TRT - Testosterone Replacement Therapy in Peapack, NJ

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 HRT For Men Peapack, 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.

 Human Growth Hormone Peapack, NJ

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.

 Ipamorelin Peapack, NJ

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.

 Sermorelin Peapack, NJ

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 Peapack, 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  Peapack, 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 Peapack, 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 Peapack, 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 Peapack, 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 Peapack, NJ

Gynecomastia

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 Peapack, 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.

 Human Growth Hormone Peapack, NJ

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.

 Ipamorelin Peapack, NJ

Depression

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.

 Sermorelin Peapack, NJ

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 Peapack, 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 Peapack, 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 Peapack, 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
 Human Growth Hormone Peapack, NJ

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 Peapack, 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!

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Latest News in Peapack, NJ

I haven’t filed taxes for 5 years. What should I expect?

Q. I haven’t filed taxes for five years. I want to finally make this right. What should I expect? Would filing for 2021 without filing the back years or make it worse?— UnsureA. We’re glad to hear you’re ready to make right this tax mess.Here’s what to expect.Most taxpayers are required to file a tax return each year. Failure to file and pay taxes ...

Q. I haven’t filed taxes for five years. I want to finally make this right. What should I expect? Would filing for 2021 without filing the back years or make it worse?

— Unsure

A. We’re glad to hear you’re ready to make right this tax mess.

Here’s what to expect.

Most taxpayers are required to file a tax return each year. Failure to file and pay taxes is a serious issue with the IRS, which can result in severe penalties, said Jodi Cirignano, a certified financial planner and certified public accountant with Peapack Private Wealth Management in New Providence.

She said to get back on the right track, you will need to file your 2021 return and also file returns for the previous five years as soon as possible regardless of your reason for not filing.

To prepare prior years’ tax returns, you will need tax documents such as W-2s and 1099s, she said.

“If you are unable to locate these, you can visit the IRS Get Transcript website to order copies of transcripts of past returns, tax account information, wage and income statement and verification of non-filing letters,” she said.

When filing returns for prior tax years, you need to use the appropriate form for that tax year. You can get these forms on the IRS website.

“Filing your current and past-due tax returns is a major undertaking and we highly recommend that you engage a tax professional to assist you,” Cirignano said. “In addition to helping you understand what information you need to gather, preparing and filing returns, you can authorize your tax professional to contact the IRS on your behalf.”

And brace yourself. You may be subject to interest and penalties if you owed taxes for the previous five years, but your tax professional may be able to request penalty abatements and negotiate payment plans with the IRS, she said.

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

Latest NJ Transit Train Service Update For Monday, March 14, 2022

SOUTH ORANGE, NJ - NJ TRANSIT has advised that the work to get temporary repairs made in Maplewood where the original problem occurred with the tree taking down poles and overhead wires due to the windstorm on Monday, March 7th. They stated that the work is nearing completion, however the storm on Saturday caused a tree to fall across the tracks, taking down wires near the Mountainside station on Saturday, as previously reported.Therefore, the same limited service as provided last week from Wednesday to Friday will be in effect betwee...

SOUTH ORANGE, NJ - NJ TRANSIT has advised that the work to get temporary repairs made in Maplewood where the original problem occurred with the tree taking down poles and overhead wires due to the windstorm on Monday, March 7th. They stated that the work is nearing completion, however the storm on Saturday caused a tree to fall across the tracks, taking down wires near the Mountainside station on Saturday, as previously reported.

Therefore, the same limited service as provided last week from Wednesday to Friday will be in effect between South Orange and Penn Station New York and Hoboken Monday, March 14. NJ TRANSIT further stated that the Gladstone Branch will remain suspended until further notice.

The following is the NJ Transit statement regarding service and how to stay connected with them:

"Cross-honoring will remain in effect for Morris & Essex (M&E) and Gladstone Branch customers on the Raritan Valley and Montclair-Boonton Lines as well as NJ TRANSIT & private carrier buses. The Montclair-Boonton Line will continue to provide enhanced service to accommodate M&E customers.

All M&E customers should continue to allow for extra travel time and are strongly encouraged to customize their service alerts on the NJ TRANSIT mobile app to receive updates via push notifications, monitor MyTransit Alerts, the M&E Twitter feed @NJTRANSIT_ME and njtransit.com for the latest service information.

Morris & Essex Line:

Limited service will continue to operate on a modified schedule from South Orange to both Penn Station New York and Hoboken. Modified schedules are available HERE.

Customer service ambassadors will be available at South Orange, Summit and Newark Broad St. Stations to assist customers.

Customers at stations between Hackettstown and Denville should use Montclair-Boonton Line trains and should consult the Montclair-Boonton timetables. Enhanced service will operate on the Montclair-Boonton Line. Enhanced Montclair-Boonton Line schedules are available HERE.

Gladstone Branch: Service remains suspended until further notice.

For further details and updated travel information, sign up for My Transit Alerts, download the NJ TRANSIT app and follow us on Social Media.

Travel Advice:

What property tax savings are available for seniors?

Q. Can you tell me what tax refund programs besides the Senior Freeze are available for New Jersey residents who are 65 and over and have owned a home here for three years.— SeniorA. You’re smart to want to take advantage of any property tax breaks available.It’s good that you’re already aware of the Senior Freeze property tax reimbursement, but let’s briefly review t...

Q. Can you tell me what tax refund programs besides the Senior Freeze are available for New Jersey residents who are 65 and over and have owned a home here for three years.

— Senior

A. You’re smart to want to take advantage of any property tax breaks available.

It’s good that you’re already aware of the Senior Freeze property tax reimbursement, but let’s briefly review that program for those who may not be.

The Senior Freeze is available to those 65 or older or disabled and receiving Social Security disability payments, said Cynthia Fusillo, a certified public accountant with Peapack Private Wealth Management in New Providence.

Further, in order to be eligible, you must have lived continuously in New Jersey since Dec. 31, 2020, and owned your current New Jersey home since at least Dec. 31, 2017, she said.

Also, there is an income limit. For 2021, your income must have been $94,178 or less, she said.

“Application booklets are set to be mailed in mid-February 2022 for the 2021 year and are due no later than Oct. 31, 2022,” she said.

You can call the state with questions about the Senior Freeze at (800) 882-6597.

You may also be eligible for the Homestead Rebate, which in most cases, is seen as a credit against your property tax bill, usually for the second quarter, she said.

“This program, which runs a little behind current year filings, was due to be submitted by eligible taxpayers no later than Nov. 30, 2021, for the 2018 year,” she said. “Should this program be extended for 2019, you could expect applications to be mailed in September 2022, with a filing deadline more than likely of Nov. 30, 2022.”

To be eligible for the most recent filing for 2018, you must be a New Jersey resident who owned and occupied your home as a primary residence on Oct. 1, 2018, paid property taxes on the home and met income requirements, she said.

“For those 65 and older or blind or disabled that income threshold is $150,000 or less and for those under age 65 and not blind or disabled it’s $75,000 or less,” she said.

The Homestead Benefit Hotline is (888) 238-1233.

“Finally, there is a Property Tax Deduction/Credit to homeowners of either up to $15,000 of property taxes paid or a $50 refundable credit — refundable meaning that even if your tax liability is $0, you would still get the credit,” Fusillo said, noting that this is for your New Jersey tax return. “You claim whichever results in the greater tax benefit directly on your tax return.”

Also note that renters can also qualify for this deduction to the extent of 18% of their rent paid up to $15,000, she said.

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

Peapack-Gladstone Bank Hires Katherine M. Dickenson, Esq. as Senior Managing Director, Assistant General Counsel

BEDMINSTER, NJ, Dec. 06, 2021 (GLOBE NEWSWIRE) -- via NewMediaWire -- Peapack-Gladstone Financial Corporation (NASDAQ Global Select Market: PGC) and Peapack-Gladstone Bank are proud to announce the appointment of Katherine M. Dickenson, Esq. as Senior Managing Director, Assistant General Counsel. Ms. Dickenson is primarily responsible for p...

BEDMINSTER, NJ, Dec. 06, 2021 (GLOBE NEWSWIRE) -- via NewMediaWire -- Peapack-Gladstone Financial Corporation (NASDAQ Global Select Market: PGC) and Peapack-Gladstone Bank are proud to announce the appointment of Katherine M. Dickenson, Esq. as Senior Managing Director, Assistant General Counsel. Ms. Dickenson is primarily responsible for providing legal and transactional support to Peapack Capital, the Bank’s equipment leasing and finance subsidiary, and assisting the general counsel in overseeing all legal affairs of the Company. She brings a wealth of knowledge and experience in providing internal legal guidance in support of the financial goals of the Bank and its subsidiaries.

Ms. Dickenson joins the Company after serving 21 years at Citizens Asset Finance, a division of Citizens Bank, N.A., in Johnston, RI. As in-house counsel for one of the largest financing and leasing companies in the U.S., she delivered sound and pragmatic legal advice to the sales, operations, credit and documentation teams at CAF, including the drafting, review and negotiation of various forms of complex commercial agreements and analyzing and evaluating each client’s leasing and financing needs. Prior to that, Katherine served as regional manager, settlement agent, at United One Resources, Inc., a large title insurance firm based in Wilkes-Barre, PA, where she founded the Rhode Island office and oversaw all legal issues for satellite offices in RI and MA.

Ms. Dickenson holds a Juris Doctor from Roger Williams University School of Law. She also graduated cum laude from Johnson & Wales University in Providence, RI with a Bachelor of Science degree in Administrative Management and an Associate of Science degree in Paralegal Studies. She is a member of the State of Connecticut and State of Rhode Island Bar Associations.

About the Company

Peapack-Gladstone Financial Corporation is a NJ bank holding company with total assets of $6.2 billion and assets under management/administration of $10.3 billion as of September 30, 2021. Peapack-Gladstone Bank is a commercial bank that provides innovative wealth management, investment banking, commercial and retail solutions, including residential lending and online platforms to businesses and consumers. Peapack Private, the Bank’s wealth management division, offers comprehensive financial, tax, fiduciary and investment advice, and solutions, to individuals, families, privately held businesses, family offices and not-for-profit organizations, which help them establish, maintain, and expand their legacy. Together, Peapack-Gladstone Bank and Peapack Private offer an unparalleled commitment to client service. Visit www.pgbank.com and www.peapackprivate.com for more information.

If I sell my N.J. home, will I owe tax on the profit?

Q. I am about to sell my home in New Jersey and I’m moving to another state, where I will rent. I expect a profit of $400,000 on the sale of my primary residence. Will I have to pay 8.97% on that profit? That would be over $38,000.— Seller, soonA. Congratulations on the impending sale of your home.What you’re asking about is the so-called exit tax, which is an estimated tax payme...

Q. I am about to sell my home in New Jersey and I’m moving to another state, where I will rent. I expect a profit of $400,000 on the sale of my primary residence. Will I have to pay 8.97% on that profit? That would be over $38,000.

— Seller, soon

A. Congratulations on the impending sale of your home.

What you’re asking about is the so-called exit tax, which is an estimated tax payment required for some home sales.

You didn’t say if you were single or married.

Federal law allows an exclusion of gain on the sale of your principal residence of $250,000 if you are single and $500,000 if you are married, said Laurie Wolfe, a certified financial planner and certified public accountant with Peapack Private Wealth Management in New Providence.

She said New Jersey law follows this federal rule with respect to principal residences.

To qualify for the exclusion, you must meet a few tests.

The eligibility tests for exclusion of gain on your home are as follows:

1. You must not have acquired the home through a like-kind exchange.

2. You must not be subject to the expatriate tax.

3. You must have owned the home for at least 24 months in the five years leading up to the sale date.

4. You must have lived in your home for at least 24 months in the five years leading up to the sale date.

5. You must not have excluded a gain on a different home within the prior two years from the sale date.

If you meet all these tests and you are married, the $400,000 is not taxable for federal or state purposes, Wolfe said. If you are single, $150,000 ($400,000-250,000) will be taxed to you by New Jersey at your marginal tax rate, she said.

Your marginal rate is the tax bracket you are in for New Jersey tax purposes.

“As a single person if your taxable income is between $75,000 and $500,000, your marginal rate is 6.37%,” she said. “After that, and up to $5million of taxable income, your rate would be at the 8.97% you mention.”

This tax is calculated when you file your return for the year of sale, she said.

The exit tax is not the tax we’ve just described.

Rather, it is a withholding tax that New Jersey requires at the closing of a real estate transfer when a New Jersey resident is leaving the state, Wolfe said.

“They want to make sure you file a tax return and calculate any tax due. In other words, they don’t want you to skip town,” she said. “When you file the return, if your actual tax is less than the withholding tax, you will receive the difference as a refund.”

There is a way to claim exemption from this withholding.

The frequently asked questions section about gross income tax on real property transfers on the Division of Taxation’s website says that if you qualify for the gain exclusion, you can be exempt from this withholding tax, Wolfe said.

“The FAQs further state that the entire gain must be excluded from gross income. In your case, you would appear to qualify for the exemption only if you are married, because if you are single only a portion of the gain is excludable,” she said. “The withholding would be the greater of 2% of the sales price of the home or 8.97% of the gain on the sale.”

One of the documents that will be completed when the sale goes through is NJ Form GIT/REP-3 – Seller’s Residency Certification/Exemption. This is where you declare your residency and claim exemption from the withholding tax, if eligible, she said.

Wolfe advises you to seek the advice of a real estate attorney or other competent professional who can help you determine your liabilities.

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

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