Retirement Planning Without the Panic
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This article by was prepared for the October 15, 2003 edition of U.S. 1 Newspaper. All rights reserved.
Writers Conference: Best of Times…
d>Christopher Klim is not yet a household name,
but the Lambertville-based writer insists that “I am a typical
successful writer.” The author of “A Jesus Lives in Trenton,”
a novel that has sold 8,000 copies, Klim is working on a sequel, “Everything
Burns,” due out early next year, and a screenplay. He has published
a non-fiction book, teaches writing at three community colleges, writes
magazine articles, edits books for major publishing houses, and acts
as an editor and writing mentor for aspiring authors.
“Stephen King is unusual,” he says. The lives of most people
who want to be writers, and who succeed, will look a lot like his.
It is a good life, if financially lean, a life in which family is
well-integrated, and in which tomorrow is full of promise. If he sells
the screenplay, “that’s $500,000,” he says.
Klim is organizing the Conference Center at Mercer’s first Contemporary
Writer’s Conference. It takes place on Saturday, October 18, at 8:30
a.m. at the conference center on the West Windsor campus of Mercer
County Community College. The full-day event features workshops by
John Timpane, contributor to The Philadelphia Inquirer and author
of Poetry for Dummies; Melanie Mannarino, editor/contributor
to Marie Claire and Seventeen magazines; Mark Drucker, journalist
for CBS radio network; Juilene McKnight, author of Daughter
of Ireland, I am of Urelaunde; Rob Robertson, agent, Princeton
Literary Magazine, former Doubleday editor; Frank Finale, poetry
editor of The New Renaissance, Without Halos, and Under a Gull’s Wing;
Kathye Fetsko Petrie, magazine editor and author of the children’s
book, Flying Jack; Rich Hedden, commercial graphic artist, creator
of the comic series, Roach Mill; and Ed Schockley, author of
over 50 plays, including Bessie Smith: Empress of the Blues. Cost:
$95. Call 609-586-9446.
“The first thing I learned in promotion,” says Klim, “is
that people come to the author first, and then the book.” When
he is interviewed, his intro goes something like this, “He’s the
ex-space physicist turned father.”
Klim always wanted to be a writer, but followed a not-uncommonly circuitous
route to become one. The trip has been shaped by a shuttle disaster,
the invention of electronic junk mail, long, lonely nights in flea-bag
Panhandle hotels, and the birth of his first child.
Klim grew up in and around Trenton, graduated from Rutgers in 1984,
and holds a master’s degree in computer science and physics from the
New Jersey Institute of Technology. He worked on a variety of space
projects, including the Mars Observer, for RCA, and hoped to get on
a space shuttle as a support specialist. He was on track to do just
that when the Challenger exploded. The tragedy’s effects reached well
into the space program. “The whole industry went to hell after
the shuttle blew up,” he says.
Klim moved on to the commercial sector at about that time, landing
a job with Xpedite, a Tinton Falls-based company that pioneered what
it calls the “automated distribution of communications.” When
he started, mass communications were going out by fax — very inefficiently.
“I was in on the invention of junk E-mail,” Klim recounts.
“I was there the day it was invented.” Although the junk going
out in those just-pre-Internet days was still on paper. “Out biggest
client was Citibank,” he recounts. He and his Xpedite team were
visiting just as the day’s mortgage rate sheets were going out. “We
watched 50 secretaries standing in front of fax machines sending out
the exact same thing,” he says of the ah-hah moment.
Shortly thereafter, the automated fax was born.
Xpedite thought the next big thing would be PC-to-PC communications,
but, says Klim, “it never took off.” What did take off, with
the speed of a shuttle on steroids, was, of course, junk E-mail. At
Xpedite, he also followed the birth of a mass communications technology
that is even more hated by the masses: Junk voicemail.
On sales trips, Klim spent a good amount of time traveling I-10 along
the Panhandle of Florida and into Texas. Staying at “God-awful
motels,” he by-passed the common pastimes of his fellows —
“being a drunk or watching TV” — and wrote.
Writing remained a part-time occupation for Klim until his first child
was born in 1996. He and his wife, who is in sales for Xpedite, decided
they did not want their child to be raised by a stranger. In deciding
which parent would stay at home, the couple took into account that
he wanted to be a serious writer and that she was making more money.
Klim became stay-at-home dad. The couple now have two children, and
he writes around their schedule.
The family’s income was cut in half by their decision to keep a parent
in the house, but Klim shrugs at the effects. “You just live differently,”
he says. “You don’t live an extravagant lifestyle.” He grew
up poor, and says “you can adjust your lifestyle to anything.”
Likewise, you can fit writing into your life, and build toward success,
part time or full time. Here are excerpts from Write to Publish (Hopewell
Press), his book of advice for writers.
Searching for story. Most writers are storytellers frombirth. They construct scenes in their heads, like theatrical plays.They dissect events, searching for the dramatic core. At the start,they aren’t thinking about book contracts and publishing deadlines,but they imagine their stories being heard by the public and garneringa response.Crafting a writing life. This is another habit of a workingwriter. He writes every day, on schedule, regardless of family, orillness, or weather. He gives his best hours to the process. Thissounds demanding, but a writer can’t think of a better way to spendhis time. Regardless of his career path, he returns to writing. Evenas publishers’ rejection slips pile on his desk, he cannot ignorethe facts. He feels compelled to write.Setting up a writing space. After committing to a regularwriting schedule, create a writer friendly environment. Rent an officeor set aside a corner of your home. Make it as plain as possible.”A gorgeous view opens beyond my office window, but I positionedthe desk so that I can’t see it while I’m working,” writes Klimin his book.Working toward goals. Envision your short and long termgoals. Put names to them and build a list. Replace vague desires withconcrete goals. Attach proposed dates to your goals. If you fall short,forgive yourself and regroup, but remember to reach high. You cannotreach your grandest dreams if you never give them a name.Constantly revising. All fine writing is a result of rewriting.Another important precept of writing is that all drafts are bad. Badis a general category, ranging from not too bad to pretty damn bad.In draft work, writers sometimes deliver lines that are pretty damnbad. An honest writer admits that the draft process is an inescapableflirtation with disaster. As he attempts to elevate his prose, hesometimes misses and suffers a bad fall. That is expected. The revisionprocess exists to recognize the fall and mop up the mess.Getting past rejection. Along the path to publishing,writers collect untold numbers of rejections. Notes Klim: “Mypath was no different. I was not a literary insider. I earned no degreesin fine arts, journalism, or literature, and I never labored insidea publishing house, yet I gained valuable experience and success ineach of those areas. I waded through countless rejections and soughtthe help of a trusted mentor. I concentrated on the craft and artof storytelling and learned to trust my instincts.”An aspiring writer should cast off discouragement. Regardless of theendeavor, the path to success is riddled with uninspired individualswho will say “no, no, and no.” Eventually someone will say”yes” or lend a helping hand.Sizing up Mecca. Publishing is primarily a business, andthe bulk of it exists in Manhattan. Don’t think a publishing housewill do anything that you cannot do for yourself. They will not fixbad grammar, chubby plots, or stilted characters. An author needsto deliver a watertight story and get it to the right people. Therest is fate and luck, and as successful businessmen say, we createour own luck. A solid story creates a lot of luck for a writer.From an industry perspective, a good book is a book that sells. Ifyou read the publishing trade journals or spend an afternoon in abookstore, you’ll observe the following. The cover of the book enticesa reader to pull it from the shelf. The first page and author photosell the book. Talk to anyone in the business, and they know this.It is the contents of the book that sells the author’s next book.Publishing people mimic the reading habits of common readers. Rightnow, editors and agents are searching for the most compelling manuscripts,but they must work within the needs of the business. It pays theirsalaries and finances the office coffeemaker. A book must sell, anda book is sold when a reader decides to take it home.Top Of PageUp With Women:Prosperity ListeningIt was an impressive group, those three dozen peoplewho sat in a big square at the Lafayette Yard Marriott on a Septembermorning. Adam Pechter, CEO of Prosperity New Jersey, had conveneda taskforce to firm up the plans for a major women’s conference inOctober. Present were such notables as Congressman Rush Holt,Caren Franzini (CEO of the New Jersey Economic Development Authority),and Kent Manahan, the news anchor at New Jersey Network.The breakfast meeting produced some hot-and-heavy discussion plussome good listening: Pechter walked in with one idea for the conference,but he and his conference planner Michael Walker walked outwith a completely different idea. After listening to what the womenbusiness owners had to say, Pechter changed the tune he had plannedto play at the conference. Instead of gearing the conference to newbiesand wanna-bes — women who want to be entrepreneurs or who arehave just opened their business — the conference would be slantedto more experienced women entrepreneurs seeking ways to grow theirbusinesses.”Prosperity listened to us,” says Shari M. Blecher,whose environmental law firm, Lieberman & Blecher, is located at JeffersonPlaza and who will be a panelist at the conference. “We said therewere many classes to help us get started, but that we need peopletelling us how to operate at a higher level, how to create the relationshipsthat we need.””This isn’t the entry level symposium for every entrepreneur,”says Blecher. “While new entrepreneurs certainly can learn a lot,this will be more focused on the business owner looking to land thelarger business deals, or work with the government, or work with largercorporations. I think it will be an exciting symposium, a creativeand fertile opportunity for leading women and business owners in NewJersey.”This conference is one of three dedicated to women’s issues —beginning on Thursday, October 23. The Prosperity New Jersey panel,entitled “Women Rising in New Jersey: a symposium for women andbusiness in the new economy,” is set for Monday, October 27, from8 a.m. to 12:30 p.m. at Forsgate Country Club. In addition to a closingkeynote speech by Governor James E. McGreevey, there will beremarks by Pechter, Holt, CEO of New Jersey Commerce & Economic GrowthCommission William D. Watley, and a keynote speech by SuzanneC. Pease, president of the National Association of Women BusinessOwners. Then Manahan will chair a 10-woman panel. It’s all free forthose who register, but space is limited. Call 609-984-4924.Bracketing the free Prosperity New Jersey symposium, Mercer CountyCommunity College and the New Jersey Technology Council focus on workshopsfor women. MCCC partners with the Small Business Development Centerat the College of New Jersey for “Women in Business: DevelopingPowerhouse Strategies,” set for Thursday, October 23, at 9 a.m.Cost: $125. Call 609-586-9456.NJTC has scheduled “Women in Technology Network: Roundtable Discussion,”an interactive look at a variety of issues faced by women in technologycompanies, for Wednesday, October 29, at 8:30 a.m. at Wachovia InsuranceServices, 499 Thornall Street, Edison. Cost: $40. Call 856-787-9700.If Prosperity New Jersey was listening to what the womenon the taskforce were saying, so did the keynote speaker, Pease. “Icame out of that meeting and wrote the speech right then,” saysPease, whose business, Ampersand Graphics, is based in Morganville.Referring to a favorite slogan “We are your market, make us yourvendor,” she will quote the statistics about women having 85 percentof the purchasing power and conclude that smart firms should buy morefrom women-owned businesses.But she will also challenge women. “At that taskforce meetingI saw some posturing from need rather than power. We have the economicpower but are not using it. In addition to our purchasing power, womenhave more voting power (more women voters than men) and employingpower (one fourth of all workers work for women business owners).It is time to move from a position of disadvantage. We may have beendisadvantaged for these years but let’s get over it and move forward.””If we constantly look at obstacles, it doesn’t change them,”says Pease. “We need to spend time on how we get around them,over them, through them, and work from whatever base we have and build.Look at what’s working and do more of it.”Underneath the drama of women entrepreneurs arguing over what shouldbe presented at the conference was another subtext, a smaller drama.When Pease took office as president of the National Association ofWomen Business Owners (NAWBO), that organization included the nearly1,000-member state organization, New Jersey Association of Women BusinessOwners (NJAWBO). But last December NJAWBO broke away from NAWBO. Suddenlyshe became the president of a national organization with no representationin her own state. Pease has had to draw on her own philosophy of “Ifyou can’t change it then you have to move on.Pease, who still retains her membership in the state organization,attributes the break to too many layers of communication between thenational organization and the state members. “There is a needfor a state association, but the communication tree needs not to beso long.” She is philosophical about what she needs to do; shehas set about starting new chapters and has chartered three in NewJersey so far. “I’m hoping that five years down the road thatthe two organizations will come back together in some form.””It is time to say that everyone has disadvantages — whetherfrom gender, learning disabilities, bankruptcy, or the effect of September11. It is not going to change things to feel like you are owed something.Certainly there are things the government should and could do to rectifyinadequacies. That doesn’t eliminate the responsibility of the businessowner for doing her own marketing, for fulfilling the business promisesthat her brand has created to the best of her ability.”She cites a contracting officer who is frustrated by women who don’tdo their homework and ask for contracts they are not prepared to fulfill.”Part of NAWBO’s job is to be there for advocacy but also to givewomen the tools to compete,” says Pease.Some of the panelists are also in positions where theycan help train and encourage women entrepreneurs. For instance, CarenFranzini is CEO of the New Jersey Economic Development Authority,which has various loan and study programs. Renee Jordan, a loanofficer at Commerce Bank, can tell about Small Business Administrationloans.Joan Verplanck, president of the New Jersey State Chamber, andAnn Sullivan, a federal legislative consultant with an organizationcalled Women Impacting Public Policy, can be expected to urge womenentrepreneurs to press their issues with lawmakers.Marlene J. Pagley-Waldock, president of the New Jersey WomenBusiness Owners, was recently quoted in U.S. 1 on the topic of selfmarketing (“Sell Yourself, Not the Deal,” October 8). Amongthose representing women entrepreneurs with one or two person businessesare Freda Howard, who for nine years has had a corporate giftbusiness, and Gloria Bryant of the Writing Company.Leanna R. Fournier, in contrast, has a Camden-based firm, ProvidencePediatric Medical Daycare, that in three years has grown to 75 employeesand three sites, and is an activist in the field of healthcare policy.Elsa DiGemma will represent the corporate world. As regionalcontroller, she supervises 16 workers at Enterprise Rent-A-Car. DiGemmacame to the United States from the Philippines about 20 years agoand has been with Enterprise ever since.DiGemma can be expected to echo Pease’s keynote challenge by saying,don’t do business as a minority or a woman. “I never conductedbusiness with the idea that I am going to do it as a minority or awoman, and I have never been discriminated against, because the Enterpriseculture promotes diversity and provides opportunities to everyone,”says DiGemma. “My advice to women would be, `Don’t think aboutbeing a minority, just perform to the best of your abilities’.”— Barbara FoxMCCC and TCNJ SBDC , Mercer County Community College, 609-586-9446.”Women in Business: Developing Powerhouse Strategies.” $125.Thursday, October 23, 9 a.m.Prosperity New Jersey , Forsgate Country Club, 609-984-4924.”Women Rising in New Jersey: Women and Business in the New Economy.”Free by registration. Monday, October 27, 8 a.m.New Jersey Technology Council , Wachovia Insurance Services,499 Thornall Street, Edison, 856-787-9700. “Women in TechnologyNetwork: Roundtable Discussion,” $40. Wednesday, October 29,8:30 a.m.Top Of PageGrowth ShowcaseSeven area companies will be represented at at New JerseyTechnology Council’s Growth Company Showcase on Thursday, October23, at the Jersey City Hyatt, 8 to 1:p.m. Greg Hanson, headof technology banking at Wachovia Bank, will be the keynote luncheonspeaker. Cost: $75. Call 856-787-9700.New Jersey State Treasurer John McCormac will discuss opportunitiesin an afternoon meeting open only to angel investors, venture capitalists,and investment bankers.CEOs and CFOs of 30 regional public and private technology companieswill make presentations.Princeton area participating companies: Aereon Solutions and Quantivaat Princeton Forrestal Village, Barrier Therapeutics at Overlook Center,Digital 5 at Quakerbridge Executive Center, MicroDose Technologieson Route 1 North in Monmouth Junction, StatementOne on Lenox Drive,and NanoOpto Corp., with technology developed at Princeton Universitybut located in Somerset.Top Of PageRetirement Planning Without the PanicGoing to work every day to earn a paycheck can be wearing,even downright miserable, but letting go of that tether can be positivelyterrifying. “The biggest concern for people about to retire iscash,” says Eleanore Szymanski, a certified financial planner.”People are used to looking at income as where the money is comingfrom.” Contemplating a life without paydays is harrowing, shesays, because “”people are thinking income, when they shouldbe thinking cash.”Szymanski, co-founder of EKS Associates on Ewing Street (eksassoc@erols.com),talks about just how much cash is needed for a comfortable retirement,and about where the cash will come from, when she appears at the PrincetonSenior Resource Center’s “Legal and Financial Plans for the FutureDay” on Saturday, October 25, beginning at 9 a.m. at the SuzannePaterson Center. Cost: $40. Call 609-924-7108.Szymanski, who studied accounting at Rider, founded EKS Associates,along with Lisa Jantorno, who also speaks at the event, 20 yearsago. Prior to that, the Pennsylvania native worked in the venturecapital industry for 10 years.The biggest failure in retirement planning, she says, is not doingthe planning at all. This is a common sin. “People in generalaren’t prepared for retirement,” she says. “People in their60s didn’t expect to get old.” She likes to see people start acomprehensive plan 10 years out, when there are still plenty of options.Her straight forward advice cuts through the barrage of “Can YouReally Afford to Retire on $1 Million?” articles that pop up everymonth or so in the personal finance press. A lot of the panic is unnecessary,she says, and a lot of the high-wattage advice being peddled in themedia is wrong.Figure out what you will need. “If you’re spending$60,000, you won’t need quite that much in retirement,” she says.There will be no more Social Security tax, for one thing, and those401 (k) contributions will stop. Otherwise, though, expect spendingafter work to be about the same as it is while you are punching theclock.No, there will not be a commuter ticket, and there will be a lot feweroutlays for suits and wing tips, but Szymanski says that travel, entertainment,and trips to see the grandchildren will slip right in to fill thevoid.The first step, then, is adding up what you spend. It will tell youhow much cash you will need.Locate the cash. Remember that your savings will not haveto work alone in carrying your retirement. There will be Social Securityand there may be a pension. Add up these amounts, and subtract themfrom your expenses. The result will be the cash you will have to findto continue to live the lifestyle you enjoy.Don’t rush into fixed instruments. Thinking income, income,income, many panicked retirees turn their nest eggs into annuitiesor put them all in bonds. This is a natural reaction to the loss ofthe cash-the-paycheck ritual. But it is severely limiting, allowsfor precious little upside, and does not take account of the effectsof inflation. Resist the urge.Build a ladder. Fill in the gap between expenses and SocialSecurity and pension income by taking a section of the nest egg, perhapsa quarter, and purchasing bonds of varying maturities, up to eightor ten years. Cash one in a year.There your need for income is met, and the majority of your nest egghasn’t had to come into play.Invest. “People think retirement is the end of investing,”observes Szymanski. But, no, she says, it’s just the beginning. “Whatare you going to do, retire and die?” she asks. Recent retirees,even those who did not take early retirement, may well live for another30 years — or more. The world will continue revolving, and it’sa good bet that inflation will roll right along with it.Aiming for steady income is not enough. The nest egg must work hardto provide for expenses way down the road.Take advantage of the dividend tax break. Large cap stocksare the foundation of an equities portfolio. That being the case,Szymanski says they might as well be stocks that pay dividends. Legislationpassed this year taxes dividends at the capital gains rate, ratherthan the rate for ordinary income, providing a tax break. Also, dividendsare a relatively sure thing, meaning that companies are paying theirstockholders upfront, a prospect she says many find comforting whencorporate scandals rage.Keep working. Some of Szymanski’s clients are realizingthat they have to choose between giving up on their retirement plansand working a bit longer to fund them. The latter is a good idea,particularly when the work is enjoyable.”I love my work,” she says. “I’m not ever going to retire.”Those who share her sentiment should be in no hurry to collect a goldwatch. More time in the workforce generally means a bigger 401 (k),a more generous pension, and higher Social Security payments. It alsomeans fewer years that need to be funded from savings.It is tempting to think of retiring, taking some time off, and thenre-entering the workforce. Be careful, says Szymanski. “It’s noteasy to get back in. There is job discrimination all over the place.”Don’t worry about the mortgage. An extremely popular TVfinancial guru is urging one and all to hurry up and pay off theirmortgages. Nonsense, says Szymanski, pointing out that the deductionfor mortgage interest is the best tax break of all for most people.”If you can get yourself a nice 6 percent mortgage,” she says,”that’s really 4 percent. If you can earn more on the money, you’reahead of the game.”Don’t rush to leave home. Retirement is a huge wrenchfor most people. Don’t make it worse by uprooting yourself. New Jerseyis an expensive place to live, Szymanski concedes, and many peopledo decide to stretch their money in a less pricey state. If you decidethat you want to head for the sun, do so in stages, and wait at leasta year before making a drastic move.Plan ahead, seek prudent advice, and you will be free to leaveanxiety at your desk, no matter where you choose to retire.Top Of PageCorporate Angelsd>Ethicon, a Johnson & Johnson company, has beennamed Outstanding Corporation by the 2003 New Jersey Conference onPhilanthropy.Ethicon was recognized for supporting the Somerset Medical CenterFoundation and Association of Fundraising Professionals’ Youth inPhilanthropy program through funding, volunteers, and in-kind contributionsof products and facilities, and also for its philanthropic activitiesthroughout New Jersey.Recipients of the company’s outreach include Muhlenberg Regional MedicalCenter, the YWCA’s TWIN program, United Way, the Susan G. Komen Foundation,the Upper Raritan Watershed Association, and the American Red Cross.The Lockheed Martin Corporation has collaborated withThomas Edison State College and the New Jersey Historical Societyin sponsoring “Furniture, Curios & Pictures: 100 Years of Collectingby the Old Barracks Association,” a show at the Old Barracks Museum.The show will run all year long.According to Vivian Lea Stevens, curator of the museum, the goal ofthe exhibit is to illustrate the progression of the collection asa whole. It aims to examine and salute the efforts of the past, toshowcase the collection, and to look toward future growth.The exhibit features several sections that demonstrate how museumpractices have evolved during the past century. Stevens opted to displaya portion of the museum’s household antiques alongside military artifacts.Visitors may view a collection of six firearms that show the advancementof rifles during the Revolutionary War. Also displayed is an extensivecollection of samplers of the era, constructed by women from the NewJersey and Pennsylvania region. Of special interest is a 1774 Broadside,the Revolutionary War equivalent of junk mail.Members of the New Jersey Regional Council of Carpentersteamed up with the 2003 Jerry Lewis Telethon, which raised more than$6.6 million for the Muscular Dystrophy Association, by taking callsthroughout the annual WWOR-TV broadcast.In addition, the New Jersey Carpenter Contractor Trust sponsoreda fundraiser entitled “The Shirts Off Their Backs” at a recentJets football game to raise an additional $30,000 for the MuscularDystrophy Association.The Children’s Futures Initiative has awarded $6.5 millionto 14 Mercer County non-profits whose efforts are focused on improvingthe lives of infants, toddlers, and parents in Trenton.Catholic Charities, Children’s Home Society of New Jersey, MercerStreet Friends, and St. Francis Hospital each have been awarded $1,035,000to establish family-friendly activities focused on increasing accessto prenatal care and strengthening parenting at four neighborhoodparent-child centers in Trenton.Union Industrial Home for Children has been awarded $675,000 to encourageand sustain positive involvement of fathers in early childhood. ChildCare Connection has been awarded $1.2 million to continue qualityimprovement efforts with child care centers and family child carehomes in Trenton. Greater Trenton Behavioral Health has been awarded$360,000.Another seven organization were awarded $10,000 each as a result oftheir involvement in a Children’s Futures Capacity Building GrantsProgram geared to increase the effectiveness of non-profit organizationsworking in early childhood-related areas. Agencies receiving theseawards include Camp Fire USA, Princeton Deliverance Center, TrentonHead Start, and Interfaith Caregivers of Trenton’s Faith in Actionprogram.The New Jersey Society of Certified Public Accountantsoffers scholarships each year to New Jersey high school and collegestudents pursuing a CPA career path.For this school year, the society has awarded $275,000 to 80 New Jerseystudents.The scholarships are awarded based on an exam, which is scheduledfor Saturday and Sunday, November 15 and 16 this year. The scholarshipsare presented as five-year awards and total up to $8,500.To complete an application form for the exam and for more informationvisit www.njscpa.org/scholarships or call 973-226-4494.The National Association of Professionals Organizers sponsoredits annual GO (Get Organized) Week last week. A group of Princetonarea organizers came together to organize the East Trenton CenterFood Pantry and the YWCA Childcare Center’s library, supply center,and donation process.The Wachovia Foundation has given a $5,000 grant in supportof Leadership Trenton, a collaboration of Thomas Edison College andthe Partnership for New Jersey that seeks to train adults to takeleadership roles in the city, and in support of its future.Top Of PageVolunteer PleaseLawrenceville Main Street holds an information night fornew and interested volunteers on Monday, October 20, at 7:30 p.m.at the Main Street office, at 17 Phillips Avenue.The purpose of the event is to familiarize new and potential volunteerswith the group’s activities, which are focused on the revitalizationof the village. For more information, call Ann Garwig, executive director,at 609-219-930Corrections or additions?This page is published by PrincetonInfo.com— the web site for U.S. 1 Newspaper in Princeton, New Jersey.
