221657_1379071305sept 18 2013 z2
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F
all is a great time to enjoy
the great outdoors. Beautiful
fall foliage coupled withgreat weather compel many people
to spend ample time outdoors
before the arrival of harsh winter
weather drives them back
indoors. The following are a
handful of activities that are tai-
lor-made for fall.
Raking leaves: While raking
leaves might not jump out at you
as a great way to spend a nice fall
afternoon, families often find rak-ing leaves together soon turns into
a fun day in the yard. Build leaf
piles and let the kids jump in, and
then do it again.
When raking, encourage
kids to collect some colorful leaves
and set them aside. Once the rak-
ing is done, you can then enjoy
making some homemade crafts
with the leaves you and your
youngsters just collected.
Apple picking: Perhaps no activ-
ity is more synonymous with fallthan apple picking. Many apple
orchards encourage customers to
come by and pick their own apples
in the fall. Once your family and
you have scoured the orchard for
the perfect apples, relax with a cup
of warm apple cider before return-
ing home to make some home-
made apple sauce and, of course, a
delicious apple pie.
Hayride: Hayrides are another
fall tradition, and many farms offerrelaxing hayrides throughout fall.
Younger children who may tire if
asked to patrol an apple orchard
for apples might find a hayride is
more their speed. Some farms may
even allow customers to walk the
grounds and visit the animals on
Fun family activities tailor-made for autumn
Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
September 18, 2013
Zone 2, Vol. 11, No. 18
We are a Family, Friendly Publication
FALLREGISTRATION
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NOTE: To have your groups announce-ment appear in Community Happenings,
please e-mail your paragraph to [email protected].
SEPT 18
Neela Pushparaj, MD, artist and physi-cian, will be speaking about how her artdeveloped over her lifetime. Neela willbe speaking at the general meeting ofthe Greater Wayne Area Branch of the
American Association of UniversityWomen - AAUW to be held onWednesday, September 18 at 7:15pm at
Grace Chapel, First Reformed Church,529 Newark Pompton Turnpike,
Pompton Plains. This free program ispresented by AAUW Greater Wayne
Area Branch and is open to all. AAUWadvances equity for women and girlsthrough advocacy, education, philan-thropy and research. For more infor-mation about the program or AAUWvisit http://greaterwaynearea-nj.aauw.net/ or call 973-839-7343.
SEPT 20
The Knights of Columbus andColumbiettes of Bishop Navagh Council(5943) Pequannock are hosting a Fish
& Chips Dinner catered by TastefullyBritish on Friday, September 20 from
5:30- 7:30pm at the Knights ofColumbus Hall, 84 Lincoln Park Road,
Pequannock. The cost per ticket is adults$1500 per person, seniors $14.00 perperson, children 10 and under are$8.00. RSVP to Barbara 973-835-3636,Pat 973-696-2225, or Mike 973-696-0884 to reserve tickets. Chicken avail-able by advanced order only.
SEPT 22
The Montville Township Womens Clubwill be hosting Nelsons Treasure Questpresented by noted author and explor-
er, Nelson Jecas. This fund raising eventwill be held on Monday, September 22
at 2 pm at the Montville Senior Houselocated at 356 Main Road, Montville,
next to the Public Safety building.Refreshments will be served. Anyonewho brings on item that can be includedin a Kozy Kit for a homeless family will
receive $5.00 off your entrance ticket.Suggested items include a pillow, smallblanket, towels, socks, slippers, or smallstuffed animal. The ticket price is$15.00. For additional information, callJune at 973-714-1145 or Alexandria at973-405-0888.
SEPT 24The Montville Township Chamber ofCommerce is hosting its 1st Women-to-Women Chamber Networking Breakfaston Tuesday, September 24 at theMunicipal Bldg. 195 Changebridge
Road, Montville, Lobby Confe-rence Room from 8:30-10:00am.
Complimentary Continental Breakfastserved. Andrea Wasser-Malmud, MSW,CCBT, CFS, Chief Professional ServiceOfficer, NewBridge Services, Inc. willspeak about the Work-Life Challengeswomen face daily. Please invite otherwomen business associates and friends.
Register online at www.montvillecham-ber or call the Chamber office at 973-263-3310.
SEPT 27
Montville Reformed Church WomensGuild is hosting an Apple Festival onFriday night September 27 from 6:30-8pm. Come enjoy our wonderfully deli-cious Apple Crisp served with vanilla IceCream and beverage. After dinner come
for your dessert or if your dinners goingto be late, then stop in for your take out
dessert. Dont forget to stop by ourbake sale table for desserts you cantake home and enjoy. MontvilleReformed Church, Church Lane,Montville. For information call Ruth973-263-0530.
SEPT 28
The 22nd Annual Lincoln Park DayFestival organized by the Lincoln Park
Day Association will be held onSaturday, September 28, with a rain
date of Sunday, September 29.Therewill be a full schedule of fun, food, arts& crafts, entertainment, and bouncehouses, all located on Main Street,Chapel Hill Road, and Borough Field at
visit our website at www.lifeandleisurenj.com September 18, 2013Page 2, Zone 2
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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 3
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What do these years
have in common:
1987, 1990, 1994,
2000, 2001, 2002 and 2008?
Not sure? Let me ask the ques-
tion a different way. What did
these years in the stock market
do to your retirement portfolio?
Were you still working when
the markets crashed, corrected
or burned? Did you view this as
a momentary problem that
time would heal? Did you view
these years as buying opportu-
nities since the prices were on
sale by 10 percent off or more?
Did you take advantage of the
opportunity and invest heavily,
adding to your temporarily dis-
counted retirement accounts?
If not, dont you wish you did?
For some investors,
crashes, corrections and
depressions are merely a great
time to buy and invest more
for gains yet to come. For oth-
ers, these negative market
events cause stress, tension,
anxiety and high blood pres-
sure. The determining factors
of either an opportunity or
reason for alarm boil down to
just one word: liquidity!
When we work, we gen-
erate capital, creating liquidi-
ty. When we are retired, liq-uidity is severely limited or
non-existent because employ-
er based bi-weekly paychecks
no longer come in. In fact,
crashes, corrections, reces-
sions, depressions and infla-
tion are devastating to those
on a fixed income or portfo-
lio-based income stream. If
you have surplus capital, you
look forward to dips in the
markets that generate buyingopportunities. If you have no
surplus or are living on the
majority of what your portfo-
lio can safely produce, very lit-
tle good can come from falling
markets whether they are
stocks, bonds, real estate, pre-
cious metals or commodities
because you cannot afford
to participate. To risk further
decline or erosion could prove
fatal!
An analysis of the dates
reveal the following: There are
26 years between 1987 and
2013. The years chosen in my
opening paragraph represent
the seven worst performing
years of the 26-year span. That
means 27 percent of the 26
years were overtly negative,
and some people have never
recovered!
If you believe that the
stock or bond markets will
never experience a crash or
correction again, please discon-
tinue reading this column right
now and dont waste another
minute of your time. If you
Is your portfolio crash proof? By Mark Charnet
visit our website at www.lifeandleisurenj.com September 18, 2013Page 4, Zone 2
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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 5
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the Municipal Complex. Volunteers arealways welcome. Vendor space is stillavailable. Funds raised through the fes-tivities support a variety of community
improvement activities. Please visit theLincoln Park Day Associations websiteat www.lincolnparkday.org for moreinformation or to print out Flea Marketcontracts. Come support your communi-ty and celebrate a day of fun and festiv-ities with your neighbors and friends.The Suburban Womans Club ofPompton Plains is having of its AnnualGarage Sale on Saturday, September 28
from 9am-3pm at 206 Boulevard,Pompton Plains. For more information
call Ginny at 973-835-4114.
OCT 7
Montville flu immunization programannounced. The Montville TownshipHealth Department will conduct anInfluenza Immunization Program for itsresidents on Monday, October 7 at theSenior House located at 356 Main Road.The program will run from 9-11am andwill be free for senior citizens coveredby Medicare. All others will be charged
$15.00. Prior registration with thehealth department is required to ensureadequate vaccine is available and orparticipants to obtain their appointed
time range to report. Register by call-ing the health department at 973-331-3316 and have your Medicarenumber available, if applicable, andremember to wear short sleeves.
Anyone not registered can only beimmunized after all registrants have
received their vaccination.
OCT 5
Montville United Methodist Church 29Whitehall Road (Route 202), Towaco isseeking vendors for our Fall Family FunFestival on Saturday, October 5 from10am 3pm rain or shine. The FamilyFun Day will include a wide varietyof events for all ages including music, a
magic show, moonwalk, craft table,white elephant table and pony rides,scarecrow pictures, food andmore. Please call 973-316-1162 andleave message for more information.
The Montville United Methodist Churchupper room ministrys next sale willbe held on Saturday, October 5 from8:30am-12:30pm in the churchs educa-tional building 29 WhitehallRoad (Route 202) Towaco. We have alarge selection of gently used clothing
and household goods to select from. Theprofits from this sale will help local fam-ilies in need. For further information call
Whitening is not
permanent. People
who expose their
teeth to a lot of foods and bev-
erages that cause staining maysee the whiteness start to fade
in as little as 1 month. Those
who avoid foods and beverages
that stain may be able to wait
one year or longer before
another whitening treatment
or touch-up is needed.
Tips for maintaining your
newly whitened teeth include:
Avoiding the consumption of
or exposure to products that
stain your teeth. If you dochoose to consume beverages
that stain, consider using a
straw so that the liquid bypass-
es your front teeth.
Brush or rinse immediately
after consuming stain-causing
beverages or foods.
Follow good oral hygiene
practices. Brush your teeth at
least twice daily and floss at
least once daily to remove
plaque. Use whitening tooth-paste (once or twice a week
only) to remove surface stains
and prevent yellowing. Use
regular toothpaste the rest of
the time.
Consider touch-up treat-
ments. Depending on the
whitening method used, youmay need a touch-up every 6
months or after a year or two.
If you smoke or drink lots of
stain-causing beverages, you
may need a touch up more
often.
Frequently Asked Questions
Does insurance cover the cost of
whitening procedures?
No. Dental insurance
does not typically pay for the
cost of the tooth whitening
procedure.
Does teeth whiteners damagetooth enamel?
Studies of whitening
products using 10% carbamide
peroxide showed little to no
effect on the hardness or min-
eral content of a tooths enam-
el surface.
Do teeth whiteners damage exist-ing dental restorations?
Over 10 years of clinical
use of whitening products con-
taining 10% carbamide perox-
ide have not shown any dam-
age to existing fillings. The
issue is not damage to exist-
ing restorations; rather, keep
in mind that existing restora-
tions such as tooth-colored
fillings, crowns, bonding,
veneers, and bridges do not
lighten. This means that any
preexisting dental work mayneed to be replaced to match
the new tooth shade achieved
in the natural teeth, should a
bleaching process proceed.
Do teeth whiteners damage a
tooths nerve?
Theres no evidence to
date that the tooth whitening
process has a harmful effect on
the health of a tooths nerve.
One study reported that at
both a 4.5 and 7-year follow
up, no individual who used atooth whitening system need-
ed a root canal procedure on
any teeth that had been
whitened.
Dr. Peter Brusco is a 1980
graduate of The University of
Pennsylvania and has been
practicing in Kinnelon since
1982. Dr. Bruscos practice is
located at 170 Kinnelon Road,
Suite 29A in Kinnelon. Youmay reach him by calling 973-
838-5862 or visiting him on the
web at www.drbrusco.com.
Follow-Up Care By Peter Brusco, DMD
visit our website at www.lifeandleisurenj.com September 18, 2013Page 6, Zone 2
Community Happenings
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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 7
Dr. Peter Brusco, D.M.D.170 Kinnelon Rd., Suite 29A Kinnelon
973-838-5862 www.drbrusco.com
The health of your teeth and gums are important to us. We are dedicated to serve you with
courtesy, kindness, and respect. Our responsibility is to take great care of you.
Enjoy our experienced, professional team as a new patient. We listen. We care. We help.
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Dr. Brusco is a skilled, caring dentist who has served the community for over 30 years.
Prevent cavities and gum problems. Make your teeth last a lifetime.Call Today! 973-838-5862
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This fall, the Jacksonville
Chapel Sports Ministry
is bringing baseball
pitching classes to the commu-nity every Wednesday night.
Participants will practice the
basics of baseball in a clinic for-
mat with emphasis on integrat-
ing faith and character on and
off the field.
Classes are led by Mike
Warden, former All-Morris
County Baseball Player for
Pequannock High School and
All-American at Southern
New Hampshire University. Hehas coached the Teel and
Wladyka club teams and has
coached two current Major
League players. He is also an
instructor at Dichiaro Baseball
School.
Classes run Wednesdays
at the Jacksonville Chapel gym
from Sept. 11Nov 2. Children
in 2nd5th grades play 67pm
and children in 6th12th
grades play 78pm.
All children are welcome
and its recommended they
bring their own gloves. Space is
limited so register today at
www.chapelnj.org/sports or call
Kathy at the chapel office: 973-
334-6657. Jacksonville Chapelis located at 264 Jacksonville
Road in Lincoln Park.
All-American pitcher to
teach baseball clinics at
Jacksonville Chapel
visit our website at www.lifeandleisurenj.com September 18, 2013Page 8, Zone 2
PERFOR
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ARTS
ACADEMY
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Dawn La Viola-Schaub - Artistic Director
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Any questions please call:
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Has your child been diagnosed with... Cerebral Palsy
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Hypertonia (increased muscle tone)
Hypotonia (low muscle tone)
Down Syndrome
Spina Bifida
Metabolic Disorder
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Physical Therapy
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the church office at 973-334-1603.
OCT 17
Holy Spirits upcoming 18th annual
Msgr. McQuaid Golf Event will be heldon Thursday, October 17 at the BlackBear Golf & Country club in Franklin,NJ. Registration begins at 10:30am.Tee-Off is 12:30p m Shotgu nStart. 19th Hole cocktails will start at5pm and sit down dinner is at5:30pm. Special raffle for a week ofchoice in Myrtle Beach SC and a Holein One Prize from DalessioChevrolet. Cost per player is $150.00including lunch, dinner and on coursebeverages, greens fees, cart and giftbags. For information and reservationsplease call Holy Spirit School at 973-
835-5680 or 973-694-0938.
OCT 23
The Montville Township Chamber ofCommerce is sponsoring a businessnetworking event hosted by AtlanticStewardship Bank, 2 Changebridge Rd.Montville on Wednesday, October 23at 5:30pm. Bring your business cardsand join us for a Wine & Cheese
Reception: No Charge. Please RSVP byOctober 16 to Judi Rothwell at 201-444-7100, ext. 7875 or [email protected]. We hope to see youthere!
Around theCommunity...
True Vine Christian Center, located at
99 Two Bridges Road in Lincoln Parkoffers a food pantry which is open everysecond & fourth Wednesday of themonth. Remaining 2013 dates are asfollows: September 11 & 25, October 9
& 23, November 13 & 27, December 11& 19 (this is the third Wednesday sincethe forth is Christmas Day). The hoursare from 5:30-6:45pm. It is for familiesthat are in need.
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 9
Developing the Foundation for a Lifetime of School Success!
Family Owned and Operated Est. 1972
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Parenting Seminars Character Education After School Clubs
Summer CampAges 2-12 Years Daily Swimming
Lessons, Heated Pooldesigned for safety ofyoung children
Sports/Organized Games
Arts & Crafts Field Trips/Fun
Themed Days Music/Dance In House Events
Nature & Science Computers Cooking After Camp Clubs Fastrackids
Community Happenings
continued from page 6
continued on page 10
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The Barn Theatre in Montville, NewJersey is proud to open its 86thAnni ve rs ar y S ea so n w it h I raLevins chilling thriller VeronicasRoo m. P er fo rm an ce s w il l be o nSeptember 6, 14, 20, 21, 27 and 28 at8pm; and onSeptember 7, 8, 15 and 22at 2pm. Tickets are $18 (senior/studenttickets are $16 on matinees only).TheBarn Theatre is located on Skyline Drivein Montville, NJ, just minutes off Exit 47from Route 287. For more reservations,information or directions, call The Barn
Theatre box office at 973-334-9320, orvisit The Barn on the web atwww.barntheatre.org
On Wednesday, September 18, theLincoln Park Library will be hosting aprogram with local childrens bookauthor Gail Kahn-Wallis! Gail has writ-ten three picture books about a sealnamed Lucas who lives in Cape Cod. Gailwill be signing copies of her book, whichwill be available for purchase. Readingwith Ruby will be held on Wednesday,September 11 at 4:30pm. The Lego
While there are many
ways to help an
elderly loved one
do all they can to maintain
health, one of the best ways to
improve both the physical and
mental health of a senior citi-
zen is meditation. We know
that meditation can reduce
stress and help us relax, but
recent studies have shown that
meditation can also relieve
pain, reduce the probability of
heart disease and
improve creativity.
Here are some
other benefits of
meditation:
1. The deep breath-
ing exercises central
to any program of
meditation encour-
age oxygen enrich-
ment to the blood.
Senior citizens who
suffer from digestion
problems often see
immediate relief because the
oxygenation of their digest-
ive functions is empowered
through meditation. This extra
oxygen boosts the immune sys-
tem, heals the lungs and
improves circulation.
2. Meditation also causes
increased alertness and the
ability to interact with others
and surroundings. The in-
creased oxygen in the blood-
stream of the elderly user of
meditation will cause brain
functions to improve.
3. Because both the mind and
the body become more relaxed,
the mental and physical health
of the individual is improved
drastically. Seniors who suffer
from depression can benefit
from meditation. During medi-
tation, feelings of happiness are
created in the mind, which
increases daily happiness and
satisfaction.
4. Meditation improves physi-
cal energy, making the senior
years just as rewarding as other
life phases. Meditation is also
easy to learn and requires no
certain religious affiliations.
The fact that meditation is
flexible and easy to do makes it
a great choice for everyone,
quickly enriching the lives of
seniors.
5. A study, published in the
Journal of Brain, Behavior &
Immunity, shows that eight
weeks of training in mindful-
ness meditation is linked with
decreased loneliness. Aside
from alleviating loneliness,
mindfulness meditation has
also been shown in past
research to have positive
effects on the brain linked
with brain changes that may
even have effects against
mental illness.
Sonia Scott is the owner of Dor-
son Home Care, a full-service
home health care agency provid-
ing families throughout northern
and central New Jersey with
compassionate home care services
since 1989. For more informa-
tion, visit www.dorsonhome-
care.com or call 973-672-7691.
Top five benefits of meditation forsenior health
visit our website at www.lifeandleisurenj.com September 18, 2013Page 10, Zone 2
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Community Happenings
continued from page 9
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Club will meet on Thursday, September26 from 67:30pm. There are three sto-rytime sessions available at the Library:Toddler Time (ages 2-3, Tuesdays at11am); Storytime! (ages 4-6, Tuesdaysat 4:30pm); Rhyme Time (ages 6-20months, September 19 & 26 at10:30am). On Wednesday, September25, drop in any time between 4:30 and5:30pm for Make it Yourself, a specialcraft program. More detailed informa-tion on all of the Librarys programs canbe found on our website: www.lincol-
nparklibrary.org.Ladies, come and relax and find inspi-ration, renew your faith, and be empow-
The break-even point
in your business is
where all direct and
indirect costs have been met.
You are neither making nor
losing any money. The break-
even point can be measured
in number of units sold, dol-
lars of total sales or possibly
hours billed out.
To calculate your
breakeven point, you must
first determine your direct
(variable) and your indirect
(fixed) costs. Direct costs
vary with the number of
units sold. For every unit you
sell, you must buy another set
of the components. Your
indirect costs dont normally
vary for a given volume of
business. Your gross profit per
unit (sales less direct costs,
known as the contribution
margin) goes toward paying
for these indirect costs. Once
the indirect costs have been
paid, you have reached the
break-even point. The gross
profit from every unit sold
over the break-even point
goes to the bottom line as
profit.
To simplify this exam-
ple, lets assume that you run
a food stand that sells only
hamburgers. For every burger
you sell, you need to buy
meat, a bun, trimmings, and
a paper serving plate.
Assume your burger sells for
$6 and the total of the direct
costs is $2 per burger. This
means that you have a con-
tribution margin of $4 to go
toward fixed costs.
Your fixed costs include
such things as rent, insur-
ance, advertising, taxes and
so on. Within limits, selling a
few more burgers will not
cause these expenses to
increase. If your total fixed
costs are $100 a day, your
breakeven point is 25 burgers
or $150. Once you pass 25
burgers, $4 from each addi-
tional sale goes to your bot-
tom line as profit.
For assistance in deter-
mining your break-even
point and its effect on your
profitability, give us a call.
Robert P. Sokoloff, CPA & As-
sociates, PC is a full-service ac-
counting firm serving clients
throughout Northern New Jer-
sey area, dedicated to providing
our clients with professional,
personalized services and guid-
ance in a wide range of financial
and business needs. We are cur-
rently accepting new clients and
can be contacted with any of
your tax or business needs at
973-633-1001 or rps@cpanew-
jersey.com. Visit our website at
www.cpanewjersey.com.
Every business has a break-even point: whats yours?
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 11
Welcome Dental Exam $95Includes Complete Set of X-Rays and
Oral Cancer ScreeningNew Patients Only
HIGHEST PRICESPAID ON THE SPOT
Paragon Jewelers
Record High Gold Prices
Sell The Gold Jewelry
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We Also Buy Sterling Silver & Coins
Rt. 23 N. & Jackson Ave.Pompton Plains
In The A&P Shopping Ctr.Next To Home Goods
& T.J. Maxx
973-839-0611Open Tues.-Fri. 10-6, Sat. 10-5
Gold Now $1,375 oz.
Community
Happeningscontinued from previous page
continued on page 18
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Ahealthy pet is a happy
pet and responsible
pet owners know that
their beloved pets health rests
largely on their shoulders.
Ensuring a pet is healthy over
the long haul can be quite sim-
ple. While some pets may
develop medical conditions
that require more attention,
the following are a few simply
ways pet owners can keep their
pets healthy.
Dont skip visits to the
veterinarian. Unlike humans,
pets cant speak for themselves,
so its quite possible that a pet
could be hurting or dealing
with a medical condition while
its owner has no idea. Annual
veterinary checkups can help
avoid such situations, and the
vet might notice a developing
condition before it becomes
anything serious. If a pets
behavior suddenly changes,
schedule a veterinarian visit as
soon as possible, as this behav-
ioral change could be indica-
tive of a medical issue.
Prioritize vaccinations.
Vaccinations can protect a pet
from a host of ailments, includ-
ing rabies, distemper and Lyme
disease. New pet owners who
adopted a pet from a rescue
organization should get docu-
mentation about the animals
past vaccinations. (Certified
kennels typically provide such
documentation at the time of
adoption.) If there is no such
documentation or if there are
documents showing the pet
received certain vaccinations
but not necessarily all of its
vaccinations, take the pet to
the veterinarian and have the
animal receive those vaccina-
tions that arent documented.
Spay or neuter the pet.
The ASPCA notes that spay-
ing or neutering a pet is a pre-
ventive measure that can help
a pet in the long haul. Spaying,
or removing the ovaries and
uterus of a female dog or cat,
can prevent diseases, such as
breast cancer and pyometra, as
well as infection and keep the
animal from going into heat.
Neutering a male dog or cat
before it reaches six months
can reduce the likelihood that
the animal will behave aggres-
sively, while helping to prevent
testicular cancer, diseases of
the prostate and hernias.
Help the pet fight heart-
worm. Heartworm isnt easy to
treat, but it is easily
prevented. Cat ow-
ners should speak to
their veterinarian
about heartworm
and the best course
of action, as cats are
less likely to devel-
op heartworm than
dogs, who are natu-
ral hosts for the
infection. Dogs should be test-
ed for heartworm annually in
the early spring, and the veteri-
narian might prescribe a pre-
ventive medication the dog
will take once per month. How
long the dog must take the
medication depends on the
dog and the veterinarian, but
dog owners should heed the
vets advice.
Get your pet off the
couch. Humans should not be
couch potatoes and neither
should their pets. Regular
exercise burns calories while
increasing muscle mass
and improving cardiovascular
strength. Dog owners should
know that how much exercise
their dog needs depends on its
breed, age, sex and physical
condition, so discuss a proper
exercise regimen with your
veterinarian. Cats need exer-
cise, too, and cat owners
should also discuss the specifics
with their vet.
Brought to you by Dr. Matthew
Krupnick, the owner of the Pe-
quannock Animal Hospital. He
grew up in Kinnelon and is hap-
py to be home with his wife,
three cats and two dogs to
provide quality and compassion-
ate care for your pets in the com-
munity. The Pequannock Ani-
mal Hospital is located at 591
Newark Pompton Turnpike in
Pompton Plains. You can reach
them at 973-616-0400.
Simple tips to keep your pet healthy
visit our website at www.lifeandleisurenj.com September 18, 2013Page 12, Zone 2
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.
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OpenSaturdays
www.PequannockVet.com
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hold to the belief that the mar-
kets comprising the holdings in
your retirement portfolio may
go into negative territory at any
time, exacerbated by the
monthly withdrawals that must
continue to support you and
your spouse for the rest of your
life, please invest a few more
moments of your time reading
to the end, for your own eco-
nomic benefit.
Is your retirement portfo-
lio crash proof? In other words,
will your income stream be
uninterrupted if the markets
fell 40 percent in a year? Would
your level of income be free
from decline? Would you be
able to access your portfolio in
the event of an emergency to
grab a large sum of capital on
demand? If you or your spouse
entered a nursing facility,
would your income be satisfac-
tory to handle the additional
costs while still being able to
maintain your household? Is
your portfolio designed to pay
you a stable income for the rest
of your life, even if the IRS says
your IRA must be depleted as
you age? What about a legacy
for your children? Will they
receive anything from your
estate? Is it guaranteed?
Though the federal estate
tax bracket has been fixed at
$5,250,000, NJ continues to
hover at $675,000. This means
if your estate, counting your
home, exceeds that amount,
taxes will have to be paid! Are
you prepared to take care of this
mandated reduction in your
bequest to them?
Here are the nine points I am
making:
1. I insist on a guaranteed rising
income for the rest of my life,
and my wifes, when we stop
working.
2. I demand long-term care
portfolio protection to insure
the integrity of my assets and
income.
3. I require that my portfolio be
designed with the least amount
of governmental intrusion
(taxes) as possible.
4. I desire to leave the greatest
sum we possibly can to our
favorite charities (our four
children) when my wife and I
are gone.
5. I must have protection from
stock and bond market losses,
so that my income and insur-
ance programs put in place will
not be compromised when the
negative market years occur.
(And occur they will).
6. I mandate that during rising
markets my portfolio will be
able to capture the high val-
ues to reset my lifetime income
stream, which will never
retreat, upward.
7. I need the flexibility and liq-
uidity to make adjustments as
necessary when situations arise.
8. As part of my retirement
plan, I have documents in
place that designate my execu-
tors, trustees, power of attorney,
health proxy and living will
advocate.
9. My plan must include funds
for entertainment value that
are disposable and discretionary
(e.g. Vegas, travel and gift-
ing).
This is how my personal
retirement and estate plan is
designed and how I practice the
7 Ps: Proper Prior Planning
Prevents Poor Performance
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 13
If interested in participatingor for additional inquiries, please contact:
Recruiting(973) 808-7363 ext. 248 or 276
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Is your portfolio crash proof?
continued from page 4
continued on page 27
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visit our website at www.lifeandleisurenj.com September 18, 2013Page 14, Zone 2
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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 15
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Home may be where
the heart is, but it
also can be an unsafe
place if safety hazards are not
recognized and addressed.
The Consumer Product
Safety Commission says that
each year 33.1 million people
are injured by consumer prod-
ucts and other dangers in the
home. Here is a collection of
home hazards that can com-
promise safety in and around
the house.
Flooding: Super storms have
been wreaking havoc on
many areas of the country.
Flooding is a common side
effect of strong rains and high
tides, and the aftermath of a
flood can turn a home from
a haven into a hazard.
Microorganisms in flood
waters may contaminate
drinking water, and wet walls
and floors can present a
breeding ground for insects,
pests and microorganisms like
mold and mildew. The
National Safety Council says
microorganisms can penetrate
into soaked, porous materials
and later be released into the
air and inhaled. Flooding also
may lead to weakened or rot-
ted floorboards.
Magnets: Very small magnets
are popular in jewelry, toys,
building sets, and more. The
number of products with strong
magnets has increased, which
may pose significant safety
threats to children. The CPSC
says that magnets have con-
tributed to one death and 86
injuries since 2005. Eight mil-
lion magnetic toys have been
recalled. Magnets that are swal-
lowed may not pass easily
through the digestive system.
Oftentimes, they can get
trapped in place when attract-
ed to one another or a piece of
metal and pinch or twist the
intestines, potentially causing
blockage or infection.
Furniture tip-over: Large
furniture and electronics that
are not balanced well or
anchored to a wall can be
pulled over by children and
even adults. Small children
can be seriously injured by
tip-over accidents. Tip-overs
cause an estimated 22 deaths
per year.
Pools and spas: While drown-
ing in pools and spas is a lead-
ing cause of death, there are
other dangers lurking. Faulty
underwater lighting, appli-
ances that fall into the water
and aging wiring can result in
electrocution. The CPSC
notes that suction from a pool
or spa drain is also potentially
hazardous. The majority of
suction accidents involved
children, but suction can hold
an adult underwater. There
have even been cases of peo-
ple being disemboweled from
pool drains. Installing a safety
vacuum release system that
turns off the pool pump when
a drain is blocked can prevent
entrapment.
Fire: Home fire injuries are
highest among seniors and
children under the age of five.
In addition, home fires are a
leading cause of emergency
room visits. Smoke alarms on
every level of the house can
alert to danger, but ensuring
candles are extinguished and
electrical wiring is up to date
visit our website at www.lifeandleisurenj.com September 18, 2013Page 16, Zone 2
Recognizing safety hazards around the house
continued on next page
i it b it t lif dl i jSeptember 18 2013 Zone 2 Page 17
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and making sure space heaters
and other appliances are not
left unattended can help pre-
vent fires.
Garage doors: The CPSC
says an average of 20,000 peo-
ple each year are treated in
the hospital for injuries
caused by garage doors. From
fingers and toes getting
trapped to heavy doors falling
on children and adults, garage
doors can cause serious injury.
Falls: Falls are a leading cause
of injury to people of all ages.
Falls down stairs, from win-
dows and off of ladders are
just some of the reasons peo-
ple visit emergency rooms
each and every day. Ensuring
there are no tripping hazards
around the house and also
having sturdy handles and
guardrails present for use by
the elderly can help prevent
some falls.
There are many dangers
lurking around the house, and
awareness of such hazards can
help prevent serious injury.
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 17
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Recognizing safety hazards around the house
continued from previous page
visit our website at www lifeandleisurenj com September 18, 2013Page 18, Zone 2
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ered. Come to our 11th annual
Womens Retreat and be uplifted and go
deeper with solid Bible teaching andcompelling messages. Friday,
September 20 at 7 pm and Saturday,
September 21 from 9am-3pm at FirstReformed Church 60 Chapel Hill Road,
Lincoln Park. Via DVD the followingWomen of Faith speakers are: PatsyClairmont, Angie Smith, Sheila Walsh, &Marilyn Meberg. Angela DiPrima willjoin us again to lead us in song. A com-plimentary luncheon will be served atchurch on Saturday. There is no charge
for the retreat, but a free-will offeringwill be received. Please register by call-
ing Barbara at 973-839-6384 or onlineat www.frc-lpnj.orgWhether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man isa Christian ministry dedicated to help-
ing veterans find peace with themselves
and the world around them. If you are
doing fine after t he war, thats fantasticbut dont forget about your buddieswho are still suffering. Find out howyou can help. Call Barry Jensen at 973-809-9665. Point Man Ministries meetsthe first Thursday of every month from7:30 9:30pm at Cornerstone Chapel
620 Route 23 North, Pompton Plains.The Montville Township Womens Club
has an ongoing project: comfort pil-lows for breast cancer patients. A teamof club members, seniors, and volun-teers from surrounding cities partici-pates in this worthy project. Even heartsurgery patients have found use forthese comfort pillows. Call ChairpersonAlexandria Sarra at 973-405-0088 formore information. All monetary dona-tions, used to purchase polyfill for thepillows, should be made payable toMTWC and should indicate Comfort
Pillow in the memo. Please mailchecks to P.O. Box 267, Montville, NJ07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-
ing moms. It features monthly meet-ings, playgroups, mom-and-tot outings,mom-night-outs, and much more.Members are from Wayne and all sur-rounding towns. Monthly meetings areon the first Monday of each month(unless a holiday) at 7:30pm at Our
Savior Lutheran Church, 670 NewarkPompton Turnpike, Pompton Plains.Prospective members are always wel-comed. For more information call 877-221-1581 or e-mail [email protected] provide a supportiveenvironment to improve public speak-
ing and leadership skills. We meet thefirst Wednesday of each month atHollywood Restaurant & Pizzeria, 376Fairfield Road, Fairfield from 7-9pm
Guests are welcomed. For more infor-mation, visit www.diningtospeak.com.
visit our website at www.lifeandleisurenj.com September 18, 2013Page 18, Zone 2
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Community Happenings
continued from page 11
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visit our website at www.lifeandleisurenj.comp , , g
visit our website at www.lifeandleisurenj.com September 18, 2013Page 20, Zone 2
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the premises.
Hiking: Hiking is a fun
activity that can be enjoyed
nearly year-round, but its
especially enjoyable in the
fall. Thats because few
things in nature are as capti-
vating as a park or forest
when the fall foliage is in full
bloom. Early fall also boasts
ideal temperatures for hiking,
as the mercury likely wont
rise enough or sink low
enough to produce the kind
of extreme temperatures that
can compromise a hikers
afternoon. Instead, fall tem-
peratures tend to be mild and
comfortable, allowing hikers
to fully enjoy their often
beautiful surroundings.
Corn maze: Visiting a corn
maze is another activity that
many people instantly associ-
ate with fall. Some farmers
transform their cornfields
into corn mazes once the
temperatures dip, and such
mazes can be fun for adults
and children alike. Though
adolescents can often be
trusted to find their waythrough corn mazes, younger
kids should be accompanied
by an adult.
Pumpkin picking: Much
like apple picking is best in
fall, so is pumpkin picking.
Rather than buying your
Halloween pumpkin from the
grocery store, where your
options may be limited, go
straight to the source and
pick your future jack-o-
lantern from a nearby pump-
kin patch, which will provide
a much wider selection. Let
your youngsters pick their
own pumpkins and then
spend the rest of the day
carving them at home. And
dont forget to save those
seeds, which can be roasted
over an open flame to make a
delicious snack.
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Call to schedule acomplimentary consultation:
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Explore what is workingand what is not
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continued from page 1
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 21
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6 ounces thickly sliced
bacon, coarsely chopped
1 large red onion, finely
chopped
1/4 cup finely chopped celery
15 ounces frozen corn,
thawed (3 cups)
3 cups whole milk
1 pound red potatoes,
scrubbed and cut into
1/2-inch dice
1/2 cup heavy cream2 tablespoons minced
chives, plus more for
garnish
Salt and freshly ground pepper
Tabasco
1/2 pound medium sea
scallops
In a large saucepan, cook
the bacon over moderately
low heat until crisp, 10 min-
utes. Transfer the bacon topaper towels to drain. Pour off
2 tablespoons of the bacon fat
and reserve. Add
the onion and
celery to the pan.
Cook over low
heat until soft-
ened, 12 min-
utes.
Meanwhile,
in a food proces-
sor, puree 1 cup
of the corn with
1 cup of the milk.Add the corn
puree to the
saucepan along with the
remaining 2 cups each of corn
and milk and the potatoes.
Simmer over low heat until
the potatoes are tender, about
20 minutes. Stir in the cream,
chives and the reserved
bacon. Season with salt, pep-
per and Tabasco and keep
warm.In a large skillet, heat the
reserved 2 tablespoons of
bacon fat until shimmering.
Add the scallops, season with
salt and pepper and cook over
moderately high heat until
browned, about 1 1/2 minutes
per side. Ladle the soup into
bowls; top with the scallops
and chives and serve.
Make Ahead The recipe
can be prepared through Step2; refrigerate overnight.
Corn Chowder with Bacon and
Sea Scallops
j
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com
RESTAURANT
z2
MUST PURCHASE A BEVERAGE WITH EACH MEAL .
DINNER ONLY INCLUDES SOUP OR SALAD.
MONDAYSATURDAY
CASH ONLY. CANNOT COMBINE WITH OTHER OFFERS. NOT VALID ON
HOLIDAYS. Coupon must be presented before ordering. Not valid on parties 6 or more.2 Meals per coupon. Expires 10/16/13.
*
Strip SteakNShrimp ScampiWITH BAKED POTATO FOR A LIMITED TIME
--- NO COUPONS ---
$1499+tax12OZ.
LUNCH DINNER
$699 $1299Veal Parmigiana Fried Shrimp Platter
Chicken, Shrimp or Sole Francaise
Chicken or Shrimp ParmigianaHomemade Meatloaf w/Mashed Potatoes
Meatball & Sausage Vodka Sauce over Ziti.
* *
Fresh seafood, the finest quality meats, seasonal ingredients and a chef whoensures every course is prepared to perfection. Thats our recipe for success.
49 MAIN STREET | BLOOMINGDALE
973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am
DAILY LUNCH BUFFET $6.95& Full Menu with Specials
Restaurant & Fine Catering Catering For All Occasions, On & Off Site Gift Certificates Available Take-Out Full Bar
ATouchOfItalyInBlo
omingdale
A Warm, Elegant & Engaging Atmosphere
LinasA Touch Of Italy In Bloomingdale
of course!
WE WILL BE OPENFOR PRIVATE PARTIES ON
MONDAYS & TUESDAYSvisit us on facebook
www.linasristorante.com
CUSTOMERAPPRECIATIONNIGHTEvery Wednesday & Friday
4PM-11PM
50% OffEntire Check18% Gratuity added to total bill.
Not valid with any other offers.
CASHONLY
Ensurethe Perfect Date
for YourSpecial Occasion...
Book Now!
Since 1983
visit our website at www.lifeandleisurenj.com September 18, 2013Page 22, Zone 2
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ACCOUNTING SERVICESVincent Gallipoli
Certified Public AccountantPO Box 561, Pompton Plains, NJ
07444973-616-9748
AIR CONDITIONING / HEATING
SYSTEM SERVICES
Stephen MangeriSM Heating & Air Conditioning, Inc.
NJ Lic #13VH02620300
smheatingandair.com
Reliable Service That You Can Trust
ATTORNEYFredric F. Azrak, Esq.
Azrak & Associates, LLCAttorneys at Law
627 Newark Pompton TpkPompton Plains, NJ 07444
973-839-9062azraklaw.com
[email protected] & Integrity for over 38 years
AUTOMOTIVE REPAIRS
John NapolitanoPry AutomotiveButler, NJ 07405973-838-1656
CHIROPRACTORDonna Perillo, MS, DC,
DACBSP, DCBCN, NMD, CNSNJ Total Health Center
Pompton Plains, NJ 07444973-872-2133
CLEANING SERVICESRonald A. Denequolo
Magic Cleaning Concepts, LLC
Pequannock, NJ 07440
973-694-6611
magiccleaningconcepts.com
DENTIST
BrianMarino, DMD
Pequannock Valley Dental Assoc. P.A.
Pompton Plains, NJ 07444
973-831-0444
pvdentalassociates.com
ELECTRONIC OFFICE SYSTEMS
Chris Lagreca, Sales ConsultantElectronic Office Systems
Fairfield, NJ
973-808-0100
973-882-2882 fax
eosnj.com
INSURANCE AUTO, HOME
Jim Murasko, LUTCF
Allstate New Jersey Insurance Company
Exclusive Agent
The Murasko Agency, LLC
Bloomingdale, NJ 07403
973-492-2200
INSURANCE LIFE, DISABILITY,
LONG TERM CARE & SMALL
BUSINESS GROUP BENEFITS
Thomas J. Cleeland CLTC,LUTCF
Allstate Financial Services
Westfield, NJ 07090
908-301-0711
allstate.com/tcleeland
IT/COMPUTER SERVICESKen Ginefra, PresidentGCS Consultants LLC
170 Kinnelon Road, Suite 16Kinnelon, NJ 07405
gcsconsultants.com
JEWELRYDenise Holleritter,
Independent DistributorPremier DesignsOak Ridge, NJ973-697-4227
MARKETING CONSULTINGAdam S. Wolf
PresidentCellCon ConsultingWest Orange, NJ973-736-3001
MARY KAYMary Hart
Independent Beauty ConsultantPompton Plains, NJ 07444
973-835-2439marykay.com/mary.hart
MEDICALLABORATORY
Everest Medical LaboratoryNo Wait BloodworkTom Bellas
142 Route 23 North, Pompton Plains, NJ973 646-7490
MORTGAGESEdward Morba, President
Family Home Funding CorpKinnelon, NJ 07405
973-283-8111 [email protected]
familyhomefunding.com
PAYROLLPaychex
Scott Lemly
Small Business Consultant
Fairlawn, NJ
201-796-2111 x58446 ph
877-282-3175 fx
paychex.com
PERSONAL
TRAINER
Geri McGurk, BS, NASM, CPT, CITS, Owner
High Definition
Personal Training Center
Wayne, NJ 07470
973-784-3381HDPTC.com
PRINTING
Bob Carroll
Printcbf
Cedar Knolls, NJ
973-682-9000 x107 973-682-9559 fx
printcbf.com
PROMOTIONAL ITEMS
Carol Nash
Dash of Nash Promotions
Kinnelon, NJ
973-492-2432 973-492-2433 fx
PROSTHETICS &
ORTHOTICS
Brooke Artesi, CPO, LPO, CMF
Sunshine Prosthetics & Orthotics
Wayne, NJ
973-696-8100
973-696-8101 fx
sunshinepando.com
REAL ESTATE RESIDENTIAL
Linda Lee Sokerka
Coldwell Banker
Residential Real Estate
973-838-9300 973-768-2717
Your Perfect Home Is Waiting!
I Can Help You Find It!
TRAVEL
Joanne Hunt
Pompton Plains Travel
142 Route 23 North, 2nd Floor
Pompton Plains, NJ 07444
973-831-1114 [email protected]
pomptonplainstravel.com
VOICE & DATA SOLUTIONS
Richard Gail
Sales Manager
D&D Communications
355 Warwick Turnpike
Hewitt, NJ 07421
973-506-7435
www.ddcommllc.com
WEBSITES/SEO
Bob Lee
ASA Marketing LLC
973-750-8670
asamarketing.net
Mobile Marketing/Websites
WINDOW CLEANING
Joe LaFergola
Fish Window Cleaning
Riverdale, NJ 07457
973-831-2300
fishwindowcleaning.com/697
Networking Group
Visit Our Website for Detailed Information and Discounts/Promos
@ www.NJNetworkingGroup.com/life
BU
SIN
ESSTO
BUSINESS
HIGH DEFINITIONPersonal Training Center
The minute you step through the doors at HIGH DEFINITIONPersonal Training Center, youll know that its very special.
As you watch the nationally certified trainers interact with their clients in
this the highly professional, yet warm environment, youll see how
individualized the training is.
Each session is unique, challenging, and purposeful to keep the client
motivated and on course to safely accomplishing their goals.
Unlike general membership gyms, there is no initiation
or monthly membership fees.
Programs include weight-loss, strength and conditioning,
sports performance, post rehab and osteoporosis training.
We are members of the Professional Golf Fitness Association, and offer
All-Season Conditioning for the golfer.
Our senior fitness program develops strength, balance, and agility helping to
prevent injuries resulting from falls while keeping seniors active and healthy.
High Definition can also help you with an employee wellness program.
Gift Certificates Available.
Please call 973 784-3381 to arrange a visit and consultation.
HIGH DEFINITION Personal Training Center1700 Route 23 North (Oak Hill Park), Suite 110
Wayne, NJ 07470 www.HDPTC.com
Mary Kay CosmeticsMary Hart - Independent
Personal Beauty Consultant
Let me help bring out your inner beauty!
I offer complimentary skin care facials using top
quality skin care products. I am proud to work for a
cosmetics company with a strong resume including
the Good Housekeeping Seal of Approval for the
Time Wise Anti-Aging Line and the honor of being
the #1 Skin Care Company for the past 13 years.
We are number 1 in customer loyalty and stand
behind all of our products with 100% satisfaction
guarantee. Call to arrange a consultation
appointment to try before you buy.
Shop online 24/7 with me on my personal website.
Mary Hart118 W. End Avenue
Pompton Plains, NJ 07444973-835-2439 201-774-7328
[email protected]/mary.hart
D&D COMMUNICATIONSD&D Communications is a leader in the communications
industry and our common sense approach to
telecommunications has empowered businesses of all
sizes (small, medium and large) to take advantage of the
exciting changes brought about by the latest technologies.
Partnering with companies such as Avaya, Toshiba,
Cablevision, Comcast and others, we bring the best in
class solutions to your company. Whether youre in need
of a new phone system, phone service, security system,
cabling for a new location, wireless system or simply
improving your companys communications system,
D&D has a solution for you.
Dan Rosenrauch ACIS
D&D Communications355 Warwick Turnpike
Hewitt, NJ 07421973-506-7435
www.ddcommllc.com
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 23
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SMARTER. BOLDER. FASTER.
Make your first choice the right choice. Call Danielle today at 973.460.4352
142 Route 23 NPompton Plains, NJ 07444
www.daniellefiorina.com Office: 973.646.7440
Exceptional Full
Service...Qualitythat Matters.
NJAR Circle of Excellence Award 2006-2012
Presidents Producer Award 2012
DANIELLE FIORINAREALTOR
, ABR
HOMES ARE SELLING & BUYERS ARE BUYING!
TOP PRODUCER
Advertising on over 170 websites
Direct access to all real estate listings Short Sales & Foreclosure Certification
POMPTON PLAINS $214,900
POMPTON PLAINS$799,900
PEQUANNOCK$619,900
LINCOLN PARK $379,900
WAYNE $949,000 LINCOLN PARK $259,900
ToFindOutMore...
CallDanielleToday!
973.460.4352
POMPTON PLAINSCALL FOR DETAILS
LINCOLN PARK$359,900
LINCOLN PARK$364,900
LINCOLN PARK$699,900
Address Beds Baths Style Original Price Reduced To Sale Price % of OP4 Elmwood Ave 3 1 Tudor 299,999 189,000 190,000 632 Romondt Rd 4 1.5 Colonial 222,000 222,000 10039 Madison St 3 2 Colonial 239,500 215,000 89149 Lincoln Pk Rd 4 1.5 Cape Cod 249,900 230,000 9278 Madison St 4 3 Colonial 260,000 260,000 10010 Riverside Dr 3 2.5 Colonial 279,000 265,000 95
30 W Franklin Ave 3 1 Ranch 285,900 275,000 969 Center St 2 1 Cape Cod 300,000 285,000 9569 Hopper Ave 2 1 Ranch 359,900 324,999 310,000 8630 Cooper Rd 3 2 Cape Cod 350,000 395,000 10033 Third St 4 2 Cape Cod 369,900 365,000 9813 Garden Pl 4 2 Colonial 375,000 375,000 1009 4th St 4 2 Cape Cod 399,900 395,000 99605 Chatfield Dr 3 2.5 Townhouse 409,900 399,000 974 Chestnut Ct 3 1.5 Colonial 419,900 410,000 9727 Hopper Ave 4 2.5 Colonial 434,900 417,500 9617 Cameron Ave 3 2 Colonial 445,000 435,000 9710 Ackerson Ave 4 2.5 Split Level 495,000 507,000 100
25 Munson Dr 4 2.5 BiLevel 529,321 499,000 517,000 97
140 DeHart St 3 2 BiLevel 109,000 60,000 5537 Toms Point Ln 2 1.5 Townhouse 239,000 205,000 190,000 79314 Boonton Tpke 3 1 Cape Cod 209,000 185,000 88145 Stonyridge Dr 3 1.5 Condo 224,900 225,000 10058 Main St 2 2 Ranch 250,000 237,500 9513 Homestead Ln 2 2 Condo 250,000 236,000 94154 Harvest Ln 2 2 Condo 264,900 251,000 955 Samuel Ct 4 1.5 Split Level 280,000 280,000 10010 Cambridge Ct 3 2.5 Townhouse 329,900 319,900 307,000 9315 Crefeld Ct 3 2.5 Duplex 329,900 325,000 316,000 9624 Evergreen Dr 4 1.5 BiLevel 334,900 337,000 1004 Kevin Rd 2 2.5 Townhouse 354,900 349,900 335,000 9416 Madison St 4 2.5 BiLevel 374900 350,000 93
PEQUANNOCK TWP. JULY 2013 TOWN SALES
LINCOLN PARK JULY 2013 TOWN SALES
10+ ACRES
visit our website at www.lifeandleisurenj.com September 18, 2013Page 24, Zone 2
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Century 21 Crest Real
Estate is proudto announce that
Colleen A. McMahon is
ranked second among real-
tors in New Jersey and
Delaware. McMahon is also
ranked No. 95 nationally
with Century 21 Real Estate,
LLC individual producers.
Colleen possesses a
tireless dedication to helping
home buyers and sellers make
informed real estate deci-sions and that is what why
Colleen is the second
Century 21 realtor in New
Jersey and Delaware, said
Century 21 Crest Real Estate
broker and owner Patricia R.
Wojtyszyn. She truly under-
stands what it means to be a
real estate professional and is
an example from whom we
can all learn something.
Its my great pleasure tobe among such talented and
dedicated group of real
estate professionals, said
McMahon. The unwavering
support of my family and my
colleagues at Century 21
undoubtedly helps me con-
tinue to help customers real-
ize their real estate dreams.
McMahon has been
with Century 21 Crest Real
Estate almost 20 years.Awards and designations
include: New Jersey Assoc-
iation of Realtors Distin-
guished Sales Award,
Accredited Buyers Repre-
sentative ABR, Century 21
Centurion Award Winner
(2005), New Jersey Assoc-
iation of Realtors Circle of
Excellence Award (1999-
2012), Silver (2012), certi-
fied member of VIPRelocation Service, certified
member of Mature Moves,
certified New Construction,
graduate Realtor Ethics
Training, certified short sale
foreclosure.
She is a member of the
National Assoc iation of
Realtors, the New Jersey
Ryan Barry
Mortgage BankerNMLS# 183464
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
[email protected] by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012
CENTURY 21 CREST REAL ESTATE, INC.142 Route 23 North, Pompton Plains, NJ 07444
(973) 686-1500 (800) 950-5021
OWN THESE HOMES FOR...To Qualified Buyers.
Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR basedon a 740 credit score as of September 9, 2013. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and termsare subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ , NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.
The Housing Market isHOT!!!Know your buying power BEFORE beginning your home search
Call today for a FREE Mortgage Pre-qualification
BELLEVILLE $299,000
$1,230 per month30Yr Fixed w/0 points. 4.625/4.735% APR
WEST ORANGE $225,000
$925 per month30Yr Fixed w/0 points. 4.625/4.765%APR
LINCOLN PARK $175,000
$720 per month30Yr Fixed w/0 points. 4.625/4.800% APR
LINCOLN PARK $189,000
$777 per month30Yr Fixed w/0 points. 4.625/4.788% APR
LINCOLN PARK $259,900
$1,069 per month30Yr Fixed w/0 points. 4.625/4.749% APR
LINCOLN PARK $364,900
$1,501 per month30Yr Fixed w/0 points. 4.625/4.719% APR
POMPTON LAKES $180,000
$740 per month30Yr Fixed w/0 points. 4.625/4.796% APR
POMPTON PLAINS $320,000
$1,316 per month30Yr Fixed w/0 points. 4.625/4.729% APR
BLOOMINGDALE $144,321
$594 per month30Yr Fixed w/0 points. 4.625/4.714% APR
CEDAR GROVE $549,500
$2,293 per month30Yr Fixed w/0 points. 4.75/4.820% APR
PEQUANNOCK $619,900
$2,587 per month30Yr Fixed w/0 points. 4.75/4.815% APR
POMPTON LAKES $269,900
$1,110 per month30Yr Fixed w/0 points. 4.625/4.745% APR
WANAQUE $199,900
$822 per month30Yr Fixed w/0 points. 4.625/4.780% APR
HASKELL $319,000
$1,312 per month30Yr Fixed w/0 points. 4.625/4.730% APR
WAYNE $949,000
$3,960 per month30Yr Fixed w/0 points. 4.75/4.800% APR
POMPTON PLAINS $1,299,321
$5,501 per month30Yr Fixed w/0 points. 4.875/4.918% APR
Colleen McMahon Listings2012 Circle of Excellence Silver2012 Master Emerald Producer
2012 Quality Service Pinnacle Producer
Cell: 973-214-5250
August Listings
Kelly Titus SalesRealtor Salesperson
Member NAR, NJAR, PCBOR, GSMLS
Cell: 973-417-0793
August Sales
Colleen A. McMahon recognized as No. 2 realtor in NJ and DE
continued on next page
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 2, Page 25
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Do you have any strate-
gic alliances withaffiliated businesses?
These are businesses that are
complimentary to your busi-
ness. Examples of complimen-
tary businesses include plumb-
ing, electrical, carpentry,
HVAC, landscaping, win-
dows, furniture, doors, paving
and concrete. Each of these
companies comes across two
to five sales leads every
month. If not, they are notnetworking or asking the
questions. You should have a
list of at least 25 other compa-
nies that you refer business to,
and that refer business back to
you. And youd better be
tracking both.
By bringing other con-
tractors to your customer, you
are insulating yourself against
competition. If I were an elec-
trician and brought a plumberto my customer, the last words
out of my plumber to my cus-
tomer better be, I know
another electrician.
What about competitive
businesses? Have any alliances
with them? Yes, your competi-
tors. Some competitors are
really nice people! I have sev-
eral electrical contractors that
are friendly competitors. They
have signed agreements not totry to take each others cus-
tomers. They
share employeeswhen they can,
which is better
than hiring and
firing, and gives
current employ-
ees more confi-
dence that they
have a job long-
term.
Do you
have strategic
alliances withyour suppliers?
Have you re-
ceived a sales lead from your
suppliers? And not just the
suppliers in your industry.
Your insurance agents,
bankers, lawyers, accountants,
printers, cleaners, mainte-
nance and delivery service
members, caterers, contractors
have they brought you
business? You should have a
chart in the office and make it
a competition. Send every
supplier a letter once a quarter
to announce the top suppliersand who is on the bubble.
If you would like more
info on networking and to see
how it is really done, check
out some great networking
meetings at www.join24-
7.com, or contact Philip J.
Doyle at 973-697-8872 or
MARIA FERRITO
973-986-6914 Cell
NJAR MILLION DOLLARSALES CLUB 2001
NJ CIRCLE OF EXCELLENCE2002-2012Consistent
TOP PRODUCER
in the WAYNE area.
GEMINI LLC Realty 973-696-1111x131197 Berdan Ave., Wayne, NJ
Townhome SpecialistRelocation Agent
CallMARIA FERRITOfor CURRENT MARKET
VALUE OF YOUR HOME
SHORT SALE AGENTOwe more than your
home is worth?RIVERDALE $359,999
3BR, 2FBA Ranch withGranite Kitchen,
Family Room, Deck,1/2 Acre Property.
GREEN POND $1,049,000Ren.3BR/2BA LKFRT home/priv Lk/Club Comm GP/2-StoryGrt.Rm/gour. Kit/lst Flr. Mstr./Stone FP/2C.Gar./priv Dock. KIN5955
KINNELON/SMOKE RISE 973-838-9300
KINNELON $590,000Smoke Rise-Cust. blt. Ranch offers a wide open flr. plan, nes-tled in one of NJs most sought after community. KIN3676
KINNELON/SMOKE RISE 973-838-8400
KINNELON $900,000Smoke Rise-5BR/5BA Contemp features Cath Celling/for-mal DR/FP/fin. Bsmt/2C Gar/C/A/cul-de-sac loc. KIN3756
KINNELON/SMOKE RISE 973-838-8400
KINNELON $1,275,000Smoke Rise-Stunning 14 Rm/5BR/5.1BA CHC at end of cul desac/pool w/waterfall/summer Kit./3C Gar. & more. KIN3826
KINNELON/SMOKE RISE 973-838-8400
KINNELON $1,000,000Elegant custom 4BR/4.1BA home offers open floor plan &spectacular wood detail. KIN3798
KINNELON/SMOKE RISE 973-838-9300
KINNELON $1,399,000Elegant oversized 5BR/4.1B/Custom home w/customtrim/woodwork/Cust Kit. w/Viking Range. A must see. KIN3882.KIN3882KINNELON/SMOKE RISE 973-838-9300
LINCOLN PARK $285,000A lot of house for the money! Exp. 4BR/2BA Ranch/spa-cious Rms/H/W Flrs/full fin. Bsmt. KIN3765
KINNELON/SMOKE RISE 973-838-9300
MONTCLAIR $379,000Great oppor. to buy in Montclair. 4BR 2BA Col. Centrallylocated near train/shopping/restaurants. KIN3852
KINNELON/SMOKE RISE 973-838-9300
NEWFOUNDLAND $419,9002 Park like Acs. 3BR 2.1BA Split/2C Gar. Small cabin onproperty. KIN3693
KINNELON/SMOKE RISE 973-838-9300
GREEN POND $1,169,000Green Pond Lakefront-3BR/3.5BA Col./H/W Flrs/2CGar./priv. Dock/Detach bnk hse. KIN3629
KINNELON/SMOKE RISE 973-838-9300
KINNELON $649,000Beautiful 3BR/4.1BA Cust. home features C/A/2C Gar./saltwater heated pool/full fin Bsmt. KIN3762
KINNELON/SMOKE RISE 973-838-9300
KINNELON $865,000Smoke Rise-Spec. Cust. Exp. Ranch/open Flr. plan/updated Kitw/Viking stovetop/wine cooler/granite countertops. KIN3896
KINNELON/SMOKE RISE 973-838-8400
Build strategic networking alliances
Association of Realtors, thePassaic County Board of
Realtors and the Garden
State Multiple Listing Ser-
vice of New Jersey.
For all your real estate
needs, Colleen A. McMahon
can be reached at the office:
973-646-7419 or on her cell
phone: 973-214-5250.
Colleen A.McMahoncontinued from previous page
visit our website at www.lifeandleisurenj.com September 18, 2013Page 26, Zone 2
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0051 AUTOMO-
BILES WANTED
WE BUY CARS !
WE BUY TRUCKS !RONNIES INWAYNE
973-616-7900
WE PAY FORJUNK CARS
973-220-0202
0230 FIREWOOD
SPLIT, SEASONED& DELIVERED$180.full cord,$110.half cord.
Call 973-296-3307
0400 MISCELLA-NEOUS
SERVICES0610 - 0959
0655 SERVICES
CARPET
G&S CarpetCleaning
& Floor ServiceResidential
& Commercial973-839-6436
0680 SERVICES
CHIMNEYS
Do It Right
Chimney ServiceChimney CleaningSpecial-$29.95
Prevent CarbonMonoxide Poisoning!! our other servicesincl. Repairs, Liners,
Caps & DampersPlus Powerwashing
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