Clinton Township Newsletter

2 4 J u n e 2 0 1 7 www.ClintonTwpNewsletter.com y m C a s u m m e r C a m P ! The Hunterdon County YMCA wants to make sure that children have their best summer ever thanks to a variety of programs and activities that stimulate both mind and body. A traditional camp experience is found at Camp Carr in Clinton Township and South Camp at South Hunterdon High School in Lambertville, while Sports Camp is held at the Deer Path Branch in Flemington. There are also over 20 specialty camp options, including travel camp, horseback riding, Mad Science, Bricks 4 Kidz (Lego), basketball, ballet, tennis, flag football, extreme sports, baseball, cheerleading, soccer, lacrosse and more! With this many options, parents can find the ideal camp for each child. Find out more at: at www.HCYMCA.org. C o s i g n i n g a l e a s e F o r y o u r t e e n : W h a t ' s t h e r i s k ? Your teen wants to rent a house at the Jersey shore to celebrate graduation or move to an off-campus apartment next semester with roommates. Should you cosign the lease? The answer to that is a very personal decision. Only you know your child well enough to judge the risk. Before you decide, however, understand the facts. Common leases hold all signers "jointly and severally liable." That means everyone who signs the lease, including cosigners, is responsible for satisfying the full terms of the lease – paying rent, making restitution for damages, etc. It's one thing to take on this responsibility for your child, but what about the roommates? You're responsible whether or not they hold up their end of the bargain. Do you know them – and their financial situations – well enough to take that risk? Short of saying no to your child, there may be ways to protect your liability. Ask if there is an option for a 'several liability only' lease, which holds each signer (and their cosigner) liable only for their share of the total financial obligation. Inquire about the possibility of limiting the terms of the lease that you as cosigner are guaranteeing, primarily the rent. This precludes you from being liable for damages. Cosigning a lease has no direct effect on your credit score; however, if the rent doesn't get paid in full and on time – no matter who is to blame – you risk a black mark on your credit rating and you could expose yourself to a lawsuit as well. While we're on the topic, consider getting renters' insurance. The landlord's insurance does not cover your child's personal possessions. Also, renters' insurance offers added protection should someone get hurt in your child's apartment. And one final thought, courtesy of William Shakespeare: "It is a wise father that knows his own child." – Victor Rotolo LAW FIRM THE ROTOLO 502 U.S. 22 Lebanon, NJ 08833 908∙534∙7900 www.RotoloLawFirm.com Victor A. Rotolo, Esq. Former Police Officer, City of Elizabeth Mediation and Arbitration: Services and Venue Available Victor A. Rotolo is a long-time resident of Clinton Township and the founder of The Rotolo Law Firm. Call The Rotolo Law Firm today: 908.534.7900 to discuss any legal situation confronting you. Your half-hour consultation is free of charge! Their attorneys and staff are ready to serve your legal needs. The Rotolo Law Firm • 502 US 22 West, Lebanon, NJ 08833. www.RotoloLawFirm.com HUNTERDON COUNTY YMCA www.hcymca.org $0 JOINER'S FEE LOWER MEMBERSHIP RATES* * thru August 2017 + Best Camp Best Pool THE SUMMER STARTS NOW! E‐Mail: tomr@energykine�cs.com Cell: 908‐752‐2306 Corporate Office (800) 323‐2066 Ext: 401 (800) 735‐2068 Tom Raulinavich Territory Manager New Jersey & Delaware 51 Molasses Hill Road, Lebanon, NJ 08833 www.energykine�cs.com

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