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What The Kids Get – Planning Your Legacy So Your Final Wishes Come

oliver-twist-007

November 14,2016

by Stephanie Fullerton

Ridgewood NJ, After a lifetime of working hard and saving faithfully, some people just want to enjoy retirement and spend their money without worrying about passing on anything to the next generation.

But plenty of others are determined to leave a legacy – whether it’s by bequeathing a tidy sum to their children and grandchildren, or bestowing a beloved charity with a parting donation.

Not everyone, though, takes the necessary steps to accomplish their goals.

“Don’t assume everything you have left when you die will go to your children or to your favorite cause,” says Stephanie Fullerton, president and co-founder of Fullerton Financial Planning Group and author of Living a Happy, Healthy and Inspired Retirement (www.Fullertonfp.com).

“Taxes and other costs can eat away at your legacy.”

That’s why it’s important to have a financial plan in place to help make sure as much of your wealth as possible ends up in the right hands.

It’s wise to seek professional advice from those who can guide you through the options, Fullerton says. Among some of the things to consider:

• A will. Everyone knows about wills, at least in theory, but that doesn’t mean they take the time to visit with an attorney and have one drawn up. A Harris Poll last year reported that 64 percent of Americans don’t have wills.
• An IRA. Many people think of an IRA as the nest egg that will help them survive retirement, but these accounts also are one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, Fullerton says, you might consider a legacy-planning strategy that will help reduce taxes and increase the payout your beneficiaries will inherit upon your death.
• Trusts. There are many different types of trusts, and they can be complex to set up and execute. However, a trust can be a flexible and advantageous means to transfer your assets in the future, Fullerton says. Most trusts also provide current benefits, such as tax-deferral and deductions. Unlike a will, a trust will avoid probate upon your death, but a trust is also more expensive to prepare. A qualified estate-planning attorney who specializes in these matters can explain more.

Before you get started on a plan, Fullerton suggests thinking about what types of gifts you want to leave to others – and it doesn’t have to be just money.

“It can be items you own, such as your house, a favorite work of art, special dishes used at every family gathering or a family heirloom,” she says.

You don’t even have to wait until you die, Fullerton says. Experiences also can be a legacy, such as taking a special trip each year with a different grandchild to give them memories that will last not only your lifetime, but theirs as well.

About Stephanie Fullerton

Stephanie Fullerton, author of  Living a Happy, Healthy and Inspired Retirement (www.Fullertonfp.com), is president and co-founder of Phoenix-based Fullerton Financial Planning. She and her husband, Steve, an investment adviser with Kingdom Financial Group, work together to assist clients in protecting their retirement savings and to create an income stream that will last a lifetime. She is featured on two weekly radio shows and frequently appears on local television.
Investment advisory services offered through Kingdom Financial Group, LLC, an SEC Registered Investment Advisor.

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Pitch Perfect’s Anna Kendrick to Appear at Bookends in Ridgewood Today at 6pm

Pitch Perfect's Anna Kendrick to Appear at Bookends in Ridgewood

November 14,2016

the staff of the Ridgewood blog

Ridgewood Nj, Bookends will host a Meet/Greet /PHOTO  for Anna Kendrick Monday, November 14th at 6:00pm ,Star of Pitch Perfect , Books pre-signed “Scrappy Little Nobody” .

Anna Kendrick (born August 9, 1985 )is an American actress and singer. She began her career as a child actor in theater productions. Her first prominent role was in the 1998 Broadway musical High Society, which earned her a Tony Award nomination for Best Featured Actress in a Musical. She made her film debut in the musical comedy Camp (2003).

Kendrick rose to prominence for her supporting role in The Twilight Saga (2008–12), the film franchise based on Stephenie Meyer’s book series. She received an Academy Award nomination for Best Supporting Actress for her performance in Up in the Air (2009).

Kendrick has also featured in the comedy-drama 50/50 (2011), the crime-drama End of Watch (2012), the musical-fantasy Into the Woods (2014), and the adult comedy Mike and Dave Need Wedding Dates (2016). She achieved further fame for playing the protagonist in the 2012 musical comedy Pitch Perfect and the 2015 sequel, Pitch Perfect 2.

Appearing authors will only autograph books purchased at Bookends and must have valid Bookends Receipt.

Availability & pricing for all autographed books subject to change.
First In Line Certificate use is the the discretion of Bookends. Blackout dates may apply.
Bookends cannot guarantee that the books that are Autographed will always be First Printings.
Autographed books purchased at Bookends are non-returnable.

While we try to ensure that all customers coming to Bookends’ signings will meet authors and get their books signed, we cannot guarantee that all attendees will meet the author or that all books will be signed.  We cannot control inclement weather, author travel schedules or authors who leave prematurely.

Bookends, 211 E. Ridgewood Avenue, Ridgewood, NJ   07450   201-445-0726

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NJ TRANSIT ELECTRONIC TICKETING SETS NEW SALES RECORDS

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MyTix sales soar past one million tickets and passes for October

November 14,2016

the staff of the Ridgewood blog

Ridgewood NJ, “The ease and convenience of purchasing tickets and passes right from a smartphone continues to become more popular with our customers each month, making NJ TRANSIT a national leader in this new technology” said Executive Director Steven H. Santoro.  “As we reach these milestones, we continue to look for new ways to add additional functionality to the MyTix program and lead from the front on this digital platform.” NJ TRANSIT’s customers are downloading their way to electronic ticketing in record setting numbers.  During the month of October, the digital system known as MyTix shattered its record for most tickets and passes sold in one month, and in doing so, crossed the one million mark for the first time.  In addition, November 1st set a single day sales record.

During the month of October 2016, more than one million tickets and passes were purchased through the MyTix feature, surpassing the previous monthly record of more than 990-thousand set in August 2016.  As a comparison, January 2016 saw monthly sales of 690-thousand tickets and passes.  Year to date MyTix sales have grown 46 percent.

On November 1, 2016, MyTix set a single day sales record with more than 71-thousand tickets and passes sold, breaking the previous single day record of more than 65-thousand set on August 1, 2016.

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Valley Hospital Medicare Open Enrollment Event Advisory

seniors

November 13,2016

the staff of the Ridgewood blog

Paramus NJ,The Valley Hospital/Mount Sinai Comprehensive Cancer Care will present a Medicare Open Enrollment event that’s open to the public on Wednesday, November 16, from 1 to 3 p.m., at the Dorothy B. Kraft Building on 15 Essex Road in Paramus, New Jersey. A state-trained and certified State Health Insurance Program (SHIP) Medicare Counselor from the Bergen County Division of Senior Services in Hackensack will be available to assist with Medicare Open Enrollment and answer questions related to Medicare, including the following: Medicare changes for 2017, differences between Medicare and HMO Medicare Advantage plans; 2017 prescription plans; benefits to choosing a Medicare plan versus a HMO Medicare Advantage plan; differences between Part A, B, C Medicare; out-of-pocket expenses; social security; and pharmaceutical assistance.

Those interested in attending should RSVP to Gail Johnson, Patient Financial Advocate at The Valley Hospital, at 201-634-5644 or [email protected]

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Ridgewood Emergency Services conducting annual fund drive

Ridgewood Emergency Services

November 13,2016

the staff of the Ridgewood blog

Ridgewood NJ, The annual Ridgewood Emergency Services fund driver letter has been mailed to all residents and business in the village and is seeking the community’s financial support to ensure it is able to provide emergency assistance to the village 24 hours a day, seven days a week throughout the year.

The volunteers willingly respond to all types of critical situations the village faces, including snowstorms, hurricanes, floods, power outages and medical emergencies. The squad also stands by at village events including street fairs, the car show, Memorial Day and July 4 th festivities, high school football games and more.

With your financial support, this past year brought a lot of advances in RES patient care. RES was able to purchase CPAP devices (advanced continuous positive airway pressure devices, which can help patients with breathing problems), LUCAS automatic chest compression devices (for more effective CPR), and power lift stretchers (to reduce the occurrences of backinjuries) are equipment that your donations purchased.

RES also maintains 25 public access defibrillators in the Village. The department has responded to over 1704 requests thus far in 2016, which equates to over 15,804 cumulative volunteer hours.

“Please consider supporting our organization with a financial contribution so that the community can continue to count on the volunteers to respond to all of its needs,” said Director and Chief Tony Lillo.

Please make checks payable to F.O.R.E.S.T. (Friends of Ridgewood Emergency Services Teams), 131 North Maple Ave Ridgewood NJ 07450. Online at www.ridgewood911.org. F.O.R.E.S.T. is a charitable organization under IRS section 501(c) (3) so all contributions are tax deductible.

Should you be interested in exploring the idea of becoming a member, please call us at (201) 670-5570. The comprehensive training you’ll receive is free, and while rigorous, it is personally rewarding.

Please visit our web page www.ridgewood911.org and like us on Facebook. https://www.facebook.com/Ridgewood-Emergency- Services-209968945684817/

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Rear end collision at the intersection of North Maple Avenue and Franklin Avenue in Ridgewood No Serious Injury

Rear end collision

photos courtesy of Boyd Loving’s Facebook page

November 13th 2016

the staff of the Ridgewood blog

Ridgewood NJ, A two (2) vehicle rear end collision at the intersection of North Maple Avenue and Franklin Avenue in Ridgewood caused heavy damage to both vehicles involved, but their respective occupants escaped without serious injury. Separate flatbed tow trucks were called to remove the wrecked sedans. Ridgewood PD, FD, and EMS responded. Ridgewood FD personnel contained a minor crash related fluid spill.

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Ridgewood Community Pasta Dinner at Emmanuel Baptist Church

Emmanuel Baptist Church
Tue, November 15, 2016
Time: 6:00 PM

Location: Emmanuel Baptist Church, 14 Hope Street, Ridgewood, NJ 07450

Event Description

Community Pasta Dinner
Tuesday, November 15th at 6:00pm
Emmanuel Baptist Church
14 Hope Street
Ridgewood, NJ 07450

Ridgewood NJ, Emmanuel Baptist Church is offering a non fundraising Community Pasta Dinner on Tuesday, November 15th, at 6 p.m. as part of their outreach program. Dinners are offered the third Tuesday of each month. Dinner of pasta, meatballs, sausage, salad, dessert and coffee will be served at 6 p.m. in Heritage Hall, which is on the Lower Level at Emmanuel. The suggested donation is $4 per adult and $2 per child. Since there is limited space, it is suggested that you reserve your seat by calling the church office at 201-444-7300, by November 10th.

Event Links:
https://www.facebook.com/events/161210987673092/

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Ridgewood Open Houses for November 13,2016

for sale Ridgewood_Real_Estate_theRodgewopodblog
file photo by Boyd Loving

1644654.1 MLS # 1644654
140 Bellair Rd, Unit N, Ridgewood, NJ 07450
2 Bedroom, 2 Full Bath,
1 Half Bath, Condo
Donna Dever, Sales Associate
Coldwell Banker, Wyckoff/Franklin Lakes

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
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1635658.1 MLS # 1635658
30 Maltbie Ave, Ridgewood, NJ 07450
3 Bedroom, 1 Full Bath, Col
Ghada Abbasi, Sales Associate
Coldwell Banker, Ridgewood

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
23

1634331.1 MLS # 1634331
640 Linwood Ave, Ridgewood, NJ 07450
3 Bedroom, 2 Full Bath,
1 Half Bath, Col
Theresa Jung, Sales Associate
Realty 7, LLC

  • Open House: 2:00 P.M. – 5:00 P.M. Sun. 11/13
23

1639914.1 MLS # 1639914
165 Kemah Rd, Ridgewood, NJ 07450
3 Bedroom, 2 Full Bath, Col
Nicholas R. Alutin, Sales Associate
Keller Williams Village Square Realty

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
25

1623138.1 MLS # 1623138
182 Mountain Ave, Ridgewood, NJ 07450
3 Bedroom, 2 Full Bath,
2 Half Bath, Col
Frances Blakely, Sales Associate
RE/MAX Hometowne Realty

  • Open House: 1:00 P.M. – 3:00 P.M. Sun. 11/13
24

1641375.1 MLS # 1641375
327 Spring Ave, Ridgewood, NJ 07450
6 Bedroom, 2 Full Bath,
1 Half Bath, Col
Ghada Abbasi, Sales Associate
Coldwell Banker, Ridgewood

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
25

1636404.1 MLS # 1636404
344 Grandview Cir, Ridgewood, NJ 07450
4 Bedroom, 4 Full Bath,
1 Half Bath, Col
Megan Zangrilli, Sales Associate
Keller Williams Village Square Realty

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
25

1644183.1 MLS # 1644183
650 Wall St, Ridgewood, NJ 07450
5 Bedroom, 4 Full Bath, Col
Anne C. Ryoo, Sales Associate
Tarvin Realtors

  • Open House: 1:00 P.M. – 4:30 P.M. Sun. 11/13
25

1630026.1 MLS # 1630026
279 West End Ave, Ridgewood, NJ 07450
5 Bedroom, 3 Full Bath,
2 Half Bath, Col
Frances Ekblom, Sales Associate
Tarvin Realtors

  • Open House: 1:00 P.M. – 4:30 P.M. Sun. 11/13
25

1639675.1 MLS # 1639675
668 Wall St, Ridgewood, NJ 07450
6 Bedroom, 6 Full Bath, Col
Antoinette Gangi, Sales Associate
Rita Nulman, Sales Associate
Keller Williams Valley Realty

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
25

1637243.1 MLS # 1637243
286 Highland Ave, Ridgewood, NJ 07450
6 Bedroom, 4 Full Bath,
3 Half Bath, Col
Jennifer M. Parsekian, Broker
Keller Williams Village Square Realty

  • Open House: 1:00 P.M. – 4:00 P.M. Sun. 11/13
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Paramedic team from The Valley Hospital Assists in Moving Van Accident in Ridgewood

Moving Van Accident in Ridgewood

Photos courtesy of Boyd Loving’s Facebook

November 13,2016

the staff of the Ridgewood blog

Ridgewood NJ, The driver of a small moving van lost control of his vehicle, left the roadway and subsequently knocked over a street sign before crashing into a tree at the intersection of North Monroe Street and Farview Street, Ridgewood late Saturday night, 11/12. Ridgewood PD, FD, and EMS personnel responded to aid the victim, who was transported by ambulance to The Valley Hospital. A paramedic team from The Valley Hospital assisted with patient care. The crumpled vehicle was removed from the scene by a hydraulic lift tow truck. The contents of the moving van at the time of impact included a piano.

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Reader says Pedestrians Cut your risk factor by wearing bright colored clothing

Pedestrian Struck On Goffle Road in Ridgewood

file photo by Boyd Loving

Cut your risk factor by wearing bright colored clothing. “New York Black” may make you look slimmer, but walking or jogging in anything other than bright sunlight while wearing black astronomically increases your risk of getting whacked by a vehicle. If insist on wearing all black, for whatever asinine reason that might be, carry a high visibility safety vest in your briefcase/purse and put it on just before you get off the bus/train and start the walk home. Also a good thing to carry to a shopping center parking lot. In Europe, it’s common to see pedestrians wearing high visibility clothing. What’s wrong with us in this country that black is the only color some people will wear outside?

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Bolger Heritage Center, Ridgewood Public Library Presents Who Was John Jacob Zabriskie?

John Jacob Zabriskie

 

November 12,2016

the staff of the Ridgewood blog

Ridgewood NJ, Who Was John Jacob Zabriskie? The Zabriskie family is one of the original settlers in Bergen County dating from the 1600s. John Jacob Zabriskie of “Hohokus” is one of many in a long line of descendants who had a decided impact on the way of life in Bergen County. This presentation will correct some historical and biographical misinformation to see who he was & what accomplishments, professions, lifestyle & other details are known about John Jacob Zabriskie. All welcome, Belcher Auditorium. Speaker Stanley Kober

Monday at 7 PM – 8:30 PM

Bolger Heritage Center, Ridgewood Public Library
125 N Maple Ave, Ridgewood, New Jersey 07450

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Woman’s Club of Ridgewood to Host Kennedy Odele & Jessica Posner

Find Me Unafraid
Thu, November 17, 2016
Time: 6:30 PM – 9:00 PM

Location: Woman’s Club of Ridgewood, 215 W Ridgewood Ave., Ridgewood, NJ 07450
Cost: $50 per person

Kennedy & Jessica Odede will be stopping by the clubhouse to discuss their book, Find Me Unafraid and for a Meet & Greet with Questions. Interviewed by Larry King, Nicholas Kristof, and Christiane Amanpour, this couple has built a foundation that helps bring hope to the urban poor in Kenya. Amazing Story.

“Find Me Unafraid tells the uncommon love story between two uncommon people whose collaboration sparked a successful movement to transform the lives of vulnerable girls and the urban poor…with their foundation called Shining Hope for Communities (SHOFCO).”
“The alchemy of their remarkable union has drawn the support of community members and celebrities alike—The Clintons, Mia Farrow, and Nicholas Kristof are among their fans—and their work has changed the lives of many of Kibera’s most vulnerable population: its girls.” –
Goodreads

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Top 5 Favorite Restaurants Near Ridgewood, NJ

CBD ridgewood ArtChick

file photo by ArtChick

By William Abels

November 11, 2016

Looking to find the best food in and around Ridgewood, NJ? Ridgewood, NJ is home to some of the best restaurants in the country, and even in the world.  Whether you’re in the mood for fine dining, sushi, southern fried, or BBQ, Ridgewood, NJ offers dishes that will not disappoint.

Finding a place to eat in a new city can be daunting. Don’t settle for a quick meal at one of those chain restaurants. Did you know that most of the food served at chain restaurants come fresh out of the freezer? Yuck! Take advantage of the great restaurants located around Ridgewood, NJ. Your taste buds and significant other will thank you.

https://www.jacksonobserver.com/top-5-favorite-restaurants-near-ridgewood-nj/28003/

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Night delight: ‘supermoon’ to grace Earth’s skies

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By Irene Klotz
Reuters November 11, 2016

CAPE CANAVERAL, Fla. (Reuters) – The largest, brightest full moon in nearly seven decades will be on display in the coming days, promising Earth-bound sky-watchers a celestial “supermoon” spectacle.

The full moon will come nearer to Earth than at any time since 1948, astronomers said. At closest approach, which occurs at 6:23 a.m. EST on Monday, the moon will pass within 216,486 miles (348,400 km) of Earth’s surface, about 22,000 miles (35,400 km) closer than average, they added.

The moon’s distance from Earth varies because it is in an egg-shaped, not circular, orbit around the planet.

If skies are clear, the upcoming full moon will appear up to 14 percent bigger and 30 percent brighter than usual, making it what is called a supermoon, according to NASA. A supermoon occurs when the timing of a full moon overlaps with the point in the moon’s 28-day orbit that is closest to Earth. About every 14th full moon is a supermoon, said University of Wisconsin astronomer Jim Lattis.

The next time a full moon comes as close to Earth will be in 2034.

https://www.yahoo.com/news/night-delight-supermoon-grace-earths-skies-130411554.html

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Ridgewood Joins the Growing Chorus of North Jersey Towns Opposing the Pilgrim Pipeline

Tanker Train

tanker cars are Ridgewood Train Station

November 12,2016

the staff of the Ridgewod blog

Ridgewood NJ, Ridgewood has joined a growing chorus of North Jersey towns opposing the Pilgrim Pipeline.It passed a resolution, 4-0, with Councilwoman Bernadette Walsh recusing herself.

The Village now joins over 28 towns along the proposed Bergen County route to oppose the controversial Pilgrim Pipeline .

Pilgrim Pipeline LLC has proposed a brand new oil pipeline across northern New Jersey that would connect Albany, NY and Linden NJ.

The Sierra club has harped on safety issues in claiming the , “This bidirectional pipeline would carry corrosive, volatile Bakken crude oil through our communities.”

From the The Sierra club website , “Pipeline construction would have deleterious effects on both the open spaces and urbanized communities through which it would pass. In the Highlands and other sensitive areas, we would see wetlands destroyed, drinking water and critical habitats threatened, endangered species leveled to the ground, and impacts to waterways from more erosion due to construction. The pipeline would pass through environmental justice communities that have already seen too much air and water pollution as a result of the fossil fuel industry.”

The go on to say ,”The pipeline will carry North Dakotan Bakken shale oil. Produced through fracking, it is one of the most explosive types of oil in the world. In February the *Wall Street Journal* compared oil from 86 locations around the world and found Bakken crude oil to be the most explosive. Bringing this fuel into our state endangers our families, property, and environment.”

Sounds like a lot of anti-growth , anti-fossil fuels mumbo jumbo that the left uses in this country to stall progress.

The reality is there are zero recorded instances of crude oil exploding while being transported via pipeline in the United States. The differing levels of volatility inherent to different types of crude are rendered moot during pipeline transportation, as there is no air pressure or jostling that occurs inside a pipeline – the necessary factors for an explosion to take place. Bakken oil is already being transported between Albany and Linden by river barge and train; Pilgrim would transport this same oil by pipeline, the safest mode of transportation for these energy products.

The Pipeline Pilgrim is proposing will have an overwhelming majority of the projected pipeline route run along existing rights of way. In New York, as it heads south from Albany, the pipeline would run along the New York State Thruway within the existing highway easement. Landowners on either side of the Thruway may receive survey letters per NY state regulations requiring land adjacent to the proposed route to be reviewed for a variety of reasons, including environmental, archeological, etc. – a standard requirement for permit applications. The same is true of New Jersey, where the vast majority of the route would run along existing utility rights of way, and surveys must be conducted per New Jersey state regulations that mandate a standard land review requirement for permits. Depending on local geography, the range of review in both states is between 50 to 300 feet to either side of the centerline, which is why property owners receive survey requests. The footprint of the pipeline itself is only about 5 and ½ feet.

As of 2013 nearly half a million carloads of crude oil were transported by rail in the United States. In New Jersey alone, there are approximately 2,400 miles of rail freight lines. In recent years there has much fear about transporting oil through populated areas ,like Ridgewood by rail .

Moving oil and gas by pipeline was 4.5 times safer than moving the same volume the same distance by rail in the decade ended in 2013 in Canada, according to a new study by the Fraser Institute public policy think-tank.The study concluded pipelines are likely to experience 0.049 occurrences per thousand barrels of oil equivalent transported and rail will experience about 0.227 occurrences per thousand boe transported.

In The Wall Street Journal piece ,”How to Transport Oil More Safely”, “Pipelines are typically the cheapest, and in some cases quickest, way to move crude in the U.S., and they spill less often than other transport methods. In 2014, pipelines delivered 3.4 billion barrels of crude oil to U.S. refineries, according to Energy Information Administration data. The Association of Oil Pipe Lines says it has a 99.999% safe-delivery rate on these shipments. “On an apples-to-apples basis, pipelines have less accidents, cause less environmental damage and cause less harm to human health than do railcars moving comparable masses of oil and gas,”

In the New TYork Times article ,”Accidents Surge as Oil Industry Takes the Train” Today about two-thirds of the production in North Dakota’s Bakken shale oil field rides on rails because of a shortage of pipelines. And more than 10 percent of the nation’s total oil production is shipped by rail. Since March there have been no fewer than 10 large crude spills in the United States and Canada because of rail accidents. The number of gallons spilled in the United States last year, federal records show, far outpaced the total amount spilled by railroads from 1975 to 2012.

While nothing is fool proof , it would be wise to do some honest hard work on the issue instead of passing silly resolutions based on one-sided politically motivated sources of information .