Pine Valley Golf Course of Clementon, New Jersey

Mention “Pine Valley” to any serious group of golfers and no explanation is needed. After all “The Pine Valley” Golf Range of Clementon New Jersey has been consistently rated at the top and one of the premier golf courses on the globe. Indeed in its determinations and awards, the premier golfing journal “Golf Magazine”, has awarded Pine Valley in its number one spot as the very top golf course in the United States and indeed the world. This said, it is often stated by the most experienced and determined golfers that if there is a more difficult golf course to be played anywhere in the world, then these golfing aficionados would not want to know about it,or have the distinct pleasure of being offered to play that set of golfing links.

Pine Valley Golf Course’s history goes back to 1912 when a wealthy hotelier named Mr. George Arthur Crump decided that he wanted to build a golf course that would be worthy of his name and reputation. He chose an area of land that was basically a forest in a swamp surrounded by sand. Crumps’ dream took fully seven years to build and complete. It actually incorporated and included the removal of approximately twenty thousand tree stumps. Ultimately and unfortunately for the innovator and creator of the project Mr. Crump he only lived to see the completion of only 14 holes on this golfing masterpiece. The remaining tees – holes 12 though were 15 were completed some time after his passing. How unfortunate.

It can be truly and truthfully said that Pine Valley has no two golf holes that are even remotely similar. The distinctness of the course and layout is one of the greatest attractions of this fine golfing course of world wide global renown. However it can be said that if there is one distinctiveness and binding feature to the whole course and setup – it is the sand. Mounds and myriads of sand to work through and impede the play and follow through of the game of even the most advanced and experienced golfers. Indeed the expanses of sand are large, great and extreme in size and nature that no attempt is even made by the groundskeepers to even rake them. No doubt an impediment to even Professional golfers and those near their class.

One day yet as a golfer you may live your dream of actually playing through and golfing the Pine Valley golf course of Clementon New Jersey. Fore!

New Jersey Commuters Have Varying Disability Coverage Levels

If you live in New Jersey and commute to work, your destination impacts the amount of disability insurance you may have. New Jersey temporary disability insurance covers private workers in the state. Know what your coverage level is before getting sick, hurt, or becoming pregnant.

Two people sitting on a train may have very different levels of coverage depending upon which stop they take to reach their work destination. Many New Jersey commuters are traveling cross state lines to go to work, and many do not are commuting to government jobs: federal, state, county, city, and municipal positions. The one thing all these commuters share in common is that they are not mandated to participate in the NJ temporary insurance program.

Commuters with NY Disability

Commuters who cross the Hudson River to work in are covered by the New York plan. The New Jersey mandate applies to workers in the state, rather than tenants, as does the NY plan. The NY plan caps benefits at $ 170 per week, far less than the NJ plan which caps income replacement at $ 561 per week.

NJ Residents Who May Not Have Coverage

Commuters traveling to government jobs may or may not have coverage. The New Jersey mandate applies to private workers only – government workers are exempt from the mandate, but each government entity is allowed to participate if they choose. If your government employer elected not to participate as many do not, you will not have any disability insurance coverage should you happen to become sick or hurt.

NJ Commuters with No Disability Coverage

Those residents crossing the Delaware River are in the worst position of all. Because the NJ mandate applies to people who work in the state, residents commuting to Pennsylvania or Delaware have no state disability coverage options at all. Both Delaware and Pennsylvania do not have state mandated disability insurance of any kind. Even if your employer wanted to participate, there is no state program to join. Workers in these states must rely on a company sponsored plan via a private insurer.

Regardless of where to commute to, you should consider buying supplemental short-term disability before getting sick, hurt, or becoming pregnant. At a $ 561 weekly cap many workers will find that it does not provide adequate coverage. This gap is even more meaningful for those with a $ 170 weekly cap and for those with no coverage at all.

New Jersey Bankruptcy Lawyer Explains When One Or Both Spouses Should File For Bankruptcy Protection

An obligation to pay debt is based on an agreement between the individual (s) and the creditor. A spouse is not responsible for the debt of the other spouse solely because of the marriage. If only one spouse contracted to pay a debt, than only that spouse is liable for the debt. If both spouses are obligated and have contracted to pay the debt, than both spouses are liable for 100% of the debt. If both spouses contracted to pay the debt, the creditor may pursue and collect any percentage of the debt from either spouse, but never in excess of the total amount due. In other words, the creditor may get 60% from one spouse and 40% from the other, or 20% from one spouse and 80% from the other spouse.

If two people wish to file for bankruptcy together, the two individuals must be married. In general, it is not necessary for both spouses to file for chapter 13 or 7 protection. When evaluating whether one spouse should file individually or jointly, each person should carefully consider their own financial circumstances, independently, and together with the other spouse. It may not be beneficial for both spouses to file for bankruptcy protection.

An individual who files for chapter 7 bankruptcy protection and meets all of the criteria, will discharge and eliminate certain debt. The following scenario relates to a married couple that owes a joint debt to a creditor and only the husband files for chapter 7 bankruptcy protection. If the husband meets all of the chapter 7 criteria for a discharge, his debt to the creditor will be eliminated. However, the creditor will be permitted to pursue the wife for any balance due to the creditor because she is not protected from the bankruptcy filing. If they file jointly and obtain a discharge, the creditor will be unable to pursue him and / or her for the debt.

Unsecured debt is debt that is not secured by property, such as the following: credit card debt; personal loan; and, health care debt, etc.

The following pertains to a chapter 13. In a chapter 13, the individual (s) who file (debtor) must make monthly payments to a trustee (administrator), generally, for a period of 36 to 60 months. The amount and number of the payments are based on numerous factors. Also, the determination as to which creditors are owed to funds from the monthly trust payment, is based on numerous factors. The debtor may be required to pay all, a portion, or none, of the unsecured debt, through the monthly trust payments (bankruptcy plan).

In a chapter 13, the debtor is required to treat all unsecured creditors equally. Therefore, a spouse filing individually, may not decide to pay 100% of the debt to one credit card company and 5% to another credit card company. Typically, if one unsecured creditor is paid 100%, than all unsecured creditors must be paid 100%. If the unsecured creditors are receiving less than 100%, each creditor must be paid on a pro rata basis.

The following scenario relates to a husband who owes a joint debt with his wife, and files a chapter 13, individually and without his wife. Immediately upon the filing of a chapter 13, the "automatic stay" and "co-debtor stay apply." The "automatic stay" prevails the husband's creditors from pursuing any action against the husband. from pursuing the non bankruptcy filing spouse (wife), who owes a joint debt with the fling spouse (husband). However, the court will permit a creditor to pursue the non bankruptcy filing joint debtor spouse (wife), if the filing spouse spouse) does not pay 100% of the debt to the unsecured creditor. In other words, if a chapter 13 Joint debt spouse, who files individually, pays less than 100% to an unsecured creditor, the creditor can apply to the court for permission to proceed against the non-filing joint debtor spouse, for the balance that will not be paid through the trustee payments.

An individual may file a chapter 13 for the purpose of saving a house from foreclosure. Typically, if the mortgage (s) and note (s) are in the name of both spouses, and they are unable to modify any mortgage and / or note, only one guest must file to save the house from foreclosure.

An individual may file a chapter 13 for the purpose of saving an auto from repossession. Generally, if the financing, is in the name of both spouses, and they are unable to modify the financing agreement, only one spouse must file to save the auto from repossession. If the financing is in the name of one spouse, typically only that spouse would need to file to save the auto. This interpretation may vary.

New Jersey Bankruptcy Lawyer, Robert Manchel, Esq. is the author of this article. Robert Manchel is Certified as a Consumer Law Bankruptcy Attorney by the American Board of Certification, which is accredited by the American Bar Association.

You can obtain additional information about bankruptcy by calling Mr. Manchel at his toll free number 1 (866) 503-5655 or by visiting his web site at http://www.bankruptcylawyer-nj.com

Robert Manchel cases cases from the following counties: Cumberland: County; Atlantic County; Salem County; Gloucester County; Camden County; Burlington County; Hunterdon County; Somerset County; Middlesex County; Ocean County; Mercer County; Monmouth County; and, Philadelphia.

Disclaimer: The bankruptcy laws are complex and may be applied differently, in each case, and State. There may be numerous exceptions and variations for each law and rule. Do not rely on the information provided in this article. If you are considering filing for bankruptcy protection or have foreclosure issues, you should consult with an experienced lawyer. We are a debt relief agency. We Help people file for bankruptcy relief under the bankruptcy code.

© 2008 Copyright by The Law Offices of Robert Manchel. All rights reserved.

Knowing Your Judge in a Family Law Case in Essex County, New Jersey

New Jersey Superior Court, Family Division of Essex County is the busiest family law courthouse in New Jersey. The diverse county of Essex includes wealthy areas like Short Hills and Livingston and poorer areas in Irvington and Newark. The courthouse is located at 212 Washington Street in Newark, NJ. While there are many different types of family law cases in a family law courthouse, this article will focus on the Judges of the Matrimonial Division which handles divorces and post divorce actions.

Judge Nancy Sivilli is one of the longest standing family law/divorce judges in Essex County. Judge Sivilli was a civil court judge prior to being transferred to the family division where she handles a very heavy docket. Judge Sivilli is a neutral judge that understands both sides of the story as she is married and has children. While it is not critical for a family law judge to have kids, I believe having kids gives you a different persepective than someone that does not. Judge Sivilli make the speech at the early settlement panel to inform litigants of their chance to resolve their matters before having a trial.

The next judge is the Honorable Judge Donald Kessler who has also been on the family law bench of Essex County for a long time. Judge Kessler is a stickler to the rules of the court, but is a very kind and patient person. He does not tolerate yelling or other unruly behavior in his court. He permits people to make their arguments one at a time as a court should be like and not like the Maury Show that some judges permit. Judge Kessler is a family man who really watches out for the needs of the children in each case over anything else.

Judge Michael Casale is the next judge that focuses on matrimonial cases and is a judge that I believe understands the rules of equitable distribution more than most judges. In a recent case, he ruled that the party who invested pre-marital funds into the marital home should retrieve that portion of the equity before dividing anything that may be left. While other judges rule that once you invest money together, the money is “commingled” and the division of the money is lost. This latter argument to me does not make sense in a court of equity. I agree to Judge Casale’s methods and theory.

Whether you have a case before Judge Sivilli, Judge Casale or Judge Kessler, Judge Neil Jasey, Judge Russell, Judge Adobato, the divorce process in Essex can be very long because of the “war between Trenton and Essex” and the lack of judges allotted to Essex which has caused a family court trial backlog. While there is a backlog, the good news is that these judges are very wise and do manage their calendars quite well.

Anti-Discrimination Law and Individual Rights in New Jersey (NJLAD)

Discretion occurs when an individual receives unilateral treatment due to legally-protected characteristics. The New Jersey Law Against Discrimination offers nearly the same protections guaranteed under the federal anti-discrimination laws; however, it is more extensive, more liberal interpreted, and offers much more in the way of rights and remedies for New Jersey employees. It guarantees the protection of civil liberties in places of public accommodation, employment, housing, credit and business contracts. In New Jersey, a person can not be denied access to public institutions because they possess (or are perceived to possess) a certain trait that an owner finds undesirable. No place of public accommodation is permitted to restrict access on the basis of legally-protected characteristics or disabilities. A New Jersey employer can not refuse to accept an application for any reason that does not relate to the specific nature of the work presenting a conflict with their realistic ability to provide accommodations. They can not deny training, promotions, or other employee work benefits. Employment rights are civil rights and an employee has an obligation to formally address their violation. Under the NJLAD, ignoring a complaint is considered a separate offense. The workplace must provide:

* Reasonable accommodations
* Readily-accessible facilities
* Fair and impartial treatment
* Non-hostile work environments
* Protection from retaliation

Schools funded by religious institutions are exempt from the NJLAD, as are private clubs. However, New Jersey is one of the few states where it is illegal for an exclusive establishment to discriminate against a member by limiting their advantages and privileges of membership on the basis of race, creed, color, national origin, nationality, ancestry, marital status , domestic partnership status, sex, or affectional or sexual orientation. Certain public institutions may not permit admission to some individuals, depending on their disability, if it has been officially established in court of law that doing so will result in serious harm to the disabled person or others.

A Taste of Honey – A Look at New Jersey's Favorite Beeekeeper

For most people, anything that flies and has a stinger is a bee and should be avoided at all costs. But this is not the case for 53-year-old Cathie Skove of Sussex County, New Jersey. Not only can she tell you the differences between yellow jackets, hornets, wasps and bees, but she welcomes sting insects into her life.

At 5 feet 4 inches tall, Skove-who is my mother-is not a highly impressive figure. Her strawberry-blonde hair, her freckles and her small frame make her look almost frail, like she'd break if you bumped into her. This delicate woman does not seem like the daredevil type, but appearances can be deceiving. Skove is a professional beekeeper.

Skove has been raising honeybees at her Green Township home, about a 50-minute drive from Newark, as a hobby for more than 25 years. When she first started, Skove produced enough honey for her own use and sold a few jars here and there if she had a surplus. In the last few years, what was once a hobby has rapidly expanded into a full-scale business operation.

Skove does not wear gloves or the traditional white suit you may picture when you see the word beekeeper. When the weather is nice, she wears Birkenstocks, shorts and a tank top to work her bees. Sometimes she wears a veil to cover her hair and face, but she does not do that all the time when the bees are mellow, a ponytail is enough.

Skove has more than 40 beehives at eight locations in and around Sussex County, including a dozen in her backyard. From her hives, Skove collections 1,000 to 2,000 pounds of honey each year. What does she do with a ton of honey? She sells it.

Skove's raw honey and homemade beeswax products can be found at wholesale health stores and farm markets in Sussex and Warren Counties. "Mostly farm-oriented type things," Skove says. "I do not have anything retail. I do not feel like I'm big enough to handle that kind of a supply commitment." In addition to filling orders for local businesses, Skove has a host of regular customers, who call or stop by to get their honey fix, and at least five phone calls a week from strangers who are referred to her. Holiday traffic grew so much in the last six years that Skove started holding a three-day annual open house in her home to showcase her products. She serves 60 to 80 customers each year through her open house alone.

When my mom's business expanded enough that she needed business cards, she realized that she did not have a name for herself. Her brother, who was visiting from Maryland, pointed out that every time customers called or stopped by, they called her the "honey lady" or the "bee lady." Skove decided to stick with what already worked.

While the Honey Lady primarily works alone, she gets some help from new beekeepers who want to get experience and to learn from a pro. "I also have one friend who's a teacher with summers off, and she'll come and help me maintain equipment and sometimes roll candles. Skove enlists the aid of friends, neighbors and family members around the winter holidays when her order volume is highest.

An operation of this size requires a lot of work. The Honey Lady offers raw (unprocessed, unheated and unblended) honey, flavored honey, creamed honey, honey candy, honey sticks, honey with nuts, honey with dried fruit and, most recently, a line of beeswax-based beauty products, including lip balm and hand cream.

To accommodate her equipment and storage needs, Skove's husband, Mark, built her a workstation in the garage complete with a countertop and built-in cabinets. She has gradually taken over two sections of the three-car garage, not to mention all of the cabinets in one of the two bathrooms in the family's brick schoolhouse.

Skove makes all of her "wax-type stuff" -candles, ornaments, hand cream and lip balm-in her kitchen, "much to everyone's chagrin," she adds giggling. Looking around Skove's house, it's not hard to see why she thinks it's funny. The kitchen counter is cluttered with empty jars, rolls of labels and blocks of wax waiting to be strained. Her dining room table is barely visible benefit cases of honey, boxed ornaments and the packaging supplies Skove uses in making her custom gift baskets. The aroma of honey lingers in every room, and nearly every surface that can accommodate a knick-knack holds a jar of honey, a beeswax candle or a piece of bee-related artwork that was a gift from one of the Honey Lady's customers.

Skove used to extract and bottle her honey in her living room, on top of the iron woodstove, but she had to move to the garage because the operation got too large. "It's grown tenfold, minimum," Skove explained. She switched from a manual extractor (imagine a three-foot-tall metal salad spinner), which, after placing two rectangular wooden frames full of honey into it, she had to crank by hand, to an electric extractor. Not only does the electric extractor beat out the manual one in efficiency by a ratio of 20-to-1, it saves Skove a lot of physical labor. "When I was hand-cranking every day, my right arm looked like Popeye's!" She flexes her bicep a little and laughs.

Skove's bees were not always such a big part of her life, Skove says. "When I was little I used to get hysterical if a bug got me. Never in a million years would I have believed it if anyone told me I'd be a beekeeper. Did not even own jeans when we moved here, and now all I want is to be outside, "she says earnestly, tucking a stray strand of hair behind one ear.

While beekeeping has changed her life drastically, Skove does not believe starting a business and devoting more time to something she takes pleasure in has changed her as a person. "I've expressed myself differently through beekeeping, but I've always been the same person. She thinks for a moment. "Now I'm doing what I was born to do. I finally have a purpose in life."

"I've done a lot of things that I loved, and I was good at a lot of them, but it's not just a matter of being good. know is I just love it, and I want to learn more about it. It's soothing to me. "Maybe this happened because that happened. It's like the bees put it out there for me to absorb it.

Skove does not remember a point at which she consciously realized that beekeeping was her passion. "All my other obligations did not need to become secondary, but I knew that I wanted to hurry up and finish them.

Skove sets priorities carefully to make sure she can give her business the time it needs without neglecting her other responsibilities. "With my other job, cleaning, I was working three to four days a week, and I reduced that to one day a week. with this, "she explains, kneeling on the garage's cement floor while she wipes a honey drip from a metal storage tub. "I'm hoping that in the long run this will be worth the time investment. And besides, it's what I love to do."

"All I know is I feel so close to nature. I feel so close to God when I work my bees." Skove's eyes grow bright as they fill with tears. "I lose myself. It's like I look up and it's two hours later, and I say 'How could that happen? I was just doing so-and-so!' Just to watch a queen hatch or a bee come in and transfer nectar to another bee or watch them come in with pollen in their baskets, and they're just all working together and doing their job-it's so organized and so logical and so comfortable to me. " She takes a deep breath, inhaling the scent of the honey in buckets behind her. "The sound of it, the smell of it. The smell when I'm making candles.

Skove's children are "just thrilled" with her growing focus on her beekeeping and her business. "After all these years of doting on them exclusively," Skove says, laughing, "I now have something else in my life that oftentimes takes precedence over them, compared with the way they were raised-with my total commitment and time, every waking moment devoted to them, either with cleaning, doing laundry, cooking, schlepping them here and there.

Skove's mood changes quickly from amusement to seriousness. "I felt like the only way to be a good mother was to give everything of myself to my family." As her children got older and became more self-sufficient, Skove found her priorities shifting. "You can not give everything of yourself away because then there's nothing left to do a decent job. And what I found is that we all got shortchanged. the hardest. "

Although she does a lot of business and works a lot of hours, Skove finds that her profit margins are thin. "Any money I make goes back into the business," she explains. "I buy new equipment." She makes a face. "Well, it's all used, but it's new to me, anyway." Skove hopes once she's purchased all of the tools she needs to keep her bees healthy that the profits will start rolling in. Right now, she's just working toward that point and hiring it's all worth it.

It had better be worth it, because the more time Skove spends with her bees, the less time she has for everything else in her life. Skove used to grow her own vegetables in addition to raising organic beef cows and keeping chickens for fresh eggs. "I've given up almost all of my gardening because there just are not enough hours in the day," she says resignedly. "Also, that needs to be done in the spring.

Skove's housekeeping has also suffered. "I used to be very efficient," she remembers. "I used to be creative with meals, and I do not do that anymore. We try to eat healthy as much as possible, but we eat a lot more prepared food than I ever even allowed in the house before. or not eating. " She shrugs. "I'm just kind of tired of being unappreciated, the never-ending cycle I was in before.

The Honey Lady has resigned herself to the fact that she'll never win a homemaker of the year award. "When I was in the house all the time I kept everything immaculate." Skove used to scrub the floors every day when her children were crawling. "Now I clean the toilet-and change the hand towels. I usually do that every day."

Fortunately, her family has picked up some of the slack as the Honey Lady's business has grown. I make dinner whenever I'm home from school and not working, and my brothers Alan, 17, and Jesse, 15, do the dishes every night-and clean whenever the mood strikes them. "I came home yesterday from working the bees, and Alan had vacuumed the whole living room and wiped off two of the tables.

When all three of her children were in school, Skove started taking some time for herself. She kept up her bee fascination, but she also started taking classes at Sussex County Community College. As with beekeeping, Skove's children were not pleased with her decision to focus even more attention on something that was not them. "My one child put his hands on his hips and said that I should stay home and take care of them like I was supposed to," she says indignantly. Despite the lack of support from her children, Skove found college very rewarding. "I had never gone to college before," she admits. "I was leaving toward respiratory therapy, and then I was considering pharmacy. Then I found out that they had changed it to make it a five-year college, and since I was going part-time …" she trails off wistfully.

While Skove enjoyed going to school and was pleased at how well she was doing, she kept being drawn back to the bees. "I hated being cooped up in the house all the time. I like learning-I just do not like learning inside."

Skove knew her family did not support her going back to school, so when it came time to return to beekeeping, she did not ask for input. Fortunately, her husband helped a lot. In addition to building her garage workshop, Skove's husband also helps her to move hives for pollination at different farm locations and to move heavy equipment. He is particularly handy when a hive swarms or vacates its home. The bees tend to clump in a tree- "The highest one they can find," Skove says. Her husband is about 12 inches taller than she is, and that height comes in handy when she's trying to recapture a swarm.

Skove has sacrificed a lot for her business and her family, but one thing she'll never give up is her "bee mobile." This rust-bottomed 1990 Ford Aerostar minivan does not have heat or air conditioning. When the temperature increases above 85 ° F, the turn signals stop working and Skove has to use manual hand signals. That is, when she can get the power windows to roll down. And it's a good thing all of the backseats are covered in bee equipment, because the sliding door handle fell off months ago. "The only way I've got a new bee mobile is if this one rusted all the way through, and the bees started coming in through the floor." She thinks for a minute, considering how long that will take. "We'll see," she says, her eyes twinkling. "It would be a travesty to do this much damage to a decent car. At least this way I do not have to worry about hurting it." Skove's husband, who is passing through the garage at this point, laughs. "There's so much rust on that thing that you need a tetanus shot to ride in it." She makes a face at him.

What has she learned from all of her hard work and sacrifice? "Do not dilute yourself with other people, trying to be something to everyone at the same time instead of doing what you need to do it for you. with other priorities, with things that I have chosen to make my priorities. 'm willing to do at the time, and then when they're not around I do the bee stuff.

Skove has greater self-respect now that she's doing more of what she wants instead of just what she has to do and saving a little for herself. Though Skove thinks others also have more respect for her since she's become more self-actualized. "I do not care what their perceptions of me are anymore. Bees have turned out to be not only almost my religion but a form of therapy. feel so good about myself it does not matter. I've gotten rid of negativity in my life because anyone who can do what I do and learn what I learn from God's creation-what more could you ask for? out of life? I just love it. I really do. "

This article originally appeared in The Newark Metro under the byline Kristen Skove in 2002.

CNA Certification in New Jersey – Certification Process and Renewal Requirements

The Omnibus Reconciliation Act adopted by Congress in 1987 clearly directs nursing homes and licensed facilities throughout the United States to employ nursing aides who have successful Completed Nurse Aide Training and Competency Evaluation Program (NATCEP). It was not so prior to the adoption of federal OBRA regulations because until 1987 nursing assistants were allowed to work without completing formal Nurse Aide Training Program (NATP). The lack of quality of care and safety in the licensed facilities, together with consumer concerns prompted Congress to pass OBRA-87 regulations, consisting of Nursing Home Reform Act. The law mandates a number of standards and guidelines for both nursing homes and working nursing assistants.

The federal legislation has also prompted the state of New Jersey to establish NATCEP curriculum for new and working nursing aides. The state government requires individuals complete formal Long Term Care Facilities Training and CEP successfully and obtain CNA Certification in New Jersey, prior to their employment as entry-level nursing assistants in an Assisted Living Facility or a long-term care facility.

NJ Nurse Aide Training Program

NJ Long Term Care Facilities Training is 90 hours, of which 40 hours is re reserved for clinical hands-on experience in a long-term care facility, and 50-bedroom hours. The training program can be completed in the county vocational schools and county community colleges, or a long term care facility where nursing aides wish to work. The NJ Department of Health (NJDOH) is entrusted with the responsibility by the state government to approve the training programs in the state.

NJ CNA Exam

The next step towards certification a passing required NJ CEP consulting NJ CNA Written Test (90 minutes) and NJ CNA skills Test (60 minutes). Both tests are independent of each other. The applicant must take skills assessment first before challenging NJ Written Test, and if they pass skill evaluation test, they can proceed for a Written / Oral part of the Test. The cost of NJ CNA Written Test – English is $ 53 and NJ CNA Skills Test is $ 23.

PSI, a Testing Service State Contract Vendor, contracted by the NJ Department of Health (NJDOH) is responsible for administering the testing services in the state of NJ. PSI also manages and maintains NJ Nurse Aide & Personal Care Assistant Registry.

NJ CNA Certification Renewal

NJ DOH requires all CNAs to renew and update their status on the NJ Nurse Aide & Personal Care Assistant Registry, and complete the Fingerprint process. The testing vendor, PSI sends the renewal mail 45 days prior to the expiration of the Certification.

Certification Renewal Requirements

  • Hold a current status License
  • Performed minimum 7 hours in a licensed health care facility for pay within past 2 years.
  • Certificate retained in good standing, not suspended or revoked.
  • Completed fingerprint process and criminal background check prior to the Certification expiration.

Nursing is one of the noblest occupations, and nurses are a critical link between a healthcare facility and residents. The positions held by them also demand passion to serve and allay the sufferings of patients with humble quality care and safety, meeting patient's emotional and spiritual needs.

Affordable Care Act – Where Do New Jersey Small Employers Go From Here?

Affordable Care Act – Where do small employers go from here?

Options to consider when choosing your company's employee benefits

We are well into implementation of the Affordable Care Act (ACA) and the impact of this legislation is being felt by many small employers.

First employers must determine if they qualify as small (fewer than 50 employees). This is not as simple as it looks. An employer may have 48 employees working 30 hours or more and conclude that they are a small employer. Yet if they have 10 employees working part time, less than 30 hours per week, these part-time employees must be translated to full-time equivalent employees.

Because each of these part-time employees equates to half a full-time employee, this particular employer has five additional full-time employees, or the equivalent of 53 full-time and full-time equivalent employees. This company actually qualifies as a large employer and must follow the regulations applying to large employers.

That being clarified, the next question a small employer will ask is whether they continue to offer coverage – can their business afford it? What happens if they do not offer coverage – will they still be able to attract and retain top talent? These are difficult questions with various opportunities depending on the employer's decision.

If the employee opts to continue offering coverage, next they must consider their options. Do they offer benefits on the Small Business Health Options Program, or SHOP, the federal exchange? As of now employers are able to offer only one plan option on the SHOP, and employees can only be turned on paper. (In 2015 it is expected that enrollment will be available online.)

Medical plans offered on the SHOP also must be offered outside the program. So what are the benefits?

Small employers who opt to enroll employers via the SHOP may qualify for the small business tax credit, which is not available outside the SHOP marketplace. To be eligible, an employer must cover 50 percent of the employee-only cost and have fewer than 25 full-time employees, including equivalents, and employee wages must average less than $ 50,000 per year.

Another benefit of the SHOP is that full-time employees are defined as those working 30 or more hours per week. Outside the SHOP, under New Jersey law, full-time employees are defined as those working 25 or more hours per week.

Another area of ​​questions for small employers are private changes and using defined contributions.

Private Exchanges are similar to the SHOP except the employer can offer up to six different plan options that the employee can chose from, depending on what best fits his or her needs. Defined contributions are a fixed dollar amount (a "defined contribution") provided by the company that the employee chooses how to spend.

Choosing a private exchange in conjuction with a defined contribution approach seems to be the wave of the future. With traditional employer-sponsored health plans, employers are building their benefits around a certain plan chosen by the employer. With a defined contribution approach the employer builds their benefits around a set dollar amount. This allows employers to predict what their health benefits costs will be.

With a defined contribution employees are giving a virtual "gift card" with a set amount of money on it that they may use to shop for their own insurance from among the employer-provided multiple benefit options. It is a win / win for all. The employer can set their budget and the employee has multiple options from which to choose.

In 2014 most employers are choosing to stay with the private carriers since they offer more plan options. In addition, some employers are getting their premiums reduced by as much as 45 percent because the plans were having many very plan options. Before ACA took effect carriers may have offered 30 plans to employers. Now they may only offer 10. On the other hand, [premium increases at] renew have gone as high as 88 percent.

Vaults Emerging as Answer to New Jersey’s Tank Dilemma

Thousands of New Jersey businesses need to store petroleum products at their facilities, whether for heating, to fuel vehicles, for emergency generators, or a dozen other pressing needs. Today there are estimated to be in excess of 80,000 regulated commercial tanks in New Jersey alone. Most are underground, some above ground and, recently, some combining the best of both methods, the concrete vaulted tanks. In this article I will take a look at each approach for its strengths, weaknesses and cost factors.

UNDERGROUND STORAGE TANKS (USTs)

Historically, petroleum storage was literally driven underground by a variety of concerns centered around fire safety. Because of these concerns, and the regulations they spawned, the overwhelming majority of storage tanks in use today are underground tanks.

In the past five years the federal EPA and State Departments of Environmental Protection and Energy (DEPE) have formulated new construction criteria for both the installation of new tanks and the required upgrade of existing tanks.

With scheduled deadlines for these tank upgrades quickly approaching, tank owners are faced with some difficult economic decisions. The cost for tank and piping upgrades starts at $10,000, and, in most cases, retrofitting an existing steel underground storage tank is a short-sighted and expensive undertaking. Due to variable water tables and the predominance of clay and silt soils, both vapor monitoring and continuous groundwater monitoring are impractical, if not impossible, and in all cases will only alert a tank owner of a leak after the damage has occurred.

With these concerns complicating the upgrade, the most effective solution, if we stay with conventional underground storage, is often complete replacement of a given storage tank system This then expands the price range of a standard 2,000 gallon tank job to a minimum of $20,000. (triple this number for a 12,000 gallon tank).*

In addition to these basic construction costs, there are significant costs associated with simply maintaining and operating underground tanks. These expenses must also be considered when we evaluate the total project cost. For purposes of comparison, let’s look at these costs over a 10-year period of 12,000 gallon UST ownership in the State of New Jersey.

Right up front, we have the NJ DEPE’s registration requirement which commands a SI00 annual fee. While fees may certainly change from year to year, it is a safe bet they will not decrease. Over a 10-year period, this adds minimally SI000 to the cost of the project.

Then there is the cost of insurance. The NJ DEPE technical requirements N.J.S.A. 58:10A, effective 9/90, lay the groundwork for UST owners to carry their own insurance against leaks and discharges. Chapter 14 of this regulation, which has not yet been released, spells out the specifics of such insurance. When the insurance industry completes its research on the risks associated with UST insurance and prepares a product to cover UST owners, it appears likely that such coverage may be mandatory – another significant operating cost.

Currently, contractors’ pollution liability insurance is available, and many installation firms carry it. When a firm which performs 20 sizable installations in one year pays S50,000 for the pollution liability portion of its insurance program, it follows that each installation will be expected to carry a prorated share of the burden. Or $2500.**

Annual testing of the tank’s anticorrosive protection system is another cost which must be added to the equation. A $400 yearly maintenance/service contract which includes an inspection of the protective system and periodic water pumpouts is a necessary investment and adds S4000 to the long-term operating costs of our new UST.

Finally, as with any long-term ownership of a capital item – especially one with delicate electronic monitor sensors and controllers – we must look at the devalued worth of the item after wear and tear, obsoletion, and depreciation. This loss must be figured into our equation as well.

Adding all these factors together, the total cost of our hypothetical 10-year UST ownership, including the initial system construction, amounts to approximately $90,000.

Certainly, there must be less expensive options.

ABOVE-GROUND STORAGE TANKS (ASTs)

Above-ground storage tanks have been around for some time and are commonly used for fuel storage. Their applications vary from the small 275 gallon free-standing residential basement tanks to massive compounded field-erected storage silos.

ASTs are currently receiving much attention and interest. They are completely exempt from NJ DEPE requirements, including requirements for registration and insurance. This freedom from restriction coupled with relative ease of AST installation, reduces the ten-year cost of ownership to one half that of a comparable UST.

There are however, drawbacks to the ASTs as well.

First, to safeguard the tank area in the event of an overfill or a rupture of some sort, the AST should be diked or placed inside a second tank system. Second, an open dike can fill with rain water and possibly rust from the inside out. Third, exposure to the elements will accelerate corrosion of the tank as well as the dike.

A brush-blasted white epoxy-painted. Diked AST with either a shed roof or rainshields is the state of the art in ASTs, but the fact remains that the unsightliness of the tank, plus its size, can be a major drawback.

For the storage of gasoline there is a potential vapor hazard with ASTS. Because of this, they are prohibited by NFPA 30 in some situations. The effects of cold temperatures on the viscosity of fuels must also be addressed. Often, this requires the installation of steam coils or electric heaters.

But the largest drawback for the application of ASTs over USTs is the zoning hurdle.

USTs are exempt from BOCA codes while any above-ground construction over 100-foot square must obtain site plan approval in most communities. If the ownership is corporate, such approval must be presented by legal counsel. This process involves public hearings with mandatory notice to neighbors within 200 feet of the property line. Unsightliness of the AST may become a minor sticking point as more significant concerns such as environmental impact and overall nature of the owner’s operation come under the scrutiny of often hostile neighbors.

The process of gaining AST approval can become quite costly, bringing the upper end of costs plus maintenance of our 12.000-gallon project to $55,000. This, of course, is all contingent upon actually winning a zoning board’s resolution allowing the project to proceed.

VAULTED STORAGE TANK SYSTEMS (VSTs)

It is my premise that the vaulted storage tank system, our third tank alternative, offers a combination of the best features of USTs and ASTs. In VSTs, the primary tank is completely surrounded by an impermeable concrete enclosure. Designed in such a way that the primary tank is completely inspectable, VSTs are exempt from DEPE registration and regulation, yet they can be installed below grade and are therefore exempt from municipal planning board and zoning approval. And finally, when all the long-term operating costs are factored in, VSTs can be installed at a significantly lower cost than conventional USTs.

Historically, VSTs have been around for a long time in the form of burial vaults, septic tanks, and meter pits. More recent applications include optical tele¬communication link pits, where accessibility, security and thermal isolation are all important considerations.

Design advantages inherent to VSTs are as follows:

  • Structural strength – a concrete exoskeleton protects the primary tank from corrosion, deflection, thermal stress, ballistics and ground movement.
  • Thermal isolation – the reinforced concrete vault is typically 6″-8″ thick, thus providing protection from temperature extremes. Vaults come with a minimum two-hour fire rating.
  • Accessibility – the primary tank is completely accessible, thus simplifying piping modifications, tank cleaning, and annual inspections or audits.

Installation advantages of VSTs are as follows:

  • Whether below grade, at grade or above grade, configuration is identical, requiring no engineering modification.
  • Anchor systems are unnecessary for VSTs where conditions would require anchoring of conventional USTs. VSTs are massive enough to overcome buoyancy problems.
  • The vault can sit directly on the earth or gravel surfaces, thus minimizing surface preparation requirements.
  • VST installations are exempt from OS HA shoring requirements. VSTs can be crane-lifted directly into machine-prepared excavation, so there is no need for personnel to work at the bottom of an excavation.
  • There is no need for a concrete overlay as the vault roof can also serve as a surface pad. Where vehicle traffic must pass over the top of the vault, extra thick, reinforced vault lids are available.
  • There are also significant maintenance advantages for VSTs inherent to the design and the accessibility of the primary tank. Electro-mechanical repairs are simpler as all conduits and pipes are exposed. Another advantage is that the precast concrete lid has much greater uniformity and strength than a conventionally poured surface pad. Forces that crack and heave surface pads are inconsequential to VST systems.

Finally for our 12,000-gallon tank example there is the economic consideration. With an installed price of 570,000, the VST does require a larger initial investment than a conventional UST; however, the operating costs over 10 years are limited only to painting and inspecting the primary tank with a budgeted price of $2500.

SUMMARY

From our hypothetical 10-year comparisons, it is clear that the cost of owning a VST, at $72,500, is considerably less than that for a conventional UST, at S90.000. And in comparison to the troublesome AST, the VST offers a clear-cut, value-added alternative.

* For comparison purposes, throughout this article tank attachments will remain constant and include the following: full¬blown inventory control monitor and leak detection system with printer, overfill prevention and spill containment, double walled product line piping and piping sumps outfitted with leak sensors.

** This figure has been verified by Hal Melcher, UVW Associates, Somerset, NJ, with some restrictions.

Ten Little Known Facts About the Vacation Hot Spot of Wildwood, New Jersey

Long known as one of the top vacation destinations on the East Coast, Wildwood, New Jersey has a great number of attractions and activities that continue to satisfy and please visitors year in and year out. The city was founded in the late 1800s and almost immediately became a popular tourist destination. With its numerous hotels, many still showing their original doo-wop style of architecture, and the famous boardwalk, Wildwood is definitely outfitted with not only the normal trappings one would find in a beach front resort community, but also the extra things that make a vacation truly special. Here are ten little known facts about Wildwood, New Jersey.

1. Morey's Piers is one of the most famous attractions in the city of Wildwood. It features more than one hundred amusement park rides and attractions including roller coasters, the tallest Ferris wheel on the east coast and more.

2. Since 1970, the area has hosted the annually New Jersey State Fireman's Convention.

3. Before being incorporated as a city in 1912, the area that is now known as Wildwood was a New Jersey borough known as Holly Beach City.

4. The community's high school athletic teams are known as the Wildwood Warriors.

5. Wildwood's famous boardwalk has an equally famous tram car that runs its entire length joining the community with North Wildwood. The Tramcar, as it is known, is a trackless train that was first established in the early 1950s.

6. The boardwalk that stretches along the city's ocean coast is home to a chapel that holds nightly services that are open to any and all travelers to the area all summer long.

7. Pop singer Bobby Rydell sings a song titled Wildwood Days which is about the community.

8. The off season population of the city is a little over 5,000 permanent residents, during the summer months it is not uncommon for well over 200,000 people to fill the it.

9. Wildwood's claim as the birthplace of rock and roll comes from it being the first place where Bill Haley & His Comets performed what is widely thought of to be the first rock and roll song, Rock Around the Clock. This happened over Memorial Day weekend in 1954 at the HofBrau Hotel.

10. One of the largest and most famous Ultimate Frisbee beach tournaments is held every year on the waterfront of Wildwood, New Jersey.

With just one visit to this Atlantic Ocean community, it is easy to see why Wildwood has maintained its high level of popularity with vacationers for more than one hundred years. The city offers a great mix of nostalgia, as well as modern tourist attractions and features, in a way that will certainly satisfy anyone lucky enough to plan a trip there in the near future. Wildwood, New Jersey is truly one of the Northeast's true vacation treasures.