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Apetition to push the

federal government toaddress Passaic River

Basin flooding has passed the

5,000 signature mark and con-

tinues to gain support from

local residents and people from

around the country who

acknowledge that severe flood-

ing of the Passaic River Basin

deserves federal funding of a

long-term solution.

Assemblyman Scott T.

Rumana (40th District,Passaic, Bergen, Essex, and

Morris) launched the on-line

petition drive (www.floodpeti-

tion.com) that “encourages the

federal government to priori-

tize the Passaic River Basin in

New Jersey as a presidential

priority in the Fiscal Year 2013

budget request to Congress”

with the late AssemblymanAlex DeCroce. Assemblyman

DeCroce’s widow Betty Lou

was recently sworn-in as the

Assemblywoman representing

her late husband’s former

District, which encompasses

areas affected by flooding. She

has committed to continuing

her husband’s efforts to bring

real solutions to thousands of

residents and businesses within

the Passaic River Basin.“The federal government

needs to make solving the

chronic flooding of the Passaic

River Basin a priority,” said

Rumana, who acknowledges

President Obama’s inclusion of

$1 million in his FY 2013 budg-

et. “I applaud the administra-

tion for making Passaic River

Basin flood control a

Presidential priority. I amhopeful that this will result in

an acceleration to achieve a

project that will once and for

all solve our flooding prob-

lems. To that end, we need to

keep the pressure on the feder-

al government.”

Plans are underway to cre-

ate a video to accompany an

email blast. If you have any

photos or video from the latestflood or would like more infor-

mation on the petition or to

receive a paper petition, please

contact Assemblyman Scott

Rumana’s Legislative Office

at 973-237-1362 or asmru-

[email protected].

Petition to address Passaic River Basin Floodinggathers 5,000+ signatures

Push for More Signatures Continues

as Assemblywoman

Betty Lou DeCroce Joins Efforts

Proverbs 3:5,6 • God Bless America

February 22, 2012Zone 3, Vol. 10, No. 4

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Note: To have your groups

announcement appear in

Community Happenings please

email us the information in aparagraph format to

[email protected].

Feb 28

•Are you interested in

becoming more involved in

your town? The RiverdaleFire Department Auxiliary is a

great way to increase your

town involvement. The

Auxiliary is a support unit to

the fire department, made up

of volunteers from the area. Itis our duty to assist the fire

department by bringing food,

water, etc. to the firefighters

when needed at an incident.

Members also participate in

fundraising events to not onlysupport the Riverdale Fire

Department, but also to sup-

port other worthy causes, such

as the St. Barnabas Burn

Foundation and the Grace

Peine Memorial Scholarship,

which, each year, is given to a

Riverdale resident graduating

from high school. The

Riverdale Fire Department

Auxiliary meets on the fourth

Tuesday of each month at 7:00p.m., except during the

months of June, July, August,

and December. So, if you are

over eighteen, have an hour

or two a month to spare, and

would like to become part of

this fun and worthy organiza-

tion, call Meg at 973-248-

9723, or Marge at 973-835-

5851 to join us at our next

meeting on February 28, 2012.

Feb 29

•Join us for a De-clutteringworkshop at Butler Library on

Wednesday, February 29 from

6:00 pm - 7:30 pm, presented

by Dawn Noble, Professional

Organizer & Owner of

Balance and Beyond. Come

to this valuable free workshop

and bring home some tips on

how to go from clutter to clar-

ity. Professional Organizer,

Dawn Noble will help you

learn how to recreate yourspace to suit your needs and

bring physical, emotional and

spiritual clarity to your life.

Please Note: All of our Adult

Programs are open to those

who are at least 18 years of

age. All programs are free of

charge. Please call or visit the

library to reserve your place.

Butler Public Library is locat-

ed at 1 Ace Road, behind the

municipal building, on the

internet at www.butlerli-

brary.org, or by phone 973-838-3262.

Mar 11

•The annual Christ Church

“Soup Off” competition will

be held on Sunday, March

11th at 5:00pm at Parish Hall

(at the corner of Passaic &

Ramapo Avenues in Pompton

Lakes). Adult tickets- $10.00

in advance ($15.00 at the

door), Children tickets- $5.00in advance ($8.00 at the

door). Tickets available at the

Christ Church office - 973-

835-2207. This event brings

together a group of excellent

soup makers and their favorite

recipes to compete for prizes

and the coveted “Soup maker

of the Year” title. You are

visit our website at www.lifeandleisurenj.com February 22, 2012, Zone 3

Publisher: Joe Pellegrino Editor: Bethanne Pellegrino Art Department: Robin Banta, Mary LalamaSales: Lisa Buniewski, George Papendick, Veronica Pluta Classifieds: Kathleen Todd

Please e-mail all press releases and calendar information to [email protected] or fax to 973.556.1991.

Advertising in Life & Leisure is affordable and effective. We are a “family friendly” publication and therefore reserve the right to accept only

advertisements that appeal to the entire family; the final determination of which is made by the Life & Leisure. Views expressed in Life & Leisureare those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open toanyone desiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paidfor by the author and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsementof services, products or businesses advertised. © 2012 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.

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8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Bridesmaids are an impor-

tant part of the wedding

party, and most brides

opt to have a handful of close

friends and family members

play a special role in the wed-

ding. Choosing a gown and a

color that will flatter all of the

bridesmaids typically takes a

little work.

An overwhelming majori-ty of couples choose to have a

formal wedding. The average

number of bridesmaids for

these formal weddings is four.

Considering around two mil-

lion weddings take place in

North America every year,

that's a lot of bridesmaids for

whom gowns and other attire

must be planned.

Many bridesmaids worry

about the gowns they will wearcome the big day. Horrible

bridesmaid dresses have been

the butt of jokes for years, and

many people have their own

stories of garish gowns they've

been asked to don for a wed-

ding. Some have said that

brides intentionally choose

ugly gowns for their brides-

maids to ensure they're not out-

shined come the wedding day.

Although this may be the case

for some, most brides aspire to

select gowns that will be flat-tering for all. And color

scheme is integral in the choice

of gown.

Every well-planned wed-

ding carries a color scheme

throughout. This includes the

color a bride selects for her

bridesmaids to wear. But not

every color accentuates every-

one's features. Therefore, some

experimentation might be nec-

essary to find a color that is flat-tering to all and fits with the

color scheme.

Depending on hair color

and skin shade, there are many

flattering hues available for

gowns. When making this

decision, consider bridesmaids'

ethnicity and skin tone.

African-American: Women

with dark skin and hair may

really shine in jewel-colored

gowns, including silver, gold,

purple and salmon. Very pale

colors may be daring and con-spicuous.

Asian and olive-skinned

women: Those with a slight

yellow tone to their skin will

look good in many colors,

including red, navy, peach, and

fuchsia. However, avoid colors

in light yellow, aqua, gray,

taupe, or mint, which may

make the bridesmaid look

washed out.

Fair skin: Ladies with paleskin will benefit from richly

colored gowns in jewel tones.

Pastels may work, but be care-

ful about those depending on

hair color. Pink or red-hued

gowns may clash with someone

with auburn hair. Yellow and

green may not work with a fair

brunette. Gray and silver may

wash out someone who is pale

and blonde.

Once a color is chosen,

brides also need to consider the

season. Certain colors may lookout of place depending on the

season. For example, an ever-

green or deep blue may seem

wintry during a summer wed-

ding. Similarly, russet or brown

may work for the autumn but

not for a spring wedding. Many

brides gravitate toward mid-

level blues, greens, pinks and

purples for their weddings, sim-

ply because those colors tran-

scend the seasons.After colors are worked

out, the style of the gown

deserves consideration. Be-

cause not every bridesmaid has

the same physical attributes,

many brides are now open to

selecting a color and length

and allowing the bridesmaid

herself to choose the exact

style. This way someone who is

busty won't feel uncomfortablein strapless, and someone who

is thin won't be overwhelmed

by a lot of ruffles. The intent is

to have bridesmaids feel beau-

tiful and comfortable, and dif-

ferent styles can help achieve

this.

Making the effort to

choose a gown color and style

that is flattering to all in the

bridal party will help the ladiesfeel they are truly a special part

of the wedding.

Coloring the wedding; Choosing a hue for the bridesmaid gowns

Choosing a gown that flatters bridesmaids is a significant

responsibility for prospective brides planning their big day.


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E

rgonomics is the study

of the relationship

between people and

their workplace. Its funda-

mental purpose is to improve

the work environment in

order to reduce unnecessary

stress and strain on the

human body. Ergonomics

has now come to include not

only the workplace, but any

environment where one may

do a task or activity: the

home, the workshop, driving

the car, and so on. Whatever

environment one is in, being

aware of body positioning

and continually seeking to

improve the design of the

environment to minimize

stress and strain on the body

will help to ensure a healthy

spine.

The following are some

key points to remember when

learning to "think ergonomi-

cally":Whenever possible,

position your environment to

reduce strain on your body

rather than straining your

body to accommodate the

environment. For example,

if you work at a desk, do not

place heavy objects that you

regularly use (like heavy files

or books) in the drawer on

the side of the desk. In order

to get them you are forced to

bend and twist at the same

time, a motion responsible

for many back disorders. To

avoid chronic neck and

upper back problems, posi-

tion computer and T.V. mon-

itors so that, when sitting

normally, you are not forced

to look down. Monitor and

adjust your environment to

ensure your body positioning

and motions are balanced.

Be "posturally aware" at

all times. Posture is vital to

spinal well-being and health

in general. Think optimum,

balanced posture as it relates

to everything you do.Question how you can

improve your work or leisure

environment so that opti-

mum posture can be best

maintained. For example,

does your environment allow

you to "think tall"?

Design your environ-

ment so that your three basic

spinal curves are maintained

as close to normal as possible.

While you are sitting or

standing, does your environ-

ment force you to slouch,

rounding your mid-back and

pushing your head forward?

When you sit, is your back

supported so that the normal

arc is maintained without

you feeling strain? Does your

job or recreational activities

require you to look down or

bend forward for prolonged

periods?

Thinkingergonomically By Dr Glenn Foss


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invited to sample the soups

and cast a ballot for your

favorite soup. Salad, bread,

refreshments and desserts are

also available to accompany

the soups. This event has been

running for over twenty years

and is a guaranteed good time.

So, bring your family, bring

your friends, bring the neigh-

their motor skills on the back

burner. When the language

improves the toddler will

most likely pay more atten-

tion to the motor skills. On

the other hand, a child may

appear to have a lack of

interest in walking, but the

infant may be physically

unable to do so and may not

have the necessary strength

to perform. A child may

require intervention to

appropriately strengthen the

necessary muscles utilized for

walking.

The baby is not only a

late walker, but never

crawled and scooted on his

bottom to get around.

Scooting is an asymmetrical

activity that typically utilizes

one side of the body to get

around the environment. If a

baby is primarily using one

arm and leg, the side that is

not being used will become

weaker. In addition the mus-

cles on one side of the body

may be less flexible and if not

addressed, may cause skeletal

and muscular problems into

adulthood. Crawling is an

important developmental

sequence because it not only

builds strength in the trunk,

shoulder girdle and hips nec-

essary for stability during

standing and walking, but

also utilizes both right and

left hemispheres in the brain

in a complex action of neuro-

logical coordination.

The baby seems very

floppy and has a hard time

maintaining upright posi-

tions. The baby may feel this

way because of weakness of

the trunk and extremities.

The baby may have low mus-

cle tone (hypotonia,) a con-

dition that causes difficulty

activating the appropriate

muscle groups required to

sustain upright positions.

Although walking is a

skill with many variables it is

important that late walking

is not overlooked. Not all

children are moving at their

own pace and a wait and see

attitude is not always the

most effective. There may be

an underlying problem that is

causing a delay and should be

addressed now in order to

prevent later musckuloskele-

tal problems into adulthood.

A skilled pediatric physical

therapist can not only help

to discover why the baby may

be late with his walking, but

also employ the appropriate

treatment to get the toddler

moving.

Gena Livingston is a pediatric

physical therapist, who brings

over five years of experience to

Kids’ Therapy Center™ of

Riverdale. Specializing in early

childhood intervention, Gena is

very experienced treating chil-

dren with cerebral palsy, de-

layed motor development,

autism, torticollis, post-surgical

corrections, and athletic in-

juries. If you would like to

schedule an appointment or

consult with Gena, she can be

reached at Kids’ Therapy

Center™, 18 Newark Pomp-

ton Turnpike, Riverdale,

973-616-4555.

Your chiropractor can

help you improve the

ergonomic factors in your life

to ensure a healthy spine.

Drs. Glenn and Christine Foss

are the owners of Advance

Sports Medicine & Chiroprac-

tic Center in Riverdale. Both

doctors have been practicing

chiropractic for over thirteen

years and have been amongst

the communities leading health

care providers. As innovators

in health care, they have

merged chiropractic and physi-

cal therapy services together to

enhance the quality of patient

care and overall treatment out-

come. If you have any

questions for either of the

doctors or would like to

schedule a consultation please

call 973-616-4555.

Thinking

ergonomically


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Anxiet yAddiction

Depression

continued from previous page

To Advertise

in Life & Leisure Call 973-696-8008

Waiting to walk…

continued from page 4

To Advertise Call 973-696-8008

Community Happeningscontinued from page 2

continued on page 11

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez



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bors, and join us for a fun and

delicious evening!

Mar 22

•Want to learn more healthy

ways to eat everyday meals?

Come to this workshop on

Thursday, March 22, 2012

from 6:00 pm - 7:30 pm at

Butler Public Library and let

Dawn Noble, Nurse and

Owner of Balance and

Beyond, teach you how to

plan your meals weekly in

advance in order to get the

most nutrition into your diet

by planning ahead. Learn

simple techniques to plan

each meal for each week.

Please Note: All of our Adult

Programs are open to those

who are at least 18 years of

age. All programs are free of


library to reserve your place.

Butler Public Library is locat-

ed at 1 Ace Road, behind

the municipal building, on

the internet at www.butlerli-

brary.org, or by phone 973-

838-3262.

Mar 24

•Sign up your child ages 2 ½ -

4 years for a Pre-School

Toddler Dance at Butler

Public Library on Saturday,

March 24, from 11:30 am -

12:15 pm. Give your Toddler

the opportunity to move to

the music & dance with other

children in their age group.

Dance Instructor, Michele

Theiler will lead the children

& teach them how to move to

the groove. All programs are

free of charge. Please call or

visit the Library to reserve

your place if your child will be

attending. Parents should

remain in the library at all

times while this program is

running. Thank you for your

help. All programs are free of


Library to reserve your place,

as space is limited. Check our

website for other programs at

www.butlerlibrary.org. Butler

Public Library is located at 1

Ace Road, behind the munic-

ipal building, on the internet

at www.butlerlibrary.org, or by

phone 973-838-3262.

Mar 26 & 27

•Smiling Rhino Theatre pres-

ents auditions for FAME JR.

on Monday March 26th 7:30-

9:00pm and Tuesday, March

27th 4:15-6:30pm. Age: to

play high school students.

FAME show dates are June 2,

3, 9, 10, 2012. Please be pre-

pared to sing 16 bars of a song

that shows your vocal range

and personality. There will be

a dance audition and please be

prepared to read from the

script. A headshot or photo is

also mandatory. No appoint-

ment necessary. Smiling

Rhino Theatre is located at

247 Wanaque Ave., Pompton

Lakes NJ. For more info

please call 973-248-9491.

Please visit our website at

www.smilingrhinotheatre.com

May 2

•The Pompton Lakes Repub-

lican Club will be holding its


HIGHEST PRICESPAID ON THE SPOT

Paragon Jewelers

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Sell The Gold Jewelry

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We Also Buy Sterling Silver & Coins

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Gold Now $1,725 oz.P r y AutomotiveAutomotive

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• NJ State Inspection • Motorcycle Repairs • Brakes • Mufflers • Exhaust

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8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Old age happens. Our

dogs are no excep-

tion. As our dogs

become senior citizens, their

physical and mental capabili-

ties change and their needs

change too. Being aware of

these changes and knowing

what to expect will help your

pet’s golden years be happy

and comfortable.

Some common changes

that you may expect to see in

your senior dog are: loss of

hearing or vision, decreased

activity and/or weight gain,

changes in skin or fur, dental

disease, more sensitive stom-

ach, lumps and bumps, or

even dementia. These

changes don’t happen at the

same time for all dogs because

in general, smaller breeds live

longer than larger dogs. A

good rule of thumb is that, on

average, a dog is considered a

senior at 7 years of age.

Senior dogs may act dif-

ferently and may require dif-

ferent care but age is not a dis-

ease. These dogs aren’t lost

causes and minimal effort can

add years to their lives. The

main focus should be on pre-

vention. Whenever possible,

it is better and less costly to

prevent a problem from occur-

ring, rather than wait for a

problem to develop. Detecting

diseases in their early stages

greatly improves the out-

come. Advancements in vet-

erinary medicine have kept

our pets alive longer, healthier

and happier. If there is a prob-

lem with your dog, don't

assume it’s just because he/she

is old, and nothing can be

done. With the appropriate

treatment, which can be sim-

ple and non-invasive, many

conditions can improve.

Geriatric care for your

dog and prevention begins

with routine visits to your vet-

erinarian. Most pets visit

their veterinarian once a year

but it is recommended that

senior pets be seen every 6

months. Mainly because dogs

age approximately seven times

faster than us and early detec-

tion of problems is key. Your

veterinarian may do the fol-

lowing to assess and maintain

a healthy senior dog: take a

thorough medical history not-

ing changes in behavior and

physical abilities, a complete

physical examination, early

detection blood work and uri-

nalysis, aspiration of any new

lumps or bumps, x-rays, glau-

coma checks and blood pres-

sure checks.

Based on the veterinari-

an’s findings, treatment

options and care can be dis-

cussed. One of the most

important aspects is nutri-

tion. In general, a high quali-

ty senior food is recommended

once your dog reaches 7 years

of age but there may be very

individual nutritional needs.

The best food to feed depends

on the specific problems or

nutritional requirements of

the individual animal. For

instance, obesity is a very

common problem of older ani-

mals and will shorten their

lifespan. A lower calo-

rie/higher fiber diet

would be recommend-

ed for these dogs.

Other diets would be

advised for dogs with

GI disorders, kidney or

liver disease, arthritis,

skin problems, etc.

Home care is also essen-

tial. Close observation of any

changes in mobility, drinking,

eating, etc should be noted

and reported to your veteri-

narian early. Potential prob-

lems may also be uncovered

by getting your hands on your

pet to inspect them periodi-

cally.

Feed a good quality dog

food that is appropriate for

your dog's specific needs. Do

not allow your pet to gain

excessive weight which is very

common when your senior

dog’s metabolism slows down

and they don’t exercise as

much. It can make them

more prone to arthritis, heart

disease and diabetes. Follow

your veterinarian's recom-

mendations as to exercise,

nutrition and any medications

that may be needed.

Our senior dogs may not

be able to do what they used

to but with a little prevention

and early detection they can

still live a happy, fulfilling life

and still be wonderful com-

panions to us.

Dr. Matthew Krupnick is the

owner of the Pequannock Ani-

mal Hospital. He grew up in

Kinnelon and is happy to be

home, with his wife, three cats

and two dogs, to provide quality

and compassionate care for your

pets in the community. The Pe-

quannock Animal Hospital is lo-

cated at 591 Newark Pompton

Turnpike in Pompton Plains.

You may reach them by calling

(973) 616-0400.

Senior citizen canines By Dr. Matthew Krupnick


“WHERE YOUR

PET IS FAMILY”

Dr. Matthew Krupnick, D.V.M.

• Full Service Animal

Hospital, Specializing

in Cats & Dogs

• Complete Medical,Dental & Surgical

Services On Premises

• Caring & Competent Staff

591 Newark Pompton Tpke.

(near Friendly's)

Pompton Plains, NJ

973.616.0400

Hours: Mon 8-6pm • Tues 8-4pm

Wed 8-7pm • Thurs 8-6pm

Fri 8-5pm • Sat 8-12pm

FREE ExamNEW CLIENTS ONLY.

Limit 1 per pet.

Not combinable w/other offers. Expires 3/21/12

15% OFFExam Fee

ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 3/21/12

O p e n S a t u r d a y s

www.PequannockVet.com

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez



8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


annual Spring Fundraiser on

May 2nd. A Murder Mystery

Dinner Theatre entitled

“Murder at the Brownstone”

will be an interactive and fun

evening. $60 per person

includes the Ultimate

Beefsteak and show. For more

information, contact Tim at

973-839-1137 or Maria at

973-839-5831. Tickets can be

purchased online via PayPal at

http://www.plrepublicanclub.o

rg/forms/mmtickets.html.

Around the

Community…•Relay for Life is the

American Cancer Society's

signature event to raise aware-

ness and funding to fight can-

cer. A victory lap recognizes

local cancer survivors and a

Luminaria ceremony honors ad

remembers those who have

faced cancer. West Milford

will host Relay for Life of the

Highlands on June 9-10, 2012

at West Milford High

School McCormack Field.

Anyone who has an interest in

fighting cancer is welcome to

attend our Team meetings at

West Milford High School,

67 Highlander Drive, W.

Milfordat 7:45 pm on February

29, March 21, April 18 and

May 9. Please get involved by

forming a team or joining a

committee. It's a lot of fun and

it's one of the most rewarding

experiences you'll ever

have. For more information

please email our local Relay

Co-Chairs, Nicole Rivera and

Vickie Evans at relay.highland-

[email protected] or check out

the web site: http://www.

relayforlife.org/highlandsnj

OR phone Jessica Gaeta at

201.457.3418 x 2227.

•To celebrate Valentine's

Day, come into the Library

between February 1 and 29

and have a blind date with a

book. Just choose a wrapped

book to borrow. You won't

know what it is until you get

home! This is a great oppor-

tunity to try reading some-

thing you might not normally

pick out yourself. (After

about 50 pages - give it a

chance, if you don't like the

book, no problem- just stop

reading and return it to us.

The book's feelings will not be

hurt.) If you enjoy the book,

you can review it using the

review slip inside. Then we'll

post your review in the

Library. Butler Public Library

is located at 1 Ace Road,

behind the municipal build-

ing, on the internet at

www.butlerlibrary.org, or by

phone 973-838-3262.

•The Pompton Lakes Repub-

lican Club invites you to join

them at their monthly meet-

ings. Meetings are held the

third Thursday of each month

at the VFW Post 2906 off

Wanaque Avenue in Pompton

Lakes. Membership is open to

the public. Get involved with

the PLRC and participate in

our informative meetings,

community outreach, scholar-

ships for our youth, and our

social activities. Questions?

Call 973-835-4025 or email

kbaig @optonline.net.


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8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Toys that encourage

physical fitness are a

great way to keep

your children fit, active and

having fun all year-round.

Therefore, giving the right

activity-gift will not only

ensure your kids have fun,

but will also stay healthy

without even realizing it.

What is an activity-toy?

One of the most popular

activity gifts is the ride-on-toy.

Aside from being fun, ride-on-

toys offer many additional ben-

efits, such as developing a sense

of balance and coordination,

and make a big contribution to

a child's overall physical fit-

ness. This year, take a look at

the PlasmaCar by Plasmart Inc.

It's a mechanical marvel that

can be driven on any flat sur-

face, indoors and outdoors, and

is powered solely by kid-power.

This attractive vehicle is a fun

way for kids to ride around the

neighborhood, keep their bod-

ies fit, and have fun at the same

time. It requires no batteries or

fuel, just the occasional cookie

or two for the driver.

What makes a good

outdoor gift?

Outdoor toys need to be

well made. Not only do they

need to stand-up to rough and

tumble kid treatment, they

need to be able to survive all

types of weather. Outdoor toys

should also have rounded cor-

ners to help prevent scrapes

and cuts that go hand-in-hand

with outdoor fun. Makers of

the PlasmaCar say it's highly

durable and can handle a load

of up to 100 kg (220 lbs) on a

smooth, flat surface, and 55 kg

(120 lbs) on a rough, flat sur-

face. Not only will it handle

the daily abuse at the hands of

your children, it's so durable

that parents can have fun rid-

ing it, too. The colour is highly

appealing to kids -- and with its

rounded curves, seat and steer-

ing wheel, this design will help

reduce summer bumps and

bruises.


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To Advertise in Life & Leisure Call 973-696-8008

jj j jj

b lif dl i j F b 22 2012P 16 Z 3

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


If I could tell you how to

build a home with practi-

cally no more money

than a conventional heating

and cooling system, and

you’d have no heating or

cooling bills, would you do

it? If I could then tell you

how to eliminate your elec-

tric bills also and end up with

a “net zero” home, would you

do it?

I would hope so, because

this is all possible now, and

you really don’t have any out

of pocket costs because it’s

part of the cost of the house.

A Geothermal Heating

and Cooling system works off

the constant 54o tempera-

ture of the earth. With heat

pumps that take heat out of

the house in the summer and

bring it into the house in the

winter, you have an air distri-

bution system that is the

most comfortable of any

heating or cooling system

there is. If dry heat bothers

you with asthma, bronchitis

or allergies, geothermal will

reduce those symptoms and

you’ll be much more com-

fortable.

So here’s how it can

work. Contracting for a

geothermal system with Solar

& More will give you the

opportunity to save 30% on

your system and your home’s

insulation and ductwork.

How do we do this? We

design and include the

home’s air handling and

ductwork into the

Geothermal system. We

then provide the spray-in

foam insulation as part of the

Geothermal system also.

This does two things; it

increases the insulation from

the home’s “envelope” (the

insulated living area of the

house) and reduces the size of

the Geothermal system

because of this extra insula-

tion. Spray in insulation is

much more efficient than

standard mat insulations pro-

vided with most homes.

What’s all this mean?

Basically, you get a

Geothermal system for the

same amount as a traditional

heating and cooling system.

And, you get a much tighter

home with fewer drafts and

the most comfortable heat

and cooling system you can

buy!

So now you’ve finished

86 Main StreetBloomingdale973-838-0300

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i it b it t lif dl i jFebruary 22 2012 Zone 3 Page 17

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Free Estimates • Fully Insured • References Available

Innovative, Full ServiceResidential Remodeling,

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“Transforming Lives By Transforming Living Spaces...It’s What We Do”

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Call for an appointment to set up a FREE DESIGN CONSULTATION at our new location • 973-696-0333

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Whether it’s a minor remodel or a major home addition, we treat each project with the same attention to detail while working toward completion in a timely and efficient manner.

Advantage Contracting also offers project management and full demolition.

We can manage your electrical, plumbing and general carpentry needs as well.

building the house and you’re

in. What happens next?

You‘ve reduced your heating

and cooling bills by up to

70%! You also cover about

70% of your domestic hot

water bills with this geother-

mal system as we install a

“desuperheater” that trans-

fers heat from the heat pumps

to a hot water heater. What

could be better!

Tell your architect to be

sure he considers a

Geothermal system. If he

doesn’t, we’ve got an archi-

tect who will design this for

you and it won’t cost you any

more than a traditional

design. If he’s really good,

he’ll also give you a south

facing roof for some solar

panels. This could eliminate

the remaining portion of

your electric bill to give you

that “net zero” home…no

electric, no heating and no

cooling costs…for the life of

your home. That’s energy

efficiency!

Tom Ferraro owns Solar &

More, a retail showroom in

Pompton Plains, NJ where you

can go to see and learn about

solar, geothermal and other

renewable energy systems.

For more information, see their

website at www.solarnmore-

store.com, visit the store or call

800-782-0241.


Sales, Concept, Design,Installation & Service

Wood/Pellet StovesGas FireplacesInserts Gas Log SetsMantels Doors

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DESIGN. BUILD. MAINTAIN.

Building a house?

With Geothermal, I hope!continued from previous page

To Advertise in Life & Leisure

Call 973-696-8008

visit our website at www lifeandleisurenj com February 22, 2012Page 18, Zone 3

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


•Kinnelon’s Open Space

Committee (OSC) and Open

Space Advisory Committee

(OSAC) are inviting members

of various organizations and

committees throughout theBorough to join them on a tour

around Kinnelon. The Land

Conservancy of New Jersey will

be taking notes and gathering

information on Kinnelon’s

Historical, Recre-ational, and

Open Space facilities in order

to update the Borough’s OpenSpace Plan. Residents should

go to the Borough’s website

(www.kinnelonboro.org) for

additional information regard-

ing Public Meetings in which

they can participate. Com-

ments /suggestions are always

welcome at: Kinnelon_OSAC@yahoo. com.

•The Bloomingdale Seniors

are planning on a 10 day

Caribbean Cruise out

of Bayonne on Royal

Caribbean’s Explorer of the

Seas on April 26, 2012. The

itinerary includes Haiti,Bermuda, St. Maartin and San

Juan. For information and

pricing, please call Pat at

(973) 838-9259.

• Jewish Family Service of

North Jersey, a recipient of

financial assistance from UJA

Federation of North Jersey, is

expanding its Kosher Meals

on Wheels program in Wayne.

The Meals on Wheels

Program provides hot, nutri-

tious kosher meals to peopleage 60 and over, or those

younger who have a disability

and who are unable to cook or

shop. Volunteer drivers bring

needed meals; offer a smile, a

greeting and a personal con-

tact to the elderly, many of

whom seldom get out. Drivers

are needed to deliver meals

two times a month. Presently,

we are accepting referrals for

people who would like to

receive meals. Please call Paul

Klein at (973) 595-0111 tovolunteer, to request Kosher

Meals on Wheels, or for addi-

tional information.

•The Circle of Friendship, a

support group for the separat-


- Fast, On-Time Professional Service- 24 Hour Emergency Service

- Satisfaction Guaranteed- Senior Citizen Discounts- Financing Available- Also Providing Professional

Roofing Services

Chimney

Fire PlaceCleaning& Repairs

SERVING ALL OF

NEW JERSEY!

Full Drainage Systems • Sump Pumps• Drywells • Lawn Drains • Mold Remediation

Basement Remodeling or Refinishing• Free Estimates • Fully Insured• Local References Proudly Given

• Lifetime WarrantyNJSLIC#13VH00820600

“No Pushy Sales People!” Deal Directly With The Owner!

Proudly Providing Quality

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“THE LOCAL GUYS YOU CAN TRUST”

F R E E S u m p P u m p

W i t h A n y F U L L D

RA I NA G E S Y S T E M

B o o k e d B e f o r e 3 / 3 1 / 1 2

“Our Reputation Is Our Best Advertisement”

Serving Passaic, Morris, Bergen & Essex

Count ies For Over 28 Years!

ADDITIONS • RENOVATIONS

KITCHENS • BATHS • FINISHED

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COMPLETE TURN-KEY SERVICE

• FREE E S TI MATE S • FU LLY I N S URED 973-831-5910

R E F E R E N C E S P R O U D LY

G I V E N NJSLIC.#13VH 008 20600

TIME

IS

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R O O F I N G , I N C .

KOVACH

$350 OFF ANY ROOFING JOB

Of $3,000 Or More

FREECOBRA RIDGE VENTWith Any New Roof

$30 OFF ANY ROOFING REPAIR

Of $250 Or More

“Member Of The North East Roofing

Contractors Association” “Member Of The Better Business

Bureau”

"#

973-835-5330FREEUpgrade To Lifetime Shingles

Call for more details!

Established 1948 • A Professional Roofing Company

WE DO SMALL REPAIR JOBSNJ Lic# 13VH00222500

Roof Removal • Slate • Tile • Wood • Shingles • Skylight RepairsRubber Roofs • Flat Roofs • Leaders & Gutters • Chimney Repairs • Solar Panels

With coupon. May not be combined with anyother offers. Expires 3/31/12



www.Kovachroofing.com • Email: [email protected]

"!

Community Happenings

continued from page 14


8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


visit our website at www.lifeandleisurenj.com February 22, 2012Page 20, Zone 3

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


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8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


C

all it a sign of the

times or just plain

good luck for those

of us yearning to swap fastfood fare for some tasty home

cooking. Potluck gatherings

are back and one of this year's

hottest trends in entertaining.

Although these commu-

nal "luck of the pot" meals

(where everyone brings their

favorite dish) hearken back to

the late 19th century, they

found their footing in the

mid-1950's when it seemed

like every mom in the neigh-borhood was filling casserole

dishes for church socials and

family get-togethers.

"There are three primary

reasons driving the return of

potluck -- our schedules, the

economy and childhood

memories," says Chef Jeff

Gillis, www.Celebrating

Home.com. "We live such

fast-paced lives that divvying

up the cooking makes homeentertaining more realistic

than putting all of the burden

on the hostess. Making one

dish instead of several also

helps stretch the budget --

something we're all looking to

do these days. And, let's face

it -- after years of dashing

through the drive-thru,

wouldn't you like to sit down

to some home-cooked food,

even if it's only once a week?"

Got potluck fever but

not a clue what to do? Here

are four tips that'll make your

next gathering both tasty and

stylish, plus, a family-fave

recipe that'll put your home

on the map as potluck heav-

en.

Organize Participants

Divide the meal by cate-

gories so guests will have a

balance of appetizers, entrees,

sides and desserts from which

to choose. Cooks needn't

commit to a specific recipe

but it's helpful to know up-

front that a well-rounded

meal is in the making.

Agree on Advance Prep

All dishes should be

cooked prior to arrival so only

a quick re-heating is required.

Everything should also hit

your doorstep ready for pres-

entation to avoid last minute

searches for serving bowls and

platters.

Choose Easy-Fix, Crowd-

Pleasing Recipes

To appeal to guests vary-

ing tastes, save the exotic for

later and dust off mom's (or

grandma's) cookbook. Tra-

ditional potluck dishes like

casseroles, chili, soup, bread,

and cakes are always popular

j

Coupon must be presented before ordering. Maximum 2 coupons per table. Not valid forparties of 8 or more. Not valid with other offers. Excludes beverage and tax.All coupons good for two meals. NOT VALID ON HOLIDAYS. Expires 3/21/12

*

Coupon must be presented before ordering. Maxi-mum 2 coupons per table. Not valid for partiesof 8 or more. Not valid with other offers. Excludestax. NOT VALID ON HOLIDAYS. Expires 3/21/12

*

Shrimp Scampi or Francaiseover Linguine, Veal, Chicken,

Shrimp or EggplantParmigiana w/Linguine,

Chicken or Sole Francaisew/Potato, Meat Loaf

w/Mashed Potatoes, FriedShrimp w/French Fries

***Soup or Salad***

With the purchaseof a beverage.

MONDAY - THURSDAY

$10.99

LUNCH SPECIAL6 Choices for

ALL DAY SPECIAL

1. Grilled Chicken or Shrimp Caesar Salad

2. Eggplant Parmigiana Platter or Hero

3. Chicken or Shrimp Scampi over Pasta

4. Chicken, Shrimp or Sole Francaise with Vegetable

5. Meatloaf with Mashed Potatoes

6. Fried Shrimp & French Fries

7. Fish & Chips

CANNOT COMBINE WITH LOBSTER OFFER. Coupon must be presented before ordering. Maximum 1 coupon per table.Not valid for parties of 8 or more. NOT VALID ON HOLIDAYS. Not valid with other offers. Excludes tax. Expires 3/21/12

With the purchase of a beverage.With minimum

Food purchase of $35.00$10 Off

$599

*

Not to be combined with $9.99 or $10.99 coupons.

RESTAURANT

*

MONDAY - SATURDAY

MONDAY - SATURDAY

With the purchaseof a beverage.

STEAKS•CHICKEN•SEAFOOD PASTA•KID’S MENU

710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 • www.gillysrestaurant.com

BUY 1 ENTREE - GET 1 FREE*! TUESDAY ALL DAY

*CASH ONLY. NOT VALID ON HOLIDAYS. Of equal or lesser value. Not valid with other offers. Excludes tax.Cannot be combined with any other offers. One offer per table. Must present coupon. Valid with purchase of beverage.

2 LARGE CHEESE PIES

$1899

1 Lg. Cheese Pie & 1Order of Buffalo Wings

Only $1599Only

1 Lg. Cheese Pie & 1 Cold Antipasto or Mussels

$1699Only

3 LARGE CHEESE PIES

$2799Only

Super Family Package

$1799Only

$2.00 Off $15.00 or More

$2.00 Off Any Large Pie

$5.00 Off $35.00 or More

1 Lg. Cheese Pie, 6 Mozzarella Sticks,6 Garlic Knots & One 2 Lt. Soda

Closed Mondays, Tues-Thurs 11am-10pm,Fri-Sat 11am-11pm, Sun 12-10pm

LUNCH SPECIALS AVAILABLE 11AM-3PM

Danny’s PizzaTake-Out or Delivery only. Not to be

combined w/any other offers. Exp. 3/31/12

















DINNER FOR 2

$2199Only Chicken Entrees

Any StylePasta Any Style

Side Salad

2 PLAIN PIES, 2 ORDERSOF MOZZARELLA STICKS

& 1-2 LITER SODA $2999

Only Danny’s Pizza

Take-Out or Delivery only. Not to becombined w/any other offers. Exp. 3/31/12

RATED 3½ STARS IN THE RECORD • DELIVERY AVAILABLE $15 MINIMUM

Potluck's back -- let's eat! By Carla Jordan

A slow cooker (like Celebrating Home's Venetian Home Spice Bean

Pot shown here) is potluck perfect. It's sized to feed a crowd and to go from kitchen to table without missing a stylish beat.

Photo courtesy of www.CelebratingHome.com


Bean Pot Beef Stew

This twist on an American favorite yields a hearty,

flavorful entree that takes less prep time because it slow cooks

in the oven in a bean pot.


8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


“A Wa r m, El e g a n t &

En g a g i n g A t m o s p h e r e”

• Restaurant & Fine Catering

• Gift Certificates Available• Daily Lunch Buffet & Full Menu with Specials

• Take-Out • Full Bar

Since 1983

A T o u c h O f I t a l y I n B l o o m i n g d a l

eC a t e r ing

F or A ll O c c a s ions

O n & O f f Sit e

49 Main St • Bloomingdale, NJ • 973-492-2211 • 1-888-522-Lina (5462) www.linasristorante.com

Just off Routes 23 & 287 • Open Wed, Thurs & Sun 12pm-11pm • Fri & Sat 12pm-12am

VISIT US ON FACEBOOK

Let Our Family Host Your Child’s Communion Celebration, Reserve Your Party Today!

Call Lina’s at 973-492-2211 Customer Appreciation Night

Every Wednesday & Friday

50% OFF Entire Check 4pm-11pm. Cash only. 18% Gratuity added

to total bill. Not valid with any other offers.

We will open for private parties

on Mondays & Tuesdays


8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez



8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Maryann Brown and

Jeff Montemarano,

Brokers/Owners of

CENTURY 21 Preferred

Real-ty, Inc. are pleased to

announce Barbara Pagella

earns Circle of Excellence

Bronze level award for 2011.

“Barbara places her real

estate wisdom and passion for

life in her everyday business,

helping to make clients more

comfortable with the real

estate transaction as they

make what may be one of the

most significant purchase of

their lives,” said Maryann

Brown and Jeff

Montemarano, “Barbara is

well valued and trusted real

estate source for the commu-

nity and a major contributor

to the overall success of

WEST MILFORD $300,000COMPLETELY RENOVATED

Lower West Milford gem. 3BR, 2 bath Ranch on 1 acre ofbeautiful landscaped property. Brand new septic, Kit.

w/granite counter & ceramic tile, ss appl’s & generous

sized deck. Unsurpassed quality & craftsmanship.

WANAQUE $249,900SPACIOUS RANCH

Outstanding home on prime, quiet street. HWF o/s LR andpartially finished basement. Great for TV room or play-

room. Walk outside to the double deck & above groundpool (great for summer fun). 2 zone heat, 6 ceiling fansand full attic. Walking distance to t own center.

WAYNE STARTING AT $899,000NEW CONSTRUCTION

9 custom homes to be built. Home will be custom andunique. All offer complete package of amenities including

hardplank siding, a complete landscaping and trim package,ample lighting, luxurious baths and custom kitchens andmore.

BUTLER $450,000COLONIAL

Colonial 4BR, 2.1 bath, 2 car gar., custom kit. With sittingarea off kit., FR with fplc., lg. BR’s, plenty of closets.

Gazebo rm off kit. Open floor plan. HW flrs., 9’ ceilings +sliders off FR to very large deck.

LINCOLN PARK $168,000DEER RUN

Awesome location in Deer Run features 1BR end unit near

the 2nd fairway. Enjoy the Golf community with pool, ten-

nis and more! Call for more details!

BUTLER $285,000BEAUTIFUL HOME

Bi-level with 3BR’s, finished lower level with den/office; FR

with gas ventless fplc., sliders to an enclosed patio with

access to IG pool & large laundry room. Great Value!

BLOOMINGDALE $409,900COLONIAL

Beautiful Victorian w/spacious 6BR’s, FR, LR, FDR, 2 fp lc’s,new gas furn & HWH, most new windows, IG pool withheater, wrap around front porch, master BR with bath &

WIC.

O P E N H

O U S E

2 - 2 6 1

- 3 P M

Butler1333 Route 23 South

Office: 973-838-1001

Maryann Brown/Jeff Montemarano, Brokers/Owners

www.c21preferredrealty.com

POMPTON LAKES $265,000BEAUTIFUL AND CHARMING

Beautifully maintained & charming 3BR Colonial on large

park-like property with HW flrs. LR with picture windowoverlooking Twin lake. Large walk-up attic & 1 car det. Gar.

RINGWOOD $274,900SKYLINE LAKE HOME

2/3bedroom, 1.2 bath home boasting breathtaking viewsfrom LR, DR & BR’s. Huge LR with sliders to covered balconyoverlooking two tier deck, dock & lake; DR with large win-

dows, HWF & fplc. MBR on lower level features lake views,office, ½ bath and laundry room.

KINNELON $459,000SMOKE RISE

Meticulously maintained 3BR, 3 full bath custom multi-level home in gated community. Feats: FDR, country kit,

FLR with wood stove. Lower level FR with beamed ceil &brick fplc & full bath.

WANAQUE $200,000GREAT OPPORTUNITY

Great location to own this 4BR, 2 full abth, HW flrs., gran-

ite in kit., 2 full baths, full bsmt., Home is near Rt. 287 &

shopping.

BUTLER STARTING AT $399,000 ARGONNE WOODS

3BR, 2.5 bath, 1 car gar. Lg. foyer w/slate flrs. Foyer leadsto main level w/HWF, 9ft. ceilings, cust. Kit. w/granitetops, s/s appls. Sliders to patio, powder room, LR w/gasfplc., sliders to balcony. MBR w/full bath w/jetted soakingtub, double vanity, WIC. Dir.: Rt. 23S just past BoontonAve. a/k/a 511

N E W

P R I C E

O P E N

H O U

S E

S A T . & S U

N .

1 2 - 4 P M

R e m i n d e r ... N e e d t o C h a n g e C a r e e r s ! ! ! C A L L T O D A Y !

Century 21 Preferred Realty, Inc. announcesBarbara Pagella earns Circle of Excellence Award For 2011


MARIA FERRITO

973-986-6914 Cell

LINCOLN PARK $249,9993BR Penthouse, hardwood floors.

Private back location.

OPEN HOUSESunday, Feb. 26th 1-4pm

Located at 39 Robertson Way

!!!""#!&

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE 2002-2011

Consistent

TOP PRODUCER

in the WAYNE area.

"&%!$&

WAYNE $899,9995,000 s.f. of luxury - Custom 4br,

5.1 bath. Set on .75 acre private lot.

Call MARIA FERRITOfor CURRENT MARKET

VALUE OF YOUR HOME


8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


SMARTER. BOLDER. FASTER.

Make your first choice the right choice.

Call Danielle today at 973.460.4352

• Advertising on over 170 websites• Direct access to all real estate listings

• Short Sales & Foreclosure Certification

NJAR Circle of Excellence Award ~ 2006-2011Masters Emerald ~ 2011

Quality Service Pinnacle Producer ~ 2011

DANIELLE FIORINAREALTOR®

, ABR®

Crest Real Estate142 Route 23 NPompton Plains, NJ 07444

[email protected]: 973.646.7440

OFFICE 973-696-6660 x140 or CELL 973-725-8810Fax 973-694-3915 • [email protected]

JOAN LA GRECAREALTOR

991 Hamburg Turnpike • Wayne, NJ 07470

Call Me for a FREE Market Analysis of your home.I will bring you RESULTS in getting your home SOLD!

2001 Brick 5BR, 3Bath Col. on Cul De Sac. Enjoy themountian views where home is high and dry. Kit. hasgranite counter tops, ss appliances. Slider door todeck. Great Room with cozy fplc. Master suite B/Rand Bath w/jacuzzi tub. Custom shaped IG pool andparklike prop. surrounded by breathtaking landscap-ing. Huge patio. High Ceilings. Marble & HW flrsthroughout 1st Floor. UG water sprinkler. 3 carattached gar.. Taxes are being appealed. Must See!

S O L D

!

T o p Lister Ja n u a r y 2012

Century 21 Preferred Realty,

Inc. and the Century 21

System as a whole.”

“I attribute my success

to the reputation for excel-

lent customer service,whether working with home

sellers or buyers. I always

strive to show my clients the

utmost professionalism and

courtesy,” stated Barbara.

For more information regarding

home buying and selling services,

contact Barbara Pagella at Centu-

ry 21 Preferred Realty, Inc., But-

ler office at 973-838-1001 Ext.

136 or e-mail Barbara.

[email protected].

Century 21 Preferred Realty, Inc.continued from previous page

To Advertise in Life & Leisure

Call 973-696-8008

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SERVICE DIRECTORY & CLASSIFIEDS

FREEat Home Shopping

Service S e r v i n g

N o r t h J e r s e y

P r o u d l y f o r o v e r

60 y e a r s!

CMR SERVICES973-703-3039

Cleanouts &Dumpster ServicesFully Insured • NJ Lic #A901

FREE ESTIMATE

Estates • Abandoned PropStorefronts • Basements

Whole House • Attics

Regain Valuable Storage!We dispose unwanted items in an

environmentally safe way.

10% OFFwith this ad

ASPHALTMAINTENANCE INC.Driveways & Parking Lots

973-299-9226

•Paving Sealing Curbs Retaining Walls Pavers Drains Patches Excavation

Free Estimates

No Job Too Small

Residential

Commercial

& Industrial

NJ Lic # 15081

Insured & Bonded

973-633-5050

M STENelectricelectric

'7/=09;3:0

,44,;24006

'7

/=09;3:0

,44

,;24006

WE BUYGOLD & ANTI QUES

Instant Cash for Precious Metals • Jewelry Antiques • Collectibles, & More!

Call Now For A FREE AppraisalWE PAY MORE & COME TO YOU

973-809-2554 • Available 7 Days A Week

GOLD10 - 24 K Jewelry Broken Jewelry

Class RingsCoins

Wedding RingsDental Gold

SILVERSilverware

Flatware • Tea SetsCoins • Jewelry Broken Jewelry

WATCHESCOINS • ANTIQUES

State Certified with theWeights & Measures &Bonded up to $10,000

In Business for Over 30 Years

Just Wood

973.981.4640

Since 1985 • Insured Free Estimates

Refinishing • Sanding • Deck RepairsInstallation • Mold Treatment

NEW & OLD

Construction-Residential& Commercial.

Fully Insured & Bonded

FREE ESTIMATES20%OFF New Customers

CQ ElectricLLC

973-699-0855

!!"!"!%!"#&'"#!"$!

&%)&

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R.G. Gutters

973-832-4207

$"#!

Free Estimates &20% OFF

Gutter Cleaning ForAll New Customers!

ARE YOUR GUTTERS FOWL?

&%)&

www.mrhandyman.com

with this ad

Cannot be combined w/any other offer. 1 per household. Exp. 3/15/12.

REMODELS, REPAIRS

MAINTENANCE & MUCH MORE!

973-696-9393

Insured & Bonded • Member of the BBB NJ Lic. #13VH00608600 • NAT-22773-1

Satisfaction Guaranteed!

$22 OFF

TOM’S HANDYMANSERVICE

973-632-6411

CARPENTER

201.913.8044

HANDYMANRepair, Remodeling

40 Years Exp.Pompton Lakes Area

NORTH JERSEYREMODELERS

973-962-1811

• Full Kitchens• Bath Specialists

• Basements• All InteriorRenovations

• Ceilings to Floors• Doors • Painting

• Windows• Counter Tops

• Cabinet Refacing• General Carpentry

&%)&

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,("&$%),%&'!'&

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Lawn Service

Weekly &

Bi-Monthly

“No Job Too Small”

&%)&

&"!%+

!$#

"#&!"

"#$$#(%'#%"

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Longo Construction

973-838-8693

All Types of Brick, Block,Concrete, Fireplaces,

Foundations etc.

Free Estimate - Fully InsuredBloomingdale

&%)&

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973.942.8925Local • Long Distance

“For Free Estimates Call”

MOVING & STORAGE INC.

Wayne

• Expert Piano Moving• Low Local Rates

• Professional Office Moving• Small Jobs Welcomed

• Fully Insured • Senior Discounts

&%)&

&"!%+


P l k' b k l ' !

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


#

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DIRECTORY

Q u a l i t

y

W o r k m a

n s h i p

• Interior & Exterior Painting• Residential Specialists • Power Washing• Paper Removal & Installation• Brush • Roll • Airless Spray• Fully Insured • FREE Estimates

Owner Operated

“Where Excellence InQuality Is Affordable”

973-839-7403

Stephen FoxPlumbing & Heating

Small Repairs,Alter, Drain Svc.

INSURED BONDED

973-839-1054

Lic.#7467

“The Original”

George’s PaintingInterior and Exterior

PaintingHome Improvements

Free Estimates • Fully Insured

973-628-9143Established 1986

KevinThe Painter“A True Professional”

Decorative, Faux & Textural Finishes, Glazing,

Sheetrock, Spackle,Repairs & Power Washing

Interior/Exterior

Fully InsuredReferences available20 years Experience

973-979-8043

973-616-9150

Roof Repairs

KovachRoofing

Shingles - SlateFlat Roofs - Gutters

973-835-5330Senior Citizen Discount

$300 OFFANY JOB OF

$3,000 MORE

•Vinyl SidingReplacement Windows Residential Roofing 35+ Years Experience

Free Estimates • Fully Insured 973-696-5699

ROSSROOFING & SIDING

:/2)3,%.05)30%5,10%.;+)339$11(

*511.

!%&.))%5+)3 1'-)548')..)0510(,5,10)7)3&))0/17)()%65,*6.

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and easy to make.

Dress Up the Table

Remember the special table-

cloth mom used for Sunday dinner?

Create some memories for your own

family with a pretty fabric table-cloth, cloth napkins (pretty and eco-

friendly!) and some candles. A few

minutes is all it takes to create a fes-

tive look that'll make guests feel

honored to have gathered around

your table.

Ingredients:

1 pound round steak, cut

into bite-sized pieces

1 large yellow onion,

roughly chopped

2 tablespoons olive oil

4 cloves garlic, chopped

fine

1 can (14.5 ounces) dicedtomatoes

6 cups beef broth (or stock)

11 ⁄ 2 teaspoons dried thyme

3 bay leaves

2 cups potatoes, cubed

1 cup celery, diced

1 cup carrots, diced

Salt and pepper to taste

Directions:

Rub steak with olive oil and

coat with salt and pepper.

Let steak sit at room temperature in

bean pot while preparing all other

vegetables. Chop and dice every-

thing, then add to bean pot. Addbeef broth (or stock), thyme, bay

leaves, diced tomatoes and salt and

pepper. Cover and bake in 375 F

oven for 3 to 4 hours until meat is

tender.

*Recipe courtesy of www.Cele-

bratingHome.com

Potluck's back -- let's eat!continued from page 21

the abhorrent future price of college,

the 529 plan created a vehicle to

accumulate wealth for that purpose.

The problem is, the success you will

enjoy in the plan will hurt or hinder

the availability for financial aid pack-

ages available to you for college when

the girls apply. 529 assets are part of

the EFC, Expected Family

Contribution. There is a better way

that will accomplish the goal of accu-

mulating capital for college and at thesame time, maximize your aid eligibil-

ity, in other words, have your cake

and eat it to. Interestingly, the solu-

tion ties into your second question,

ample life insurance coverage for you

and your spouse. To elaborate, I will

need a bit more information. In this

way I can do some work for you and

create some fascinating proposals and

illustrations that will completely sat-

isfy all of your requirements.

The answer for Carolyn lies inthe proper life insurance for her and

her husband. Interestingly, life insur-

ance cash values are not factored in

the EFC formula; yet, their cash value

may be accessed for college tuition

needs, tax-free, if removed from the

policy properly. Further, the cash

value accumulations may be linked to

a stock market index like the S+P 500

where, by formula, can only grow

without the possibility of negative

returns from crashes and corrections.Therefore, Carolyn and her husband

can use the same money to provide

for the proper life insurance protec-

tion today, a supplemental tuition

reimbursement plan in 13 and 15

years respectively and ultimately a

tax-advantaged retirement plan at

their age 67, to complement their

Social Security benefits all at the

same time! Thank you Carolyn for

your question, additional information

is already on its way to you.Our next question comes from

Bruce M, a high school teacher inWayne:

Dear Mark: Why would a person

ever have a Variable Annuity inside a

403(b)? As someone who deals in

annuities I am hoping you will have

an interesting take on this issue.

Thanks, Bruce

Dear Bruce: Your question is an

excellent one and interesting at the

same time, the 403(b) industry was

devoted exclusively to variable annu-

ities in the beginning of their intro-duction to the investment communi-

ty for those people looking for equi-

ties (stocks or stock mutual fund like

alternatives). The biggest difference

with a variable annuity is the death

benefit feature that protected the

value from market losses at the death

of the annuitant. Another name for a

403(b) is a tax-sheltered annuity or

TSA. TSA’s are available to teachers

as well as hospital workers and not for

profit organizations as their retire-ment plan of preference and all annu-

ity types are available as a TSA to

include traditional fixed, fixed

indexed and variable annuities.

Bruce, I believe your underlying

question is: Is their value in rolling

over or transferring an employer

sponsored 403(b) into an IRA vari-

able annuity where they both provide

income tax-deferral anyway?

The answer is absolutely yes! In

addition to a death benefit VA’s alsooffer a living benefit rider (LBR).

This feature, unavailable in most

TSA versions, would provide imme-

diate upgrades and incentives for the

participant. With different nuances

from each issuing carrier and product,

it’s important to check the fine print

to secure the best benefits in line with

the purchaser’s individual goals and

objectives. The finest LBR’s share in

common, a lifetime income guarantee

for single or joint annuitants, a step-up mechanism to lock in performance

gains if any and an annually increas-ing “roll-up” feature that will

increase your income base in periods

of declining or negative market per-

formance. Most school sponsored

403(b)’s do not offer living benefit

riders which is truly a shame! It

would be my pleasure to demonstrate

to you and your fellow teachers the

variable annuities I feel offer the best

combination of benefits and value.

Bruce, just email me or call, better

yet, come on over as I never chargefor a consultation and my kids would

like to see one of their favorite former

teachers. All annuities are not creat-

ed equally nor are 403(b)’s for that

matter; therefore they should be stud-

ied carefully before making any

exchanges or cancellations.

Readers, please continue to

send me your financial questions.

Every question will get my personal

response even if it doesn’t make it to

this page. Thank you all for yourparticipation and the opportunity to

be of service. Maybe, next issue will

be your chance to see your name and

question in print!

Mark E. Charnet is President and

Founder of American Prosperity

Group. APG is the Premier Retire-

ment and Estate Planning Franchise in

the United States with 16 offices in 8

states. Mr. Charnet has over thirty

years of experience in the Retirementand Estate Planning fields. Creator of

the Trinity Method of Investing©,

Mark encourages your inquiries and

can be reached at: 877-885-1APG

(1274) or 973-831-4424 or via email,

[email protected] Check out

our website: www.1APG.com Inter-

ested in a career in retirement and es-

tate planning? Check out this website:

www.APGFranchise.com Securities

through: BCG Securities, Inc. Mem-

ber SIPC, FINRA and a RegisteredInvestment Advisor.

Charnet answers financial questionscontinued from page 5

8/3/2019 221657_1329839248Feb 22 2012 Z3 Low Rez


Cindy Gallagher A Few o f Ci n d y’s Lis t i n gs...Fo r a p r iva t e t ou r of t h es e h o us es

c a l l Cin d y 973-714-3897 c e l l

)&"#$$&" ( #"#$"$""&"!%"$%$''!%%#"$%$'&"$'

A FEW OF CINDY’S RECENT SOLDS

Kinnelon $849,900"For the buyer who appreciates quality+ fine wood work".Fabulous custom 5 bedroom 3 full bath expanded ranch withcustom solid doors and custom woodwork throughout. Theliving room/gathering room offers imported black slateflooring,radiant heat,a built in coffee bar and a custom hick-ory cabinetry unit. A media room / office or in - law suite

with a separate entrance. A beautiful kitchen with a sub zerorefrigerator, large breakfast bar open to the dining roomand great room with a beautiful stone fireplace. The garage

offers custom cedar garage doors, epoxy floors, separategas heat, central air and stereo system. This house has aback up generator for your convenience, a lawn sprinklersystem, outdoor lighting and a custom water feature with a

water fall. GSMLS# 2911268

Kinnelon $550,000 Wonderful Colonial Tudor home offers 4 bedrooms and 2and 1/2 baths. Pride of ownership throughout. Eat inkitchen open to the family room with a brick fireplace anda pellet stove insert.Sliding glass doors to the large deckoverlooking level back yard. A formal living room and din-ing room with hardwood floors. A main level 2 car garage,powder room and laundry room. The second level offers a

very spacious Master Bedroom Suite with 2 walk in closets,

a large sitting room or office, a updated master Bathroom.Three additional Bedrooms and a updated main Bath. Afinished lower level on 1.01 acres in the Prestigious SawmillManor Estates. GSMLS# 2915794

Ca ll Ci n dy a t 973-714-3897 c el l 222(,,%*-,%"*04#-+

-*$2%**",)%.(,,%*-,+-)%(/%

0-.0'10*%.&&(#%3

55 KIEL AVENUE, KINNELON26 CABOT LANE, KINNELON (I Listed and Sold)

8 STEVENS AVE., KINNELON9 SYCAMORE TRAIL, KINNELON

11 HONEYSUCKLE LANE, KINNELON18 CUTLASS RD, KINNELON

6 DERRYGALLY CIRCLE, KINNELON102 FAYSON LAKES RD, KINNELON

4 LAKESIDE TRAIL, KINNELON17 CARL PLACE, KINNELON (I Listed and Sold)787 WEST SHORE DR., KINNELON/SMOKE RISE

Kinnelon/Smoke Rise Land $550,000The most beautiful level property with wonderful landscap-

ing in Smoke Rise, a very prestigious gated million dollar

community. Build your dream home. Close to north gate for

easy access. Bring your own builder or we have a builder.

In-ground pool and pool house on the property. Enjoy swim-

ming, boating, sailing, fishing, tennis, horseback riding and

fun activities all year round. Kinnelon has a top rated school

system and is only 35 miles from NYC. Gsmls# 2744081

Kinnelon $875,000“Look no further,” this is the magnificent house everyoneadmires! “Turn-key” you only need to unpack and thenrelax!! The landscaping is so lush and beautiful! A custom

home built in 2006 features 5 bedrooms and 3 and 1/2baths. A large eat-in-kitchen with maple cabinets and gran-ite countertops, chef style gas range, a center island, and alarge dining area. Open to the family room with a stonefireplace. A game room/office, a formal dining room & aliving room, the master bedroom suite offers a gas fireplaceand the master bathroom with a double sink vanity andgranite, a jacuzzi tub and a large stall shower. Large Trextype deck off kitchen, central vac, hardwood floors on the1st and 2nd levels, lawn sprinklers and ground lighting,security alarm system. For your most discerning buyer!GSMLS# 2884055

Kinnelon $999,000Elegance and comfort abound in this impeccably appointedcustom Center Hall Colonial, many updates throughout thishome. Four bedrooms, four and one half bathrooms. ”Turn-

key” formal living room, formal dining room a two storygreat room with a stone fireplace. A fabulous eat in kitchen with cherry cabinets and granite countertops, and all top of the line stainless appliances. Hardwood floors on both thefirst and seconds levels. The master bedroom suite offers asitting area with a gas fireplace and a l arge walk in closet.

A master bathroom with cherry cabinets, a granite doublesink vanity and a jacuzzi tub. A finished walk out lower level

with a kitchenette, recreation room, den and a full bath. Abeautiful heated in-ground pool and level back yard. 3 carmain level garage. You will love this home. GSMLS#2889022

Kinnelon/Smoke Rise $549,900New septic just installed! Beautiful custom CH Col. 4 BR’s & 21/2 baths in the spectacular 24 hour gated community of Smoke Rise. Many updates throughout. A spac. kit. with gran-ite counter tops and dining area French drs to a deck over-looking the beautiful level yard. The Fla rm with the brick frplis great for entertaining. DR, LR, office & laundry rm, completethe main level. 2nd level offers the master bdrm suite with a

walk in closet and a M/bath with a double sink vanity. Also 3add’l bdrms & another full bath. The lower level is perfect fora 2nd office and a rec rm area. A main level 2 car gar on1.03 acres. Close to East gate for easy access. Enjoy swim-ming, boating, fishing, tennis and horseback riding. Kinnelonoffers top rated schools only 35 miles from NYC.GSMLs#2861528

Kinnelon/Fayson Lakes $650,000 Wow! Beautiful lake front in Fayson Lakes. "A rare find".Spectacular 5 bedroom 3 full bath home on a level lot withmagnificent lake views of south lake. Enjoy fishing, boating,sailing & ice skating from your own back yard. Large spa-cious rooms throughout. Views of the lake from most of therooms. Eat in kitchen, living room, dining room and masterbedroom all have lake views. Upstairs offers a bedroom, liv-ing room, kitchenette, and a full bathroom. The walk out lower level offers a bedroom, kitchenette, recreation room,a full bath and an office with lake views. "Perfect for aninlaw suite". Close to main beach for swimming and funactivities. GSMLS#: 2900268

Kinnelon/Fayson Lakes $299,000Charm & character throughout this wonderful custom home

at the end of the cul-de-sac in Fayson Lakes close to the main

beach. A living room w/ fireplace & hrdwdflrs + large din-

ing room kitchen with separate dining area. 4 bedrooms, 2

full baths, large deck. Backs up to the woods for privacy.

Enjoy swimming, boating, fishing, and tennis in this fabulous

lake community. (Short Sale). Close to shopping and major

highways. Kinnelon offers a top rated school system and is

only 35 miles from NYC. GSMLS# 2851816

“If you are considering a move, give me a call and I will guide you every step of the way.Cell 973-714-3897. The Realtor you choose makes a BIG difference. Put my negotiation skills to work for you!!

Kinnelon $650,000Fabulous” turn-key” Center Hall Colonial, you will fall inlove with this home. Pride of ownership! Offers 4 bedrooms3 & 1/2 baths, a large eat in kitchen w/cherry cabinets,granite counter tops. The kitchen is open to the family roomfor entertaining. A formal dining room and formal livingroom with a fireplace, hardwood floors, and crown mold-ings. Laundry and 2 car main level garage. The second levelhas a very spacious master bedroom suite with 2 walk inclosets, a luxurious master bathroom and an office/sittingarea. 3 additional bedrooms and a full bath. Finished walk

out lower level is perfect for an in-law suite, with a kit., liv-ing room, bedroom and a full bath. Situated on 1.18 acres with a fenced in back yard and a above ground pool, paver walkway, newer-AC, windows, roof, deck & driveway.GSMLs# 2893310

Kinnelon/Smoke Rise $899,000MOVE IN READY!!! Exquisite New Construction Built with theFinest Quality. This home features 4 bedroom, 3 and 1/2baths and is unparalleled in every detail and amenity.

Exceptional in every way, with formal Entertaining spaces with Informal Comfort. Main level garage for your conven-ience. Gourmet Eat In Kitchen with Cherry cabinets,Granitecounter tops, center island,stainless steel appliances. Beautifultile work through out the house. Hardwood floors on the first & second levels.A very large Master Bedroom suite with a

work out room or office or nursery, two walk in closets. ALuxurious Master Bathroom with a jacuzzi Tub,large showerstall and a Granite + Cherry double sink vanity. EnjoySwimming, boating, fishing, tennis and horseback riding inthis premier gated community. Top rated school system!!GSMLS# 2916932

Visit www.KinnelonRealty.com For All Local Listings

R E N T A L

Kinnelon Ridge $1,650 monthly Wonderful light and bright 55+ condo. Featuring 5rooms, 2 bedrooms and 2 full bathrooms and washer& dryer in the unit. Kinnelon Heights communityincludes club house and exercise room. Close to shop-ping and major highways 23, 287, 46 & 80. Includesa 1 car garage.

Kinnelon/Grandview $1,375,000 A dream come true, this elegant home with 5 bedrooms and4 and 1/2 baths is absolutely stunning! Professionally dec-orated. All you need to do is unpack and relax by the heat-

ed in ground pool. Nestled at the end of a quiet cul-de-sac, with seasonal views of the reservoir. Exquisite architecturaldetail with a open floor plan for entertaining. Spacious eat in kitchen with cherry, granite and stainless steel appliances.

A 2 story great room with a gas frpl and walls of glass. Aformal dining room, a formal living room, a conservatory, aoffice and a spectacular inlaw suite with a bedroom, a liv-ing room, and a full bath. The luxurious master bedroomsuite offers a sitting area, a vanity area, walk in closet anda master bath with two vanities, a jacuzzi tub and stallshower. A w/o basement with sliding glass doors. GSMLS#2861508

L A N D

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