Corrections or additions?
These articles by Barbara Fox and Melinda Sherwood were published
in U.S. 1 Newspaper on November 3, 1999. All
Equitable is not the same as equal, and that’s a common
misconception among women who enter divorce litigation, says Sudha
Tiwari Kantor, an attorney with Stark and Stark at 993 Lenox Drive.
"In actuality, equitable means fair," says Kantor. Fairness
is determined case by individual case and by looking at the overall
picture of each family’s circumstances. Courts apply 15 factors, set
forth in a state law, to divide up assets and liabilities that the
parties accumulated during their marriage. These factors range from
the length of the marriage to the tax consequences of the property
Kantor is one of the attorneys conducting "What Every Woman Should
Know Before, During and After Her Divorce," on Wednesday, November
10 at the Stark & Stark Lenox Drive office and on Wednesday, November
17, at Freehold Gardens, both at 6:30 p.m. In addition to three
(including Maria P. Imbalzano and Frances M. Merritt
there will be financial planners (Neelam Jain of AXA Advisors,
Terri Simonds of Amper Politziner & Mattia, and Sharyn Maggio
of Rosenfarb Winters) plus therapists, Robert Rosenbaum of Bunker
Hill Consultation Center, and psychologists Henry Weistuch, Elaine
Hicks, and Amy Altenhaus.
The Stark and Stark program is geared towards women, says Kantor,
because "we don’t want husbands and wives to show up
but also because most of the inquiries come from women. "Men
have attorneys that are available to them or friends who are
A lot of women are thinking about divorce, but often they don’t have
access to informal consultation and they don’t have funds for money
o to their attorneys because every time they ask they get billed."
The seminar is free. Call 609-895-7307.
Born in New Delhi, Kantor moved to the U.S. at the age of six and
her family still resides in Cherry Hill. She received a BS in
science from Rutgers, Camden, Class of 1990, and a law degree from
Rutgers in 1993.
The stereotype of the rich divorcee, says Kantor, represents a select
few women, says Kantor. Women still stand to lose the most in a
particularly if they have spent some time out of the workforce.
to this day it’s the women who are lower income earners, and it’s
the women who are responsible for the day to day needs of the
she says. "When it comes to divorces, a woman’s quality of life
is more likely to decrease substantially and a man’s quality of life
to increase significantly." They lose more than income, she adds.
"They give up health insurance benefits and a retirement plan
Even if a woman retains a certain amount of assets, she says, they
can still get hit hard. "A lot of women don’t understand the tax
pitfalls of getting the house, that they have to pay capital gains
tax," she says.
Alimony is also taxed, and new laws and changing attitudes are
how these are awarded to women, says Kantor. "The changes that
I’ve seen occur in the last six years or so is that alimony is not
favored," she says. "Less and less alimony is awarded, and
fewer and fewer men are willing to pay."
Limited duration alimony — as opposed to permanent or
alimony — is still relatively new in the courts, and it allows
the court to set a termination date on alimony payment. It is
on a case by case basis, explains Kantor, taking into account the
following factors: a spouse’s need for living assistance, the ability
of the other party to pay, the duration of the marriage, the living
standard in the marriage, the joint acquisition of assets in capital
income, the history of the financial or non-financial contributions
to the marriage of the party, including contributions to the care
of children, and other income available to each party from other
The court can also determine a spouse’s eligibility for alimony, and
set the criteria, based on his or her age, physical and emotional
health, earning capacity and employability (based on absence from
the job market or training involved), education, parental
and the likelihood that he or she can maintain a reasonably comparable
standard of living after divorce.
Men are not the only ones who typically leave the courtroom unhappy,
says Kantor. "Women don’t walk away very happy either," she
says. "When the parties are educated about what the laws are,
then their expectation isn’t like what happened on LA Law. They’re
more realistic. If he’s making $68,000 and she’s capable of making
$50,000, they’ve been married for a long time, and he’s accepted that
she’s not a worker, and that’s how they’ve developed their marital
enterprise, then that will continue basically. He will have to expect
that they will live off his $68,000."
But a woman in her 30s who in a five-year marriage has two kids and
a degree in computer science is not going to get alimony for the rest
of her life. "She will get some help to reestablish herself in
the workforce, but she can’t sit back and watch TV. Now, depending
on her age, the court is going to say, `Look you had it good for all
of those years, so now you’re going to have to think about what you’re
going to do with your future.’"
As retailers get revved up for a holiday season of
— the latest word is that footwear companies are finding Web sales
to be very profitable — two E-commerce seminars are scheduled.
Technology New Jersey has an ongoing series at Mercer County College,
and Amper Politziner Mattia has scheduled a seminar in Edison. A
of the accounting firm, Amper Consulting, presents "Effective
Implementations of E-commerce/E-business," on Thursday, November
11, at 8 a.m. at the Pines Manor in Edison. Call 732-287-7849 for
"Unlocking Your E-Commerce Potential," is the topic for
Williams of Sun-Netscape Alliance, and Phyllis Michaelides
of AlliedSignal Inc., on Wednesday, November 10, at 8 a.m. at Mercer
County College. Cost: $45 for those who are not TNJ members. Call
Technology New Jersey at 609-419-4444.
Michaelides is manager of technology strategy and architecture
information systems. In "Building a unified E-commerce
now and into the future," she will cover everything from
to handheld devices.
Williams is principal strategist of Worldwide Strategic Consulting
for the Alliance, formed last March between American Online and Sun
Microsystems. Its mission is to help companies "realize their
Net Economy vision — putting the power of the Internet in their
hands with the broadest and best Internet infrastructure and
software and professional services."
Williams has been a consultant at Ernst & Young and another
consulting firm. Working with senior executives at companies ranging
from Fortune 50s to start-ups, she has consulted on how to
a business and operations with E-business. She has also developed
digital strategies. Among her pointers:
will impact your entire enterprise. It is more than just a web page.
Align it with your traditional business, tying in your front and back
in your traditional setting. Toys R S was very much focused on
their traditional business, and now it is rethinking its strategy.
100 percent worked out. Barnes & Noble is a good example; it will
have a difficult time catching up with Amazon.com. The first mover
advantage is very important in the Internet setting.
Honest mistakes in Medicare billing can result in a
$10,000 fine, says Robert Schultz, vice president of Princeton
Insurance Company, on Alexander Road. The firm is sponsoring a free
seminar, "Government Billing: What Every Physician Should
on Wednesday, November 10, in Cherry Hill. It will be repeated on
November 11 in Whippany and on November 18 in Absecon. Call Sandy
Schulz at 609-734-8461 for a reservation.
Whistle blower rewards of up to $1,000 encourage Medicare
to report unscrupulous billing, whether real or perceived. Meanwhile,
risk assessment software, which looks for likely candidates for
agencies to audit, does not distinguish between honest and dishonest
practitioners. His suggestions:
training, and education of staff, self-auditing, and designing a
officer. Hire a consultant for about $1,000 to $1,500 or look for
advice from the American Medical Association
patients and ask if they are legible, if documentation supports the
billing code, if the diagnosis matches the billing code, if the doctor
signed and dated notes for each visit. Is the patient identified by
birth date or account number as well as name?
For every $1 the government spends on audits and legal costs it is
Princeton Insurance Company attaches "government billing errors
and omissions" coverage to its New Jersey physician and surgeon
medical malpractice policies. It provides up to $50,000 in legal
coverage for inadvertent billing errors but does not cover claims
of intentional fraud.
Simple as PIE?
The problem with marketers today is there is a lot of
implementation but very little planning and evaluation. "Too many
people skip over the planning and want to jump right to the
the ready, go, get set syndrome" says Brian Jud, president
of Marketing Directions Inc.
There should be an organized approach to product promotion, Jud feels,
who uses the acronym "PIE" to illustrate three tenets of
Planning, Implementation, and Evaluation. Jud will be extolling the
virtues of the "PIE" approach at the upcoming New Jersey
Advertising, & Marketing Association (CAMA) meeting scheduled for
Thursday, November 11, at 11:30 a.m. at the Doral Forrestal Hotel.
Call 609-890-9207. Cost is $25 for members and $35 for non-members.
Jud’s firm helps authors and book publishers with every part of the
publishing process, from editing, cover design, layout, printing,
planning, and promotion. Jud feels that the best publicity is the
kind that’s free. "I try to emphasize to my clients the value
of having third party credibility," says Jud. Look at potential
opportunities from a reporter’s perspective. "Position your
or client to provide information that is useful to the reporters
Jud has written several career transition books and hosts the Book
Authority, a cable access television show on the book business. Jud
has also produced a video program entitled "You’re On the
featuring producers from Good Morning America, Larry King Live, and
CNBC and focussing on ways to garner media coverage and credibility
as an expert news source. "An association of civil engineers used
the tape series to help position themselves as experts on building
structure issues. The goal would be that the local media would seek
comment from a civil engineer following a bridge collapse, for
There are many "little" things companies can do to keep their
names in front of the press. Sometimes that can be as simple as
sending out press releases on client or company activities. But a
lack of coordination can derail even the best creative efforts. Jud
points out the importance of bringing together all aspects of a
plan: advertising, publicity, sales promotion (direct mail and
items) and personal selling (trade shows). "If I’m doing a book
promotion in Albuquerque and the book I’m promoting is not yet in
the bookstores there, it defeats the whole plan."
Jud is a 1972 graduate of the University of Cincinnati and has an
MBA from Xavier. A resident of Avon, Connecticut, Jud has a background
of 20 years in corporate sales and marketing positions — starting
with Xerox. "That was really great sales training to have right
out of the box," said Jud. After Xerox, Jud held several other
sales and marketing positions before starting his own advertising
agency in Ohio. In 1980 Jud moved to Connecticut to join a Hartford
area agency, Mintz and Hoke. He started Marketing Directions in 1990.
Words to the marketing-wise? " I can’t emphasize enough the
of planning, of coordinated planning that is goal oriented and
Good marketing can be as simple as pie but not as easy."
— Jeff Lippincott
A mix of charity and shopping and entertainment is
for Saturday, November 13, at Borders Books & Music when Princeton
Chamber members can get a 20 percent discount off purchases. Each
purchase of books or music will benefit the Habitat for Humanity of
the Trenton Area. And live entertainment is scheduled for all day
long: a story hour at 11 a.m., followed by magician Ed Smoot
at 1 p.m. and a booksigning by Eileen Marx, author of "Weaving
Faith and Family" at 2:30 p.m." An interactive musical performance
for children is at 4 p.m., Larry Garland plays pops at 5 p.m.,
and Vince DiMura offers jazz at 7:30 p.m. Sales continue to
In order to get the discount you have to get special coupons. Call
the chamber at 609-520-1776 or Kathryn Orrick at 609-514-0029
to order the coupons. Provide the business name, address, phone,
person, and number of employees who need coupons. Borders will mail
the coupons to you.
Rick Savone is the new Canadian Consul and Trade
Commissioner in Princeton, and on Thursday, November 4, he is hosting
an invitation-only reception to help launch the Canadian-American
Chamber of Commerce. Michael B. Phillips, the Consult General
of Canada, will introduce the newest members of Canada’s regional
Business Development Team. Steven Richman, an attorney with
Gallagher, Briody & Butler, chairs the Canadian-American Chamber of
A native of Ottawa, Ontario, Savone majored in economics and business
at McGill, and worked in government before being recruited by the
Canadian Foreign Service. He served in Algeria, where he was
for political and immigration programs, and came to Princeton this
year. Like two previous consuls, he lives at 90 Westcott
E-mail: firstname.lastname@example.org). From there he operates
what is considered the satellite mission of the Canadian Consulate
General in New York (http://www.canapple.com).
Because New Jersey’s riches are in the brains of its scientists —
the state is said to have the highest concentration of scientific
brainpower in the nation — Savone’s export/import efforts will
concentrate on areas of biotechnology, information technology, and
New Jersey is indeed an exporting state — the ninth state in terms
of goods sent out of the country. Two-way trade between Canada and
New Jersey amounted to $6.7 billion worth of goods in 1997, and
to Canada amount to about 18 percent of the state’s total exports.
Of this, 27 percent of the exports to Canada or $826 million were
in the category of chemicals and allied products, such as plastics.
Other major categories were agricultural products ($399 including
$61 million of orange juice and concentrates), $342 million of
and household goods (including books), $353 million of transportation
equipment, and $173 million of other equipment and tools, including
$39 million of medical equipment.
New Jersey imports such Canadian products as metals and basic metals,
forest and agricultural products and seafood, equipment and office
machines. "There are about 20 Canadian firms with facilities in
New Jersey, and more than double that number of Canadian subsidiaries
of New Jersey companies," says Savone. "Through relationships
fostered by groups such as the Canadian-American Chamber of Commerce,
those numbers will grow."
Summit Bank is holding a forum on the Y2K problem on
Tuesday, November 9, at 9 a.m. at Brower Student Center of the College
of New Jersey. Participants in "New Jersey Y2K Community
include Wendy Rayner, chief information officer for New Jersey,
William Stone, vice president, Federal Reserve Bank of
and representatives of Summit Bank, PSE&G, and Bell Atlantic.
"There has been solid progress in meeting the Year 2000 technology
challenge, but the general public remains uncertain about banks and
other basic services," says Larry Betsinger, executive vice
president of Summit. "We hope to increase public confidence with
our `community conversation’ about the Y2K issue, an event we are
sponsoring as part of the national campaign advanced by the
Council on Year 2000 Conversion." Call 609-987-3148 for
Stephen V. Sashihara, president of Princeton
Consultants, hosted a preview party for 100 people for "Dreams
of Lumiere," the Eden Dreams fundraiser for January 22. Individual
tickets will be $300. As the primary corporate sponsor of the event,
Sashihara is encouraging those from small and mid-sized companies
to donate sponsorships of from $3,500 to $10,000. Those on the $5,000
level are members of the honorary committee and are entitled to
tickets, invitations to a VIP reception, and particular recognition
in the program booklet.
The New Jersey Environmentors Project seeks volunteers
to help high school students design a scientific research project
to address an environmental problem. When the seven-month program
is completed, the students present their fieldwork results to an
school class and at an EnvironMentors Fair. Volunteer mentors work
with matched pairs of Trenton Central and Princeton High students.
Those interested in becoming a mentor with the Princeton-based project
should contact Maureen Quinn at 609-252-1303, or Email:
For information see http://www.members.aol.com/njenvmntor.
No prior mentoring or research experience is needed.
Corrections or additions?
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