TRT - Testosterone Replacement Therapy in Boonton, NJ

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 HRT For Men Boonton, NJ

What is Testosterone?

Testosterone is a crucial hormone for men and plays an important role throughout the male lifespan. Most of a male's testosterone is produced through the testicles. Also called the male sex hormone, testosterone starts playing its part during puberty.

When a male goes through puberty, testosterone helps males develop:

  • Facial Hair
  • Body Hair
  • Deeper Voice
  • Muscle Strength
  • Increased Libido
  • Muscle Density

As boys turn to men and men grow older, testosterone levels deplete naturally. Sometimes, events like injuries and chronic health conditions like diabetes can lower testosterone levels. Unfortunately, when a man loses too much T, it results in hypogonadism. When this happens, the testosterone must be replaced, or the male will suffer from symptoms like muscle loss, low libido, and even depression.

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How Does TRT Work?

TRT is exactly what it sounds like: a treatment option for men that replaces testosterone so that your body regulates hormones properly and restores balance to your life. Also called androgen replacement therapy, TRT alleviates the symptoms that men experience with low T.

Originally lab-synthesized in 1935, testosterone has grown in popularity since it was produced. Today, TRT and other testosterone treatments are among the most popular prescriptions in the U.S.

Without getting too deep into the science, TRT works by giving your body the essential testosterone it needs to function correctly. As the primary androgen for both males and females, testosterone impacts many of the body's natural processes – especially those needed for overall health. For example, men with low T are more prone to serious problems like cardiovascular disease and even type-2 diabetes.

When your body quits making enough testosterone, it causes your health to suffer until a solution is presented. That's where TRT and anti-aging medicine for men can help. TRT helps balance your hormones and replenish your depleted testosterone. With time, your body will begin to heal, and many symptoms like low libido and irritability begin to diminish.

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What Causes Low T?

For men, aging is the biggest contributor to lower testosterone levels, though there are other causes like obesity, drug abuse, testicular injuries, and certain prescribed medications. Sometimes, long-term health conditions like AIDS, cirrhosis of the liver, and kidney disease can lower testosterone levels.

When a man's testosterone levels drop significantly, it alters his body's ratio of estrogen and testosterone. Lower testosterone levels cause more abdominal fat, which in turn results in increased aromatase, which converts even more testosterone into estrogen.

If you're concerned that you might have low T, you're not alone. Millions of men in the U.S. feel the same way. The best way to find out if your testosterone is low is to get your levels tested.

For sustainable testosterone replacement therapy benefits, you must consult with hormone doctors and experts like those you can find at Global Life Rejuvenation. That way, you can find the root cause of your hormone problems, and our team can craft a personalized HRT plan tailored to your needs.

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Low Sex Drive

One of the most common reasons that men choose TRT is because they have lost that "spark" with their partner. It's not easy for a man to hear that they're not performing like they used to. Intimacy is a powerful part of any relationship. When a once-healthy sex life dwindles, it can cause serious relationship issues.

The good news is that low libido doesn't have to be a permanent problem. TRT and anti-aging medicines help revert hormone levels back into their normal range. When this happens, many men have a more enjoyable life full of intimacy and sex drive.

 TRT Boonton, NJ

Inability to Achieve and Maintain an Erection

Weak erections – it's an uncomfortable subject for many men in the U.S. to talk about. It's even worse to experience first-hand. You're in the midst of an intimate moment, and you can't do your part. Despite being perfectly normal, many men put blame and shame upon themselves when they can't achieve an erection. And while the inability to perform sexually can be caused by poor diet, obesity, and chronic health conditions, low testosterone is often a contributing factor.

Fortunately, weak erections are a treatable condition. The best way to regain your confidence and ability in bed is to speak with your doctor. Once any underlying conditions are discovered, options like TRT may be the best course of treatment.

Hair Loss

 Hormone Replacement  Boonton, NJ

Loss of Strength and Muscle Mass

Do you find it harder and harder to work out and lift weights in the gym? Are you having problems lifting heavy items that you once had no problem lifting?

Recent studies show that when men are inactive, they lose .5% of muscle strength every year, from ages 25 to 60. After 60, muscle loss doubles every decade. While some muscle loss is common as men age, a significant portion can be tied to low testosterone levels. When a man's T levels drop, so does his muscle mass.

Testosterone is a much-needed component used in gaining and retaining muscle mass. That's why many doctors prescribe TRT Boonton, NJ, for men having problems with strength. One recent study found that men who increased their testosterone levels using TRT gained as much as 2.5 pounds of muscle mass.

Whether your gym performance is lacking, or you can't lift heavy items like you used to, don't blame it all on age. You could be suffering from hypogonadism.

Testosterone Replacement Therapy Boonton, NJ

Hair Loss

If you're like millions of other men in their late 20s and 30s, dealing with hair loss is a reality you don't want to face. Closely related to testosterone decline and hormone imbalances, hair loss is distressing for many men. This common symptom is often related to a derivative of testosterone called DHT. Excess amounts of DHT cause hair follicles to halt their production, causing follicles to die.

Because hair located at the front and crown is more sensitive to DHT, it grows slower than other follicles and eventually stops growing permanently. Thankfully, TRT and anti-aging treatments for men in Boonton, NJ, is now available to address hair loss for good.

While it's true that you can't change your genes, you can change the effects of low testosterone on your body. Whether you're suffering from thinning hair or hair loss across your entire head, TRT and other hormone therapies can stop hair loss and even reverse the process.

 TRT For Men Boonton, NJ


Also called "man boobs," gynecomastia is essentially the enlargement of male breast tissue. This increase in fatty tissue is often caused by hormonal imbalances and an increase in estrogen. For men, estrogen levels are elevated during andropause. Also called male menopause, andropause usually happens because of a lack of testosterone.

If you're a man between the ages of 40 and 55, and you're embarrassed by having large breasts, don't lose hope. TRT is a safe, effective way to eliminate the underlying cause of gynecomastia without invasive surgery. With a custom HRT and fitness program, you can bring your testosterone and estrogen levels back to normal before you know it.

 HRT For Men Boonton, NJ

Decreased Energy

Decreased energy was once considered a normal part of aging. Today, many doctors know better. Advances in technology and our understanding of testosterone show that low T and lack of energy often go hand-in-hand.

If you're struggling to enjoy activities like playing with your kids or hiking in a park due to lack of energy, it could be a sign of low T. Of course, getting tired is perfectly normal for any man. But if you're suffering from continual fatigue, a lack of enjoyment, or a decrease in energy, it might be time to speak with a doctor.

Whether you're having a tough time getting through your day or can't finish activities you used to love, TRT could help.

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Lack of Sleep

A study from 2011 showed that men who lose a week's worth of sleep can experience lowered testosterone levels – as much as 15%, according to experts. Additional research into the topic found almost 15% of workers only get five hours of sleep (or less) per night. These findings suggest that sleep loss negatively impacts T levels and wellbeing.

The bottom line is that men who have trouble sleeping often suffer from lower testosterone levels as a result. If you find yourself exhausted at the end of the day but toss and turn all night long, you might have low T.

TRT and anti-aging medicines can restore your T levels back to normal, which can help you sleep better with proper diet and exercise.

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You're feeling down about everything, and there's no solid explanation for why you're in such a crummy mood. Your daily life is great and full of success, but you can't help but feel unexcited and unmotivated. If you're experiencing symptoms like these, you may be depressed – and it may stem from low testosterone.

A research study from Munich found that men with depression also commonly had low testosterone levels. This same study also found that depressed men had cortisol levels that were 67% higher than other men. Because higher cortisol levels lead to lower levels of testosterone, the chances of severe depression increase.

Depression is a very real disorder and should always be diagnosed and treated by your doctor. One treatment option gaining in popularity is TRT for depression. Studies show that when TRT is used to restore hormone levels, men enjoy a lighter, more improved mood. That's great news for men who are depressed and have not had success with other treatments like anti-depression medicines, which alter the brain's chemistry.

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Inability to Concentrate

Ask anyone over the age of 50 how their memory is, and they'll tell you it wasn't what it used to be. Memory loss and lack of concentration occur naturally as we age – these aren't always signs of dementia or Alzheimer's.

However, what many men consider a symptom of age may be caused by low testosterone. A 2006 study found that males with low T levels performed poorly on cognitive skill tests. These results suggest that low testosterone may play a part in reducing cognitive ability. If you're having trouble staying on task or remembering what your schedule is for the day, it might not be due to your age. It might be because your testosterone levels are too low. If you're having trouble concentrating or remembering daily tasks, it could be time to talk to your doctor.

Why? The aforementioned study found that participating men experienced improved cognitive skills when using TRT.

 TRT Boonton, NJ

Weight Gain

Even though today's society is more inclusive of large people, few adults enjoy gaining weight as they age. Despite their best efforts, many men just can't shed the extra pounds around their midsections, increasing their risk of heart disease and cancer.

Often, male weight gain is caused by hormone imbalances that slow the metabolism and cause weight to pile on. This phase of life is called andropause and happens when there is a lack of testosterone in the body. Couple that with high cortisol levels, and you've got a recipe for flabby guts and double chins.

Fortunately, TRT treatments and physician-led weight loss programs can correct hormone imbalances and lead to healthy weight loss for men.

 TRT For Men Boonton, NJ

What is Sermorelin?

Sermorelin is a synthetic hormone peptide, like GHRH, which triggers the release of growth hormones. When used under the care of a qualified physician, Sermorelin can help you lose weight, increase your energy levels, and help you feel much younger.

 HRT For Men Boonton, NJ

Benefits of Sermorelin

Human growth hormone (HGH) therapy has been used for years to treat hormone deficiencies. Unlike HGH, which directly replaces declining human growth hormone levels, Sermorelin addresses the underlying cause of decreased HGH, stimulating the pituitary gland naturally. This approach keeps the mechanisms of growth hormone production active.

Benefits of Sermorelin include:

  • Better Immune Function
  • Improved Physical Performance
  • More Growth Hormone Production
  • Less Body Fat
  • Build More Lean Muscle
  • Better Sleep
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What is Ipamorelin?

Ipamorelin helps to release growth hormones in a person's body by mimicking a peptide called ghrelin. Ghrelin is one of three hormones which work together to regulate the growth hormone levels released by the pituitary gland. Because Ipamorelin stimulates the body to produce growth hormone, your body won't stop its natural growth hormone production, which occurs with synthetic HGH.

Ipamorelin causes growth hormone secretion that resembles natural release patterns rather than being constantly elevated from HGH. Because ipamorelin stimulates the natural production of growth hormone, our patients can use this treatment long-term with fewer health risks.

 Ipamorelin Boonton, NJ

Benefits of Ipamorelin

One of the biggest benefits of Ipamorelin is that it is suitable for both men and women. It provides significant short and long-term benefits in age management therapies, boosting patients' overall health, wellbeing, and outlook on life. When growth hormone is produced by the pituitary gland using Ipamorelin, clients report amazing benefits.

Some of those benefits include:

  • Powerful Anti-Aging Properties
  • More Muscle Mass
  • Less Unsightly Body Fat
  • Deep, Restful Sleep
  • Increased Athletic Performance
  • More Energy
  • Less Recovery Time for Training Sessions and Injuries
  • Enhanced Overall Wellness and Health
  • No Significant Increase in Cortisol

Your New, Youthful Lease on Life Starts Here

Whether you are considering our TRT services, HRT for women, or our growth hormone peptide services, we are here to help. The first step to turning back the hand of time starts by contacting Global Life Rejuvenation.

Our friendly, knowledgeable TRT and HRT experts can help answer your questions and walk you through our procedures. From there, we'll figure out which treatments are right for you. Before you know it, you'll be well on your way to looking and feeling better than you have in years!


Request a Consultation

Latest News in Boonton, NJ

Spooky Side Of The Greenway: NJ Urban Explorer Walks Old Boonton Line

ESSEX COUNTY, NJ — Before the Essex-Hudson Greenway, there was the Old Boonton Line. And thanks to New Jersey urban explorer and photojournalist Wheeler Antabanez, its death throes in the next few years won’t be forgotten.Antabanez, a Montclair native who has written for Weird NJ, is no stranger to the unusual. Over the years, he’s captured rare footage of the demolition of a local lege...

ESSEX COUNTY, NJ — Before the Essex-Hudson Greenway, there was the Old Boonton Line. And thanks to New Jersey urban explorer and photojournalist Wheeler Antabanez, its death throes in the next few years won’t be forgotten.

Antabanez, a Montclair native who has written for Weird NJ, is no stranger to the unusual. Over the years, he’s captured rare footage of the demolition of a local legend – Overbrook Asylum in Cedar Grove – and has explored an abandoned structure hidden “somewhere in New Jersey” with an interesting connection to the world of professional skateboarding.

It seems that probing into the guts of urban decay is something Antabanez has acquired a talent for – and he knows it.

His latest endeavor – exploring a soon-to-be-redeveloped abandoned railway line in North Jersey – has produced a book that released earlier this month, “Walking the Old Boonton Line: A Photographic Journey on the Abandoned Rails of New Jersey.” It also served as the source for a movie that will premiere at 9 p.m. on Sunday, Oct. 30 … just in time for Halloween (catch it here).

Article continues below

Last year, officials announced that the state will be purchasing nearly 135 acres of property in North Jersey. The plan? Turn an old, defunct nine-mile railroad line into a 100-foot-wide biking and hiking path.

The ambitious project will cross above the Passaic and Hackensack rivers and pass through eight towns: Montclair, Glen Ridge, Bloomfield, Belleville, Newark, Kearny, Secaucus and Jersey City.

The greenway will follow the right-of-way of the eastern portion of NJ Transit’s former Boonton Line. Passenger service was discontinued on this portion of the line in 2002. Following termination of NJ Transit’s commuter service, limited freight service continued until the last rail customer ceased operations in 2015.

The area is technically off-limits to visitors until it’s completed. But as he’s done in the past, Antabanez has managed to get a firsthand glimpse at a piece of New Jersey history that will soon become just a memory.

Antabanez’s new book and movie are the latest chapters in his efforts to document the abandoned rail system. In 2021, he released a 200-page book of photos and accompanying 40-minute movie, “Walking the Newark Branch: A Photographic Journey on the Abandoned Rails of New Jersey” – which details his exploration of an offshoot of the old Boonton Line.

To capture his footage, Antabanez ventured into what he calls the “underworld” of New Jersey, walking the abandoned tracks from one end of the line to the other.

As he made the journey, Antabanez says he found a hidden beauty amid the haunting rubble. Read More: Poetry Amid Decay; NJ Photographer Explores Abandoned Railway

Starting in the Meadowlands where the Newark Branch peels off from the Old Boonton Line, he passed landmarks such as the abandoned WNEW radio transmitter, Clark Thread Mill, NX Bridge, Riverside Industrial Superfund Site, Walter Kidde Brownfield Site and the Nutley Train Trestle.

He also encountered a hulking “Christmas cat” structure in Belleville that's surely among the weirdest sights in North Jersey. Read More: NJ's Giant Weird Kitty – Essex County Urban Explorer Tells Its Story

In the end, Antabanez said he hopes his book and movie about the old Boonton Line will serve as a glimpse into a piece of Garden State history.

“This book is a marker for the winter of 2021/2022, the last moments when the Old Boonton Line was still perfectly abandoned, wild, and free,” he writes.

Send local news tips and correction requests to [email protected] Learn more about advertising on Patch here. Find out how to post announcements or events to your local Patch site.

Northwest Jersey Athletic Conference boys soccer coaches' all-stars

NJAC-AmericanFirst team: Gabe Ruitenberg, Roxbury senior; Nate Zimmermann, Delbarton senior; Patrick Ferrare, Montville senior; Jack McLaud, Mendham senior; Aiden Metz, Roxbury senior; Kevin Cull, Delbarton senior; Kevin Martinez, Randolph senior; Ian Kaiser, Montville senior; Collyer McLaud, Mendham senior; Joshwin Jennings, Delbarton senior; Tim Wilk, Roxbury senior; Daito Sho, Chatham junior; Ryan Eapen, Morristown seniorSecond team: Devon Alexander, Morristown senior; Conno...


First team: Gabe Ruitenberg, Roxbury senior; Nate Zimmermann, Delbarton senior; Patrick Ferrare, Montville senior; Jack McLaud, Mendham senior; Aiden Metz, Roxbury senior; Kevin Cull, Delbarton senior; Kevin Martinez, Randolph senior; Ian Kaiser, Montville senior; Collyer McLaud, Mendham senior; Joshwin Jennings, Delbarton senior; Tim Wilk, Roxbury senior; Daito Sho, Chatham junior; Ryan Eapen, Morristown senior

Second team: Devon Alexander, Morristown senior; Connor Rodrigues, Randolph junior; Asher Metz, Roxbury sophomore; Josh Hepplewhite, Delbarton senior; Oliver McDowell, Morristown senior; Ignacio Martinez, Randolph senior; Luca Tusche, Delbarton senior; Griffin Coutts, MEndham junior; Colin Volpe, Montville senior; Ted Joel, Chatham senior; Alex Visha, Roxbury senior; Owen Irish, Chatham junior; George Kaparis, Mendham senior

Honorable mention: Parker Smith, Delbarton; Connor Ziolkowski, Montville; Nolan Huth, Chatham; John Raiz, Morristown; Noah Camp, Roxbury; Andrew Levy, Randolph; Patrick Kudron, Mendham

Division champions: Delbarton and Roxbury


First team: Erick Cortes, Morris Hills senior; Giacomo Zizza, Morris Knolls junior; Stevan Patino, Pope John junior; Dylan Barry, Sparta senior; Tyrese Brown, Morris Hills junior; Giovanni Zizza, Morris Knolls junior; Yonatan Figueroa, Morris Hills junior; Eduar Izaguirre, Morris Knolls senior; Luc Thomas, Mount Olive senior; Rahul Nair, Morris Hills senior; Trevor Waldstein, Mount Olive senior; Sam Hannington, West Morris senior; Kristian Dobbek, Mount Olive junior

Second team: Anthony Garcia, Morris Hills junior; Patrick Connors, Sparta sophomore; Ryan Mondragon, Pope John senior; Jon Byrnes, Sparta senior; Ammar Ramadan, Morris Hills senior; Jakob Marcus, Mount Olive junior; Junior Luciano, Morris Knolls senior; Beslan Hadzovic, Mount Olive sophomore; Zack Brady, West Morris junior; Killian Yombor, Morris Hills junior; Jayden Roldan, Morris Hills junior; Aidan Wright, Mount Olive senior; Sam Wenger, Pope John junior

Honorable mention: Nick Marano, Mount Olive junior; Quint Flannery, Sparta junior; Boban Kovacevic, Pope John freshman; Nicholas Turo, Morris Knolls senior; Joe Ferraro, West Morris junior; Jason Gomez, Morris Hills senior

Division champion: Morris Hills


First team: Oliver Bush, Mountain Lakes senior; Emanuele Caltabiano, Boonton senior; Gentian Dauti, Boonton senior; Marius Donnelly, Mountain Lakes junior; Matt Salazar, Madison senior; John Munoz, Dover junior; Luke Ladas, Parsippany Hills junior; Max Bennett, Mountain Lakes senior; Adrian LaGrevre, Mountain Lakes senior; Finn Powers, Pequannock senior; Rilind Ramadani, Boonton senior; Ruari Callaghan, Madison senior; Tawhed Sherifi, Boonton senior

Second team: Eric Selquist, Madison senior; Eric Fernandes, Parsippany Hills senior; Max Dalhausser, Mountain Lakes senior; Nate Holliday, Mountain Lakes senior; Gabe Lagos, Boonton junior; Juan Cadavid, Madison senior; Nilson Vides, Dover senior; Nick Fidacaro, Mountain Lakes senior; Matt Ruscher, Pequannock senior; Arian Dika, Boonton senior; Matt Munoz, Madison sophomore; Santiago Ramirez, Dover sophomore; Ryan Foley, Pequannock junior

Honorable mention: Isaac Budowsky, Pequannock; Matthew Palomares, Dover; Hadi Kafel, Boonton; German Mendoza Fajardo, Parsippany Hills

Division champion: Mountain Lakes


First team: Valentino Della Grazia, Hanover Park junior; William Cappello, Kinnelon senior; Matt Griffin, Whippany Park senior; Jake Kohler, Parsippany senior; Erol Yuksel, Hanover Park senior; Ryan Borud, Kinnelon junior; Alesio Barquin, Hanover Park senior; Christian Cerulo, Kinnelon senior; Shane Kelly, Whippany Park senior; Andrew Kopec, Parsippany senior; Ian Rodriguez, Morris Catholic sophomore; Tommy Byrne, Morristown Beard sophomore; Mateo Echavarria, Hanover Park sophomore

Second team: Daniel Dominguez, Hanover Park junior; Brandon Giuca, Hanover Park junior; Juan Sebastian Garcia, Hanover Park junior; Danny Szewcyzk, Whippany Park senior; Jake Krowiak, Whippany Park senior; William Curreri, Kinnelon senior; Rishi Chablani, Parsippany senior; Jorge Novoa, Parsippany junior; Nick Bertone, Morris Catholic senior; Christian Ewig, Morristown Beard junior; Ben Luther, Morristown Beard sophomore; Jack Kallok, Morris Catholic junior

Honorable mention: Noah Resnick, Morristown Beard; Jonathan Karpinski, Hanover Park; Luca Cascio, Parsippany; Danny Sierchio, Whippany Park; Jaival Kang, Kinnelon; Benjamin Reinhart, Morris Catholic


First team: Luke Anderson, High Point junior; Matt Freda, High Point senior; Nate Clayton, High Point senior; Roman Citro, High Point senior; Evan Williams, Lenape Valley senior; Nate Sarnella, Lenape Valley senior; Kyle Theobald, Kittatinny junior; Dylan Zupkay, Kittatinny junior; Mohamed Fofanah, Sussex Tech senior; Sam Vacca, Morris Tech senior; Kayky Inamasu, Hopatcong senior; Xander Syto, Hopatcong junior; Bruno Martinez, Sussex Tech senior

Second team: Max Miller, High Point senior; Anthony Defalco, Kittatinny senior; Quinn Wydner, Kittatinny sophomore; Nico Madrid, Lenape Valley junior; Aidan Waters, Lenape Valley junior; Lucas Grenada, Lenape Valley sophomore; Shane Tully, Sussex Tech senior; Tyler Alvarez, Sussex Tech senior; Avi Gopal, Morris Tech senior; Tyler Bauer, High Point senior; Alexander Laoudis, Kittatinny junior; Aiden Iberer, Hopatcong senior; Thomas D'Arco, Hopatcong sophomore

Honorable mention: Cameron Purrington, Morris Tech junior; Aidan Diaz, High Point senior; Timothy Van Klingeren, Lenape Valley junior; Joshua Bond, Kittatinny junior; Tim Kopf, Sussex Tech junior; Kevin Kruczek, Hopatcong sophomore

Division champion: High Point


First team: Tyler Jones, Vernon senior; Zach Robinson, Newton senior; Ryan Luke, Hackettstown senior; Samuel Merkin, Jefferson senior; Max Jaronsky, North Warren senior; Aandreli Hook, Newton senior; Nate Horn, Vernon senior; Merrick Buckly, Newton senior; Zack Mountain, Vernon junior; Jake Oliveira, North Warren junior; Sammy DeGregoris, Hackettstown junior; Kristian Loncar, Jefferson sophomore; Andrew Manni, Newton senior

Second team: Matt Cronin, Newton senior; Tristan Ortega, Newton senior; Nate Benbow, Hackettstown junior; Rayan Pourshariati, Wallkill Valley senior; Kevin Stencel, Wallkill Valley sophomore; Olaf Alverson, North Warren junior; Tyler Heykoop, Vernon junior; Jeyson Flores-Oseguera, Hackettstown senior; Lukas Polizos, Vernon senior; Dylan Considine, North Warren junior; Matt Taenzer, Hackettstown senior; Sam Orlando, Jefferson sophomore; Owen Lally Vernon junior

Honorable mention: Dominic Celi, Newton junior; Alexander Wurster, Jefferson junior; James Anderson, Hackettstown senior; Dante Torres, Wallkill Valley junior; James Lubrecht, North Warren junior; Tyler Hordych, Vernon senior

Division champion: Newton

How does Social Security work with Railroad Retirement benefits?

Q. In March 2023, I will have 20 years working on the railroad. I will be 65. Does Social Security put in the money I paid into Social Security for 24 years in my Railroad Retirement benefit? How does it work?— Retiring soonA. Congratulations on your pending retirement.There are a few items to consider here.First, it’s possible that you are eligible for dual benefits if you worked for the railroad and held ...

Q. In March 2023, I will have 20 years working on the railroad. I will be 65. Does Social Security put in the money I paid into Social Security for 24 years in my Railroad Retirement benefit? How does it work?

— Retiring soon

A. Congratulations on your pending retirement.

There are a few items to consider here.

First, it’s possible that you are eligible for dual benefits if you worked for the railroad and held a non-railroad job, said Jeanne Kane, a certified financial planner with JFL Total Wealth Management in Boonton.

For Social Security retirement benefits, eligibility is generally based on work history, she said. You would need 40 quarters or 10 years to qualify for benefits, which you can start to take at age 62.

“You would qualify because you worked and paid into Social Security for 24 years and you’re over 62,” Kane said.

She said Railroad Retirement benefits are also based on your work history.

You need to have more than 10 years, or 120 service months, of railroad industry work or at least five years of railroad work after 1995,” she said.

If you don’t qualify based on this, your railroad industry earnings would count towards your Social Security credits, she said, and if you do qualify, then those earnings don’t count towards Social Security eligible earnings.

Government doesn’t want you to double dip, she said. But dual benefits don’t equal double benefits.

“If you are eligible for dual benefits, then the Social Security Administration determines how much is based on Social Security earnings,” she said. “The railroad benefit is reduced by this amount and a combined benefit is paid.”

Kane said there are two tiers in the benefit calculation

Tier 1 uses total Railroad and Social Security earnings credits, she said, and it gives an estimate of what Social Security would pay if your earnings at the railroad were covered by Social Security.

Tier 2 is only based on your railroad earnings, she said, and it is not reduced because you are eligible for Social Security.

“This follows the same type of regulation where someone who is eligible to receive two Social Security benefits can only claim the higher of the two,” she said. “They can’t get both.”

For example, if you are married and are eligible for half your spouse’s benefit or your own benefit on your own earnings, you can get the higher of the two, not both.

Benefits coordination can get complicated, so you should speak to both the Railroad Retirement Board and Social Security to better understand what your benefits will be.

You can call the Railroad Retirement Board at (877) 772-5772 or visit a field office.

And to contact Social Security, you can go online and schedule an appointment to get more specific information on your benefits.

Karin Price Mueller writes the Bamboozled column for NJ Advance Media and is the founder of Follow NJMoneyHelp on Twitter @NJMoneyHelp. Find weekly e-newsletter.

Lenders One Opens Branded Mortgage Branch Location at Select Walmart Store in Boonton, NJ

Walmart-based Mortgage Branches powered by Lenders One members offer prospective homebuyers and homeowners access to mortgage origination solutions within the community where they shop, live and workEL PASO, Texas, Oct. 20, 2022 (GLOBE NEWSWIRE) -- Lenders One® Cooperative, a national alliance of independent mortgage bankers, banks and credit unions, and managed by a subsidiary of Altisource Portfolio Solutions S.A., announces the grand opening of its second mortgage lender in-store branch location at a select Walmart sto...

Walmart-based Mortgage Branches powered by Lenders One members offer prospective homebuyers and homeowners access to mortgage origination solutions within the community where they shop, live and work

EL PASO, Texas, Oct. 20, 2022 (GLOBE NEWSWIRE) -- Lenders One® Cooperative, a national alliance of independent mortgage bankers, banks and credit unions, and managed by a subsidiary of Altisource Portfolio Solutions S.A., announces the grand opening of its second mortgage lender in-store branch location at a select Walmart store in Boonton, NJ. This initial launch is part of Lenders One’s nationwide initiative to offer prospective homebuyers access to mortgage origination solutions where they shop within their community.

The second Walmart-based in-store branch Lenders One location opened today in Boonton, NJ and is powered by MLB Residential Lending, LLC. MLB Residential Lending is passionate about assisting others in fulfilling the American Dream of homeownership, making the process as simple as possible. As a community-focused lender, MLB Residential Lending frequently and consistently contributes to the well-being of our communities, donating to charitable organizations and engaging in the growth and development of a fair market for homebuyers.

“Walmart has long been a trusted name for consumers, so seeing the branch in-store opportunity with Walmart come to fruition with MLB Residential Lending is an exciting move to connect lenders and borrowers at our second location in Boonton, NJ,” said Justin Demola, CMB, President, Lenders One. “The physical in-store presence at Walmart allows Lenders One members to connect with the local community and help them learn about the mortgage process, become mortgage ready and achieve the American Dream of homeownership.”

The objective is for Lenders One members to offer a suite of mortgage solutions, including purchase, refinance and home equity lines, to Walmart customers with a strong focus on consumer education, underserved markets and affordable homeownership.

The Walmart branch in-store opportunity helps Lenders One members diversify their business model with retail foot traffic in geographical areas in which they may not normally have a presence. Walmart customers can enjoy the convenience of being able to apply for or inquire about borrowing options face-to-face with a personal touch, in the same place they do their regular shopping and receive other in-store services.

About Lenders One Cooperative

Established in 2000, Lenders One Cooperative is a national alliance of 250+ mortgage bankers and a network of innovative proprietary solutions, technology, and 90+ solutions providers and capital markets providers, committed to propelling profitability, efficiency and connections for its members. Lenders One is dedicated to helping independent mortgage bankers, banks and credit unions compete in the market, improve their profitability and reduce loan manufacturing costs. Participants on the Lenders One platform originated greater than $700 billion of mortgages during 2021, collectively ranking as the largest retail mortgage entity in the U.S. Lenders One is managed by a subsidiary of Altisource Portfolio Solutions S.A. Visit for learn more.

About Altisource®

Altisource Portfolio Solutions S.A. (NASDAQ: ASPS) is an integrated service provider and marketplace for the real estate and mortgage industries. Combining operational excellence with a suite of innovative services and technologies, Altisource helps solve the demands of the ever-changing markets we serve. Additional information is available at

Source: Altisource Portfolio Solutions S.A.

Investor Contact:Michelle D. EstermanChief Financial Officer770-612-7007[email protected]Press Contact:Justin Demola, CMBPresident, Lenders One770-956-5809[email protected]

A photo accompanying this announcement is available at

Northwest Jersey Athletic Conference girls soccer coaches' all-stars

NJAC-AmericanFirst team: Paige Droner, Chatham senior; Ella Collins, Sparta senior; Alexa Murawski, West Morris senior; Jojo Denegri, Randolph sophomore; Kaitlyn Forand, Morris Knolls sophomore; Ashley Kiernan, Chatham senior; Sonja Zeepvat, Mendham senior; Juliana Dolinski, Sparta junior; Sarah Brandt, Mendham senior; Grace McDonald, Sparta senior; Emma Regan, Chatham junior; Madison Lamb, West Morris senior; Charlee Perna, Morris Knolls sophomore; Carlie Wysocki, RandolphSecond team:...


First team: Paige Droner, Chatham senior; Ella Collins, Sparta senior; Alexa Murawski, West Morris senior; Jojo Denegri, Randolph sophomore; Kaitlyn Forand, Morris Knolls sophomore; Ashley Kiernan, Chatham senior; Sonja Zeepvat, Mendham senior; Juliana Dolinski, Sparta junior; Sarah Brandt, Mendham senior; Grace McDonald, Sparta senior; Emma Regan, Chatham junior; Madison Lamb, West Morris senior; Charlee Perna, Morris Knolls sophomore; Carlie Wysocki, Randolph

Second team: Abigail Droner, Chatham sophomore; Abigail Fitzsimmons, Mendham senior; Maddie Ryan, Mendham senior; Lily Gjelsvik, West Morris junior; Uma Kowalski, Sparta sophomore; Scarlett Brookes, Morris Knolls junior; Ally Kuridza, Randolph senior; Remmey McEnroe, Chatham senior; Libby Masterson, West Morris senior; Rylie Van Wingerden, Randolph sophomore; Mikayla Doyle, Morris Knolls junior; Abigail Pierson, Sparta junior

Honorable mention: Rayna Soto, Randolph junior; Lily DiPietro, West Morris senior; Riley Molbury, Sparta freshman; Lia Manuel, Mendham junior; Leigha Matter, Chatham junior; Julianna Critchley, Morris Knolls freshman

Division champion: Chatham


First team: Tehya Scheuten, Mount Olive senior; Jill Rosenfeld, Morristown senior; Juliana Osterman, Roxbury junior; Zoe Rogan, Mount Olive senior; Kiera Pohan, Morristown senior; Maddy Anderson, Roxbury freshman; Julia Klatt, Mount Olive senior; Emma Armenti, Morristown senior; Bella Duteau, Mount Olive senior; Katie Clark, Morristown senior; Emma DeAngelis, Montville senior; Gisela LoGrasso, Montville sophomore; Mackenzie Kaiser, Pope John junior; Emily Mulroony, Morris Hills sophomore

Second team: Brooke Zienowicz, Mount Olive senior; Jordan Notaro, Mount Olive sophomore; Jaidyn Falcone, Pope John sophomore; Isabella fiore, Pope John senior; Victoria Garcia, Morris Hills senior; Marin Fisher, Morristown sophomore; Anna Szporn, Morristown junior; Adelina Galea, Morristown sophomore; Natalie Fariello, Montville senior; Grace Volpe, Montville senior; Hanna DeAngelis, Montville sophomore

Honorable mention: Sophie Lieberman, Montville senior; Gabrielle West, Morristown senior; Nicole Velasquez, Roxbury sophomore; Samantha Piotrowsky, Pope John sophomore; Sydney Mulroony, Morris Hills junior; Gabrielle Drucks, Mount Olive junior

Division champion: Mount Olive


First team: Addie Van Lenten, Pequannock junior; Alex Ortega, Pequannock junior; Alessia Cerulo, Kinnelon sophomore; Ariana Conroy, Kinnelon senior; Emma Pieklo, Pequannock senior; Ava Derr, Boonton senior; Olivia Proadka, Kinnelon sophomore; Charlen Rubio, Dover senior; Ava Marcantonio, St. Elizabeth senior; Shayla Osmanski, Pequannock junior; Amanda Dean, Parsippany sophomore; Jaslyn Vargas, Parsippany sophomore; Bailee Schubert, Morristown Beard junior; Ali Dorrego, Morristown Beard senior

Second team: Rachel Cunningham, Pequannock junior; Melissa Elefonte, Kinnelon senior; Maria Rago, Parsippany junior; Vianey Granados, Dover junior; Arianna Jackson-Wach, Boonton senior; Jess Byrne, Morristown Beard sophomore; Bhumika Chavan, Parsippany sophomore; Gianna Desimoni, Pequannock sophomore; Julia Coyne, Kinnelon senior; Amanda Tuohy, Boonton senior; Gianna Azevedo, Morristown Beard sophomore; Catherine Schneider, St. Elizabeth senior

Honorable mention: Sofia Cascio, Parsippany freshman; Ashley Zegler, Pequannock senior; Brooke Sandler, Morristown Beard senior; Julia Baker, Kinnelon junior; Jackie Cifelli, Boonton senior; Michelle Fallas Cabrera, Dover freshman; Grace Gehm St. Elizabeth junior; Jaden Visioli, Boonton senior; Michelle Estacio, Dover senior; Caroline O'Callaghan, St. Elizabeth junior; Liana Roman, Parsippany junior

Division champion: Parsippany


First team: Alex Jurow, Parsippany Hills senior; Cassie Saldarini, Parsippany Hills senior; Kaia San Martin, Parsippany Hills junior; Colleen Walsh, Villa Walsh junior; Mikayla Newell, Morris Catholic junior; Molly Mack, Whippany Park sophomore; Elianna Caporusso, Mountain Lakes senior; Daisy Duda, Mountain Lakes sophomore; Alyssa Alfano, Hanover Park senior; Sienna Petro, Hanover Park junior; Erin Kleiven, Madison senior; Alex Reigle, Madison senior; Tor Cesaro, Hanover Park senior

Second team: Jess Bamert, Parsippany Hills junior; Victoria Vinals, Parsippany Hills freshman; Gabby Marinia, Madison sophomore; Abigail Hawes, Mountain Lakes sophomore; Katelyn Stitt, Whippany Park senior; Sam Heusser, Whippany Park junior; Sadie O'Donnell, Hanover Park junior; Sam Cicerone, Hanover Park junior; Sydney Koy, Mountain Lakes senior; Holly Smitreski, Villa Walsh junior; Paige Lynch, Morris Catholic freshman; Ellison Errington, Madison junior; Margaret Boler, Villa Walsh sophomore

Honorable mention: Amanda Green, Parsippany Hills senior Alexandra Middleton, Whippany Park sophomore; Abigail Strauss, Mountain Lakes senior; Gia D'Alessio, Hanover Park sophomore; Mary Bowers, Villa Walsh senior; Maddie Whelan, Morris Catholic senior; Avery Visich, Madison sophomore

Division champion: Parsippany Hills


First team: Molly Gannon, Lenape Valley junior; Claire Merrill, Kittatinny senior; Lola Brand, Kittatinny sophomore; Julia Cucchiara, Kittatinny senior; Makayla Chiariello, High Point senior; Madelyn Nolan, Newton freshman; Sadie Willis, Hackettstown senior; Julia Flynn, Hackettstown junior; Kate Loncar, Jefferson junior; Bryn Fitzgerald, Jefferson senior; Alanna Bishop, Jefferson junior; Mayla McLean, Lenape Valley sophomore; Cassis Yappen, Lenape Valley junior

Second team: Brooke Ginsberg, Kittatinny sophomore; Ashley Bode, Kittatinny senior; Taylor Hough, Kittatinny sophomore; Brooke Nelson, Kittatinny junior; Georgia Oberman, Jefferson junior; Leah English, High Point junior; Leigha Gronau, Hackettstown freshman; Skyler Flynn, Hackettstown junior; Sophia May, Newton sophomore; Laney Kenny, Lenape Valley senior; Mia McLean, Lenape Valley senior; Lilly Fejko, Lenape Valley senior; Jade Babula, Jefferson senior

Honorable mention: Hannah Hamilton, Newton senior; Madelyn Schuddeboom, Lenape Valley sophomore; Kelsey Birchenough, High Point junior; Emily Poulas, Jefferson junior; Hanna Olsen, Kittatinny junior; Raiya Patel, Hackettstown junior

Division champion: Kittatinny


First team: Jackie Schels, Wallkill Valley junior; Jane Einreinhofer, Wallkill Valley senior; Alex Letelier, Wallkill Valley senior; Crew Armijo, Morris Tech sophomore; Maya Dobrijevic, Morris Tech junior; Issy Tahiri, Morris Tech sophomore; Abby Carmichael, Morris Tech senior; Janie Henderson, Hopatcong junior; Christina Fajerman, Hopatcong junior; Emmalee Besser, North Warren senior; Kyla Gillen, North Warren senior; Monica Curry, Vernon freshman; Kiley Gibson, Vernon senior

Second team: Delana Einreinhofer, Wallkill Valley; Emily Pauciello, Wallkill Valley junior; Lydia Ulhman, Morris Tech freshman; Bella Hudson, Morris Tech junior; Riley Cobb, Hopatcong sophomore; Shawna O'Brien, Hopatcong senior; Sophia Gomes, Sussex Tech freshman; Lauren Palmer, North Warren senior; Alaina Shramko, North Warren senior; Amy Zambrana, North Warren senior; Olivia Meneses, Vernon senior; Amber Canal, Vernon senior; Emily Black, Vernon senior

Honorable mention: Adrianna Violante, Wallkill Valley junior; Vanessa Van Dunk, Morris Tech senior; Tamar McPherson, Sussex Tech sophomore; Abby Whritenour, Hopatcong junior; Jocelyn Considine, North Warren freshman; Riley Lewicki, Vernon senior

Division champion: Morris Tech


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