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H.S. girls basketball: Cresskill defeats New Milford, 50-32


NEW MILFORD - Cresskill broke open a close game in the second quarter and went on to a 50-32 victory over New Milford Feb. 27. For the Cougars, who have had trouble scoring lately, it marked the second game in a row that they scored 50 or more points.

Bergen County Schools Present 'A Growing Epidemic: Teen Substance Abuse' March 3


Three schools in Bergen County and working together to present “A Growing Epidemic: Teen Substance Abuse” on Tuesday, March 3 at 7 p.m. The event, which is presented by the Middle School Committee of the Cresskill Middle/High School Home and Social ...

Police Issue Gold Alert For Missing Delaware Man


The 60-year-old Englewood resident, who has family medicine offices in Cresskill and Li...
NEWARK, N.J. (AP) -- A northern New Jersey doctor stands accused of fraudulently billing Medicare, Medicaid and private health care insurance companies for hundreds ...

New Jersey Doctor Accused of Health Insurance Fraud


A northern New Jersey doctor stands accused of fraudulently billing Medicare ...
The 60-year-old Englewood resident, who has family medicine offices in Cresskill and Little Falls, faces one count of health care fraud and 35 counts of making false ...

Doctor accused of fraudulently billing health insurers


NEWARK, N.J. (AP) - A northern New Jersey doctor stands accused of fraudulently billing ...
The 60-year-old Englewood resident, who has family medicine offices in Cresskill and Little Falls, faces one count of health care fraud and 35 counts of making ...

Cresskill fire chief saves 4-year-old boy who collapsed at soccer practice, reports say


CRESSKILL-- The borough volunteer fire chief, who is also a pre-K soccer coach, saved a 4-year-old boy who collapsed during practice this week, according to reports. Chris Ulshoefer, told NBC New York the boy fell at the Bryan Elementary School gym ...

District 8 wrestling: Demarest's Anthony Rubinetti registers 100th career pin


The announcement was of course for his senior standout Anthony Rubinetti, who picked up his 100th career pin Friday night at the District 8 Tournament at River Dell High School with a first-period fall against Wyatt Ross of Cresskill. The 120-pounder ...

New Jersey Fire Chief Helps Save 4-Year-Old Boy Who Collapses During Soccer Practice


A New Jersey fire chief and pre-K recreational soccer team coach helped save a 4-year-old boy who collapsed on the floor during practice Wednesday. Coach Chris Ulshoefer, who is the fire chief in Bergen County's Cresskill, was at the opposite end of the ...

Rocco the Hockey-Playing Jew Meets Sugar Land, Texas


“I gotta do something,” Rocco knows. A few weeks before his departure for Texas, I sat beside Rocco inside his Cresskill, New Jersey, home, eating his mother’s matzo ball soup. Rocco, who’s listed at 6 foot 2 and 195 pounds, had on his favorite New ...

Giants of Generosity to Welcome CHOPPED JR. Contestant Eitan Bernath to Celebrity Food & Wine Show, 3/22


A Grand Tasting exhibitor event featuring sample plates from many of New Jersey's finest restaurants and tastings ...
Jane Chagaris Albanese in 2007, is a registered 501(C)3 organization based in Cresskill, N.J.; its mission is to provide emergency-relief ...

Woodcliff Lake, New Jersey


Woodcliff Lake is a borough in Bergen County, New Jersey, United States. As of the 2010 Census, the borough's population was 5,730, reflecting a decline of 15 (-0.3%) from the 5,745 counted in the 200…

Westwood, New Jersey


Westwood (known as "The Hub of the Pascack Valley") is a borough in Bergen County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 10,908, reflecting a dec…

Waldwick, New Jersey


Waldwick is a borough in Bergen County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 9,625, reflecting an increase of 3 (+0.0%) from the 9,622 counted i…

Upper Saddle River, New Jersey


Upper Saddle River is a borough in Bergen County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 8,208, reflecting an increase of 467 (+6.0%) from the 7,7…

Tenafly, New Jersey


Tenafly /ˈtÉ 55;nÉ™fla&Eac ute;ª/ is a borough in Bergen County, New Jersey, United States. As of the 2010 census, the borough's population was 14,488, reflecting an increase of 682 (+4.9%) from the 13,806 coun…

Bibliograpghy/List of Refrences


List of Refrences   SCRIPT Devereux, E. Dilane, A. Power, M (2011) Morrisset Fandom, Representations and Identities. Bristol: Intellect Gorman, P. (2006) The Look: Adventures in Rock and Pop Fashi…

PRESS RELEASE: Bergen County, New Jersey Doctor Albert Ades Charged with Fraudulently Billing for Office Visits That Were Never Rendered


U.S. Attorney’s Office February 23, 2015 District of New Jersey (973) 645-2888 Bergen County, New Jersey Doctor Charged with Fraudulently Billing for Office Visits That Were Never Rendered Altered Pat…

Cresskill, New Jersey


Cresskill is a borough in Bergen County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 8,573, reflecting an increase of 827 (+10.7%) from the 7,746 count…

Adult Phone Chat Lines in New Jersey


Livelinks – Chat Lines Flirt, chat and date! Talk to sexy real singles in your area. Call now! (877) 871-3547 phone chat lines in houston texas phone chat lines free phone chat lines san antonio…

Comparing sale prices at the H Marts in Englewood and Little Ferry


I picked up more than 2 pounds of mustard greens, above, and a Kabocha squash, both on sale for 88 cents a pound, at the H Mart in Englewood, but the same store was selling a 15-pound bag of Kokuho Ye…




SPECIAL INFORMATION FOR CRESSKILL

People help people. Gods do not help people

HealthDay news image Organ transplants have saved more than two million years of life in the United States over a period of 25 years, new research shows.But fewer than half the people who needed a transplant in this period they received, according to a report in the online edition of the January 28 issue of the journalSurgery JAMA ."The critical shortage of donors continues to affect this field. Just 47.9 percent of patients on the waiting list during the 25 years of the study underwent a transplant. The need is increasing, and therefore the Organ donation should increase, "wrote Dr. Abbas Rana, Baylor College of Medicine in Houston, and colleagues. The researchers analyzed the medical records of more than 530,000 people receiving organ transplants between 1987 and 2012, and nearly 580,000 people who signed up for the waiting list but never received a transplant. In that period, transplants saved 2.2 million life years, with an average of just over four years saved for each person who received a transplant from a living body, the study authors noted in a news release from the journal . The number of years saved by type of organ transplant life were: kidney, 1.3 million years; liver, more than 460,000; heart, almost 270,000; lung, about 65,000: pancreas and kidney, nearly 80,000; pancreas, just under 15,000, and intestines, around 4,500. One expert noted the relevance of the findings. "This study highlights the importance of organ donation, and shows that solid organ transplants save lives. One organ donor can have an impact on up to 50 lives," said Dr. Kareem Abu-Elmagd, director of the Center for transplant at the Cleveland Clinic in Ohio. "The field of transplantation continues to seek ways to save more lives," said Abu-Elmagd. "For example, the program of ex vivo perfusion of organs of the Cleveland Clinic has been studying perfusion technology to better preserve organs donated." Powered by infusion, a machine pumps oxygen and nutrients to the donated enriched to prevent damage or deterioration of the body prior to transplant into a patient waiting, according to the Cleveland Clinic organ solution. Baylor researchers suggested a direct solution. "We call for greater support of transplantation and solid organ donation, valuable efforts have an impressive record of achievements and tremendous potential to do even more good for humanity in the future," concluded the authors. HealthDay, translated by HispaniCare

SOURCES: Kareem Abu-Elmagd, MD, Ph.D., director, Cleveland Clinic´s Transplant Center, Ohio; JAMA Surgery , news release, Jan. 28, 2015

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Avoiding Foreclosure in CRESSKILL NEW JERSEY

The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you.

Please read FHA's brochure, "Save Your Home:  Tips to Avoid Foreclosure," also published in   Spanish,  Chinese and  Vietnamese.

Making Home Affordable

The Making Home Affordable © (MHA) Program is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today's homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth. Please read the following program summaries to determine which program options may be best suited for your particular circumstances.

Modify or Refinance Your Loan for Lower Payments

  • Home Affordable Modification Program (HAMP): HAMP lowers your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income to make your payments more affordable. The typical HAMP modification results in a 40 percent drop in a monthly mortgage payment. Eighteen percent of HAMP homeowners reduce their payments by $1,000 or more. Click Here for more information.
  • Principal Reduction Alternative (PRA): PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Second Lien Modification Program (2MP): If your first mortgage was permanently modified under HAMP SM and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage under 2MP. Likewise, If you have a home equity loan, HELOC, or some other second lien that is making it difficult for you to keep up with your mortgage payments, learn more about this MHA program. Click Here for more information.
  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.

“Underwater” Mortgages

In today's housing market, many homeowners have experienced a decrease in their home's value. Learn about these MHA programs to address this concern for homeowners.

  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.
  • Principal Reduction Alternative: PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Treasury/FHA Second Lien Program (FHA2LP): If you have a second mortgage and the mortgage servicer of your first mortgage agrees to participate in FHA Short Refinance, you may qualify to have your second mortgage on the same home reduced or eliminated through FHA2LP. If the servicer of your second mortgage agrees to participate, the total amount of your mortgage debt after the refinance cannot exceed 115% of your home’s current value. Click Here for more information.

 Assistance for Unemployed Homeowners

  • Home Affordable Unemployment Program (UP): If you are having a tough time making your mortgage payments because you are unemployed, you may be eligible for UP. UP provides a temporary reduction or suspension of mortgage payments for at least twelve months while you seek re-employment. Click Here for more information.
  • Emergency Homeowners’ Loan Program (EHLP):  Click Here for more information about EHLP assistance provided in your state.
  • FHA Special Forbearance: If you are having difficulty making mortgage payments because you are unemployed and have no other sources of income, you may be eligible for FHA's Special Forbearance.  FHA now requires servicers to extend the forbearance period, by offering a reduced or suspended mortgage payment for up to twelve months, for FHA borrowers who qualify for the program. Click Here for more information.

Managed Exit for Borrowers

  • Home Affordable Foreclosure Alternatives (HAFA): If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA SM. Click Here for more information.
  • “Redemption”is a period after your home has already been sold at a foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process.

Contact Your Lender

If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer directly to inquire about foreclosure prevention options that are available. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, there are organizations that can help by contacting lenders and servicers on your behalf. 

 

Assistance for FHA-Insured Homeowners

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its  National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers facing financial hardship or unemployment and whose mortgage is either in default or at risk of default.

  • Click Here to log onto the NSC Loss Mitigation Programs home page.
  • Click Here for answers to Frequently Asked Questions about FHA’s loss mitigation programs.

Contact FHA

FHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including:

  • Call the National Servicing Center at (877) 622-8525
  • Call the FHA Outreach Center at 1-800-CALL FHA (800-225-5342)
  • Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (800) 877-8339.
  • Email the FHA Resource Center
  • The Online FHA Resource Center

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Giving Every Young Person in CRESSKILL NEW JERSEY a Path to Reach Their Potential

Our nation’s most basic duty is to ensure that every child has the chance to fulfill his or her potential. This isn’t the responsibility of one individual or one neighborhood: it’s up to all of us to pave these paths of opportunity so that young people — regardless of where they grow up — can get ahead in life and achieve their dreams.

That’s why My Brother’s Keeper (MBK) is such an important initiative. Launched by President Obama last year, MBK brings communities together to ensure that all youth — including boys and young men of color — can overcome barriers to success and improve their lives. I got to see this work up close during a recent trip to Oakland, California. I joined Mayor Libby Schaaf, City Council President Lynette McElhaney, and other stakeholders for a conversation about efforts that are making a difference in the lives of local youth.

One of the participants was a teenager named Edwin Manzano. The son of a hard-working single parent, Edwin found encouragement and support at the East Oakland Youth Development Center (EOYDC). Thanks in part to the academic and mentoring services offered by the EOYDC, Edwin will become the first member of his family to attend college when he begins his studies this fall at San Francisco State University.

Edwin is grateful for the opportunities that EOYDC afforded him. “Everyone needs a support system,” he says. That’s true whether you are a teenager or HUD Secretary. I was lucky when I was growing up on the West Side of San Antonio. Although it was a modest community in terms of resources, it was rich with folks who took an interest in my future. I had family members, teachers — and even policymakers — who paved a path that allowed me and other young people like me to succeed.

Unfortunately, not every child is as fortunate. That’s why My Brother’s Keeper is so close to my heart. The future of every young person in America should be determined by their heart, their mind and their work ethic. It should never be determined by their zip code.

In Oakland, I talked with 17 young people who have big hopes and aspirations for the future. It’s in our nation’s interest to help them achieve their goals. And we’re committed to doing our part at HUD.

For example, we’ve introduced a Jobs-Plus pilot program that will provide public housing residents in eight cities with intensive employment training, rent incentives and community building focused on work and economic self-sufficiency.

We’re also working on a broadband initiative to ensure that students living in HUD-assisted households will benefit from the life-changing opportunities available through high-speed internet. This project will provide the access to online resources that young people need to succeed in the 21st century global economy.

On the housing front, we expect the recent expansion of our Rental Assistance Demonstration (RAD) initiative to aid HUD-assisted properties in raising billions of dollars in private sector investment — funding that will be used to secure our nation’s affordable housing future. And recently, our Federal Housing Administration lowered its Mortgage Insurance Premiums to make homeownership more affordable for responsible families, helping them put down roots and build wealth for the future.

But I know HUD alone won’t solve the issues facing America’s youth. These challenges require our Department to maintain longstanding, effective partnerships with other federal agencies and key stakeholders. Most importantly, President Obama understands that My Brother’s Keeper will only succeed if local leaders take his call to action into their own hands.

Folks in Oakland are stepping up to answer this call. During the Community Conversation, I spoke with leaders from Oakland’s nonprofits, philanthropic institutions, and faith-based organizations that are putting our young people on the path to success. Groups like the East Oakland Youth Development Center, the East Bay Foundation, and the Allen Temple Baptist Church are using promising and proven approaches to make a real difference in their communities.

This kind of work is happening all across the nation and will benefit generations of Americans. We’ve got to keep it going by continuing to support our young people. When they succeed, our nation grows stronger, and our future becomes brighter. And by giving everyone an opportunity to reach their goals, we can ensure that the 21st century is another American century.

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