age of the palaces. A few of these sumptuous Gilded-Age mansions have survived to this day. A new era of splendor had set in. Witnessing the evolving social scene, the quiet farming community they had known evolved into a town of crowds and carnival. There was a reckless extravagance of some constantly bent on pleasure. It was an age of licensed piracy, a great evasion of taxation, exploitation of the poor, and profiteering. One resident described the area as an age of guilt. “It was an era of artificiality. Of the people who came here, too many leaned heavily on money and superimposed snobbery. They aped everything British, carriages, harnesses, even the horses were imported from Ireland.” Hamilton McKeon Twombly erected $5 million replicas of English palaces along with a 500-acre model farm, 400-cow herd, a 100-horse stable and $75,000 greenhouse. The stock market crash in 1929 was the beginning of the end for the Gilded Age. For a time, it lingered in the gloom of the Depression, and then it was Gone with the Wind. It struggled through the 1930s and 1940s as its heartbeat muffled from

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the sound of bulldozers razing many of the mansions. Former president Ulysses S Grant, famous authors like Mark Twain, Brett Harte, Frank Stockton, and Thomas Nast, and boxing champ John L. Sullivan lived in or frequently visited Morristown. Overnight this new breed lined the main thoroughfare of Madison Avenue and South Street (dubbed the Great White Way) with fabulous mansions and suburban estates. They built polo fields, racetracks, golf courses, and elaborate clubs. These men and women belong to “the richest at least known colony of wealthy people in the world,” said the New York Herald. But some of these multi-millionaires left behind legacies of social improvements. They aided the public welfare groups, built libraries, hospitals, and donated vast tracts of property for public use. Mrs. George Jenkins endowed a chair of medicine at New York University for $100,000. Marcellus Hartley Dodge gave $500,000 to Columbia University, his alma mater, for the erection of a dormitory. The Gilded Age of Morristown was a way of life, a life which could never again be duplicated, even by a person with hundreds of millions of dollars.


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I Remember Dad:

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Proud Be, Thy Service to America

By Richard Mabey Jr. hen my beloved father first arrived at Hickam Air Field in Hawaii, he was just 17 years old. How he did it, I’ll never know. But my dad was able to convince his mom and dad to allow him to quit school and join the United States Army Air Corps. My dad had intense motivation to join the service. The Mabey clan is a fiercely patriotic family. Since the Revolutionary War, from all of my research on my family’s history, there has been a Mabey fighting in every American war. And, since the name Mabey has a Southern deviation of Mabry, Mabey men fought on both sides of the American Civil War. My dad was no exception. Dad was such a patriotic man. Even now, looking back, Dad did his best to instill a love for the United States in the scouts whom he led as Scoutmaster of Boy Scout Troop 170. With all that in mind, there was still one more intensively motivating factor that inspired my dad to join the U. S. Army Air Corps at such a relatively young age. Just one month before Dad signed on the dotted line with Uncle Sam, Dad’s parents got the sad news that their son Edward’s ship had been sunk off the coast of England. It looked for sure that Edward had met his demise in the chilling cold waters of the deep Atlantic. My grandmother, Bertha Mabey, once told me that she prayed for her son Edward with all of her heart, mind and soul. That she quietly, inwardly prayed for her lost son while she cooked, washed dishes, washed clothes and hung the clothes out on the clothesline. My grandmother told me that

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she never gave up hope that Edward was still alive. As if the odds were a million to one, Edward was found by a British war ship. He was bobbing up and down on the waves of the cruel Atlantic Ocean, saved by his life preserver. The story goes that Uncle Ed was close to death when the British sailors heisted upon their ship. He had gone days without food and water. His survival was purely a miracle. I think that the hours and days upon which my dear father saw his mother and father worry and pray about their son, Edward, greatly influenced Dad’s decision to drop out of school and join the Army Air Corps. The two brothers, Dad and Uncle Ed, would not be reunited until World War II came to an end. Uncle Ed was sent home first. Uncle Ed served in the U. S. Navy in the European Theater. Dad served in the Seventh Army Air Corps at Hickam Air Field, right next to Pearl Harbor. They would finally see each other, both having survived the horrors at war, at the home their father built at the forested end of Mabey Lane. My grandfather, Watson Mabey, was not an outwardly religious man. He didn’t go around saying “praise the Lord” or “amen” or “alleluia.” But he had such a deep religious conviction that it was only by a miracle of God that his two sons came home from World War II. But the pain and agony and worry of having sons in harm’s way did not end for Watson and Bertha Mabey when World War II ended. Their two sons, Carl and David, would later be placed in harm’s way in the Korean War. Uncle Carl served in the U. S. Navy and Uncle Dave served in the U. S. Army. Then, in peace time, Watson and Bertha’s sons, Gerry and William served in the U. S. Army.

My grandfather’s brother, Earl Mabey, was killed in action in the First World War. My grandmother’s grandfather, William Storms, was killed in the American Civil War at the Battle of the Wilderness in Virginia. I don’t know how they endured having so many of their sons be placed in harm’s way. Grandpa used to simply say, “I just trusted the Lord to bring all my sons home.” There was no long-winded philosophical and theological discussion about it. Grandpa didn’t quote a dozen passages from the Holy Bible. He would just simply say, in the midst of the dozens of stories of family legends that he shared with his grandchildren, “sometimes, ya’ just got to trust in the Lord.” Richard Mabey Jr. is a freelance writer. He can be reached at richardmabeyjr@hotmail.com. Please put on the subject line: My Life Publications.

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The Summer of 1969:

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By Richard Mabey Jr. ur true-life story so far: It is now the middle of July of 1969. I have begun taking swimming lessons at the Paterson YMCA. My swimming instructor, Lisa Ann, is a very pretty girl who had just completed her freshman year at Paterson State College. Lisa Ann is very kind to me. I have become quite smitten with her. I have just met Robbie, Lisa Ann’s boyfriend. He is crude, rude and obnoxious to Lisa Ann. The two of them have just left the indoor swimming pool area and I sit alone on the old, wooden bench beside the pool. I go outside the Paterson YMCA, to find my mom waiting for me in her old Ford Country Squire station wagon. As Mom drives me home, Mom tells me that Lisa Ann lives in Lincoln Park on Elm Street! There is a time and day when an event of paramount importance in our personal life correspondence with the very same time and day of an event of international significance. Such was the case of the Wednesday morning of the sixteenth of July in 1969. At approximately 9:30 that morning, New Jersey time, the Apollo 11 spacecraft was sent soaring into the heavens. And, it was at that very moment in time, when I was taking my swimming lesson from Lisa Ann at the Paterson YMCA. I was devastated by how mean and rude Lisa Ann’s boyfriend was to her. It broke my heart to see how he treated Lisa Ann, when he came into the indoor swimming pool room at the Paterson YMCA. Mom had driven me home that morning, after my swimming class was over. I was so hurt by how Lisa Ann was treated by her boyfriend, that I

Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 11

Wednesday; July 16, 1969 had totally forgotten about the important Apollo 11 sendoff. Mom and I pulled into the driveway of the old Mabey Homestead. As we walked into the house, there was my sister Patti and Aunt Helen watching the television. It was now about 11:30 in the morning. I remember as soon as my sister saw me walk into the living room, Patti jumped up off the couch and enthusiastically shouted, “Richie, you missed it! The big rocket got shot off to go to the moon!” Aunt Helen gave out a big smile on her face. “It was something to see. It was really something to see!” Aunt Helen said with a certain abundant joy. Mom and I then both sat down to watch the continuing news coverage for a few minutes. Then Mom and Aunt Helen went into the kitchen to cook up some chicken noodle soup and grilled cheese sandwiches for all of us. Meanwhile, my sister told me all about the wonder and magic and majesty of the Apollo 11 launch. I had missed watching an historic event of international magnitude. It was good to be home, away from the smell of the chlorinated water of the indoor pool at the big city YMCA. It was so very good to be home, in dear old Lincoln Park. To be continued. Richard Mabey Jr. is a freelance writer. He can be reached at richardmabeyjr@hotmail.com. Please place the wording “My Life Weekly” in the subject line. Apollo 11 was fired into the heavens on the morning of the sixteenth of July in 1969. The very time and day that I was taking my swimming lesson from Lisa Ann at the Paterson YMCA.

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Blood Donation: Giving the Gift of Life

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By Chris Bauer MD anuary 2021 is National Blood Donor Awareness Month. Each year the American Red Cross designates this month in recognition of the vital role that blood donation plays in saving lives across America. Blood and its associated blood products are often needed for patients who are hospitalized with chronic disease, undergoing cancer treatment, recovering from surgery or who are hospitalized for a myriad of other conditions. According to the National Red Cross, 4.5 million people in the United States would die every year without a blood transfusion. Due to the increased number of hospitalizations this year especially from COVID -19 it is even more essential that people donate blood. Type O -negative blood is the most requested blood type from blood banks so people with this blood type are especially asked to donate. Since the time of the 1600s, blood first began to get transfused in its earliest known people. In 1628, the English physician William Harvey began studying the concept of blood circulation and demonstrated through his experimentation the path of human blood through the heart. Dr. James Blundell, an Obstetrician, has been credited with performing the first blood transfusion in 1825 in London, when he transfused a patient in order to save her from dying from bleeding post delivery. Eventually, in 1940 the United States created a national blood bank, and the American Red Cross becomes one of its most fervent supporters. The process of blood donation has been developed so that it is extremely user friendly. Initially people are asked

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about their medical history before they give blood in order to determine their eligibility. After this, patients have their vitals taken at the donation center along with a short physical exam. Then, a small amount of blood is taken to determine if the donor has enough blood to donate. The donor is then placed in a comfortable chair and the donation takes place. During the donation process, donors are closely monitored to ensure a safe experience for all. All donor information is kept confidential and only a very small percentage of people experience unwanted side effects after a blood donation. After people donate their blood, the blood is carefully screened and rigorously tested for any infectious diseases and for different viral particles in the blood called antigens. Once this process has been completed and the correct blood type has been verified then the different components of the blood are then harvested. From each unit of blood that is donated the different components of blood can be collected. The four different components of blood are: red blood cells, plasma, platelets and granulocytes. Even if a sample that is donated is low in one of the blood components it may be higher in another component that could potentially be collected. In a year of unprecedented medical need, the donation of blood is truly a lifesaving endeavor. For more information or to arrange for you to donate blood you can call the American Red Cross at 1-800733-2767 or visit www.redcrossblood. org . Each donation can save up to three lives. Be the change you want to see in the world. Please donate today!

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hough new flooring and ceiling tiles might not offer the wow factor of a remodeled kitchen, a 2019 study from researchers at the Joint Center for Housing Studies at Harvard University found that replacing floors and ceilings was the most popular home improvement project in the United States in 2017, the most recent year for which data was available at the time of the study. More than five million homeowners replaced carpeting, flooring, paneling, or ceiling tiles in their homes in 2017.

The popularity of such projects may have something to do with the relatively low cost associated with them, as the experts at BobVila.com note that overhauling surfaces underfoot and overhead costs an average of $3,283. That places floor and ceiling tile replacement projects among the least expensive home improvement projects homeowners can undertake, even though such renovations can immediately and dramatically transform the look of a room.

Have a human interest story or something you would like to share? Email us at editor@mylifepublications.com

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 13

Theater Review: Temping

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By: Robert Massimi emping at Dutch Kills Theater is a play brilliantly put forth in these peculiar times. An immersive play, it involves just one person, seated at a desk and working as a temp for an actuary firm. Like going to the office, you are given a desk, a computer, a phone and of course a Brother printer. Not an easy field to work in, being thrown into a desk as a temp with no knowledge of how an actuary does his job but that is all part of the fun. The audience member is given instructions on how to answer messages, given further

instructions on the computer and receives some of the wackiest of information via the Brother. Written by Michael Yates Crowley, Temping was first put in workshop in 2014. It has since played at theaters from University of Maryland, NYTW Adelphi, NYFF53 Lincoln Center, American Repertory Theater, University of Ottawa, and now at The Wild Project in The East Village. Crowley has written a decent body of work (there were times when the writing lagged), as it is unusual to be in an office that at first seems friendly and professional but is any-

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thing but. The temp overhears fighting between co-workers, flirtatious printouts from who knows who and employees trying to cover their tracks from mishaps in the office. Filling in for Sarah Jane Tully who is over winded and ditsy in her computer recordings, she is able to figure out the life expectancy of an airline pilot, she tells me how risky her trip to Hawaii is. She tells me that she has been with the company for seventeen and a half years and how carpal tunnel syndrome has forced her to take this vacation. She goes on to explain all the employees at the company and what each person’s function is and what their strengths and weaknesses are. In the movie Along Came Polly, we get a funny understanding of how this profession works; people are able through mathematics to determine a person’s life expectancy with accurate confidence. In good fun, every time you make a mistake (which is often at the beginning), you get a friendly email that reminds you that even though you’re a temp, you must get your act together and do the assignments right. Having a blunder usually means a follow up by the printer telling you to get with it. A phone message usually follows shortly after by one of the employees tell-

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ing you not to worry about your mistake. In a typical cubical work place, director Michael Rau has made this work place all too familiar with the secrets, the mistakes, the high pressure that people are watching and at any time, someone could get fired. In the set design by Sara C. Walsh, we have the sticky pads, the coffee cup and even some nice candy bars to snack on while we work. As the show goes on, the deceased list grows and as it grows, Brother prints out a humorous eulogy of the people who have perished. Unusual and unconventional, Temping was a welcome respite for the theater starved critic or chronic theater goer. The show opened on October 23rd and ran until December 4th. The play can only handle one person at a time, but it has many runs throughout the day as well as evening. The running time is only fifty minutes; however, it is a fun fifty minutes. Temping will make you want to be back at the theater again, it will also make you miss the office. The play gives us a double dose of nostalgia; being among co-workers and being at the theater. The Wild Project is located at 195 East 3rd St between Avenues A and B in The East Village.


Page 14 • January 2021 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

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ven the most experienced drivers can encounter challenges when driving on slick roads caused by ice and snow or dealing with the impact of colder temperatures during the winter months. In fact, inclement weather and sloppy road conditions are a factor in nearly half a million crashes each winter, according to research by the AAA Foundation for Traffic Safety. Being safe on the road begins before you even slide into the driver’s seat. When the temperature drops, it’s important to pay special attention to your vehicle’s well-being, including checking the battery, wipers, coolant and other systems. One of your vehicle’s most important safety and performance features that should not be overlooked as winter weather sets in is its tires, which are the only di-

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Safe Winter Driving...4 tire tips for cold weather

rect link to the road below. Consider these tips from the experts at Discount Tire to help ensure your tires are ready for winter. Maintain Proper Pressure The air inside your tires supports the weight of your car, and as the outdoor temperature drops, so does your tire pressure. For every 10-degree drop in ambient temperature, your tires can lose about 1 pound per square inch (PSI) of pressure. Keep a tire pressure gauge in your vehicle and check your tires at least once a month to ensure they are filled to the vehicle manufacturer’s recommended inflation level, which can be found in the instruction manual or inside the driver’s door. Also, if your vehicle has a spare tire, remember to check its inflation level as well, as it may be different.

Many cars may have been sitting idle due to the pandemic. Activities being cancelled, working from home and more frequent dining in have kept more cars off the roads than usual. However, just because you haven’t been driving doesn’t mean your tires have stayed the same. Tires can still lose air pressure, around 1-2 PSI per month, even if they aren’t being used. Some tires may also vibrate after sitting for a while. These concerns can be solved with a quick tire checkup. Check Your Tread Tread depth helps determine a vehicle’s safe stopping distance. You can check your tires’ tread depth by sticking a penny upside-down in one of the grooves. If President Lincoln’s entire head is visible, it’s time to replace your tires to ensure you’re able

Photo courtesy of Getty Images (Car in snow)

to stop in time in conditions that typically accompany the winter months. Invest in Winter Tires In extreme cold, the tread rubber of all-season or summer tires can stiffen and lose the ability to provide sufficient traction. Winter tires are made from softer rubber to maintain pliability, and the tread design features thousands of extra traction edges for added grip. If you regularly

drive in temperatures of 45 F – the same temperature at which you can begin to see your breath – or below, replacing all four tires with winter tires can help provide more control and deliver as much as a 25-50% increase in traction over all-season tires, which could be the margin you need to stop in time or turn to avoid trouble. Rotate Often To increase tread life, ro-

tate your tires every 6,000 miles, or earlier if irregular or uneven wear develops. One easy way to remember is to have your tires rotated every other time you have your oil changed. As you prepare your vehicle for safe winter travel, visit DiscountTire.com for more tips, a personalized tire guide and to find a location near you. (Family Features)

5 Ways COVID-19 Changed Our Daily Drive

t is an indisputable fact that the COVID-19 pandemic changed a lot about our daily lives, including our relationships with our vehicles. While Hankook Tire’s latest Gauge Index found that 60% of Americans are driving every day, as opposed to only 19% in April 2020, many of our habits behind the wheel have shifted in light of everything this year put in front of us. 1) We’re spending less money at the gas pump. The COVID-19 pandemic quickly closed many regular driving destinations, including office buildings, schools, restaurants and retail, which in turn gave drivers fewer places to go. While the amount of driving we’ll be doing over the next few months is still uncertain, the positive impact on wallets is still there: 70% of Americans say that they have spent less money on gas since the start of the pandemic. And when they do need to fill up the tank, drivers are strategic about it. Since the pandemic, over three-fourths (77%) make a plan to get gas while running errands to limit their time out of the house. 2) There are designated errand runs - and designated runners. Americans are also strategic with how and when they leave the house for essentials. Many are not comfortable making a quick run to the store to pick up something they forgot for dinner. Nearly two-thirds (64%) say they now save all of their errands for one day or do curbside orders to limit potential exposure to the virus. Another half (53%)

have a designated errand runner, so only one person has to leave the house. 3) Rush hour is less rushed. With more Americans continuing to work from home and students taking classes online, rush hour is proving less intense. Nearly two-thirds (63%) of drivers recognize that normal traffic patterns have shifted since the start of 2020. Another 65% confirm there is less traffic on their regular routes - though that largely depends on where you live. Hankook found that drivers in the Northeast saw the most significant impact on their regular traffic flow, where 71% of drivers say their daily routes have fewer cars on the road. 4) Comfort levels are shifting gears. As a result of the pandemic, 75% of Americans are not comfortable using public transportation. However, confidence behind the wheel is down, too - just over a third (36%) say they are less confident driving since the start of the pandemic, perhaps because they aren’t doing so as often. Interestingly enough, men are almost twice as likely to say they’re less confident behind the wheel as women ... 44% vs. 28%. Additionally, people are careful about who they drive with. Two-thirds (66%) are not comfortable getting into a car that belongs to someone outside their household. Another two-thirds (63%) are not comfortable having passengers from outside their household in their own vehicle. 5) Face masks are the new sunglasses. 2020 has not just changed when and where we use our

cars, it is also changing what we keep in them. Most Americans (81%) keep a face mask in their car, the Gauge found. More than half (55%) have a designated spot for it in their vehicles - be it in the glove compartment, center console, rearview mirror, or the gear shift. And 72% say they have hand sanitizer in their vehicle, too. We will have to wait and see which of these trends will stick around and which are more temporary reactions to a tumultuous year. However, one thing is for certain: The COVID-19 pandemic significantly impacted how we view, use and depend on our vehicles


Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 15

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Vitamin D and Dental Implants

itamins, minerals, and anti-oxidants are all very important components in a person’s well-being. In our busy world, its easy to become deficient in many of these due to fast foods, processed foods, and the toll stress can take on a person. Vitamin D is one of these extremely important vitamins. It is essential for absorption of calcium, muscle strength, immune system function, and deterrence of osteoporosis. It also has many other functions.

However, Vitamin D deficiency is a worldwide public health problem that spans all ages. Epidemiological studies have shown roughly 70% of society is deficient. This is largely due to the number of desk-related jobs that don’t allow us to get enough sun exposure, which is the main source of this important vitamin. Vitamin D is found naturally in very few foods. Within the last 10 years or so, we have realized the importance of vitamin D to the

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success of dental implants, and not having enough of it can be directly linked to implant failure. There are a number of studies revealing this correlation, but one paper evaluated 2,000 implants in roughly 1,000 patients. While heavy smoking (15 cigarettes per day) was associated with an approximate 50% increase in early implant failures, severe vitamin D deficiency was reported with a nearly 300% increase in overall implant failure! (Manganeo et al, 2019). What happens if a dental implant fails due to insufficient vitamin D levels? Typically, we will see an “early stage failure.” This means your bone does not integrate with the dental implant. For many years we did not know why a routine, simple implant placement procedure might fail: lately, we have been able to link it to poor bone metabolism, which is directly related to patients’ vitamin and mineral levels. So what are good and bad levels, and what should your level be for dental implant surgery? A level below 20 ng/ml is deficiency. Optimal levels are 30 ng/ml. If you are undergoing dental implant surgery, your level should be between 40 and 60 ng/ml. This is because stress (ie: dental surgery) will decrease your Vitamin D level. Be careful: there is such a thing as vitamin D toxicity: too much of a good thing can be bad. This level is defined as 150 ng/ml, or greater. How can you test your Vitamin D level quickly and effectively? You can go to a lab such as Quest or Labcorp and utilize your medical insurance. As an alternative, a quick and simple in-office pin-prick test can be administered in the dental office. Costs are around $90, and results are determined in approximately 10 minutes. What can be done if your Vitamin D level

is determined to be deficient? Dietary supplements of Vitamin D by itself will bring levels up to desirable amounts in 8 to 12 weeks. This is not conducive to moving forward with a dental implant procedure quickly. There is a supplement designed for dentistry and implant / bone grafting procedures that combines Vitamin D with other “co-factors” such as vitamin K, magnesium, calcium, and others: this supplement can decrease the “replenishment rate” down to 4 weeks. It is also recommended you continue the supplements for 2 weeks after the procedure. Vitamin D cannot provide its benefits for bone metabolism on its own. That’s why “co-factors” (mentioned above) are necessary. These co-factors allow your body to utilize and activate the Vitamin D. In conclusion, the world of dental implants has found a new level of respect for vitamins, minerals, and anti-oxidants. Overall health is important not only to your well-being, but also to the success of any dental implant procedure you might be considering! About the author: Dr. Ira Goldberg has been performing implant procedures for 25 years. He is a Diplomate of the American Board of Oral Implantology / Implant Dentistry, a Diplomate of the International Congress of Oral Implantologists, and a Fellow of the American Academy of Implant Dentistry. He performs all phases of implant dentistry at his office in Succasunna, NJ. He lectures to dentists in the field of implantology. For a free consultation, including a free 3-D scan (if necessary), please call his office at (973) 328-1225 or visit his website at www.MorrisCountyDentist.com Dr. Goldberg is a general dentist, and also a Fellow of the Academy of General Dentistry.

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Page 16 • January 2021 • Livingston Life • Like us on facebook www.facebook.com/mypaperonline.com

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Budgeting for Pets: How to Prepare for Ongoing and Unexpected Expenses

ixty-seven percent of U.S. households own a pet, or about 85 million families, according to the American Pet Products Association (APPA). This number is poised to increase because many households have added pets during the pandemic, helping aid in the physical and emotional well-being of families nationwide. Caring for a pet requires time, love and a financial commitment. The problem is COVID-19 has also brought economic stress and financial uncertainty to many people, which may impact how they care for their pets. Fortunately, there are ways to be financially prepared to care for your pet’s needs, both planned and unexpected. “A proactive approach helps you plan for your pet’s care as well as how to pay for it, from veterinary to nutrition and beyond,” says Boo Larsen, general manager, veterinary medicine for CareCredit. “While the cost of caring for a pet can add up to hundreds or thousands, there are many simple, budget-friendly options that help families manage the cost.” Larsen shares tips for planning financially for pets: Nutrition and supplies Seek advice from your veterinarian on the pet nutrition that would be best for your pet. Obesity in pets is a growing concern and proper feeding can keep your pet at an ideal weight that supports overall health. Ask if store-brand and generic supplies may be a good option, as these come at a fraction of the cost of name brands. Additionally, consider monthly subscriptions with home delivery or curbside pickup that are convenient plus may provide discounts that can help you save.

Planned and unexpected veterinary care A relationship with a veterinarian is essential to your pet’s health through every stage of life. There are simple, budget-friendly solutions families can use to build a financial safety net for both routine planned care as well as unexpected illness or injury: Financing: CareCredit helps alleviate financial stress before an urgent pet issue. Research shows four out of five pets will experience a medical emergency in their lifetime. CareCredit is accepted at more than 85% of eligible veterinary care providers across the nation, and can be paid off fully or in monthly installments.

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Pet insurance: A provider like Pets Best can help cover ongoing expenses like vet appointments, diagnostics, medications, dental treatments and more. You choose an insurance plan, pay a monthly premium and get reimbursed for covered veterinary expenses. Wellness plans: Many veterinarians offer wellness plans that cover certain types of care for a monthly fee. Ask your veterinarian about suggestions for your pet’s unique needs and available options that fit within your budget. Physical and mental care Many pets require grooming, boarding, training and day care to stay physically and mentally well. If your pet has these needs, ask your friends with pets who they recommend and look at reviews of local service providers online. Many offer packages to help make care accessible. You can also shop around to try to stay within a certain price point. “Pets provide a lifetime of love and they look to us to provide a lifetime of care,” says Larsen. “These simple steps will help you save money while providing your pet with everything they need.” Pet insurance is administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. Pets Best is a CareCredit Solution. (BPT)

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 17

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How to Combat Isolation and Loneliness Among Older Adults

eeling a sense of connection and belonging with others is a basic human need. But unfortunately for many older adults, social isolation and loneliness are on the rise, especially because of the necessary social distancing since the COVID-19 pandemic began. The good news is, there are concrete strategies that caregivers and family members alike can take to bring more joy and a sense of play to the lives of the older adults they care about - especially for those who may be coping with cognitive decline, dementia or Alzheimer’s. Many older people could benefit from a focus for their affection, such as a pet, but are no longer capable of caring for one due to the often-strenuous daily responsibilities or costs associated. Whether you live near or far, providing your loved one with the gift of companionship can make all the difference in their lives. Pets with purpose To help alleviate loneliness and feelings of isolation, Ageless Innovation created the award-winning line of Joy for All Companion Pets - life-like animatronic animals that help aging adults foster essential social connections, improve their emotional health and well-being and bring joy into their lives. Recent research conducted by United-

Healthcare, AARP Services, and more shows that the introduction of robotic companion pets is helping to improve the quality of life for older adults as it relates to depression, loneliness, social isolation and all forms of dementia. Nearly a dozen studies showed that the Joy for All Companion Pets had meaningful positive impact on recipients. Key findings of these studies reveal: * Use of robotic companion pets enhance the well-being and quality of life of individuals with dementia * Companion pets showed a significant reduction in agitation and social isolation, improving quality of life for both patients and family members * Robotic pets may be a feasible way to mitigate behavioral disturbances in patients experiencing ICU delirium * Companion pets are beneficial to decreasing feelings of loneliness How companion pets make a difference One insight from the research was that older adults wanted interactive, two-way companionship, so the need for pets that could give love and receive it influenced the design of these companion pets. Built-in sensors allow them to respond to touch, allowing them to react to their environment. The Companion Pet Cat features VibraPurr technology, mimicking the

feeling and sound of a realistic cat purr; and the Companion Pet Pup features built-in BarkBack technology that responds to voices with playful puppy-like sounds. The real impact of Companion Pets Patti LaFleur (@MissPatticake on Instagram) gave a Joy for All Companion Pet Pup to her mother Linda, who suffers from dementia, to help ease her feelings of isolation when she couldn’t be there. Her mother named her new companion pup “Popcorn.” “I gave Mom someone to talk with and love on and care for,” explained LaFleur. “My mom was always a nurturer, but in her dementia world she wasn’t able to care for others in the same way. But with Popcorn she could. She could love, cuddle, nurture and support her.” LaFleur’s Instagram posts include lots of pictures of her smiling mother with her beloved companion pet. Bringing joy and a vital sense of play into aging adults’ lives Finding ways to improve the lives of older adults through play and a sense of connection is vital to their overall well-being. Using approaches ranging from games, crafts and activities to exploring ways to connect virtually can all help to enrich the lives of aging adults who may be feeling iso-

lated right now. Providing a life-like animal companion is another highly meaningful way to add joy to an older adult’s life. “Developed with extensive input from older adults, Joy for All Companion pets look, sound and feel like real pets, but without the responsibilities of pet ownership,” said Ted Fischer, CEO and co-founder of Ageless Innovation. “Giving a Companion Pet Cat or Pet Pup can add a lot of fun and a sense of companionship to your loved one’s life.” For the holidays this year, or in recognition of National Caregivers Month, look for a Companion Pet for your loved one at JoyForAll.com and Amazon.

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Finding Fulfillment: Is this the Right Time to Switch Careers?

he COVID-19 pandemic has impacted people in countless ways. From quarantine and social distancing to remote working, furlough and job loss, many people are reassessing how they spend their time and make money. Turning proverbial lemons into lemonade, people of all ages and backgrounds have decided to pivot their careers to do something that they truly enjoy. Time provides the gift of insight With extra time at home, people are taking stock of their jobs and paths for the future. They are exploring hobbies and passions that may have been put on hold. Finding enjoyment in these activities and realizing strengths and talents can be the inspiration for a new chapter. For example: * Limited restaurant hours and options paired with ample kitchen time has inspired foodies to flex their culinary muscles. Some have started showing off their creations on social media and recording how-to videos to share with friends and family. Live cooking videos have been a fun way to connect socially with others from a distance. * Having last-minute needs for items like desks, DIYers started working on projects in garages and sheds, realizing they have a maker mindset and handy capabilities. Talking with others and sharing images of finished projects, they’ve discovered their talents are in demand. * Unexpected changes due to hour reduction, job loss and more have financial consequences for many families. After creating agile budgets that help their family thrive in uncertain times, some may even share their budgeting tips and find joy in helping others discover financial security. The silver lining of the pandemic is the gift of time for reflection and self-discovery. However, it’s one thing to enjoy a talent or passion, it’s another to figure out how to monetize it. Desire inspires the need for change Being your own boss is appealing. If you’ve discovered a talent and you want to

make it a career, it’s important to explore options that can help set you up for success. Taking orders for custom-made desks can be a rewarding side gig or even full-time career, if you have the space, tools and organization skills. Passionate cooks can explore culinary school and consider hosting online cooking classes to help garner some money and grow their reputation. For people who desire to help others with budgeting or financial concerns there’s no better time to explore the possibilities for a bright, vibrant new career as a financial professional. Organizations such as The Guardian Life Insurance Company provide training on how to build your career and find clients. They partner you with mentors in a team setting so that you can learn from peers as you help clients reach financial confidence. They even provide proprietary software that will help you build plans for clients so they can visualize their future success. Financial representatives are in demand A financial representative is someone who owns their own business and makes their own hours. You can decide areas of specialty and what you’re most passionate about. Financial representatives come from all backgrounds and exploring this career doesn’t require previous experience. There is a growing need in the industry to have people from diverse groups become financial representatives in order to best represent a diverse group of clientele. To learn more, visit https://www.guardianlife.com. Is it time you changed your future? Many people have been reassessing their life path during the pandemic and desire to make a change so they can spend their time doing something they love while making an honest living. If this is something you’ve been thinking about, there’s no better time to consider options and opportunities. (BPT)

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 19

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Get Your Home Ready for Work and School this Winter

lthough preparing your home for winter is a fairly consistent process year-to-year, many homes have seen significantly more use this year due to COVID-19 restrictions. If your home will serve as your office or school throughout the winter months, it’s important to address issues that may have been noticed but tolerable during winters past. Consider these tips from the experts at the National Association of the Remodeling Industry to help ensure your home is ready before winter weather strikes. Improve Indoor Air Quality Beyond proper physical and structural considerations of winter preparations, the increased daily usage of your home naturally increases the importance of indoor air quality. Since windows and doors will likely be closed more often, moisture levels within your home can be significantly affected. Use a humidifier, if necessary, to maintain a relative humidity between 45-50%, which is healthier and can feel more comfortable. It can also keep wooden doors and windows functioning properly and wood furniture and floors looking good. Get Your Furnace Checked To keep your furnace from failing when you need it most, get it inspected by a professional before you need to rely on it to heat

your home in the dead of winter. If you’re not leaving the house and turning down the thermostat each day, this will be especially important this year. Regular tune-ups can prolong your furnace’s life, help prevent carbon monoxide leaks and ensure your unit is working at maximum efficiency. If a wholehouse humidifier is included as part of the heating system, also inspect the humidifier and replace the element, if necessary. Seal Leaks Around Windows and Doors Air infiltration is one of the largest culprits of reductions in a home’s efficiency. Small air leaks can add up to significant heat loss and a corresponding increase in energy consumption. If replacing window screens with storm windows and installing a storm door on your house isn’t realistic, increase energy efficiency by sealing gaps around window and door moldings with caulk to help keep heat from escaping. If any pipes or ducts travel through an exterior wall of your home, you can also use caulking and weather-stripping to help block potential entry points for cold air. Check Your Gutters Improper drainage away from the home is one of the biggest causes of water leaking into basements and crawlspaces. Gutters and downspouts have the single purpose of routing water away from your home to help prevent damage to your foundation.

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Once leaves have fallen and before the first snow, ensure your gutters are properly secured and clear of debris. Clogged gutters can lead to improper drainage and potential overflow, ice damming or other water-related issues. Also adjust downspouts so they direct water at least 5 feet from the house to help minimize the possibility of water run-off back toward the foundation. Prep the Plumbing When water freezes, it expands. Any residual water in pipes that is exposed to freezing temperatures, including interior lines located in exterior walls or unheated areas,

can burst. Start by disconnecting hoses and shutting off exterior faucets, draining any water that remains in them and storing hoses indoors to prevent cracks. Drain any other pipes, valves or in-ground sprinklers that may be exposed to the elements and, for an extra layer of protection, wrap water spigots with covers to prevent damage. Sometimes a simple trick like keeping a cabinet door cracked open to allow warm air into the space can prevent frozen pipes. Find more expert tips to get your home ready for winter at RemodelingDoneRight. com. (Family Features)


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How ‘Buy Now Pay Later’ Can Stretch Your Dollars

ou’ve probably wondered about it - various retailers and apps offering consumers the opportunity to “buy now and pay later.” It’s easy to confuse buy now pay later (BNPL) plans with using a credit card or layaway plan. While finances are tight for many, especially during and after the holidays, it’s good to know what plans would work best for your situation, without getting you into financial difficulties down the road. The credit card trap When cash is in short supply, especially if you are a recent grad or if you’re between jobs, it’s all too easy to max out your credit cards when buying holiday gifts or necessary expenses, from gas for your car to medical bills. But even if you have reasonably good credit and a generous credit limit on a card, relying too heavily on this payment method can lead to financial difficulties in the future. Even if your credit card charges interest that is not too high, any amount adds up over time, especially if you can’t pay off the balance. And even worse - if you miss a payment, that can not only lead to fees but will also harm your credit score, making it hard to borrow later if you

need a car or bank loan. Especially for anyone still paying down student loans, the lure of credit cards has definitely lost its luster - which is a good thing, in the long run. The old-fashioned layaway plan In your parents’ or grandparents’ day, layaway was a common method for saving up for large expenses, like appliances. But the catch was, you couldn’t take home the item until the total amount was paid off at the retailer. It was a great way for people to save up for later purchases, making sure they didn’t overextend their credit. But for today’s financial challenges, a plan like this does not help much. The layaway plan has evolved to fit our current needs, and buy now, pay later has revolutionized the way we purchase - like getting the item right away instead of waiting to receive it once it’s paid off. How to buy now, pay later Enter a new way to make purchases now and pay for it over time without exorbitant interest and fees later. For example, with Quadpay, you can make purchases without needing to go through a hard credit check that could affect your credit

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score. Their app divides your purchase into four payments over a six-week period, and withdrawals for each payment are set up to be automatically charged to the bank account you provide, so you won’t have to worry about missing a payment - and there’s no interest and no hidden fees. The first payment is made at the time of purchase. With Quadpay, you can use buy now, pay later to shop anywhere, for anything - whether online or in-store. After downloading the app you can browse any store online or just add a Quadpay card to your digital wallet to conveniently pay in-store. The app even sends helpful reminders of upcoming payments via text message. Using BNPL beyond gifts Apart from buying others (or yourself) items you want, you can also use the Quadpay app to pay for medical bills, prescriptions, utilities and other necessary expenses - even parking tickets. “We created Quadpay to provide consumers savvier ways to pay and greater access to financial flexibility, believing the traditional credit model was broken,” said Adam Ezra, Co-CEO of Quadpay. “While a FICO score alone may make sense for car

loan eligibility, we’ve proven it’s not the case for smaller purchases.” Another bonus? If you’re shopping instore, you can touch and go to pay with the app for safer, contactless shopping. Tips for using buy now, pay later 1. Download the Quadpay app, and make sure you’ve added a Quadpay card to your digital wallet, for easy tap-to-pay in-store capabilities through your digital wallet. 2. When shopping online, purchase goods from any retailer through the Quadpay app to easily split payments. 3. Keep track of how much you’re spending and how it’s being divided over the next six weeks, so you’re not overreaching your expected income during that period. Using buy now, pay later, you can spread out payments over time to help you manage your finances smartly when money is tight, and avoid being late on crucial payments when you’re between paychecks. Download the app from the Apple App Store or Google Play - or visit Quadpay. com to learn more. (BPT)

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Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 21

Make Virtual Learning Fun and Easier

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earning remotely from home is now the norm for many families across the country. Kids and caregivers alike have settled into a routine, though keeping children engaged can still be challenging. While kids have had to be resilient and adapt to learning away from their school buildings, there are ways to make the adjustment easier. These ideas can help infuse more fun and moments of inspiration into school days to keep kids engaged and excited about learning. Create a reward system. Children typically respond well to positive reinforcement, and a thoughtful reward system can help incentivize them to stay on task. Try to align the rewards with the structure of your day so everyone wins. For example, you can reward the completion of a long assignment with a play break. Giving kids the ability to choose the reward from a set of options can also increase their level of investment in learning. Seek support from trusted sources. Many familiar kids’ programs have expanded their services at no extra charge to help families through the pandemic. One example is My ABCmouse Classroom Live!, a learning experience that features daily classes built around themes such as community, responsibility, change, communication and cooperation. Each class feels like a real classroom experience, is led by real teachers and contains

more than an hour of high-quality, engaging learning as part of an expertly designed curriculum. The classes can be streamed on-demand then kids can complete independent learning activities related to the classes, including interactive games, art and puzzles. Maintain social ties. Connections with friends are hard to establish without in-person interaction. However, with a little creativity, you can find ways to build new kinds of connections with educational value. Coordinate with other parents to start a book club and bring kids together virtually to talk about the stories or start an old-fashioned pen-pal exchange with kids from your school. Establish a schoolwork zone. For children, doing schoolwork in an area usually associated with toys and free time like a playroom or bedroom can be hard, but in most homes, extra space is at a premium. Get creative with your available space and set some boundaries. Use a room divider, rugs or other visual cues to set aside a space in the house dedicated to doing schoolwork. Get your children on board by having them help design the space or add their own personal touches like artwork. For more ideas to help make virtual learning fun and engaging, visit ABCmouse.com. 5 Homeschool Hacks 1. Use familiar toys to add playful elements to schoolwork. Building blocks and

modeling clay can be used as part of lessons on colors, shapes and letters. 2. Laminate a password cheat sheet and keep it within easy reach so you’re always able to log in quickly. Also create a list of bookmarks and desktop shortcuts to save time accessing online learning tools. 3. Add some cheerful color to dry-erase sheets by using pompoms as erasers. Bonus tip: Slide a page protector over a worksheet so kids can practice with it again and again.

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4. Get creative with household supplies. A dishrack easily doubles as a file sorter or book display. Cookie sheets can be used for working with magnets or as a hard surface for writing or coloring if your child needs a break from his or her desk. 5. Repurpose old puzzles by putting learning content on the back. Math facts, spelling words and shapes can make for easy puzzles. (Family Features)

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AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. Auto is currently unavailable in Canada and U.S. Territories or possessions. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. 1In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company, through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. 2 Savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/19 and 12/31/19. Your savings may vary. 3First Accident Forgiveness is not available to CA policyholders. Terms and conditions apply. 4Gift is a limited time offer and not available in all states. Email address required in most states. Allow 4-7 weeks for delivery. Bottle not included. *Based on customer experience reviews shared online at www.thehartford.com/aarp as of June 2020.

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5 Tips for Building (or Rebuilding) Your Emergency Savings

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he new year provides an opportunity to re-evaluate different aspects of your life, and that includes your budget and savings habits. Planning for emergencies by building - or rebuilding if the COVID-19 pandemic required making a withdrawal - a savings account to withstand the unforeseen can increase confidence in your overall financial health and reduce worry that a significant life event will negatively impact your finances. “Our research shows having emergency savings is the foundation for long-term financial health,” said Chandni Ohri, program lead in savings and financial health with BlackRock’s Emergency Savings Initiative. “The start of a new year is a good time to make a savings plan, which can consist of putting a little bit of money away regularly.” Even before the pandemic began, 4 out of 10 Americans had a hard time finding even $400 to cover an emergency, according to a report from the United States Federal Reserve. However, if you don’t think you have money to save, consider the majority of people who were able to save for an emergency for the first time in 2020 earned less than $60,000, according to research from BlackRock’s Emergency

Savings Initiative, a group of nonprofit experts, corporate partners, and providers. Changes in spending due to the pandemic plus government stimulus packages helped many individuals create much-needed cash buffers. Consider these tips to build your emergency savings account and create a buffer of cash for when emergency strikes. Start a Savings Habit While it’s less important to have a specific dollar amount in mind, getting into the habit of putting some money in savings with each paycheck can help protect you should an emergency arise. While one good rule of thumb is to set aside enough to cover roughly six weeks of living expenses - housing, food, transportation - take a look at what it would cost to cover unexpected issues with your car, a trip to the hospital, a leak in your home or the replacement of a major appliance and start there. Even a small amount, such as $50 in your savings account when it’s the day before payday and you’re running on fumes, can save you from an overdraft fee, having to resort to using a credit card, borrowing from a loved one or taking out a loan. However, research from the AARP Public

Policy Institute found having a cash buffer of approximately $2,500 can help prevent financial hardship over the longer term. If you lose your job, for example, your emergency account could help pay for necessities while you find a new position, or the funds could supplement any unemployment benefits you may receive. Automate Your Savings Because an emergency can strike at any time, it’s important to have easy access to your funds. However, the account should also be separate from your checking account so you’re not tempted to dip into your reserves. Pick a free savings account with no minimum balance requirements and link it to your everyday account to quickly move money over if you need it. Look for ways you can automatically save such as enabling roundups from your checking account to be transferred to your savings with each purchase or having your employer split your paycheck and automatically deposit a portion into savings each payday. If you’re planning to stash funds away for months or years that can serve as both an emergency fund and long-term savings, consider a high-yield savings account. Look for Ways to Cut Back

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Discount applied at time of purchase. Terms and Conditions Apply. * Subject to 3rd party credit approval. Minimum monthly payments required. Receive a free American Standard Cadet Toilet with full installation of a Liberation Walk-In Bath, Liberation Shower, or Deluxe Shower. Offer valid only while supplies last. Limit one per household. Must be first time purchaser. All offers subject to change prior to purchase. See www.AmericanStandardBathtubs.com for other restrictions and for licensing, warranty, and company information. * CSLB B982796; Suffolk NY:5543IH; NYC:HIC#2022748-DCA. Safety Tubs Co. LLC does not sell in Nassau NY, Westchester NY, Putnam NY, Rockland NY.


Like us on facebook www.facebook.com/mypaperonline.com • Livingston Life • January 2021 • Page 23

GENERATOR

HARDWOOD FLOORS

MOLD

HOME INSPECTIONS

TITLE COMPANY

VG

ALLEY ENERATORS

We specialize in Installation, service and warranty for Generac, Kohler and most brands of permanent standby and portable generators

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100

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Attorney Owned Title Agency

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ACP:

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ECRWSS Local Postal Customer

New View Media Group, LLC 5 Vista Drive Flanders, NJ 07836

259 Easton, Md 21601

Would You Like An Experienced Dentist Help You Plan Your Implant Treatment? Come in for a free consultation

HELEN P. CHIU, D.M.D., P.A. Fellow of Academy of General Dentistry One Place For All Of Your Dental Needs

973-377-0224

248 Columbia Tpke. • Florham Park www.chiudentalcare.com On Call For Emergencies - 24 Hours A Day!

Over 20 Years Experience in Comprehensive Dental Care and Cosmetic Dentistry • Extractions • Digital X-Rays • Advanced Tissue/Bone • Root Canals • Nitrous Oxide Regeneration for Implants ® • Complete Periodontal • Lumineers Laminates • Surgical & Restorative Implants Treatments • Emergencies Seen Same Day

• On Time Scheduling • Saturday Early Morning & Evening Appointments Available

IMPLANT DENTISTRY Recently, a patient came to Dr. Chiu with a loose full denture in her upper jaw. It turned out she just had her teeth extracted last year and the new denture was put in. Since that loose upper denture was made, she had been unhappy with the situation. She inquired about the possibility of a fixed bridge supported by implants. After careful examination, Dr. Chiu decided she would need very extensive bone repair in her sinuses, done in stages to allow her to have implants placed. This could take two years, because she is already wearing a removable denture. It interferes with the normal bone repair process in the other areas of her upper jaw. That’s why planning ahead is crucial when it comes to a treatment of an implant-supported fixed bridge, especially before the teeth are extracted. Often times, a lot of the “prep” work is done while a couple of teeth remain in the mouth to hold up a fixed temporary appliance. This allows for a faster healing time and more optimal placement of implants to support a fixed bridge.

Come and visit Dr. Chiu, who has placed and restored implant-supported fixed and removable prosthesis for many years. Your comfort and convenience are always Dr. Chiu’s top priorities. To know more about these procedures, please call (973) 377-0224. We are always happy to answer any questions you may have. To receive a COMPLEMENTARY IMPLANT CONSULTATION, simply mention this article during your appointment. Offer expires February 28, 2021.

Ask us about our available financing options Care Credit We accept

FREE

ORALAND EXAM FULL-MOUTH SERIES X-RAYS (A $312 VALUE)

New patients only. Not to be combined with any other offer including Care Credit. One per family. Expires 2/28/21

TEETH WHITENING

360

$

+ TAX

Not to be combined with any other offer including Care Credit. One per family. Expires 2/28/21


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