Zone 17 August 28, 2018 by My Life Publications..Maljon LLC

Zone 17

No. 14 Vol. 16

New View Media Group • 1-800-691-7549

August 28, 2018

Local Superintendent And Her Mom Compete In Hot Dog Contest wouldn’t think a superintendent of schools is getting involved in,” Rene Rovtar said. “When I reflected on it, I did have so much fun. I realized I wanted to go back.” Rene Rovtar, 59, the oldest woman in the contest, explained that participating was on her bucket list. She didn’t know what to expect last year, but the warm atmosphere and the friendly people made her want to return. She added that the students in Montville were definitely impressed that their superintendent competed. TEASE SALON In order to take Is A One on One Treatment part in this year’s from Start to Finish. event, she and her We Block Out The Background daughter had to qualify. Nathan’s So We Can Focus On Your Hair. holds 20 events throughout the country. Kristina B A Y A L A G E & Rovtar won a comC O L O R S P E C I A L I S T petition in Syra208 Myrtle Ave • Boonton cuse, N.Y. and her 973.588.7111 mom in Norfolk, www.TeaseSalonNj.com Va. Follow us on Facebook @TeaseSalonNj Instagram @TeaseSalonNj “Competitive eaters train to eat

By Jason Cohen ompetitive eaters stuffed their faces with hot dogs at the Nathan’s Hot Dog Eating contest on Fourth of July. While their professions are more on the table of giving lessons, these two local educators received a lesson on hot dog eating. Among them was Superintendent of Montville Schools Rene Rovtar and her daugther, Kristi-

na Rovtar, a teacher at Hanover Park Regional High School. This was Rene Rovtar’s second year in a row at the competition in Coney Island, N.Y. and the first for her daughter. The superintendent chowed down eight franks last year, but due to the excessive heat, only managed five and a half this time. Kristina Rovtar ate five. “I think it’s something you

massive quantities in their training,” Rene Rovtar said. “That has not been our approach. We focused on how to eat the hot dogs as quickly as you can.” The duo explained that eating a hot dog without mustard or sauerkraut is not easy. Furthermore, they also had to get used to dunking the bun in water and eating it. Their fellow eaters stressed to them how import-

ant it is for the water to be room temperature or warm. Kristina Rovtar, 30, who is an art teacher in Hanover, said she and her mom are best friends. The two of them participate in numerous activities together and recently ran a half marathon in Chicago on July 22. “There is a comparison to marathon running,” Rene Rovtar said. “When you run a

marathon you get to certain point that you have to have mind over matter. When eating, your body mentally telling you have to push through.” Their competitor, Miki Sudo, ate 37 dogs and won the women’s title for the fifth consecutive year. The women are taking a break from hot dogs for now, but are open to doing it again next summer.

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Goodbye Summer. Hello Class. friends they may not have seen all summer, but there will be others who may be more hesitant about entering into the new school year, as they anxiously consider new schedules, peer pressures and homework. Parents may wrestle with their own mixed emotions as highly prized time together, which the summer condones, must now be set aside in order to put things in order for ten months of academics, sports activities, social events and work schedules which all vie for everyone’s time, attention,

he sultry melody of August quietly fades as the high-intensity sounds of September take center stage. Stores are stocked with school supplies and TV commercials send a message to households

nationwide that preparations are underway for a new school year. Some children may be eager to put the summer behind them, happily awaiting the adventures of a new grade with

and energy. Having homeschooled all four of my children over the course of 18 years, I understand all too well how overwhelming it may feel to sort all the mixed emotions and land in a good place with everyone feeling confident, prepared and peaceful about the year ahead. However, a few strategies have worked so well for us that they’ve become a highly anticipated tradition that ushers in the school year with smiles and readiness. continued on page 3 100% Mailed, Bi-Weekly Newspaper 1 Old Wolfe Road Budd Lake, NJ 07828 H 800.691.7549

H Publishers: Joe Nicastro & Mary Lalama H Editor: Cheryl Conway H Graphics: Mary Lalama, Terri Armswood Please e-mail all press releases and calendar information to hteditor@newviewmg.com. Advertising in the HomeTown News is affordable and effective. We are a “family friendly” publication and therefore reserve the right to accept only advertisements that appeal to the entire family; the final determination of which is made by New View Media Group. Views expressed in the HomeTown News are those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or the HomeTown News. Advertising is open to anyone desiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by the author and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services, products or businesses advertised.

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Goodbye Summer... continued from page 2 Select a day and time for little ones to personalize their supplies and materials using fancy markers, stickers, and drawings, which serve to create feelings of freedom, creativity, and promotes a sense of self. Explore styles of clothing with older children, discussing what they’d like to wear, working together to bring about a satisfying and appropriate sense of self expression. Set aside a date on the calendar to meet together as a family in order to celebrate the dreams, goals, and missions your child hopes to achieve in the year. Use this time to hand out your child’s personalized supplies and materials and allow him or her to inspect and familiarize themselves with the material they’ll be studying. Plan a play date with oth-

er classmates, eliminating the fear of entering classrooms with peers they’ve never met before or don’t know well yet. Visit the school grounds and classes, if possible, before school starts, reducing the anxiety of an unfamiliar environment. Meet teachers either in person or by visiting the school website to view teacher bios and class plans for the year, creating a sense of familiarity. Discuss first impressions of teachers, peers, school curriculum, and class plans, which helps to process the various raw emotions in the safe, non-judgmental environment of home. September is a month of beginnings and the perfect time to come along side our children as they transition from the casual ease of August to the high intensity of September. Wheth-

er the family is in preparation mode or classes have already begun, having tools and strategies to implement will set the stage for a winning year and ease them into an amazing season of learning and growth with confidence. This article was submitted by Loyla Louvis, a Certified

Professional Parenting & Life coach, and founder/ owner of Mothers In Training, LLC, located at 615 Valley Road, Montclair. Send questions or comments to coachloyla@ mothersintraining.org or visit mothersintraining.org for more information.

Reunion Planned For Wayne Valley Class Of ‘78

lans are well underway for the Wayne Valley Class of ‘78 40th Reunion for the weekend of Oct. 5- 7. Friday night will be a home football game followed by a pre-party at the Lakeside. Saturday will begin with a tour of Wayne Valley followed that evening with a Big Gathering at the Barn-

yard & Carriage House. Sunday morning will feature a farewell brunch buffet at In the Drink. Send contact info. or questions to wvhs78reunion@aol.com. All details and reservation info. are available at wvhs78.com. Deadline for all reservations is Sept.1.

Have a human interest story? Email us at hteditor@newviewmg.com

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Montville Gardeners Honor Sotirov With Scholarship

he Garden Club of Montville presented a scholarship award at the Montville High School Awards Assembly in June to Sara Sotirov. Carole Karsen and Lois Meli presented the award. Sotirov was president of the

Earth Club at school and plans to study horticulture and environmental science at the University of Michigan this fall. She enjoyed playing field hockey at school and is also a Montville First Aid Squad Cadet.

Kiwanis Awards Scholarships To Montville Seniors

uring the recent Montville Township High School Senior Awards Ceremony, the Kiwanis liaison to the Montville Township High School Key Club, Kimberly Passaretti, awarded scholarships to four outstanding seniors. The recipients were Taylor Blicht, Key Club president,

who will attend the University of Michigan; Chris Turnbull, Key Club webmaster, who will attend Penn State University; Adam Kolides, Key Club vice president, who will attend Duquesne University, and Avery Pepperman, Key Club member, who will attend Rutgers University.

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Simple, Satisfying Weeknight Solutions

ectic daytime schedules can often lead to even busier evenings, which makes putting dinner on the table in less than an hour a valuable time-saver for home chefs. Balancing a busy lifestyle with healthy food choices can certainly become a tall task, but making filling, nutritious meals a priority starts with planning and preparation. One way to set the course toward more quality weeknight meals at home is planning in advance rather than making day-of decisions. Ensuring you have the correct ingredients on-hand can make meal prep a simpler process once it’s time to get started in the kitchen. By focusing meals on recipes that incorporate easy-to-use, versatile ingredients like Filippo Berio vinegars, you can have flavorful main courses, sides and appetizers ready in under an hour. The vinegars are allergen free, cholesterol free, trans fat free and GMO free, making them an ideal addition to healthy menus. For example, while waiting for a meal

to bake, Green Bean, Asparagus and Goat Cheese Salad with Honey Dijon Vinaigrette can keep appetites at bay and help incorporate nutritious vegetables. Follow your salad with a main dish like this Honey-Balsamic Glazed Salmon, which involves just a handful of ingredients and seasonings, leading to just 5 minutes of prep time and 20 minutes in the oven. Greek-Style Roasted Sweet Potato Salad makes for an ideal complementary side dish, enhanced with a red wine dressing made with Filippo Berio Red Wine Vinegar for a pleasantly sharp taste that’s a welcome addition to an array of recipes. When a light yet filling meal is attainable in less time, you can focus on nutritious choices even on the busiest of evenings. Find more quick, simple recipe ideas at FilippoBerio.com. Honey-Balsamic Glazed Salmon Prep time: 5 minutes Cook time: 20 minutes Total time: 25 minutes Servings: 6 1 salmon filet (about 2 pounds)

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1/2 teaspoon salt 1/4 teaspoon pepper 3 tablespoons Filippo Berio Balsamic Vinegar 2 tablespoons honey 1 tablespoon Dijon mustard 1 clove garlic, minced pinch of chili pepper flakes 1 tablespoon chopped fresh tarragon (optional) Heat oven to 400 F. Season salmon with salt and pepper; place on parchment paper-lined baking sheet. Whisk together vinegar, honey, mustard, garlic and chili pepper flakes; brush over salmon. Bake 18-20 minutes, or until fish just starts to flake easily with fork. Sprinkle with chopped tarragon, if desired. Tips: Substitute maple syrup for honey, if desired. Omit chili flakes and season with freshly ground pepper. Greek-Style Roasted Sweet Potato Salad Prep time: 15 minutes Cook time: 30 minutes Total time: 45 minutes continued on page 8

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Lead East Introduces New Generation To The ‘50’s

By Elsie Walker hirty-five years ago, Terry Cook from Delahaya USA in Chester started a car show that turned into an event like no other: Lead East, known as the world’s biggest ‘50’s party. The event grew to become a journey back in time to the music, dance, movies, and sights of the 1950s. After the last Lead East, Cook decided to retire to write a book. However, the party isn’t over. Four longtime Lead East attendees from the Hope area have taken ownership of the event and Jim Craig of Great Meadows has become event coordinator. With these changes, Lead East still features an abundance of classic cars, but it is morphing from a party into a festival of the 1950s, with more offerings for kids than in the past. Classic cars

are still a big part of it, as is the spirit of giving. Lead East will run from Thursday, Aug. 30 to Sunday, Sept. 2 at the Parsippany Hilton. “We want to open the door to more generations and introduce other generations to the ‘50’s,” explained Craig. He compares attending Lead East to being beamed up to a spaceship and taken back in time. Things were different then. “In the ‘50s, everything was American; it was an American phenomenon,” he said. Lead East has always had the sounds of rock and roll bands and accapella do-wop groups, the look of ‘50s fashion like poodle skirts and greased back hair, plus a traditional prom and even Elvis sightings. Now, it is offering more for not only those who remember the ‘50s, but those experiencing it

for the first time. Craig shared that people can learn about how to dress like the ‘50’s or to decorate their home ‘50’’s style. Country line dancing has been added to the dance lesson offerings.

Craig noted that classic country was also part of the ‘50’s. For kids there will be Craigles the clown, a clown mobile, a flea circus, face painting, balloon animals and contests. A model continued on page 8

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Lead East...

Weeknight Solutions... continued from page 6 Servings: 8 Red Wine Dressing: 1/4 cup Filippo Berio Extra-Virgin Olive Oil 2 tablespoons Filippo Berio Red Wine Vinegar 2 tablespoons chopped fresh parsley 1 teaspoon honey 1 clove garlic, minced 1/4 teaspoon salt 1/4teaspoon pepper Roasted Sweet Potato Salad: 3 tablespoons Filippo Berio Extra-Virgin Olive Oil 1 tablespoon Filippo Berio Red Wine Vinegar 1 teaspoon dried oregano 1/2 teaspoon dried mint 2 cloves garlic, minced 1/2 teaspoon salt 1/4 teaspoon pepper 2 pounds sweet potatoes, sliced into 1/2-inch rounds 1 cup shredded romaine lettuce

1 tomato, chopped 1/3 cup sliced pitted Kalamata olives Heat oven to 400 F. To make Red Wine Dressing: Whisk together olive oil, vinegar, parsley, honey, garlic, salt and pepper. To assemble Roasted Sweet Potato Salad: Whisk together olive oil, vinegar, oregano, mint, garlic, salt and pepper; toss with potatoes until well-coated. Arrange in single layer on parchment paper-lined baking sheet. Roast about 30 minutes, or until golden brown and tender. Arrange sweet potatoes on serving platter. Top with lettuce, tomato and olives; drizzle with dressing. Tips: For traditional Greek flavor, sprinkle with crumbled feta cheese before serving. Alternatively, cut sweet potatoes into wedges.

continued from page 7 making contest will be open to both boys and girls, in two different age groups. The children will be supplied with model car kits and judged on who does best at putting one together. Another contest for kids is to see who can get the best greaser (greaser down hair) look. Of course, Lead East wouldn’t be Lead East without cars with 1,400 plus cars expected to arrive by Friday of the event. They come from not only New Jersey, but a variety of states. Also, they’re not all from the ‘50s. There will be cars from the 1930s – 1970s: classics, rot rods, muscle cars and more. One aspect of Lead East is

that of giving. Every year, Lead East picks a charity to support and this year it is the Ashley-Lauren Foundation which helps children in N.J. who have cancer. There will be a booth at which 50/50 tickets will be sold. Also, as it has been for many years, Piccatinny Arsenal, from Dover, will be on hand showing some of its military vehicles and collecting toys for Toys for Tots to be given out to needy area children at Christmas. The Parsippany police and fire departments are also expected to be on hand with vehicles and taking donations. For more information about Lead East, including admission, visit its site at https://www. leadeast.net.

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Local Nonprofit Foundation Receives Federal Money To Help Those With Paralysis

By Dawn M. Chiossi oday’s Care, Tomorrow’s cure:” This is the inspiring mission of the Christopher and Dana Reeve Foundation. On July 1, the Christopher and Dana Reeve Foundation in Short Hills received a three year, 6.5 million dollar federal grant to help people who are living with spinal cord injuries and other conditions that cause paralysis. Some of these conditions include spinal cord injury, multiple sclerosis (MS), amyotrophic lateral sclerosis, (ALS), stroke, spina bifida and cerebral palsy. This money will aid these people in the many battles and challenges they face on a daily basis, enhancing their lives. The foundation is the recip-

“

ient of the National Paralysis Resource Center cooperative agreement from the Administration for Community Living. The Reeve Foundation has operated the Paralysis Resource Center (PRC) for approximately 16 years. Quality of life: Everyone strives to obtain it, the enjoyment and independence that make life worth living. So many people take it for granted. But having quality of life is often difficult, if not nearly impossible, when people have physical disabilities impeding their way. But those from the Short Hills based Christopher and Dana Reeve Foundation seek to change that. Their belief is simple: That every human becontinued on page 12

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Local Nonprofit Foundation... cont. from page 10 ing should be able to obtain and lead full and rich lives, regardless of their physical condition. They have an unwavering conviction that every human being deserves a life filled with dignity. Both Christopher and Dana Reeve were staunch advocates and champions for the disabled. After his horse riding accident that left him paralyzed in 1995, actor Christopher Reeve put a human and familiar face on those who are enduring spinal cord injuries and paralysis. No more could people pretend that it was just an anonymous person who was suffering with a disability: Reeve was famous, and had been considered synonymous with Superman! But he was more than just a celebrity or a figurehead. He and his wife Dana were activists, driven to create positive changes. Utterly passionate regarding helping these fellow courageous folks living with physical challenges, Reeve simply considered them heroes. He staunchly sought to give them hope, because he knew how easily they could feel hopeless. A staggering 1 in 50 people in the United States, approximately 5.4 million Americans live with paralysis of some kind. And those aren’t just numbers or statistics; they are people close to us. “We all know someone a brother, sister, friend, neighbor or colleague who is suffering with paralysis. They aren’t strangers. They are one degree of separation from all of us,” officials assert. The Reeves’ Foundation is dedicated to performing innovative research, securing grants, providing information and much needed advocacy to aid their clients. During the past 16 years

and moving forward, The Reeve Foundation and National Paralysis Resource Center continue to compete in a rigorous bidding process for every three years’ worth of funding, but the results for their clients are golden. Since it opened in 2002, 100,000 people have been aided by this organization with approximately 20,000 people helped in the past three years alone. According to Anna Chamberlain, supervisor of Marketing and Communications for the Christopher and Dana Reeve Foundation since 2015, the Reeve Foundation has a dual mission. “We focus on creating resources and programs to help the 5.4 million Americans and their families impacted by paralysis though our Paralysis Resource Center while also funding innovative and cutting edge research to find cures for spinal cord injuries in the near future,” she explains. Offering a multitude of free services such as their peer program which offers a way of connecting individuals and caregivers with respective peer mentors to offer much needed emotional support, their military veterans program, information specialists, quality of life grants, program advocacy, and policy programs, these resources are designed to aid the whole individual. They empower both the body and spirit, to help to navigate the insecure journey ahead. “The programs help individuals return to actively participating in their communities, achieving independence and self-sufficiency, achieving things we take for granted like learning how to drive again, going back to work and even leaving their own homes are

also ways in which the PRC helps individuals every day.” Chamberlain enthuses. This recent grant will do so much for so many, making positive and uplifting differences in their lives. “We are thrilled that we can continue to expand our programs to help even more individuals and families create a pathway to navigate their way towards an independent and thriving future,” Chamberlain says. “In many ways the PRC provides hope that many have lost, especially after those few days and weeks after a traumatic injury or event. I am

personally thrilled we were evaluated on our demonstrated impact, value and positive outcomes. The PRC has helped so many families; it acts as a lifeline when their lives have changed in an instant. The grant will keep that lifeline open for those who need it the most.” Chamberlain sums up the mission of the Christopher and Dana Reeve Foundation perfectly: “We not only are giving helpful tools (to clients), we are giving hope.” To contact the Reeve Foundation, call 800-225-0292.

What’s happening in your school or organization? Have a human interest story or something you would like to share? Email us at hteditor@newviewmg.com

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Save Money, Live Easier With 5 Ways To Save For College

By Azalia Whitlock ongratulations! The college process is over! The applying, the application fees, the running around for recommendation letters. It’s all over. Now the whole family is probably running to the nearest Bed Bath and Beyond trying to find which comforter is the most “aesthetically pleasing” to the ideal dream college dorm. Before running for those necessities, come back to reality and realize that this isn’t the end of the worry. For most families, how much money college will cost is top priority because as years continue, the prices for schools climb. Have no fear, here are some ways for soon to be college students to save and make money to help them keep college costs as low as possible. Apply for federal work study Federal Work Study is a

program most schools have in which students receive a job through the student employment office. The money that the student earns does not go toward their tuition but instead goes to the student as cash during the semester. Depending on the school, they allow students a certain amount of money to earn. Mary Primich of Trenton, a sophomore at Monmouth University double majoring in secondary education and English, works on campus at Pollak Theater through federal work study. “It’s hard getting a job when you’re in school,” she says. “It’s cool how we’re able to work on campus throughout the semester and get paid for it. I use a little bit of it for day to day expenses and then the other half I save some of it to pay off my loans.” Federal work study is also a

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great way for students to get involved with their school as well as making money. Apply for EOF EOF (Educational Opportunity Fund), is a scholarship that allows New Jersey students to receive a well-rounded education that they normally would not be able to afford. Given to those students more than capable of doing great things after college, chosen applicants are given full admission to the university that they attend, financial support, and services throughout the year to help them succeed during their next four years. Arina Martin of Jackson, a sophomore at Monmouth University majoring in music, is one EOF scholarship recipient. She states “EOF has given me the opportunity to go to college when I couldn’t afford it. Without it (EOF), I’m not sure if I would have been able to go to a university.” Be sure to check out the school’s website for their EOF program or call the school’s EOF department for requirements in seeking this financial help. Staying at home for school isn’t always bad Community college saves students money on food, room and board as well as other expenses such as room décor and transportation. Kassidy Orzechowski of Clifton, who recently transferred from Monmouth to go to Bergen Community College explains “I was supposed to go to Montclair but Montclair suggested I go to my local community college because getting your associates degree counts as having your general education requirements completed, so it makes more sense and it’s cheaper.” Although some may look down upon going to a community college, many would agree

that these students are making a wise choice as the cost difference between a community college and a university is evident. Orzechowski explains, “I’m paying $2,500 to be a full-time student this semester instead of $16,000+ a semester. If I did this a year ago I’d be in a better position because no matter what all of my credits would have transferred so I’d be in a better position.” Sell old clothes to a local thrift store Selling items and clothing that the student no longer uses anymore is a perfect way to not only save and make money, but to help the student determine what items are important versus completely irrelevant. By selling clothes at stores such as Platos Closet in Ledgewood, a recycling store that allows customers to sell gently used clothes for cash and other items that they do not use, the student can save space in the car for move in day and make some extra cash. Bryanna Welch of Long Branch, a sophomore at Monmouth University majoring in sociology, endeavors in shopping at thrift stores. She states “If we are comparing goodwill to Urban Outfitters, then I would be saving so much money. Usually I compare quality and cleanliness of the clothing itself. I like good will because it helps out charities.” Summer jobs Summer jobs are a necessity for all college students. Considering there are three months of summer for the average college kid, there is more than enough time to get a job at any restaurant, movie theater or a bowling alley in order to start saving. Summer camps are perfect places to work over the summer because not only do people get paid for being a continued on page 14

Page 14 • August 28, 2018 • Home Town News • Zone 17 • Like us on facebook www.facebook.com/mypaperonline.com

Montville Realtor Earns Hall Of Fame Award

heryl Schuck with RE/ MAX Neighborhood Properties has received the RE/MAX Hall of Fame Award, which honors successful agents who have earned more than $1 million in commissions during their careers with the company. Less than 22 percent of all active RE/MAX agents have earned this prestigious award since its inception. “Cheryl’s tireless dedication to serving her clients, consumers and our community has allowed her to achieve this high honor,” said Silvia Bonaccorsi, broker/owner of RE/MAX Neighborhood Properties.

“Winning this award is a significant accomplishment and

we’re extremely proud that Cheryl is a member of our RE/ MAX team.” Schuck has been serving her community as a real estate agent for more than 17 years and has been with RE/ MAX Neighborhood Properties for the past five years. She has extensive experience with First Time Home Buyers, Relocation, and Foreclosures. Among Schuck’s list of achievements, she has earned The RE/ MAX Executive Club, RE/MAX 100% Club, and The Circle of Excellence Bronze and Silver Awards. In addition, Schuck actively supports The Housing

Partnership of NJ, Habitat for Humanity, and local charities supporting families in need. RE/MAX Neighborhood Properties is a locally owned and operated full-service real estate brokerage located in Montville. Founded in 2006, the brokerage has 41 realtors and specializes in both residential and commercial real estate. RE/MAX Neighborhood Properties is a proud supporter of Children’s Miracle Network Hospital, Holiday Express, Backpacks for Life, NCJAR Coat and Turkey Drive, and other charities. To learn more, visit rnphomes.com.

How To Make Smart Decisions During Benefits Enrollment Season

very fall, millions of American workers spend time making financial decisions that will affect them for the entire upcoming year. Benefits enrollment season is a critical time for choosing coverages that protect the health and financial stability of individuals and families. Despite the importance of these decisions, nearly half (49 percent) of people spend less than 30 minutes reviewing their options before making selections, according to research from Unum, a leader in employee benefits. Personal finance expert Laura Adams said not carefully reviewing all your employee benefits options can mean leaving money on the table or serious gaps in your financial safety net. “Employers are increasingly offering consumer-directed health plans, which typically charge lower premiums but higher deductibles and other out-of-pocket costs,” Adams said. “Because of these additional financial burdens, I always recommend taking advantage of your employer’s health savings account (HSA).” Money deposited into an

HSA is tax deductible even if you don’t itemize deductions on your tax return. It grows taxfree and it can be withdrawn tax-free for qualified medical expenses. Unlike some flexible spending accounts, the unused funds in HSAs roll over. In addition to your HSA contributions, review your employer’s voluntary benefits to help close gaps that can expose you to financial risk. Getting this coverage at work can be one way to gain access to a variety of affordable options. Voluntary benefits are also generally available to employees at a lower rate than the cost of getting coverage individually. Adams recommends carefully reviewing benefits materials provided by your employer prior to the open enrollment period, and paying special attention to the voluntary benefits that can help to reduce financial risk: • Disability insurance can help replace a portion of your paycheck should you get sick or injured and can’t work - you can think of it as income protection. Most plans will pay up to 60 percent of your salary if you’re unable to work due to a covered illness or injury.

• Term life insurance provides affordable protection for a specific period. Most people buy it during their working years so their death benefit can help loved ones manage their financial needs. • Accident insurance can pay you directly for costs associated with urgent care and emergency room visits, ambulance transportation and follow-up care. • Dental insurance is typically affordable and usually covers preventative cleanings, X-rays, exams and standard procedures. Fillings, crowns and other procedures are also generally included at a reduced

Save Money...

continued from page 13 little kid, but they get to catch some sun rays. Carolyn Welch of Long Branch, a sophomore at Monmouth University, says “Summer jobs are the way to go for college kids. You get bored in the summer anyways, so why not make some money!” Welch advises to incoming freshmen to “Get a job for the summer before you go to college and save up money for the first semester for whatever it is they want to spend it on whether it be going out to eat

rate to the policyholder. • Vision insurance is another low-cost voluntary benefit that covers routine eye exams, lenses, frames and, often, discounts on vision correction surgery. While these are just a few of the more popular voluntary benefits options, it’s important to review everything your employer offers. Investing a little additional time on the front end can help reduce your family’s financial risk down the road. For more information on different types of employee benefits, visit unum.com/benefits.

or shopping. If you receive any money for Christmas, be sure to save it up for the next semester and file for tax returns in March!” These tips and tricks to saving money have worked and though they may be minor, they do help to save money to buy books for a semester or décor for the dorm room. College is an expensive experience, but by working hard and keeping the future in focus, the end game can be capable of achieving.

Like us on facebook www.facebook.com/mypaperonline.com • Home Town News • Zone 17 • August 28, 2018 • Page 15

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