The reality is simple and uncomfortable: most interactions with law enforcement end peacefully when people comply, remain calm, and address grievances through legal channels. Millions of traffic stops, arrests, and investigations occur every year without incident. That is not because officers are perfect, but because the system is designed to function when basic cooperation exists.

The left often responds by pointing to “bad cops” or “rotten apples.” Those exist in every profession, and when misconduct occurs, it should be addressed—through courts, internal affairs, and civil lawsuits. But teaching people that every encounter with law enforcement is inherently dangerous, illegitimate, or racist does not protect lives. It endangers them.

When individuals are conditioned to believe that resisting, fleeing, or confronting officers is an act of moral courage, tragedy becomes far more likely. When federal agents enforcing immigration law are labeled as “fascists” or “invaders,” it should surprise no one when someone decides violence is justified.

This is not about blind obedience. It is about civic responsibility. A functioning society requires respect for lawful authority, even while demanding accountability. You challenge abuses in courtrooms and legislatures—not at the end of a gun.

The Minneapolis ICE shooting should force a reckoning. Words matter. Rhetoric shapes behavior. And a political movement that spends years eroding trust in law enforcement cannot wash its hands when that erosion turns deadly.

Respect for law enforcement does not mean surrendering rights. It means recognizing that chaos is not justice—and that teaching people otherwise comes at a very real human cost.

The federal tax credit scholarship program, which has been the result of a years-long advocacy and lobbying effort by Agudath Israel of America and other groups, would allow taxpayers to receive a tax credits for contributions to scholarship organizations that help families pay for private school tuition or other educational expenses.

Singer called the initiative “common sense” and said it would deliver tax relief while giving parents more educational choices for their children.

“It gives parents more options, helps students reach their full potential, and ensures New Jersey’s hardworking families aren’t left behind while other states take advantage of this program,” he said.

Under the law, which was included in the One Big Beautiful Bill signed by President Trump in July, taxpayers can receive a maximum $1,700 tax credit per year for contributions made to state-recognized scholarship granting organizations. The SGO’s who would be required to grant scholarships to students – both in public and nonpublic schools – for elementary and secondary education expenses, including tuition, books, supplies, uniforms, transportation, computers, and other eligible expenses.

However, the law also required that each individual state opt in to the program.

Residents in states that do not opt in would still be allowed to donate to scholarship organizations in other states that did opt in, potentially setting up a scenario where tens of millions of dollars can flow out of state, benefiting another state’s economy.

Earlier this year, Singer introduced a resolution urging outgoing Governor Phil Murphy to opt into the program, but that bill is more symbolic and is not expected to move during the current lame duck session.

Sherrill has not yet commented publicly on the program.

The program is scheduled to be implemented in 2027.

The initial report was taken by Officer Johnson. The investigation was later continued by Detective Stefanelli, who reviewed delivery records, documentation, and surveillance images related to the pickup.

As a result of the investigation, the courier was identified as Jordain Carson, 31, of Monroe, New Jersey. Carson has been charged with third-degree theft. The matter remains pending court proceedings.

Mukherji said the bill replaces an abrupt cutoff with “breathing room and peace of mind” for families navigating the enrollment process while caring for a newborn.

Murphy signed the bill as part of a broader package focused on maternal and infant health, but the newborn coverage provision stands on its own as a targeted expansion of access to care. State officials said the additional 30 days will help families avoid gaps in coverage that can delay pediatric visits, immunizations, and other essential services.

Under existing law, parents had 60 days after a child’s birth to enroll the infant in a health plan. Supporters of the bill argued that the timeline did not reflect the realities faced by new families, particularly those navigating medical recovery, childcare, and administrative requirements simultaneously.

Sen. Joseph Lagana, a sponsor of the legislation, said the extended window offers “meaningful peace of mind” while helping ensure infants maintain continuous access to medical care. “It is a simple and practical measure that supports families during an important and often stressful transition,” he said in a statement.

The law takes effect immediately.

Home & Renters Insurance: Update Inventories and Renovation Details

• Homeowners and renters are urged to update their home inventories — either by listing valuables or recording a simple smartphone walkthrough, especially after major purchases or home upgrades.
• Renovations such as finished basements or updated bathrooms can change the value of a home and the coverage needed. AAA reminds consumers that insurance is based on the cost to rebuild, not the home’s market value.

Life Insurance: Healthy Habits Can Save Money

• Maintaining a healthy lifestyle and seeing a doctor regularly are not only good for long‑term wellness, but they may also help lower life‑insurance rates. Because premiums are based partly on age and overall health, younger and healthier applicants often receive better options.
• AAA advises reviewing beneficiaries annually and ensuring important documents are stored securely and shared with a trusted contact.

Mind the Gaps: Consider Additional Coverage

• A standard homeowners policy leaves several costly gaps in coverage, including water backup, service line failures, and mold remediation, issues that can lead to major unexpected expenses. Adding the appropriate endorsements ensures homeowners are protected from these common but often overlooked risks.
• Flood insurance, which is not included in standard homeowners policies, may be essential for people living near water or in areas prone to heavy rainfall, even if not in a designated high-risk flood zone.
• Umbrella insurance, which is extended liability coverage beyond home and auto policies, can also offer added financial protection at an affordable cost.

Travel & Pet Insurance: Protect What You Love

• For frequent travelers, travel insurance can provide reimbursement for cancellations and coverage for medical emergencies or evacuations during trips.
• Pet owners may also benefit from pet insurance, which helps offset the cost of veterinary care in case of illness or injury.

“No one wants to think about worst‑case scenarios but taking an hour to review your insurance at the start of the year can make a huge difference,” Scroggins says.  “It helps ensure you’re protected and that you’re not overpaying for coverage you don’t need.”

Every bit of help – big or small – is a zechus.

A mitzvah of today – a merit forever.

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You can spread illness even if you feel well: Medical research shows that people can transmit infection while asymptomatic or before symptoms appear. Germs harmless to one person may cause illness in another. [A]

Sneezing into hands spreads germs: Sneezing into hands transfers germs directly onto the skin, which are then spread to shared objects and surfaces. [B]

How long germs last on surfaces: Respiratory viruses may persist for hours to days depending on the surface: several hours on porous materials, up to 24 hours on cardboard, and up to 2–3 days on plastic and stainless steel. [B]

Illnesses spread: Influenza, RSV, pertussis, COVID-19, and other respiratory infections are transmitted through respiratory droplets and contaminated surfaces. [A]

Halachic basis: The Gemara in Bava Kamma (3a) classifies expelled bodily matter as “kicho v’nio.” While airborne it is treated as “adam hamazik.” After it comes to rest it is treated as “bor.” There are poskim who include sneezing, even as fine mist, within this framework. At a minimum, according to all opinions, this constitutes “grama b’nezakin.”

Causing distress (tza’ar): Causing distress to another person is forbidden even without medical harm. See Rambam, Hilchos Shecheinim 11:5, and Igros Moshe, Choshen Mishpat II:18.

Causing disgust: Included in divine judgment for “hakol ne’elam” is causing disgust to another person. See Chagigah 5a and Maharsha (ibid).

Correct conduct: Sneeze into the inside of the elbow, fully covering mouth and nose. Dispose of tissues immediately and wash or sanitize hands. Never sneeze openly in communal spaces.

Medical Sources:

[A] Centers for Disease Control and Prevention (CDC): respiratory droplet transmission and asymptomatic spread; MIT Fluid Dynamics (Bourouiba et al.) sneeze gas-cloud studies.

[B] National Institutes of Health / PubMed Central (NIH/PMC): surface survival of respiratory viruses and hand-to-surface transmission studies.

TLS welcomes your letters by submitting them to us via Whatsapp or via email [email protected]

After hours of deliberation, the asifa concluded with a decision to designate a yom tefillah and a fast day. Krias HaTorah of Vayechal will be read at Mincha. On that day, roshei yeshivos, roshei kehillos, chadarim, and Bais Yaakov schools are to address the dangers of this issue and work to establish clear boundaries, including eliminating the use of calling or texting open AI. Practical steps discussed included the introduction of phones and phone lines that block access to open AI, with the goal of establishing a communal standard rendering such use unacceptable in homes, yeshivos, and schools.

The asifa was attended by many of the Ziknei Roshei HaYeshiva, as well as Admorim and Rabbonim representing chassidish and sephardic communities.

As the Kia traveled the wrong way past Edge Street, it collided head-on with a westbound 2005 Toyota Corolla operated by Joao R. Luiz, 51, of Newark. The impact caused both vehicles to rotate, with the Kia coming to rest along the eastbound curb line and the Toyota stopping on the westbound shoulder.

The Laurelton Fire Department responded and extricated one of the victims from a vehicle. The Ocean County Sheriff’s Department Crime Scene Investigation Unit assisted with processing the scene, and Hatzolah EMS also responded.

Both drivers were transported by Brick EMS/Rescue to Ocean Medical Center for treatment. Mr. Luiz later succumbed to his injuries and was pronounced deceased at the hospital.

The crash remains under investigation by the Brick Township Police Department Traffic Safety Unit. Anyone who witnessed the collision or has information is asked to contact Officer Daniel Fogarty at (732) 262-1141.

When Tzedek first raised its voice on this issue, the goal was simple yet ambitious, to see infertility treatment recognized as healthcare, and covered accordingly. At the time, the idea of removing thousands of dollars from each cycle felt far beyond reach. But today, that dramatic relief is beginning to materialize.

At the same time, the broader objective remains firmly in sight. Encouragingly, there has been positive communications with the White House that the administration is actively exploring changes that include insurance-based solutions as well, our ultimate goal. This development, when fully realized, will represent a historic turning point for families across the community. Klal Yisroel is mispallel that these efforts come to fruition, bringing a long-awaited yeshua to so many of our anguished brothers and sisters.

The new TrumpRX platform will operate under the leadership of the acclaimed Dr. Oz – Administrator of CMS, who previously addressed a large Tzedek conference regarding this matter and the work done to alleviate this difficult predicament. Dr. Oz has assembled a team that includes the company behind the successful Airbnb platform, a move that has generated optimism that the rollout will be efficient, accessible, and smooth.

Rabbi Moshe Margareten, founder and president of Tzedek, expressed deep gratitude to the community upon this new development. Rabbi Margereten has previously visited the White House in his capacity as community ambassador with the acclaimed fertility expert Dr. Kaylen Silverberg, and more recently with Dr. Joshua Klein, to push for positive advancements on this front.

“None of this happens in a vacuum,” he said. “We thank Klal Yisroel for standing with us and enabling us to deliver this good news, news that goes even beyond what we originally hoped for. This initiative will BEZ”H save our community many millions of dollars and ease an unbearable burden for so many couples, and there is more good news to come.”

It is hoped that this program will continue to expand in the months ahead, with even steeper discounts and broader eligibility that will further transform what was once an impossible challenge into a manageable path forward.

For families who have waited too long, the Tzedek team celebrates this win but promises not to rest until every couple relying on this treatment is able to attain it, and with Hashem’s help build their own healthy bayis ne’eman b’Yisroel

[Press Release]

Interestingly, the declining number of gun deaths coincides with the aftermath of the U.S. Supreme Court “Bruen” decision, which many politicians warned would lead to an increase in violence.

Major cities saw substantial reductions, with Atlantic City and Paterson reporting drops exceeding 50% in shooting victims. Camden, Newark and Trenton each saw declines between 23% and 31%.

Motor vehicle thefts fell to 13,693 from 15,041 the previous year, according to the New Jersey State Police Regional Operations Intelligence Center.

Attorney General Matt Platkin attributed the improvements to coordinated law enforcement efforts and new public safety strategies, including community-based violence intervention programs and the ARRIVE Together initiative, which pairs mental health professionals with police responders.

The state has expanded the ARRIVE program to all 21 counties since its launch in December 2021, resulting in more than 15,000 interactions. Community-Based Violence Intervention programs reached more than 97,600 people through the first three quarters of 2025.

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We invite your questions, comments, or feedback. If there’s a specific kashrus topic you’d like to bring to public attention, feel free to contact us by email: [email protected]

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Below is a transcript of the entire episode

R’ Yitzchok Hisiger: Hello everyone and welcome back to Let’s Talk Kashrus presented by the Kashrus Awareness Project. Today I am privileged to be joined by Rabbi Yaakov Eisenbach, rabbinic coordinator for food service at the Chicago Rabbinical Council. Thank you Rabbi Eisenbach for being here once again. So nice to see you.

R’ Yaakov Eisenbach: Always such an honor to be here and coming back. Thank you.

R’ Yitzchok Hisiger: So I want to talk to you about consumers who go out of town. I get this a lot.

First of all, people travel much more than they used to, many people travel on business, people go out of town, they come to a restaurant, the restaurant may have a hashgacha but they don’t recognize what it is, they don’t know what they could eat. Give us a little guideline as a mashgiach who’s been doing this for over two decades, you’ve been there, you’ve seen it, you see what goes on in these places. Give that traveling consumer a few tips for what he or she should know when they’re on the road.

R’ Yaakov Eisenbach: The number one thing I would tell a consumer or someone who travels a lot or even if you don’t travel, you go once a year, twice a year, and we’re going there and call our office and call the cRc or call someone you know in kashrus and say do you know anything about this place, can I eat there.

R’ Yitzchok Hisiger: Very often, I’ll just mention, very often they don’t have the ability to do so because they don’t even know this restaurant exists until they get to the city and then they’re there and they’re in the local shul and they or something or they meet someone and they say to someone, do you know if there’s any place to eat over here and they say yeah, there’s this restaurant down the block and they go there and now they’re literally sitting in the restaurant. They didn’t have a chance to call the cRc to prep them. They might have a few cans of sardines and tuna in their hotel room, they brought a little preparation, a few crackers, but now they’re on the spur of the moment, what could they do.

R’ Yaakov Eisenbach: So again in these small towns we acknowledge that there are different levels based on the town and availability.

So in a big city we expect the hashgacha to be of a higher level. Certain small towns the rav wants to bring kashrus and have some place for people to eat out in order to raise up population, people can be able to. One of the things people look at is there a shul, is there a mikvah, is there other things that a day school, a high school, Jewish infrastructure. One of the Jewish infrastructure is to have food service, place to go out for breakfast.

Even if it’s not but there’s somewhere we can go get a coffee and not deal with Starbucks and look at the list, oh I can get this latte that’s made with I don’t even know how to pronounce it. So we understand so let’s say we go to a bigger city where there’s more mashgichim available, where the consumer there also is of a higher level where they want and there’s a small city where you can’t find anybody to help and they’re not doing anything big. We’re not talking about _fleishig_restaurants like a small bagel place, maybe milchig, so there’s guidelines of what would be the minimum hashgacha, what is the maximum hashgacha. So you go to a town again you could be out in Oklahoma, I don’t know and then they have a small shul there and the local rav gives a hechsher to a bagel place.

So will you have a mashgiach temidi there, no you probably won’t. But if it’s under hashgacha, you got to get a hold of the rav and speak to him just say what are the standards that you have here. Is there any cholov yisroel of again, depends on your standard. The bagels, where are they coming from.

If you’re makpid on pas yisroel. Pas yisroel sure. So he’ll tell you a lot of the places they do turn it on depending on the hashgacha of who’s giving it in that local town. That _rav_might be makpid on pas yisroel or I’ve seen it where it’s not pas yisroel but they bake challahs for them so on Fridays or Thursdays the rabbi goes in and turns it on.

Oh is that right. I’ve seen it. I’ve seen it. But for somebody traveling and there’s a town usually it’s the local rav who’s the rav hamachshir.

So that is the number one person to call. So some places if it’s a fleishig restaurant now do you have a _mashgiach temidi_there. We’re talking more issues. I mean in a regular _milchig_restaurant you have issues too.

Is there bishul yisroel, just the actual cooking. _Bedikas tolaim_right. Bedikas tolaim and some people say the rav will tell you don’t eat the tolaim. I’m relying on this for the hamon am but for you it’s not.

Don’t eat vegetables. Right.

R’ Yitzchok Hisiger: There are people by the way who travel who do ask these there are people I could think of who reach out to me and I’m just kind of the middle person here because they know I have a connection to many kashrus agencies through Let’s Talk Kashrus and the people who travel and they’re constantly asking I’m going to Bermuda, I’m going to Panama, I’m going talking about outside the United States or I’m traveling to the Midwest so on and so forth and they want to know what. Where they could eat.

So beyond speaking to the local rov or if you’re doing it in advance you’re speaking to the cRc is there anything else that someone should know?

R’ Yaakov Eisenbach: Sure. Let’s say you go and there is a mashgiach there. But you don’t know let’s say the _hashgacha_it’s a big city but you’ve never heard of this hashgacha. So the first thing you should ask is is there a mashgiach here present? They say yeah so and I’ve taught this to my kids too you know the first thing just throw questions meaning is the tuna bishul yisrael? Is the bread pas yisrael? What’s yoshon? Which meat are you using? And if the mashgiach just boom boom boom boom you know you’re doing good.

You know again is he there all the time? I don’t know but at least you know there’s somebody overseeing what’s going on in the place.

R’ Yitzchok Hisiger: You’re saying the way someone answers a question tells you a lot about their knowledge their efficiency their accountability.

R’ Yaakov Eisenbach: Some places I’ve been was very nice they have a list and the daily list of because certain people want this meat hashgacha this hashgacha and they write on each day what the meat is this chicken cutlets is this hashgacha the meat ground beef is this. So that’s you know that’s knowledgeable you know we have at the CRC and we’re upgrading it you know as we have these screens you ever been in Chicago at a restaurant in Chicago? R’ Yitzchok Hisiger: I’ve been in one restaurant I think in Chicago.

R’ Yaakov Eisenbach: Okay I’ll call Rabbi Fishbane we’ll invite you come in there we’ll take you around a little bit you’ll see what we do. We have these screens some have broken down we’re getting we’re updating it where it’s going to be able because everything’s online by us of all our restaurants of what they have what’s the the status of the yoshon pas yisrael and bishul yisrael tuna and all that but we’re going to be updating it that automatically any changes they’re going to be wifi into this screen that we’re going to have in every restaurant and just update whenever it has to update. You can literally look it up on the spot. It’s there it’s sitting on we have them in our places some and then also because we’re open they have my cellphone number on it you have any questions call me or my yotzei v’nichnas.

And I’ve gotten over the years I’ve got some phone calls. We’re here to help the consumer out and we’re not trying to cover anything.

R’ Yitzchok Hisiger: You know before we wrap up I’m sure as a mashgiach and I’m sure other your fellow _mashgichim_encounter this issue of kashrus out of town because precisely because you’re traveling so much right so you end up in many places in a durf somewhere some village some town where there aren’t many Jewish establishments if any right and I’m sure you so the mashgichim themselves are dealing with this challenge.

R’ Yaakov Eisenbach: Yeah so they usually brown bag it.

R’ Yitzchok Hisiger: Yeah is that right?

R’ Yaakov Eisenbach: Oh yeah yeah I go to a Walmart bring along your rice cakes I always whenever I travel rice cakes and cheese you know.

R’ Yitzchok Hisiger: Rice cakes and cheese that’s the go to?

R’ Yaakov Eisenbach: Oh that’s my go to from Wisconsin you got to take the cheese but

R’ Yitzchok Hisiger: and how do you keep that how do you maybe you have an ice pack or

R’ Yaakov Eisenbach: No they bring when you get to the hotel you pour ice over everything. But I have the luxury I deal with food service so I have all the headaches but I get to be home every night so I don’t have to travel so much get to be in yeshiva I get to do you know but it’s I can be up this week mashgiach got sick 5:00 a.m. in the morning he says he’s going to go open up but I got to find a replacement for him. So that’s a different type of you know the dedication of the mashgichim.

R’ Yitzchok Hisiger: Sure sure sure.

R’ Yaakov Eisenbach: And food service is I always talk about is I mean we could talk about this something else to discuss is just the day to day what a mashgiach does compared to somebody who goes to a company you know a company you go there forty five minutes half hour check the items you get paid certain amount but a food service in normal cases they’re getting paid by the hour and they’re.

R’ Yitzchok Hisiger: You know I’m happy that you mentioned the dedication of mashgiach we’ll end with this because just this week I met the rebbitzen of a certain mashgiach wife very dedicated mashgiach someone who’s worked in the field of kashrus for many years and what emerged from my conversation is that most people don’t appreciate the dedication of kashrus mashgichim besides that they don’t get paid enough which is a conversation for a separate episode but just their mere dedication most of which goes unnoticed and flies under the radar it really is a tremendous service to klalyisrael all of the products we have and the plethora of items that we have in kosher supermarkets and so on and so forth is thanks to people like yourself who may be you know on the higher level and then the on the field mashgichim who really enable us to enjoy the many items that are available.

R’ Yaakov Eisenbach: When I was in yeshiva I mean as a kid bein hazmanim I used to work for extra money so we used to do the cholov yisrael runs in those days it’s not the same now where you have three four farms with thousands of animals. And the hours and the you get paid. I’m not saying they don’t pay, but the dedication like you’ve said here where they’ll travel and they’re away from home all week. Sure, I understand they got to make a parnassah and they’re doing that, but it’s you know, or they sit on a farm for a whole week so they get to learn, they get to this. But the mesiras nefesh, they go away for Shabbos.

You know, and I think about in food service too. A _mashgiach_there’s Shabbos parties, they got to take care of the mashgiach, you know, but they’re not home for Shabbos. They’re not home, right? Right. Right.

You ever go see a thank you to the mashgiach and say, I know it’s not easy for you to get away from home and thank you and your wife that you’re able to enhance our Shabbos by being here. You know, you go all these big, big dinners that theyhave, right? The amount of time that goes planning it and spend behind the times and working with it, you know when it’s a three, four-day convention, right? Yeah, sure. What goes behind it and the hours and the walking. I had to get three pairs of shoes at times, you know, once at Pesach one time besides the cruises, okay, that I could tell you stories about that too.

But you’re 16, 17, 18 hours on your feet.

R’ Yitzchok Hisiger: Wow. You know? Listen, it’s unbelievable what the mashgichim do and Rabbi Eisenbach, you as well, thank you for your immense contributions to the world of kashrus as you’ve been doing for a good over 20 years. So thank you for that and thank you once again for joining us. We appreciate it.

R’ Yaakov Eisenbach: Thank you. Appreciate it.

Throughout his career with Jackson Police, Sgt. Grochowski served on all three patrol shifts and held multiple specialized roles, including Field Training Officer, Firearms Unit member, Physical Training Instructor, Defensive Tactics Instructor, and Special Response Team member at both the township and county levels. He also assisted in search and rescue efforts at the World Trade Center following the September 11 attacks.

Promoted to Sergeant in 2018, Grochowski was widely respected not only for his professional service but also for his community involvement. Among many initiatives, he helped construct a wheelchair ramp for a disabled resident on his own time, donated his hair for cancer awareness, and played a major role in organizing toy drives and charitable events. He was a key organizer of the department’s involvement with the “Jake’s Got This” charity, supporting a local child diagnosed with cerebral palsy.

Sgt. Grochowski received numerous commendations throughout his career, including Officer of the Year awards in 2008 and 2012, PBA Member of the Year in 2016, Supervisor of the Year in 2018, and induction into the Jackson Alumni Hall of Fame.

Lieutenant Fred Meabe began his law enforcement career in 1996 as a Class II officer with Jackson Township before serving with the New Jersey Department of Corrections. He was hired as a full-time Jackson Township police officer in 2001 and served across all patrol shifts. His assignments included Field Training Officer, Special Response Team member, and service with the Ocean County Prosecutor’s Office Special Operations Group, where he participated in numerous high-profile narcotics investigations.

Promoted to Sergeant in 2015, Meabe served as shift commander and held key leadership roles including Gang Intelligence Supervisor and Public Information Officer, where he expanded the department’s social media outreach. He also served for many years as Commander of the Jackson Police/PBA Honor Guard, overseeing its presence at parades, memorials, and official events.

In April 2024, Meabe was promoted to Lieutenant, where he commanded multiple platoons and played a central role in implementing the department’s ongoing uniform transition aimed at improving officer comfort and adaptability.

Lt. Meabe was also widely known for coordinating the Jackson PBA Pig Roast for a decade, helping turn it into a major annual community event. Over the course of his career, he received numerous commendations, including two Meritorious Police Service Ribbons, an Officer of the Year award, and a 200 Club award.

The Jackson Township Police Department extended its congratulations and best wishes to Sgt. Grochowski and Lt. Meabe and their families as they enter retirement, thanking them for their years of dedicated service to the township and its residents.

ICE agents have been operating in parts of Lakewood as part of broader federal immigration enforcement efforts, and are routinely seen making arrests, including earlier today.

Officials cautioned that the observations are anecdotal and not based on a formal data analysis and that other factors may play a role as well.

PLEASE NOTE:

If you are currently active on NJ FamilyCare and have not received a termination letter, do not fill out this form, even if you believe you are no longer eligible. You will be eligible for a Special Enrollment Period to enroll in private health insurance once you receive a termination notice. If you need private insurance for 2026, please contact the LRRC for guidance.

If you receive a NJ FamilyCare renewal packet, do not ignore it!
All renewal packets must be returned by the due date.

To learn more about subsidized private health insurance plans and Get Covered New Jersey,
you can read the LRRC brochure here: go.lrrcenter.org/gcnjb

About the Lakewood Resource and Referral Center (LRRC): The LRRC provides comprehensive social service information, referrals, counseling, community education, and assistance in navigating both government and private-sector programs. We can be reached at 732-942-9292, and we are located at 212 2nd Street, Suite 501. For more information, to donate, or to be added to their mailing list to receive valuable tips and special program announcements, visit www.lrrcenter.org.

[Press Release]

The dynamics of the project often varied stretch-by-stretch; property-by-property. For instance, some portions of the new sidewalk are comprised of conventional concrete – which can handle heavy loads and are ideal for the front of homes; while other portions are comprised of a porous concrete – which offers enhanced drainage capabilities and is less prone to water/ice accumulation.

“Congratulations to our wonderful team for working together professionally and effectively to complete yet another crucial infrastructure project to perfection,” says Township Committeeman Meir Lichtenstein. “This represents an important step in enhancing pedestrian safety in Lakewood – which simultaneously boosts quality of life and helps alleviate vehicular traffic.”

The dynamics of the project often varied stretch-by-stretch; property-by-property. For instance, some portions of the new sidewalk are comprised of conventional concrete – which can handle heavy loads and are ideal for the front of homes; while other portions are comprised of a porous concrete – which offers enhanced drainage capabilities and is less prone to water/ice accumulation.

“Congratulations to our wonderful team for working together professionally and effectively to complete yet another crucial infrastructure project to perfection,” says Township Committeeman Meir Lichtenstein. “This represents an important step in enhancing pedestrian safety in Lakewood – which simultaneously boosts quality of life and helps alleviate vehicular traffic.”

Township Council President Mordechai Burnstein said the upgrade reflects a broader commitment to infrastructure investment and smart planning.

“Eliminating this lane reduction will make a real difference for drivers who rely on Hope Chapel Road,” Burnstein said. “This is exactly the kind of practical, quality-of-life improvement our residents expect, and we appreciate Ocean County’s responsiveness in moving this project forward.”

Additional details, including traffic advisories and construction timelines, will be shared as the project gets underway. Residents are advised to anticipate temporary traffic adjustments during construction once work begins. Work is expected at the end of the Spring.

Township Council President Mordechai Burnstein said the upgrade reflects a broader commitment to infrastructure investment and smart planning.

“Eliminating this lane reduction will make a real difference for drivers who rely on Hope Chapel Road,” Burnstein said. “This is exactly the kind of practical, quality-of-life improvement our residents expect, and we appreciate Ocean County’s responsiveness in moving this project forward.”

Additional details, including traffic advisories and construction timelines, will be shared as the project gets underway. Residents are advised to anticipate temporary traffic adjustments during construction once work begins. Work is expected at the end of the Spring.

“Federal efforts to reduce the number of vaccines recommended for all children in the United States are not supported by the available data nor the consensus of public health and medical experts,” the statement continued. “Instead, deterring participation in vaccination risks leaving children vulnerable to serious and preventable infections.”

Original story below:

The U.S. Centers for Disease Control and Prevention announced today they are reducing the number of vaccines it recommends for children, effective immediately.

With the change, the CDC-recommended list for children will now include 11 vaccines, down from the current list of 17.

Under the new recommendations, the CDC is no longer advising that all children receive vaccines for rotavirus, Covid-19, influenza, meningococcal disease, hepatitis A and hepatitis B. The CDC is instead advising that decisions about those shots be made by parents and their children’s healthcare providers.

“President Trump directed us to examine how other developed nations protect their children and to take action if they are doing better,” Health Secretary Robert F. Kennedy Jr. said in a statement.

“After an exhaustive review of the evidence, we are aligning the U.S. childhood vaccine schedule with international consensus while strengthening transparency and informed consent. This decision protects children, respects families, and rebuilds trust in public health.”

Kennedy has long sought to reduce the number of shots American children receive.

Although recommendations from the C.D.C. greatly influence state regulations, states, not the federal government, have the authority to mandate vaccinations.

The new Jackson tower is anticipated to provide a modern observation point for spotting wildfires and enhancing early detection capabilities across Ocean County woodlands and surrounding areas. Construction at the East Veterans location has been underway through 2025, with the new structure designed to continue the essential role once filled by the Lakewood station. 

Final details on the tower’s operational start date and any planned dedication ceremony have not yet been announced.

Despite this, chalitzah itself remains infrequent because the situation—where a husband dies childless and has a surviving brother—is comparatively uncommon.

The Process Explained

The ceremony is traditionally performed with the woman removing a special shoe from the brother-in-law’s foot and declaring a formula that releases him from the Yibbum bond. This symbolic act signifies that the widow is no longer bound to her brother-in-law for marriage under the Yibbum obligation.

State officials said the move cements innovation as a long-term pillar of government operations, regardless of future administrations. Since its creation, the Office of Innovation has worked with nearly every state agency to improve how residents and businesses interact with government.

According to its recently released second annual Impact Report, the office helped more than 65,000 entrepreneurs start businesses faster through Business.NJ.Gov, generating an estimated $167 million in economic impact in 2024 alone. Other initiatives included modernizing more than a dozen state call centers, enrolling an additional 100,000 children in the Summer EBT nutrition program through data-driven outreach, and reducing the average time to apply for unemployment insurance by more than three hours through a redesigned online application.

The office has also played a growing role in responsibly deploying emerging technologies, including artificial intelligence, to speed up benefit delivery and improve efficiency across state government.

Under the new law, the New Jersey Innovation Authority will be overseen by a 13-member Board of Directors appointed by the governor. The board will include ex-officio members as well as public members with expertise in areas such as data science, public engagement, digital technology, and digital service delivery.

The Office of Innovation will continue to be staffed by specialists in technology, engineering, data, design, and policy, and will maintain its focus on agile development, human-centered design, and measurable outcomes.

Murphy created the cabinet-level position of Chief Innovation Officer in August 2018 to lead the office. Beth Simone Noveck served as the state’s first Chief Innovation Officer until 2024 and was succeeded by Dave Cole.

Supporters of the legislation say the new authority provides stability, structure, and independence that will allow innovation efforts to expand, helping modernize outdated systems, improve access to benefits and services, and strengthen New Jersey’s competitiveness for businesses and entrepreneurs.

State leaders and business groups also said the NJIA will help ensure that technology investments remain focused on real-world results, equity, and efficiency, while allowing the state to remain nimble as new technologies continue to reshape government and the economy.

Lakewood Fire officials continue to encourage community members interested in serving their township to consider joining the department. Volunteering with Lakewood Fire provides critical training, real-world experience, and the opportunity to make a meaningful impact in the community.

His extensive career also includes senior positions with the New Jersey Office of Homeland Security and Preparedness, the Monmouth County Prosecutor’s Office, and the Middletown Township Police Department. In addition, Terefenko is a United States Army veteran who served during Operation Desert Storm.

Mayor Jennifer Kuhn said the appointment comes at an important time for the township. “Jackson Township is at an important moment as we continue to focus on responsible growth, strong municipal management, and public confidence in local government,” Kuhn said. “Mr. Terefenko brings an exceptional depth of experience, proven leadership, and a steady hand to the role of Business Administrator. We are confident he will serve our residents with professionalism, integrity, and a commitment to excellence.”

Council President Mordechai Burnstein also praised the appointment, emphasizing the importance of effective and transparent management. “This appointment reflects the Council’s priority of ensuring that Jackson Township is managed efficiently and transparently,” Burnstein said. “Mr. Terefenko’s résumé speaks for itself. His understanding of municipal operations, budgeting, and interdepartmental coordination will be a tremendous asset to the Township.”

Council Vice President Giuseppe Palmeri highlighted the breadth of experience Terefenko brings to Jackson Township. “From homeland security and emergency management to day-to-day municipal administration, Charles has worked at the highest levels of government service,” Palmeri said. “That experience will help Jackson Township deliver high-quality services while planning responsibly for the future.”

In addition to his administrative and law enforcement background, Terefenko holds a Master of Public Administration and has completed advanced leadership and management certifications recognized by the State of New Jersey. He has also served for many years as an adjunct professor at Monmouth University and Brookdale Community College, where he teaches courses in public administration, homeland security, and criminal justice.

This matter requires attention and action.

Sincerely,

A Concerned Community Member

TLS welcomes your letters by submitting them to us via Whatsapp or via email [email protected]

-The curb line is virtually non existent in some places , if the road gets flooded with a 1/2 inch of water it backs straight over to the lawns.
– they ground up the curb at the driveway aprons and didn’t repair them.
– the road is a roller coaster. Completely not smooth.
Now with the snow plowing the uneven pavement was that much more visible.

This is shameful that they even left the block and consider this complete.

Please look into this and have them come back and fix their work correctly. They should not be paid until this is corrected.

Response from Mayor Coles:

I am already looking into his. I spoke with one of your neighbors a week or so ago about this & several other neighborhood issues.

I will see what we can do to expedite any repairs there.

Ray

Question:

Hi, I feel bad asking again, but I truly love driving in my favorite town—Lakewood. That said, there is one intersection that makes me very uneasy.

It’s at Pine Street when making a left turn onto where it becomes River Avenue. I don’t understand why there isn’t a dedicated left-turn signal. A left-turn arrow would make this intersection much safer and easier to navigate, especially with traffic coming from James Street crossing River Avenue.

Right now, cars are trying to make left turns while others are going straight through the intersection, and vehicles attempting to make a right often get stuck in the middle. This creates confusion and feels unsafe.

Can we please get a left-turn signal at this intersection? Thank you so much for your time and consideration.

Response from Mayor Coles:

I agree with you. We have been asking the state DOT to realign and re-stripe that intersection with proper signage and lights. We have even offered them township property to help accomplish this.

Thanks

Ray

Question:

Thank you for always being so responsive to requests.

1. I frequently travel down Blvd of the Americas in the evening. For the past few weeks all the streetlights are not on when dark outside. It makes difficult to drive down this street. Please check on this.

2. Central Ave at Rt 9 (lakeside) very often cars take the quicker lane which is the left turning lane all the way to the intersection and then cut into the right lane. This causes a huge traffic buildup on the right lane. Can you either create a raised area between both lanes or at least restripe the road with a solid line to prevent this unfair practice. The latter idea would only be effective if enforced.

Thanks again for your help!

Response from Mayor Coles:

Good morning

We have new light heads for that area which are solar-powered and will not be subject to the constant outages that plague the area.

We are discussing that intersection (and many others) with the state DOT to see what we can do to improve flow in and out of Central

Thanks

Ray

—————–

Have a question for the Mayor? Send it to [email protected]

Have a question for the Chief? Send it to [email protected]

Who it’s for

Reverse mortgages can make sense for:

• Homeowners 62+ who plan to stay in the home long-term
• Retirees who are “house rich, cash flow tight”
• Borrowers who want a backup cash reserve (often via a line of credit)
• Seniors who want to pay off an existing mortgage and eliminate that monthly payment

The biggest rule

It must be your primary residence, and you still have to keep up with:

• **Property taxes
  **
• Homeowners insurance (and flood insurance if required)
• Basic home maintenance
  

Not paying these can cause the loan to become due.

How you can receive the money

With a HECM, funds are typically available as:

• Line of credit (use what you need, when you need it)
• **Monthly payments
  **
• Lump sum (often less flexible / program-specific)
• Or a combo

Pro tip people don’t realize: with a HECM line of credit, the unused portion can grow over time (it’s tied to the loan’s rate mechanics), so your available borrowing power may increase.

“How much can I get?”

It depends on your age, home value, and interest rates (older borrower + higher value generally = more available).

For 2026, the FHA/HECM maximum claim amount is $1,249,125 (nationwide) for case numbers assigned on/after January 1, 2026.

The protection most families care about: non-recourse

HECMs are non-recourse, meaning you (or your heirs) generally won’t owe more than the home is worth when it’s time to repay—no other assets are required to repay the debt.

When it gets repaid (the “maturity events”)

A reverse mortgage usually becomes due when:

• The last borrower **dies
  **
• The home is sold or title is transferred
• The borrower moves out / no longer uses it as the primary residence
• The borrower is out of the home for 12+ months (often due to health)
• Or the borrower doesn’t meet ongoing obligations (taxes/insurance/maintenance)
  

If the borrower passes away, the loan typically must be repaid—often by selling the home—but heirs may have options depending on circumstances.

Required counseling (built-in consumer protection)

Before moving forward with a HECM, borrowers must complete HUD-approved counseling and receive a counseling certificate.

Pros / cons in plain English

Pros

• No required monthly mortgage payment
• Can improve retirement cash flow
• Non-recourse protection (limits downside for heirs)
  

Cons

• Upfront costs/fees can be meaningful (often better if you’ll stay longer)
  
• Loan balance grows over time (less equity later)
• You must stay current on taxes/insurance/maintenance
  

Process (high level)

• Confirm eligibility (age/occupancy/property)
• Complete HUD counseling
  
• Apply + financial assessment (ability to handle taxes/insurance)
  
• Appraisal + underwriting
• Close + choose your payout option (LOC/monthly/lump sum)

Bottom line

A reverse mortgage can be a powerful tool when it fits the plan—especially for seniors who want to age in place and unlock equity responsibly. The key is understanding the ongoing obligations, the long-term cost, and how repayment works for the family.

Since 2023, Josh Dan has been a licensed loan officer. He takes complex finance and makes it simple, helping borrowers understand their options and make smart decisions. Connect at joshuadan.com.

For Flaum, that real estate had become diluted. As the company expanded across six product categories and more than 45 packaging variants, the look of the line became harder to recognize quickly in a crowded aisle, where shoppers decide in seconds.

That changed this year after a full rebrand and packaging redesign led by M/OTG.

Flaum old packaging

Flaum CEO Hershy Greenhut says the bold new design system didn’t just refresh the look, it produced measurable results. “We’ve seen a significant increase in sales since the rebrand launched, baruch Hashem,” he said, adding that retailers began actively requesting products for their shelves, noting that the packaging also elevated the look of entire deli sections in stores. In Greenhut’s words, boldness was the move: “That doesn’t happen by playing it safe.”

Flaum new identity

According to M/OTG’s Chief Brand Officer and lead designer Yaniv Vaknin, the approach was built on three fundamentals that every packaging system must deliver: distinction, identification, and memorability.

Flaum new packaging

“In simple terms,” Vaknin explained, “if you close your eyes and you can’t picture the brand vividly, you don’t truly own space in the customer’s mind. The redesign aimed to make Flaum unmistakable at a glance and etched in people’s hearts and minds..

For M/OTG, the recognition reflects something more purpose-driven than a design milestone.

The agency was founded in 2006 by Isaac Eidlisz, with a mission to raise the level of marketing and branding within the Orthodox business community. Just over a year ago, Eidlisz took that mission a step further by bringing renown brand designer Yaniv Vaknin and his team into M/OTG and establishing a dedicated Branding Department inside the agency, positioning M/OTG to take on larger, higher-level brand transformations than ever before. Together, Eidlisz and Vaknin set a shared goal: to help Jewish-owned brands level up with world-class work that can stand confidently on a global stage. Eidlisz described the Dieline recognition as “a Kiddush Hashem,” highlighting what it means to see a Jewish-owned agency acknowledged on one of the packaging world’s most influential platforms.

In his address, Trump said the United States will temporarily run Venezuela to ensure a safe, proper, and judicious transition of power. He also indicated that Venezuela’s oil resources could be used to offset costs and help stabilize the country during the interim.

Details of the operation, including which U.S. military units were involved, have not been fully released, although reports cite elite forces as being involved in the mission.

The move sparked immediate international reaction, with some world leaders condemning the U.S. action as a violation of Venezuelan sovereignty, while others applauded the removal of a leader long accused by the U.S. government of narcotics trafficking and other crimes.

Venezuelan officials have demanded proof of Maduro’s status and rejected U.S. claims regarding cooperation with Washington. The government in Caracas maintains that Maduro remains Venezuela’s legitimate president as uncertainty spreads across the country.

This unprecedented U.S. action marks one of the most aggressive foreign interventions in recent history and could have significant implications for regional stability and international law. More details are expected as the situation develops.

https://vimeo.com/1151284273

Letters notifying eligible residents began arriving by mail on December 27.

“With nearly $1.4 billion in medical debt abolished for hundreds of thousands of New Jersey residents, we are making a real, tangible impact,” Murphy said in a statement. He added that medical debt often forces families to delay care or cut back on basic needs.

Acting Health Commissioner Jeff Brown noted in a statement that medical debt is a major factor driving people to avoid or postpone care, and that eliminating it can improve long-term health outcomes by encouraging preventive services and routine medical visits.

There is no application process for the relief. Eligibility is determined based on income and debt levels: recipients are either at or below 400% of the federal poverty line or have medical debt totaling at least 5% of their annual income. The debt relief is a one-time action and cannot be requested by individuals, as it depends on providers and collection agencies choosing to sell qualifying debt.

Residents whose debt has been abolished will be notified directly through Undue-branded letters sent by mail.

We truly value the camp and want our children to have a positive summer experience. However, a more flexible and family-friendly payment structure would go a long way in supporting hardworking parents.

Thank you for your time and consideration. I look forward to your response.

Sincerely,
Many Frustrated Fathers

TLS welcomes your letters by submitting them to us via Whatsapp or via email [email protected]

Statewide, there have been 575 fatalities, a 15% decrease from the 684 deaths in 2024.

Countywide, there were a total of 62 fatalities, a large increase over the 46 fatalities in 2024, with 21 in Toms River, five in Manchester, and seven in Jackson.

Ocean County had the highest number of fatalities in the state with 62 people killed in 53 crashes, followed by Middlesex County with 48 death in 48 crashes. Ocean County also had the second-most pedestrians killed, with 17.

The incident is being jointly investigated by the Ocean County Prosecutor’s Office Major Crime Unit–Arson Squad, the Berkeley Township Police Department Detective Bureau, the Ocean County Fire Marshal’s Office, and the Ocean County Sheriff’s Office Crime Scene Investigation Unit.

[TLS Generated Image]

I am writing this letter both as a thank you and as a call to action.

There are days on the calendar when we honor fathers, mothers, and great leaders. But I propose that there also be a day recognized as “Bikur Cholim Day.” Just as we set aside days to honor those we love and admire, let us dedicate a day to honor the organization that sustains countless families in their moments of greatest need quietly, faithfully, and without fanfare.

To truly understand Bikur Cholim, one must understand true chesed. This organization is not defined by dramatic moments or public displays of help. Its greatness lies in something far deeper: a quiet, unwavering commitment to those who are suffering. It is hundreds of acts of kindness each day often unseen, rarely acknowledged, but absolutely indispensable.

Bikur Cholim is essential to our lives; its survival is not their responsibility it is ours.

And yet, this organization is struggling. Decisions must be made daily about what to cut, and money must be borrowed just to function. The people running Bikur Cholim should be focused entirely on helping others not on keeping the lights on.

Here is where the challenge runs deeper. We instinctively know it is often easier to help outsiders, to give to causes far away, than it is to help our own family. That may be part of the problem. Lakewood raises millions for organizations across the globe, which is beautiful but we must also remember to care for those closest to us. Bikur Cholim is your brother.

If Bikur Cholim is essential to our lives in moments of crisis, then its stability is a communal responsibility in moments of calm. Paying the bills is not their job. It is ours.

Lakewood values chesed, achrayus, and care for one another, then ensuring the strength and continuity of Bikur Cholim is not optional it is an obligation.

On behalf of every family in Lakewood that is touched by their kindness, we say thank you, Bikur Cholim, for being there when we needed you most.

Now it is our turn to stand with them our brother, our organization, our heart.

—————————–

TLS welcomes your letters by submitting them to us via Whatsapp or via email [email protected]

This pain is not a lack of emunah, not a weakness of character, and not a failure of will. It is the natural result of trust being broken in the place meant to feel most safe.

As Chazal teach, “Deracheha darchei noam” — the Torah’s ways are meant to lead to safety and peace. When secrecy around these struggles enters a home, that sense of safety is shaken.

Stopping the Behavior Does Not Automatically Restore Trust

There is a difference between:
Helping a husband regain self-control
and
Helping a marriage regain emotional safety

Many couples are surprised to discover that even with real improvement in behavior, closeness does not simply return on its own. Shalom bayis requires more than stopping what is harmful — it also requires actively rebuilding what was damaged.

This process takes time, patience, and guidance. It is not quick, and it is not superficial.

Healing Both the Individual and the Marriage

In many cases, the most effective approach includes:

• Individual treatment for the husband
• Support for the wife
• And, when appropriate, guided work focused directly on repairing the relationship

The goal is not only improvement in behavior — it is the restoration of trust, dignity, and emotional connection in the home.

Call for a FREE consultation Today!
📞 347-535-7863
or CLICK HERE!

— Dr. Asher Lipner, PhD
Licensed Psychologist | Guiding Path Therapy
Helping individuals and marriages restore trust, dignity, and connection.

Donate Now

SHAS YIDEN AT A GLANCE

Words of the Gedolim

• “The Shas Yiden avreichim gaonim are EMMESDIKE (True) SHAS YIDEN” – Maran Sar Hatorah, Hagaon Hagadol Harav Chaim Kanievsky, ztk”l
• “Shas Yiden has brought about a REVOLUTION IN THE LEARNING OF SHAS” – Maran Hagaon Hagadol Harav Gershon Edelstein, zt”l

Shas Yiden Facts

• There are now 132 avreichim gaonim at Shas Yiden!
• 7 kollelim! – Yerushalayim * Bnei Brak * Beit Shemesh * Beitar * Kiryat Sefer * London UK * Flatbush, NY
• Public Farheren for all the avreichim on entire Shas – 3 – 4 times a year!
• All this has been achieved in just 18 years – and a new kollel in the offing!

Shas Yiden Regimen

• Learning program – 7 days a week!! – including Erev Shabbos & Shabbos, Erev Yom Tov & Yom Tov
• Sun-Thurs: Each avreich completes 9 BLATT-A-DAY, PLUS 4 CHAZORAS (that is 45 blatt/day!), including every Rashi and Tosfos
• Fri-Shabbos: 4 blatt-a-day, plus 4 chazoras (20 blatt/day)

Shas Yiden Accomplishments

• Blatt per year per avreich = 13,555
• Total blatt per year = 13,555 X 126 avreichim = 1,789,260!
• Written tests: monthly on 225 blatt; mid-year – on 1350; annual – on 2711
• 180 days more learning per year than the average kollel worldwide!

Shas Yiden is a recognized 501(c)(3) organization
Tax ID# 27-3228076

DONATE NOW BEFORE 2025 ENDS!

CLICK HERE!

-Colonel Patrick J. Callahan

The increase leaves New Jersey with the sixth-highest statewide minimum wage in the nation.

Higher Gas Tax Takes Effect:

Beginning January 1, state’s gas tax rate will increase by 4.2 cents per gallon as a result of the law signed last year which gradually raises the State’s Highway Fuel Cap from Fiscal Year 2025 through Fiscal Year 2029.

The increase will bring the per-gallon tax from 34.4 cents to 38.6 cents for gasoline and from 38.4 cents to 42.6 cents for diesel fuel. When combined with the Motor Fuels Tax, which is fixed at 10.5 cents for gasoline and 13.5 cents for diesel fuel, the total tax rates that motorists will pay for gasoline and diesel fuel will be 49.1 cents and 56.1 cents, respectively.

Toll Hikes:

In addition to the gas tax increase, motorists will be paying more on virtually every state highway in the state this, as tolls will be increasing on the Garden State Parkway and the New Jersey Turnpike, as well as by all Port Authority bridges and tunnels.

Legal Notices:

Beginning March 1, public entities will be required to publish legal notices, including municipal meetings and foreclosures on their official websites, or eligible online news outlets.

The new law, signed by Governor Murphy in June, ends the state’s decades-long practice of requiring publication of public notices in newspapers with the aim of making information more accessible and saving costs for towns.

• Own a business (self-employed)
• Have steady deposits, but their tax returns don’t reflect their true cash flow
• Want to qualify based on what’s actually coming into the bank

You typically need to show a business exists (for example: business license, CPA letter, or other proof—varies by lender).

What documents are used

Bank statement loans can use either:

• Personal bank statements, or
• **Business bank statements
  **

Some lenders allow a mix, but usually it’s one or the other.

How income is calculated (simple)

**If using personal bank statements:
**Lenders total up eligible deposits and average them to estimate your monthly income.

**If using business bank statements:
**Most lenders assume a standard expense ratio and usually count 50% of your deposits as gross income.

Example:

• Business deposits average $40,000/month
• Lender uses 50%
• Qualifying income = $20,000/month

**If you can provide a CPA letter:
**Some lenders will use a higher percentage if your CPA confirms your business expense ratio is lower than 50%.
So instead of counting 50%, they might count 60%–80% depending on the lender and the CPA letter.

Down payment

Bank statement loans usually require a down payment. In many cases you can go as low as 10% down.

(Your exact minimum down payment depends on credit score, property type, occupancy, and loan size.)

What to watch out for

• Not all deposits count: transfers between accounts usually get excluded
• Large one-off deposits need a clear explanation
• Rates are usually higher than conventional loans (because it’s alternative documentation)
• Clean statements matter: overdrafts and negative balances can hurt

Bottom line

Bank statement loans are a strong option if you’re self-employed and your tax returns don’t show the income you actually earn.

If you have consistent deposits and can document your business, you may be able to qualify with as little as 10% down.

—————

Since 2023, Josh Dan has been a licensed loan officer. He takes complex finance and makes it simple, helping borrowers understand their options and make smart decisions. Connect at joshuadan.com.

To help the community gain the clarity they need, NASCK is offering two free live workshops over Shabbos Vayechi weekend, presented by Rabbi Elchonon Zohn and followed by audience Q&A. Rabbi Zohn, a highly acclaimed expert in afterlife care, is widely respected for his deep knowledge and decades of practical experience advising rabbonim, chevros kadisha, and crisis-response organizations.

The Kevurah K’Halacha Workshop will address questions that rarely get discussed—questions many people don’t even realize they should be asking. These include what to consider when choosing a burial plot, how to evaluate Jewish cemeteries, whether kevurah in Eretz Yisrael is appropriate for one’s family, and other essential details. The workshop aims to give participants the clarity and confidence to make responsible, informed decisions for themselves and their family members.

The Cremation Crisis Workshop confronts an increasingly urgent issue: the rapid rise of cremation in the American Jewish community. Today, approximately half of American Jews who pass away are cremated—about 30,000 Jews each year. The likelihood is that someone in your extended circle—perhaps a coworker, neighbor, cousin, or old friend—is planning to be cremated. NASCK receives heartbreaking calls almost daily from individuals who discover too late that a loved one had arranged for cremation. In most cases, this choice stems not from ideology but from societal trends and a lack of early guidance.

In this workshop, you will learn why cremation is a profound tragedy for the neshamah and for Klal Yisrael, what is driving this growing trend, and how proactive, sensitive conversations can prevent someone you know from being cremated.

As we learn from Yaakov Avinu, the time to act is before a crisis. These workshops offer a meaningful opportunity to ensure proper kevurah—for you, for your family, and for every Jew.

Registration for both workshops is free HERE!

Anyone with questions about the boards or commissions may contact the Mayor’s Office by phone at 732-928-1200 ext. 1218 or by email at [email protected].

All requests for consideration must be received by January 3, 2026.

The Township currently has the following advisory boards and committees:

Veterans Commission

Rent Leveling Board

Planning Board

Zoning Board

Economic Development Commission

Citizens Budget Advisory Committee

Private Residential Communities Advisory Board

Pathfinders

Environmental Commission

Multicultural Committee

Open Space Advisory Committee

Shade Tree Commission

Going Green Committee

Recreation Committee

Jackson Day Committee

Mayor Kuhn encourages residents to take advantage of this opportunity to get involved, meet neighbors, and make a meaningful difference in Jackson Township.

The day’s schedule includes doors opening at 9:45 a.m., followed by opening remarks at 10:00 a.m. Divrei Torah and hashkafa sessions will run throughout the morning, a Chinuch Q&A panel with R’ Moshe Wilhelm and R’ Binyomin Basch will take place late morning, and the keynote address by R’ Joey Haber is scheduled for the afternoon. A hot gourmet lunch will be served to all attendees.

What to Expect

Attendees can expect a full-day Tea Room with premium coffee, pastries, and refreshments; in-depth Business Halacha and Hashkafa addressing real-world challenges; firsthand insight from the dayanim answering these shailos every day; a dedicated Chinuch Q&A with leading menhalim; and a polished, professional program environment. In addition, every attendee will receive a complimentary new Chazon Ish on Emunah & Bitachon, while supplies last.

More information and registration details are available at hashkafaintheworkplace.com.

Anyone who may have witnessed the crash or has information about the events before, during, or after the incident—including dash camera footage—is asked to contact the Troop “D” Holmdel Station Detective Bureau at 732-441-4500, ext. 7417. Anonymous tips are welcome.

“I’m extremely honored to be able to serve as mayor of this great town for 2026,” Coles told TLS exclusively. “We’ve come along way, but there’s still an awful lot that we need to accomplish. We have an amazing team on the Township Committee, as well as all the professionals in town hall, and I really look forward to a meaningful and productive year for all the residents of Lakewood.”

The actual vote for the Mayorship, Deputy Mayor will take place during the Reorganization Meeting.

The five-body Committee is currently comprised of two democrats – Coles and Lichtenstein, and three Republicans – Miller, Akerman and Fuentes.

The Lakewood Township will once again be holding its reorganization virtually.

School leaders emphasized that this unified approach reflects cooperation, open communication, and a collective sense of responsibility toward the community. The initiative is intended to create a more thoughtful, respectful, and efficient admissions experience for families across Lakewood.

Binyamin ze’ev yitrof (Vayechi 49:27). Not only we give names but Hakodosh Boruch Hu, by means of His prophets, gave names like that. Binyamin ze’ev yitrof. He’s a wolf. A wolf is hungry, always hungry, and Binyamin is hungry for mitzvos. He’s hungry to serve Hashem. He doesn’t serve Hashem like somebody who has to do it; he can’t help himself so he forces himself. No; for avodas Hashem he has an appetite like a wolf. When a wolf eats up a sheep, he doesn’t do it leshem mitzvah, like somebody who ate a lot on erev Shabbos and now on Friday night he’s not able to eat any more but what can he do; he has to sit down at the seudah and eat some more. No! He’s hungry for mitzvos. That’s why you call him a wolf. And therefore all these names represent certain desirable characteristics of service of Hashem.

Rav Avigdor Miller Q & A

In this sixth installment, we turn to business plans and financial projections. While they may seem like paperwork required by lenders, in reality they are much more. A thoughtful plan shows you understand the business and the industry, and it lays out a credible roadmap for where you intend to take the company after closing. Projections that are rooted in reality, supported by sound assumptions, and tied back to historical performance help lenders, investors, and even your own team trust the numbers. Done right, they can also serve as an operating tool that keeps you accountable once you own the business.

For this conversation, I sat down with Joel Lowy of Kavana Business Deliverables, who has built hundreds of plans and projections for entrepreneurs and small business buyers. I asked him the questions I hear most often from buyers who want to know how to present their deal in the best possible light, and how to avoid the common mistakes that can undermine credibility with lenders.

Questions & Answers

Jerry: Why is a business plan so important in an acquisition context?
Joel: A business plan is essential because it creates clarity for both buyers and lenders. For a buyer preparing the plan, it forces a deep understanding of operations, markets, and financial performance. For a buyer reviewing a plan, it shows how the business truly operates. Two companies in the same niche can look similar on the surface but function very differently. The plan highlights those differences and ensures decisions are made with accurate information.

Jerry: What makes a business plan lender-ready?
Joel: A lender-ready plan covers all critical aspects of the business and industry, the history of the business, and a strong bio of the buyer or borrower that shows they are a solid fit. SBA lenders are less concerned with design and more concerned with substance. They expect organized 2–3 year projections, clear answers to common questions, and evidence of planning. The plan should present the whole picture in a way that demonstrates the business can generate reliable cash flow and manage repayment obligations, and that the buyer is capable of operating the business successfully.

Jerry: How do you strike a balance between optimism and realism in projections?
Joel: It is important to ground projections in facts, but it is also healthy for an owner to show ambition. Buyers want to see growth potential, and lenders want conservative assumptions backed by evidence. The right balance is to demonstrate both. Market sizing helps define the total addressable market, the serviceable market, and the obtainable share, which keeps numbers realistic. Competitor research and real-world benchmarks strengthen the case. At the same time, projections should reflect commitment and opportunity. Being too cautious can seem passive, while ambition backed by evidence shows an owner is serious about maximizing potential.

Jerry: SBA lenders require projections together with qualitative assumptions. What are these, and why do they matter?
Joel: Qualitative assumptions are the story behind the numbers. They describe the strategy, operations, and unique aspects of the business that justify the projections. For example, if higher sales are projected because of a new distribution agreement, that reasoning is part of the qualitative assumptions. If the business has seasonality, the assumptions explain that. They matter because they connect the financials to a logical plan of action, making the projections more credible.

Jerry: How should projections tie back to historical performance?
Joel: Projections should be linked to past results whenever possible. A history of steady growth makes it easy to justify continued progress. If past performance shows challenges, then the plan needs to explain what changes are being made and why the future will look different. This is where qualitative assumptions help bridge the gap. Connecting past data to future expectations builds lender confidence that the numbers are achievable.

Jerry: What are the most common mistakes you see in business plans and projections?
Joel: Very often, buyers put together a one- or two-page summary that does not cover all the angles. On the other hand, too much detail can be overkill. It is about finding the right balance that covers everything important without overwhelming the reader. Another mistake is using the same plan for every audience. A bank cares mainly about steady profits and repayment ability. An investor is focused on growth and returns. A good plan speaks to the needs of whoever is reading it and shows value in their terms.

Jerry: How detailed should operating expenses be in projections?
Joel: The key is to show that expenses have been fully considered. Even when exact numbers are uncertain, careful estimates should be included, and exact figures should be used wherever possible. Numbers may change later, but showing that level of detail gives lenders and investors confidence that the costs of running the business have been thoroughly thought through.

Jerry: When should a buyer start working on a business plan and projections?
Joel: Having the plan upfront to present to lenders goes a long way in demonstrating your seriousness as a buyer. Additionally, a business plan is like a passport: if you have it ready, you can “fly” whenever you need to. The basics should always be kept handy and updated regularly, especially after major changes like an acquisition, expansion, or pivot. Just as good bookkeeping keeps accounts in order, a plan keeps the business prepared to act quickly when opportunities or challenges arise.

Jerry: How do business plans differ for SBA lenders versus equity investors or internal planning?
Joel: Business plans serve different purposes depending on the audience. For SBA lenders, the focus is on repayment ability. They want to see debt service coverage ratios, structured projections, and steady cash flow. For equity investors, the emphasis shifts toward growth potential and returns, often presented in a pitch deck or summary plan highlighting scalability and exit opportunities. For internal planning, the plan is more detailed. It serves as a management tool, drilling into operations, logistics, product development, or pipelines. Internal plans are updated more frequently and guide ongoing decisions rather than securing outside funding.

Jerry: What advice would you give first-time buyers who feel overwhelmed?
Joel: The most important step is simply to begin. A business plan does not have to be perfect on day one. It is a process that helps you understand the business and make more informed decisions. Many first-time buyers hesitate because they feel underprepared, but working through the plan itself prompts critical thinking and uncovers blind spots. Support can come from consultation services, trusted advisors, or professional firms. The value is not just the finished plan, but the clarity and confidence gained along the way.

Closing Thoughts

Business plans and projections are not just a lender requirement. They are a discipline that forces buyers to get clear on how the business makes money, where risks lie, and what the future can realistically look like. Strong plans show lenders and investors that you are serious and prepared, but more importantly, they serve as a roadmap for you as the new owner. Pairing clean historicals with realistic, supportable projections creates confidence on all sides and sets the tone for disciplined ownership.

Stay tuned for the final installment in the Inside the Deal series, where I will answer the most common questions I hear about SBA financing and business acquisitions.

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About the Expert

Joel Lowy is the Founder and CEO of Kavana Business Deliverables, where he helps companies tell their financial and strategic story with clarity. His team specializes in creating business plans, financial projections, valuations, and investor presentations that give decision makers confidence. Kavana’s work equips clients to secure capital, navigate partnerships, and move forward with strategies that are grounded in reality. Joel can be reached at [email protected].

About the Author
Since 2018, Jerry Freedman, founder of Freedom Business Financing, has helped entrepreneurs across the country acquire businesses and secure owner-occupied commercial real estate through SBA 7(a) and 504 loans. Drawing on his background as an accountant, auditor, and CFO, and a track record of closing deals across multiple industries, Jerry is recognized for guiding buyers with clarity and integrity from LOI to closing. Contact Jerry by visiting freedombf.com.

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The state also announced higher taxable wage bases that determine how much of a worker’s earnings are subject to payroll contributions. For unemployment insurance, the taxable wage base will increase to $44,800 in 2026 from $43,300 in 2025. For temporary disability and family leave insurance, the wage base for worker contributions will rise to $171,100 from $165,400.

State labor officials said the annual adjustments are required by law and are tied to changes in the statewide average weekly wage. The 2026 rates are based on an average weekly wage of $1,598.66 in 2024, a 3.4% increase from $1,545.60 in 2023.

Eligibility thresholds for benefits will also increase. To qualify for unemployment, temporary disability or family leave benefits in 2026, a worker must earn at least $310 per week for 20 base weeks, up from $303 in 2025. Alternatively, workers who do not meet the 20-week requirement must earn at least $15,500 during the base year period, an increase from $15,200.

Those eligibility amounts are calculated using the state minimum wage in effect as of October 1, 2025, when New Jersey’s minimum wage was $15.49 an hour for most workers. The minimum wage is scheduled to rise to $15.92 an hour on Jan. 1, 2026.

In addition, the unemployment insurance contribution rate for state and local government entities that choose to contribute to the trust fund rather than reimburse it for benefits paid will decrease to 0.5% of taxable wages in 2026, down from 0.6% in 2025.

The changes take effect statewide at the start of the new year.

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Police say the suspect allegedly grabbed the victim, threw him to the ground, and dragged him along the roadway, resulting in injuries to the victim’s ribs, neck, knees, and face.

Following the altercation, the suspect reportedly returned to his vehicle and fled the scene northbound on Clifton Avenue before officers arrived. Emergency Medical Services responded and evaluated the victim at the scene.

The incident remains under active investigation. Anyone who witnessed the incident or has information is urged to contact Detective John Ganley at (732) 363-0200, ext. 8362.

In another recent incident, and I know the people who were involved personally. One Friday night, a father and son were crossing the street, and a car that was apparently speeding hit them both, and they went flying about THIRTY FEET INTO THE AIR! The father was banged up, but the son was in serious condition. B’chasdei Hashem they are both recovering.

Dear Pedestrians: PLEASE PUT ON A REFLECTOR! The Torah says unequivocally ” Venishmartem meod lenafshoseichem”! If it is difficult to look for one when going out, know that you will be rewarded even more for that. And of course, it is certainly a good idea to keep them near the door – such as in an umbrella stand, and for men to keep one in a pocket (during the week) and a woman, in a purse. Please take this letter very seriously, for walking at night, and for the entire year, winter and summer.

Dear drivers: If one is in a dark room, does he walk at the same pace as in a lit room? Of course not! If that is the case, then when one is driving at night, he must use extra caution, as sadly, not all pedestrians are aware enough to wear reflectors. Please be extremely cautious and drive slower than you would by day.

It takes only five seconds to put on a reflector and take it off. And once you get used to it, it becomes second nature. It is also a great chesed to wear one, in addition to safety. Make a kabala; when one makes a decision to not to step off a curb without one, it becomes very easy.

Many people have philosophical questions – such as if it is really that important, and if streets have a halacha of a makom sakana at night, as after all, injuries and fatalities are extremely rare. However, I don’t believe that is the correct viewpoint. Let us see: First, the rabbanim and poskim of our city (and others, such as Monsey) have signed to wear reflectors. Second, the danger is prevalent every night – for every person walking. Indeed, b”H accidents are few (if there were many R”l, boy would everyone wear reflectors – people would be afraid to step out of their houses!), but the danger is certainly there – for every person on every street, every night. And the chillul Hashem of not being visible to drivers is terrible.

Wearing a reflector is important even when walking just on the sidewalk, as besides for cars backing in and out of driveways, there are also bikers, and if they hit a person, it can be serious too. For bikers too, it can be hard to see walkers, as there may be lights of cars shining in their eyes. However, If the walker had a reflector, the biker would see the reflection of his headlights (which they are required to have, by law).

Strollers and walkers for elderly too, must have reflective material. And to all manufacturers: Thankfully, there are many garments and briefcases that have some reflective material. The more that can be incorporated, the better, and you may very well be saving lives.

It is also a good thing for bikers, too, to wear a reflector, as sometimes the light burns out, and in general, the more visibility, the better.

Just to end with a dvar Torah on the topic, the Chasam Sofer says a peshat in what we say at a bris that zeh hakatan gadol yihiyeh – lit. may this young one grow up [with the basic meaning being that he should live to then, but the seforim ask that there must be a deeper meaning], that just as by the Sun and Moon, originally, they were two suns, and now the moon gets its light from the sun – it doesn’t have its own light, so too,  child gets his entire light from the adults, and when he gets older, will bez”H have his own light. (Chasam Sofer al Hatorah, 5 volume set, Parshas Bereishis)

And on a similar note, the Brisker Rav would say at a bar mitzvah ‘zeh hakatan gadol yihyeh – may this young man grow great!’

p.s. We just had Chanuka, and the halacha is that Chanuka candles must specifically be a candle and not a torch. Unlike a havdala candle which must be at least two wicks, making it a torch, a Chanuka candle is supposed to have only one wick. One lesson in this, the seforim say, is that a little light pushes away much darkness (me’at ohr do’che choshech harbeh). So too, wearing a reflector and all reflective material really shows up well, of course, it’s good to have a good quality one (as the ones that are sold in stores here are), and not cheap ones, as the better ones can be seen much better from farther.

My chaver told me also that one of the senior morei horaa in Lakewood – who answers medical shailos for Hatzola – begs him every time he talks to him, to do something to encourage the wearing of reflectors more. This mora hora said he once read an article that decades ago, when a city, Pasadena CA, wanted to begin their recycling program (and being in tropical climate, they even have a third garbage can for brush), they were getting little compliance. At first, they threatened fines, but that helped little. They then began various incentive programs, and that did much. This rav said that he is the one who encouraged Hatzola to have a campaign (about twenty years ago) where members would hand a modest gift certificate to people whom they saw wearing a reflector at night. So, anyone who can make such a campaign – for their mosad, their shul or their home – or even for oneself, is a great mitzvah. Rav Ephrayim Wachsman related at the  Citifield asifa about a doctor from Brooklyn who had to pass a non-tznius billboard along his daily commute to Manhattan. He “made up with himself” that he would “give himself” a dollar for each time he remembers not to look. With time, he had quite a nice amount saved up, and he bought himself a beautiful sterling silver menorah. “Can you imagine the light of that menorah!”, said Rav Wachsman. And with reflectors you have light too!:)

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