Contributing Authors

Vivian Gaspar

Vivian Gaspar is an author, keynote speaker, entrepreneur, and independent business owner of several businesses over the last 25 years. Ms. Gaspar is dedicated to helping her clients survive critical financial times and achieve success.
As the Chief Mortgage Modification Specialist with V. James Castiglia’s legal office in New Jersey, she reached out to and worked with over 300 families to help them keep their homes from foreclosure. Ms. Gaspar has been feature interviewed over 50 radio segments throughout the United States. Ms. Gaspar has also been interviewed for New Jersey’s largest newspaper, The Star Ledger as well as quoted in the Miami Herold. Ms. Gaspar has given over a hundred key note address on mortgage modification, foreclosure mediation as well as on identity theft prevention at a variety of venues. Some of these venues included: The Learning Annex, Department of Labor, various township adult education classes, local libraries and numerous civic organizations such as Lions and Rotary clubs.
Ms. Gaspar currently assists businesses owners in attaining critical capital and merchant services as a representative of Senape Capital. Senape Capital provides access to emergency and small business funding and merchant services. Ms. Gaspar also provides affordable access to legal services through Legal Shield, a legal services vendor, as well as identity theft protection and restoration. Ms. Gaspar has a wealth of knowledge on managing personal and professional crises from her years of working with individuals and businesses in crisis. Her passion is to share her deep knowledge of navigating crises with the general public through frequent network television and radio appearances in which she speaks on a variety of topics, from entrepreneurship to identity theft. Her recent books, “Stop My Crisis- Facing Life’s Challenges Head On” and “Stop My Crisis- Be the 1 in 5” are part of her latest effort to empower people with the diverse information that they need to move past their current crisis into prosperity and successfully follow their dreams.

Harry Herbst

Harry Herbst and Associates
Insurance &Financial Planning
Mr. Herbst is a licensed insurance agent who started in 1975. Mr. Herbst started his own Insurance Agency in 2002 working with small business owners in small employee benefits arena. Mr. Herbst is a member of the National Association of Insurance agents and Financial Advisors NAIFA. Mr. Herbst is also a member of the National Association of Health Underwriter NAHU. Mr. Herbst has a membership to the Million Dollar Round Table MDRT. Senior Vice Commander of the Jewish War Veterans and a Trustee of Freehold Jewish Center. Active in the various Networking Associations and Chambers of Commerce. Mr. Herbst has a BA from the City University of New York. Mr. Herbst has a MA from the New School for Social Research. Mr. Herbst is a US Navy Veteran.
708 Ginesi Drive
Suite 206
Morganville, NJ 07751
(732) 536-5200
(732) 536-5201 (Fax)
1-888-786-5201 (toll free)

Joanne Lucas

Joanne Lucas manager of staffing, Winston Staffing Rutherford NJ.
I have been a recruiter for over 25 years. I started even befor fax machines were even a figment of someone's imagination and now wouldn't think of working without the internet!
I am on advisory boards of post high school educational facilities where I help place their students as well as help prepare them for interviews and the work place. I have helped interview students who are applying for scholarships and worked to recommend the winners. I enjoy helping employers hire candidates with "lights on and somebody home" and helping candidates take the next step in their careers. We help determine the socal and educational life of the people we work with as well as help our clients grow in their business. I specialize in Education and Real Estate, but also work with opportunies in the Administrative areas. I am married for 7 years to John DeSilva, and have a daughter Suzie, in Chandler, Arizona. She is and is a teacher on the Gila Indian Reservation teaching elementary students to love music. Joanne Lucas Manager of Staffing
301 Route 17 North
Rutherford, NJ 07070
201-460-9200 ex 204

Camille Re

Camille Re was a Hairdresser for 10 years and then retired to stay home with her children. She is Married and has 4 children, 3 girls and 1 boy. Two girls suffer from Junior Rheumatoid Arthritis and her son is diagnosed with Autism. As a mother it was hard to hold a job when you have children with special needs. Doctor appointments and therapies to hospitals and just days that you need to just take a break from all the running can certainly interfere with a full or part time work schedule for a boss. This is why Camille found herself looking for a home based business. This allows her to have the time freedom to take care of her work and her family. She is her own boss and she makes her own hours. Camille is an Independent Distributor of an Internet Marketing Company called Market America Inc. Here title: Certified nutraMetrix Consultant.Implementing a wellness program through advanced supplements. However am not limited to health and wellness products. Her partners with-in he Organization work with weight Management, Pet Care, Personal Care, Home and Garden , auto care, internet shopping, web design debt Consolidation, Cosmetics, and music. She also work as a Non Profit Consultant. She loves what she does because she can offer something for everyone and help so many people with their health as well as their finances. There is also an 2-35% cash back program for all of her customers. With Market America she is a multiple Local, District, and Regional challenge winner and have been a member othe North Jersey Leadership Association She now has a on going residual income and a business that is willable to her children.
Camille Re
Contact number : 862-812-0639

Neil Pinkman

Neil Pinkman is a Regional Director for Paradigm Associates. Neil specializes in coaching entrepreneurs and small companies focused on brand development and growth. Neil's passion is helping people become successful, both personally and professionally. Over the course of his three plus decades of experience as an entrepreneur, Neil has coached hundreds of people to achieve their goals. The wonderful result of Neil's extensive management, both of individuals and teams, is seeing how people and their organizations have thrived and prospered.
Neil's primary focus is helping individuals and organizations implement strategies to increase business, strengthen reputation, enhance personal development, and expand into new markets while utilizing their unique creative abilities. Neil's specialty areas include design companies, marine-related industries, and holistic practices. Before becoming a Regional Director for Paradigm Associates, Neil established himself as a recognized trainer, coach, mentor, and business development manager. He began his career as founder and managing partner of an award-winning design and communication business consulting for both local and national accounts. Subsequently, he conceived of, created, and directed a holistic and wellness facility devoted to personal and spiritual well-being and health. This holistic approach center successfully served thousands of clients of all ages and from all walks of life, including those afflicted with cancer and allied diseases, eventually expanding not only to off-site trainings and sessions attended by the general public, but also producing successful spin-off businesses.

Jack Blieberg

Jack is a practicing CPA who has a developed proficiency in guiding companies to reach their full potential through proper planning and execution, and maximizing operational efficiencies and controls. He also works with his clients to protect their wealth with proper tax, business exit and estate planning. Jack has worked with all sizes of entities, from small through large public companies. Jack has been a partner at a regional CPA firm, and owned and operated business systems and consulting firms. Jack has over twenty-five years of experience owning and operating small businesses. He has extensive experience across many industries. Jack is a graduate of Lehigh University, where he obtained a Bachelors degree in Accounting He has been published in the CPA Journal and chaired a committee of the NJ Society of CPAs. Jack is currently Vice President and Executive Board Member at the Daughters of Israel Geriatric Center in West Orange, NJ. He is a member of the American Institute of CPAs, the NJ Society of CPAs, and is active with the North Essex Chamber of Commerce.

Rocco Sileo

Rocco Sileo began his financial services career as a mortgage broker over a decade ago where he focused his energies on educating and helping individuals that desired to take their first steps into home ownership. After passing the NJ State Banker exam, Rocco served as a partner in a successful mortgage company for several years before taking a more serious interest in the debt settlement and negotiation industry. In 2006, Rocco formed a business partnership to help assist consumers that were seeking help to resolve their unsecured debts. Rocco served briefly on the Board at Large of T.A.S.C. (The Association Of Settlement Companies), an industry trade group devoted to consumer awareness for best practices for debt settlement. Rocco has recently expanded his business to form a processing center on behalf of different law firms that have been retained to assist consumers in negotiating their debt.

Deborah Anderson

Ms. Anderson holds a BA from Rutgers University and a Masters Degree from Fordham University. Her extensive background in marketing and sales started in high school working for various newspapers and contractors. Upon completion of her master’s degree in 1989, it was the height of the recession and the most beneficial opportunities presented themselves in marketing and sales.After a short career in the financial industry in banking, Ms. Anderson found success in working days for a market research firm and evenings as a manager for a telemarketing company. Ms. Anderson has seen how rewarding life owning a telemarketing/sales company now in her 18th year working with sales executives and corporations ranging from AT&T to Pudential. Ms. Anderson’s other areas of expertise include telemarketing and sales training for fortune 500 companies as well as single executives. These industries range from financial advisors, mortgage brokers, etc. Also, Ms. Anderson has been published in a variety of Who’s Who publications for successful executives and interviewed a few times on Channel 12 news.
Future Waves Marketing
South Brunswick, New Jersey
Ph: 732-274-9399

Katherine Woodfield Hermes

Ms. Woodfield Hermes has almost 2 decades of experience working for pharmaceutical giants. She had been exposed to almost every type of health care insurance sold in America. Ms. Woodfield Hermes had worked with doctors and office managers to help them get paid for their reimbursements, and had a unique view on how the patients' families struggled under the weight of unexpected expenses. As an independent broker, she is able to evaluate each company for the best medical plan available and additionally offer employees the option to choose benefits on a voluntary basis at no cost to the employer. Ms. Woodfield Hermes able to use my knowledge of how the doctors are paid, the insurance companies pay, and help employees avoid financial hardship. contact phone; 908-421-5381

Terrance Coughlin

Terrence P. Coughlin, CPCU, ARM, AIC is a professional Insurance and Risk Management Consultant with nearly thirty years of finance and insurance experience. He is the principle of Task Risk Management Consulting, Inc, located in Wyckoff, NJ. He has held senior positions in the finance and insurance brokerage arenas before spending the last ten years as a Risk Management Consultant. In addition to his hands-on experience, Terrence has also worked hard on the technical/academic side; earning the Charter Property and Casualty Underwriter (CPCU) designation, which is the most advanced designation in the insurance industry. In addition to earning his CPCU, he has also earned his Associate in Risk Management (ARM) and Associate in Claims (AIC) Designations. Terry Coughlin continues to keep up-to-date on his insurance knowledge by teaching CPCU and ARM courses on a regular basis.He is also a member of the Society of Risk Management Consultants (SRMC) and is a Past President of the New Jersey Chapter of the CPCU Society.
Task Risk Management Consulting, Inc.
Terrence P. Coughlin, President
245 Braen Ave, Suite F
Wyckoff, NJ 07417
(201) 425.8363 Office
(201) 425.8398 Fax

Ron Hatcher

Ron Hatcher...has over 30 years experience in marketing communications. He honed his skills in the media department of major agencies including Grey, McCann Erickson and NW Ayer (which is now MEC). In 1989, he was recruited to be the Media Director of Burkhardt & Christy, where he helped the agency to triple in size. In 1995, he formed his own agency, Munn Rabôt, with three other partners. In 2008, Ron launched Vantage Point Media, a firm focused on providing businesses with highly strategic, effective and affordable media planning and buying. Ron’s extensive brand experience, prior to founding Vantage Point Media, includes BMW Motorcycles, Goodyear Tires, Coca-Cola, AT&T, Bristol Myers, Revlon, R.J. Reynolds, McDonald’s, Bahamas Ministry of Tourism, NewYork-Presbyterian Hospital, Oppenheimer, Sony, Nintendo, Smirnoff Vodka, Nestle and others.
He has managed the development and implementation of plans ranging from a single, local market to multi-national efforts.
Ron believes it takes more than buying efficiently to get the best results; it requires understanding the unique power of each medium and how the various media fit into the customer’s everyday life. He seeks to extend the impact of his client’s marketing efforts by developing free (added-value) elements as well as paid sponsorships and events. Examples of this include negotiating the placement of BMW’s motorcycle line in prime locations of the Hartsfield Atlanta International Airport for a two-year period leading up to, and including, the 1996 Olympics; developing and implementing a one-of-a-kind news-content “product placement” for Children’s Hospital of New York-Presbyterian on WCBS-AM (880); arranging for the Goodyear blimp to be featured in a Latin American beauty pageant TV event which was viewed in over 15 countries; negotiating GHI’s sponsorship and participation in the New York City Triathlon; and establishing Atlantis as the official health plan of the Mets Class A baseball team, The Brooklyn Cyclones.

Robert J. McDonnell, MS APM

Accredited Professional Mediator
Alliance Mediation Services
39 Alpine Drive
P.O. Box 87
Lincoln Park, NJ 07035-0087
Tel: 973 709-0188
Fax: 973 709-0255
Robert J. McDonnell, MS APM, owner and principal of Alliance Mediation Services, has been formally practicing mediation since 2003 and brings to his practice over thirty years of experience in the telecommunication industry, focused primarily on regulatory policy development and issue resolution.
He served as President – New Jersey Association of Professional Mediators (NJAPM), from October 2008 through September 2010. He currently serves on the NJAPM Board as Immediate Past President. Robert is an Accredited Professional Mediator (APM) and received accreditation from the New Jersey Association of Professional Mediators. His practice includes both civil and family mediation services in New Jersey. He has also been accredited as an Advanced Mediator Practitioner by the Association of Conflict Resolution. Robert was trained in mediation and dispute resolution at Rutgers University, where he received a Graduate Certificate in Conflict Management. He holds a Masters of Science degree in Engineering Management and a Bachelor of Science in Electrical Engineering, and also attended graduate policy programs at Stanford and the University of Michigan. Robert is approved by the New Jersey Administrative Office of the Courts (AOC) for the Presumptive Mediation Program for Civil, General Equity and Probate Cases and mediates civil cases for the AOC in several counties in Northern New Jersey. He is also on the New Jersey AOC Roster of Foreclosure Mediators. He volunteers his mediation services and serves as a mediator for the municipal courts in Essex, Morris and Passaic Counties. He is also an arbitrator, and participates on the Financial Industry Regulatory Authority (FINRA) panels in New York and New Jersey.

Stephanie M. Banks

When she was in the eighth grade, Stephanie’s father bought her 20 shares of a mutual fund and a copy of the Wall Street Journal, handed it to her and said, “Now you’re an investor, start learning”. Fast forward 8 years - the Biology major who hung out at the Met, ended up with a series 6 NASD license selling mutual funds to business owners in SoHo. After a few years working for a Wall Street Firm, Stephanie took her much desired Series 6 license and settled back in NJ at Equitable Insurance, licensed in Life, Accident and Health insurance. Ever the artist, a few years later she left the financial world to pursue a career in the restaurant industry, working her way up and eventually graduating from the Culinary Institute of America where she was awarded a graduate fellowship. After many successful years as Executive Chef for corporate clients, Stephanie realized the dream of homeownership and the potential hazards of placing your trust and hard earned money in the hands of lenders who may not have your best interests at heart. Stephanie’s financial interest was rekindled as she learned about the mortgage industry and witnessed the unscrupulous behavior of many loan originators. She has been a mortgage consultant for 6 years, and has worked for both mortgage brokers and bankers. She entered the industry when in was common place to receive daily emails announcing the beginning of the end for many lenders. Her passion is client education. She feels that in order for there to be a successful, long term client - trusted advisor relationship both loan officer and client education is necessary. “There are too many people that have mortgages who’s only purpose was to line the pockets of uncaring, bad loan officers. People need to have faith and trust in the lending system again”. Stephanie lives in Southern New Jersey with her husband and daughter and their two dogs. She spent 6 active years as a leader in the Girl Scouts and is a member of her church choir. She is also a musician in piano, organ and voice in area churches.

Cell: 732-486-5647
NMLS# 324980

Marlene Waldock

Marlene J. Waldock owns 1st Impression Communications, a results-directed communication strategies and solutions company with a focus on communication and presentation
skills, founded in 1987. A nationally published writer and seasoned public speaker, for five years she was the host of a weekly TV program, NJ Business, seen on News 12 New Jersey reaching 1.7 million households in the state. In 2003 she was awarded The Small Business Administration (SBA) Journalist of the year Award for her work. From 2006 to 2009, as a member of the Board of Contributors for NJBIZ, a weekly business publication, she wrote quarterly editorials on topics pertinent to the business community.
She has also authored articles in Family Circle Magazine on Powerful Communication Skills for Women, reaching 22 million readers world-wide. Perhaps her greatest accomplishment, professionally and personally, is the creation in and ultimate success of “Because We Are Women: Celebrating Possibilities symposium. BWAW is an empowering experience that energizes, inspires, and supports personal growth, life achievement, and internal fulfillment. Since 2004, BWAW has touched
hundreds of women, helping them to step into their power and live their dreams. In 1995, she became a member of The New Jersey Association of Women Business
Owners (NJAWBO) and served as state president in 2003/2004. Just prior to
becoming president, the Association honored her when they selected her BUSINESS WOMAN OF THE YEAR. Very involved in the community, she is the president of the North Essex Chamber of Commerce, and sits on the board for Programs for Parents, and the Advisory Board for the Turnaround Management Association. For three years, she participated in the PSEG
supplier Diversity Council, promoting the viability of WBE and MBE as suppliers to Corporate America.

Vito Mazza

Mr. Mazza holds a BA in English in Secondary Education from New Jersey City University in Jersey City,New Jersey. Upon graduation Mr. Mazza started his 28 year career with World Book Education Products. He began this career working in the products division as a part time teacher’s product representative and then worked his way through the management levels to Distributor level where he became the president of his own company called Parental Partners. Afterwards, Mr. Mazza took all of his experience and moved to GreenFlag by Transworld Systems, Inc. Mr. Mazza had managed the Manhattan office for five years and now he is the senior consultant helping the New Jersey Metro area small business owners and medical practices with cash flow management.
Vito Mazza
Senior Consultant
Transworld Systems, Inc.

Frank Gallipoli

Mr. Gallipoli is the National Sales Director of Bank Card Systems, Inc. in Rochelle Park, NJ. Mr. Gallipoli with almost 20 years experience in the finance industry, Frank joined Bank Card Systems to promote current financial products and cutting edge technologies available within the payment card industry for accepting credit cards. Mr. Gallipoli is also able to offer small business owners access to alternative financing options through his numerous business affiliations and relationships. Frank takes a great deal of pride assisting people both in business and personally. He actively serves in: the Meadowlands Chamber of Commerce Small Business Council; New Jersey Chamber of Commerce; and supports the Mid-Bergen Rotary Club, Gift of Life 7490 & Interact Club with his wife and children. Frank is available for your questions at:

James Hyland

James Hyland is a graduate from Seton Hall and Upsula Universities. After an extensive career in corporate America, Jim started ASA Payroll in 1990. He sought to give northern New Jersey small business owners an better alternative to the payroll giants. Mr. Hyland’s approach includes highly detailed customer service and always being able to give not just more competitive pricing but also provide extensive knowledge and council on a variety of business topics to assist his clients. Mr. Hyland is an expert on IRS and state payroll issues as well and has many times come to the aid of his clients when he has noticed them making a possibility detrimental business maneuver in how they categorize their employees. He has saved many a small business owner from heavy fines and penalties from the IRS through his quick actions and eye for detail. Many of his clients have noticed and appreciated that if they had stayed with a typical payroll giant they could have been tied up in intrusive and lengthily IRS and state investigations had Mr. Hyland not caught and corrected the innocent mistakes.

Carolyn Daly ESQ

Carolyn N. Daly, Esq. is an attorney and Senior Partner at Daly & Associates, LLC, a law firm in Morristown, New Jersey, where Ms. Daly's is a practicing Certified Matrimonial Law Attorney and has been named a Super Lawyers Rising Star from 2006 through 2010. Ms. Daly's thriving practice focuses on family law (divorce, alimony, college contribution, domestic violence, mediation, custody, parenting time, grandparents’ rights, non-dissolution) and real estate law. “Ms. Daly prides herself on a pragmatic, no-nonsense approach to resolving family law matters. Ms. Daly's diverse background, focusing on family law after having practiced in several other areas. This diversity has helped Ms. Daly to identify issues that are often overlooked in family law.” An active member of the New Jersey State, Morris County, and American Bar associations, Ms. Daly sits on the Morris County Child Support Partnership Committee. She regularly serves as an Early Settlement Panelist in Morris County as well.

V. James Castiglia

Jim Castiglia graduated from Montclair Academy in 1970 and earned his Bachelor of Arts degree from Dickinson College, Carlisle, PA in 1974. He also had the privilege of studying for a year at the College’s Center for European Studies at the University of Bologna, Italy. He earned his Doctor of Laws degree from Seton Hall University School of Law in 1977. He has been in private practice his entire career, first in West Orange, NJ and for the last 19 years in Oak Ridge, NJ (Morris Co.) Jim’s practice focuses on individual, family and small business legal needs. He is particularly experienced in residential and commercial real estate. He began doing loan modifications before the government’s HAMP program was announced and has always processed loan modifications in-house. He helps people in foreclosure by representing them at foreclosure mediation hearings and uses the hearings as a means to obtain a loan modification. In the last several years a large part of his real estate practice has been mortgage modification negation, foreclosure prevention through mediation hearing as well as the quick disposition of short sales, both for the Buyer and the Seller. He is active in his local Jefferson Township Rotary club and is active in the national leadership of his college fraternity, Alpha Chi Rho. He has three college age children.

Peter Nagy

Reverse Mortgage Specialist Peter is a reverse mortgage professional who truly enjoys working with seniors and changing their lives for the better.The most successful reverse mortgage professionals treat the category as their main line of business, not a sideline. Peter is dedicated to stay abreast of the latest developments in the mortgage industy, which undergoes constant change in their guidelines and regulations. It takes a special kind of person to truly excel in the reverse mortgage business which involves educating prospective senior client's and alllowing them to take all the time they need to make a decision they're comfortable with. Peter is a graduate of American University in Washington, DC wlhere he obtained a Bachelors degree in marketing and finance. He is also a Certified Credit Consultant and speaks nationally to mortgage brokers/bankers, real estate agents and financial professionals about how to help their client's achieve the credit scores they truly deserve. I really enjoy the business of mortgage banking because I have the opportunity to consult my client's with reguard to a major financial transation in their life. Ultimately, they are greatful whin I put them into a mortgage program that not only fits their needs but also their budget.As a trusted advisor, I take great pride in knowing that I a doing what's in best interest of my client's.
Peter Nagy
Licensed Mortgage Orininator
NMLS # 207869

Santo Bonanno ESQ

Mr. Bonanno was born in New Jersey, completed 9 years of military academy education. He graduated from the University of Bridgeport School of Law in 1980 receiving his Juris Doctor, and was admitted to the Connecticut Bar Association that same year. He was admitted to the New Jersey Bar Association in 1981. In 1989 he was admitted to the New York Bar Association. BANKRUPTCY PRACTICE Creditors’ rights and bankruptcy related litigation Chapter 7, liquidation cases Chapter 11 and Chapter 13 reorganization cases. Mr. Bonanno has a wealth of experience in variety of civil actions in both federal and state courts as well as corporate and auditing experience, including a successful defense of prevailing wage before the NJ Supreme Court. His education, B.S. in Accounting and M.S. in Taxation, and his work experience prior to going into private practice are most beneficial when handling corporate, commercial and bankruptcy matters. Mr. Bonanno worked as an IRS auditor and as an auditor for the State of Connecticut. Additionally, he was employed as a tax accountant for Richardson Merrill, (a pharmaceutical company) and a tax manager and corporate counsel for Lonza, Inc. (a chemical company). While residing in Franklin Lakes, NJ, for eighteen years, for thirteen years he served as a member of the Board of Education, including two terms as President of the Board. Additionally, he served on the Blue Ribbon Mayor’s council committee and coached soccer for the Recreation Commission.
Attorney and Counselor at Law
1430 Route 23
North Wayne, NJ 07470
Tel: (973) 686-9060
Fax: (973) 686-9062

Alexander Toia & Company, LLC

Phone: (973) 538-3338
Alexander Toia, CCLA, LPI
Pesident and Licensed Private Investigator
Barbara Rudd, FCRA
Director of Research, Assets, & Missing Persons Investigations
Alex began his career in 1973 as a graduate student at Rutgers University, School of Criminal Justice where he worked as an apprentice investigator for the Hamilton Detective Agency in Livingston, NJ, that specialized in matrimonial surveillance and missing persons. In 1975, Alex was appointed to New Jersey’s newly created Pre-Trial Intervention Program, supervised by the Morris County Probation Department and Prosecutors Office. Background and pre-sentence investigations, defendant and witness interviews, and extensive evaluations were routinely prepared for assistant prosecutors and criminal court judges. After three years with Morris County, Alex spent the next five years with Chubb Insurance as a field investigator expanding its Claims and Litigations departments, before Special Investigation Units were introduced to the insurance industry. In this role, Alex investigated all personal and commercial coverage lines, including motor vehicle claims, construction accidents, property and liability claims, personal injuries, natural and suspicious deaths, and premises liability cases. Alex has also attained the desigation of Casualty Claim Law Associate (CCLA) from the American Educational Institute, which provided him substantial knowledge of insurance-related litigation few investigators possess. Alex founded Search Investigations, Inc. in 1982, and specialized in insurance claims, civil litigation, and criminal defense investigations. Clients included insurance carriers, law firms, lawyers, private and public corporations, and self-insured groups throughout the New Jersey/New York Metropolitan area. Alex later merged his agency with another to form Murphy Toia Murphy, Inc., where he served as Internal Operations Director. Alex later left the group to form his own agency, Alexander Toia & Company, LLC.
Alex is an active member of the following associations: Association of Christian Investigators (ACI), National Association of Legal Investigators (NALI), National Council of Investigators & Security Services (NCISS), and the New Jersey Licensed Private Investigator Association (NJLPIA) whose membership committee Alex chairs; and whose newsletter, The Surveillant, Alex is the Editor for. Alex Toia has also published articles in the NALI periodical, PI Magazine, and NJLPIA.

Bonnie Laiderman

Bonnie Laiderman has a broad range of professional experience that spans several decades in the medical care industry and general business. She began her career as payables supervisor at Jewish Hospital in St. Louis, and quickly was promoted to billing manger, responsible for over $100 million in receivables and nearly two dozen employees. She then became credit manager and was responsible for all collections for the hospital. She opened an automotive import/export business, which she owned for 18 years. The company garnered recognition that included the Governor’s Exporter of the Year Award and 1998 Exporter of the Year. In 2003, Bonnie founded Veterans Home Care. The idea for Veterans Home Care came to Bonnie after the passing of her own mother, Edith Sperling, the widow of a Korean War veteran. Bonnie discovered late in Edith’s battle with cancer, that a little-known Veterans Administration pension existed to help pay for home care for veterans or their surviving spouses. Unfortunately, by the time Bonnie was able to apply for the pension on Edith’s behalf, it was too late. Bonnie realized that many veterans or spouses were not aware of, or were unable to apply for the pension without assistance. Within a few months of Edith’s death, Bonnie opened Veterans Home Care to help deserving veterans obtain the pension. Veterans Home Care helps veterans and their surviving spouses who qualify, apply for a pension, known as “Aid & Attendance,” which pays for assistance with activities of daily living in their homes. Veterans Home Care provides home care, assigns attendant care workers and follows up to assure that the veteran remains in compliance with VA guidelines to continue receiving the pension. There are no out-of-pocket costs to the client; VHC furnishes a zero-interest loan for the cost of home care until the application is approved and VA reimbursements begin. Veterans Home Care has helped more than 3,500 veterans or their surviving spouses to access VA benefits for the care they need. The company currently maintains 11offices, serving clients in 15 states. The company has been recognized by Inc.5000 as one of America’s fastest growing companies for 2009 and2010, and is Better Business Bureau accredited. Bonnie also serves on the board of ITNAmerica (Independent Transportation Network) ITNAmerica, an organization which provides low-cost transportation to elderly who can no longer drive.
Veterans Home Care
11861 Westline Industrial Drive, Suite 750
St. Louis, MO 63146
314.514.2444 office
800.640.7988 fax

Dr. Darsi Beauchamp

Dr. Darsi D. Beauchamp has had extensive training in the area of education and administration. She holds a bachelor’s in Psychology and one in Spanish/French from Rutgers University with certifications in both New Jersey and California to teach grades Pre-K-12th as well as, a Master’s in Counseling (Family Therapy focus) from California Polytechnic and another Master’s in Educational Administration from Montclair University. In addition, she has a doctorate (Ph.D.) in Educational Administration from Capella University in Minnesota, which she has used in managing schools, companies, and government agencies in the private and public sectors. Furthermore, she has years of experience in the areas of marketing, human resources/employment law, counseling, teaching, and translations. She is fluent; bilingual and bi-literate in Spanish and conversant in French. Some of her employment opportunities and doctoral program have allowed her to be involved in the development of curriculum in differentiated instruction to help all students (Pre-K-College and private companies) in the area of learning interdisciplinary comprehensive studies. Her philosophy is that “all students have the ability to learn, given the right opportunity, skills, strategies, and environment.” She has trained many teachers in this methodology and is a Staff Development Provider with the New Jersey Department of Education. She has also provided workshops and forums in the areas of curriculum development, conflict resolution, and special education. Her dissertation is published in the Journal of Biology, Neurology and Education for her contributions in how the brain learns and interacts with the environment, thus promoting lessons that tap into the children’s curiosity, by holding their attention, while using all their senses in learning; taking into consideration their learning needs and pace. Recently, she has changed careers and delved into the area of law by becoming a Paralegal and a Civil Court Mediator and is working with different agencies in the areas of disabilities and employment law. Her goal is to go on to law school to continue her contributions in school and employment law. She is acquiring a BCBA and School Psychology certification and licensing. She is a member of the American Association of University Women, New Jersey Association of Women Business Owners, NJ State Chamber of Commerce, LatinVision, Hispanic Chamber of Commerce, Alpha Epsilon Lambda, National Association of Elementary School Principals, National Association of Judiciary Interpreters and Translators, New Jersey Association of Paralegals, Universidad de Salamanca, Association for Supervision and Curriculum Development, NJ Special Education Providers, New Jersey Association of Professional Mediators, and the American Red Cross. Her dream is to be able to help, train, and prepare students with disabilities for a better future.

Tracey Lawrence

Tracey lawrence is a woman of many talents. For years, she ran her own graphic arts business. She earned a master of science in digital imaging and design from new york university in 2007, endowing her with video editing, animation and broadcast design skills. She uses that knowledge to run ringwood nj's public access tv station.Caregiving her aging parents presented challenges for tracey as she tried to continue running and growing her business. The changing economy didn't help. But as more friends and acquaintances had questions for her about their aging parents, tracey realized her expertise with elder care was sorely needed.Having been a client of ameriprise financial since 2001, tracey understood the value of working with professionals, and thought she might be able to help more people by becoming an advisor herself. She applied for a position in ameriprise financial's targeted career changer program and was hired in march of 2013. After going through a rigorous 5 month program, she studied for and received her series 7, series 66 and life and health insurance licenses. Through her journey, tracey forged relationships with professionals in complementary businesses, and came up with the idea for "grand family planning:" addressing the needs of multi-generational families, from grandparents to grandkids, helping them to plan for and cope with life’s challenges. Working with strategic partners, she provides education, needs
Analysis and action plans for families in order to live healthier, more secure lives. Tracey is also the lead singer for a new jersey rock band called "cozmopolitanz.” you can see performances of her previous band, just play! On their web site: http://justplayrockband.Wordpress.Com.

Brian Cody

Brian Cody, CFP®, is a Financial Advisor with LPL Financial. Mr. Cody specializes in all phases of financial planning with an emphasis on Retirement Planning for small businesses and individuals. His practice is located out of Morristown, NJ.
Mr. Cody graduated from the United States Merchant Marine Academy in Kings Point, NY and has a Masters Degree from Union College in Schenectady, NY. Mr. Cody is fully licensed for securities and insurance services.
Brian is also licensed by the State of New Jersey to provide Continuing Education to Certified Public Accountants.
Mr. Cody provides financial presentations to groups around the New Jersey/New York area and is an Adjunct Professor at Fairleigh Dickinson University in Madison, NJ.

A little known fact about Brian is that after graduating from the US Merchant Marine Academy, he became a US Navy Nuclear Engineer and trained other Navy officers to become licensed nuclear engineers.

Brian T. Cody
LPL Financial*
65 Madison Ave.
Suite 300
Morristown, NJ 07960
Phn: 973-867-1345
Fax: 973-490-6429


Eric B. Segal

Security Business Solutions, founded by Eric Segal in 2002, takes a comprehensive approach to workplace security by evaluating and assessing hiring practices, potential vendor relationships, management and operating practices. Additionally, ‘S.B.S.’ works closely with ‘Venture Capital Firms’, ‘Law Firms’ and ‘Accounting Firms’, in providing their clients a greater in-depth knowledge of potential business relations/decisions.

In January, 2008, the Gateway Regional Chamber of Commerce, Union County, honored Security Business Solutions as its ‘Small Business of the Year’.

Recently, Eric created and currently teaches a course called, ‘MarketSelf’, which assists individuals to maximize their chances of finding employment in today’s tough economy.

Prior, he was President and Chief Operating Officer of Kenzer Corporation, an executive search firm, responsible for five branch offices throughout the U.S., total company operations, international expansion, and served as the United States Representative Member to ‘INAC’ (International Network of Associated Consultants, representing 24 Countries). During his tenure at Kenzer, he was involved in the placement of over 15,000 executives, and the company’s volume escalated from $130 thousand in ‘1974’ to $22 million in ‘2000’. Kenzer Corp. was listed as the twelfth largest search firm in the United States.

Earlier in his career, Eric held positions as Regional Manager of Personnel and Operations at JM Fields, Vice President of Operations at Marshals, and Regional Operations Director at Zayre Corporation.

He received a B.S. Degree in Business with a major in Industrial Psychology from Boston University.

Eric is currently the Treasurer of Camp Loyaltown, Inc. (a summer camp for retarded children and adults); he previously served as President for 10 years. He is on the Board of Directors for the AHRC, Nassau Chapter (Association for the Help of Retarded Children). Additionally he served as the Co-Chairman of the American Cancer Society Bergen County Golf Tournament, the largest single day golf fundraiser for ACS. He is a past recipient of the ‘Excalibur Award’.

Eric is married and has three grown children and five grandchildren.

Ciro J. Giue MBA

Chief protection officer / chief benefits officer
Kinnelon, new jersey 07405
(201)694-3742 - cjgiue@aol.Com

My Mission Statement
“great employees make companies. I help great companies keep & attract great employees by helping them design & implement great employee benefits programs that protect their employees and their families & help protect their bottom line.” mr. Giué has spent the past 7 years consulting with individuals, families, business owners & employers on personal insurance matters and designing effective and affordable employee benefits health & welfare programs. Because of mr. Giué’s background as a cpa in nj he has experience advising his clients & their employees on designing & implementing sophisticated group health & welfare plans including; irc section 105 plans, irc section 125 plans, high deductible health plans, flexible spending accounts, ancillary group benefits and voluntary supplement benefits. Prior to this mr. Giué spent 15 years on wall street working in various capacities for firm that managed assets for institutions, foundations & families. His roles on wall street included; compliance officer, assistant treasurer of mutual funds and investment reporting manager. Prior to working on wall street mr. Giué worked as a cpa for the largest cpa firm headquartered in nj.

Mba – finance/international business, new york university, leonard n. Stern school
Bachelor of science – accounting, rutgers university
Life and health insurance license – nj, ny, pa, conn.
Finra series 7 and series 66 license
Successful completion of the long term care planning master class
Certified public accountant – license is inactive in new jersey associations & memberships
American institute of certified public accountants
New jersey society of certified public accountants
New jersey state chamber of commerce – affinity member
Family – resides in kinnelon, nj with wife jaikish, son matthew & daughter amelia

Community involvement & interests
Recipient of the boys & girls clubs of america service to youth award
Founding member – mso prosperity chapter of business network international
Bi-lingual – english and italian (communicable in spanish)

Rose Benson

It wasn’t until the middle 1990’s that I finally decided what I wanted to be when I grew up! I was nearing the end of a chapter in my life, as a stay at home mother, and about to join the throes of single parenthood.
I always had a dream of becoming a CPA and began taking 2 or 3 courses a semester at the local – County College of Morris and graduated with honors and an Associate in Science degree in 1998. Juggling the mothering of 2 teens, working part-time and pursuing a Bachelor’s education at Centenary College, I formed a cleaning service business to afford the flexibility, decent pay, and being able to capitalize on the benefits of self-employment. I also worked with CPA’s doing data entry and auditing projects.
It took me 8 years of persistence to finally graduate from Centenary College in 2006, Magna Cum Laude, with a Bachelors of Science in Accounting. After working for CPA’s and being billed out for 3 times my wage, I decided to form Benson Bookkeeping, LLC and just celebrated my third anniversary! My 15 years in the business has proven to be diverse, challenging and rewarding. I do set-ups, clean-ups, maintenance and auditing projects. Although I have a BS, I am still learning every day. No two clients or businesses are ever the same. The first two years were a struggle, which may have been due to the economic downturn for small business (my target market), but my business has grown thanks to advice from a dear friend – Liz Crystal, and a well-placed ad on and joining local networking groups. I have found forming friendships with fellow entrepreneurs, priceless.
I pride myself on lessons learned as a child to be honest, high level of integrity, personable and giving. It has molded me as an entrepreneur and contributes to my morals of being a bookkeeper.
Long Valley NJ is a wonderful place to reside. Country living, gardening, bird watching, kayaking, skiing, traveling, charity work and socializing are pastimes that ‘charge my battery’. Life is too short, not to have fun…..
I am satisfied with my persona and the clientele I have established as a bookkeeper. Achieving a CPA degree is on my ‘bucket list’. My children – Amy and Karl, family and friends have been supportive with my transition and I would not trade any of them for all the money in the world. ‘Life’ is a book with many chapters. We sometimes write our own but with outside influences. You never know what tomorrow will bring.
Contact me at Rose @ or join me on Linkedin if you care to;
Be the best you can be – whether in business or in personal! Carpe diem!
Rose Benson

Michael Menihan

An experienced business professional, with over 35 years experience in the Telecom Industry. Managed numerous organizations at AT&T during the Telecom Deregulation era, in the 1980’s & 1990’s. Managed mission critical organizations at Emerald Solutions, Inc. and Global Crossing, LLC. Held a number of international assignments. A small business owner from 2001 to present. Entered the de-regulated energy market in early 2010, currently holds the position of National Director/Independent Consultant with America Approved Energy Service Direct. To check availability of savings and choice in your utility market simply contact:
Mike Menihan
America Approved Energy Service Direct
National Director/Independent Consultant
Phone: 973-998-4062
Fax: 973-215-2004

Sean Carroll

After serving as a public school music teacher for 7 years, I built an award winning real estate sales practice from zero to over $5.5 million in sales in 12 months, all during the "Great Recession" of 2008-2009. I generated over 80% of my leads online via blogging, email marketing, and social channels.

Once my sales career started to blossom, I realized how entrepreneurial I actually was, and I started my own coaching and training company in 2009, focusing on the "solopreneur" niche. Over the next few years, I built a busy coaching practice, and an online presence that enabled me to leverage my expertise, grow my income and have more flexibility with my time.

My personal philosophy is to always think about "Passion First", which is why I always ask "Am I going to love this?", before taking on any new project or activity.

I have built loyal, engaged audiences on several social media platforms, and a highly responsive email list for the past 9 years, in multiple niches.

I am a student of innovation, technology, social and business trends, and all things musical. I believe this makes me a more authentic marketer, and more valuable to the marketplace.

I believe that life is meant to be enjoyed, and that the line between "work and play" should be blurry. If it's fun, it just doesn't feel like work!

Specialties: business coaching, social media strategy, small business consulting, professional speaking, personal development.

Richard Dowling MA, LPC, MAC

Rich Dowling, founder/partner of The Thought Exchange, has achieved significant and positive changes in his personal and professional life during the past 20 years by applying the principles of what he now offers to others as The Thought Exchange Process©. Rich has gained independence from alcohol, nicotine and caffeine, as well as earned a master’s degree in counseling, married and founded a successful counseling practice. His credentials include Licensed Professional Counselor (LPC), Master Addictions Counselor (MAC) and Associate Fellow, Albert Ellis Institute, NY.
Mr. Dawling was a founding board of directors member for S.M.A.R.T. Recovery (Self-Management And Recovery Training) Self-Help Network and assisted with the development of SMART’s “Four-Point Program®.”

Learn to manage stress related to... work, school, "life"!
Gain independence from alcohol, nicotine, other drugs, gambling, eating disorders by applying The Thought Exchange Process.

If you do not find the 12-step/disease model helpful there are Professional Treatment and Self-Help Options

Currently the treatment available to individuals experiencing difficulties related to alcohol, other drugs and related behaviors, i.e., compulsive gambling is predominantly 12-step/disease model based. Although the 12-steps may be helpful to many, they are not helpful to ALL–and might even be harmful to some.

The Thought Exchange is particularly interested in working with individuals who have not found the 12-steps effective in facilitating the desired result. The Thought Exchange wants that segment of the population to know there are professional treatment and self-help options for gaining independence from addictive behavior.

The Thought Exchange, LLC
Center for Personal Achievementsm
150-152 Speedwell Ave.
Morristown, NJ 07960
Tel: (973) 984-8244

Marc Garbar

Marc W. Garbar received his Bachelor of Science degree in Accounting, cum laude, from Long Island University.  Mr. Garbar received his Juris Doctorate from Nova Southeastern University School of Law.  He is admitted to the bar of the States of New Jersey, New York and Florida.
B.S., Long Island University, 1989 J.D., Nova Southeastern University School of Law, 1995
Mr. Garbar is a litigator in state and federal courts with a practice focused on employment discrimination, sexual harassment, wrongful termination, restrictive covenant litigation, business law, commercial litigation, securities violations and contract negotiation on behalf of corporations.  He also counsels employers in the negotiation of employment termination agreements and assists employers in the formulation and implementation of employment policies, including employee handbooks.  He serves as lead attorney for the firm in its capacity as Special Counsel representing the State of New Jersey for Labor Negotiation matters.
Mr. Garbar is admitted to practice in New Jersey, New York and Florida. He is also admitted to practice before the U.S. District Courts for the District of New Jersey, the Southern, Eastern and Western Districts of New York and the Second and Third Circuits’ Courts of Appeal.  He maintained his own employment law practice, as a sole practitioner and as a partner, and defended the City of New York in labor and employment matters, as well as against unlawful arrests concerning mass litigation which stemmed from the 2004 Republican National Convention.
Mr. Garbar is a Court approved mediator throughout the State of New Jersey.
Mr. Garbar provides seminars to many business groups, as well as to various private organizations including the National Organization for Women, on multiple employment law related topics, including discrimination, sexual harassment and wrongful termination. Mr. Garbar speaks weekly on various legal topics at Business Networking International in Paramus, New Jersey.  He also appears as a legal commentator on employment law issues on local television news broadcasts.
“A River Runs Through It – A primer on the perplexing differences between N.J. and N.Y. employment law,” 211 N.J.L.J. 4 (January 28, 2013).
“Don’t be Singing the Blues this Holiday Season, and Don’t be Serving Alcohol at
your Business Holiday Parties” Publication to Firm Clients Only, December 2012
“Legislative Developments of Interest to New Jersey Employers” Publication to Firm Clients Only, September, 2012

Main: 201.483.9333

Fern Weis

Parent Coach and Educator
Certified Empowerment Coach –
Institute for Professional Excellence in Coaching, 2008
Certified K-12 Teacher, State of
New Jersey, 2001
BA, French, Douglass College,

Additional Trainings:
Social & Emotional Intelligence
Coach – Institute for Social & Emotional Intelligence, 2014
Keruv Consultant for the
religiously intermarried – Federation of Jewish Men’s Clubs
“The Biggest Job” © Facilitator– Hyde School program for family-based
character development, 2006

Parent Coach and Educator for
parents of teens and tweens.
Your Family Matters, LLC

As a parent coach, former middle
school teacher, and the parent of two wonderful young adults, Fern has seen all
sides of parents and adolescents and the challenges they face getting through
the teen years. In her work with
parents, Fern shares from her personal experience as the mother of an
out-of-control teen. She learned that
love and good intentions were not enough… in fact, they were part of the
problem. Nothing was going to change
until she did. So she did, and doing
that work changed everything.

Since 2008 she has been taking
parents back to basics, beginning with breaking through the fears all parents
have for their children that keep them worried and hovering over them.
Parents become more confident and
able to do what it takes (including what feels tough) to raise self-sufficient,
confident, resilient kids. Fern teaches
parents to align words, decisions, values and actions to feel more in control;
to stop send-guessing themselves; to hear and be heard; and to set the limits
and high expectations that will prepare their children to be successful in high
school, college and beyond.

Doug Goldstein

Doug Goldstein is a shareholder with Spector & Ehrenworth, P.C., a business and bankruptcy boutique law firm based in Florham Park, New Jersey. Doug has been practicing law with Spector & Ehrenworth, P.C. since 2002.

Doug has in-depth experience in a wide range of legal matters, ranging from commercial and consumer bankruptcy to business litigation and creditor/debtor rights. He focuses on understanding the client’s problem and reaching outside the obvious to find a better solution.

From 2006 through 2013, Doug has been selected annually in New Jersey Monthly as a Super Lawyers "Rising Star" in the fields of Bankruptcy Law and Creditor and Debtor Rights. Each year, only 2.5 percent of New Jersey attorneys receive "Rising Star" status. "Rising Stars" are determined through a competitive evaluation of attorneys either in practice for 10 years or less, or 40 years old or younger.(1)


The George Washington University Law School, J.D., 1998; Cornell University, B.S., 1995

Bar Admissions:

New Jersey, New York, Maryland, District of Columbia, Supreme Court of the United States, United States Court of Appeals for the Second Circuit, United States District Courts for the District of New Jersey, Southern and Eastern Districts of New York, District of Maryland, and District of Columbia.

(1) No aspect of this advertisement has been approved by the Supreme Court of New Jersey.

Helene Strumeyer

Sales and Leasing
Helene specializes in Sales and Leasing of Office and Industrial property in New Jersey. She assists US and International companies expanding in & to NJ in search of warehouse and/or office facilities.

Helene is known for her tenacity, and problem solving approach, which she brings to all of her commercial real estate transactions.

Helene obtained her Master’s Degree in International Relations and International Economics from The Johns Hopkins University School of Advanced International Studies (SAIS). She has resided in Switzerland, Italy and Israel. For over a decade, she worked as an international public relations executive. In that capacity she counseled: The North American Economic Mission of the Government of Israel, The Government of Iceland, and the Government of the Philippines.
Helene understands the subtleties necessary to navigate in the International arena, and has a comfort level with international executives. This was recently demonstrated when one of the largest energy companies in Europe choose Mrs. Strumeyer to represent the firm in their search for their first U.S. office/warehouse.

Mrs. Strumeyer is a member of the International Business Council of the Meadowlands Chamber of commerce. She has lived in Bergen County, and currently resides in Passaic Park, NJ.

Specialties: Office and Warehouse Leasing and Sales
Real Estate Assessment
Government Liasion

Paul Morris

Principal, Paul Morris Associates, Inc.
Paul holds a BS from the City
College of NY in Engineering & Math. Paul finished his 11 years in IT as
Systems and Programming Manager for ADP in their Brokerage Services division.
Then after 15 years in IT sales with such companies as Computer Sciences Corp.
and Wang Labs, Paul started and ran of his own Corporate Training enterprise
designing and selling state of the art classroom and Computer Based training
solutions to Fortune 500 companies based on the Accelerated Learning training
paradigm. For more than thirty-five years, Mr. Morris studied extensively in
the fields of human development, behavior and human potential. Paul now serves
the private and business community by utilizing his training and human
potential techniques.

Stacey Plichta, ScD, CPH

Professor of Public Health
Stacey B. Plichta is a Professor of Public Health at the City University of New York (CUNY) School of Public Health and Campus Director for the Hunter College based Bachelor’s and Master’s programs.
Professor Plichta has worked in academia for over 20 years teaching, advising students and conducting her own research. Prior to coming to the CUNY School of Public Health, she was a Department Chair at Old Dominion University in Norfolk, VA. She has served on numerous academic committees, including Admissions Committees, for over 18 years. Professor Plichta has over 30 publications and has presented at numerous professional conferences. Her work focuses on how the health care system can help those who have been harmed by violence. She is married with two daughters, one who will be applying to college next year. Professor Plichta holds a doctorate in science (ScD) from the Johns Hopkins University School of Hygiene and Public Health and also completed a post-doctoral fellowship at Yale University.

Contributing Authors


“Stop My Crisis with Vivian Gaspar," nominated for Best TV Interview Talk Show, brings to our viewers easy to follow crisis resolving information via guest interviews. Our guests help viewers to take steps to solving immediate crises. Guests are specifically chosen for their high levels of expertise in complimentary fields to one another per episode in order to interact in such a way to bring out more topical and timely aspects of the theme of each episode.