2053 Woodbridge Avenue - Edison, NJ 08817

Wednesday, June 25, 2014

E434 NJ Laws Email Newsletter E434 Kenneth Vercammen, Attorney at Law January 22, 2014 1. Federal Estate Tax exemption now permanently increased so no tax for Estates under $5,340,000, and will be adjusted annually for inflation. However, New Jersey taxes estates over $675,000. 2. Gifts permitted without Federal Estate & Gift tax was increased to $14,000 per person. 3. We recommend Self- Proving Wills since witnesses often move or pass away 4. Non-formal writings could be Wills under the New Probate Law 5. Undue influence: Recent cases can void Will signed under suspicious circumstances 6. NJ Inheritance tax 7. Power of Attorney 8. Federal Health Privacy Law (HIPAA) 9. Competency required to sign a Will or Power of Attorney

NJ LAWS EMAIL NEWLETTER E434
Kenneth Vercammen, Attorney at Law

January 22, 2014

2014 update Wills and Estate Planning Seminar materials
       
1. Federal Estate Tax exemption now permanently increased so no tax for Estates under $5,340,000, and will be adjusted annually for inflation. However, New Jersey taxes estates over $675,000.

2. Gifts permitted without Federal Estate & Gift tax was increased to $14,000 per person.

3. We recommend Self- Proving Wills since witnesses often move or pass away

4. Non-formal writings could be Wills under the New Probate Law

5. Undue influence: Recent cases can void Will signed under suspicious circumstances
6. NJ Inheritance tax
7. Power of Attorney
8. Federal Health Privacy Law (HIPAA)
9. Competency required to sign a Will or Power of Attorney

1. Federal Estate Tax exemption is now permanently increased so no tax for Estates under $5,340,000, and will be adjusted annually for inflation. However, New Jersey taxes estates over $675,000.
Federal Exemption Amount for Non-Citizen Spouses is $145K up from $143K.
        New Jersey has an Estate Tax on amounts over $675,000. So, even if no Federal Estate Tax due, the estate must still file a Federal Estate Tax Return, plus NJ Estate Tax Return.
          So, for an unmarried or widowed person with assets of $1,000,000, there is No Federal Estate Taxes, but the Estimated State Estate Tax: $33,200.00   For an unmarried or widowed person with assets of $1,500,000, estimated NJ Estate Tax is over $60,000. The Federal Tax rate on estates over $5,340,000 has been increased from 35% to 40%.
          How to avoid NJ Estate Tax- hire an attorney to set up a personal residence trust or irrevocable trust and have the assets taken out of your name and put into a trust or given to children and grandchildren in the trust. Minimum fees for trust are $3,000. This is probably not something a non-attorney can do on their own. It is illegal for a non-attorney to provide legal advice or prepare most legal documents.
2. Gifts permitted without Federal Estate & Gift tax was increased to $14,000 per person.          
However, the amount permitted for Medicaid transfers is zero.  
3. We recommend Self- Proving Wills since witnesses often move or pass away
        An old New Jersey Probate law required one of the two witnesses to a Will to travel and appear in the Surrogate's office and sign an affidavit to certify they were a witness. This often created problems when the witness was deceased, moved away, or simply could not be located. Some witnesses would require a $500 fee to simply sign a surrogate paper. My Grandmother's Will was not self- proving, and the witness to Will extorted a $500 fee.
        The New Jersey Legislature later passed a law to create a type of Will called a "Self-Proving Will." In such a Will, the person for whom the Will is made must sign. Then two witnesses sign. Then the attorney or notary must sign; with certain statutory language to indicate the Will is self-proving. Beware of online documents not prepared by an attorney
           When done properly, the executor does not have to locate any witnesses. This usually saves time and money. If your Will is not "self-proving" or if you are unsure, schedule an appointment with an elder law attorney. Some law offices ignore the revised law, and fail to prepare self proving Wills. Do not use a law office that follows old methods and does not do a self-proving Will.

4. NJ SENATE Law No. 708 made a number of substantial changes to the NJ Probate Law.
     Non-formal writings could be Wills under the Revised provisions governing the administration of estates and trusts in New Jersey. So make sure you have a Formal Will drafted by an estate attorney.

     The law expanded situations where writings that are intended as Wills would be allowed, but requires that the burden of proof on the proponent would be by clear and convincing evidence. Possibly a Christmas card with handwritten notes could be presented as a Will or Codicil.
  To present a non-formal Will or writing requires an expensive Complaint and Order to Show Cause to be filed in the Superior Court, and a hearing in front of a Superior Court Judge.
  Be careful; have a Will done properly by an experienced attorney.

   Beware of the "Elective share" rights of a new spouse. Have a Prenuptial Agreement if entering into a 2nd marriage
        The elective share provisions of the present Code has still not been changed yet. Currently, the new spouse who is not given money in a Will can challenge the terms of the Will. This is called "electing against the Will by a spouse". A spouse could receive up to 1/3 of the estate, even if only married for 2 weeks. The spouse must file a Caveat or lawsuit in Superior Court. We suggest a formal prenuptial agreement in 2nd marriage situations.
           A Testator now means both male and female individuals, removing the term "Testatrix". Will forms that say executrix should not be used.
       The law provides a statute of limitations with respect to creditor claims against a decedent's estate. There is no longer a need to publish a Notice Limiting Creditors.

5. NJ Supreme Court has held a Will could be void if signed under suspicious circumstances
           When there is a confidential relationship coupled with suspicious circumstances, undue influence is presumed and the burden of proof shifts to the Will proponent to overcome the presumption.
       If there is undue influence in making of Will and transfer by Deed of a house by persons in Confidential relationship, this could subject those persons to punitive damages in some instances, plus voiding of the Will. In the Matter of the Estate of Madeleine Stockdale, Deceased 196 NJ 275 (2008)

        A grievance based upon undue influence may be sustained by showing that the beneficiary had a confidential relationship with the party who established the account. See Estate of DeFrank, ___ N.J. Super. 
Accordingly, if the challenger can prove by a preponderance of the evidence that the survivor had a confidential relationship with the donor who established the account, there is a presumption of undue influence, which the surviving donee must rebut by clear and convincing evidence.

[Estate of Ostlund v. Ostlund391 N.J. Super. 390, 401 (App. Div. 2007).]

        Although perhaps difficult to define, the concept "encompasses all relationships 'whether legal, natural or conventional in their origin, in which confidence is naturally inspired, or, in fact, reasonably exists.'" Pascale v. Pascale113 N.J. 20, 34 (1988) (internal citation omitted). "And while family ties alone may not qualify, parent-child relationships have been found to be among the most typical of confidential relationships." DeFranksupra, slip op. at 13 (citing Ostlundsupra, 391N.J. Super. at 401).
        In the context of inter vivos gifts, "a presumption of undue influence arises when the contestant proves that the donee dominated the will of the donor or when a confidential relationship exists between the donor and donee." Pascalesupra, 113 N.J. at 30 (internal citations omitted). "Where parties enjoy a relationship in which confidence is naturally inspired or reasonably exists, the person who has gained an advantage due to that confidence has the burden of proving that no undue influence was used to gain that advantage," In re Estate of Penna,322 N.J. Super. 417, 423 (App. Div. 1999), and "the donee has the burden of showing by clear and convincing evidence not only that 'no deception was practiced therein, no undue influence used, and that all was fair, open and voluntary, but that it was well understood.'" In re Estate of Mosery349 N.J. Super. 515, 522-23 (App. Div. 2002) (citing In re Dodge50 N.J. 192, 227 (1967)).

The person receiving gifts and greater benefit had a burden to show no deception was practiced and that all of the transactions were fair, open and voluntary, and that they were well understood.

        Wills should be prepared without undue influence. No one other than the person who is signing the Will should be in the room. We usually request the person who wants the Will to fill out the interview form themselves.

6. NJ Inheritance tax
      The NJ Inheritance Tax Return instructions and NJ Estate Tax Forms were revised. Don't use old forms. Even if no inheritance tax due, a Tax Waiver on a house must still be obtained and filed if the house was not co-owned by the spouse.

7. Power of Attorney -Do not use a form purchased online. A Power of Attorney should contain reference to the NJ statute requiring banks to honor the Power of Attorney. Section 2 of P.L. 1991, c. 95 (c. 46:2B-11).

8. Federal Health Privacy Law (HIPAA) Have a New Living Will Signed.
        The federal regulation known as the Health Insurance Portability and Accountability Act (HIPAA) was adopted regarding disclosure of individually identifiable health information. This necessitated the addition of a special release and consent authority to all healthcare providers before medical information will be released to agents and interested persons of the patients.    
       The effects of HIPAA are far reaching, and can render previously executed estate planning documents useless, without properly executed amendments, specifically addressing these issues.
       Any previously executed Powers of Attorney, Living Wills, Revocable Living Trusts, and certainly all Medical Directives now require HIPAA amendments.  
        Powers of attorneys and Living Wills should be updated to reference this new law. More information on the HIPAA law athttp://www.njlaws.com/hipaa.htm
        After you sign the Living Will in your attorney's office, provide a copy to your doctor and family.

9. Competency required to sign a Will or Power of Attorney
        My law office cannot prepare a Power of Attorney, Will or any other legal document unless a person is mentally competent. If someone is unable to come into our office, we require the client or client's family to have the treating Doctor sign the "Doctor Certification of Patient Capacity to Sign Legal Documents" It is the client or client's family's responsibility to contact the doctor, obtain the signed Certification at the clients' expense, and then provide the law office with the original signed Certification. The law office cannot accept phone calls stating someone is competent. Therefore, it is wise do have your documents drafted while you can drive and are healthy.


More information on Wills and Probate at

Tuesday, June 24, 2014

E444 1. Wills and Estate Planning- Free Seminar; Wednesday June 18; 12:15-1:00 PM and also 5:00-5:45 2. Annual Happy Hour & Networking Social; Friday, July 18, 2014; 5:00PM to 7:00PM; at Bar Anticipation Recent cases: 3. Alcotest Results Admissible Despite Failure of State To Produce Machine's Data 4. DWI dismissed where state misplaced file for 16 months 5. Fun Upcoming Running Races Charity Events

NJ LAWS EMAIL NEWSLETTER E444
Kenneth Vercammen, Attorney at Law

June 12, 2014

In this issue:
1. Wills and Estate Planning- Free Seminar; Wednesday June 18; 12:15-1:00 PM and also 5:00-5:45 

2. Annual Happy Hour & Networking Social; Friday, July 18, 2014; 5:00PM to 7:00PM; at Bar Anticipation
 Recent cases: 


4. DWI dismissed where state misplaced file for 16 months
 
5. Fun Upcoming Running Races Charity Events
 
1. Wills and Estate Planning- Free Seminar; Wednesday June 18; 12:15-1:00 PM and also 5:00-5:45 

Location: Law Office of Kenneth Vercammen, 
2053 Woodbridge Ave, Edison, NJ 08817
  
COST: Free if you pre-register. This program was sold out in January. This program is limited to 15 people. Complimentary materials provided at 12:00 sharp. Please bring a canned food donation, which will be given to the St. James Food Bank located on Woodbridge Avenue in Edison, NJ. Please email us if you plan on attending or if you would like us to email the materials.
  
SPEAKER: Kenneth Vercammen, Esq.
  
                 (Author- Answers to Questions About Probate)
  
The NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey.
   Main Topics:
1. The New Probate Law and preparation of Wills                
2. 2014 changes in Federal Estate and Gift Tax exemption
3. NJ Inheritance tax & NJ Estate Tax for estates over $675,000
4. Power of Attorney                       
5.  Living Will                                           
6.  Administering the Estate/ Probate/Surrogate               
7.  Question and Answer                   
       COMPLIMENTARY MATERIAL: Brochures on Wills, "Answers to Questions about Probate" and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.
     To attend  email VercammenLaw@Njlaws.com

2. Annual Happy Hour & Networking Social; Friday, July 18, 2014; 5:00PM - 7:00PM at Bar Anticipation
703 16th Avenue
Lake Como/ Belmar, NJ 07719
      
    Free !
5-7PM Hot & Cold Buffet
The reduced price Happy Hour is 6-7PM with $1 House Drink, Bud/BudLt draft & House Wine Special
   Please bring a canned food donation for the St. James Food Bank Hands of Hope, continuing providing food and help to individuals in need.
      Email Ken Vercammen's Law Office so we can put your name on the VIP list for wristbands.     VercammenLaw@Njlaws.com
  
     Co-sponsored by Co-sponsored by NJ State Bar Association Municipal Court Section, Criminal Law Sections, Young Lawyers Division, Family Law Section, Insurance Law Section, Minorities in the Profession Section,Construction Law Section, LGBT Lesbian Gay Bi Rights Section, Entertainment, Arts and Sports Law Section, Special Civil Part Committee, School Law Special Committee, Special Committee for Paralegal, Insurance Defense Special Committee, Government and Public Sector Lawyers Special Committee, Antitrust Law Special Committee, Renewable Energy, Cleantech and Climate Change Special Committee, New Jersey Defense Association, Burlington County Bar Association, Middlesex County Estate Planning Council, Local 9 Retired Police & Fire, NJAWBO (NJ Association of Women Business Owner's) Shore Region

Recent cases:


      The Law Division suppressed the evidence of the results of defendant's Alcotest breath examination. The Appellate Division reversed. .Although DWI defendants have the right to obtain all data about the Alcotest machines used to test them, the state's failure to provide the data due to a technical glitch is not cause to suppress machine readings, a New Jersey appeals court says. The loss of data caused by the failure of a machine's motherboard did not amount to a denial of due process, since there was no showing of bad faith by the state and the lost data was only potentially useful. Source Daily Briefing - 03/17/2014

 4. DWI dismissed where state misplaced file for 16 months
  
      State v. Downs, App. Div. A-1688-12T4 Defendant appeals the Law Division order affirming the municipal court's denial of his motion to dismiss outstanding charges on speedy trial grounds. Defendant entered a conditional plea to driving while intoxicated (DWI), reserving his right to pursue this appeal. Defendant actively attempted to bring this matter to an end. He requested discovery around the time the indictable charge against him was dismissed, to no avail. Despite his best efforts to obtain discovery, he was put off and shuttled between the Hamilton Township Police Department (HTPD) and the Mercer County Prosecutor's Office. Because the file could not be located, however, discovery was not provided until some sixteen months later. The Supreme Court decided State v. Cahill after the Law Division's decision in this case. In Cahill, the Supreme Court noted that "[once a defendant asserts a violation of his right to a speedy trial, the government is required to identify the reason for the delay. Misplacing a DWI file is not an adequate reason for a sixteen-month delay. The appellate panel reverses the finding of the Law Division judge and dismisses the matter. Source New Jersey Law Journal February 21, 2014

5. Fun Upcoming Running Races Charity Events
         If you are attending any of these charity races, please call or email Ken V. Often we car pool or meet at these events.

June 14/ 2014 George Sheehan 5k, 8:30 Red Bank jsrc.org - benefiting Parker Family Clinic  www.sheehanclassic.org  

June 15 Fuce 5K 8:30 Metuchen HS no awards but good cause

6/16 PRESIDENT'S CUP NIGHT RACE 5K, 8pm, Charlie Browns, Millburn Free beer, big post race partyhttp://register.compuscore.com/presidents-cup/

6/20 Swim Shark River Belmar 6:30 w Sandy Hookers Triathlon Club

6/21 Rumson Hash's 10 mile, 10 bar- Long Branch to Belmar This is not a race. 

6/22  Yankees Old Timers day

6/23 Swim Shark River Belmar 6:30 w Sandy Hookers Triathlon Club

Tuesday, June 03, 2014

E443: 1. NJ can suspend NJ driving privilege for NY DWI if NJ was person's home state at time of arrest. 2. Interlock needs to be imposed after refusal despite that the DWI warnings did not mention interlock 3. Next Community Events 4. Welcome Summer Law Students 5. If You are Hurt in an Accident, We Can Help

NJ LAWS EMAIL NEWSLETTER E443
Kenneth Vercammen, Attorney at Law

May 28, 2014


1. NJ can suspend NJ driving privilege for NY DWI if NJ was person's home state at time of arrest. DiPopolo v NJ Motor Vehicle CommissionUnreported App. Div. DOCKET NO. A-2805-12T2 Decided February 3, 2014 
2. Interlock needs to be imposed after refusal despite that the DWI warnings did not mention interlock. State v. McGrathUnreported App. Div Docket A-2929-12T4
3. Next Community Events 
4. Welcome Summer Law Students 
5. If You are Hurt in an Accident, We Can Help

1. NJ can suspend NJ driving privilege for NY DWI if NJ was person's home state at time of arrest     
      Appellant appeals from the final decision of respondent New Jersey Motor Vehicle Commission (MVC) to deny his request for a hearing and suspend his New Jersey driver's license for 3650 days pursuant to the Interstate Driver License Compact (the Compact), based on his out-of-state (New York) conviction of driving while intoxicated (DWI). Appellant raises an issue of law with respect to the proper interpretation and application of N.J.S.A. 39:5D-4, contending that he was not subject to suspension of his New Jersey driver's license pursuant to the Compact because New Jersey was not his "home State" at the time of conviction. It is the driver's status as a New Jersey licensee, not resident, that governs the MVC's authority to suspend a driver's license pursuant to N.J.S.A. 39:5-30(a). Here, New Jersey issued the driver's license appellant held at the time of the offense and had the power at that time to suspend or revoke it. Thus, New Jersey fits within the Compact's definition of a "home State." The appellate panel holds that the surrender of a New Jersey driver's license after committing an out-of-state DWI offense but before conviction does not deprive New Jersey of its home-State status under the Compact. It is the driver's status as a New Jersey licensee at the time of the offense, not the time of conviction that governs the MVC's authority to suspend a driver's license pursuant to the Compact. There is sufficient credible evidence in the record as a whole supporting the MVC's decision to suspend appellant's New Jersey driver's license for 3650 days. No evidentiary hearing was required.
Source  NJ Law Journal Daily Briefing - 02/04/2014. a member benefit of the NJ State Bar Association. To join the NJSBA, go to www.njsba.com or contact NJSBA Member Services at 732-249-5000. For full text of opinions, contact NJ Law Journal
  
 2. Interlock needs to be imposed after refusal despite that the DWI warnings did not mention interlock. State v. McGrathUnreportedApp. Div Docket A-2929-12T4
        After a trial de novo in the Law Division, defendant appeals from his conviction for refusing to submit to a chemical breath test. Defendant argues the conviction should be reversed because the officer read the April 2004 version of the standard statement under N.J.S.A. 39:4-50.2(e), which omitted mention that, if convicted, the court would be required to order installation of an ignition interlock device. The municipal court found defendant guilty of refusal, but found him not guilty of DUI. As a third or subsequent offender, the court suspended defendant's driving privileges for ten years; required that he attend the Intoxicated Driver Resource Center for forty-eight hours; ordered installation of the ignition interlock until one year after restoration of driving privileges; and imposed monetary fines and penalties. The Law Division judge found defendant guilty anew and re-imposed the sentence of the municipal court, except the court did not require an ignition interlock, because defendant was not noticed of any interlock device when the statement was read. The appellate panel affirms based on the Supreme Court's subsequent decision in State v. O'Driscoll. The panel concludes that the omission of the ignition interlock requirement in the 2004 statement was not material in this case where defendant would not have likely felt more impelled to give a breath sample if the standard statement read had advised him that, if convicted, he would be required to install an ignition interlock. The panel remands for correction of the sentence to require the ignition interlock. Source  NJ Law Journal Daily Briefing 2/24/14 

3. Next Community Events

Wills and Estate Planning- Free Seminar
Wednesday June 18
12:15-1:00 PM and also
5:00-5:45 PM
     Location: Law Office of Kenneth Vercammen, 2053 Woodbridge Ave, Edison, NJ 08817
        COST: Free if you pre-register.Complimentary materials provided at 12:00 sharp. This program is limited to 15 people. Please bring a canned food donation, which will be given to the St. James Food Bank located on Woodbridge Avenue in Edison, NJ. Please email us if you plan on attending or if you would like us to email the materials.
SPEAKER: Kenneth Vercammen, Esq.
                (Author- Answers to Questions About Probate)
The NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey.
Main Topics:
1. The New Probate Law and preparation of Wills                
2. 2014 changes in Federal Estate and Gift Tax exemption
3. NJ Inheritance tax $675,000
4. Power of Attorney                       
5. Living Will                                           
6. Administering the Estate/ Probate/Surrogate               
7. Question and Answer                  
      COMPLIMENTARY MATERIAL: Brochures on Wills, "Answers to Questions about Probate" and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.
     To attend email VercammenLaw@Njlaws.com

4. Welcome Summer Law Students 
      Kenneth Vercammen and Associates welcomes the following summer law students who are workings on Public Defender matters, community seminars, and are updating the Public Defender's Criminal Article Blog:

Jillian Spielman, going into her third year at New York Law School
Joseph Son, going into his second year at New England Law School
Latchmi Michele Budhram, going into her third year at New England Law       School
Andrew J. McCarten, going into his second year at University of Miami Law     School
Conor Hennessey going into his second year at Rutgers- Newark School of       Law

5. If You Are Hurt In An Accident, We Can Help

         If you are hurt in a car, slip and fall or other type of accident, please call us. We are dedicated to providing the highest quality of legal representation to accident victims. We represent accident victims only - Not insurance companies. We Will fight for your rights and try to resolve your claim as fast as possible, with the goal being to obtain the maximum compensation for you. We offer a free, no-obligation consultation

E442: 1. Defendant has the right to present expert to prove their defense 2. Community Events and Next Charity Runs 3. Real Estate- Time to Prepare your home for sale 4. Join the Edison Community Pool Now

NJ LAWS EMAIL NEWSLETTER E442
Kenneth Vercammen, Attorney at Law

May 20, 2014


1. Defendant has the right to present expert to prove their defense
2.Community Events and Next Charity Runs
3. Real Estate Sales- Time to Prepare your Home for Sale 
4. Join the Edison Community Pool Now

1. Defendant has the right to present expert to prove their defense State v Granskie 433 NJ 46 (App. Div. 2013)      
     The Court held that defendant had the right to present expert testimony concerning his heroin addiction and withdrawal symptoms and the potential impact of his physical and psychological condition on the reliability of his confession. The expert may explain how heroin withdrawal could have affected the defendant during the police interrogation, but may not opine that the defendant's confession was unreliable or was false, because such testimony would usurp the jury's role. While the expert may rely in part on hearsay to explain his opinions, N.J.R.E. 703, there must be some legally competent evidence that defendant was in fact suffering from withdrawal at the time he made the confession.
In evaluating a proffer of expert testimony, the court must apply the provisions of N.J.R.E. 702.
     [The rule sets forth three basic requirements for the admission of expert testimony: "'(1) the intended testimony must concern a subject matter that is beyond the ken of the average juror; (2) the field testified to must be at a state of the art that an expert's testimony could be sufficiently reliable; and (3) the witness must have sufficient expertise to offer the intended testimony.'"
     Those requirements are construed "liberally" in favor of admitting expert testimony.

2.  Community News and Next Charity Runs
   Congratulations Brendan Vercammen, graduated from University of Miami on May 9. He is planning on applying to Dental School.

New YouTube videos
Durable Power of Attorney-Reasons to have a Power of Attorney in NJ

 
3. Real Estate Sales- Time to Prepare your Home for Sale
    To better serve our Probate and Senior citizen clients, Kenneth Vercammen had taken and passed the NJ Real Estate Salesperson test. The examination consists of numerous questions taken over a 4-hour period after taking numerous classes.  Mr. Vercammen is now also a licensed real estate agent. Even if we cannot handle the closing, we can refer you to realtors or attorneys experienced in real estate purchases or sales.

4. Join the Edison Community Pool Now!
      
     The Metuchen Branch YMCA and the Edison Elks are once again pleased to co-sponsor the Edison Community Pool, located on Old Post Road in Edison. They look forward to serving the South Edison Community and surrounding areas this summer.
      The newly renovated Edison Community Pool located on Old Post Road in South Edison is surrounded by a wooded picnic area. The facility boasts a 25-yard, 4-lane pool, water slide and a kiddie pool for youngsters.
        Bathrooms with showers and a snack area with vending machines are conveniently located around the pool area. A sand-filled volleyball court, basketball courts and playground make this swim club a place for family fun.

Edison Pool Dates and Hours of Operation:
     The Pool opens on weekends only from Memorial Day through June 15- Hours Sat. 11am-8pm and Sun.12-8pm
    The pool will be open fro the summer starting June 15 through Labor Day. Also available this year swim lessons for children ages 4-6 and 7-8.

or call for info 732-548-2044