Press Releases

Hurricanes & Floods: Protecting Yourself Financially

Homeowners in New Jersey are exempt from costly hurricane deductibles for damages due to Superstorm Sandy, saving homeowners thousands of dollars. The hurricane deductible, typically 2% - 5% of the property’s value, is significant compared to the standard homeowners insurance deductible, usually $500-$1,000.

Homeowners insurance may not be enough to cover your damages due to the storm. People without a separate flood insurance policy can turn to FEMA (Federal Emergency Management Agency), as long as it is regarding their primary residence.

If you do not have flood insurance you may be left severely underinsured and over exposed as homeowners insurance policies typically do not cover losses due to flooding. Keep in mind, even with flood insurance finished basements may not be covered. However, household systems stored below ground level such as a furnaces, central air conditioning units, hot water heaters, sump pumps, and electrical systems are covered under a flood policy.

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If you have insurance with the National Flood Insurance Program (NFIP) you may be insured for a maximum of $350,000 for each home (up to $250k for the building and up to $100k for personal property). Know that this insurance coverage does not come cheap to those in high risk areas. An annual flood insurance policy can range from $400 in the lowest risk areas to $7,000 in the highest risk areas.

Premiums for flood insurance are expected to rise in the coming years. The right to raise premiums for flood insurance by as much as 25% per year, over the next five years was granted by Congress this past July. This increase in premiums will be felt largely by those who own vacation homes and other properties that repeatedly flood, as their previous insurance rates were far below market rates and have resulted in claims eclipsing premiums collected.

Flood insurance is mandatory for homeowners with federally backed mortgages for the acquisition or construction of buildings in high-risk flood areas. If you are not in a high-risk area your lender may still require it. Flood maps are currently being revised as they are extremely outdated. Therefore, there is the possibility that your insurer may contact you as flood zones change and require you to purchase flood insurance on your property. Do not rely on mandatory coverage notification before considering a flood policy as nearly 20% of flood insurance claims come from moderate-to-low risk areas and federal grants from FEMA cannot be relied upon to cover any or all losses incurred. If you are not prepared to handle the loss financially you may want to consider additional insurance.

 

 

About Encompass/Melissa Maslowski, CFS, CES, CTS:

Melissa Maslowski is President and founding principal of Encompass Financial Advisors, LLC, a Fee-Only financial planning and investment management firm located in Madison, New Jersey and servicing clients nationwide.

Melissa is a graduate of Seton Hall University’s Stillman School of Business. She completed the Fairleigh Dickinson University Certificate in Financial Planning, an 18-month program. In addition, she passed the Series 65 (Uniform Investment Advisor Law) Securities Examination as well as the 10-hour national CFP® Certification examination. Melissa also holds the following financial planning designations from the Institute of Business and Finance: Certified Fund Specialist (CFS), Certified Estate and Trust Specialist (CES), and Certified Tax Specialist (CTS). She is a member of the Financial Planning Association (FPA) and the National Ethics Association (NEA).

Encompass Financial Advisors, a Registered Investment Advisory (RIA), provides comprehensive financial planning and investment management services predominately to career professionals and retirees. Their services encompass all six areas of financial planning: cash flow, investment management, retirement planning, education planning, insurance planning, and estate planning.

Melissa Maslowski, CFS, CES, CTS

Fee-Only Independent Financial Advisor

President: Encompass Financial Advisors, LLC.

235 Main Street, Suite# 130, Madison, NJ 07940
Phone: 973-615-7233

Email: Info@EncompassFA.com

Website: www.EncompassFA.com

 

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Morristown

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AtlantiCast: Episode 14

On this week’s AtlantiCast, an internationally recognized orthopedic oncologist takes a leadership role at Atlantic Health System, see the newest weapon in the fight against HPV-related cancers, Atlantic Health System leads the Castle Connolly / Inside Jersey Rankings, and much more!

 

I Need to Take Leave from Work Because of a Disability. What are My Rights and Obligations?

According to studies, as many as one in ten persons of working age in the United States have at least one disability.  As a result of a disability or illness, most of us will need to take extended leave during the course of a career.  If you or someone you know suffers from a disability or illness and needs to take time off from work, here are some important things to know:

Leave Can ...

Morris Animal Inn Hosts Live Q&A Session; Wednesday Feb. 28

MORRISTOWN, NJ - Do you have questions about grooming your dog? The Morris Animal Inn is hosting a Live Question and Answer Session on Wednesday February 28 at 11:30am. Tune in to have all your questions answered by Morris Animal Inn's Grooming Manager, Jayanne.

Morris Animal Inn offers:

Bath, brush out, ear cleaning and nail trim package
Haircut to your specifications
Healthy ...

Lend a Hand for Morristown's Annual Spring Clean Up; Saturday April 21

April 18, 2018

MORRISTOWN, NJ - The Town of Morristown will hold its annual Spring Cleanup, this Saturday April 21. Branches and trash that typically accumulate in bushes, parks and along roads and walkways over the winter is more pervasive than usual this year.

The Morristown Beautiful and Morristown Clean Communities are co-sponsoring this year's Spring Clean-Up which will be held on Saturday, ...

Junior League of Morristown hosts Lunch with the Authors

BEDMINSTER NJ - The Junior League of Morristown is proud to present the 17th Annual Lunch with the Authors fundraising event May 4, 2018. The longest running event of its kind in New Jersey includes a panel discussion, book signing, and delicious luncheon featuring nationally acclaimed authors.

Lunch with the Authors has not only been a literary celebration featuring some of the ...

April Events at the Morristown Library

MORRISTOWN, NJ - The Morristown & Morris Township Library has lots of events going on in the month of April. Scroll down to find one for you!

Thursday, April 05

7:00 PM

Three Civil War Generals from Morristown

Disgraced generals and court martials. Bungled orders. Sensational newspaper stories. Political machinations. Insanity and institutions. Idealism and bureaucracy.

Grand Encampment This Weekend at Morristown's Jockey Hollow

April 20, 2018

Morristown, NJ – On Saturday April 21 and Sunday April 22, re-enactors will participate in Jockey Hollows' Grand Encampment. The event focuses on the life and times of soldiers and civilians during the Revolutionary War. 

The re-enactment will take place at Jockey Hollow, 580- 600 Tempe Wick Road Morristown from 11am to 4pm, both days. The events are free and ...

Special Concert in Morristown Features Doolin'; Friday Apr. 20

MORRISTOWN, NJ - The Folk Project will present a special concert featuring Doolin’ on Friday, April 20, 2018 at 7:30 PM. The concert will be held at the Morristown Unitarian Fellowship, 21 Normandy Heights Road in Morristown, NJ. Tickets can be purchased in advance for $20 at www.FolkProject.org or at the door for $25.

Doolin’ is France’s ...

Healthy Plant-Based Eating: A Free Introduction to be Given in Morristown; April 24

MORRISTOWN, NJ -  A free talk on plant based eating will take place at the Morristown & Morris Township Library on Tuesday April 24 at 7pm. Marisa Sweeney, RDN and Co-founder of New Jersey VegFest will lead the discussion which will offer helpful tips for healthy eating.

The presentation will be geared towards people interested in making the jump to veganism as well as those ...

Community Invited to Morristown Anniversary Prayer Walk

April 20, 2018

MORRISTOWN, NJ - Pastors David Smazik and Sidney Williams invite the community to join them for the 175th Bethel Church of Morristown Anniversary Prayer Walk. The Prayer Walk will celebrate the founders of the Bethel African Methodist Episcopal Church as well as the African American soldiers and sailors who are buried in Evergreen Cemetery.

Those interested should meet The Presbyterian ...

Morristown Cat Missing Since Last Week; Help Needed to Find Him

MORRISTOWN, NJ - A cat has been missing from the Morristown area since last week and the owner is asking residents to keep an eye out for him

Jack, is a black and grey short haired tabby cat that is shy but very friendly, stated his owner. He  is an indoor cat, without a collar, that has been missing from the house, in the area of Woodland Avenue And Albert ...

Luck O' The Farm Returns to Morristown's Fosterfields Living Historical Farm; Sat. April 14

MORRISTOWN, NJ. - On Saturday, April 14, from 11 a.m. to 4 p.m., experience a day in the life of Irish farm workers and servants who worked for the Foster family at Fosterfields Living Historical Farm in Morris Township.

During the 19th century, America became a melting pot of diverse cultures that immigrated to this country. The Irish were among those who came in search of new ...

The Cora Hartshorn Arboretum is now Accepting Applications to the Cora's Conservation Corps Teen Volunteer Program

April 17, 2018

The Cora Hartshorn Arboretum is now accepting applications for Cora's Conservation Corps Teen Volunteer Program.

Cora’s Conservation Corps is a service-based program where teens participate in four major activities: environmental education, forest conservation, citizen science, and volunteerism. Through these activities, individuals develop leadership skills, fine-tune public ...

CCM to Air Weekly Television Show

RANDOLPH, NJ – The Alex DeCroce Media Center at County College of Morris (CCM) is now airing a new series of programs titled “Spotlight: Morris County” on Morris Educational Television (METV).

Each 30-minute episode will be aired on METV Channels 40 and 77 on Mondays first at 9 a.m., then at 3 p.m. and again at 9 p.m.

Professor Julian Costa, ...

Snow Kidding, Snow Possible for Tuesday

NEW YORK, NY - The National Weather Service predicts a possibility for snow on Tuesday with little to no accumulation. 

Monday will remain chilly with light breezes making it feel colder than it actually is. 

Tonight, a mixture of snow and rain is expected to hit the area around midnight and continue through the early morning hours. Rain is expected to follow. Tuesday temperatures ...

Improvements Planned for Two Busy 90 Year Old Morris County Bridges, One in Florham Park

April 19, 2018

Florham Park, NJ - Morris County, in coordination with the North Jersey Transportation Planning Authority and New Jersey Department of Transportation, is conducting studies to determine improvements needed for the Columbia Turnpike Bridge in Florham Park and the Valley Road Bridge in Long Hill and Bernards Township, at the Morris and Somerset counties’ ...

Gov. Phil Murphy in Newark for town hall style meeting on budget

April 19, 2018

New Jersey Gov. Phil Murphy will be in Newark tonight for a town-hall style meeting to talk about his proposed $37.4 billion budget for fiscal year 2019 that begins July 1.

The event will be held at Newark Technical High School, 91 West Market Street, Newark. Doors open at 5 p.m. for a 6 p.m. start time. The event is free and open to the public. For security purposes, backpacks ...

Want to avoid gaining weight? Don’t diet!

Researchers aiming to identify lifestyle factors related to weight management followed more than 4,500 young adults (average age 24) for ten years. At the end of the study period, 77% of the men and 72% of the women had gained weight. The lifestyle factors associated with no weight gain among the remaining 23% of the men and 28% of women were regular eating patterns (not skipping meals) and no ...

Home Buying Myths Slayed

Team Nest Builder wants YOU to know the truths about buying a New Jersey home!

Some Highlights:


The average down payment for first-time homebuyers is only 6%!


Despite mortgage interest rates being over 4%, rates are still below historic numbers.


88% of property managers raised their rents in the last 12 months!


The credit score requirements for mortgage ...

Retro Review: Johnny Got His Gun by Dalton Trumbo

Retro Review: Johnny Got His Gun by Dalton Trumbo (Citadel Press, 1970)

 

How does a reviewer do justice to a book called “the great American novel”? I first read Johnny Got His Gun during the Viet Nam war, when young people, nationwide, were protesting fighting in a war that was a senseless waste of life; a war in which the United States had no business participating.

'The Sting' shimmers and shakes at Paper Mill

‘The Sting ‘slithers and shakes at Paper Mill Playhouse

By LIZ KEILL

MILLBURN, NJ – In a premiere production of “The Sting,” Harry Connick Jr. commands the Paper Mill Playhouse stage in Millburn.

Based on the sensational Paul Newman/Robert Redford film in 1973, the 1930s plot centers on a con game and gambling, sometimes on a train between New York and ...

Letter to the Editor: Don't Complain. Vote!

April 14, 2018

Don’t Complain; Vote!

It’s no secret that people have strong feelings about what’s happening in our country. It’s also true that much of politics is local. In November, NJ-11th District residents will have the opportunity to choose a new congressional representative who will not only serve as a critical check on the federal level, but also determine how our distract ...

April is STD Awareness Month and Get Yourself Tested Month

April 21, 2018

April is Sexually Transmitted Diseases (STD) Awareness Month, a national campaign to increase awareness about education, treatment, and prevention of STDs.  

STDs are common, affecting 1 in 2 sexually active people during their lifetime - and most people don't know they are infected.  The rate of STDs is increasing, with a 68% increase in bacterial sexually transmitted ...

New Jersey Fashion Companies Capitalize on State Resources to Grow

NJ Business Action Center recently assisted Adore Me and Better Team USA to identify space and financing.

The U.S. apparel market is the largest in the world, valued at over 360 billion dollars. However, the market has been disrupted by the rise of e-commerce, and is moving beyond established locations like NYC’s garment district. 

That said, like every industry, fashion ...

Candidate Statement; Falkner, Gyorfy Announce Bids for Morris Township Committee

April 12, 2018

Dan Falkner and Mark Gyorfy submitted their petitions to run for Morris Township Committee with the endorsements of the Morris County and Morris Township Democratic Committees. Falkner, a Navy veteran and former investment banker, and Gyorfy, a volunteer firefighter and former congressional staffer, intend to bring their public service experience to Morris Township’s governing body to ...

Candidate Statements: John Cesaro and Aura Dunn form Freeholder Ticket

“The Smart, Conservative Choice for Morris County”

Incumbent Cesaro and Mendham Borough resident, Aura Dunn will run together for the Republican Primary on June 5, 2018.

Both candidates hold advanced degrees and have a combined 40 years in public service.  Cesaro, with a law degree from Quinnipiac University and Dunn, a Master of Public Administration from the George ...

Upcoming Events

Mon, April 23

Scherman Hoffman Wildlife Sanctuary, Bernardsville

NJ Audubon: Les Photos de Bernie at the Wayrick ...

Arts & Entertainment Green

Mon, April 23, 6:00 PM

Old York Cellars, Bridgewater

Wine & Truffle Tasting

Arts & Entertainment Giving Back Health & Wellness

Tue, April 24

Scherman Hoffman Wildlife Sanctuary, Bernardsville

NJ Audubon: Les Photos de Bernie at the Wayrick ...

Arts & Entertainment Green

Police Blotter: 3 Morristown Men Arrested for Narcotics During Motor Vehicle Stop

April 9, 2018

3/26: ARREST FOR WARRANT: Officers executed a motor-vehicle stop for a moving violation in Morristown. An investigation revealed Young W. Lee, age 55, of Palisades Park, to have a warrant for failure to appear in Ridgefield Borough Municipal Court. He was able to post the required bail and was released with a new court date pending.

3/26: ARREST FOR NARCOTICS/D.W.I.: Officers executed a ...

Spring 2018 Menu Release

April 19, 2018

Our formula is simple: great food, great drinks and an inviting place in which to spend your evenings. Join us as we release our Spring 2018 menu. This is one Morristown restaurant that will not disappoint.

 

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www.EndofElm.com