1. home and garden

K. HOVNANIAN’S®
Four Seasons at Manalapan
An Active Adult Community
The Official Publication of the Four Seasons at Manalapan Homeowners Association, Inc.
www.fourseasonsatmanalapan.com
Volume 8, Number 3
"Who has seen
the wind?"
Daffodils
I wandered lonely as a cloud
That floats on high p'er vales and hills,
When all at once I saw a crowd,
A host, of golden daffodils;
Beside the lake, beneath the trees,
Fluttering and dancing in the breeze.
By William Wordsworth
MARCH 2015
2
Pegasus Press • March 2015
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We Landscape
In Color
for
All Four Seasons
by Richard Leimsider
An Active Adult Community
Pegasus Press Staff
A light exists in spring
Not present on the year
At any other period.
Editor-in-Chief............................................................... Richard Leimsider
When March is scarcely here…*
Distribution Editor................................................................ Warren Carter
Photographic Editor..........................................................Harvey Salzman
Copy Editor.......................................................................... Bernard Jacks
Production Proof Reader..................................................... Warren Carter
Copy Assistant/Columnist................................................. JoAnn Abraham
Columnists at Large ............................................... Steven Blumerman,
Sue Goulden, Kal Silverman, Carol Krimko, Bunny Libenson,
Anne Quatrochi, Stuart Speck, Bernard Jacks, Steve Resnick
Research Assistant.............................................................. Warren Carter
Photography Sub-committee....................................... Eleanor Goldstein,
Harvey Salzman, Jerry Simon, Kim Silverman
Distribution Staff........................................ Warren Agate, Ellen Deutsch,
Laurie Feldman, Murray Friedman, Christine Fornes, Hannah Gold,
Diane Goldstein, Gail Lassoff, Arnie Lifland, Barbara Scheinerman,
Iris Silverman, Dave Sobel, Stuart Speck, Barry Tepp, Lydia Leimsider
Past Editors.............................................. Andrea Shorr, Bunny Libenson,
Carol Krimko, Maria Sabatino, Barbara Sugarman
Community Services
Community Property Manager Kimberlee Weisneck 732-786-1725
[email protected]
sK
44 Palomino Drive, Manalapan, NJ 07726
Fax - 732-786-1728
Lifestyle Director
Diane Sheehan 732-786-1727
[email protected]
Four Seasons at Manalapan Clubhouse
732-786-1724
44 Palomino Drive, Manalapan, NJ 07726-9566
Assitant Property Manager
Debbie Impresa 732-786-1725
[email protected]
Gatehouse (Security)
732-446-6478
Emergency Services
800-956-1097
Warranty Services
1-800-428-2516
Jane [email protected]
Important Phone Numbers
Emergency phone numbers during non-business hours (5 P.M. - 8 A.M.)*
In the event that you have a true emergency after normal business hours,
call the number for the following emergencies:
Plumbing Emergency............. F & W Mechanical......................... 732-286-4747
HVAC Emergency.................. Kool Vent........................................ 732-905-3756
Electric Emergency................. Mac Electrical Contractors..............732-684-1129
...........................................................................................................732-522-7088
*In the event that you experience an emergency after normal business hours, please inform your
Homeowner Service Coordinator on the next business day.
Emergency phone numbers during normal business hours (8 A.M. - 5 P.M.)
Fire & Rescue.......................... Manalapan Fire Dept...................Emergency 911
........................................................................................................ 732-462-1112
Police................................................................................................................911
........................................................................................................ 732-446-4300
Electric Company.................... JCP&L............................................ 800-662-3115
Gas Company.......................... NJ Natural Gas Co......................... 800-221-0051
Telephone Company................ Verizon........................................... 800-675-9966
Sewer....................................... Western Monmouth Utility Authority
........................................................................................................ 732-446-9300
Garbage................................... Manalapan Twp............................. 732-446-8404
Irrigation................................. Down to Earth......................... 800-280-1837 x15
Water...................United Water Matchaponix, Inc........................ 732-446-5102
K. HOVNANIAN’S FOUR SEASONS AT MANALAPAN
K. Hovnanian Homeowner Service Office
110 Fieldcrest Avenue, Edison, NJ 08818 • Phone 732-225-4001 / Fax 732-623-6925
Cover and Centerfold
created by Harvey Salzman
A-L-L Irrigation questions, concerns or EMERGENCIES
should be directed to Down to Earth Irrigation
800-280-1837 x15 – Jessica, at any time
(day / night / weekend)
I’m looking out my back window as I’m writing this… the pond is
frozen over, and snow covers the vast expanse of uninhabited space beyond
the patio. Up the berm toward Woodward Road, then gently sloping down,
forming undulations in the now hidden terrain. It is a winter wonderland,
a Currier and Ives print, there in my own backyard. Two small, perhaps
frightened, deer stop for a moment, eye the sleeping shrubbery, then bound
away, noiselessly, into the whiteness. The winter sky looks down, with
gray, leaden eyes. It’s quiet out there.
I have a confession to make… I like it when it snows. Each
snowflake, I am told, has its own, unique shape: Nature’s reminder of
individuality. The sky fills with them, an incredible profusion of swirling,
whirling, twirling bits of icy joy. The hoary blanket covers the grass, then
the rooftops, the sidewalks, the streets, and the driveways fill in, like the
remaining pieces of a child’s puzzle. All is hushed, except perhaps for the
song of the wind as the snow is blown and thrown, to and fro, back and
forth, destination – unknown.
They promised the “blizzard of the century”; well, it was going to happen
anyway… I tried to see the bright side. Obligations would be postponed,
travel impossible, and respite from the daily humdrum, at least one full day,
maybe with a little luck, two – or even three… such freedom! Freedom
to watch, aimlessly, as each flake falls, taking its place next to or above
its fellows. Freedom to gaze as drifts are born and disappear, and then are
born again. Freedom to sip a warm drink in a cozy spot. Freedom to curl
up by the fireplace with that oft-neglected book, perhaps to daydream a bit
about one thing or another…
And then, betrayal. One day of mere inconvenience, and then, back
to normal. Such disappointment! Such deprivation!
Yes, I know, spring is on the way. The flowers will bloom, the trees
will once again be dressed in varied hues of green, the poets will rapture.
There will be balmy days, walks in the park, outdoor sports, and pleasant
nights under starry skies. Away with the furs and the heavy coats and the
vestiges of cold, lifeless days. Down with shorter days and longer nights
and bleak horizons. Bring on the rebirth, bursting with vitality and activity!
But… gone will be the pristine beauty of the trees’ bare branches,
and the moments to feel the joy of warmth as we seek sanctuary against
the cold. Gone will be the chance to reflect upon Nature’s other side, superficially cruel, but laden with opportunity. Gone will be the possibility,
unencumbered, to read that book, dream that dream.
Winter, I’m going to miss you.
*From “A Light Exists in Spring” by Emily Dickinson
Statement of Editorial principles
Pegasus Editorial Staff
The goal of the Pegasus Press, the official publication of the Four
Seasons at Manalapan community, is threefold:
-To provide information to residents of FS@M from the Board of
Trustees, its committees and clubs, the property management company,
and the township
-To inform the residents of FS@M as to social, cultural, and educational events in the community and surrounding area
-To establish a means of communication within FS@M that fosters
community spirit and goodwill among residents
All articles and opinions expressed in the Pegasus Press represent
the viewpoint of the respective authors and do not necessarily represent
the opinions of the FS@M community or its editors. We assume no
responsibility for the contents or the accuracy of the same.
Pegasus Press reserves the right to reject, edit, or condense all submissions and will not accept any article it deems libelous, inflammatory,
plagiarized, or in bad taste.
Senior Publishing Company prints the Pegasus Press at no cost to
the FS@M Homeowners Association. The publisher and not the editorial
staff of this publication have solicited most advertisers. We disclaim all
responsibility for the goods and services advertised herein.
Pegasus Press • March 2015
Four SeasonsAt Manalapan
3
Letter From The Editor
K. HOVNANIAN’S®
Pegasus Press • March 2015
4
From Your Board of Trustees
Rick Gross
FYI
Stu Abraham
David Miller
Gene Avidano
Janet Adrian
Professionally managed by Taylor Management Company
44 Palomino Drive • Manalapan, NJ 07726 (732)786-1725
A note from the Board of Trustees - Four Seasons at Manalapan
A periodic bulletin from the Board of Trustees to keep the FS@M community informed of Board activities.
Bulletin #7 - February 2, 2015
Snow Clearing Procedures
Our recent snow events, including the "Blizzard of 2015", have generated a number of questions and concerns from our homeowners. Based on a
review of the concerns raised, the Grounds Committee and the BOT working with Down To Earth (our contractor) have made some changes to improve
the situation.
Effective immediately, Down to Earth (DTE) will clear all service walks (i.e., the path to your front door) and driveway aprons (the concrete portion of the driveway from the street to the sidewalk). There has been some confusion among the crews as to clearing the service walks and aprons when
there is a vehicle in the driveway, but this has now been clarified and all walks and aprons will be cleared. In addition, DTE has now agreed to clear a
narrow path down the driveway from the service walk to the street. The path will be cleared along one side of the driveway adjacent to the grass.
There has also been some concern raised about our procedure of not clearing driveways with vehicles parked on them. The genesis of this procedure
is threefold: DTE uses heavy equipment to clear the driveways that cannot be safely used with a vehicle present; use of manual labor with shovels to
work around the vehicles is time-consuming and costly; concerns by DTE that even shoveling could damage vehicles in the driveway.
For this season, the current procedure will apply — driveways with vehicles in them will not be cleared. As a reminder, any resident who wishes to
have their driveway cleared can remove their car from the driveway when the snow removal equipment is approaching their house and then return the
vehicle to the driveway after it has been cleared. The second option is to park the vehicle in the Clubhouse parking lot (after advising the Management
Office) until the driveway has been cleared.
The BOT, in conjunction with the Grounds Committee, will assure that these matters are reviewed as part of the negotiation of future contracts (we
are presently in the middle of a three year contract). All the impacts of making any change to this policy will be assessed. The potential extra time to
clear the community, the possible extra cost of the manual labor, and the remaining potential hazard to vehicles in the driveway will be analyzed.
From the Desk Of
Your Lifestyle Director
Diane Sheehan
Hi Everyone,
By now most of you have seen my name eblasted announcing the arrival
of your new Management team. I have received a warm welcome from
many of you already. If you haven't stopped in to see me yet, please do. I
can't promise that I'll remember your name right away, but over time I'm
sure I will. I'm in the office Monday through Friday, from 10 A.M. - 2 P.M.
I will be working closely with the various Clubs and Committees, but
I would love to get ideas and suggestions from you- please email me at
[email protected]. I can't promise all your dreams will come true,
but I will do my best to consider your thoughts. I've had the suggestion of a
Choral Group for anyone in our community to join. I'm trying my best to get
one off the ground. There's a folder in the rounder if you're interest- or you
can drop me a line and I'd be happy to add your name to the "interested" list.
The Senior Olympic is in the beginning planning phases. Watch your
emails and the Pegasus Press for Save the Dates and information about
signing up.
Stay warm and remember Spring is right around the corner!
Diane
Do Not Forget!!
Daylight Saving Time
Sunday March 8th!
5
Pegasus Press • March 2015
Prior Studies on page 31
Replacing Your Outdoor Energy Star Lighting Fixtures
The outdoor lighting fixtures installed by KHov in the front and rear
of some of our houses are Energy Star fixtures that are designed to be on
for many hours each night without consuming a great deal of electricity.
They have photocells which automatically turn on the outdoor lights at
dusk and off at dawn.
There may come a time when those fixtures will have to be replaced.
After all, nothing lasts forever. So when that day comes, you are required
to install a fixture that complies with Four Seasons at Manalapan standards.
The fixture should look similar to the one the builder installed, have a
photocell, and use CFL or LED bulbs. The fixture must be approved by
the Architectural Committee. Application forms can be found on the wall
opposite the fitness center in the Clubhouse or the community website.
Remember, when shopping for your fixture ask for Energy Star qualified
fixtures.
These fixtures are easy to install and replacement does not require a
township permit. Keep in mind that a qualified electrician should install it to
insure that it is mounted properly and the electrical connections are correct.
An alternative to turning the fixture on and off with a photocell is a
timer. The wall switch can be replaced with a programmable timer so the
fixture turns on and off at your desired time. A variation of this timer is one
that can be programmed with your location on the earth so that the built in
computer will know when the days get longer and shorter so that the light
turns on only when it’s dark. It also knows when it is daylight savings time.
By using a timer you can buy a fixture without a photocell. Leviton VPT24
and Honeywell RPL740B-7 have these features. For your information we
are at 40 degrees N latitude and 74 degrees W longitude.
Ask Roy
Roy Nathan, a member of the Homeowner Maintenance Committee, is a retired engineer. He is available to answer any questions that
you may have concerning your home. He can be reached by phone at 732-851-6855 where such questions can be directed to Roy.
This will be a direct confidential conversation between the homeowner and Roy. Community members should know that the Code of Ethics of the Homeowner
Maintenance Committee requires that all committee members keep all personal information confidential. The committee may use a general problem for an
investigation to share with the community but personal information will be held in strict confidence.
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Breast Cancer Support Group
FSM Women's Club
"You'll Never Walk Alone"*
Judy Epstein and Carol Lifland
FSM Women's Club Co-Presidents
Diagnosis: breast cancer.
Hearing those words is every woman's nightmare. The day I became
a breast cancer patient, I could not understand or believe how I could deal
with this. So many thoughts, doctors appointments, tests, medical opinions
and decisions needed to be made. I quickly found out you do what you
have to do to live.
Medically, what needed to be done was done. Family and friends were
wonderful, caring and always there for me. But, something was missing.
I felt like I was the only woman to have to bear this terrible experience.
I needed to speak with other women who have gone down the same
road. So, I found a support group online and started to have conversations with women who could understand how I was feeling. They all had
stories to tell. They gave me insight to different treatment options and
more important , they just listened and understood how I felt. I knew how
important that was for me.
The Women's Club in Four Seasons at Manalapan offers a Breast Cancer
Support Group. I have met some fabulous women in our group and it has
humbled me. Their knowledge, enthusiasm and support makes me feel so
good. There is something very comforting in knowing you are not alone
on this road.
Some of us are many years free from this disease and some of us are still
going through treatment. These women have such brave hearts. Nothing
will diminish their love of life. They have shown me so much courage,
proving that it is possible to win the fight with support, awareness, the right
care and hope.
Our Breast Cancer Support Group is a safe and confidential place. We
share encouragement, laughter, helpful suggestions and so much more. We
try to help you survive and thrive.
Please remember that early detection is so important. Schedule your
yearly mammograms, discuss other screenings and report any breast changes
to your doctors.
Have any questions? Please call Diane Goldstein at 732-446-2443, Flo
Miller at 732-536-3375 or me, Goldie Golden at 732-851-6637.
Our next meeting is Saturday, March 7, 2015, 9:30am, in the Women's
Card Room.
“Walk on, walk on with hope in your heart
And you'll never walk alone”*
*Lyrics written by Rogers & Hammerstein
• Home inspections
• Cottonswab mold testing
• Thermal imaging inspections
• Radon testing
• Air quality testing
• Prelisting inspections
• Warranty inspections
• Certified infrared thermographer
g
alizin
Speci arranty
in W ections
Insp
Report defects found in your home so they
can be corrected by the builder at their cost
BEFORE your 1-year warranty expires...
...Afterwards, it is your responsibility!
Call today for an inspection before your
year runs out!!
21 Shoemaker Road, Manalapan NJ 07726
NJ Home Inspector Lic #24G100091600
732.792.6687 • www.InspectItNeil.com
The FSM Women's Club February hiatus is over and we gladly welcome the month of March as it brings us closer to Spring, longer days, and
warmer weather.
Although we were on hiatus, we thank Learning 4 All Seasons for
presenting two films in February to brighten up some dreary winter days.
Please watch for e-blasts, e-mails and the Women's Club monthly Newsletter from Find Name, check the lobby TV monitor and the lobby bulletin
board for all Women's Club upcoming events.
Learning 4 All Seasons will be announcing its film and lecture series as
well. Be sure we have your correct e-mail address.
Not a member yet? A check for $25 made out to FSM Activity Fund is
all you need to join. If you are a brand new member, fill out the information sheet in the folder as well. The membership folder is on the rounder
in the lobby
Here are our March events:
Wednesday, March 11 in the Clubhouse lobby - 4-5:30P.M. - By invitation only - new member/new resident- wine and cheese -learn about our
FSM Women's Club, meet the Women's Club Board.
Wednesday -March 18 - Dinner at Knob Hill Country Club at 7P.M.
Thursday - March 26 - Bus trip to Macy's Herald Square-8:30A.M.
-4:30P.M. Docent-led tour of Macys, lunch at the cafe, flower show, shopping
Here are our April events:
Wednesday, April 15 in our Clubhouse ballroom at 12 noon. Buffet
luncheon catered by Destino's. Open table seating. Guest speaker Shelly
Strickler, formerly of WOR Radio.
Topic- "The Naughty Boys of Politics" from Thomas Jefferson to the
Present. Women's Club members only. Cost $27. Sign- up folder on the
rounder in the lobby. Space limited!
Thursday evening, April 23 Bus trip to George St. Playhouse. Play:
"Six Degrees of Separation." Dinner at Old Man Rafferty's. Women's Club
members only. Cost $90. Sign-up folder on the rounder in the lobby. 70
seats reserved (2 buses)
PLEASE HOLD THE DATE -WEDNESDAY-MAY 6
FSM WOMEN'S CLUB 2nd ANNUAL AUTHOR LUNCHEON
Author - Julie Orringer
Book - The Invisible Bridge
Location - Eagle Oaks Country Club Farmingdale, New Jersey
This event will be open to Women's Club members and friends and
family (women only). Up to 14 women per table. Sign up with your table.
If you need a table, we will be glad to seat you.
Cost - $55 for Women's Club members
$60 for non members
One check per person; sign up folder will be on the lobby rounder
REMINDER:
Sunday, June 14, Our paid-up membership brunch at Battleground
Country Club.
We are always planning ahead, so watch for other events/entertainment
not yet posted.
We look forward to meeting and greeting old and new members at all
of our future events.
• Home inspections
• Cottonswab mold testing
• Thermal imaging inspections
• Radon testing
• Air quality testing
• Prelisting inspections
• Warranty inspections
• Certified infrared thermographer
FS@M Women's Club
Programming for 2015
lizing
Speciaarranty
in W ections
Insp
Report defects found in your home so they
can be corrected by the builder at their cost
BEFORE your 1-year warranty expires...
it is your responsibility!
Judy Epstein and Carol...Afterwards,
Lifland, CoPresidents
Call today for an inspection before your
year runs out!!
21 Shoemaker Road, Manalapan NJ 07726
NJ Home Inspector Lic #24G100091600
Please check your e-mails for732.792.6687
e-blasts and •WC
Newsletter for complete
www.InspectItNeil.com
WC Program information. We may add or possibly delete events as we
continue planning ahead.
PLEASE BE SURE WE HAVE YOUR E-MAIL ADDRESS
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by Goldie Golden
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6
Pegasus Press • March 2015
CLUB NEWS
7
CLUB NEWS
Pegasus Press • March 2015
Women’s Club
By Janet Gross
VP Membership
On January 7, the Women's Club had a wonderful birthday bash. It
was an amazing evening of musical entertainment, sweets, friendship and
giving. Over 200 women participated and we raised over $4,000 for Make
A Wish NJ. We truly made a very special wish come true!
Over 430 gals belong to the Women’s Club. There are many new
members and it is exciting to meet both old and new gals at different events.
There is so much to do!
We hope that you will renew your membership and join the fun and
friendship we offer. If you are new to our community, we hope that you
will join.
Dues are $25.00 and your check should be made out to FSM Activity
Fund. Your check can be placed in the envelope in the membership folder
on the rounder in the Clubhouse lobby. New members please fill out the
new members form and be sure to include your email address. If you have
any questions, please feel free to contact me. [email protected]
Thanks.
Italian American Cultural Club
Roger Colarusso – President
The Italian American Club is the youngest of all the clubs at the Four
Seasons. We were sanctioned in October of 2014 and had our first annual
Christmas Party in December with a surprise visit from Santa. Our second
event was a tribute to Frank Sinatra in a café setting with cold antipasto,
cheese, crackers, Italian bread and dancing to the songs of Frank Sinatra.
This year we have many great events planned:
• March 25 Vic DiBitetto - Comedian - Ballroom
• April 21 Ellis Island/Statue of Liberty Bus trip with Dinner ( Italian
Restaurant)
• April 26 Grandma’s Sunday Dinner - Ballroom with Entertainer
• June 17 Songs from the Heart by Julian - Night Club Entertainer
and AARP American Idol 2014 Winner - Ballroom
• Sept 12 San Gennaro Feast - Bus trip
• Oct 10 One year Anniversary Party - Ballroom
• Dec 12 Longwood Gardens - Bus trip
• Dec 13 Kids Christmas with Santa - Ballroom
• Dec 19 Christmas Party - Ballroom
As you can see, our Social Committee and Trips & Tours Committee
have been very busy. There is still more to come from our Cultural Committee. Our March event, Vic DiBitetto, is now posted in the lobby carousel. I
would also like to thank all the other clubs and committees for their support
in guiding us through all the necessary procedures of running affairs and
making our club a success. Our Executive Board Is:
• Roger Colarusso - President - [email protected]
• Ray Angelini - Vice President - [email protected]
• Frank Marotta - Treasurer - [email protected]
• Bob Botta - Secretary - [email protected]
Anyone interested in joining can sign up anytime at the Clubhouse. Our
club is open to all residents of the community. Hopefully, I will see you at
our next event. Thanks.
Please Patronize Our Advertisers
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The Weekend Gardener
Anne Quatrochi
THIS YEAR I RESOLVE TO………… worry less, gain control of my
many plant articles, weed my garden more frequently, get more limber,
lose a few pounds, be better organized, read more books, try to control
the number of emails, plant more flowers, shop less, eat better, keep better
records of the plants I have grown, and reconnect with old friends. Heck,
there is a problem with the annual taking stock of and resolving to improve
oneself with the new year. You can see I am into March and still making
a list. There is too much to fix, how can I cope? I need a strategy or else I
will end up feeling worse for striving to be better.
I need to take some of these aspirations off the table and make the list
more manageable. I need to choose more carefully. The odds that I can accomplish everything aren’t so hot. I need to set smaller goals to manage my
time or at least not feel bad if I fail to do them all. But what can I eliminate?
Certainly not anything to do with my plants and garden.
Everyone has capabilities in different areas. I vow this year to be more
organized, but to hear my husband, I am too organized to a fault.
Since this is a gardener article I need to focus on the spring. See, already
I am off and running with my plants. They make me happy, there is no
denying that. Focus on what you can do and hope to accomplish to make
you happy (decorate with plants).
As a beginner your best strategy is Start Small. Perhaps a container on
your front porch or patio will be a start. There are things you need to know
to make the right choices when you go to the garden shop.
Your plan: What is the area you will be putting your plants like?
• Sun all day
• Sun in afternoon only
• No Sun
ALWAYS CHECK THE LABELS ON THE PLANT, do not put a plant
that requires full sun in an area that is shady all day. They will not produce
or maybe die. Many people make that mistake and then think they cannot
garden. YES you can, if you follow these important instructions.
Geraniums love sun, they are easy to grow and will reward you with
flowers. They only require that you remove the spent flowers when they are
finished flowering: cut the flowers off where they are attached to the plant.
Create your own outdoor area. ADD SOME PIZZAZZ……
Vinca plants in many colors can be planted directly in the ground also.
You can provide color throughout the growing season.
The first plants you will see in the spring are pansies. They will be the
first plants you can put in. I am giving everyone time to plan, look at books
that show plants to plan. Whenever you choose a plant from a nursery you
are better off picking one that is smaller and has buds rather than flowers;
they will open in your garden. That insures that the plant has a chance to
acclimate to the ground more easily. You can choose ceramic planters in
upbeat colors and flank your front door. Colorful plants can zip up your
landscaping. You can also rotate plants in a flower box if you have railings
on a porch. Create a cheery entrance.
See, I have lost control trying to rush the season! But I want to encourage someone to try gardening this spring.
Happy Gardening!
8
Pegasus Press • March 2015
CLUB NEWS
Photography Club Meeting
Book Club
By Debbie Weissman
Well, the holidays have come and gone and some of you might have
gotten a new camera as a gift. You have been faced with the unpacking
of the camera from the box. Now, you are asking yourself, "What do I do
next?" You might feel somewhat intimidated by all the buttons and dials
on the camera and what does the manual really say and mean.
It can be very tempting to put the camera back in the box and the
manual you just want to throw away. But, it might not be long before you
take the camera out again, look at it and become a bit more inquisitive.
You are now looking at the camera in a different "light" and you are now
eager to start taking pictures.
First off, you need to understand the main dial on your camera, which
outlines the "shooting modes." This dial is usually labeled with auto, AV,
TV, P, and M. Sometimes there might even be more. When you select a
mode, this is telling your camera how you want to shoot. For an example,
if you select the "auto" mode, the camera will do all the work for you, such
as the exposure, aperture and shutter speed.
AV or Aperture Priority is similar to a semi-automatic shooting mode.
When this is selected, you are the one who sets the aperture and the camera
will automatically select the shutter speed. The aperture is the size of the
opening in the lens through which the light is allowed to pass when the shutter is open. FYI...the larger the aperture, the more light will pass through.
(This can also be called your "F"-stops, which is usually pin-pointed by
using an "f-number," such as f/2.0, f/2.8, etc. This means the ratio of focal
length over the diameter of the opening. So, in laymen's terms, the larger
the aperture (a wider opening) has a smaller "f" stop , and a smaller aperture
has a larger "f" stop number, such as f/2.0.which lessens the amount of light
allowed to enter the camera. I know this sounds confusing, and I am still
learning to understand this, but the aperture is one of the most important
aspects of your picture taking because it directly shows the depth of field,
which means the amount of an image that is in focus.
If you use a small aperture, then a large distance with the scene is in
focus, such as the foreground to the background of the picture. Then on
the other hand, if you use a large aperture (a small f-number) it would
produce an image where only the subject is in focus and the background
is out of focus.
I think I have given you some important information to start off with.
Next month, I will share some additional information on your camera's
dial. I hope you will play around with your camera and work on your AV
or Aperture Priority. Have fun!
Our March meeting will be with Anthony Bianciella: Essentials of
Photography-Moving Off Auto Mode. He will also be our judge on "Abstracts," which is the topic of the month. If you are interested in hearing
what he has to say, you may join us on: March 9, 2015, 7:30 P.M. in the
Men's Card Room. All are welcome.
If you have any questions, please contact me at: maremanna2@gmail.
com (Debbie Weissman)
The Rosie Project by Graeme Simsion
(January, 2015 selection)
Does “love conquer all”? In Graeme Simsion’s The Rosie Project, it
does. Don Tillman, a genetics professor has Asperger’s Syndrome, although
he does not know it. When Don decides it is time to find a wife, his approach
is orderly and methodical; he designs a questionnaire to test each candidate’s
suitability. When Don meets Rosie Jarman, “the world’s most incompatible
woman,” Don’s orderly world is thrown into chaos.
Despite her obvious unsuitability, Don becomes more involved with
Rosie as she begins a quest to find her biological father. The pair enters into
numerous humorous adventures as they attempt to collect DNA samples
from prospective “fathers”. Along the way Don breaks some of his strict
ethical code; however, he learns that the world is not black or white but
filled with nuances of color. Forced out of his comfort zone, Don finds love
and a wider world. The reader roots for him all the way.
By Helaine Cantos
The Thirteenth Tale by Diane Setterfield
The gothic mystery novel The Thirteenth Tale begins when Margaret Lea,
a bookish young woman working in her father’s antiquarian bookshop, finds
a handwritten letter addressed to her from Vida Winter, a famous novelist in
England. The letter is a proposal that Lea write a truthful biography of her
before she succumbs to her illness. Vida Winter has made a career out of
keeping her past a secret to the point of creating elaborate stories of things
that never happened to her, in response to the many requests for the truth.
At their meeting, Lea expressed many reservations, including minimal
biographic experience, to taking on this assignment. However, when Vida
Winter begins her story with “once upon a time there were twins…” Lea
is riveted as those words touch upon her own family secrets. She stays,
and becomes Vida’s biographer. As the story unfolds, Vida’s haunted
history, filled with dark family secrets are revealed as she recalls her days
at Angelfield House and the families that lived there.
The Thirteenth Tale is a book that shifts between two main stories. One
tells of the life of amateur biographer Margaret Lea and her exploration of
the Angelfield/March families’ past. The other is the story which Vida tells
Lea. Both characters grapple with the themes of death, loss, and identity.
However, Vida’s story is far darker and much more compelling.
This gothic tale is evocative of Charlotte Bronte’s Jane Eyre and, in fact,
the title of this book is mentioned on several occasions in Setterfield’s work.
By Lydia Leimsider
The Book Club’s upcoming selections are:
For March: Life Animated by Ron Suskind
Theme for February: "Open" BEGINNER
In the Middle of Nowhere Wai Seto
1st Place
Good Book
Ben Gold
2nd Place
The Birds
Ben Gold
3rd Place
INTERMEDIATE
Autumn Leaf
Marty Sicular
1st Place
Flying Through the Air
Ron Rutolo
2nd Place
Splish Splash
Jerry Avergon
3rd Place
ADVANCED
Patterns in the Fronds
Jerry Deutsch
1st Place
Colorful Lady
Alan Bogard
2nd Place
Boulder View
Alan Bogard
3rd Place
In his memoir, political reporter Ron Suskind recounts how he and his
wife used Disney characters to communicate with their autistic son Owen
in an effort to bring him out of his “wall of silence.”
For April: The Invisible Bridge by Julie Orringer*
Is it “survival of the fittest” or does luck play a role in determining one’s
outcome? Set largely in Hungary and Paris in the late 1930s, The Invisible
Bridge tells the story of lovers who are tested and brothers who struggle
to survive and remain connected as war looms in Europe and persecution
of the Jews mounts.
*Julie Orringer will be the guest speaker at the Women’s Club
Author Luncheon on May 6, 2015
Please join us on the first Wednesday of each month (March 4 and April
1) at 7:30 P.M. in the Crafts Room for stimulating discussions of our latest
selections.
9
Thank you, Four Seasons
Pegasus Press • March 2015
By Susan Broderson and Judy Campbell
The Social Committee would like to thank the Four Seasons community
for their generosity during our annual holiday toy drive. It is so wonderful
to live in a caring community. We collected a substanial amount of toys
that were delivered to needy children, many of whom would not receive
anything without our help. The toys were donated to three charitable gropus:
County of Monmouth Department of Human Services, St. Thomas More
Catholic Church (who donated the toys to Samaritan Center), and Jewish
Family Services of Central New Jersey.
Below are letters of thanks that we received:
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10
11
Germ-Free
Pegasus Press • March 2015
By Bernie Jacks
Before I moved to FS@M, I thought the gym I was going to was a classy your making skin contact with some nice, fresh e-coli; and, for the same
place, but a sign appeared one day over the fountain where I filled my water location, replacing conventional door knobs with large u-shaped handles
bottle: ‘PLEASE DO NOT SPIT IN THE FOUNTAIN.’
that allow you to pull the door open with your forearm. (Exit doors that
Was such an appeal necessary? One would think that not spitting in a you can just push with your shoulder would be handy. Duh.) And there are
fountain would be a given, and someone who is comfortable spitting into people who advise you to put germ-laden hotel TV remotes in plastic bags,
one would not be deterred by a neat paper sign asking him (no way a her) not and not to use the in-room coffee cups, and to pull the bedspread off and
to. But whether or not the sign would work on our secret spitter, it spoiled toss it facedown into a corner, not to mention hosing yourself down with
the party for everyone. Spoiled it for me anyway, because as I stood there Purell just in case you actually made skin contact with something, and…
with my BPA-free water bottle filling slowly from the spout, the sign forced whoa…I’m making myself crazy here. That’s enough of that.
me to envision the incident that got it posted. I won’t trouble you with the
But no! There’s more! Airplane tray tables have been found to harbor
details of my mind-movie.
the nasties, and need wiping down with sanitizer, and now people are
Once, all the gym needed was a single sign in the shower area with the bringing on board their own seat-and head-rest covers, and even complete
general directive, “No Spitting.” (This was posted right next to the sign that body coverings.
said “Anyone Using The Sauna Must Keep His Private Parts Covered At
Health authorities say this aversion to touching anything is overblown
All Times.” I didn’t know if there was a similar sign in the women’s sauna and hysterical. They say all that’s needed is a thorough soap-and-water wash
area. I tried to find out by making earnest inquiries of women emerging in warm water for thirty seconds, which is as good as a swab with alcoholfrom their locker room, but none seemed willing to share information with based gel that rids your skin of 99 percent of the bacteria happily creeping
me about their private parts.)
around your palms. But I have devised a better system: first wash my hands
And talking about public sanitation, an article in the Times a couple of for thirty seconds with soap in warm running water, which is supposed to
years ago, said that a survey showed something like 75-80 percent of men remove 99.99 percent of the millions of microbes living on my hands, and
who used a public rest room washed their hands before leaving the room. then wash again, this time with a grape-size blob of antibacterial gel for
Really? First of all, the reporter did not define “wash hands.” From another thirty seconds to get that last 0.01 percent of germs off my hands
what I saw at the gym and places like a crowded theater restroom or the – or at least 99.99 percent of the .01 percent of germs left by the soap and
Port Authority bus terminal, “hand washing,” if it happens at all, consists water. That would leave…um…move decimal point four places to the left,
of guys wiggling their unsoaped fingers under the water for a millisecond, times ninety-something…and, well, anyway, not many germs still standing.
then running off to catch their bus wiping their hands on their pants. They A couple maybe. Don’t touch your face.
even skip using those cool new high-pressure hand-drying blowers that are
I tested this double-wash protocol at a Broadway theater during interso powerful they can blow freckles right off the back of your hands.
mission. I’m sure the guys crowded and pushing around me at the two-sink
I tried doing a formal hand washing survey at the Port Authority Bus facility while the lights were flashing to signal the impending start of the
Terminal, but a suspicious Transit Cop took away my checklist and pencil second act were envious as I spent a full minute and seventeen seconds
before I had a decent sample size. I never got my clipboard back.
washing my hands, including rinsing my nail brush. I offered a squirt of
These days people have an aversion to touching anything, except per- gel to the guy behind me, but he accidently shoved me out of the way, and
haps a loved one, and then only if absolutely necessary at the moment. To lunged for the sink.
assuage these universal concerns – nay, these fears - there are companies
It’s okay–I wasn’t hurt. Anyway, now that my soup has been boiling
now making gadgets like portable subway straps that promise to eliminate for 12.5 minutes, I’m going to have lunch. Then I’m off to our (hopefully)
the need to “reach for a slimy overhead bar” and dispensers to be mounted spit-free gym, and later, to bed, where I’ll read a bit of Allison Janse’s book,
next to restroom exit doors that provide door-knob-size tissues to avoid “The Germ Freak’s Guide to Outwitting Colds and Flu.” I find it relaxing.
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Pegasus Press • March 2015
Pickleball Thriving at Four Seasons
By Steve Ellis
Pickleball is a combination of tennis, badminton, ping pong and racquetball, and it is one of the fastest growing sports in America. It is extremely
popular in adult communities, but it is also gaining in popularity in public
schools and community recreation centers because it is a fun, easy-to-learn
game that can be played indoors and out by men, women and children of
all ages.
Pickleball is undoubtedly a strange name for a racquet sport. One story
about the name – some folks think it is apocryphal – is that it comes from
the name of a family dog, Pickles, whose ball was used when the game
was invented by two families on Bainbridge Island in Washington state.
Notwithstanding the name, Pickleball is a fast-paced sport that is easier
to play and which places less strain
on the muscles and joints than other
racquet sports. It is played with a
light-weight, short-handled plastic
or wooden racquet (or paddle) and a
low-bouncing plastic ball somewhat
like a Wiffle ball. Since a Pickleball
court has only about one-third the
area of a tennis court, there is much
less running during a game, especially
when playing doubles, the form of the
game played most often. Pickleball
is so easy on the muscles and joints,
in fact, that folks with knee and hip
replacements can readily adapt to and
enjoy the game.
Over the years, the game has attracted many female as well as male players, and it is common for folks in
their 70’s and 80’s to play the game. FS@M residents of both sexes have
won many medals in regional and state-sponsored Pickleball tournaments
over the past few years.
Pickleball has been played at FS@M for several years. There are two
regulation Pickleball courts in the Clubhouse parking lot, in a section of the
lot that is usually reserved for Pickleball, but which can be converted back to
parking space if needed. Although these courts are considered “temporary,”
it has been the community’s practice to set up the courts towards the end of
March each year, after the winter weather abates, and to leave them up until
the end of November. The courts may be used by residents and their guests
anytime they are available, or they may be reserved in advance for singles
and doubles play via the on-line reservation system on the FS@M web site.
Once the weather permits and outdoor play begins in the Spring, the
parking lot courts are usually filled on weekend mornings and on late afternoons Tuesdays and Thursdays with members of the Pickleball Club, a
sanctioned FS@M club that has grown to over 30 members during its four
years of existence. Play during
these times is reserved for members of the Pickleball Club and
its guests, who frequently include
residents new to the game who are
looking to learn about Pickleball
and to try their hand at it. The
Club also holds training and informational sessions for residents
who want to learn more about the
game. Look for posted and email
announcements in the Spring if
you are interested in attending
these sessions.
While you don’t have to join
the Pickleball Club to play Pickleball at FS@M – wooden racquets
and a few pickleballs are kept in the Clubhouse for all FS@M residents
who want to play when the courts are available – most residents who enjoy
the game do join the Pickleball Club. In addition to playing together and
socializing during the Club-reserved times on the Courts, the Club organizes
special events for its members such as an annual dinner party. In the past,
the Club has fielded a Pickleball Team which has competed very successfully against other communities in local tournaments.
This past year, the Club worked with Manalapan Township municipal
and school officials to arrange for indoor play for Club members at one of
the local Township school gymnasiums one or two evenings a week during
the cold weather months.
If you should develop a passion for the game and want to compete with
the best players in the country, keep in mind that there are Pickleball tournaments sanctioned by the USA Pickleball Association (USAPA) held every
weekend somewhere in the U.S. Although most of these tournaments are
held in other states, some are within driving distance of FS@M. You can
see a listing of these tournaments on the USAPA website at http://www.
usapa.org.
Anyone looking for more information about Pickleball can contact the
President of the Club, Steve Ellis, on 732-709-3552, or via email at she17a@
gmail.com. You can also find a wealth of information about the game and see
tournament and tutorial videos at the USA Pickleball Association website
(http://www.usapa.org) or on YouTube.
Something to Crow About
births
Congratulations to grandparents Deborah and Robert
Weissman upon the birth of Sophia Paige Weissman. She
was born on January 14, 2015 and weighed 7 lbs. 9 oz. and
was 20 inches long at birth. Parents Genna and Michael
Weissman welcomed Sophia with opened arms.
13
Pegasus Press • March 2015
Four Seasons at Manalapan Women’s Club Presents:
SHELLY STRICKLER
“THE NAUGHTY BOYS OF POLITICS”
Wednesday, April 15th
Doors Open at 11:45am
Buffet Lunch 12noon-1:15pm
(Catered by Destino’s)
Open table seating
Cost: $27.00/person
WOR
MULTI-AWARD
WINNING
BROADCAST
JOURNALIST,
RADIO
SHELLY
STRICKLER, PRESENTS AN INFORMATIVE AND
ENTERTAINING LOOK AT
“THE NAUGHTY
BOYS OF POLITICS.” SO MANY SEX SCANDALS
AMONG MAJOR
POLITICIANS. BUT DID YOU
KNOW THAT BEFORE THERE WAS KENNEDY,
CLINTON
JEFFERSON,
AND
WEINER,
HAMILTON
THERE
AND
WERE
CLEVELAND?
SHELLY STRICKLER WILL TAKES US THROUGH
HOW THE MEDIA HAS
HANDLED POLITICAL
SCANDALS THROUGH THE AGES.
Women’s Club Members Only
Deadline for signup and refunds
April 8th, 2015
Make checks payable to: FSM Activity Fund
One check per person please
SPACE IS LIMITED
SO SIGN UP EARLY!
For More Information Contact:
Goldie Golden 732-851-6637
Judy Epstein 732-446-1889
Carol Lifland 732-492-7822
Arlene Lomasky 732-446-4602
SHELLY STRICKLER
Multi-award winning broadcast
journalist who has worked for
more that a quarter century at
famed WOR radio. Shelly has
accumulated more that 50
awards during her career
including several from the
prestigious new York Press Club,
AP and Women in Radio and TV
Township of Manalapan
The Manalapan Arts Council Presents
SALSA NIGHT
Saturday, March 7th
7 P.M. to 11 P.M.
Knob Hill Golf Club
3 Course Dinner/Cash Bar/DJ Music/Dancing
Tickets: $39 Per Person
To make a reservation please contact Irene at 732-446-8308 or
email [email protected]
3/15/15
3/15/15
3/15/15
Pegasus Press • March 2015
14
15
57
Pegasus Press • March 2015
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16
Photos of Distinction
Open
1ST
PLACE
BEGINNER
"In the Middle of Nowhere"
By Wai Seto
INTERMEDIATE
"Autumn Leaf"
By Marty Sicular
1ST
PLACE
1ST
PLACE
ADVANCED
"Patterns in the Fronds"
By Jerry Deutsch
17
Pegasus Press • March 2015
18
Pegasus Press • March 2015
Arts & Crafts
for Charity
It Might Be Cold Outside ...
Women's Club
Blanket Workshop
19
Pegasus Press • March 2015
frank Sinatra Night
Ice Cream Club
Chinese New Year
but We Are Still Having fun
Men's Club
Superbowl Party
20
Pegasus Press • March 2015
Women's Club
Learning 4 All Seasons
Films, Food and Conversation
Planting Seeds
at the Garden Club
Shore Birds
If you’ve been reading my articles each month you know my favorite
subject is nature. Many animals are not as active in the cold months,
and many birds leave the area and go south. There are other birds that
migrate here from the northern reaches to escape the ultra harsh winters
there. This gives us the opportunity to photograph different species.
Unfortunately they are not as colorful in the winter plumage, but it’s still
a nice challenge to find them.
I especially like to find the different ducks and shore birds that arrive
in winter. They are generally found in the inlets and around the jetties.
Some are quite difficult to reach, but others can be found along roadways
and parking lots near rivers.
A long lens is very helpful. Focus carefully and have the proper
exposure. Fast shutter speeds will help keep them sharp if they are
moving in the waves. It is not an easy shoot, but can yield great results.
That’s it for this month. As always you can email me with any
photographic questions at [email protected]. If you’d like
to see more of my images visit my site www.KirmsPhotography.com.
Remember to keep shooting and trying to improve your images, but most
importantly, have fun with your camera.
Harlequin Duck
Common Loon
Red-necked Grebe
Long-tailed Duck
21
Pegasus Press • March 2015
Pegasus Press • March 2015
22
23
Pegasus Press • March 2015
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24
25
Presenting
Julie Orringer
the author of The Invisible Bridge
s
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kT
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A Ne ble Book
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:
Pegasus Press • March 2015
Four Seasons at ManalapanWomen's Club
Invites You to Our Author Luncheon
26
Reinvent Your Garage
Pegasus Press • March 2015
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015
The entire Four Seasons community send their heartfelt
condolences and Rita and Bob Keane and Guy and Gloria
Arcuri upon the untimely passing of Robert A. Keane, son of
the Keanes and son-in-law of the Arcuris. Robert’'s wife Lauren
and his three children, Alexis, Ashley, and Jake are so lucky to
have such a warm and caring support system during this most
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Hildy Warren, upon the passing of her father, Julian Grodjeski.
We should all be as lucky to live until 97 years old.
Leda Tepp upon the passing of her mother, Helen Fischer.
She died on December 23rd and also lived to a ripe old age
of 96 years old.
Iris Silverman upon the passing of her father, Abraham Sartzyk
on December 23rd.
We send our condolences to Laurel, son Eric, daughter Dena
and Mark Feinsand and grandchildren, Ryan and Zack, upon the
untimely passing Richard Lichtenstein.
We send condolences to the family of Patricia Baxter, who
died on December 31st.
We send our deep condolences to Jerry Silverman and family,
upon the passing of his mother, Regina, on december 3rd. May
you and your family take comfort in all wonderful memories.
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dive. The benefit of the reduction in oil prices, I am told, is twice as great
as the detriment is to the oil companies. We all use energy; it is a necessity
of life, certainly not a luxury. At present, the supply of oil is greater than
the demand – thus the lower price. Because of this, many companies are
closing rigs, wells, and production until it is profitable to start them up again.
If you believe that the price of gasoline will increase in the near future,
and that the supply and demand for oil will come into balance, then energy
stocks are a buy. As I stated, no one knows where the bottom is, but there
is a bottom. If you buy the biggest and best oil stocks now, you will receive
a very nice dividend, in excess of 3%, and you can then wait for the rise in
price. The dividends are qualified, so your federal tax exposure is limited
to 15%, which is a tremendous benefit. I would recommend the names you
are familiar with: Exxon, Chevron, Conoco Phillips, Marathon, Phillips
66, Shell, etc. They all pay in excess of 3%, and will probably increase
their dividends every year, as they have done in the past. There is also an
Exchange Traded Fund (ETF) – XLE, which includes over twenty-five
companies, but only pays about 1.8%. It is quite diversified; this explains
the lower dividend. It has recently lost about 20% in value, and, in effect,
is on “sale” now. The Master Limited Partnership (MLP) is AMLP, which
has also dropped in price, and now pays about 6%. If you think oil is going
lower, then dollar cost average when you decide to buy.
My opinion: the drop in oil prices is a once in a lifetime opportunity
to buy large, quality energy stocks at very good prices. I firmly believe
that this is a conservative income idea that will accrue to our benefit. We
all wait for sales on clothing, cars, and food; now energy is on sale. Don’t
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There are four steps to vacation: planning, packing, getting there, and
returning. Between steps three and four is supposed to be either relaxing or
touring, depending on your choices. And step four is supposed to leave you
refreshed and happy to be home. But it doesn’t always work out that way.
Planning is the most fun. First you figure out where you want to go,
and when. Then you deal with the airlines or cruise lines or hotels. That’s
fairly straightforward.
Next comes packing. In our house, that’s a fairly frantic affair, done at
the last possible moment. The Love of My Life puts the things he wants
packed on the bed. I do the same. Then I go through both piles, removing redundant items (I don’t need four white short sleeved t-shirts and he
doesn’t need four white sun shirts when we’re going someplace with a
washing machine and dryer). I also look for items that can be left behind.
For example, if some of my white t-shirts are about ready for the rag pile,
I’ll put them in the “ready to pack” pile, instead of new ones. Of course, I
then plan on leaving those sorry shirts wherever we are before we pack to
come home. This serves two purposes: it is a guilt-free way to eliminate
items that should have been tossed at the end of last season, and it guarantees
there will be room in the suitcase for the things I buy while we’re away.
Then I take out the suitcases, and begin packing, using all those plastic
bags we get from the cleaner. I use them to separate each layer. You’d think
it would make the clothes slide around. But nope! Everything stays neat
and just where it’s supposed to be. Works like a charm.
The process of running the gauntlet at the airport is enough to drive
a person to drink. Which is just what we do before boarding. Then the
minute I click my seatbelt, I’m out. I usually sleep straight through to landing. Now, don’t tell me you can’t do it. You can. I spent a bunch of years
traveling for business, which often meant I had to pop off a plane after a
10 or 20 hour flight and go right into meetings. So I learned how to sleep
when I could. The key is to change your watch to the time of the place
you’re going as soon as you get on the plane. That tricks your brain into
thinking it’s time to go to sleep. Then remember that you can’t really do
anything about the flight. It’s all out of your hands. And bingo! You’re
relaxed and asleep before the plane takes off. Given all the hassles you’ve
been through to get to this point, sleep is a relief. Besides, isn’t vacation
supposed to be relaxing? Might as well start on the plane, instead of waiting until you get to the hotel.
As, yes. The hotel. This is the moment I find the most challenging,
because I’m very fussy about the room and the bed. If we’re at a beach
resort, I don’t want a room facing the golf course. If we’re in a city, I don’t
want the room facing an alley. And I absolutely don’t want a saggy bed.
The Love of My Life has learned over the years. When we get to the
lobby, he takes the bags and sits down until I’ve concluded the negotiations.
I have a friend who says he goes to the desk, and politely but firmly asks
to see the third room. He tells the person at the desk, “I won’t like the first
room or the second. So why don’t we save us all a lot of time. Just show
me the third room.”
The Written
Word...
From “Of Spring” by Dr. Samuel Johnson
…The Spring affords to a mind, so free from the disturbance of cares or
passions as to be vacant to calm amusements, almost every thing that our
present state makes us capable of enjoying. The variegated verdure of the
fields and woods, the succession of grateful odours, the voice of pleasure
pouring out its notes on every side, with gladness apparently conceived by
every animal, from the growth of his food, and the clemency of the weather,
throw over the whole earth an air of gaiety, significantly expressed by the
smile of nature.
Dr. Samuel Johnson, (1709-1784) was an English poet, editor and lexicographer.
His most famous work, A Dictionary of the English Language, was the standard
for modern English for over 150 years.
Pegasus Press • March 2015
By JoAnn Abraham
29
The Vacation Round-About
I’m not fixated on the number of rooms I see. Still, I figure it’s our
vacation. I make it clear that the hotel will be happiest if we are satisfied.
And they usually agree. There was one occasion when the first room was
perfect. And there was another time when the second was spectacular.
Those are rarities. I’m always prepared to see more. Meanwhile, the Love
of My Life is more than willing to loaf until I’m content.
Eventually, we get to our room. We unpack. We relax. We then begin
to connect with everyone back home, making sure that wherever we are,
the weather is much, much better than what’s going on at home. We enjoy
new foods, meet new friends, and in general have a wonderful time.
We – that is to say, I – have no problem repacking to go home. We pile
all the goodies purchased for bargain prices on the bed with the items to
go home. With any luck, one of us has had the discipline to remove from
the pile the clothes we meant to leave there. In all honesty, sometimes that
works, sometimes it doesn’t. Sometimes one of us decides we really can’t
live without that raggedy, newly stained t-shirt. So I use it to wrap one of
the gifts!
The running of the gauntlet in the airport then begins in reverse. The
challenge there is to get through the duty-free section without buying more
than we can carry. We blew it last time. Especially after we’d collected
our luggage and had to juggle eight large, heavy bags with four hands. It
was ugly.
Coming home is not always the joy you’d wish. You may have to get
used to making your own bed again. You may have to remember how to
prepare a meal. You may have to be reintroduced to that weather you wanted
to get away from. You may have to get used to a far less social life. And
you definitely have to wash and put away all that dirty laundry. Then you
put the luggage away. And the house looks like you never left.
One could actually think that it might be easier never to leave home.
That’s when we start talking about our vacation. And looking at the photos.
And remembering what a great time we had. Then we start thinking about
where to go next. And so the round-about begins again.
by Steve Resnick
That’s a swell piece of advice, a quote from the first act of Hamlet. It’s
part of Polonius’s advice to his son Laertes as the kid is off to Paris for an
education. The full quote is, “Neither a borrower nor a lender be, for loan
oft loses both itself and friend. And borrowing dulls the edge of husbandry.”
Because Polonius is talking about friends and about husbandry, you know,
household economy, it is generally understood he was talking about personal
loans and not the kind of loan a business might make to buy inventory, or a
bank might give to a business. Of course in the days of Polonius, as today,
both types of loans existed. Back then people engaged in the business of
giving credit and collecting debts were looked upon with scorn. Remember, another of Shakespeare’s creations was Shylock, who back then gave
everyone in the lending business a bad name.
But nowadays, in our age of “plastic money,” even though telling your
kid not to borrow or lend is still good advice, being in debt is accepted and
more commonplace than when Shakespeare was writing. Being in debt is
the norm for many people today. It is so common in our modern world that
there are many businesses that now exist only to loan money, and other
businesses that now exist only to retrieve it for the businesses that loaned
it in the first place. Borrowing and lending is so common that there is an
entire body of law devoted to it.
Interestingly enough, when I started law school at the end of the 1960’s
this body of law was called “Creditors’ Rights.” The emphasis of the law,
its perspective, was that those who loaned money were entitled to the utmost
protection. That’s not to say that debtors weren’t entitled to due process,
just that the weight of the law was behind the creditors. For example, the
concept of “self-help” existed. That meant that if you could access property
that you had loaned without violating any criminal laws, such as breaking
and entering, etc., you could recover what was owed to you without filing
an action in court. And should you have needed to go to court, the law
allowed you almost unfettered discretion to seize property to pay off any
judgment you did obtain, and to question the debtor or his associates in
order to locate such property.
I remember in law school the professor teaching Creditors’ Rights was
an experienced collections attorney. He told the class that on one occasion
when he had deposed a judgment debtor about the location of the debtor’s
assets, the debtor had made it clear he owned nothing, and had no money.
The professor said once this fact was on the record, the debtor was asked,
how, if he had no assets, he had gotten to the deposition. The debtor explained he had borrowed a subway token from a friend. When asked how
he intended to get home, the debtor said he intended to panhandle on the
street to get the carfare. The professor said that at this point in the deposition
he asked the debtor what time it was, and as the debtor exposed the watch
on his wrist to get the time, the professor jumped forward and pulled the
timepiece off the debtor’s wrist. The professor explained to the class that,
given the debtor’s answers, that he was “judgment proof,” this was the only
property he expected to get from this debtor. The lesson being, do whatever
you can to get whatever you can, even taking the guy’s watch, because there
are times when the debtor truly is judgment proof, and you won’t be able to
collect anything else no matter how much you harass or inconvenience him.
That was then, this is now; these Creditors’ Rights rules have changed
since the late 1960’s. Polonius, Laertes and Shylock, watch out! Today there
exists in the law The Fair Debt Collection Practices Act. This law, in conjunction with the even more recent Fair Credit Reporting Act, have leveled
the landscape for certain debtors. Not business debtors but consumers who
previously had found the quality of their lives destroyed by aggressive collection practices. And although the legal system still protects creditors, in
recent years it has increasingly provided substantial protection for debtors
from coercive credit collection practices.
The Fair Debt Collection Practices Act applies only to individuals, that
is, consumers. It is designed to help those who have become indebted for
personal, family or household purposes. The law protects these consumers
from the third party debt collection companies by making illegal the traditionally permitted abusive practices used by these debt collection businesses.
The law does not include the creditor itself, only the third party debt collector
hired by the creditor to recover what is alleged to be owed.
Pursuant to the Fair Debt Collection Practices Act the Debt Collector
may not, absent consent from the debtor, communicate with the debtor at
any unusual time. That is defined as any time before 8:00 in the morning
or after 9:00 at night. Nor can the Debt Collector harass, oppress or abuse
any person to collect a debt. Not only is the debtor protected, but family
members, business associates or others who are in some way involved with
the debtor are protected as well. There’s more. If the Debt Collector is told
by the debtor, or the debtor’s lawyer, that the debtor won’t pay the debt or
denies the existence of the debt, the Debt Collector may contact the debtor
only once more, and only to acknowledge it will no longer contact the debtor,
and to list the lawful remedies, (usually filing a court action,) it will pursue.
The Fair Debt Collection Practices Act provides some specific examples
of what constitute harassment, oppression and abuse. Things like threats
of harm to people or property, using obscene language, publishing a list
of debtors, advertising the sale of the debt, letting the telephone ring endlessly, constant calls to the debtor or the debtor’s relatives, friends or place
of business, are prohibited. Nor can the Debt Collector use deception or
false or misleading statements to collect a debt. And the Debt Collector is
prohibited from unfair practices such as adding fees or charges not contained
in the original agreement by which the debt was created. Nor can the Debt
Collector accept a post-dated check and negotiate it before its date, even
though doing so may not otherwise be illegal. And the Debt Collector can’t
use self-help! These are by way of example, not limitations, and the Act is
clear that other attempts to collect other than through the courts are suspect.
The other change to the law I mentioned, The Fair Credit Reporting Act,
provides remedies for false reporting of credit information, and methods and
procedures consumers can use to correct the record when a Debt Collector
makes an erroneous or false entry on the record. The Debt Collector can
report the debtor’s failure to pay the obligation to a credit reporting agency,
but the submitted report must be accurate.
Both The Fair Debt Collection Practices Act and The Fair Credit Reporting Act provide for penalties for violations. Penalties for intentional
violations of the Fair Debt Collection Practices Act include reimbursement
for any actual damages, plus up to $1,000 for each instance of an intentional
violation, plus the costs of suit. It is not recommended that an individual
consumer approach the Debt Collector with their complaint. Instead, it is
recommended the consumer contact the relevant government agency, such
as the New Jersey Division of Consumer Affairs or the Federal Trade Commission. Sometimes it will require action by the debtor’s personal attorney.
The scope and value of penalties assessed against the Debt Collector
could add up to a significant amount, although it is unlikely to be a massive recovery for any individual consumer. But, to collect it, whatever the
amount, the consumers get to sic their own Debt Collectors on the erring
Debt Collectors. The lawyers should do well, though…
In other articles we may discuss other legal topics. However, with the
topics discussed in this article, we are speaking in generalities, and nothing written here should be construed as legal advice for a particular case. A
specific set of facts may invoke other legal principles and require a different
conclusion. It is always best to consult a lawyer, with all the facts of the
case so as to be able to ascertain exactly what your rights and responsibilities are in a particular situation.
Stacey Shorr-Klompus Meadow Creek Resident
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Pegasus Press • March 2015
“NEITHER A BORROWER NOR A LENDER BE”
FS M
31
When is it Time to Change Smoke Alarms?
All of us who are living in FS@M have two types of alerting life saving devices. One is the combination CO/smoke detector. What this does is
just like the name describes, it detects smoke and CO (carbon monoxide).
Carbon monoxide is a tasteless, odorless, silent killer. We hear of deaths
from carbon monoxide poisoning every winter, caused by malfunctioning
equipment. Its presence can only be detected by an inexpensive CO detector
that sounds a screaming alarm when CO reaches dangerous levels. When
one alarm sounds, all of them will, because the wiring is interconnected.
CO is a byproduct of combustion produced when our water heaters
and our furnaces are running. When everything is operating properly there
should never be a problem. Sometimes a malfunction occurs and CO can
find its way into the house. That is when these detectors save lives.
These units must be maintained by replacing the battery once a year
and also replacing the device at the recommended interval, which is seven
years. There is a date of manufacture written on the base of every unit. This
is the anniversary date we must use, not the date we closed on the house.
We also have smoke detectors. They detect smoke and sound an alarm
when they sense a high enough level of smoke, usually caused by fire. (They
cannot tell if the smoke is from cooking, etc.) They also must be maintained
by replacing the battery every year and replacing the unit every 10 years.
Ask Roy
Roy Nathan, a member of the Homeowner Maintenance Committee, is a retired engineer. He is available to answer any questions that
you may have concerning your home. He can be reached by phone at 732-851-6855 where such questions can be directed to Roy.
This will be a direct confidential conversation between the homeowner and Roy. Community members should know that the Code of Ethics of the Homeowner
Maintenance Committee requires that all committee members keep all personal information confidential. The committee may use a general problem for an
investigation to share with the community but personal information will be held in strict confidence.
ACE HOME IMPROVEMENTS
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The detectors we have are known as ionization detectors. They detect
light white smoke. There is another type, a photo-electric detector. To the
best of our knowledge we do not have these detectors. This type is more
sensitive to heavy black smoke.
Kidde, the manufacturer of these devices recommend that one or two of
the ionization detectors should be changed to a photo-electric type or use
a combination detector that is also available from this company. That will
protect us from both types of smoke.
A convenient time to check the date of manufacturer is when changing
the battery. Make a note of this and schedule a detector change at the required
interval. Because homes are built over a long period of time changes in
materials and components will vary from home to home.
It is impossible to know and recommend specific products. It is up to
the homeowner to identify the unit that is installed in their home and replace aged units with compatible ones. Compatibility is necessary so that
the electronics allow them to communicate with each other so they can all
sound simultaneously. It is recommended that a qualified serviceman install
new detectors.
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Pegasus Press • March 2015
Current Studies on page 5
32
Pegasus Press • March 2015
SAT/SUN
March 2015
MONDAY
TUESDAY
9:15 AM - WC-Bd Meeting
7:00 PM- Grounds Committee
Meeting (C2)
2
3
1
9:00 AM- MC Meeting and
Breakfast (B)
WEDNESDAY
10:15 AM - Body Toning w/ Ellen(F)
9:30-10:30AM Aquacize Group
11:00 AM- 3D Art (CR)
(Indoor Pool)
1-4:00PM - Fun Billiards- Open to
9:40 AM- Yoga w/ Brian (F)
All (BR)
6:30 PM-Zumba Sculpt w/Sarah(F) 7:00 PM CIC Meeting (C2)
7:00 PM- Clubhouse Committee 7:30 PM Book Club (CR)
7:30 PM Ballroom Dancing (F)
(C2)
9
10
4
MC- Trip to the Train MuseumCHANGED TO FALL
7:00 PM - Garden Club(C2)
7:30 PM - MC Bd Meeting (MCR)
23
SAT/SUN
6
10:15 AM - Body Toning w/ Ellen
(F)
Trips and Tours- TBD
11:00 AM - Billiards Mtg (MCR)
13
14
11:00 AM -MC Circus
CD Team 9-Ball (BR)
6:30 PM - SC Meeting (C2)
15
Ice Cream Club Pizza Run
10:00AM - Shalom Club (B)
9:30-10:30AM Aquacize
18
Group (Indoor Pool)
1:00 PM - Arts and Crafts for
10:15 AM - Body Toning w/ Ellen(F) 9:40 AM- Yoga w/ Brian (F)
Charity (CR)
11:00 AM- 3D Art (CR)
10:15AM-12:00PM ACC Mtg (C2)
7:00 PM- Finance Committee (C2) 6:30 PM - Trustee Working Group
Session (MR)
7:00 PM- MC Boy’s Night Out
-Fernando’s
7:30 PM Ballroom Dancing (F)
24
19
20
21
MC - Entertainment - TBA
10:15 AM - Body Toning w/ Ellen
(F)
22
9:00 AM - MC - New Memeber
Breakfast
8:00 PM - Movie Night (B)
26
25
9:30-10:30AM Aquacize
WC- Macy’s NYC (TBA)
Group
(Indoor
Pool)
10:15 AM - Body Toning w/ Ellen(F)
AB Team 8-Ball (BR)
9:40
AMYoga
w/
Brian
(F)
11:00 AM- 3D Art (CR)
7:00 PM- Italian American Club
7:00 PM- Monthly BOT Meeting
Entertainment (B)
(C2)
7:30 PM Homeowners
Maintenance Com. (MR)
7:30 PM Ballroom Dancing (F)
27
28
10:15 AM - Body Toning w/ Ellen
(F)
7:00 PM - Wine Club (B)
29
31
10:15 AM - Body Toning w/ Ellen(F)
11:00 AM- 3D Art (CR)
CR=Craft Room • MR=Media Room • B=Ballroom • MCR=Men's Card Room • C2=Upstairs Conf. room • BR=Billiards
Room
L=Library • A=Atrium • F=Fitness Room • LB=Lobby
***All events subject to change. Please check the online calendar for the latest information***
QUESTIONS 732.446.8404 7
8
12
11
17
30
FRIDAY
5
6:00 PM - Ice Cream Club Bd
Meeting (MR)
6:00 PM - Clark Fitness Core
Fusion (F)
7:00 PM- Shalom Club Bd Meeting 10:15 AM - Body Toning w/ Ellen(F)
9:30-10:30AM Aquacize Group
(MR)
11:00 AM- 3D Art (CR)
(Indoor Pool)
7:00 PM - Election Committee (C2) 7:00 PM- Pegasus Press(C2)
9:40 AM- Yoga w/ Brian (F)
7:30 PM - Photography Club
4- 5:30 PM - WC- New Member
Meeting (MCR)
Wine and Cheese (L)
7:30 PM Ballroom Dancing (F)
16
THURSDAY
Garbage
Pick-Up
Monday &
Thursday
www.mtnj.org
:
No Recycling or Garbage pickups are
made on the following holidays:
New Years Day
Thanksgiving
Christmas
33
Pegasus Press • March 2015
ACTIVITIES
SCHEDULE
CONTACTS
PHONEEMAIL
Architectural Control Committee Wed. 11:00 A.M., based on need
Joel Scheckner
780-3108
[email protected]
Bike Group
Thursdays
Steve Koster
709-3432
[email protected]
Billiards
Oct.-Jan./Feb.-May
Larry Gens
598-1289
[email protected]
Bocce
Seasonal
Mark Handwerker (240)620-6929
Book Club
1st Wed.. 7:30 P.M.
Marcie Case
792-3849
[email protected]
Bowling
Monday 7:00 P.M. Arnie Klein
851-6451
[email protected]
Breast Cancer Support Group
1st Sat. 9:30 A.M.
Diane Goldstein
446-2443
[email protected]
Civic Issues Committee
1st Wed. 7:00 P.M.
Larry Cooper
446-3704
[email protected]
Clubhouse Committee
1st Tues. 7:00 P.M.
David Sobel
675-8283
[email protected]
Election Committee
January—May
Barry Tepp
792-0422
[email protected]
Finance Committee
3rd Tues. 7:00 P.M.
Steve Blumerman
446-3503
[email protected]
Garden Club
3rd Monday
Anne Quatrochi *
Betty Sargiotto *
446-3369
446-0438
[email protected]
[email protected]
Grounds Committee
1st Mon. 7:00 P.M.
Ron Quatrochi
446-3369
[email protected]
Homeowners Maint. Comm.
Last Wed. 7:30 P.M.
Marty Mindlin
446-3906
[email protected]
Ice Cream Club
Whenever
Marcie Case
792-3849
[email protected]
Italian/American Cultural Club
Whenever
Roger Colarusso
446-0283
[email protected]
Judiciary Committee
As needed
Jerry Judin
656-9699
[email protected]
[email protected]
Mah Jongg
A.M. & P.M. groups
See Message Board
http://www.fourseasonsatmanalapan.com/
for new games forming thread_list.asp
Men’s Club
1st Sun. 9:00 A.M.
Brian Shorr
890-2988
[email protected]
Men’s Club Breakfast
2nd & 4th Wed. 9 A.M.
Brian Shorr
890-2988
[email protected]
Mexican Train Dominos
Thursdays 7:30 P.M.
Pat Foley
446-3962
[email protected]
Movie Night
3rd Fri. 8:00 P.M.
Al Lassoff
780-4167
[email protected]
Pegasus Press Newspaper
2nd Tues. 7:00 P.M.
Richard Leimsider
305-6354
[email protected]
Photography Club
2nd Mon. 7:30 P.M.
Alan Bogard
446-0967
[email protected]
Pickleball
Sat. 9:00A.M./Tues.-Thurs. 4:00P.M. Steve Ellis
Allan Doyno
709-3552
972-3964
[email protected]
[email protected]
Pinochle
Mon. 1:00 P.M., Wed. 7:00 P.M.
Ken Smolack
446-4611
[email protected]
Share and Care
2nd Mon. 10:00 A.M.
Arlene Molnar
446-3832
[email protected]
Social Committee
2nd Thurs. 6:30 P.M.
Arnie Klein
851-6451
[email protected]
Texas Hold ’Em
Mon. 7:00 P.M. & 8:15 P.M.
Bob Gewirtz
598-9963
[email protected]
Wine Tasting Club
Every other month
Kal Silverman
536-5161
[email protected]
Women’s Club
2nd Wed. 7:30 P.M.
*Co-Presidents/Chairpersons/Editors
Judy Epstein*
Carol Lifland*
446-1889
446-1040
[email protected]
clifland2000 @yahoo.com
34
Pegasus Press • March 2015
DIRECTORY
ELECTRICIAN
Specializing in Residential Installations
and Repairs
NJ License and Business Permit #6448
Insured and Bonded
Howard Appel Electric
Manalapan, New Jersey, 201-926-1060
Pat McBride Fireplaces, LLC
- Annual Maintenance
- Gas fireplaces serviced
and repaired
- Fan Kits
- Marble/Granite
- Mantle Upgrades
and Installs
- Remotes
Days, nights, and weekends
Call Pat at 609-839-8754
A & S Furniture Service
FOR ALL YOUR FURNITURE PROBLEMS
REPAIRING • RESTORING • REFINISHING
FRENCH POLISHING
(732) 300-5072 • Fax (732) 833-1592
JOSEPH AMOROSO
CLAIM ADJUSTING
A.H.s.
NJLic # 13VH07897600
732-431-4687
No job too small, so don’t hesitate to call
Same-day call back, work done within 24-48 hrs.
All Types of Repairs & Replacements
Fully Insured
References gladly furnished upon request
NJ Lic. # 13VH08300900
kitchen and Bathroom Remodels
5 x 8 Full Bath Starting at $4900
4 x 5 half Bath Starting at $2900
Tile: Floors, Walls, Backsplashes,
Tile Repair, Recaulking
Baseboards and Crown Moulding
Kellie’s Beautiful Blinds, Inc.
Free in-home consultation/free installation
732-370-4400
“Let’s make a BLIND date!”
www.kelliesblinds.com
Redi
Management Services
Mike “The Handyman” YOver 25
e
Exp ars of
732-780-0468
erie
nc
24/7
Live
Dispatch
Senior
DEPENDABLE Citizen
Discount
LIMOUSINE
Transportation for any Occasion!
Airports, Cruises, Trains, Casinos, Appointments
Sedans, SUV’s, Vans, & Limousines
Serving Ocean & Monmouth Counties Senior Communities Since 1991
Licensed
& Insured
1-800-347-5357
www.dependablelimousine.com
See us on
Facebook!
AMA WATERWAYS
Fully Insured
 Gutter Cleaning
 Power Washing
 Gutter Whitening
 Siding
 Gutter Screening
 Decks & Patios
 Holiday Lighting
 Driveways
 Dryer Vent Cleaning
 Window Washing
CALL: 732-256-9844/ or Visit us at: www.redi-ms.com
[email protected]
TULIP TIMe RIveR CRUISe
ROUND TRIP AMSTeRDAM
FREE AIR ON MAY 4, 2015
CONTACT: JAN DAVIS 732 431-1748
TRAVEL CONNECTIONS, LLC
Manalapan, NJ 07726
E-mail: [email protected]
AFFORDABLe hOMe SeRvICeS
908-770-6006
NJ Reg # 1772711
Handyman Services
Kitchen/Bathroom Renovations
Tile: Floors, Walls, Backsplashes
Painting: Interior/Exterior
Light Carpentry/Sheetrock Repair
Pergo Flooring Installation/Clean-outs
This Space Available
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Call 1-888-637-3200
TRANSPORTATION SERVICE
Long or Short Trips ~ Almost Anywhere
REASONABLE RATES
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CALL 908.770.8839
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Please Patronize Our Advertisers
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For Advertising Contact:
Senior Publishing Company
1520 Washington Avenue, • Neptune, N.J. 07753
888-637-3200
35
Pegasus Press • March 2015
36
Pegasus Press • March 2015
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