HUNTERDON COUNTY CHAMBER OF COMMERCE The Voice of …€¦ · Chamber at 908-782-7115 or visit the...

The Hunterdon County Chamber ofCommerce will be hosting our 2018 Economic& Market Outlook Luncheon on Tuesday,March 26, 2018. The event will be held atBeaver Brook Country Club in Annandale. Theevent will feature Russell Price, SeniorEconomist for Ameriprise Financial.

Russell Price has been the Senior Economistfor Ameriprise Financial for approximately 10years. Combined with prior experience, he hasbeen a senior economist for approximately 18years and has been an investment analyst for23.

His views on the economy are frequently seenin the news media including such places asBloomberg News, U.S.A. Today, CNN, TheNew York Times, Wall Street Journal, Reuters,Barron’s, BusinessWeek, and others. He hasoften been a guest on CNBC and BloombergTV.

He has been repeatedly cited by BloombergFinancial (one of the world’s largest providersof financial information) as a “Bloomberg Best”for being one of the most accurate economicforecasters in their benchmark consensussurveys.

In fact, as of the end of Q2- 2017, Bloombergranked him as the 5th most accurate forecasterof U.S. economic fundamentals over the lasttwo years out of a field of 68 globaleconomists.

Mr. Price is a member of the AmeripriseGlobal Asset Allocation Committee. He has aBachelor’s degree in Economics from EastStroudsburg University, an MBA in Finance andInvestment from Marywood University, and heholds the Charted Financial Analyst (CFA)designation.

To register for the event please call theChamber at 908-782-7115 or visit theChamber’s webpage at:www.hunterdon-chamber.org

February 2018 Volume 43, No 2.

A L E G A C Y O F L E A D E R S H I P S I N C E 1 9 1 6 . . .

Chamber Will Host Economic & Market Outlook Luncheon

Russell Price, Economist for Ameriprise Financial

Business News HUNTERDON COUNTYCHAMBER OF COMMERCE

The Voice of Business

By Michele N. Siekerka, Esq., Pres-ident & CEO New Jersey Business& Industry AssociationIt’s the start of a new year with

Governor Phil Murphy ready to fulfill aprogressive agenda which hecampaigned on and to which votersresponded strongly. For New Jersey businesses, a mini-

mum-wage increase from the current$8.60 to $15 an hour, which already hasstrong support from many Legislativeleaders, is all but a sure bet.As the voice of New Jersey employers

who provide more than one million jobsin the state, it is NJBIA’s hope and goalthat the incoming governor will seize the

opportunity to take a comprehensiveapproach to lifting the skills of alow-wage earner versus the limiteddiscussion of the rate of the minimumwage. The former approach recognizes that

while there are many aspects of thisdiscussion that can present challenges,a comprehensive approach createsmore sustaining opportunities. NJBIAwill work to share the very real concernsfrom business owners, employees andconsumers who will be impacted, whilesharing data and ideas on how toapproach this important issue in a morecomprehensive manner.The Challenges: In our recently re-

leased 2018 Business Outlook Survey,64 percent of respondents - mostly smallbusiness owners – said they will reducestaff, cut back hours, raise prices and/orautomate as a result of the steep in-crease to a $15 minimum wage. Whilesupporters of the higher minimum wagemay be skeptical of such results, weknow that New Jersey businesses paycompetitive wages that often includebenefits in order to attract a skilledworkforce to deliver their products andservices. Additionally, our research tells us that

our member businesses, most of whomalready pay more than $15 an hour as aminimum wage, are concerned aboutthe economic impact of resetting allstarting wages in New Jersey, or what’sknown as compression. In other words,it’s quite easy to imagine the paralegalcurrently making $17 an hour to want acommensurate raise if a low-skills jobstarts at $15 an hour.The Opportunities: In response to our

members, NJBIA has been advancingan effort for a broader discussion be-yond the rate of the minimum wage. Apredictable pathway to increasing therate must include a gradual phase-in ofany minimum-wage increase, youthwages for teenagers who otherwise willfind it difficult to get that first job at suchan advanced rate and exemptions forfarmworkers and employees of seasonaltourism businesses. Further, there must be consideration for

our nonprofit sector who rely upongovernment subsidies that at a certainpoint will no longer cover the cost of theservice, leaving our vulnerable popula-tion at risk for affordable services. There also should be “economic

off-ramp” provi-sions to protectsmall busi-nesses fromhaving to payscheduled mini-mum wage in-creases during a major economicdownturn or in the wake of a naturaldisaster – similar to the safeguards Cali-fornia has enacted in raising its mini-mum wage to $15 an hour by the year2022.The most critical discussion, however,

revolves around workforce developmentand what is needed to improve the skillsof entry level workers so they can organ-ically earn higher paychecks. After all,higher skills yield higher wages. Assuch, the arbitrary raising of entry levelwages alone, ultimately will negativelyimpact employees lacking skills. It isexactly the low-skilled workers who willbe left behind when business owners,who are mandated to pay higher wages,choose to hire employees with a higherand commensurate skill set.For our part, NJBIA’s Post-Secondary

Education Task Force has been activelyworking with academia, governmentofficials, nonprofits, millennials andbusiness leaders to develop strategiesfor matching education programs toprivate sector jobs to build better careerpathways for well-paying, middle classpositions. New Jersey is uniquely poised to have

incredible workforce development withour high-ranking K-12 education andstrong investments in communitycolleges, career-technical institutionsand four-year education institutions.Governor Murphy touts the importanceof workforce development andenhanced job training – and we find thatvery encouraging.Governor Murphy has promised to give

the business community a seat at thetable and NJBIA looks forward to havinga constructive dialogue on this and otherissues during his governorship. Wewelcome the new governor of our greatstate to engage us in conversationsabout how to best incentivize workforcedevelopment, while also consideringhow a responsible pathway to lifting thewages of low wage earners in order tocreate the fairer economy he haspromised all New Jersey residents.

908.782.7115 • www.hunterdonchamber.org 2

is a publication of the HunterdonCounty Chamber of Commerce ©2018

Christopher J. Phelan, editorAmanda Dos Santos, layout and design

Good Impressions, printer

For information contact us by phone:

908-782-7115fax: 908‐782‐7283

to advertise call 908‐735‐7309 e‐mail: info@hunterdon‐chamber.org

Website: www.hunterdonchamber.org

Hunterdon County Chamber of Commerce119 Main Street

Flemington, NJ 08822

WANTEDScrap Gold • Coins • American

& Foreign • Gold & SilverPaper Money • Old Jewelry

Estates • Collections

RAAB COINS56 Main Street, Flemington, NJ

Randy Block1-800-819-9875

Tues.-Fri. 10am-5pmSat. 10-3

Business News

GUEST CONTRIBUTORA broader discussion is needed around the $15 minimum wage

Michele N. Siekerka, Esq.

HUNTERDON COUNTY CHAMBER OF COMMERCEBOARD OF DIRECTORS

PRESIDENT, CEOChristopher J. Phelan

OFFICERS

ChairMichelle L. Heide, CFP®, CRPC®

Patton, Heide & Associates

1st Vice ChairmanJames RobinsonColdwell Banker

2nd Vice Chairman Mary MelfiCounty Clerk

SecretaryChristopher J. Phelan

Hunterdon County Chamber of Commerce

Ana P. GaliettaExxonMobil Research & Engineering Company

Legal CounselNicholas Pellitta, Esq.

Norris, McLaughlin & Marcus, P.A.

Advocacy Chair William Flahive, Esq.

Law Office of William P. Flahive, L.L.C.

Advancing Hunterdon ChairJohn Anderson

Jersey Central Power & Light

Chairman EmeritusDonald Pinner

Hunterdon Healthcare System

DIRECTORS

Jacki BelinRaritan Valley Community College

Robert BenjaminSTARMIS Corporation

Andrea BishopPNC Bank

Bruce BlackHunterdon County YMCA

Joseph Carducci, CPABedard, Kurowicki & Co., CPA’s

John CesareCenturyLink

George DitzlerTeamLink HR

Richard FarrellCedar Risk Management

Jim GanoCrown Trophy

Paul GrzellaCourier News/Home News Tribune

Suzanne LagayHunterdon County Board of Chosen Freeholders

Kim MetzHunterdon County Polytech

Ryan ReepChick‐fil‐A

Jeffrey WeinsteinHunterdon Healthcare, LLC

DJ WrightWright & Ford Funeral Home and Cremation Services


The Healthy Hunterdon Workforce Initiative Announces

Why Don’t You Get Involved with the Hunterdon Healthy Worforce

Initiative for 2018! Contact the Chamber Today at 908-782-7115 or [email protected]

Thank you to our Sponsors

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Terry Newhard plans to retire April 5,2018 after serving the agency for 37 ½years. Terry joined NORWESCAP in1980 as the Associate Director andbecame the CEO in April 1983. Theorganization has changed dramaticallyover the years in terms of programming,budget, service territory andorganizational capacity.

When asked about his pendingchange, Terry stated, "It's been anamazing journey and I have beenblessed to work with some of the bestand most honorable people I've met inmy life. Fighting the impacts of povertyon individuals and the community grabsyou and it becomes a life passion. Godgave me an incredible opportunity. Iplan to work hard up to the last minute,but it's time for someone to work withthe board and staff to create a newvision and lead NORWESCAP togreater successes."

Asked about the next chapter, Terryenthusiastically said, "I'll be teachingspin class 3 days a week, oil painting,volunteering at numerous places, work-ing on Congressional campaigns,kayaking, hanging with my wife, kidsand grandson, along with my othersports; mountain biking, tennis,rollerblading, racquetball and crosscountry skiing. When there's time left, Iplan to travel the southwest andnorthwest. I'm really looking forward tothe next adventure and a great life."

There is a planning committee of staffvolunteers led by Maritza Baakman andCarolyn Thoens that is meeting monthlyfor a gala-fundraiser honoring his re-tirement that will take place on March22nd. The event will be held at theFarmhouse at the Grand Colonial inHampton, New Jersey right off of Inter-state 78 from 6-10 PM. We hope youwill join us the gala. To purchase tickets, visit

http://www.norwescap.org/gala.php.


Maintaining Financial Stability After a Job LossFinances can be a major source ofstress for many Americans, as theystrive to balance a myriad of moneypriorities. This financial stress isparticularly common for those whoexperience a job reduction or job lossand no longer have the same amount ofincome coming in. If you experience anunexpected change in your employmentstatus, review your financial situationand create a plan to help you feel morein control. The following tips can helpyou work to maintain financial stability:

Reassess your financial situation. Startby reviewing your recent bank state-ments, current portfolio and upcomingfinancial obligations. Then, chat withyour spouse or partner about how toprioritize future spending. If possible, tryto maintain momentum on key financialgoals, such as saving for college orretirement. Even a modest amount canadd up, so continue to make savingwhat you can a habit.

Understand your severance package. Ifyou received a severance package, besure you understand the terms, time-frame and payment amount. Your dealmay include several paychecks, reim-bursement for unused paid-time-off orsick days, or stock options, amongother possible sources of income.Consider reviewing the terms with atrusted attorney or financialprofessional, particularly if you have theoption to negotiate your severance.Some companies offer career coaching,human resources support or othernon-monetary benefits, so don’toverlook the importance of thesebenefits in your package.

Use your emergency fund. If you have ahealthy emergency fund (three-to-sixmonths’ worth of expenses is ideal formost people), give yourself permissionto dip into it. It can be challenging towatch money flow out after diligentlybuilding your savings, but doing so canhelp you meet financial obligations.Once you secure a new job, prioritizerebuilding your emergency fund soyou’re prepared if another unexpectedexpense comes your way.

Avoid dipping into your retirementaccounts. You have the potential tospend decades in retirement, so it’simportant to maintain your dedicatedsavings. Borrowing or withdrawingmoney from a 401(k) is taxable, and willalso incur a 10 percent penalty fee.However, you could also miss out onmonths or even years’ worth of com-pounding and potential market growththat can be challenging to make up.

Extend your health insurance. Take

action right away to make sure youdon’t experience a lapse in healthinsurance coverage. Unexpectedillnesses or accidents can happen toanyone, and the financial impact can besignificantly higher without the rightinsurance plan. If you received healthinsurance through your former employer, you may qualify for COBRAinsurance offered through the federalgovernment. Costs, length of coverageand specific plan options (includingcoverage for your spouse, partner ordependents) vary depending on yourcircumstances, so contact the U.S.Department of Labor or the Departmentof Health and Human Services for moreinformation. Job loss is considered aqualifying event, which means you mayshop the health care marketplace tofind a plan that works best for you andyour family.

Consider tax implications. Losing a job– and finding a new one – can affectyour taxes. Severance pay,unemployment compensation, paymentfor accrued vacation or sick time andother financial benefits from youremployer may be taxed. On the flipside, costs related to your job search,such as travel, mileage or moving, maybe deductible. Consult a tax profes-sional who can help you determinewhat to expect for this year’s tax return.

Meet with your financial advisor. Anychange or interruption in your salarywarrants a visit to a trusted financialprofessional. Together you can reviewyour financial position and determinewhat measures you can take during anincome drought to minimize the impacton your portfolio. You can also discussyour options regarding how to handleretirement savings, company stock orother financial perks you may havereceived through your former employer.

Michelle L. Heide, CFP®, CRPC®, BFA® is a Pri-vate Wealth Advisor with Ameriprise FinancialServices, Inc. in Annandale, NJ. Michellespecializes in fee-based financial planning andasset management strategies and has been inpractice for 25 years. You may contact Michelle at908-713-4903. Michelle’s office is located at 16Leigh St. Units 1B & 1C, Clinton, NJ 08809.

Before you purchase insurance, be sure toconsider the policy’s features, benefits and fees,and whether it is appropriate for you, based onyour financial situation and objectives.

Investment advisory products and services aremade available through Ameriprise FinancialServices, Inc., a registered investment adviser.

Ameriprise Financial Services, Inc. Member FINRAand SIPC.

© 2017 Ameriprise Financial, Inc. All rightsreserved.

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325 W. Washington AveWashington, NJ 07882908-689-3071

www.good-impressions.com

Full Service Printing, Copying & MailingThe Chamber is

Looking for

Volunteers

The Hunterdon County Chamberof Commerce is presently lookingfor volunteers to help out duringupcoming events. From planningto day of event details, there are

so many ways to assist andcontribute. Here are few events in

which you can be a part of:

- Hunterdon Community Day- Membership Committee

- Business Expo- Hunterdon Holiday Parade &

Much More....

For more details, please contactthe Chamber at: 908-782-7115

The Hunterdon County Board ofAgriculture is proud to share that JeffBowlby, a Flemington hay and grainproducer, has been chosen as NewJersey’s 2018 Outstanding YoungFarmer by the New Jersey StateBoard of Agriculture. Bowlby waspresented with the award at the 2018New Jersey State Agricultural Con-vention in Atlantic City.

“Jeff Bowlby is a hard-working,creative farmer who always has had apassion for farming since hisintroduction to agriculture at a youngage,” said New Jersey Secretary ofAgriculture Douglas H. Fisher. “He issetting an example of what it takes tobuild a successful agricultural careerwith his own ingenuity anddetermination. It is farmers with thistype of vision and dedication that willhelp keep New Jersey agriculturealive well into the future.”

Bowlby has been involved inagriculture since helping on a farm atage 13, when he started milking cowsfor his neighbor. When in high school,he worked for Terraceland Farms andowner Greg Manners as part of awork study program in his high schoolagriculture class.

Home Instead Senior Care of Hun-terdon and Warren Counties ispleased to announce, once again, ithas been selected as a “Caring Starof 2018” for in-home care serviceexcellence. In ratings and reviewsfrom family caregivers and cognitivelyhealthy older adults, Home InsteadSenior Care earned a 5-star con-sumer rating (the highest possiblescore) within the last year, while alsohaving a high volume of positive re-views and meeting other qualifyingcriteria for this national honor.

“We strive daily to deliver the highestquality in-home care for our clients,and this award helps validate ourdelivery on that promise,” said Tracy

L. Fazzolari, CSA, franchise owner, ofHome Instead Senior Care inHunterdon and Warren Counties.


Date: Wednesday, March 21st

Time: 7:45 a.m.registration8:00 -9:00 a.m. program

14-B Royal Road

Flemington, NJ

Date: Wednesday, March 7th

Time: 7:45 AM registration8:00 - 9:00 AM program

111 West Main Street

Clinton, NJ

Leads Exchange CentralLeads Exchange North

Led byTom Fitzgerald

Led byJudy Gold

Develop the business relationships that can improve your bottom line. Network,exchange business cards and present your business to other Chamber members.

Admission is included in your Chamber membership.

Hats Off

Would you like to be on the radio?

Whether you would like to be a host,

advertiser, or guest-- Hunterdon Cham-ber Radio provides some excellent mar-

keting opportunities for local businesses.

For more information, please call:

908-782-7115


Executive Care of Somerville92 East Main StreetSuite 306Somerville, NJ 08876908-450-7444www.somerville.executivehomecare.comContact: Sherry Arace

Executive Care of Somerville is a home healthcare company serving both Hunterdon andSomerset Counties. As a leading in-homecare provider, we offer the best and most com-

passionate Care for the recovering, disabledand seniors. Hourly and live-in certifiedCHHAs provide quality care for you or yourloved ones. Representatives are available tospeak with you 24/7.

78 Chauffeured ServicesPO Box 10Raritan, NJ 08869908-479-6278www.78limo.comContact: Bob Ferrigno

TransportationLimousine/Sedan Services

Beckage Sealcoating35 Rupells RoadHampton, NJ 08827908-730-7281www.beckagesealcoating.comContact: Alex Patullo

Pavement Marking, Sealcoating The area’s number one provider in sealcoat-ing, crack filling, infrared, mastic & hot asphaltrepair and maintenance

new members

COMMUNITY5TH ANNUAL

COUNTY FAIRGROUNDS

Fun for the Whole Family!

SATURDAY, JUNE 2, 2018

F O R M O R E I N F O R M AT I O N


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E&LP, a full-service civil,environmental, survey, landscapearchitecture and geotechnical firm, ispleased to announce the addition ofMr. John Hansen, P.E., P.P., C.M.E.,LEED as the Director of Civil Engi-neering to our team.

The addition of Mr. Hansen to theE&LP team continues our long-termgrowth strategy to enhance the scopeand depth of our client services.

As the Director of Civil Engineering,Mr. Hansen will be responsible forbusiness development, client relationsand the day to day civil work, with anemphasis on municipal projects, pri-vate development and site plan proj-ects. He holds a bachelor’s degreefrom Virginia Tech in Civil Engineering.Mr. Hansen comes to E&LP fromFerriero Engineering, where he wasfor 24 years and served as a Principal.At Ferriero he successfully managedall aspects of design for residential,commercial and industrial subdivisions, site plans and capitolconstruction projects.

Mr. Hansen is going to be anexcellent addition to E&LP and astrong asset to our team. You canreach John at 908-238-0544 ext. 19 inthe High Bridge office or [email protected]. Please join mein welcoming John to E&LP!

Steven A. Karg, a Member of the lawfirm Norris McLaughlin & Marcus,P.A., has been named the firm’s MainMeritas Member Contact, replacingJoel N. Jacobson, a Member of thefirm and Chair of its Real EstatePractice Group. Jacobson has beenthe firm’s representative to Meritassince 1991, when the firm first joinedMeritas. Melissa A. Peña, a Memberof the firm and Co-Chair of the Meri-tas’ Financial Services/CRABS Group,

will take Karg’s place as the AlternateMember Contact.

Meritas requires its firms to provide adesignated Member Contact to ensureall matters are handled with carebased on the Meritas alliancefeatures. When a prospective clientreaches out to a firm, the MeritasMember Contact will work with them tounderstand their needs and be sure toconnect them with the appropriateattorney with the essential expertise.

Meritas is an established global al-liance of more than 180 independent,

full-service law firms, with a compre-hensive means of monitoring and en-hancing the quality of its memberfirms—a process that saves clientstime in validating law firm credentialsand experience. Firms becomemembers by invitation only andmaintain membership by meetingstandards of a uniquely comprehen-sive Quality Assurance Program.Firms are regularly assessed andrecertified for the breadth of theirpractice expertise and clientsatisfaction. Firm quality feedback isreflected in a Satisfaction Index score,which is available online.

In 2017, Hunterdon Regional Cancer Center became one of just 16 accredited cancer programs in the nation—and the only one in New Jersey—to receive the American College of Surgeon’s “Outstanding Achievement” award. It is quite an honor. In fact, the highest honor a community cancer center can receive.

For the past 25 years, we have been among the select few to qualify as a partner with Fox Chase Cancer Cen-ter—an internationally-recognized leader in cancer care and research.

It means that the name you’ve known and trusted for generations is also the name you can rely on to bring you high quality cancer care. All just minutes from your door.

Your full circle of care.

To learn more, visit us at hunterdonhealthcare.org. To make an appointment, call 888-788-1260.

Achievement” award. of Surgeon’s “Outstanding New Jersey—to receive the American College programs in the nation—and the only one in became one of just 16 accredited cancer In 2017, Hunterdon Regional Cancer Center

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Achievement” award. of Surgeon’s “Outstanding New Jersey—to receive the American College programs in the nation—and the only one in became one of just 16 accredited cancer In 2017, Hunterdon Regional Cancer Center

of Surgeon’s “Outstanding New Jersey—to receive the American College programs in the nation—and the only one in became one of just 16 accredited cancer In 2017, Hunterdon Regional Cancer Center

on to bring you high quality cancer care. All just trusted for generations is also the name you can rely It means that the name you’ve known and

cancer care and research. ter—an internationally-recognized leader in few to qualify as a partner with Fox Chase Cancer CenFor the past 25 years, we have been among the select

community cancer center can receive.It is quite an honor. In fact, the highest honor a


cancer care and research. ter—an internationally-recognized leader in few to qualify as a partner with Fox Chase Cancer CenFor the past 25 years, we have been among the select



ter—an internationally-recognized leader in -few to qualify as a partner with Fox Chase Cancer Cen

For the past 25 years, we have been among the select


minutes from your door.

To make an appointment, call 888-788-1260.To learn more, visit us at hunterdonhealthcare.org.

minutes from your door.

our full circle of care.Y



Hats Off


We are now accepting applications for our 2019 Leadership Hunterdon Program

For more details, please call: 908-782-7115

The vision of Leadership Hunterdon is to transform people to become trustees of our communities, to become leadership resources and work for the betterment of Hunterdon County.

Would you like to develop your leadership skills?

Would you like to meet key business, education & non-profit leadership?

Check the Chamber Website for Upcoming Information Sessions

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HUNTERDON COUNTYCHAMBER OF COMMERCE


2017 Hunterdon CountyBUSINESS AWARDS


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....That even as an existing Chamber member, you canstill attend New Member Orientation, held every 3rdThursday of the month? It’s an excellentopportunity to get an in-depth overview of what theChamber has to offer as well as address any questions or concerns you may have.

...That you can purchase mailing addresses of theChamber’s full membership for your business?

If you have any questions, please contact the theoffice at 908-782-7115.

Did You Know?

HUNTERDON COUNTYCHAMBER OF COMMERCE



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Would you like to be on the radio?

Whether you would like to be a host, ad-

vertiser, or guest-- Hunterdon ChamberRadio provides some excellent marketing

opportunities for local businesses.

For more information, please call:

908-782-7115

2017 Hunterdon Holiday Card Club

Thank you to BKC, CPA's, Patton, Heide & Associates and Wright &

Ford Family Funeral Home and Cremation Services for their sponsorship

of the 2017 Hunterdon County Chamber of Commerce Holiday Party this

past week at Stanton Ridge Golf & Country Club. Thank you as well to

"Doctor D" for the great music and fun!

The outpouring of support and donations for the Hunterdon County

YMCA Angel Patrol on behalf of our Membership made many families

this Holiday Season have a better celebration.


On January 25, the HunterdonCounty Parks launcd a new programentitled Shinrin-Yoku (Forest Therapy)allowed participants to explore the

woods in a new way.

Shinrin-Yoku, also known as ForestTherapy or Forest Bathing, is aJapanese tradition born from ahigh-stress environment. It is acornerstone of preventative healthcareand healing in Japanese medicine.Shinrin-Yoku includes breathing, relax-ing, smelling, and listening to the for-est.

The January 25 program took placeat Laport Reserve, and was led bySeasonal Park Naturalist Debra Reed.The group walked a short distance intothe woods, and sat down in a circle toenjoy some poetry and some guidedmeditation. Debra led the groupthrough exploring the forest with thesenses of sight, hearing, smelling, andtouch, and ended with another poem

and the taste of herbal tea.

Future Shinrin-Yoku classes takeplace on February 22 at Miquin Woods,March 29 at Round Mountain, April 26at Musconetcong Gorge, and May 24at Wescott Preserve. All programs runfrom 11:00 AM to 12:00 PM and cost$5 a person. Pre-registration is re-quired; please visit http://www.co.hun-terdon.nj.us/depts/parks/parks.htm todownload a registration form or call(908) 782-1158 for more information.

The programs cap at ten people andare filling up quickly! Participantsshould bring a camping chair if they areuncomfortable sitting on the ground, orindicate on their registration form thatthey would like to borrow one. Pleasenote that no restroom facilities areavailable at these parks.

fyi

As a result of the government shut-down, at mid-night on February 8,2018, Congress passed, and thePresident signed, the BipartisanBudget Act of 2018, on February 9th.Congress included several taxextenders as part of the Budget Deal,which had previously expired at theend of 2016. The Bipartisan BudgetAct of 2018 consists of 640 pagesand within those pages appear manytax provisions which were maderetroactive to January 1, 2017 andare effective for the year 2017 only.

These expired tax provisions wereoriginally included in either the Houseor Senate version of the new 2017Tax Reform and Jobs Act. However,they were excluded from the final Billthat was signed into law by thePresident on December 22, 2017.Some of the tax extenders include:

• The exclusion of income, result-ing from a discharge of mortgagedebt on a principal residence. Nor-mally mortgagees must pay incometax on the outstanding principal loanbalance that is forgiven by the lender,normally in the case of foreclosure or

a short-sale.• Itemized deduction for mortgage

insurance premiums connected withacquisition indebtedness on ataxpayer’s principal residence. Thetaxpayer must have an adjustedgross income (AGI) below $100,000.The deduction phases for AGI be-tween $100,000 to $110,000. Fortaxpayers that meet thequalifications, the mortgageinsurance premiums are treated asadditional deductible mortgageinterest.• As an alternative to claiming the

American Opportunity Tax Credit orthe Lifetime Learning Credit,taxpayers had the ability to deductfrom adjusted gross income on page1 of Form 1040, tuition and relatedexpenses for higher education, if thededuction results in a greater taxbenefit than taking a tax credit for thesame expenses. This option hasbeen restored for 2017.• A 10% tax credit for energy-

efficient home improvements on yourprincipal residence, up to $500 foritems such as windows, doors, andHVAC equipment. This credit hasbeen limited to a lifetime available

credit. If energy credits for thesetypes of items were claimed inprevious years, the amount of thecumulative credit claimed must bereduced from the $500 lifetime creditlimitation.

View our full article and more TaxTidbits online at www.bkc-cpa.com.Contact Andrew Ross, CPA of BKC,CPAs, PC (Bedard, Kurowicki & Co.,CPA’s) with questions at [email protected] or 908-782-7900, x 113.

taxtid-

This tax tidbit was provided by

Reinstatement of 2017Expired Federal Tax Deductions


3M FlemingtonComfort KeepersFulton Bank of New Jersey – FlemingtonHalo Branded SolutionsHunterdon/Somerset Association of RealtorsJersey Central Power & LightLee B. Roth Law OfficesSaunders Jewelry

THANK YOU FOR YOUR RENEWAL


The story is told of AlbertEinstein who was once travelingfrom Princeton on a train when theconductor came down the aisle,punching the tickets of everypassenger. When he came toEinstein, Einstein reached in hisvest pocket. He couldn't find histicket, so he reached in his trouserpockets. It wasn't there, so he looked in hisbriefcase but couldn't find it. Thenhe looked in the seat beside him.He still couldn't find it.

The conductor said, "Dr.Einstein, I know who you are. Weall know who you are. I'm sure youbought a ticket. Don't worry aboutit." Einstein nodded appreciatively.

The conductor continued downthe aisle punching tickets. As hewas ready to move to the next car,he turned around and saw thegreat physicist down on his handsand knees looking under his seatfor his ticket.

The conductor rushed backand said, "Dr. Einstein, Dr.Einstein, don't worry, I know whoyou are. No problem. You don'tneed a ticket. I'm sure you boughtone."Einstein looked at him and said,"Young man, I too, know who Iam. What I don't know is whereI'm going.'' Although the story may or may nothave validity, it does cause one tostop and think about where theyare going in life. People oftenaimlessly drift through life andtheir careers with no setdestination. They fail to set goalsand therefore fail to develop astrategy for success.

A goal is like a destination andthe plan to achieve that goal is theroad map that will get you there.We are all traveling somewhere inthis life and in our careers. With-out a defined destination and aroadmap to get us there, we haveno way of knowing what thatdestination looks and if we'vearrived at the right spot. Radiopersonality, Earl Nightingale oncesaid, "People with goals succeedbecause they know where theyare going."

Goals Create Clarity ofPurpose

With so many things calling for ourtime and attention, it's easy to getdistracted. My wife and I enjoy vis-iting New England in the fall to seethe changing of the leaves. "Leaf

peepers" is what we're called. Weput a lot of miles on our rental caras we often stay at a differentlocation in a different state eachnight. As we leave one charmingbed and breakfast inn located inVermont and head for another inNew Hampshire, we usually jumpoff the freeway and take many ofthe back roads where we get achance to see old barns, quaintfarms and more colorful trees. It'seasy to get caught up in thebeauty of it all and lose track ofwhere we're headed. At somepoint we find our way back to thefreeway or a more direct route inorder to arrive at our nextdestination.

Leaf peeping in New Englandis a bit different than life andcareer goals. While distractionsmay come, having specific goalswill help minimize thosedistractions and keep you focusedon doing what's important.

Goals Create a Course to Follow

Success doesn't just happen, ithappens by design. Upondetermining a goal, one has todevelop a plan to achieve it. Whilethere are many speakers andauthors who have written andspoken about goal setting, ZigZiglar, in his book, "Goals: SettingThem and Achieving Them onSchedule," developed a 7-stepprocess that works well. Below isa brief description of that process:1.Decide exactly what you wantand write it down.2.Set a deadline for yourself.3.Determine the obstacles you willhave to overcome to achieve yourgoal.4.Determine the additionalknowledge, skills and abilities youwill need to reach your goal.5.Determine the people, groupsand organizations whose help youwill need to achieve your goal.

6.Make a plan to achieve yourgoal.7.Perhaps the most important ofall: Take action immediately onyour plan.

There is no, "one way and onlyway" for developing a plan forsuccessfully reaching your goals.There are many ways to do it andfor each person it might lookdifferent. What's important though,is to take the time to identify yourgoals and determine a plan, acourse to follow. As author BrianTracy said, "It doesn't matterwhere you are coming from. Allthat matters is where you aregoing."

Goals Create a ConcentratedEffort

Determining goals and writinga plan to achieve them is only partof the process. In order to stayfocused on the plan and develop aconcentrated effort to reach yourgoals, you must continually reviewthem. Sometimes you have tomodify and adjust the plan. It'seasy to set your written goals andplan aside and forget about themfor long periods of time. Oneshould consistently review theplan and make sure progress isbeing made.

As we near the end of anotheryear, it's always good to relook,refocus and refine the goals andplans we have in place. For thosewho have yet to develop goals,take the time to establish someand develop a plan and course forsuccess in achieving them.Consider various areas of your lifewhen developing goals such as,family, spiritual, education, work,volunteerism and other relation-ships.

One way of defining success issimply stated, "the progressiveaccomplishment of worthy goals."With that being said, may you findmuch success in the coming year.

Mark Turner is President/CEOof the Gilroy Chamber of Com-merce. After 20 years of salesand marketing, he left the cor-porate world and served 12years in the ministry as an As-sociate Pastor before acceptinghis current position with theChamber of Commerce.

Einstein's Theory of "Goal-a-tivity" 3 Reasons for Developing Goals

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5TH ANNUAL

COUNTY FAIRGROUNDS


COMMUNITY

Fun for the Whole Family!

SATURDAY, JUNE 2, 2018

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