Gregg Roth/CEO

The Voice of North Jersey Business
2 nd Quarter 2012
Gregg Roth/CEO

Search Engine Optimization
Pay-Per-Click Advertising
Social Media Marketing
Corporate Branding
Web Development
Design
Print Solutions
If you’re not Optimized
for mobile, you are
losing Business.
64 Washington Street
Clark, New Jersey 07066
t: 800.239.4670 | f: 732.396.8403
creative@gopeerless.com | gopeerless.com
Learn more. Scan the code or visit
gopeerless.com from your mobile device.

North Jersey Regional
Chamber of Commerce
1033 Rt. 46 East, Suite A103, Clifton, NJ 07013
Phone: 973.470.9300 | Fax: 973.470.9245
www.njrcc.org | staff@njrcc.org
Officers
CHAIRMAN OF THE BOARD
Edward Kurbansade, Jr., Spencer Savings Bank
VICE-CHAIRMAN OF THE BOARD
Brian Murphy, Columbia Bank
PRESIDENT
Gloria Martini
VICE-CHAIRMAN
PROGRAM & SPECIAL EVENTS
Nina Nardone, Ajilon Finance
VICE-CHAIRMAN GOVERNMENTAL AFFAIRS
Alia Suqi, Nextwave Web
VICE-CHAIRMAN MEMBERSHIP
Howard Bersch, A-B Insurance
VICE-CHAIRMAN INTERNAL AFFAIRS
Daryl Bryant, Hudson Horizons
TREASURER
Robert B. Puleo, Dorfman Abrams Music, LLC
IMMEDIATE PAST CHAIRMAN
Leonard Carlucci, Oritani Bank
Directors
Robert Barbarino, Oritani Bank
Julian Carrera, Wireless Zone
John Chirico, Liberty Lincoln Mercury, Inc.
Alvaro Cordoba, TD Bank
Helen Cunning, Hackensack University
Medical Center
Sean Dias, Scarinci Hollenbeck
Joseph Dunn, Roche
Jim Feeney, Cartridge World of West Paterson
Seth Finkelstein, Ameriprise Financial
Jim Horan, Superior Exterminators
Nancy Iacobucci, Investor Savings Bank
George Jacobs, Jacobs Enterprises
Dawn Johnson, SimplexGrinnel
Sal Latella, W.B. Mason
Angela Montague, Downtown Clifton
Economic Development
George Niemczyk, Pascack Community Bank
Laura Pakhmonov, DeVry University
Robert Palumbo, Fragrance Resources
Linda Pinsky, Berkeley College
Richard Raad, Print CBF
Paul Rankin, UNO Chicago Grill
Jhovanny Rodriguez, Synetek Solutions
Carrie Ryan, Hanson & Ryan, Inc.
Josephine Scavone, Clifton Savings Bank
Everton Scott, Public Service Electric & Gas Co.
Kimberly Slezak, Data Access, Inc.
Eric Tomassi, M & T Bank
Carlos Vargas, Valley National Bank
Naoma Welk, Welk Ink
Staff
Gloria Martini, President
Brian Tangora, Vice President
Patricia Davis, Administrative Assistant
Business Matters
Publisher and Editor: Naoma Welk, Welk Ink
Graphic Design: Megangela Graphics LLC
Subscriptions are available at $45/year.
Contact Naoma Welk at naomawelk@aol.com
to purchase a subscription.
Welk Ink
306 Hartford Road, South Orange, NJ 07079
973.762.6243
Cover Photograph: Joanne Muerer
www.gopeerless.com
Tools for Professionals
We are pleased to introduce you to
Peerless Media Group, a company that
helps clients manage projects as basic as
printing marketing materials and sourcing
promotional products to developing
strategic integrated marketing plans
and promoting their businesses. Peerless
can also serve as a small company’s
marketing department.
This magazine is one example of
a Peerless project. For the past year,
Peerless has been printing Business
Matters; the quality of the magazine
properly reflects the membership and
activities of the NJRCC. I hope you enjoy
our cover story and learn how Peerless
can help you promote your business.
Also, please read Our Fictional Character,
BM Contents
2 Cover Story
Peerless Media Group:
More than Ink on Paper
4 Are you Prepared to Become
an Employer?
5 The Flipside of Hiring Employees
NJRCC Calendar
6 2012 Comedy Night Beefsteak
Publisher’s Note
a story that illustrates how a small
enterprise used Peerless Media Group to
help promote her new business.
For busy professionals, shopping for
clothes is likely at the bottom of the “to
do” list. When you read the story about
Rob Breslau, owner of Prestige Custom,
you will learn how easy it is to shop at
your home or office and get clothes that
are a perfect fit.
NJRCC member Abby Duncan
submitted “Are You Prepared to Become
an Employer?” an informative piece about
things we all should consider before
hiring staff. However, before you make
any decisions, please read “The Flipside
of Hiring Employees.” I hope you find
both stories informative and helpful.
Please review our Professional Resource
Directory. In each issue, we feature a host
of businesses that may meet your needs.
I hope you will think of them whenever
you have a need for any of their services.
For fifty dollars, you can promote your
own brand to Chamber members,
subscribers and the 18,000+ online readers
who log onto the Chamber website each
month. Additionally, the pass-along rate
for each issue is about 30%. Please support
our advertisers whenever possible.
I hope you enjoy this issue.
Naoma Welk, Publisher
Naomawelk@aol.com
7 Is it Better to Look Good or Feel
Good? Both!
8 New Members
10 Our Fictional Character
11 Tech Tips
12 Professional Resource Directory
13 The Coach’s Corner
14 Advertisers
15 YPNJ News/Member Survey
16 Chamber Application
business matters | June 2012 1

By Naoma Welk
Building brand recognition can be a challenge, especially if
your company is small and you don’t have an inside marketing
department. Even a company that has a marketing department
may wish to use an outside vendor with marketing expertise for
special projects or work overflow. That’s when Peerless Media Group
comes to the rescue.
Peerless Media Group is more than just a company that puts
ink on paper. Peerless works with businesses to develop strategic
integrated marketing plans. Peerless helps clients determine the
best way to reach their target market and looks at ways to leverage
marketing data to help clients promote their businesses using the
right message and maximizing the dollars they spend.
President and CEO, Gregg Roth explains, “We feel it is in
everybody’s interest to see a business grow. We take time to learn
our clients’ business, understand their goals, develop a strategic plan
and work with them to develop realistic budgets. We know that
when we effectively position a company’s message, we can create the
proper customer perception.” Roth says that Peerless helps clients
target their specific market. Peerless doesn’t just print up materials,
but rather they become a partner to create successful marketing
campaigns. Peerless also measures campaign results, so that clients
can see their ROI.
The team at Peerless consists of a core group of talented individuals
who collectively serve as a single source for their client’s marketing
needs. Jamie Tartaglia, Director of Sales, says “When I meet with a
potential client, I am comfortable knowing that we can provide the
right services for them. Even if a company has a marketing department,
they may not be up to speed on how to maximize their website.
We know how to build SEO content into a site that generates more
views and better results.” In addition to corporate printing, Peerless
handles specialty packaging, promotional products, graphic design,
web development, internet marketing and marketing strategy.
Peerless helps clients set goals, create strategic plans, produce
the most effective collateral materials, update websites and define
Internet strategies. When Peerless works with a company that has a
marketing department, typically that in-house marketing manager
serves as the lead project manager and Peerless fills in
with needed expertise and project management. “It’s a
win-win for everyone,” smiles Roth.
Unique promotional products are a Peerless specialty,
and they don’t have to be expensive. Recently, a client
ordered printed shoelaces, another client ordered tiny
breath mints in a custom labeled container. Tartaglia says, “Our
creative team is skilled at creating new concepts for promotional
items. We offer a whole range of attention-grabbing private labeled
promotional products.”
The company began as a family-owned operation in 1975, when
Gregg’s parents, Annette and Jerry Roth launched Peerless Business
Forms. The Roths liked the name “Peerless” because they felt
their company was “without peers.” They created stock and
custom computer forms, snap-apart unit sets and continuous
data processing forms. They also produced checks, self-mailers,
continuous letterheads and envelopes, tags, labels, flat forms, ledgers
and plastic cards.
Between Gregg Roth’s junior and senior years at Rutgers, he
decided to try working in the family business. He started out making
sales calls and found out he liked it. After graduation he jumped into
the business with both feet and in 1998, bought the business from
his parents.
In order to live up to the company’s motto of offering “state of the
art products and services that keep our customers coming back
year after year,” the company has had to evolve. Today, Peerless is a
full-service marketing firm. Remember, in 1975 most of us thought
we were high-tech if we had a little hand-held digital calculator.
Today, if you don’t have an iPhone, a few laptops, a netbook, an
iPad and an e-reader, people wonder under which rock you have
been hiding.
Gregg says, “Sales have grown every year since the company
began and for the past ten years we have been ranked in the top
100 Distributors.” A recent survey conducted by Print Solutions
Magazine named Peerless the second fastest growing print and
marketing company in the country.
2 June 2012 | business matters

From soup to nuts:
For Jenni USA, an idea process management
strategy company, Peerless Media Group designed
the logo and developed Jenni’s branding. Peerless
developed and printed a full suite of business
cards, letterhead, brochures and other related
branded materials, including the creative brochure
(shown left). Below is one of the pages from
Jenni’s website that Peerless designed and
programmed with SEO.
Three years ago, Peerless Media Group bought Nu-Plan
Systems, a smaller company that delivered the same services.
“That acquisition has really had a positive impact on our bottom
line,” says Gregg.
Peerless Media Group is a distributor that has the ability to
print anything anywhere. This is a huge benefit to the customer,
because Peerless is able to place the job with the most appropriate
printer for the project.
“We are not brokers,” Gregg explains. “A broker is someone who
just farms out business. We are a full service media company,
responsible for each project. We consult with our clients, provide
personalized customer service, handle all of the billing and deliver
the end product. The only thing we don’t do is the actual printing.”
The benefit of working with a distributor is that the print project
is placed with the best company for the project. Clients are not
locked into one print house that may not be able to accommodate
the project in a timely manner. Peerless finds a facility that best
suits the project.
Peerless has an impressive list of clients that includes the New
York Yankees, March of Dimes, L’Oreal, Ellie Tahari, Wellington
Hotel, Hotel Gansevoort, the Hotel Pennsylvania and Jenni USA.
Most of all, Peerless prints this impressive Business Matters
magazine. Since Peerless took over printing Business Matters,
the quality has improved, the cost has been reduced and the
magazine appropriately reflects the high caliber of the North
Jersey Regional Chamber of Commerce.
As Peerless approaches its 40 th birthday it’s easy to recognize the
company’s evolution. “Today, we think of ourselves as a one-stop
shop,” smiles Gregg. “We brainstorm with our clients, develop
web sites, help them maximize their marketing materials and
effectively, become their marketing partner. Once the client hands
over their project, we take it from concept to reality.”
business matters | June 2012 3

Are You Prepared to Become an Employer?
Here Are 2 Checklists to Help You Assess Your Readiness to Hire & Manage Staff
By Abby Duncan
When your business grows to the point where you can
no longer “do it all” yourself, hiring employees is an
important next step. Besides hiring the “right” people
for the positions being created, you will need to deal with legal,
financial and management issues.
Unfortunately, the majority of small business owners think hiring
Checklist 1: Legal and Financial Matters
For legal and financial matters, consult with your lawyer and
accountant; they will guide you and answer your questions. Even
when you get professional advice, when you’re planning to hire, you
must do the following:
4Familiarize yourself with the kinds of taxes that are withheld
for W-2 employees, such as temporary disability and family
medical leave insurance. Make sure you have an EIN (employer
identification number) to use on tax documents.
4Calculate the total expense of hiring employees, not just the
salary. The cost of equipment, benefits, training and the hiring
process itself should be offset by the expected contributions
from the addition of staff. Can your business handle the extra
overhead on an ongoing basis?
4Understand the legal requirements of hiring W-2, 1099 as well as
full-time and part-time employees.
4Register with the state Department of Labor and order the
appropriate posters that notify employees of their rights. These
Checklist 2: Management Skills
Most legal and financial issues are straightforward, but if you
think that’s all there is to expanding your company, you’re in for a
rude awakening. From previous experiences in working for others,
you might already possess some of the skills needed to manage
employees. However, management is more than simply giving
orders - and more often than not, management skills are learned. To
help you assess your skills, answer the following questions before
finalizing your decision to bring on employees:
4Do you understand how to hire effectively?
Do you know…
1. what to post in an ad?
2. how to initially screen responses?
3. how to construct interview questions to compare “apples
to apples”?
4. what to never ask an applicant?
5. how to negotiate with the finalists?
4Are you prepared to be the “motivator in chief?” Do you assume
that employees will care as much about your business as you
do - especially when you are reluctant to share any of the key
aspects of the business with them and just want them to focus on
specific tasks?
4 June 2012 | business matters
and managing employees is a simple process, when in fact, it isn’t.
Besides bringing one or more “outsiders”—new employees—into
your business, there are a number of things of which you need to be
aware. To prepare yourself for this next big step, use the following two
checklists as your guide. These two checklists can prevent you from
making costly and time-consuming mistakes.
4
4
4
4
4
4
4
4
4
are required to be prominently displayed. You can obtain these
for free at http://lwd.dol.state.nj.us/labor/employer/content/
employerpacketforms.html
For posters required by the Federal government, go to
http://www.dol.gov/osbp/sbrefa/poster/matrix.htm
In addition, secure forms needed to report immigration status.
Obtain workers’ compensation insurance. Proof of this insurance
coverage must be posted. Take appropriate measures to provide
a safe workplace.
Set up personnel files - one for each employee - to house
applications, employment offer letters, IRS W-4 form, benefits
sign-up forms and performance evaluations. Create a second file
for each employee for I-9 immigration status forms and medical
records. Keep these confidential files under lock and key.
Create an employee policy manual to prevent confusion about
company rules and to avoid frivolous lawsuits.
Do you recognize that the addition of each new employee changes
the dynamics of your organization, in much the same way as
adding a new child or puppy does to your family?
Do you assume that employees will understand your expectations
of what their jobs entail…
1. without a clearly defined structure of how each job relates
to the others?
2. without clear job descriptions?
3. without training or follow-up?
4. without regular, objective performance evaluations?
Do you understand how to set boundaries between you and
your employees?
Have you stated the firm’s professional norms in your employee
handbook?
1. Are you prepared to model the behavior you expect from
your employee?
2. Do you know how to enforce policies and procedures
evenhandedly?
Are you prepared to handle inevitable conflicts between employees?
To what resources can you turn to help you with management issues?

the Flipside of Hiring Employees
By Chrystine Gaffney
If you are like most small business owners, you don’t have time
to be good at everything and you barely get time to eat your lunch!
You probably don’t have time to learn the rules and regulations
about hiring employees and much less, the time to hold interviews
with potential full-time workers. Besides, your company workload
isn’t always that heavy. Let yourself off the hook: focus on what you
do best. How? Bring in a freelancer!
Why hire a permanent employee when you can get a freelancer
to do the work without the financial overhead (health, etc. benefits),
long-term tax and legal issues related to hiring permanent employees.
With a freelancer, you can maintain momentum and increase
your efficiency without any sacrifices. The benefits of handing off
your overflow to a freelancer include an improved bottom line, an
enhanced image and a less stressful work life.
Do you have a brochure or newsletter that needs to be written
so you can keep your business name in front of your clients
and customers?
With a few hours of a writer’s time, it can be done.
How is your online presence?
Call a freelance website developer or designer to update or
launch a new site.
How do you plan to manage your company’s media advertising?
A self-employed marketing expert can lead customers right to
your door.
Are You Prepared to Become
an Employer? continued from page 4
Hiring and managing employees are important steps for a growing
company. They allow the owner(s) to focus more on vision and strategy
while delegating some of the tasks of implementation to others. However,
that decision should be the result of careful forethought. Are you prepared
for the challenges involved?
Abby Duncan is a seasoned human resources
consultant. She takes a “teach a person to fish”
approach by helping owners of small businesses
hire, manage, train and retain their employees.
Rather than relieve them of these tasks, she
educates and empowers entrepreneurs to be better
managers and to make informed decisions relative
to outsourcing any part of human resources. For more information about
how Abby can help your growing business, visit www.duncanresources.com,
call 973-256-8443, or e-mail her at aduncan@duncanresources.com.
Chapter from Jersey Women Mean Business! Big, Bold Business Advice from New Jersey
Women Business Owners Published by Woodpecker Press, LLC © 2012
Do you find you don’t have time to pay
your bills?
A temporary, part-time accounting genius
needn’t work under your roof but instead
you can hire one to work a few hours
a week.
Perhaps you want a press release written and distributed
about a recent addition to your services. Or maybe you want to
develop an employee manual so when you do hire permanent
employees in the future, there is no confusion about your
best practices.
Reach out to a freelance writer who can put together a readable,
easy to understand document.
These are examples of cases when it makes sense to outsource the
work; harness the creativity of an ad-hoc worker, with fresh eyes to
bring new vitality to your next project. Here’s a secret: typically,
freelancers work harder than permanent employees because
they don’t have a guaranteed paycheck. It’s a no-risk opportunity
to try it out.
For more information on freelancers in your area of expertise,
search “freelancers” “consultants” or “off-site” with your industry key
words or list your temporary work needs on Craig’s list. And of course
you can always call me at 201-247-7726 for any of your writing,
web development or design needs. And, I also know some amazing
freelance accounting types.
NJRCC Calendar Of
Events 2012
July 24 – First Pitch 7:05 pm
NJ Jackals Baseball Networking Picnic
Yogi Berra Stadium Montclair State University, Montclair
(Gates open at 6:00 pm)
July 25 – 8:00 am until 9:30 am
How To Succeed in Selling in a
Rebounding Economy
AVE Clifton 743 Passaic Avenue, Clifton
September 10
Golf Clinic & Brunch 10:00 am until 2:00 pm
29 th Annual NJRCC Golf Invitational
Preakness Hills Country Club 1050 Ratzer Road, Wayne
September 20
BIZ Expo Trade Show
SAVE THE DATE – December 6
STAR Awards Gala
For details and to register for each of these events, please visit www.njrcc.org
business matters | June 2012 5

6 June 2012 | business matters

Q: Is it Better to Look Good or Feel Good? A: Both!
By Naoma Welk
Prestige Custom serves clients throughout the tri-state area
with a goal of making people look good and feel good! Rob
Breslau, owner of Prestige Custom doesn’t perform plastic
surgery or transform personalities; he does provide custom clothing
to professionals so that they look good and feel good.
Breslau works with clients in all types of professions, from bankers
to bakers, from marketers to machinists, from professors to pop
artists and from athletes to actors. All of his clients have one thing
in common: they want their clothes to be comfortable, fit well
and look great.
Who needs to look good?
For the past twenty years, Rob has been providing professionals
with tailored clothing that fits perfectly and meets their needs. You
might think his clients are mostly midgets and giants or people with
bodies shaped like toothpicks or bowling balls.
“That’s not the case,” he smiles, “the majority of our clients are not
hard to fit, but they understand the value we bring to their wardrobe.
They know that the first impression is a lasting one and people are
often judged by how they are dressed.” He adds, “Before you say one
word, people have formed an opinion about you by how you look
and let’s face it, in a professional environment, everyone needs to
look good.”
Value, Quality and Price
“People assume that custom-made clothing is very expensive. I
know there are many custom clothing companies that are expensive
and in fact, over-priced. That’s not who we are. We work with vendors
in both Europe and America and we still bring price, value, quality
and personal service to our customers. Our low overhead enables us
to deliver quality at a great price. A customer is someone who buys
from you once - a client stays with you forever.”
Fit First - Fabric Second
In the early part of his career, Breslau worked in the retail side of
the business and learned how to take measurements so that a tailor
could translate numbers into styles. He says, “Fit is paramount to a
good piece of clothing and fabric is second. “If something doesn’t fit
well, even the most expensive fabric will look cheap. I always give my
opinion; if a fabric doesn’t look good I tell them. When my client puts
on a shirt, tie and suit in the morning, I want them to be happy with
how they look and feel.”
Even though the relaxed professional environment has led men
to wear fewer suits and sports coats, Rob has brought his shirt and
pants line to the forefront. “We have more than 1,000 shirt fabrics
from various top mills throughout the world. Our clothing is great
quality and a great value.”
Shopping Made Easy
Throughout his career, Rob has made it easy for his clients to
look good. He brings his portfolio of sample fabrics and styles to his
client’s home or office. Once a selection is made, Rob can help with
shoes, ties, cufflinks, socks and belts. “Our business is designed to
keep busy men out of stores. We focus on making them look good
while they focus on their business.”
Contact Rob at 908.553.3309 and rob.prestige@gmail.com.
Member News:
Columbia Bank Receives Community Service Award
For the second consecutive year, Columbia Bank received the New
Jersey Bankers Association Community Service Award in recognition
of their charitable support and volunteer effort benefiting New Jersey
communities. The award is part of a statewide program that recognizes
outstanding community work by its member banks.
In accepting the award, Thomas J. Kemly, President and CEO of
Columbia Bank noted, “As a true community bank, we pride ourselves
in giving something back to the many towns we serve. Our corporate
culture encourages donations, employee volunteerism and community
grants issued by our Columbia Bank Foundation. It remains our
initiative to proactively support local civic, community and charitable
causes that encourage home ownership, economic development,
financial literacy and local business prosperity.”
Many Columbia executives regularly serve on the boards of local
hospitals, schools and charities, chambers of commerce, rotary clubs
and other community service organizations. The bank’s volunteer
crews also regularly assist local Habitat for Humanity affiliates build
affordable housing in low income areas. Within greater Paterson
alone, for example, Columbia has supported the building of 127
Habitat housing units.
Recently, when heavy flooding devastated several North Jersey
towns, the bank responded with a special effort to help affected
homeowners. Working with local municipalities, they identified
residents who were in immediate need of assistance and provided
them with replacement home appliances. Columbia’s Annual Charity
Golf Classic also raised more than $36,000 for the Family and Friends
for Freedom Fund, a Pompton Plains charitable foundation the helps
to ease the financial worries of local wounded servicemen and
women and their families during the recovery process.
Other community support efforts include collecting supplies
for local food pantries, sponsoring community events and hosting
financial literacy, cyber security and identity fraud prevention classes.
Columbia believes that vibrant communities foster both economic
development and neighborhood pride.
business matters | June 2012 7

Meet Our New Members
We are pleased to announce that 13 companies have joined the North Jersey Regional Chamber of Commerce during the last
quarter, making it one of the largest chambers in the state. Please join us as we welcome our newest members and we hope you
will patronize them whenever possible.
BROKER
UnionAdvisors
UnionAdvisors is a business brokerage
(primarily operating in New Jersey) that
works with businesses valued at less than
$5 million. As a broker, UnionAdvisors
brings people together and personally walks
them through a procedure which can easily
be the largest transaction of their lives. Of
equal importance is the vetting process that
UnionAdvisors conducts before bringing the
parties together. By understanding clients’
needs, wants and financial capabilities,
UnionAdvisors can filter the counterparties
and minimize disruptions to normal schedules.
Vin Bonaventura
34 Village Road, B598
New Vernon, NJ 07976
908.400.2410
unionadvisors@yahoo.com
EATERY
PJ Ruffo’s Restaurant
Located in the Italian section of West
Paterson, this “casually sophisticated”
Italian-American cuisine is open Monday
through Saturday for lunch and dinner. The
main menu features an array of dishes from
a variety of chicken or veal (Parmigiana/
Marsala/Piccata/Milanese or Francaise),
shrimp, NY strip steak, tilapia or salmon,
pork chops, eggplant parmigiana. These
entrees are joined by a host of pasta main
courses, salads and desserts. PJ Ruffio’s
features Wednesday night entertainment,
from classic rock, pop to party favorites
from the last several decades that are sure to
appeal to baby boomers.
P.J. Caggiano
279 Browertown Road
Woodland Park, NJ 07424
973.812.7222
www.pjrufos.com
pjcagg@hotmail.com
8 June 2012 | business matters
ENTERTAINMENT
J&J Comedy LLP
Since October 2004, J&J Comedy has
been producing successful comedy shows
at numerous venues throughout New Jersey.
J&J Comedy produces shows in hotels,
restaurants as well as fundraisers for Little
Leagues, cheerleading squads, Knights of
Columbus, PBAs, Fire Departments, etc. The
staff of J&J Comedy takes pride in booking
comedy legends that match any particular
audience. Contact J&J Comedy for your
next event.
James Benededo
115 7 th Street
Port Reading, NJ 07064
866.552.6633
www.jjcomedy.com
info@jjcomedy.com
Home inspection
Foresight Consulting
Foresight Consulting Home Inspections
is a two-generation family business
dedicated to performing comprehensive
home inspections. The company is qualified
to handle termite inspection, plumbing,
electrical and tests for mold, asbestos, radon
and oil tanks. Chris is a NJ state licensed
home inspector and has a NJ license for
wood destroying Insects. He is also certified
to perform home energy audits.
Chris Salviano
9 Walnut Court
North Haledon, NJ 07508
973.942.3061
www.foresightconsulting
foresight1@optonline.net
INSURANCE
Prudential
In 1875, John Fairfield Dryden established
The Prudential Friendly Society in a
basement office in downtown Newark, N.J.
It was the first U.S. company to make
life insurance affordable for working-class
Prudential
people. The company sold industrial insurance,
which provided funeral and burial expenses
for low-income families, with some weekly
premiums as low as three cents per week.
The next year, the company issued its 5,000 th
policy and hired Julia Babbit, its first female
insurance agent. In 1877, the company
changed its name to the Prudential Insurance
Company of America. Since then, Prudential
has built a business heritage of life insurance
and asset management expertise. Today, the
company offers individuals and institutions
in the US, Asia, Europe and Latin America
a wide array of financial products and
services, including life insurance, annuities,
mutual funds, investment management, and
retirement related services.
Peter Feld
6 Riverside Drive
Pequannock, NJ 07440
peter.feld@prudential.com
LAW FIRM
Law Offices of
Steven H. Wolff, LLC
Often “regular” families have the kind
of legal disputes that cause the kind of
emotional stress that affects clear thinking
and decisionmaking. If not managed,
family issues like divorce can consume
one’s life and work. To bring order to this
emotional chaos, Steven Wolff ’s firm
provides objective and reasonable thinking
during these traumatic times in life.
The firm’s practice areas include: Divorce,
Pre/Post Nuptial Agreements, Visitation &
Family Time, Uncontested Divorce, Child
Custody & Support, Post-Judgment
Modifications, Property Division &
Distribution of Assets, Alimony, Parental
Relocation and Domestic Violence.
Steven Wolff, Esq.
1111 Clifton Avenue, Suite 201
Clifton, NJ 07011
973.567.3547
www.wolfflawnj.com
steven@wolfflawnj.com

Meet Our New Members
MARKETING
Noesis Marketing
Noesis Marketing will help get your small
business to that next level of success. We
provide a free consultation and proposal at no
cost and no obligation. Noesis Marketing
provides integrated solutions for your marketing
and business development challenges,
increasing your company’s exposure. With over
20 years of experience, Noesis Marketing can
help you build your business, reach potential
customers and develop the most effective
marketing methods in use today.
Nina Tucker
91 Bellevue Avenue
Montclair, NJ 07043
973.783.3983
www.noesismarketing.net
ninatucker@noesismarketing.net
ONLINE NEWS
NJ.com
NJ.com is one of the most popular online
newspapers that features pieces written
by reporters from an array of area papers
including The Star-Ledger, The Trenton
Times, The Jersey Journal, Gloucester Co.
Times, The News of Cumberland County
and Today’s Sunbeam. Categories include
news, weather, sports, entertainment, living,
jobs, autos, real estate, rentals and classifieds.
Online registration is free and the site
encourages reader participation.
Chris Bock
30 Journal Square
Jersey City, NJ 07306
201.459.2800
www.nj.com
cbock@nj.com
PEST CONTROL
Abarb Pest Services, Inc.
Abarb Pest Services is a full-service,
family-owned company in business since
1973. The company serves Bergen, Passaic,
Morris, Essex, Hudson, Sussex and Union
counties. Our commitment to the customer
is the most important aspect of our business
as we continually strive for excellence in
service. Abarb is dedicated to bringing you
Abarb Pest Services, Inc.
the best service in a worry-free, most timely
and ethical manner. Our reputation has been
built on customer satisfaction and loyalty.
Visit Abarb Pest Services online to see
current seasonal offers.
George F. Forst
869 Ringwood Avenue
Haskell, NJ 07420
973.839.6621
www.abarbpest.com
fgabarbpest@aol.com
PROPERTY RESTORATION
SERVPRO ® of Clifton
SERVPRO ® of Clifton specializes in the
cleanup and restoration of residential and
commercial property after a fire, smoke or
water damage. SERVPRO ® of Clifton can also
mitigate mold and mildew from your home or
business. The staff is highly trained in property
damage restoration at SERVPRO’s corporate
training facility to regular IICRC-industry
certification. The staff at SERVPRO ® has the
knowledge to restore damaged property,
whatever the cause. With a nationwide system
of qualified franchises, no damage is too
large or too small for SERVPRO ® of Clifton.
Robert Kinch
61 Somerset Place
Clifton, NJ 07012
973.928.3705
www.servproclifton.com
servpro9875@optimum.net
TRANSPORTATION
BBZ Limousine & Livery
Service, Inc.
Since 1869 (even before automobiles were
invented), BBZ Limousine & Livery has been
providing transportation services to customers
throughout the tri-state area. It is one of
the metropolitan area’s oldest and largest
transportation services. The team at BBZ is
dedicated to providing courteous, convenient
and reliable service and their chauffeurs are
professional. Whether your destination is
the airport, rail station, the New York
metropolitan area, Atlantic City or anywhere
in between, call BBZ to deliver you in
comfort and get you there on time.
BBZ Limousine & Livery
Jason Messinger
115 Woodbine Street
Bergenfield, NJ 07621
201.501.0615
www.bbzlimo.com
jason@bbzlimo.com
TOOLS & EQUIPMENT
Harbor Freight Tools
Harbor Freight Tools began as a family
owned catalog company in 1977. The
commitment was to give working people the
best value possible on quality tools. Now,
34 years later, Harbor Freight Tools is still
family-owned and still delivering on its
commitment. Harbor Freight Tools is the
largest tool and equipment retailer in the
country, with over 20 million satisfied
customers who shop on their website and in
more than 380 stores nationwide.
Larry Brodsky
1016 Main Avenue
Clifton, NJ 07011
www.harborfreight.com
hft389@harborfreight.com
TRAVEL
KIA Travels, LLC
KIA Travels, LLC, (KIA) represents all
major airline and cruise companies and
serves both the leisure and the corporate
traveler. KIA specializes in worldwide travel,
has access to special rates (some below
internet!) and provides detailed information
about the world’s most intriguing vacation
destinations. KIA makes rental car, hotel and
resort accommodations, schedules tours,
meals and even organizes tickets for sporting
events. KIA also specializes in corporate travel
for conventions, meetings, conferences and
keeps profiles on personal travel preferences.
Corporate discounts are available.
Denise Farmer-Smith
PO Box 0188
Bloomfield, NJ 07003
862.252.6999
www.kiatravels.com
kiatravels@yahoo.com
business matters | June 2012 9

Our Fictional Character
Despite a difficult economy, Donna decided
to move ahead with her planned custom
cupcake business. “With the economy in a
downturn, I like the idea of making comfort
food– right here in my own neighborhood.
I don’t think there’s anything better than
walking into a room that smells like fresh
baked cupcakes.”
After a three-month search Donna found
a small downtown space with a commercial
kitchen that was just the right size for her
cupcake business. Donna had a $20,000
“start-up” bank account to help launch her
small business, which she named “Donna’s”.
She designed her store so that the scent
of baked goods wafted from the kitchen
into the retail space, decorated the store in
flavorful colors and installed several tall glass
bakery cases where she could showcase her
decorative cupcakes and any other enticing
items that came out of her kitchen.
Donna announced her store’s Grand
Opening in local newspapers and distributed
fliers at parking garages, school events and
at grocery stores. The first weekend, crowds
of sweet-toothed customers swooped in and
bought everything she could bake. However,
Donna knew that to keep customers knocking
down her doors, she would need help
spreading the word about her delicious
products. “After all,” she explained “I know
how to bake great cupcakes….but marketing?
Not so much!”
Donna turned to the team at Peerless
Media Group who worked with her to design
a cohesive marketing program. The Creative
Team at Peerless created a multi-tiered plan
that Donna could implement as she grew
financially; by designing the program all at
once, she was assured that her message and
the look of her marketing would be consistent.
One of the first components was to write
and distribute a press release to county-wide
food and catering publications as well
as event/party organizers. Next, Peerless
suggested she wrap her new VW bug with
“Donna’s” signage so that everywhere she
drove, people would think of her store. They
also suggested she take quarter page ads in
Business Matters magazine because (a) they
knew it was an excellent publication with a
great reach and (b) they knew the publisher
would insert a write-up about her business
sometime this year.
When it is financially feasible, Peerless is
planning to shoot a video loop that Donna
can run in the store on closed circuit TV so
that customers can learn more about Donna
and her products. They are also considering
other print, radio and television advertising
for the future.
“I have been pretty overwhelmed” says
Donna, “but everyone at Peerless has been
wonderful. I have full confidence in their
team and with their help, I can relax and do
what I do best – bake the best cupcakes in the
county. Wait! Make that the best cupcakes in
the state!”
Member News:
Spencer Bank Business Holds Seminar
Small business owners from Northern New Jersey were invited
to Spencer’s “Protecting Your Business in the Electronic Age - Small
Business Seminar” on June 19th at the Royal Manor in Garfield.
Anthony M. Rainone, Esq. from Brach Eichler LLC led the seminar
which covered several topics including common electronic threats,
best practices to protect a company’s critical information and specific
legal issues that all business owners should know about protecting
their business information. John Fitzpatrick, Senior Vice President,
Retail Banking, said “We were pleased to host more than 100 business
professionals at this seminar. Many of them expressed appreciation
for this educational session and feel better prepared to protect their
electronic intellectual properties.”
10 June 2012 | business matters

Tech
TIPS
David Rosa, Managing Partner
Rosa and Castan Associates
Technology Management Consulting
Fairfield, NJ 07004
973.830.8104
Take control of your technology!
Are you in control of your business technology?
Or, is the technology in your company controlling
your business? Is your Internet access only
available with the proper planetary alignment of
Jupiter and Mars?
You purchased your business technology with the
dream of maximizing your company’s productivity
as well as controlling costs while maintaining the
security of your company and customer information.
Somehow this does not always go as planned.
Taking control of your technology should not be an
elusive dream. But taking control of your technology
requires planning, discipline, regular updates
and maintenance. How is this accomplished? Below
are a few guidelines that must be followed and some
classic pitfalls to avoid:
• Use current technology: A sure way to lose
control is to attempt to keep older systems
in place beyond their useful life. This often
leads to many concerns including performance
and compatibility issues. Using the most current
versions of software products (e.g. QuickBooks,
AutoCAD, etc.) normally provide improved
productivity and good performance with
current computers.
• Plan ahead: Many companies let their technology
evolve rather than follow a plan. Planning
ahead should include looking at software and
hardware needs as well as infrastructure
updates. Of course, setting a realistic budget is
also key to success. Technology solutions must
match the size of your needs and your budget.
• Security: Never let your security get out of
date. A small lapse in security can cause
downtime and destroy data and this can be
very expensive for an organization. Keep your
firewall, software, and virus protection up to
date and using the current security technology.
Never skimp on security.
• Maintenance: Be sure to perform regular
maintenance on all of your key hardware and
software systems.
• Training: Be sure your employees are properly
trained not only on using your systems but
also on your policies and procedures to help
keep your network and systems secure.
Implementing a good technology strategy is critical
for maintaining control of your technology. This is
particularly true since technology touches nearly
every part of your business including telephone,
communications, sales and marketing, accounting
and manufacturing. Part of the strategy must also
include working with a reliable technology partner
to help support the various elements of today’s
business technology.
NJRCC Scholarship Recipients
NJRCC Foundation President, Bob Jaffe and Gloria
Martini (r) President of the Chamber of Commerce
present scholarship checks to two of this year’s
recipients - Patricia Evrard (l) from William Paterson
University and Lilia Sidorova (second from right) who
is attending Montclair State University. This year the
NJRCC Foundation gave out four college scholarships
and one high school scholarship. It will also introduce
two new scholarship grants for veteran’s returning
from Afghanistan and Iraq.
business matters | June 2012 11

Professional Resource Directory
Adult Care Advisors
Dina Frauwirth, Advisor
908.812.9158
dina@adultcareadvisors.com
www.adultcareadvisors.com
Senior Care Consultants…and our advice
is free
Brantley Bros. Moving and Storage
168 Elizabeth Avenue
Newark, NJ 07108
973.824.9500
brntmoving@aol.com
Dependability...Trust...Customer Satisfaction
Cartridge World ®
Jim Feeney
Plaza 46
1590 US Rt. 46 West
Woodland Park, NJ 07424
973.256.5610
jfeeney@cartridgeworldusa.com
100% Satisfaction Guaranteed
CWG Copywriting
Chrystine Gaffney
201.247.7726
chrystine@cwgcopywriting.com
www.cwgcopywriting.com
Professional Copywriting, Editing
& Proofreading
Your Cyber Partner
Felicia Lucco
P.O. Box 5850
Newark, NJ 07105
201.258.4593
Felicia@yourcyberpartner.com
www.yourcyberpartner.com
Increasing your Exposure Through
Online Marketing
Mention this listing for a 20% discount
first month.
Integrated Healthcare
of Montclair LLC
Dr. Tyran Mincey
296 Bloomfield Avenue
Suite 1
Montclair, NJ 07042
973.744.1155
www.wholistic-chiro.com
Wholistic Health Care Services
KB Electric
Keith Ballantine
30 Gates Avenue
Suite B6
Montclair, NJ 07042
973.744.6201
khb123@aol.com
www.kbelectricnj.com
We make old homes new and newer
homes better.
The Kraus Group LLC
Nicholas J. Kraus
271 Rt. 46 West
Suite D202
Fairfield, NJ 07004
973.998.5742
nkraus@krausgroupmarketing.com
Innovative Marketing Solutions Designed
Around You
M.A. Gurland
Mitch Gurland
637 Wyckoff Avenue
Suite 341
Wyckoff, NJ 07481
201.790.4922
magurland@gmail.com
Insurance Solutions for Individuals
and Business Owners
Megangela Graphics LLC
Robin Wilson
PO Box 205
Pequannock, NJ 07440
888.469.8103
megangela@optonline.net
Delivering Creative Solutions
Rosa & Castan Associates, LLC
David Rosa, Managing Partner
Rosa & Castan
333 US Rt. 46 West
Building B
Suite 207
Fairfield, NJ 07004
www.rosacastan.com
Technology Management Consulting Services
Superior Exterminators
James Horan, President
482 Notch Road
Woodland Park, NJ 07424
973.638.1322
www.SuperiorExterminators.com
Professional Full Service Pest Control
The Investorville Gazette
Published By Village Investment Advisors LLC
Available For Private Label Distribution
For A Complimentary Preview Issue Contact
dsmith@investorvillegazette.com
614.436.5939
Helping Readers Become Comfortable With
Personal Finance and Investing.
Welk Ink
Naoma Welk
306 Hartford Road
South Orange, NJ 07079
973.762.6243
www.welkink.com
Business Writing, Public Relations, Publishing
Verizon Wireless
Julian F. Carrera
1132 US Rt. 46 West
Clifton, NJ 07013
973.809.2307
www.wirelesszone.com/clifton
Your Local Wireless Professional
12 June 2012 | business matters

4
The
to your Success…
How to Overcome Them and Get What You Want and Deserve
The Coach’s
Corner
Part Three of Four: If you’re not achieving
what you want to in life, it’s quite possibly
due to one or more of these four blocks that
are keeping you stuck: Gremlin, Assumptions,
Interpretations, and Limiting Beliefs.
In the past two issues we discussed
Gremlins and Assumptions. The third of the
four blocks is Interpretations, which we can
define as - “opinions and judgments that
you create about an event, situation, person,
or experience and believe to be true.”
When you INTERPRET something you
create an opinion about an event, situation,
or experience. You create an explanation for
something that you “see,” and then look for
evidence to support its validity. When you
make an interpretation, you don’t even see
that other explanations exist. In actuality,
though, an interpretation often represents
only one viewpoint among the many that are
possible, and usually is based only on your
own personal observation.
If you believe your viewpoint of a
particular situation is the only explanation,
you won’t be aware of another point of view,
and will be unlikely to even consider one even
if it should be presented to you. Because you
Most Critical Blocks
don’t see that other possibilities exist, you
remain stuck in your story and feel powerless
over the outcome.
For example, let’s say you come into work
one day and as you pass your boss in the hall
she barely nods hello and seems to completely
ignore you. She goes into her office and closes
the door, and you are left standing there
feeling as if something is seriously wrong.
You might “interpret” that your boss acted
that way because she is angry with you.
You might spend the morning wondering
what you did to get her mad at you and you
might be hesitant to approach her with the
great idea you came up with on the way
to work. Even worse, you might get totally
stressed out and think it’s time to start
looking for a new job. In actuality, however,
perhaps the reason she barely acknowledged
you was that she just received a disturbing
phone call about a family member, or she had
an impending deadline, or was preoccupied
because....there are so many possible
explanations, none of which you are aware of
or have anything at all to do with you. What
an opportunity you’d miss if you decided to
act based on your false interpretation.
Typical interpretations may sound like this:
He doesn’t like me.
She thinks I’m incompetent.
They don’t want to follow orders.
I don’t fit the mold they are looking for.
Before you “jump to conclusions” and believe
the first story that comes to mind, consider
other possibilities that could lead you to
new and empowering choices and actions.
Consider that everything that happens in the
world is NOT about you, because of you, or
a reflection of something you did or did not
say or do. Don’t allow misinterpretations to
control your feelings, actions, or outcomes.
In the upcoming issue we will discuss
Limiting Beliefs. If blocks are keeping you
from achieving the success and happiness
you want and deserve, call Harvey at
201-962-8463 to request a free copy of this
report, or go to www.harveyfeldman.com
Also ask for information on how to apply for
a Complimentary Business Breakthrough
Coaching Session.
The Power Networking Group (PNG) is the
networking arm of the North Jersey Regional Chamber
of Commerce whose mission is to help Chamber
members grow and promote their businesses.
PNG members provide referral sources and business
expertise to others in the group. Since 2005, PNG
members have compiled nearly 1,000 business leads,
the value of which is tens of thousands of dollars. Each
member represents a specific business category.
PNG meets every other Monday at 8:15 am at the
NJRCC Board Room. Membership in PNG is free
to all Chamber members; you must be a Chamber
member to join. Contact Mitch Gurland at 201.790.4922
with any questions.
HARVEY FELDMAN, MBA, CEC, and Certified
Sales Trainer, has over 35 years of experience in
business and consulting. After operating his own
successful business and marketing consulting
practice for more than 20 years, Harvey studied to
become an Executive and Life Coach, and received his
CEC from iPEC, an accredited coaching institution.
He recently added Sales Training to his repertoire,
and is a Certified Training Instructor with Sales
Training Institute. His unique background and
experience have enabled him to help his clients
achieve amazing breakthroughs and results. As a result his diverse background,
coupled with his contagious enthusiasm, Harvey brings aneclectic, dynamic, and
insightful perspective to his roles as Executive/Business/Life Coach and Sales
Trainer, blending both practical and personal insight into a results-oriented,
profit-building presentation that delivers high value and ROI to his clients.
Harvey is a member of Mensa and resides in Oakland, New Jersey. He can be
reached at 201-962-8463.
business matters | June 2012 13

Support our Advertisers
Advertisers in this issue are members of
the North Jersey Regional Chamber of
Commerce. We hope you will support
them with your business.
Grow Your Own
Big Bold Business with
Tips from 72 New
Jersey Business Women!
“Jersey Women Mean Business!” is jam-packed
with ideas, insight, and inspiration! it’s like having
business specialists at your fingertips 24/7.
Visit us at www.BigBoldBusiness.com
Order online at www.WoodpeckerPress.com
Meg An g e l a
r a p h i c s llc
Delivering Creative Solutions
Robin Wilson
P.O. Box 205
Pequannock, NJ 07440
Tel: 888.469.8103
Cell: 973.600.3471
Fax: 973.305.8652
megangela@optonline.net
Shop
Styertowne
this summer!
1051 Bloomfield Avenue, Clifton, NJ 07012
14 June 2012 | business matters

The Young Professionals of North Jersey (YPNJ)
Networking Pays Dividends at YP After Hours Event
When Evru Kuscan, Personal Banker for Investors Bank
(Clifton Avenue Branch) recently attended her first
Young Professionals (YP) After Hours Networking event
with Nancy Iacobucci, Evru met a gentleman who had some CDs
coming due at his bank. She listened and then asked if she could
follow-up with him. The next day, Evru phoned the CD holder and
scheduled a meeting at a location most convenient for him. “It wasn’t
necessary for him to come to the bank and I was just as happy to
meet on his turf to explain how we could help him. Investors Bank is
known for its excellent customer service,” smiles Evru.
As a result of Evru reaching out to the new acquaintance, he
opened an account by transferring a quarter of a million dollars
to her branch. Since then, he invested another $35,000 at the bank
and Evru is pleased that she can help him make the most of his
money. Kuscan’s credits the new account to her excellent follow-up
and customer service.
“I have been to other Chamber events, but this was the first time
I ever attended a YP Networking event,” smiles Evru. When asked
about the secret to her success, she explained, “Following-up is the
Evru Kuscan and
Nancy Iacobucci at YP event
most important thing anyone can do. I met a really good person who
I am able to help and hopefully he will refer me to a friend and we’ll
end up with more referrals,” smiles Kuscan. You can reach Evru at
eaguirre@myinvestorsbank.com or at 973-798-6250.
*If you have a YP success story, please let us know!
we are not mindreaders
tell us what you think!
Our goal is to deliver content that you can use and we want to know how we can make Business Matters better. Please
complete the brief survey below and fax it to Naoma Welk at 973-762-6742 or email her at naomawelk@aol.com.
1
2
3
4
5
Do you read Business Matters as soon as you receive it?_ ______________________________________
Do you pass Business Matters along to your colleagues?_______________________________________
What topics would you like us to cover in future issues?_ ______________________________________
Would you like to see a list of contents on the cover?__________________________________________
Do you consider Business Matters a marketing tool for your business?_ ____________________________
_ _____________________________________________________________________________
6
What would help you become more involved in both the Chamber and Business Matters magazine?_________
_ _____________________________________________________________________________
_ _____________________________________________________________________________
Thank you for taking time to respond. I am looking forward to hearing your feedback as soon as possible.
Naoma
business matters | June 2012 15

APPLICATION FOR MEMBERSHIP
COST
$275 (1-4 FT Employees)
$325 (5-25 FT Employees)
$500 (26-75 Employees)
$650 (76 - 150 FT Employees)
NAME OF BUSINESS OR INDIVIDUAL: ___________________________________________________________________
ADDRESS ________________________________________________ CITY _______________________ ZIP___________
PHONE _____________________________________ FAX ____________________________ DATE _________________
WEBSITE ______________________________________________EMAIL ______________________________________
BUSINESS DESCRIPTION: _____________________________________________________________________________
__________________________________________________________________________________________________
BUSINESS CLASSIFICATIONS (LIST TWO) _____________________________ ___________________________________
NUMBER OF FULL-TIME EMPLOYEES __________ YEAR BUSINESS ORIGINATED ________________
CONTACTS:
MAIN: _________________________________________________________ Title:_______________________________
Email: _______________________________________________ Phone: _______________________________
BILLING: _______________________________________________________ Title:_______________________________
Email: _______________________________________________ Phone: _______________________________
OTHER: ________________________________________________________ Title:_______________________________
Email: _______________________________________________ Phone: _______________________________
OTHER: ________________________________________________________ Title:_______________________________
Email: _______________________________________________ Phone: _______________________________
HOW DID YOU LEARN ABOUT THE CHAMBER?
Chamber website (www.njrcc.org) Referred by: ________________________________________________
Chamber Flyer/Brochure Event Social Media Other/Event, Please List __________________________
MEMBERSHIP INVESTMENT $ __________________ + One-Time $25 Processing Fee TOTAL = $ __________________
CASH CHECK CREDIT CARD OTHER
VISA/MASTERCARD/AMEX/DISCOVER # ___________________________________________ EXP. DATE: ___________
FULL BILLING ADDRESS: __________________________________________________________ SECURITY CODE: _____
SIGNATURE OF MEMBER _____________________________________________________________ DATE: __________
This application is subject to approval by the Chamber’s Executive Committee. Your membership investment is tax deductible as a business
expense. Membership is continuous unless canceled by written notice to the Chamber.
Mail this application to: NJRCC, 1033 Route 46 East, Suite A103, Clifton, NJ 07013 or FAX it to 973-470-9245.
For Office Use Only:
Approved by Executive Committee. Date: _____________ Notes: _________________________________________________________________________
Rev 01/2010
16 June 2012 | business matters

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