Protecting Your Income

first_imgSubmitted by Nancy J. LaPointeYour ability to earn an income is one of your most important assets. A serious injury or an illness can prevent you from earning an income. Life, homeowners, and other types of insurance policies provide important kinds of coverage, but they will not safeguard you from financial impact if a disability prevents you from working. The stark reality is that without disability income insurance, a serious injury or illness could be financially devastating to you and your family.You may believe you’re less likely to become disabled than to die prematurely, but statistics show exactly the opposite is true. According to tables prepared by the Society of Actuaries in 1985, at any given time in your career, the chance that a long-term disability will occur is several times the likelihood of death. For example, at age 37, the odds of a long-term disability vs. death is 3.3 to 1. At age 42, the odds are 3.5 to 1, at age 47, they are 2.8 to 1, and at age 52, they are 2.2 to 1.Before you read further, please get a piece of blank paper and a writing utensil. On the paper, write the names of 20 people that know each other. Some examples are members of your family or members of a club, service, or religious organization. Once you have finished, circle the ones who have had a disability lasting 90 days or longer. My experience has shown that more than 90 percent of you will have circled at least 1 name on your lists.If you earn $50,000 per year, in 20 years you will have earned 1 million dollars. Without you in it, will your car earn you that kind of money? Will any of the other things you insured enable you to continue receiving your income? Disability income insurance, also known as disability income replacement insurance, is an important vehicle that will help replace a portion of your income in the event that you become disabled due to accident or illness.There are several types of disability insurance policies. A properly licensed agent or financial representative can explain what may be appropriate for you. These policies provide disability income insurance only.  They do NOT provide basic hospital, basic medical or major medical insurance.For information on MetLife insurance or other financial products and services, please contact Nancy J. LaPointe, Senior Financial Planner  with MetLife, 4520 Intelco Loop SE, Suite 1E, Lacey, WA 98503,  at 360-236-0312 or 360-402-3200, nlapointe1@metlife.com, www.nlapointe.com.Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered through MetLife Securities, Inc. (MSI) (member FINRA/SIPC) a Registered Investment Advisor. 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.                                                          L0212241409[exp0313][WA] Facebook0Tweet0Pin0center_img The opinions expressed in this article are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your representative, attorney, or accountant with regard to your individual situation.last_img read more

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2012 Boss of the Year Recipients Recognized By Thurston County Chamber

first_imgCongratulations to the 2012 Boss of the Year recipients and finalists as awarded by the Thurston County Chamber in partnership with Express Employment Professionals.  For more information on the awards, click here.2012 Boss of the Year RecipientsSteve Brooks, Lacey Fire District 3Jessica Jensen, Jessica Jensen Law PS Joe Ingoglia,  Boys & Girls Clubs of Thurston County2012 Boss of the Year FinalistsDani Anderson, Hometown Property ManagementAndrew Barkis, Hometown Property ManagementMichelle Benton, Washington Department of Natural ResourcesDan Jones, ThurstonTalk.comHeidi West, America’s Credit Union Facebook10Tweet0Pin0last_img

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GHR To Host Last Race Of 2013 Saturday October 5

first_imgAdditional InformationTrack: Grays Harbor RacewayLocation: 32 Elma McCleary Road, Elma, WA, 98541Track Contact: (360)-699-RACEWebsite: www.graysharborraceway.comSponsors: Budweiser, Bully Dog Performance, Cut Rate Auto Parts, Harbor Pacific Distributing, Hoosier Racing Tires, Lucky Eagle Casino and Hotel, The Contingency Connection, Lucas Oil Products, Our Community Credit Union, Pepsi, Shipwreck Beads, Whitney’s Auto Group, Elma Chamber of Commerce, Quinault Beach Resort and Casino, Grays Harbor County Fairgrounds, Adamas Reality, Olympic Eagle Distributing, Midnight Cruisers Rod Fest, PNE Corporation, Push Rods, Q-Mart, Midnight Cruisers, Fosses Hot Rods & Cool Cars, Harrington Financial, I-5 Quarter ¼ Midget Club, Jacknut Apparel, 104.7 KDUX FM, KIX 95.3 FM, RockAuto.com Submitted By Ben Deatherage for Grays Harbor RacewayPhoto Courtesy of Jim MarshallGrays Harbor Raceway has just one race left in the 2013 campaign as Saturday October 5th will be your last chance at seeing the 3/8-mile clay oval in action this year.  The venue will host the Northwest Extreme Winged Sprints, Cut Rate Auto Parts Street Stocks, and Hornets.Tickets for Saturday will be Adults $13.00, Senior (62+)/Juniors (13-18)/Military $10.00, Youths (6-12) $5.00, Youths (5 and Under) FREE, Family Pass (Two Adults and Up To Four Youths) $30.00, and Premium Seating $20.00. Pit gates open at 2:30, front gates, 4:30, and racing starting around 6:30.This event will mark the second time ever that racing has occurred at GHR in the month of October.  Last year Jesse Thistle managed to enter victory lane in the first ever Northwest Extreme Winged Sprint feature in Elma after dominating the field.  Already this year Kenny Rutz has won twice and Sammy Wright once in the same class.In the Cut Rate Auto Parts Street Stocks and Hornets their championships have been decided but nonetheless is guaranteed to produce some thrilling action.  Jason Tole backed up his 2012 title this year by capturing his third career Cut Rate Auto Parts Street Stock championship and Chad Norton also managed to score back-to-back track titles in the Hornet division.The Grays Harbor Raceway is known for its high speeds and side by side racing as well as its large track size. Hosting racing action from April to October regular classes include 360 Sprints, IMCA Modifieds, USAC Ford Focus Midgets, Street Stocks, Hornets, and for the first time the Northwest Extreme Winged Sprint Car Series. Special events include visits by the World of Outlaw Sprint Car Series and American Sprint Car Series-Northwest Region. You can keep up on all the latest activity at www.graysharborraceway.com for the most-recent news and stories or call the Northwest Information Hotline at (360)-699-RACE. Facebook0Tweet0Pin0last_img read more

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City of Olympia Reports Structure Fire on Fones Road

first_imgFacebook1Tweet0Pin0 Submitted by City of OlympiaAt 12:35 this morning, the Olympia Fire Department responded to a commercial structure fire in a large apartment complex at 1400 Fones Rd SE. 911 Dispatch received multiple calls reporting a fire from one side of a 10 unit building in the complex. Olympia Firefighters arrived 4 minutes later and found fire in the back of the building, extending up the outside wall to the attic spaces and roof. All the residents of the building had evacuated.Initial arriving crews reported heavy fire and smoke from the interior of 2 apartments, the back wall of the structure, the attic and the roof. Firefighters attacked the fire from both sides of the building while ladder companies work on the roof above the fire.  A second alarm was called for additional resources.  Fire spread throughout the attic.  The center 4 apartments of the 10 unit building received significant structural damage from the fire.  The remainder of the apartments received smoke or water damage at a minimum.  The building had fire alarms but not fire sprinklers.  Neighboring buildings in the complex, although close to the fire, were not damaged.This fire response included four Olympia Engine Companies, one Ladder Company, two Medic Units, and a Command Unit.  Lacey Fire District 3 sent one engine and a ladder truck on the initial assignment.  The second alarm brought additional units from Lacey, units from Tumwater and Fire District 6.  There were no injuries to firefighters.  One resident was treated for minor smoke inhalation and transported to the hospital.  Residents were able to evacuate multiple cats, one cat has found by firefighters and reunited with its owner, 2 other cats died in the blaze.Units remain on scene to complete overhaul and begin the fire investigation to determine the cause of the fire. Property and contents loss is estimated at over $1,000,000.  Management at the complex and the American Red Cross were working to care for the displaced residents.  The owners will work with the City of Olympia to rebuild the approximately 20 year old building.  New construction will require fire alarms and fire sprinklers.  Fire sprinklers could have significantly reduced the amount of fire damage in this event.For further information contact Olympia Fire Department 360-753-8348.last_img read more

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Thurston EDC’s Center for Business & Innovation Welcomes Eva Coblentz as…

first_imgFacebook6Tweet0Pin0Submitted by Thurston EDCThe Thurston EDC is pleased to announce that Eva Coblentz has assumed the position of Program Manager for the Washington Center for Women in Business (WCWB).Over the past two decades, Coblentz’s career has encompassed project management, community engagement, and educational services for a number of governmental entities, military affiliates, and diverse community-based care organizations. Coblentz has also worked with non-profits and private corporations nationwide and at an international level.Coblentz has a BA in Business Administration and Master’s in Public Administration.As a small business owner, she was influential in developing a small business association to assist with marketing and collaboration among small businesses in the Des Moines, WA area. She focused on building long-lasting relationships and qualitative contacts with other people.Coblentz’s community engagement involves serving on the advocacy committee of the Junior League of Olympia, and as an advisory board member on The Latino Community Fund of Washington State.“I’m excited about the opportunity in providing a vast variety of resources to empower women entrepreneurs who support one another, which in turn empowers the next generation of women”, says Eva Coblentz, Program Manager of the Washington Center for Women in Business.For more information about the Thurston EDC visit the Thurston EDC website. For more information about the WCWB visit the Washington Center for Women in Business website.last_img read more

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Sourav Ganguly gives Kohli, Pant the best advice on how to deal with ‘Dhoni’…

first_imgImage Courtesy: Reuters/BCCIAdvertisement b0s5NBA Finals | Brooklyn VsvvzuWingsuit rodeo📽Sindre Erdog( IG: @_aubreyfisher @imraino ) 1akw3Would you ever consider trying this?😱1bi6hCan your students do this? 🌚hj4nRoller skating! Powered by Firework As it seems, the supporters of Team India aren’t exactly pleased with the absence of Mahendra Singh Dhoni from the T20 squad, and unfortunately Rishabh Pant has become the target. In last month’s Bangladesh series, Pant’s errors were received with jeering ‘Dhoni’ chants across the stadiums, which got the skipper Virat Kohli worked up. However, Sourav Ganguly has a solution.Advertisement Image Courtesy: Reuters/BCCIBefore the Windies match kicked off today, Kohli came out in support of Pant, stating that mocking the 22 year old wicket keeper-batsman using the name of Mahi is disrespectful to the former captain.“I think it’s a collective responsibility for everyone around us as well to give that player some space” Kohli told earlier.Advertisement “If he misses a chance or something, you know, people can’t shout MS’ (MS Dhoni) name in the stadium, it’s not respectful if I have to put it that way, because no player would like that to happen.” the skipper added.Sourav, who is the current president of Board of Control for Cricket in India (BCCI) has given his compatriots the perfect solution to deal with the chants.Advertisement At the India Today Conclave East 2019 today, the 47 year old said: “If I were Virat Kohli, I would just let him go through it, let him hear it and find ways to succeed. Everybody must remember that you don’t get MS Dhoni’s every day. He is a once-in-a-generation cricketer.”Dhoni, who was the legendary leader and the Men in Blue’s man behind the stumps, was replaced by Pant during the selection, and the youngster from Roorkee featured in the South Africa series prior to the Bangladesh T20 series and is also starring in the ongoing West Indies series.“I think it’s good for him because he will get used to it. I personally feel pressure is something which he needs to get used to. When he played for Delhi last year, he was one of the main players. He played in front of a packed houses. Taking responsibility wasn’t an issue,” Dada added.Pant, who plays for Delhi Capitals in the Indian Premier League, only managed to score 36 runs in the Bangladesh series. Although ‘Dada’ feels its the natural way of progression, as it was in case of Dhoni himself.Sourav continued: “MS Dhoni also, when he started, was not MS Dhoni. It took him 15 years to be MS Dhoni. It will take Rishabh Pant also close to 15 years to be even close to what MS Dhoni is today.”Making his first T20 debut against England in 2017, Pant has 68 T20 caps to his name, along with 291 and 224 caps in the test and ODI format.He may have replaced him in the Indian team but Rishabh Pant has ‘good vibes only’ with MS Dhoni Advertisementlast_img read more

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Red Dress Event Brings NY Fashion To Red Bank For Heart…

first_imgThe Red Dress Event comes to Red Bank on Thursday, Feb. 23 at Buona Sera Restaurant. The event, in its fourth year, will educate and empower women to take control of their heart health.In partnership with The Heart Truth campaign, Meridian CardioVascular Network will host a cocktail party that features several dresses from the Red Dress Collection. Guests will get a close-up view of dresses created by several notable designers, hot off the runway from New York’s Fashion Week.The event features signature red cocktails; heart healthy hors d’oeuvres and music along with door prizes and giveaways. Tickets are $50, with a portion of the proceeds to benefit the Meridian Women’s Heart Connection- a program aimed at building awareness of women’s heart disease and keeping women informed and healthy. The evening will also feature stories from local women who have survived heart disease with the help of Meridian hospitals, as well as expert tips on how to decrease risk factors.To purchase tickets or for more information call 1-800-DOCTORS.To view a complete listing of events that will take place this year, or to learn more about heart health matters visit 365DaysofHeart.com.last_img read more

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Incumbents Ousted in Highlands

first_imgLocal 2015 election coverage on The Two River TimesUnexpected Results in a Historically Low Turnout YearGOP Takes Red Bank By 4 VotesIncumbents Ousted in HighlandsGOP Sweeps, Other Than Stunning Angelini and Casagrande Loss‘Quixotic’ Oceanport Mayoral Attempt SucceededLocal Election ResultsVoters Approve Liquor Sales in Little SilverVIDEO: Local Candidate DebateEvery Vote Counts (Editorial) By Muriel J. SmithTwo newcomers, running independently of each other, shocked the two incumbent council members with their upset victory Tuesday in the nonpartisan election held under the borough’s newly enacted local form of government.Carolyn Broullon was high voter-getter with 448 votes, and Claudette D’Arrigo polled 370 to wrest the two seats on council currently held by Tara K. Ryan-Killeen who polled 319, and Kevin Redmond, who polled 281. The fifth person running for the two three-year terms, former councilman William Caizza, polled 192.D’Arrigo, who is a registered Independent for other levels of voting, said that while she got into the campaign at the very last minute, replacing another potential candidate who had to decline because of personal reasons, she has spent the last months knocking on doors and hearing what residents have to say. Her conclusion, she told The Two River Times, is that “everyone has problems, and we are one town. The problems that affect people who live ‘on the hill’, a phrase she dislikes, affect everyone else in the borough just as the problems affecting “downtown, or the condos, or Waterwitch or wherever … We’re one town, the problems affect us all.”D’Arrigo has also become well known since Super Storm Sandy in national newspapers and television, in her still ongoing discussions with FEMA and other agencies who have delayed funding for the house raising she and her husband completed on Seadrift Avenue. “Other people have the same problems and we have to keep on top of it until it’s resolved and things are done,” she said, noting that both U.S. senators as well as other officials and government representatives have been helpful in her quest.Broullon, who concurred with D’Arrigo that while they did not run as a team, they share the same concerns for the borough and the same standards and plans for its future, said she was “cautiously optimistic” of a victory after going door to door, having residents invite her in “for dinner or a glass of wine … They wanted to talk and they wanted someone to listen,” she said. The door-to-door campaign was very effective she thought, since “it seems it’s been a long time since anyone has done that.”D’Arrigo, who has attended ever y council meeting except 11 for the past seven years, said residents are tired of “hearing what council is going to do, then the next month having it put off til the next month, and so on.” Her goal is set priorities, lay out plans, set deadlines, and accomplish the goals. “I heard too many times from people that they feel they’ve been forgotten.”Broullon, who is a market researcher and works from home, said switching from her New York office to a home office has enabled her to run for office and devote the time needed to serve on council. An initial goal after her Jan. 1 installation will be to make changes in code enforcement in the borough. “We have a code enforcement officer who has written 82 tickets in three years, and those were to only 46 property owners. Yet there are dilapidated, mold-infested, vacant homes throughout town and nothing’s been done. I’m happy to be able to be on council so I will be able to have a voice in correcting some serious problems that have been permitted to continue.”A registered Democrat, Broullon said communication is “a two-way street, you have to let people talk…but you also have to listen, then fight the solution through asking the right questions.”last_img read more

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Theater Review: ‘I Remember Mama’

first_imgBy Gretchen C. Van BenthuysenPhotos by T. Charles EricksonRED BANK — “I Remember Mama,” based on Kathryn Forbes’ “Mama’s Bank Account,” was adapted for the Broadway stage by John Van Druten (1944). It was turned into a movie (1948) and TV series (1950s), before returning to Broadway (1979) as a musical lasting a mere 108 performances.The play, rarely performed these days, is set in 1910 and focuses on an extended Norwegian immigrant family who settled in San Francisco and is pursuing the American dream.So what else is there to say about it, especially in the digital age?Enter the award-winning Transport Group, a not-for-profit, off-Broadway company in Manhattan that stages new works and re-imagines revivals by American writers. Its mission: to present “visually progressive productions of emotionally classic stories (that) explore the challenges of relationships and identity in modern America.”From left: Dales Soules as Papa, Alice Cannon as Aunt Jenny, Susan Lehman as Aunt Sigrid, and Barbara Andres as Mama.Well, it did that with its excellent production of “I Remember Mama.” It breathes new life into this World War II era play.First staged in a gymnasium in 2014, the production currently is on the boards here in association with Two River Theater through June 26. Both productions were insightfully directed by Jack Cummings III, co-founder and artistic director of the Transport Group.Noncommercial theaters can and should take such risks and the Two River Theater audience has shown a willingness to embrace them. This season included an all-male “A Funny Thing Happened on the Way to the Forum” and is closing with this all-female “Mama,” and neither shows were gimmicks. They both challenged audiences to look at life and art differently and both succeeded.Ten actresses, age 60 or older, play 25 characters in “Mama.” Barbara Andres (veteran of nine Broadway shows, including “Cabaret” as Fraulein Schneider) recreates her role as Mama and seems born to play the part. Mia Katigbak is superb as her eldest daughter Katrin (the writer of the original story) and a teenager here.All the other parts are handled by Alice Cannon, Lynn Cohen, Rita Gardner, Marjorie Johnson, Susan Lehman, Heather MacRae, Louise Sorel and Dale Soules. They play Mama’s husband, her two other daughters and son Nels (a role in which Marlon Brando made his Broadway debut), her three sisters, Uncle Chris and boarder Mr. Hyde, a doctor, nurses and more.The women wear casual contemporary clothing (by Kathryn Rohe) and no makeup. They are extraordinary in their ability to conjure their characters with just a change of stance, voice or attitude.The set (by Dane Laffrey) consists of 10 wooden kitchen tables, the kind where families used to spend time sitting and talking and telling stories. Each table has a theme and is covered in items such as teacups, books, glasses, silverware, writing materials, small decorative boxes. Plain white walls, a metal emergency exit door and brilliant white overhead lights (lighting by R. Lee Kennedy) resemble a gym.Although the look is contemporary, the story of families sticking together, sacrificing for each other and stretching a dollar while looking to move up in the world is one that immigrants in America — most any country for that matter — experience and hear stories about around the dinner table. Or should.For the Hanson family of Steiner Street, it’s 1910 and Mama is counting out money for the landlord, the grocer, and for one new pair of shoes. Money for school supplies also is needed, but there is not enough. So Papa says he will give up tobacco, one daughter will work after school and another will babysit to help.Aunt Trina arrives and announces, at 42, she wants to marry a local undertaker. Aunts Sigrid and Jenny arrive and are appalled at the idea. Before long, scary Uncle Chris — the head of the family, Mama says — arrives and intimidates everyone — except Mama.Lynn Cohen (original Broadway productions of “Hair,” “Grey Gardens” and “Hands on a Hard Body”) plays both Mama’s English boarder Mr. Hyde, who reads the classics to the family at night around the table, and gruff Uncle Chris, playing both to perfection.When youngest daughter Dagmar falls ill, Uncle Chris inserts himself into the situation so much the doctor bans him from entering the hospital. Later we discover Uncle Chris, unmarried and childless, is almost broke because he secretly has been paying the hospital bills for sick and deformed children.As Katrin approaches graduation, she sets her heart on a set of modern combs and brushes. Mama trades her mother’s cherished silver brooch to get it. Katrin learns of the trade and is devastated by her selfishness.Don’t be surprised if you are not teary-eyed before the end of this memoir play about one mother’s strength and sacrifices for her family. It is, after all, the hardest job in the world.WHAT: “I Remember Mama”WHERE: Two River Theater, 21 Bridge Ave., Red BankWHEN: Wednesdays through Sundays, closes June 26COST: $37 to $65, limited number of $20 tickets each performanceMORE INFO: 732-345-1400 or http://tworivertheater.org Journalist Gretchen C. Van Benthuysen’s theater news and reviews can be found on theatercues.com._______________________________________________________________This article was originally published in the June 16-23, 2016 edition of the Two River Times newspaper.last_img read more

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Suit Seeks To Halt Mad Hatter Expansion Plans

first_imgIn court filings, Walsh and Gasiorowski also objected to some board members’ behavior, specifically Mayor Dina Long and Jon Schwartz, who seemed to express support for the project in newspaper accounts and on Facebook. “The hearing was tainted by the participation of these parties,” the complaint charged.In the complaint, the municipal board, along with the Kelly Management Group, LLC, are listed as defendants in this action.Kerry Higgins, the board attorney, did not immediately return a call this week seeking comment. By John BurtonSEA BRIGHT – The battle over the rebuilding of the Mad Hatter restaurant and bar is not over.Jennifer Walsh, a borough homeowner who is also a Republican candidate for Borough Council for this November’s election, filed suit in state Superior Court, in Freehold, last week, seeking to overturn the local unified Planning and Zoning Board of Adjustment’s decision approving the expanded Mad Hatter’s rebuilding project.The complaint, filed with Superior Court on Sept. 26, alleges the board, in its actions permitting the project to rebuild the popular nightspot damaged by Super Storm Sandy to move forward, rendered “a decision that was arbitrary, capricious and unreasonable” – the legal standard Walsh’s attorney will have to prove to have a judge reverse the local board’s decision. “I think the board just simply gave absolutely no consideration to my client and people living there,” Gasiorowski said of his client’s steps to stop the project.On the other hand, over the course of six torturously long hearings before the planning/zoning board starting last November and concluding in June, Mad Hatter’s owners Scott and Amy Kelly received a large amount of support from the public in attendance. Members of the public spoke and posted on social media, equating the bar’s rebuilding as Sea Bright’s rise from the devastation the town – and so much of the Jersey Shore – incurred from Sandy in October 2012.“The Kellys can feel the support from the community and they’re so grateful for that,” said Kevin Asadi, the attorney representing the Kellys. “And they’ve vowed to stay the course until their dream comes true.”The Kellys have owned and operated the Mad Hatter, 10 East Ocean Ave., since 2006. But Sandy wrecked the site, bringing with it 6- to 8- feet of water, mud, sand and debris, rendering the structure unusable. In 2013 the couple received board approval to construct and operate an outdoor facility, but Scott Kelly acknowledged there were noise complaints.Plans for the rebuilding of the Mad Hatter.The Kellys, under their Kelly Management Group, LLC, have been awarded a low-interest $5 million loan from the state Economic Development Authority to assist in the rebuilding of a Sandy-related damaged business.The Kellys’ plans are to build a completely new three-story elevated structure that would have a restaurant; an outdoor kiosk for takeout food and retail items; and upper levels to be used for bars and outdoor decks. Scott Kelly said he plans on having live entertainment and a building-wide stereo system.There was opposition from Walsh, who, as a New Street resident lives across the street from the site. Others raised concerns of the size and scope of the project, its multiple uses, and what that would mean for parking, municipal infrastructure, noise and the residents’ quality of life. Walsh earlier this year had appealed the local board’s approval for a plan to construct a multifamily residential development where a single family home had been on New Street, in close proximity to Walsh’s home. That matter is still pending.Walsh is running with fellow Republican Brian Kelly, an incumbent, for borough council, against independent candidates Linda Lamia and Kevin Birdsall, for the two seats available for the Nov. 8 election. In court filings, Walsh and her attorney, Ron Gasiorowski, Red Bank, criticized the board’s decision, pointing to its approval given the plan’s lack of proposed parking (under the borough ordinance there would be a need for 134 spaces and six will be provided, designated for employees); its use of 100 percent of lot coverage; its lack of front yard setback; and the building’s height.last_img read more

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