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What Drives Foreigners to Join the Islamic State?

ISIS_theridgewoodblog

Hint: It’s not primarily poverty, political grievances, feelings of marginalization or lack of integration. When will world leaders wake up?
BY RYAN MAURO

Tue, August 30, 2016

Almost 15 years after the 9/11 attacks, the West is still debating the cause of such terrorism even as repeated studies and common sense points in one direction:  Islamist ideology based on certain religious interpretations.

Now we can add another study to this heap of evidence, as a new study of foreign fighters has confirmed that ideology is the primary factor.

The new study released by the Canadian Network for Research on Terrorism, Security and Society is based on interviews with 40 foreign fighters who went overseas to join Islamist terrorist groups in Iraq and Syria and 100 other relevant players, such as their family members and online supporters.

Of these, 15 joined the Islamic State (ISIS or ISIL), 12 joined Jabhat al-Nusra (Al-Qaeda’s Syrian wing), three joined the Free Syria Army and 10 joined other rebel groups, mostly jihadist in nature.

Here are five of the most important findings from the study:

The primary factor is religious interpretation.

“As our interactions with these individuals are so heavily mediated by a religious discourse, we also think that religiosity (i.e., sincere religious commitment, no matter how ill-informed or unorthodox) is a primary motivator for their actions. Religion provides the dominant frame these foreign fighters use to interpret almost every aspect of their lives.”

And:

“There is a real concern with real moral issues, with knowing and doing the right thing—again, not as determined by the seeming apathetic and corrupt surrounding society but by some higher or transcendent authority.”

This is the obvious conclusion that many observers have sought to deny, such as when former State Department Deputy Spokesperson Marie Harf said ISIS is caused by unemployment and subsequently defended her comments. She was laughed out of her job, but her illogical understanding of the problem remains pervasive as many Westerners desperately seek to find a more comforting and relatable cause than Islamism for Islamist terrorism.

One Western Muslim told the authors, “The zeal of jihad always struck me when I would sit in my room and read Quran with English translation. I would wonder how jihad was fought today.”

The political gripes of the Islamist terrorists are a subset of their religious gripes.

“[Most] provided justifications for being a foreign fighter that were largely moral and religious in character, more than explicitly political.”

The researchers found that the decision to become a foreign fighter was more about rejecting Western governments and societies than a decision to combat Western foreign policy.

The common mantra that Islamist radicalization is simply a religious expression of political protests over Western “imperialism” is false. The primary factor is the adoption of the ideology and those that hold that ideology will become exponentially more infuriated over the West’s foreign policy. If you believe in resurrecting the caliphate, then you’ll rage against the West’s presence in the Middle East that stands in your way.

It’s not about inequality.

“None indicate, directly or indirectly, that forms of socio-economic marginalization played a significant role in their motivations to become a foreign fighter.”

Here we have yet another study finding no connection between Islamist radicalization and unemployment, poverty, lack of education, broken families, mental illness, etc. About half of the foreign fighters in this sample went to university and one-third graduated.

The study identified five “ecological niches of homegrown terrorism:” Late modernity (our Internet-driven society); the immigrant experience (most come from Muslim immigrant families); youthful rebellion; ideology and group dynamics.

The linkage between Islamism and lack of integration is overemphasized.

“The correlation between marginalization or lack of integration and radicalization are not as robust as commonly assumed.”

Previous studies have shown a linkage between a lack of assimilation and Islamist radicalization. For example, Marc Sageman’s pivotal study based on 400 biographies of Al-Qaeda members found that80% “were, in some way, totally excluded from the society they lived in.”

This study doesn’t deny that a correlation exists, but rather that the correlation is played up too much. The authors refer to how some respondents described feeling out of place in the West as they saw how it conflicted with their faith. In these cases, the religious belief is prompting the individual to marginalize himself, as opposed to Western society marginalizing the individual and pushing him towards radical beliefs.

They aren’t lone wolves.

“The process of self-radicalization needs to be legitimated to be complete.”

The researchers found that, in most cases, “outside mentors” enter the Islamist’s life and guide him into becoming a foreign fighter. They are not lone wolves if they are being led, even if it is online.

The West can either craft a strategy for each Islamist terrorist group it goes up against, starting over and over with each new manifestation or it can target the common variable between all of them. This study, like others before it, finds that the common variable is Islamism and its foundational religious interpretations.

Ryan Mauro is ClarionProject.org’s national security analyst, a fellow with Clarion Project and an adjunct professor of homeland security. Mauro is frequently interviewed on top-tier television and radio. Read more, contact or arrange a speaking engagement.

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FBI says foreign hackers penetrated state election systems

Badge - 2008 election

Michael Isikoff
Chief Investigative Correspondent
August 29, 2016

The FBI has uncovered evidence that foreign hackers penetrated two state election databases in recent weeks, prompting the bureau to warn election officials across the country to take new steps to enhance the security of their computer systems, according to federal and state law enforcement officials.

The FBI warning, contained in a “flash” alert from the FBI’s Cyber Division, a copy of which was obtained by Yahoo News, comes amid heightened concerns among U.S. intelligence officials about the possibility of cyberintrusions, potentially by Russian state-sponsored hackers, aimed at disrupting the November elections.

Those concerns prompted Homeland Security Secretary Jeh Johnson to convene a conference call with state election officials on Aug. 15, in which he offered his department’s help to make state voting systems more secure, including providing federal cybersecurity experts to scan for vulnerabilities, according to a “readout” of the call released by the department.

Johnson emphasized in the call that Homeland Security was not aware of “specific or credible cybersecurity threats” to the election, officials said. But three days after that call, the FBI Cyber Division issued a potentially more disturbing warning, titled “Targeting Activity Against State Board of Election Systems.” The alert, labeled as restricted for “NEED TO KNOW recipients,” disclosed that the bureau was investigating cyberintrusions against two state election websites this summer, including one that resulted in the “exfiltration,” or theft, of voter registration data. “It was an eye opener,” a senior law enforcement official said of the bureau’s discovery of the intrusions. “We believe it’s kind of serious, and we’re investigating.”

https://www.yahoo.com/news/fbi-says-foreign-hackers-penetrated-000000175.html

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Governor Christie Announces Trio of Fiscally Responsible Public Employee Contract Agreements

Chris_christie_theridgewoodblog

August 29, 2016

the staff of the Ridgewood blog

IFPTE & IBEW Financial Terms Protect Taxpayers, Ensure Public Services

Trenton, NJ , Governor Chris Christie today announced a key public employee contract agreement with the International Federation of Professional and Technical Engineers (IFPTE), as well as two agreements with the International Brotherhood of Electrical Workers (IBEW). These state worker contracts, reflective of the state’s fiscal realities and budget challenges, will not require tax hikes, as taxpayers routinely experienced under past governors.

IFPTE’s negotiated settlement, ratified by the union last month, is retroactive to July 1, 2015 and extends through Fiscal Year 2019. Its financial terms include the following across-the-board salary increases: July 1, 2015 – 0 percent; July 1, 2016 – 0 percent; July 1, 2017 – 1.75 percent, and July 1, 2018 – 1.5 percent. This contract covers approximately 4,500 employees of the state and public higher education institutions.

The two negotiated settlements ratified by IBEW locals this month are also retroactive to July 1, 2015 and extend through Fiscal Year 2019, including the same across-the-board salary increases as IFPTE’s settlement. These two contracts cover an approximate total of 1,150 state employees, including several hundred in various managerial positions and hundreds of state attorneys.

“We have again negotiated fiscally responsible state employee contracts that protect taxpayers, provide the budgetary flexibility to fund public services and keep government wages in line with the private sector,” Governor Christie said. “This is how public worker negotiations should be, with union leaders and membership agreeing to sustainable fiscal decisions that they understand will benefit all residents. These are model public employee contracts to be followed by government at all levels in New Jersey and across the country.”

As Governor Christie has previously noted, he has similar expectations from the other public employee unions with which the Administration continues to negotiate another round of labor contracts.

In its first round of agreements with state employee unions, the Christie administration stood with taxpayers to produce 0-percent wage increases for tens of thousands of employees in 2011 and 2012, followed by a 1-percent increase and 1.75-percent increase in 2013 and 2014, respectively. Under the governor’s leadership, across-the-board wage increases have totaled only 6 percent over eight-years of negotiated agreements, an average of just .75 percent per year, which is in addition to the landmark pension and health benefit reforms enacted to save taxpayers tens of billions of dollars.

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Ridgewood’s Super Soccer Saturday September 10th

Ridgewood soccer saturday
Sat, September 10, 2016
Time: 11:00 AM

Location: RHS Stadium, 627 E. Ridgewood Ave., Ridgewood, NJ 07450

Ridgewood NJ, On Saturday, September 10, 2016, players from all three levels of the men’s and women’s high school soccer teams, including Freshman, Junior Varsity and Varsity, will play home games at Ridgewood High School. “Super Soccer Saturday” as the day has come to be called, is a special day for all soccer players in town when more than 200 youth and high school players and their families gather at Ridgewood High School to celebrate the beautiful game of soccer.

The day kicks off at 11:00 am and the six high school teams will play rival teams continuously until 9 pm. A highlight of Super Soccer Saturday is the parade of youth players who accompany the Varsity teams onto the field during the pregame ceremonies. All members of the Ridgewood community are
encouraged to come out for Super Soccer Saturday and support the high school players.

Proceeds from sponsorships and from food and merchandise sales will help support both the men’s and women’s soccer programs. Donations from Super Soccer Saturday will also benefit Amy McCambridge, a Ridgewood mother, Marine Corps veteran, former RHS soccer player and Maroons Soccer coach who is dealing with health issues.

We are seeking businesses to sponsor this event. Your support of this event at any level would be
greatly appreciated. All sponsors will be acknowledged on the event t-shirts.
Thank you in advance for your consideration.

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Shifting to a Full-Day Kindergarten Program in Ridgewood

home alone

FAQ: Shifting to a Full-Day Kindergarten Program in Ridgewood

● Why is the District considering a full-day program after years of a successful half-day program?

○ The definition of success has shifted with the times, and although Ridgewood has a high-quality Kindergarten program, it is rushed and lacks adequate time for structured socialization and free play. Students who encounter more structured play around learning will better internalize that learning because at this age, play is how children learn. Additionally, social skills such as executive functioning and self-regulation of behavior are learned through play, often which is unstructured. A half-day program does not allow time for these essential learning opportunities for our students.

● How will the curriculum of a full-day program differ from that of the half-day program?

○ A full-time program will include more time for learning centers, which are essentially structured play experiences designed to reinforce conceptual learning. Additionally, more time will be dedicated to free-play centers, in which students make up rules to self-created games and make-believe. This free-play socialization will be supervised by, not structured by, adults. Another change to the day is that students will remain in school for lunch and will have snack and extended time for key content such as shared reading and writing.

● What would be the daily schedule and hours of a full-day program?

○ Kindergarten will run on the same schedule as the other grades in the school (8:30 a.m. – 3 p.m.). A daily schedule for the full-day program was shared with the Board of Education and the public at the June 28, 2016 Board meeting. That presentation can be found in the Board of Education Presentations folder on the Curriculum page of the district website at www.ridgewood.k12.nj.us.

● How many other districts still have half-day Kindergarten programs?

○ Ridgewood is the only half-day program left in Bergen County. There are very few districts left in the state with a half-day program. The most common Kindergarten programs offer five full-days of school.  Those districts which were half-day have mostly moved to full-day programs in the last five years.  In 2014, 73% of programs statewide were full-day. The percentage was even higher in Bergen County, where 65 out of 72 districts (about 90%) offered full day programs. Since 2014, Glen Rock, Fairlawn, Rutherford, Mahwah, Waldwick and Midland Park have moved to fullday Kindergarten.  The Ramsey Kindergarten program consists of an optional, fee-based enrichment extended-day program, which the vast majority of children attend. Allendale, Franklin Lakes and Wyckoff have programs consisting of two halfdays / three full days, a model that is not very popular and the implementation cost is equal to that of a traditional full-day program.

● Would parents be required to enroll their children for the entire day if Ridgewood moved to full-day Kindergarten?

○ Yes, if the Ridgewood Public School district shifts to a full-day Kindergarten program, all enrolled students will be registered for five full days each week.

● Where will Kindergarten children eat lunch?

○ This will be a building-by-building decision, based on space and what the principal deems best for the program in their building.

● Will Kindergarten students have recess with all other students and how will their recess be supervised? ○ Kindergarten students would have more than one “recess” play time in their schedule. The schedule, location, and supervision of that recess would depend on individual building schedules. However, in all buildings the recess/lunch period of 45 minutes would be extended to one hour for Kindergarten students. Classroom teachers would supervise the additional 15 minutes at the end of recess to settle students down and prepare them for afternoon learning sessions.

● What are the anticipated class sizes for a full-day program? ○ Kindergarten class sizes would follow the Ridgewood Board of Education guidelines of 18 to 22 children per classroom.

● Can the district facilities / physical spaces accommodate full-day Kindergarten?

○ In November 2015 demographic consultant Ross Haber presented to the Board of Education the results of an enrollment and facility utilization study in which all of the Ridgewood elementary principals participated by discussing their buildings and classroom space. The report shows that over the last three years the district has seen a decrease in enrollment and indicates that our elementary schools can accommodate full-day Kindergarten. The demographer’s report is available for reading in the Fullday Kindergarten Exploratory Committee folder on the Curriculum, Instruction and Assessment page of the district website at www.ridgewood.k12.nj.us.

● How will the decision be made to move to full-day Kindergarten in Ridgewood?

○ On General Election Day, Tuesday, November 8, Ridgewood voters will be asked to approve full-day Kindergarten in the District. This vote will be done in the form of a “second question” on the ballot. All residents who are registered voters may participate. Voter registration forms may be found at on the Bergen County website at https://www.co.bergen.nj.us/DocumentCenter/View/1224.

● What is the purpose of a second question on a ballot?

○ A second question can only be placed on the ballot when a school district is asking for something new, such as full-day Kindergarten or a new program. Since the costs of these additional services and associated personnel can exceed the state-imposed two percent cap on budget increases, the public must vote on them.

● What would be the tax impact on a “yes” vote for the second question on full-day Kindergarten?

○ If full-day Kindergarten is passed by the voters, the average Village assessed home of $693,904 would have taxes increased by approximately $111.

● Is there any possibility that the State will require districts to provide full-day Kindergarten?

○ This is not known at this time.

● Where can I go for more information on full-day Kindergarten in Ridgewood?

○ The Full-day Kindergarten Exploratory folder may be found on the Curriculum, Instruction and Assessment page of the district website at www.ridgewood.k12.nj.us.

Revised August 23, 2016

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An Internet Giveaway to the U.N.

photo internet safety1

If the U.S. abdicates internet stewardship, the United Nations might take control.

By L. GORDON CROVITZ
Aug. 28, 2016 5:52 p.m. ET

When the Obama administration announced its plan to give up U.S. protection of the internet, it promised the United Nations would never take control. But because of the administration’s naiveté or arrogance, U.N. control is the likely result if the U.S. gives up internet stewardship as planned at midnight on Sept. 30.

On Friday Americans for Limited Government received a response to its Freedom of Information Act request for “all records relating to legal and policy analysis . . . concerning antitrust issues for the Internet Corporation for Assigned Names and Numbers” if the U.S. gives up oversight. The administration replied it had “conducted a thorough search for responsive records within its possession and control and found no records responsive to your request.”

It’s shocking the administration admits it has no plan for how Icann retains its antitrust exemption. The reason Icann can operate the entire World Wide Web root zone is that it has the status of a legal monopolist, stemming from its contract with the Commerce Department that makes Icann an “instrumentality” of government.

https://www.wsj.com/articles/an-internet-giveaway-to-the-u-n-1472421165

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Major Milling and Paving Project Starts Monday in Ridgewood

Road_work_theridgewoodblog

TRAFFIC ALERT – MILLING AND PAVING ON VILLAGE ROADS

August 28,2016

the staff of the Ridgewood blog

Ridgewood NJ, In preparation for road paving, on Monday, August 29th milling and paving  will begin on Kenilworth Road, Linwood Avenue (between Oak and Maple) and Robinson Lane (between Walnut and Cottage ).  This work could take several days.

Please allow time for potential delays in  traveling on or near these roads.

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NJ TRANSIT Don’t Play Pokemon Go on the Train tacks

Pokémon Go
August 27,2016

the staff of the Ridgewood blog

Ridgewood NJ,  NJ TRANSIT has announced its support of a joint letter released by the Federal Railroad Administration (FRA) and the Association of American Railroads (AAR) urging safe behaviors in or near railroad tracks, stations and rail yard facilities in light of the popular Pokemon Go game.

Last week, the national railroad organizations sent the letter to John Hanke, chief executive officer for Niantic Labs, Inc., the maker of Pokemon Go. In it, they recommend that the Niantic Labs team consider ways to promote safety, particularly by avoiding the placement of Pokemon and virtual points of interest in the game on or near railroad tracks.

 “The public needs to be aware that NJ TRANSIT is an active system, with buses, trains and light rail vehicles moving constantly,’’ said Interim Executive Director Dennis Martin. “With a 24-7 transportation operation, a distracted pedestrian could unintentionally find themselves in harm’s way.’’

There have been no instances of anyone being injured on or near the NJ TRANSIT system as a result of playing this game, but NJ TRANSIT urges all game players to use extreme caution. NJ TRANSIT has been involved in an active campaign to increase the public’s awareness of potential risks while playing on or near the system. Social media tweets urging players to not get lured into danger and an increased safety campaign, such as posters reminding the public to “look up from their phones’’ were put into place soon after the game’s release earlier this summer.

“Safety is the No. 1 priority here at NJ TRANSIT for our customers and personnel,’’ said NJ TRANSIT”s Chief, Office of System Safety Gardner Tabon. “If you are going to play Pokemon Go, we want you to catch them all, but do so safely when around trains and buses.’’

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Reader says Same Group Behind the Garage is Behind Destroying Van Neste Square in Ridgewood

abraham godwin ridgewood

Paul Vaggianos was the first to get up at the mic at a town council meeting a year or two ago and ask that Van Neste be changed to accommodate lighting at night and entertainment every weekend.

Vaggianos said, “Let’s bring everyone together at Van Nest on the weekends.”

I obviously remember that. I was very saddened by his suggestion. Paul Aronsohn as mayor at the time was very receptive. I spoke against the idea at council meetings. I tried. I love Van Neste as a quiet park as it is now, an oasis of calm and beauty midst the busy downtown. Very charming invention!! Let’s keep it that way. Paul Vaggianos was happy with the big garage at Hudson. I wasn’t and wrote and spoke against it from day one. Vaggianos is a business owner in town and has influence , I have no influence. I think it would be wonderful to preserve Ridgewood a for future generations to experience, no expansion, not more congested. A town with easy accessibility to the Big Apple but with a small town charming quality. And yes, Van Neste is a big part of that as it is right in the center of the CBD. It says something by virtue of letting people experience of oasis of natural beauty and quiet in the midst of the hustle and bustle of a busy but small and charming downtown. ( I love that oasis ……sentence I made up)

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Do Entrepreneurs Suck at Relationships?

Entrepreneur PJ Blogger

“Only a life lived for others is a life worthwhile.” – Albert Einstein

August 26,2016

the staff of the Ridgewood blog

Ridgewood NJ, Some argue that entrepreneurs suck at relationships. On the contrary, I think most of us are pretty good at them.

Many of us begin to realize success because of the nurtured relationships we’ve built. But as stress builds and businesses evolve, we allow our relationship skills to diminish. The more we engage in stressful business decisions and debate, the more our relationships suffer.

We speed walk through the hallway to our office to avoid a lengthy conversation with the staff because we have back-to-back conference calls starting two minutes ago. We check emails at the dinner table because no one’s really talking right now anyway.

We begin to treat all the people in our lives the same. Generic. Passionless. Cold. Soon our spouses, children, and employees feel inferior to everything else on our mind. I know because I let myself get like this—once. As my business grew and I became busier, my time became even scarcer. Enter relationship problems.

My insensitivity and newly-found failure in relationships became evident. Suddenly my operations team dreaded meeting with me, my wife and I were disconnected, and my kids liked her better than me (ouch).
This all dawned on me when I sent my wife a picture of my filet mignon from a business trip in Singapore.
She responded with a picture of the mac & cheese and hot dogs she was eating with our kids. Clearly something was off.

This reminded me of the value of working on relationships. I began rebuilding the relationship with my wife, my kids, my business partners, and my team. What’s more, I actually started looking at these relationships as something to be developed and analyzed. I finally realized that relationships don’t take care of themselves.

I now have meaningful, individualized, and long-lasting relationships with the people in my life—because I live for others. And that, my friends, is the one thing we all need to do every day.

Here’s how I live for others now.

1. Reach out to people.

The expression “let’s get together sometime” has become cliché for one reason: little to no follow through. Our Google Calendars get so packed with appointments and conference calls that we forget to include a wildly important component to our day—maintaining existing relationships and creating new ones.

Keep a list of your 20 closest friends and 10 people you want to get to know better and reach out to one person a day. Show your friends you care by asking how they’re doing and what’s new in their life. Ask the people you want to build relationships with what you can do for them. Genuine focus on the other person shows how committed you are to the relationship. You’ll also maintain awareness of what’s going on.

2. Be there for others. Do you have a person in your life that you lean on? This is the person you call immediately without even thinking about it because they’re consistently there for you. Be that person for others. You can do this by just making time for them. As entrepreneurs, time is the best gift we can give. If someone calls, if a staff member comes into your office, make time for them. Be engaged. Don’t cut one meeting short for the upcoming meeting. Just plan better, provide support and counsel.

3. Focus on the value delivered, not taken. Relationships are a two way street. Imagine how strong a relationship would be if you both approached it selflessly. Stop thinking about what you can gain from the relationship. Instead, focus on what you’re bringing to the table. It’s not about you, it’s about them. If you find yourself drifting off when someone’s talking to you, remind yourself of this and regain focus. Building a relationship is about having a real conversation and making a connection.

We talk about the importance of relationships all the time. Network, build your collection of business cards, connect with colleagues on LinkedIn, and follow people within your niche on Twitter. But if we’re not going to nurture and value these relationships, what’s the point?

About Matt Stewart

Matt Stewart is co-founder of College Works Painting (collegeworks.com), which provides business experience for thousands of college students each year. The award-winning program also offers high-quality house-painting services for homeowners.

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17 indicted in auto-theft ring that targeted Craigslist sellers

Grand theft auto

By Craig McCarthy | NJ Advance Media for NJ.com

on August 25, 2016 at 7:47 AM, updated August 25, 2016 at 11:12 AM

TRENTON — Two New Jersey residents and a Florida man are accused of running an auto-theft ring that recruited 14 others to scam people trying to sell cars on Craigslist, authorities said.

The trio — Luther Lewis, 38, of Piscataway, Tyisha Brantley, 36, of Scotch Plains, and Justinas Vaitoska, 39, of Palm Beach Gardens, Fla. — were indicted Wednesday by a grand jury in Mercer County, Attorney General Christopher S. Porrino said in a release.

Authorities said the operation used fake bank checks to buy cars from online sellers and flip them at car dealerships in New Jersey. The scam netted $107,250 from 10 vehicles, which had a total value of $248,650, according to authorities.

Lewis, Brantley, Vaitoska are accused of running the scheme from May to November of 2015. They sent others to pose as buyers for a payout of $300 to $1,000 per car, authorities said.

https://www.nj.com/news/index.ssf/2016/08/craigslist_auto_scam_busted_in_nj_17_indicted_poli.html?ath=9c46bfc08d76232bb5a5e00eeaf0bfa2#cmpid=nsltr_strybutton

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How about Changing things that are Broken in Ridgewood instead of what is not

Abraham Godwin Ridgewood
August 25,2016
the staff of the Ridgewood blog

“Those who cannot remember the past are condemned to repeat it”  George Santayana

Ridgewood NJ, by destroying Village history and discarding those who made sacrifices in our past are we not trampling on the very foundations of what made the Village of Ridgewood ,the Village of Ridgewood?

There are hundreds of commemorative bricks in Van Neste Memorial Park and large commemorative markers associated with the 1995 restoration project, are we so willing to disregard the people and the past ?

And if you are willing to sacrifice the past,who’s decision is it anyway ? A Village employee trying to make political points?
History is what makes you who you are. In Van Neste Square there is a memorial dedicated to Abraham Godwin. Abraham Godwin was born July 16, 1763. He was a Soldier, Statesman, artist, poet, engraver, and a very talented musician. As a soldier Abraham went to Fishkill joining his brother, Captain Henry Godwin’s regiment, the Fifth of the Line, January 17, 1777, as a fife major. The regiment was ordered to Fort Montgomery to lay the chain across the Hudson River. He was in the Governor’s life guard at Schenectady protecting the frontier at Lake Otsego under General Sullivan during the Finger Lakes campaign and at Yorktown, where he witnessed the surrender of Cornwallis to Washington.

Before Ridgewood got its name, it was called Godwinville in his honor. Godwin Avenue is now named after him. There are various other war memorials in Van Neste Square as well.

No one is against “change” but why is it the politicians always look to “fix” things that are not broken ? Why must we always “change” the good but never change the bad?
Why must we destroy and denigrate our history but put up with a “3rd world water system” ? If your looking for change how about changing Ridgewood Water instead, so we do not have water restrictions every summer?

Reader says Brigadier General Abraham Godwin should be the Patron Saint of this blog
https://theridgewoodblog.net/reader-says-brigadier-general-abraham-godwin-should-be-the-paitron-saint-of-this-blog/
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Delays Plague Ridgewood NJ Transit Train Riders

Ridgewood-Trainstation1_theridgewoodblog
August 24,2016
the staff of the Ridgewood blog

Ridgewood NJ, if have noticed your having trouble getting to work on time ,its true you are the NJT rail on-time performance data, found in NJ Transits annual report, calculates the percentage of trains that arrive on-time to their destination.

The current data shows that while the Main/Bergen County Line on time performance has actually improved from 2011 to 2015 , you connection to New York Penn Station at Secaucus Junction has suffered significant deterioration.

The Northeast Corridor commuter trains (NEC) are the now the most frequently late, and more of them are arriving later.The NEC has had the lowest percentage of on-time trains every year for the past five years. It’s been getting worse, falling to a low of 89.9 percent on-time in 2015 after reaching a five year high in 2013 of 94.4 percent.

NJT considers a train late if it arrives to its final destination six minutes after its scheduled time.The performance measures are in fiscal years, which for NJ Transit starts July 1 and goes through June 30.

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Governor Christie Announces New Initiatives to Reduce MVC Wait Times, Customer Costs

MVC

August 24,2016

the staff of the Ridgewood blog

 

Trenton, NJ – Governor Christie today visited the Randolph, New Jersey Motor Vehicle Commission (MVC) agency to announce additional initiatives aimed at reducing MVC wait times and customer costs. These new proposals and improvements to existing programs will cut transaction times and make it easier for drivers to access services.

“Providing excellent customer service at MVC and throughout state government has been a key component of my administration,” said Governor Christie. “MVC is continually looking for ways to enhance the customer experience and streamline the transaction process.  With these new initiatives, customers will have more options to conduct their business either online or at a variety of locations with some express options. “

To reduce demand at the end of the month, Governor Christie is calling on the legislature to pass a bill that would change driver license and registration expiration dates to drivers’ birthdays instead of the last day of the month.

To encourage use of MVC’s online tools, by October 1st, MVC will eliminate online transaction fees. MVC will continue to post on its website updated wait times at each agency location and identify low-volume agencies, as well as offer online scheduling of driver tests and online suspension/restoration appointments.

Starting in early 2017, MVC will launch two mobile agency units that will be able to perform all transactions that existing agencies can with the exception of driver testing and titles. They will be deployed in the event of unforeseen agency outages and also will be utilized to service the needs of varying populations. MVC also is working with AAA to develop a system for customers to be able to renew their registration through certain AAA offices.

“AAA is proud to work with several states to provide motor vehicle services at our offices,” said Cathleen Lewis, Director of AAA Northeast Public Affairs and Government Relations. “We look forward to working with the administration to provide similar services for the State of New Jersey.”

To reduce the time of license renewal transactions, many agencies have implemented a driver’s license express process, which allows customers to bypass the ID check stations.  MVC also has increased the number of Enhanced Digital Driver’s License cameras in 10 of its busiest agencies – Bakers Basin, Springfield, East Orange, Turnersville, Somerville, South Plainfield, Edison, Rahway, North Bergen, and Wallington.

MVC has started the process of converting to a central issuance system to issue IDs from a central location rather than through individual agencies, which will reduce transaction times and ensure maximum security throughout the process.

Earlier this year, Governor Christie ordered enhanced customer service training for MVC employees which focused on fundamental customer service skills, such as active listening, effective communication, and conflict resolution. Training already has been provided to all MVC executive and senior staff, Agency Services Coordinators, Regional Managers and Agency Managers. Customer complaints are currently being tracked by region, which allows the MVC to identify more quickly trends in areas needing improvement in specific agencies or geographical areas of the State.

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Why Being Friends With Your Broker Could Cost You Money

Bernie-Madoff

August 24,2016

the staff of the Ridgewood

Ridgewood NJ, Building a trusting relationship with a financial professional is important because you’ll be sharing information about your assets and income, and you’ll want to feel confident when acting on any advice you receive.

But be wary of becoming too close, says Dennis Notchick, an Investment Advisor and Certified Financial Planner with Safeguard Investment Advisory Group (www.safeguardinvestment.com).

“People often become good friends with a broker who’s not doing a very good job for them,” Notchick says. “Even when they begin to realize they aren’t getting their money’s worth, they can’t bring themselves to break the ties. The personal relationship has come to mean more to them than their bottom line.”

Notchick recalls once when a couple in their 60s came to him to discuss whether there were better options for their money. Based on their financial professional’s advice, they had invested $1 million in variable annuities.

“Variable annuities can be very expensive,” Notchick says. “The fees can range from 3 to 4 percent per year, so I pointed out to the couple that they were being charged exorbitant fees and could reduce $30,000 or more in costs.

“The husband was on board and ready to make a change, but the wife was hesitant. She didn’t want to jeopardize that friendly relationship they had with their broker. They decided to stay where they were, paying over $30,000 in fees each year, just because they want to keep that friendship.”

So what should people do when they want to find an advisor they can trust, but don’t want to go overboard with the relationship?

For starters, Notchick suggests they ask these questions:

• Is the advisor a fiduciary? The fiduciary standard says that the financial professional must always act in a client’s best interest. Many advisors, at least right now, are held to a lesser standard. Their advice only needs to be generally suitable for the client, which allows these professionals to steer clients to investment products that are more profitable for the advisor. Beginning in January 2018, a new U.S. Department of Labor rule will be in full effect and require that all financial professionals meet the fiduciary standard when providing retirement advice. Some brokers call themselves fiduciaries – but how can you tell which hat they are wearing when giving you that advice?
• What licenses does the advisor have?  If an advisor only has a securities license, then you will only receive securities-related advice.  If an advisor has an insurance license, you will only receive insurance-related advice.  Make sure you work with an advisor who understands both worlds and creates a plan based on the client’s philosophy, not someone else’s.
• What’s the advisor’s experience? It’s worth knowing not only how long the advisor has been in the business, but more importantly what kind of training and experience he or she has. For example, Notchick says, those who earn the Certified Financial Planner designation must go through extensive training and pass a rigorous exam, but real world knowledge/experience of all the areas of financial planning are also critical.

“Certainly, it’s important to have an advisor you can trust, but you still want to keep the relationship professional,” Notchick says. “When that relationship becomes more like a friendship, high fees almost always mean the investor will pay the price.”

About Dennis Notchick

Dennis Notchick, CFP is a Registered Investment Advisor Representative and Certified Financial Planner with Safeguard Investment Advisory Group (www.safeguardinvestment.com) in San Diego, Calif. He has nearly a decade of experience as a financial professional, and holds Series 3, 7, and 63 and 65 Securities Licenses and a California Life/Health Insurance License. Notchick has a Bachelor’s degree in business administration from California State University Northridge.