Volume 16, No. 11November 30th - December 15th 2012FREE PUBLICATION

201-349-4336

Pg. 2 On the Cover

Hudson Then& Again. . .

Pg. 21

Pgs. 23 - 28

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LOCK?See Page 2

Pg. 7

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Corrado and fellow actor Doug Schneider knock on the door of a typical home and are greeted by a little girl (professional actress Mallory Brinkley.) When they ask if her mommy and daddy are home to find out if the family has enough “protection” the girl points to a Muller Insurance sign on the house and tells them “we have all the protection we need.”

He stands 6’4”, weighs 300+ and has an even bigger presence on screen. Film and TV viewers may recognize Alex Corrado for the parts he’s played in films with stars like Danny Aiello and TV shows like “Sex and the City.” He’s the gentle giant who plays tough guys. He’s also the very funny and likeable “wiseguy” seen in the popular TV commercial for Muller Insurance where

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Actor Alex Corrado makes ABig Splash on Stage and Screen

by Sally Deering

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on the cover . . .By Sally Deering

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I’m in Hoboken at least five people stop me on the street. Neighbors I’ve never spoken to ask me ‘are you the guy in that commercial?’” The Muller Insurance commercial took about four hours to shoot, Corrado says, and young actress Mallory Brinkley is a pro. “The kid is great,” Corrado says. “Everybody asks me if she’s one of Roger Muller’s kids but she’s really a professional actress. The other actor, Doug Schneider I brought in. We were flown to Italy to do an Ikea commercial and hit it off. That commercial became huge in Italy.” In the first three weeks the “Friendly Neighbors” commercial was seen on YouTube it went viral with 24,000 hits, Roger J. Muller, Jr. of Muller Insurance in Hoboken says. “It’s definitely being noticed,” Muller says. “I love Alex’s face at the end of the commercial when Mallory closes the door in his face.”

More than Just a Pretty Face

Corrado, 51, turned to acting

The commercial goes something like this:

Wiseguy (Corrado): “Hey little girl, is your mommy and daddy home?” Little girl (Brinkley): “Who’s asking?” Wiseguy (Corrado): “Friendly neighbors. We want to make sure your family is, uh, protected.” Little girl (Brinkley): “You mean from fire, burglary, liability?” Wiseguy (Corrado): “Listen little girl, you don’t seem to understand…” Little girl (Brinkley): “You don’t seem to understand. See that sticker? We’re already protected. Capiche?”

The commercial airs on cable-TV and can be seen on YouTube.com, (Muller Insurance “Friendly Neighbors”). It has become so popular it received more than 30,000 hits so far. “I’m definitely getting a lot of play from it,” Corrado says from his home in Rutherford. (He moved there from Hoboken a few years back.) “Every time

later in life. In the 1980s and early 90s, he attended medical school in Italy and became a physician specializing in internal medicine, but it just wasn’t his passion. Having been a movie buff all his life, something he picked up from his parents who shared with him their love for films like Casablanca and Of Human Bondage. So Corrado left medicine and went to New York University to study screenwriting. From there, he ventured into acting. “I got into acting in 1998,” Corrado says. “It was an Off-Off Broadway show written by Nathan Gottlieb who wrote for the Newark Star-Ledger about three mob brothers who want to be actors. In the play, we get cast in a small film and end up robbing our own crime family to pay for it. I’m working on making it into a movie.” After his Off-Off Broadway debut, Corrado went on to play film and TV roles. He just completed the movie “1,000 Times More Brutal,” and in 2011 he worked on several projects including “Hero,” “Business is Dead” and “Lights Out.” In

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con’t from pg. 22010, he played Lou in the “The Fallen Faithful” and before that he was in the films “Get Low,” “Just Like Joe,” and “Rapturious.” In 2003, he played Ernie the biker in “Mail Order Bride” and in 2002 he was featured as Bernie in the “Sex and the City” episode where Carrie and the girls take a weekend in Atlantic City. One of his earliest roles was in the 2000 film “Dinner Rush” with Academy Award winner Danny Aiello. The two have remained friends ever since. Aiello even sang at Corrado’s wedding. “Danny’s a great guy and that’s a great movie,” Corrado says.

All in the Family Corrado is married to Lisa Marie Madden who works in film production and recently the couple returned from a trip to Iceland where she was working on the Ben Stiller remake of “The Secret Life of Walter Mitty.” They also visited Italy and Ireland. “Our trip to Italy and Ireland was for our anniversary,” Corrado says. “We had to stop in Dublin because my wife is Irish. We then went to Rome, Florence, Venice. I had proposed to her in

Venice on the top of the RialtoBridge. I’m hooked up in Italy. The police whisked us from the airport to the hotel and took us to the Vatican. I’ve seen the new Pope five times already. I didn’t get to shake his hand, but I will meet him someday.” Currently, Corrado is working on several projects including a show about him and his brother Roger Corrado of Weehawken who owns The Windmill eatery on Hudson Avenue in Hoboken. Just like his brother Alex, Roger Corrado switched gears mid-career. “He’s a Wall Street guy by trade,” Corrado says. “He was a higher up and now he’s delving into gourmet fast food as a side thing. I hang out there on Friday, sometimes Saturday nights with a group of friends. Danny Aiello stops by when he’s in town, too,” Corrado seems to be enjoying his celebrity and he believes luck is very important when building a show business career. “It’s better to be lucky than good,” Corrado says. “Today it’s so hard to get a role – a line in something – so someone has to like you for some reason. I’ve had some great success in this business.”

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How to Succeed tells the story of young window-washer J. Pierrepont Finch (played by Junior Nicholas D’Amato), who begins a meteoric rise from the mail room to Vice President of Advertising at the World-Wide Wicket Company thanks to a self-help book and some unorthodox (and morally questionable) business tactics. As Finch rises on the career ladder, his methods jeopardize not only his career, but also his romance with Secretary Rosemary Pilkington (played by Junior Amanda Rosati). How to Succeed is a delightful musical satire of corporate life and office politics, packed with memorable songs such as “Brotherhood of Man” and “I Believe in You.” How to Succeed won both the Tony and Pulitzer Prize at its 1961 debut, and returned to Broadway for two revivals, in 1995 featuring Matthew Broderick, and recently in 2011 starring Daniel Radcliff. BHS Drama hopes to charm audiences with this witty, high-energy musical production! Performances of How to Succeed in Business Without Really Trying are Friday and Saturday, December 7th and 8th at 7PM, and Sunday December 9th at 2PM in the Alexander X. O’Connor Auditorium at Bayonne High School. Tickets are $12 for adults and $10 for students and seniors, and can be purchased at the door or in advance at www.bhsdramasociety.com.

The Bayonne high School Drama SocieTy inviTeS you To Their laTeST hiT muSical ProDucTion “how To SucceeD in BuSineSS wiThouT really Trying!”

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Holiday gift shopping for loved ones and friends can be fun, so why not add another name to your gift-giving list like a local charity or non-profit that helps those who need a

helping hand. Hudson has several homeless shelters (where lots of children are forced to call it their home), food pantries, health organi-zations and other non-profits that help people move on and up with their lives. And let’s not forget Hurricane Sandy was just a few weeks ago and the many New Jerseyians that lost their homes. To help you with your donation-giving, Riverview Observer has compiled a sampling of non-profits that can use a little holiday help this year. And remember, alldonations are tax deductible.

Building an Empire, Inc.229 MLK DriveJersey City, NJ 07305(201) 536-8590www.buildinganempireinc.com Diane Coleman, Founder and President of Building an Empire, Inc. opened the storefront non-profit in 2001 to help the MLK community find housing, jobs, resources and referrals that would helpimprove their lives, espe-cially when faced with a tough situation.

Holdiay Giving Cont’d on page 6

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Holiday Giving -Cont’d from page 4

The York Street Project89 York StreetJersey City, NJ 07302(201) 451-9838www.yorkstreetproject.orgThe mission of York Street Project is to weave innova-tive programs that shelter, feed, educate and promote the healing and indepen-dence of persons in need, especially women and their children. York Street Proj-ect offers several programs including: The Nurturing Place: Child-hood development for homeless and low-income children aged four months to six years whose mothers reside in St. Joseph’s Home or attend Kenmare High School. St. Joseph’s Home: Provides communal living to a home-less woman and her child(ren) with 18 months

of support to improve her life and attain permanent, affordable housing.Kenmare High School: A fully accredited alterna-tive high school for women 17-35 who dropped out of school. Kenmare also provides childcare for their children. St. Mary’s Residence: Safe, affordable housing for single working women with limited income. Cusack Care Center537 Pavonia AvenueJersey City, NJ 07306(201) 653-8300www.cusackcarecenter.orgThe Cusack Care Center is a 139-bed nursing facility housed in the historic St. Jo-seph’s Home for the Blind. It was founded by the Sis-ters of St. Joseph’s of Peace in 1891 and has provided care to the blind and elderly. Since 2002, as the Margaret Anna Cusack Care Center, it has expanded services to include sub-acute/short term care and dementia care services.

Palisades Emergency Residence Corporation (PERC)108 36th StreetUnion City, NJ 07087(201) 348-8150www.percshelter.orgPERC provides emergency shelter for women, men and families, permanent housing for homeless individuals, a soup kitchen and food pan-try, advocacy, and educa-tional and community-based support services for adults and children.

Dress for Success(Suits for Success)121 Newark AveJersey City, NJ 07302(201) 395-0202

Holiday Giving Con’t on page 10

Building an Empire serves 7500 clients a year, offering them socialservices, employment train-ing, resume preparation, employment leads, hous-ing assistance and landlord interventions. The work Coleman is doing on MLK Drive helps pave the way to a better future for those who live on the fringe; still try-ing to build their lives.

Rising Tide Capital, Inc. 334 MLK DriveJersey City, NJ 07305(201) 432-4316www.risingtidecapital.org Since 2004, Martin Luther King Drive has been the home of Rising Tide Capital (RTC), a non-profit organization that assists local entrepreneurs to start and grow businesses. Alfa Demmellash and Alex

Forrester founded RTC witha shared vision to inspire job growth in the Bergen-Lafayette community. Rising Tide Capital offers the Community Business Academy, an 11-week course that offers individu-als the needed tools to start and grow their small busi-ness. Entrepreneurs who are a little further along in their business plans can benefit from RTC’s coaching, con-sulting, technical assistance, and specialized business seminars.

The Hoboken Shelter300 Bloomfield St.Hoboken, NJ 07030(201) 656-5069www.hobokenshelter.orgThe Hoboken Shelter opened its doors in 1982 to serve the ever growing homeless population and

provides 300 meals a day and overnight housing to 50 women and men. The Hobo-ken Shelter also provides a Change & Independence Program; Job and Life Skills Program and Computer LiteracyProgram.

Hope HouseCatholic Charities of the Archdiocese of Newark246 – 2nd StreetJersey City, NJ 07302(201) 420-1070www.ccannj.comHope House provides emer-gency shelter for women with children. Housing up to 17 mothers and their children, the program offers short-term (45 days) super-vised residence, assessment, planning, case management, housing, education, food, and clothing.

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By Maureen Wlodarczyk For most of us, the big-gest downside immediately following Thanksgiving is stepping on the scale and being forced to face up to the result of our over-indulgence in the turkey, trimmings and tempting pies that graced our holi-day tables. Not so for early 20th century Hoboken artist Charles Schreyvogel, whose ill-fated Thanksgiving meal of 1912 proved deadly when a sliver of poultry bone pierced his gum and ultimately led, some weeks later, to a fatal case of blood poisoning at age 51. Charles Schreyvogel, born on the East Side of Manhattan in 1861, was the son of Paul Schreyvogel, a German-born confectioner and shopkeeper and his wife Teresa Erbe. In the 1870s, the Schreyvogel family moved to Hoboken where young Charles attended anpublic school and worked as an office boy, apprentice

Charles SchreyvogelHoboken Artist Late 1880s

in a pipe-manufacturing company and then as a lithography shop apprentice. Interested in drawing and painting from childhood, Schreyvogel was fortunate to cross paths with H. Au-gust Schwabe of the Newark Art League who encouraged him to attend art classes sponsored by that organi-zation. Those classes led to Schreyvogel giving art lessons to supplement the wages he earned working in the lithography shop. In the early 1880s, while living on Hudson Street,

Hudson Then...Again

Charles Schreyvogel

Schreyvogel was introduced to Dr. William R. Fisher,an art connoisseur who saw

talent in the young artist and recommended that he goto Europe to study art.

Schwabe and Fisher provided the financial

Cont’d on page 9

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Hudson Then...Again

Maureen Wlodarczyk is a fourth-generation-born Jer-sey City girl and the author of three books about life in Jersey City in the 1800s and early 1900s: Past-Forward: A Three-Decade and Three-Thousand-Mile Journey Home, Young & Wicked: The Death of a Wayward Girl and Canary in a Cage: The Smith-Bennett Murder Case. For info: www.past-forward.com.

Cont’d from Page 7Charles Schreyvogel

resources necessary to un-derwrite Schreyvogel’s three years of studies at the Munich Art Academy. After finishing school in Germany, Schreyvo-gel returned to Hoboken and his work as a lithographer while also painting portraits, miniature paintings on ivory and doing sketchwork for cal-endar manufacturers. Popular success eluded Schreyvogel despite his formal studies and benefactors. He established a Hoboken studio and strug-gled to make a living while trying to promote his work

during the 1890s. About this time, good fortune visited Schreyvogel once again when he made an acquaintance with William “Buffalo Bill” Cody that resulted in the opportunity to visit the Wild West Show where he sketched cowboys, Indians and horses. (In a 1900 newspaper interview, Schreyvogel told the reporter that, as a child, he dreamed of painting Indians.) In 1893, at age 32, three life-changing events took place in Schreyvogel’s life: his beloved mother died, he fell in love with Louise Walther ofHoboken and he made his first

Schreyvogel painting on the roof of his Hoboken studio

paintings although he exhibited at the Pennsylvania Academy of Fine Arts in Philadelphia and the National Academy of Design in New York. All that changed in 1899 when Schreyvogel reluctantly entered his Western painting “My Bunkie” in the an-nual exhibition of the National Academy of Design and won the highest prize, $300. That same painting, which had at one time hung on consignment in an East Side restaurant to no takers, also won medals at the Paris and Pan-American Expositions and is now in the collection of The Metropolitan Museum of Art. Schreyvogel became a so-called “overnight success” that brought him to the attention of the art commu-nity and President Teddy Roosevelt who invited the artist to the White House. The most accomplished and famous Western artist of that era, Frederic Remington appar-ently was unimpressed with Schreyvogel’s work which he criticized in newspapers of the day as historically inaccurate.

trip west. He spent several months in Colorado on the Ute Reservation sketching Indian life and then moved on to Arizona where he spent time drawing cowboys. In August 1894, Schreyvogel and Walther married, reportedly despite her father’s objections. Schreyvo-gel continued working as a lithographer as there was little interest in his Western

Schreyvogel in his Hoboken Studio

Elizabeth Custer, widow of General George Custer, defended Schreyvogel’s work. Schreyvogel reportedly made no direct response to Reming-ton’s allegations. Schreyvogel made several additional trips west doing research for his paintings at Indian reservations and Army posts. With Frederic Rem-ington’s death in 1909 from complications resulting from an appendectomy, Schreyvogel became known as the pre-em-inent painter of the American West. Notwithstanding such success, a local newspaper reporting Schreyvogel’s death three years later stated that the artist “was doing hack work for lithographers in 1900” when his oil painting “My Bunkie” unexpectedly won the prize at the National Academy. Hack work? Schreyvogel oil paintings have sold in recent years for over one million dollars.

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Holiday Giving Con’td from Page 6

www.dressforsuccess.orgSince 1997, Dress for Suc-cess has served more than 650,000 women around the world. Each Dress for Success cli-ent receives one suit when she has a job interview and additional apparel up to a week’s worth of cloth-ing when she becomes employed. Its Professional Women’s Group Program provides clients a place to network with other women and programs where they develop skills to advance their careers.

Bayonne Economic Opportunity Foundation (BEOF)Community Action Partnership555 Kennedy BoulevardBayonne, NJ 07002(201) 437-7222www.beof.orgThe Bayonne Economic Opportunity Foundation’s (BEOF) Community Action Partnership is the designated community action agency for Bayonne that provides programs for low-income families, seniors and those who are disabled. Programs include Head Start, Meals on Wheels, Elderly and

Handicapped Transporta-tion, Hispanic Affairs and homeless prevention. It also oversees a food pantry and the Home Energy Assistance Program which helps resi-dents with their heating and cooling bills

THE KENNEDY DANCERS ANNOUNCESHOLIDAY DANCE CONCERT SATURDAY, DECEMBER 15 AT 7:30PMSUNDAY, DECEMBER 16 AT 3:30 PM The program will include dances that celebrate cul-tures and holidays from the Caribbean (“Caribbean

Silent Night,” music by Spe-cial FX), Kwanzaa (“Thanks to The Earth,” music by Baba Alatunjio). The dances are uplifting and enchanting choreographies that cel-ebrate December’s unique holidays and winter solstice. This year’s Holiday Dance Concert will feature ap-prentices from The Kennedy Dancers’ Inner City Youth Junior Dance Company per-forming along with students from The Kennedy Dancers children’s Wednesday ballet and tap dance classes. Diane Dragone, Artistic Director of The Kennedy Dancers, has created all choreogra-phy.Tickets prices: $20 for Adults, children & seniors under the age of 12 will pay $15. No tickets will be sold at the door on day of either performance. Seating is limited 48 persons per show, and tickets will be sold limit 4 tickets per night.

For more information: Di-ane Dragone (201) 659-2190

The Kennedy Dancers, Inc.79 Central AvenueJersey City, NJ 07306P (201) 659-2190F (201) 792-1523www.kennedydancers.org

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Art ExhibitInterconnectedSaturday, December 8 -

Sunday, December 30, 2012

hob’art galleryMonroe Art Center

720 Monroe Street, E208, Hoboken, NJ 07030

Thurs. & Fri. 1-5pm, Sat. & Sun., 12 to 5pm and

by appointmentCont’d on page 17 Roslyn Rose -Closed VI

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Art Exhibit Cont’d from page 16

On Saturday, Decem-ber 8, 2012, the exhibition, Interconnected, will open at the hob’art gallery, 720 Monroe Street, Hoboken, NJ and continue through December 30. A reception to meet the artists will be held on Sunday, December 15, 5:30 to 8:00pm. During the monthly Hoboken Gallery Walk, the artists will discuss their artwork starting at 3:30pm. On Saturday, De-cember 29, starting at 5pm, a holiday Potluck Party will be hosted by hob’art mem-bers to celebrate the end of the first year of operating a brick and mortar gallery at the Monroe Center. Gal-lery hours are Thursday and Friday, 1-5pm, Saturday and Sunday, 12 to 5pm and by appointment. The art-ists thank the Monroe Art Center and the hob’art gal-lery for their support of this exhibition. The three celebrated art-ists featured in Interconnect-ed are exhibiting artwork using photographs, yet each approach the medium in a

distinctive and different way. Visitors are encouraged to distinguish the individual-ity and the interconnection between each artwork and each artist.Pauline Chernichaw always carries her digital cam-era and obtains images of whatever catches her eye. She calls it a ‘visual infatu-ation with her life’s jour-ney.’ Her fascination with shapes, colors, textures, and light are reflected in her pictures. France Garrido is best known for her highly detailed and intricate mixed media and collage works that exemplify the Visionary & Surrealist genre. She in-corporates sacred geometry, specifically the circle in the square, with a whimsical use of silhouette and photo transfer. Roslyn Rose, noted for her Photographic Mon-tages include original and found images, emphasizing the contrasting of appear-ance and actuality. Time and place are juxtaposed in her pictures, allowing the viewer to add their own memories to the experience.

Pauline Chernichaw “Last Supper”

France Garrido “From The Heart”

To see the above artwork in color go to

www.riverviewobserver.net

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restaurant VIEWS -Still Delicious After all These Years

By Sally Deering Houlihan’s restaurant has always been a big attraction on the Weehawken water-front. Located in Lincoln Harbor with stunning views of the New York Skyline, Houlihan’s offers customers a hearty lunch and dinner menu, divine drinks and del-ish desserts and even though it’s been a Weehawken staple, the restaurant’s stan-dards are as high as the day it opened.

The décor is cool and the atmosphere cozy with over-stuffed booths and tables that give patrons enough space to hold a private conversation. The three-sided bar is large enough for groups to gather to watch their favorite games on the big HD TVs and the light-ing, warm and relaxing. “We’re very customer-oriented,” general manager Keith Miller says. “Our goal is to make every customer a repeat customer. Regulars and repeat customers are the pulse of the restaurant.” If the customers are the pulse, the food is Houlihan’s heart and soul. The cuisine is Asian, Italian and Ameri-can-inspired. Everything

is cooked to order and only fresh ingredients are used. “Everything we make is fresh every day,” Miller says. “A long time ago Houlihan’s slogan was ‘fresh not frozen’ and it still explains what we do.

The purrr...fect comedy cocktail!

We’re one of the few chains that make our dishes from scratch every day.” The lunch menu offers smaller-sized versions of the dishes served on the dinner menu. It features Appetiz-ers, Small Plates, Entrees,

Frites Bar, Salads and Sandwiches. Appetizers include Wings, Golden Fried Chicken Fingers, Crispy Calamari, Ultimate Nachos, Blackened Chicken and Caramelized Onion Quesadilla, Asian Chicken Lettuce Wraps, and Stuffed “Shrooms”.I sampled the Shrooms which were Panko crusted and crunchy on the outside and juicy on the inside. Absolutely delicious! Small Plates include Asian Style Ribs, Goat Cheese and Artichoke Pop-pers, Mac and Cheese, and Seared Sea Scallops served with mashed potatoes and veggies. The scallops were sweet with a yummy crunchy top and the mashed, buttery and divine. The broccoli was cooked just right. Entrees feature Down Home Pot Roast, Chicken Parmesan, Grilled Rose-mary Chicken, and Chipot-le-Smoked Chicken Enchi-ladas. Entrée Salads include Classic Chicken Caesar, Heartland Chicken Salad, Buffalo Bleu Salad, Mandarin Grilled Chicken Salad, BBQ Salmon Salad and the House Salad, which was fresh, light and topped with a combination of mild white cheddar and mozza-rella cheeses. The dinner menu fea-tures steaks, prime rib and seafood dishes like Scallops served over Lemon Risotto. Desserts are homemade and the Crunch Pie made with Snickers and vanilla ice cream in an Oreo cookie crust sounds absolutely divine.

Cont’d on page 22

HOULIHAN’S Weehawken

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restaurant VIEWSCont’d from page 21- Houlihan’s Weehawken

The owners of Wee-hawken’s Houlihan’s also own Houlihan’s in Bayonne and Secaucus and they must be doing something right because the wait person who served my table, Heather Zahn has been with the company since 2003. Zahn, a North Bergen resident, first started at Houlihan’s while studying for a Bach-elor’s Degree at New Jersey City University and after graduation, she stays on staff while embarking on a career in theater. “The staff is like my second family,” Zahn says. “There’s camaraderie here and I wholly enjoy the people I work with. I like what I do and overall my employers have been very good to me.” Delicious food and a happy staff that serves your freshly-prepared meals with a smile – sounds like the perfect recipe to make any Houlihan’s first-timer into a regular.

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riverviewobserever

Heather ZahnIf you go:

Houlihan’s1200 Harbor Boulevard

Weehawken, NJ201-863-4000

www.houlihans.com

(Houlihan’s in Bayonne)151 LeFante Way

Bayonne, NJ 07002(201) 858-0400

(Houlihan’s in Secaucus)700 Plaza Drive

Secaucus, NJ 07094(201) 330-8856

Attic Ensemble Auditions for HAVING OUR SAY The Attic Ensemble, Theater for a New Jersey City, announces auditions for Having Our Say: The Delany Sisters’ First 100 Years adapted by Emily Mann. The play will be directed by Judith Moss. Auditions are Monday, December 10 and Tuesday, December 11 at 7:30 pm at the Historic Barrow Mansion, 83 Wayne Street, Jersey City. Casting: Two female African-American actresses (45 or older) to portray 103 and 101-year-old Sadie and Bessie Delany. They are edu-cated women, with strong faith and love of history, family and each other. HAVING OUR SAY opens as 103-year-old Sadie Delany and 101-year-old Bessie Delany welcome us into their Mount Vernon, New York, home. As they prepare a cele-bratory dinner in remembrance of their father’s birthday, they take us on a remarkable jour-ney through the last hundred years of our nation’s history, recounting a fascinating series of events and anecdotes drawn from their rich family his-tory and careers as pioneering African-American profession-als. Their story is not simply African-American history or women’s history. It is our American history, told through the eyes of two unforgettable women as they look not only

into the past, but also ahead into the twenty-first century. Please prepare a brief monologue that shows a wide range. Sides from the script will be provided for cold read-ings at the audition and posted on our website. Familiarity with the script is encouraged. There are no appointments necessary; actors will be seen on a first come/first served basis. Bring pix & résumés, stapled together. This is a non-union production. There is no pay/no fee.For directions visit our website at www.atticensemble.org or

201 413-9200. Performances are February 15-24, 2013: Fridays and Saturdays at 8 pm; Sunday matinees at 3 pm and Thursday February 21st at 7 pm. The Attic Ensemble is located just two blocks from the Grove Street PATH Station, in the Historic Barrow Mansion, 83 Wayne Street, Jersey City. There is free parking after 7 p.m. in the parking lot 1 ½ blocks away on Christopher Columbus Drive. For directions and further infor-mation: www.atticensemble.org; phone (201) 413-9200, e-mail: info@atticensemble.org.

Page 23 -November30th-December 15th River View Observer

Chubb refers to the insurers of the Chubb Group of Insurance Companies. Chubb Personal Insurance (CPI) is thepersonal lines property and casualty strategic business unit of Chubb & Son, a division of Federal Insurance Company, as

manager and/or agent for the insurers of the Chubb Group of Insurance Companies. This literature is descriptive only.Not available in all states. Actual coverage is subject to the language of the policies as issued. Chubb, Box 1615, Warren,

NJ 07061-1615. ©2010 Chubb & Son, a division of Federal Insurance Company. www.chubb.com/personal

Muller Insurance930 Washington StreetHoboken, NJ 07030 • 201-659-2403www.mullerinsurance.com

Financial Strength and Exceptional Claim Service Homeowners | Auto | Yacht | Jewelry | Antiques | Collector Car

Don’t replace gingerbread with anything half-baked.Yours isn’t a cookie–cutter home. So if your house is damaged, you want repairsthat respect its unique, perhaps historic, design. As your insurance advisor, werecommend a Chubb Masterpiece® policy with Extended Replacement Costcoverage. While other insurance companies are eliminating this valuable coverage,we know that Chubb is committed to repairing your home to the original splendorthat’s been detailed in their complimentary appraisal. With Chubb’s practice ofhandling claims promptly and fairly, you’ll see why we consider Chubb the bestchoice for discriminating homeowners. To see how we can create a personalinsurance program with Chubb to meet your sophisticated needs, please call us.

REAL ESTATE HINTS: This is What You Can Do to Avoid “Unlock Shock” When interest rates fluctuate higher, some home-buyers and refinancers expe-rience the shock of having their locked-in loan-interest commitments unlocked before settlement. All too often, misunder-standings stem from the fact that a loan commitment is only given for a specific period of time. Borrowers often fail to understand (or lenders do not make clear) the terms of the lender’s commitment: at what date the loan terms are firmly locked in, and how long the commitment period lasts. What can be done to avoid the shock of seeing your loan commitment unlocked? •Get your commitment clearly stated in writing. Read the small print carefully to detect any escape clauses sup-plied by the lender. •If you’re able to, make a quick move. Choose a lender who will set a closing date soon after your loan applica-tion. Ask the lender to esti-mate, in writing, how long the loan process will take. •If you are able to make at least a 10% down pay-ment, shop for a lender who will let you supply essential

information (income, employ-ment, mortgage-payment re-cord, etc.), rather than making them gather such material from other sources. •Keep in touch with your loan officer to make sure that regular paper work (applica-tion, credit report, appraisal, etc.) is not bogged down. •Alert your employer, your lawyer, your creditors and any inspectors or other people you’re hiring in connection with your home purchase. Ask them to expedite their efforts on your behalf. •Opt for an adjustable-rate mortgage instead of a fixed-rate loan (Even though the cur-rent fixed-rate is attractive),especially if you plan to oc-cupy your home for a short time.

ARM loans still come in sev-eral percentage points below fixed-rate mortgages. Be sure to reach for an ARM with caps that limit the increase in rates, both short-term and life-of-the-loan. •If rates have already exceeded your budget, and you do not wish to finance through an ARM, try to counteract the high rate by making a larger down payment.

Hudson Harbor Realty Corp We’ll be happy to discussfinancing options with you. Call or e-mail us to take advantage of our experience and professionalism.

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