221657_1402051296june 11 2014 z3 lr

8/12/2019 221657_1402051296June 11 2014 Z3 LR

1/28

Owner Dennis Coyle of

DC Landscape Design

LLC based out of

Pequannock Township donates toPequannock. I grew up In

Pequannock Township. I have

multiple clients in Pequannock

and Pompton Plains. I thought it

would only be right to give back a

little to the community that has

given so much to me. I spent

many days of my youth at PV

Park. It is a great lake and I have

many great memories there. I

spoke with town officials and

they gave me the green light todonate a garden and a tree to the

Park.

The garden DC Landscape

installed is directly in front of the

PV Park sign. The design includes

some dwarf evergreen

boxwoods, dwarf foun-

tain grasses, red knock

out roses, yellow daylilies, purple saliva, blue

star juniper and finished

it off with some black

dye mulch which really

makes the flowers and

plants stand out. The

tree I decided to donate

was a Purple Leaf

Thunder Cloud Plum. It

is one of my favorite

trees. They have small

pink flowers in springand then, throughout

the summer until fall,

the foliage of the plant offers a

beautiful burgundy color. The

tree does not get huge and does

not make a mess in fall. There are

only a handful of trees that have

nice burgundy foliage throughout

the spring, summer and fall

months and this is one of them.

All in all, its a pretty mainte-

nance free tree.

RIVERDALESQUARE

FATHERS DAY GUIDESEE CENTERFOLD

12 Main Street, Butler, NJ 07405973.283.0454 973.283.4339 973.283.4331

AJsPizzaOnline Ordering Availablewww.ajspizzaonline.com

Party SubsAll subs include lettuce, tomato, onions, oil and vinegar 3 ft. 4ft. 6ft.Italian $48.00 $64.00 $96.00Turkey w/Cheese $53.00 $71.00 $106.00Roast Beef w/Cheese $53.00 $71.00 $106.00

Wrap PlattersAvailable with Whole Wheat, White, Tomato BasilAsk for Lettuce, Tomato, Onion & Dressing

Small (9pc) Large (18pc)Buffalo Chicken $20.00 $40.00Italian $20.00 $40.00Chicken Caesar $20.00 $40.00Cheese Steak $20.00 $40.00Grilled Chicken $20.00 $40.00

Sandwich PlattersAny mix of sandwiches available........................................Small (12pc)Large(24pc)

Ham & Cheese ......................$13.50........$27.00Eggplant,Fresh Mozz.

& Roasted Peppers ................$18.00........$36.00Grilled Chicken,Fresh Mozz.& Roasted Peppers ................$20.50. ......$41.00

Hours:Mon-Thur 11am-10pm

Fri-Sat 11am-11pm

Sunday 12pm-10pm

ForOur

COMPLETE

MenuItems,

VisitUs

Online!

Grads,Dads&BBQs

And so much more!

Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste

June 11, 2014

Zone 3, Vol. 12, No. 12

We are a Family, Friendly Publication

DC Landscape Design

donates garden & trees

continued on page 20

8/12/2019 221657_1402051296June 11 2014 Z3 LR

2/28

NOTE:To have your groups announce-

ment appear in Community Happenings,please e-mail your paragraph to [email protected].

JUN 13The Ramapo-Bergen Animal Refuge,Inc. is holding a huge sale at the Copper

Tree Mall, 350 Ramapo Valley Road(Route 202) in Oakland, NJ on

Friday, June 13th from 9am-9pm andSaturday, June 14th from 9am-3pm. Find a wide range of beautiful

gifts, seasonal and household items -some animal-related, most not. All pro-ceeds directly benefit the animals of

R.B.A.R.I. To learn more about ourorganization please visit www.rbari.org.

JUN 20

Join us on Friday, June 20 at 1pm forSaving Mr. Banks, a Walt Disney movierated PG-13, 125 minutes. For moreinformation or to register, call thelibrary at 973-835-5044 or registeronline at riverdalelibrary.org.

JUN 26

The Riverdale Librarys Summer

Reading Kickoff Party is Thursday June

26, 4-5 p.m. Kick off our super sciencesummer with juggling, beat boxing, andcrazy balancing! For kids enteringgrades K-5. Registration is required.Call 973-835-5044 or go online atriverdalelibrary.org to register.

JUN 30

The Denville String Band, which enter-tains in the tradition of the PhiladelphiaMummers, will be performing at theBloomingdale Senior Center on Monday,

June 30, 7:30pm. Coffee and cake willbe served. Doors open at 6 pm. Thecost is $5.00. For information and

reservations, please call Pat at 973-838-9259.

Around the

Community

The Riverdale Library is hosting aLEGO Lab on Wednesday June 25, July23, & Aug. 27 from 4-5pm. Build a

rocket ship, a city, a robot? Become anengineer: you bring your imaginationand well supply the LEGOs! For kidsentering grades K-5. Registration is

required. Call 973-835-5044 or goonline at riverdalelibrary.org to register.Calvary Gospel Church, 1559Hamburg Tpk, Wayne announces our2014 VBS. It will be held July 14-18from 9am-12pm. This is a free activityfor children grades pre K-5. The themewill be Gods Love from the program(Son Treasure Island.) Please call thechurch at 973-694-5385 to reserveyour spot now!The UONJ is an area-wide support

group for ostomates, individuals withpotential, new, existing or reversedostomies. We provide direct aid andmutual support for this group of individ-

uals. Meetings are held the secondMonday of each month, at Chilton

Medical Center, located at 97 WestParkway in Pompton Plains. Meetingsstart at 7pm. Any questions, please feelfree to reach out to Jo Ann ValentCWOCN (Co-president) [email protected] or973-831-5168.Riverdale Public Library announcesSummer Reading Program 2014. Cometo the library, fill out a registration card,and receive a reading log. Read, or, lis-ten to an audio book (or 100 pages)

each week. Bring in your completedreading log each week. The child whoreads the most books will win a goodybag full of prizes! There will be first,

second and third place winners for themost books read. This program is opento residents of all towns. Registrationbegins Monday, June 23. Call 973-835-5044 or go online at www.riverdaleli-brary.org for more information.Story Times for Infants and Pre-Schoolers; for 2-year-olds with a care-

giver, theres Totally Twos on Mondaysfrom 10:15-10:45am. For infants with acaregiver, check out Baby Time onMondays from 11:00-11:30am. For 3-

5-year-olds, come to Preschool Pals onTuesdays from either 10:15-11:00am

or 1:30-2:15pm. Summer story timebegins the week of June 16 and endsAugust 5. Registration is required.Summer registration for all programsbegins May 16 for Riverdale residents,May 23 for non-residents. Call 973-835-5044 or go online atwww.riverdalelibrary.org to register.

Girl Scout Registration! Come and join.Registration will be on Saturday, June14 from 9-12pm at the Pompton LakesReformed Church for girls and adult vol-

unteers! Free GS Loom Bracelet for allnew members! For more info pleasecontact Paulette B at 973-390-5066 forat [email protected] Unorthodox Wood Carving Club isnow excepting new members. We are asmall group of woodcarvers with inter-ests in carving duck decoys, birds, andall other types of wood carving designs.Some power equipment available foruse. Please stop by Pompton Mill Works

2nd Floor 145 Ringwood Ave Wanaque

or call 973-934-6520 for more infor-mation.Whether you are still suffering from

visit our website at www.lifeandleisurenj.com June 11, 2014Page 2, Zone 3

100% Mailed, Bi-Weekly Newspaper234 Main Street, 2nd Floor

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrino i Editor: Bethanne Pellegrino i Administrative Assistant: Denise Wirsing i Art Director: Robin Banta

Sales: Lisa Buniewski, Larry Johnson, George Papendicki 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 Life & Leisure. Views expressed in Life & Leisure arethose of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyonedesiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by theauthor and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,products or businesses advertised. 2014 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

With Coupon. Cannot be combined withany other offers. Expires 7/25/14.



Full Service Car WashTriple Foam Clear Coat Polish

Super Sealer Wax Tire DressingHand & Machine Dried

ROYAL DUKE

CAR WASH

$1 OFFANY CAR WASH

$2 OFFROYAL PRINCE

CAR WASH

$3 OFF



1555 ROUTE 23 SOUTH WAYNE 973-633-1900

ROYALCARWASHNJ.COMFREE WiFi in Waiting Area HOURS: MON-SAT 8AM-6PM, SUN 8AM-4PM

$3 OFFOIL CHANGE

FREEBRAKE INSPECTION

Full Service Car Wash Triple Foam Clear

Coat Polish/ New Turbo Underbody Rinse

Super Sealer Wax Tire Dressing

Hand & Machine Dried

AskAboutOur

Unlimited

WashPlan!

AskAboutOur

Unlimited

WashPlan!

COMPLETE AUTOMOTIVEREPAIR CENTER

Brakes, Tune Ups, Etc.

FREE Car Wash w/Oil Change

Visit Our Full Detail Center

Wheels Power Washed On All Cars

Coupon Books Available

Self Service Bays

NEW PATIENTSPECIAL

Now Includes Cleaning$79 Reg. $374

Receive a Cleaning, Complete Exam,and a Full Series of X-Rays.Redeem with this ad. Not to be combinedwith any other offer. Expires 7/15/14.

973-835-0702435 Ringwood Ave Pompton Lakes

Visit Our Website For Hours and Services: www.PomptonDentalArts.com

Delta Dental Provider - 10% Senior Courtesy

Not an actual patient.

FOURTH OF JULY FIREWORKS SCHEDULE

BLOOMINGDALE Friday, June 27 at 6pm, Walter T. Bergen School, 225 GlenwildAve, rain date June 28.

MONTVILLE Saturday,June 28 at 9:30pm, Montville High School, 100 HorseneckRd. rain date June 29.

PEQUANNOCK Wednesday, July 2 Pequannock High School, 85 Sunset Rd. rain

date July 3.

WAYNE Wayne PAL Annual Fireworks Extravaganza, Wednesday, July 2- RainDate Sunday, July 6, Wayne Hills High School, 272 Berdan Avenue, Gates Open at6pm, $10 per Family, Fireworks Show Begins Approximately 9:15pm. There will beFood, BATTLE OF THE BANDS, Clowns, Rides, Glo-Sticks and a 50/50 Raffle.

continued on page 5

8/12/2019 221657_1402051296June 11 2014 Z3 LR

3/28

visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 3

8/12/2019 221657_1402051296June 11 2014 Z3 LR

4/28

Do you think its a

requirement to be-come a millionaire

in your lifetime? Is it a nice

thought, perhaps for some-

one else, or not even a

thought at all? Were you

alive when the average house

in our North Jersey area cost

around $80,000 in 1978,

when $1,000,000.00 was

really a cool million? And

now, what is a cool million

dollars worth? Does it still goas far; spend the same or feel

as good when compared to

the late 70s considering

nominal bank CD rates were

over 10% and for a brief peri-

od as high as 18%? A

$1,000,000 CD would gener-

ate $180,000 in annual inter-

est, in other words, you could

live on that. Today, the same

$1,000,000 CD from the

same bank pays .35% or$3,500 in annual interest and

that is before we calculate

todays inflated cost of goods

and services when compared

to the 1970s.

Please imagine a slice of

pizza or my newest measure

of inflation, a bagel. When I

was 7 years of age, a slice of

pizza cost a quarter and a

bagel cost a dime. This week

I purchased a dozen bagels for$12 and two slices of pizza

cost more than $4.00! My

children have asked me why

we even use change anymore

since basically nothing costs

less than a dollar. You know,

theyre right and inflation

isnt slowing down stopping

or going away, quite the con-

trary, in this columnists

opinion, inflation is poised to

skyrocket! What I am sayingis that accumulating a $1

plus million retirement port-

folio is no longer a nice

thought or optional, its adownright mandatory neces-

sity - Period!

Last month one of my

columns was entitled, Is a

College Education Worth

the Cost? Is it worth losing

at least 4 years of momentum

in the workforce building

your career while accumulat-

ing a 6 figure school loan

debt, not to mention a guar-

antee of a job upon gradua-

tion? I wrote, Its a Dogs

Life for Me, comparing the

wonderful life my dog leads

to the perfect retirement life.

Another column was titledWants vs. Needs the

American Struggle, where

no one actually needs a new

Bentley motorcar. Today, I

am writing about financial

preparedness, that without

exception must be planned

for and executed or suffer a

retirement of sacrifice, disap-

pointment or worse, no

retirement at all. There was

once a joke that asked, Howdo you spell retirement? The

answer was D.E.A.T.H.

Unfortunately, for some peo-

ple born after 1985 thisjoke will more than likely

be their reality. The rules of

the money game including

wealth accumulation, inter-

generational wealth transfer

and debt avoidance must be

mastered and plans for a

joint-life guaranteed retire-

ment income must be in

place so the surviving spouse

will not run out of money

before running out of life.

Lets see what the

future holds is a phrase tan-

tamount to complacency and

denial. We must be proac-

tive, decisive, actionaryand reactionary to world

events including that of our

own government that shape

our individual and familys

financial future. The finan-

cial section of the newspaper

can no longer be used to line

the bird cage or as the dogs

wee wee pad, until after it is

read and digested by all who

live under the family roof.

Tough economic times willbe upon us again and the fed-

eral government lacks the

financial might and world

respect to save us this time.We have come to the rescue

of other failing nations

throughout history and how

many of those nations would

or could come to the aid of

the United States of

America? Bottom line is it

really doesnt matter, because

the problem of our national

debt and total federal finan-

cial obligations due to con-

tinued congressional compla-

cency, have gotten too far

out of control where no

nation on earth possesses the

financial might to render any

aid or bailout.Its truly out of control

with no leadership from any

branch in power to overcome

this adversity and travesty. I

am concerned for the chil-

dren of today as the govern-

ment has forsaken them by

refusing to acknowledge and

correct decades of reckless

spending without regard to

balancing expenses with rev-

enue. The government can-not continue to raise taxes

on the 50% of Americans

that pay tax while increasing

those that are dependent ongovernment provided

income, health care and

housing benefits. How many

more examples do we need?

History is littered full of

failed governments, political

experiments run amok and

Robin Hood economic les-

sons for the United States

government to behave the

way it has, increasing the

debt ceiling every budgetyear to this incomprehensi-

ble level. How, as a family

unit, can you react and pro-

tect yourself from our failed

domestic economic prob-

lems? Ill tell you: work more,

earn more, save more, invest

more and spend less, all the

things your government

refuses to do. Living above

ones means, keeping up with

the Joness, entitlementvacations and new cars are

out! Frugality, Budgeting and

Necessities only, are in! The

penalty for non-compliance

will be severe and what are

the consequences if I am

wrong about future inflation?

Youll have a fortune more

money invested a rosy future

and leave a major legacy!

But, if Im right, and you are

prepared, youll be able toprosper through your very

last day with food on the

table, a roof over your head

and cash to pay for health

care. This is too serious a

subject to put-off or poo poo.

The Federal Reserve has

already indicated interest

rates will rise in the latter

half of 2015 and with that

the resurgence of inflation.

Remember the bagel andpizza prices of your childhood

vs today and just think about

them for a moment. Now,

project what they will cost in

ten years, in twenty and if

you will be able to pick upthe tab when the kids and

grandkids come over. My

advice, get together with a

competent financial advisor

today to design a tax-advan-

taged savings/investment and

income producing program

to protect and provide for

your future financial require-

ments ASAP!

Mark E. Charnet, CAS, isPresident and Founder of

American Prosperity Group.

APG is the P remier Reti rement

and Estate Planning Franchise

in the United States with 19

offices in 8 states. Mr. Char-

net has over thirty three years

of experience in the Retirement

and Estate Planning fields.

Creator of the Trinity Method

of Investing, Mark encour-

ages your inquiries and can bereached at: 973-831-4424 or

via email,

[email protected]

Check out our website:

www.1APG.com Interested in

a career in retirement and es-

tate planning? Check out this

website: www.APGFran-

chise.com Securities through:

United Planners Financial

Services, A limited partner-

ship. Member SIPC, FINRAand a Registered Investment

Advisor.


He who has health has hope. And he who has hope has everything.Benjamin Franklin

And he who desires everything, must have the cash!Mark Charnet

By Mark Charnet

8/12/2019 221657_1402051296June 11 2014 Z3 LR

5/28

the 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 them-selves and the world around them. Ifyou are doing fine after the war, thatsfantastic but dont forget about yourbuddies who are still suffering. Findout how you can help. Call BarryJensen at 973-809-9665. Point Man

Ministries meets the first Thursday ofevery month from 7:30-9:30pm atCornerstone Chapel 620 Route 23

North, Pompton Plains.The Pompton Lakes Republican Club

invites you to its monthly meetings onthe third Thursday of each month at theVFW Post 2906 off Wanaque Avenue inPompton Lakes. Membership is open tothe public. Get involved with the PLRCand participate in informative meetings,community outreach, scholarships for

youth, and social activities. Questions?Call 973-835-4025 or [email protected] Circle of Friendship, a non-denominational support group for the

separated and divorced, meets at7:30pm on the first, third and fifthThursdays of each month at St. Mar ysChurch 17 Pompton Ave. in PomptonLakes. For further information call theparish at 973-835-0374.


We Design From Our Hearts

FLOWERS GALORE & MOREFULL SERVICE FLORIST

503 Main St. River Place www.FlowersButlerNJ.com

VENDORS WANTEDIntroducing HOME MADE WAY

A Venue for Local Artisans to rent space, showcaseand sell their unique ARTS, CRAFTS and DESIGNS

Display Your Crafted Items Outside on Saturdays or

Anyday Upon Request - Call for Details 973.838.9200

Community Happenings

continued from page 2

8/12/2019 221657_1402051296June 11 2014 Z3 LR

6/28

Afather who is afraid to

go the dentist is likely

to pass on his fear to

his children, according to

researchers at Rey Juan

Carolos University in Madrid,

Spain. The International

Journal of Pediatric Dentistry

published a study where 183

Madrid children from 7-15

years old, as well as their par-

ents, rated the level of fear todentistry in an anonymous

questionnaire.

The data showed that

mothers reported the highest

levels of dental fear and the

researchers concluded that the

greater dental fear is for one

family member, the greater it

would be for the other family

members. They also concluded

that the fathers feelings about

going to the dentist play a hugerole in whether a mothers fear

of the dentist will be passed to

their children.

Children seem to pay

attention to the emotional

reactions of their fathers, if

going to the dentist will be

stressful, said Professor

America Lara-Sacido.

The results point to a

need for dentists to reducefathers dental fears by giving

them accurate information on

dentistry, teaching simple

relaxation techniques, or

addressing negative thoughts

to prevent passing dental fears

on to their children. The workwith the parents is key and

teaches them to be relaxed as a

way of directly influencing

their kids.

Dr. Peter Brusco is a 1980 grad-

uate of the University of Penn-

sylvania and has been practicing

in Kinnelon since 1982. Dr.Br-

uscos practice is located at 170

Kinnelon Road, Suite 29A in

Kinnelon. You can reach him at973-838-5862. Visit him online

at www.drbrusco.com.


Using LenSx Laser Technology

Laser Cataract Surgery

Charles D. Crowley, M.D.

and his Associates offer eye

care for the entire family,

from surgery to glasses.

Safer Better More Reliable

Other conditions we treat(partial list)

Blurred visionCataractsFloaters and flashesGlaucomaDiabetic RetinopathyMacular DegenerationCrows feet/creased brow

Treatments(partial list)

Custom Vue LasikCustom Cataract with RestorMultifocal Lens ImplantsFoldable Lens Implants

Dr. Michael DelGiodiceis an author on ocular disease

and Vice President of the NJ Chapter of the AmericanAcademy of Optometry. His specialties include laser eyesurgery post-operative care, dry eye syndrome, contact

lenses and neurologic eye disease. He is also aconsultant for Bausch & Lomb.

ASSOCIATEDEYEPHYSICIANS, P.A.

Ceaser Pitta, M.D. specializes in diseases of theretina including Macular Degeneration, DiabeticRetinopathy, Macular Holes, Macular Pucker and

Detachment surgery.

Meet our experienced Physicians

Most Insurances & Eye Plans Accepted

Selective Laser Trabeculoplasty

Eyelid SurgeryContact LensesBotox Injections

505 Wanaque Ave., POMPTON LAKES

973.835.1222

We Are Cliftons Premiere Family Eye Doctors.1033 Clifton Ave., CLIFTON

973.472.6405

www.njeyedoc.com

Walk-ins WelcomeOpen Tuesday - Saturday

ExperiencedStylist Wanted

Kids Cuts Senior Discounts

Keratin Treatments

Highlights Foil Facials

Waxing Massages Leaves Skin Rejuvenated

Deep Pour Facialcombined with

Aromatherapy Compress

Call Today for an Appointment & Your Personal Consultation

$10 OffFull Set of

High Lights

Great Gifts for Dad

NEWCLIENTSONLY. With This Coupon.Not To Be Combined With Any Other Purchase.

Expires July 31, 2014

BUZZCUT$10

FADES

ADDITIONAL

NEWCLIENTS ONLY. With This Coupon.Not To Be Combined With Any Other Purchase.

Expires July 31, 2014

Like father like son: Why your

children may be afraid of the

dentist By Peter Brusco, DMD

8/12/2019 221657_1402051296June 11 2014 Z3 LR

7/28


Dr. Peter Brusco, D.M.D.

Preventing cavities,

gum problems and

saving your teeth for a

lifetime for over 30 years.

973-838-5862 170 Kinnelon Rd., Suite 29A Kinnelon www.drbrusco.com

and Share atDr. Peter Brusco, D.M.D.

NEW PATIENTSPECIAL

$8900Expires July 31, 2014

Not to be combined with any other offers.

Dr. Peter Brusco, D.M.D.973-838-5862

EXAM, DIGITAL X-RAYS, AND CLEANING

REG. $2660% Financing for qualified patients through CareCredit

Friendly, Caring Atmosphere with Gentle, Experienced Dental Professionals.

Cosmetic Dentistry Bonding & Veneers TMJ Root Canals Teeth WhiteningOral Surgery Mini Dental Implants Implants Dentures

8/12/2019 221657_1402051296June 11 2014 Z3 LR

8/28

What would summer

be without days

spent frolicking at

the beach or afternoons spent

splashing in the pool? Fun in

the water makes hot days more

enjoyable and bearable, and

few summertime activities do

not involve water play in oneaspect or another.

Although time spent in

the water can be refreshing and

entertaining, water does pres-

ent certain hazards, particular-

ly for those who do not know

how to swim. Learning to

swim, especially at a young age,

is advisable and a great way to

remain safe around the water.

The World Health

Organization says drowning is

the third leading cause of unin-

tentional injury death across

the globe, accounting for 7 per-

cent of all injury-related

deaths. Children, males and

individuals with increased

access to water are most at risk

of drowning. In general, chil-

dren under five years of age

have the highest drowning

mortality rates in the world,

though adult males in Canada

and New Zealand drown at

higher rates than children.

According to the

American Academy of

Pediatrics, parents should con-

sider swimming lessons for

most children between the

ages of one and four. New

research has revealed that

swimming instruction for chil-

dren between the ages of one

and four may decrease drown-

ing risk. However, parents

should be advised that swim-

ming lessons do not remove all

risk. Children still need con-

stant supervision when in and

around water. Additionally,

learning CPR can be a life-sav-

ing measure.

When enrolling children

in swim lessons, parents should

look for safety-certified

instructors who have first aid

and resuscitation training and

certification. Many programs


Physical Therapy - Speech Therapy

Occupational TherapySensory Integration

Has your childbeen diagnosedwith...Cerebral Palsy

Autism

Developmental Delay

Balance/CoordinationDisorder

Hypertonia

(increased muscle tone)

Hypotonia(low muscle tone)

Down Syndrome

Spina Bifida

Metabolic Disorder

Traumatic Brain Injury

We can help, give us a call

973.616.830018 Newark Pompton Tpk

Riverdale

Developing the Foundation for a Lifetime of School Success!

Family Owned and Operated Est. 1972

Preschool, Kindergarten Ages 2-6 Years

KINNELON10 Maple Lake Road

WEST MILFORD836 Macopin Road

Call, visit and compare the advantages gained for your child.

CelebratingOur42nd

A nniversary

973-838-2122 www.applemontessorischools.com

Visit our school and findout how many consecutive

years over 90% of ourchildren scored in the top

10% nationally...and they are having the

MOST FUN in theirlives!

A Truly UniqueMontessori School Security Camera and

Door Locking Keypad System

Unique Phonics Reading Program

Hands on Math Curriculum

Computers Music

Foreign Language

3 or 5 Half Days

Full Days 7am-6:30pm Fastrackids

Parenting Seminars

Character Education After School Clubs

Summer CampAges 2-12 Years Daily Swimming Lessons, heated pool

designed for the safety of young children

Sports/Organized Games Arts & Crafts

Field Trips/Fun Themed Days

Music/Dance

In House Events Nature & Science

Computers Cooking After Camp Clubs

Jr. Counselors in Training Program

(6th-9th) grades Fastrackids

j

j

j

j

j

j

j

j

j

j

j

j

j

j

MAKE

NEWFRIENDS

&MEMORIES

j

j

j

j

j

j

j

j

j

j

j

j

j

j

PERFORMING

ARTS

ACADEMY

973-839-7800194 Wanaque Ave. Pompton Lakes www.thepaa.com

RED, WHITE & BLUEZOO WEEK

ALL AROUND THEWORLD

BEACH WEEKFANCY NANCY WEEK

CIRCUS WEEKMYSTERY WEEK

June 30th - August 22nd,9am-1pm

Ages: 3-6 & 7-10

SUMMER ARTS& CRAFTSDAY CAMP

NEW WEEKLY THEMES INCLUDING:

Thursday is Movie Day and Pizza Day. Movie theme will be

related to the weekly theme. Popcorn will be served.

Performing Arts Academys all newSummer Day Camp provides children with afun and educational experience in the arts.

How parents can help youngsters

learn to swim

continued on next page

8/12/2019 221657_1402051296June 11 2014 Z3 LR

9/28

offered are sponsored by the

American Red Cross or the

YMCA. Private swim clubs

may have their own instruc-

tors.

Children between the

ages of one and three typically

do not have the motor coordi-

nation to swim effectively.

These children can benefit

from swim lessons that empha-

size getting used to the water,

safety and learning some swim-

ming readiness skills.

Instruction may involve teach-

ing children how to move their

legs and arms and strengthen

muscles used for swimming.

Children between the ages of

four and five may be more

developmentally ready for

swimming. Such youngsters

may move from water-safety

lessons to actual swimming

with or without support. A

study titled Childrens readi-

ness for learning front crawl

swimming published in The

Australian Journal of Science

and Medicine in Sport showed

that whether kids started les-

sons at two, three or four years

of age, they learned to swim

well at approximately the

same mean age of five and

a half years.

In addition to swim-

ming lessons, parents and

other adults can ensure

water safety by taking the

following precautionary

measures:

Children should never be

left unattended in the

water. It takes mere inches

of water for a youngster to

drown.

In the pool or another body

of water, caregivers should be

within touching distance of

young swimmers to provide

help if needed, even if the

child is wearing a floatation

device.

Keep rescue equipment by

the pool.

Remove toys from the pool

when its not in use. These

toys can attract children who

will go in after them.

A fence around the perime-

ter of the yard may be manda-

tory, but a fence around the

pool itself is another safety bar-

rier to consider. The fence

should feature a self-latching

gate.

Even adults should be

watched while swimming. It is

always a safe idea to swim with

a buddy, so that the other per-

son can get help if something

goes wrong.

So, be safe this summer.


How parents can help youngsters learn to swim

continued from previous page

8/12/2019 221657_1402051296June 11 2014 Z3 LR

10/28

Many college stu-

dents recognize the

value of intern-

ships. Internships can help

college students start building

their resumes before they

even earn their degrees, and

those experiences can give

them an edge in a competi-

tive postgraduate job market.

Landing internships

gives students some firsthand

experience within a given

profession, and that exposure

can help them decide if a pro-

jected career path is right for

them or if its good to go back

to the drawing board. The

following are a few tips to

help college students land an

internship and make the

most of the opportunity.

Dont hesitate. Though

many internships are tailored

to students with a year or two

of college under their belt,

that doesnt mean freshman

cant begin to explore poten-

tial opportunities. Even if you

dont intend to get an intern-

ship in the coming school

year or during summer break,

you can begin to explore

potential opportunities that

might interest you when the

time to start seeking intern-

ships does arrive. Looking

early may yield valuable

information, such as courses

that would improve your

chances of landing an intern-

ship, which your fellow stu-

dents who hesitate or pro-

crastinate wont have.

Speak with the career

placement specialists at your

school. Career placement

departments at colleges and

universities are an increasing-

ly valuable resource for

todays college students,

many of whom will graduate

and face an uncertain and

crowded job market. But

career placement depart-

ments are not just a resource

for grads. Such departments

can be valuable tools for cur-

rent students interested in

landing internships. If you

dont know where to begin

your internship search or sim-

ply want to see if any oppor-

tunities have opened up,

speak with representatives at

the career placement depart-

ment at your school. Look

the part on such visits, dress-

ing nicely and bringing a

Tips to land a good internship


SALES SERVICE REPAIRS

EurekaCordless

Brush Vac

$4499

Power, quiet & lightweight Cleans carpet & bare floors 2-Motor System

EurekaMaximum Power

Canister Vacuum

Eureka Optima

Soft Grip Looped Handle

Telescopic Handle Motorized Brushroll No-tip/Anti-clog Tools-on-Board Power - 12 amps Cord Length - 20ft.

$8999

LARGEST VACUUM PARTS SELECTION IN NEW JERSEY

Hoover

Steamer

$19999

12 amps 5 Spin Scrub Brushes On-Board Powered

Hand Tool for Stairs,Upholstery

24 Cord 1 Year Warranty

Performance

Plus

Platinum

Powerful 12-amp Motor Motor Protection System QuickDraw Tools on Board TriForce Agitator 30-Ft. Power Cord HEPA Filter

Not valid with other offers. Expires 7/23/14.

Buy 2 Packages of SameType Bags (3 pack size only)& Get 1 Pack of the

Same Size FREE

FREEVacuum Bags!

1400 Watt motor Convenient for carpets & hard floors Lightweight, compact design Deluxe on board accessories Metal telescope wand 2 Year Warranty

Riccar

Super PowerfulHepa FiltrationSuper light 8 lbs

PanasonicCan

12 Amp Motor Quick Release

Handle On Board Tools

$27999

$31999Special

$22999

Conveniently Located On Route 23 SouthAt 615 Route 23 Pompton Plains

973-839-5666

Authorized

Service Center & DealerFor Most Major Brands

Mon. - Fri. 9:00 a.m. - 5:00 p.m.Sat. 9:30 a.m. - 4:00 p.m.

www.vacshackinc.comwww.vacshackinc.com

Since 1976

With this coupon only. Not valid with other offers.Expires 7/23/14.

10%OFF

On AllVacuum Repairs

All Brands Serviced$12999

CLEAN-UP TIME

Margaret (Peggy) TanaEd.M, MAT, LPC, LCADC

Licensed Professional CounselorLicensed Clinical Alcohol and

Drug CounselorNJ 37PC00302700, NJ 37LC00078800

Counseling for individuals

and couples using a holistic,

person-centered approach.

Experienced with abuse, trauma,

cultural, and spiritual issues.

Trained in EMDR.

170 Kinnelon RoadKinnelon, NJ 07405

www.margaret-tana.com

973-838-7265

AnxietyAddiction

Depression

June 12th & 13th9am to 4pm

Cash Only!

Cheesecakes, Cookie Dough, Pies,Candy, Gift Items, Toys & More!

220 WEST PARKWAY POMPTON PLAINS continued on page 24

8/12/2019 221657_1402051296June 11 2014 Z3 LR

11/28


HOW LONG HAVE YOU SUFFERED FROM LOW BACK PAIN?HAVE YOU TRIED THE DRS SYSTEM?

After only three weeks of treatment, clinical studies have shown outstanding

results in relieving the debilitating pain that may be caused by bulging, herniated,

degenerative, or ruptured discs, as well as sciatica, posterior facet syndrome,

and many failed back surgery cases.

All Ages Welcome Evening Appointments

Most Insurance Plans Accepted

Advanced Sports Medicine& Physical Therapy Center

18 Newark Pompton Tpke. Riverdale 973-616-4555

www.AdvancedSportMed.com

T

HELO

WER

BACK

SPECIALIST NOW YOU CAN LIVE PAIN FREE

A State-of-the-Art FacilitySpecializing inTreatment for:

SHOULDER & KNEE PAIN

SCIATICA & HERNIATED DISCS

AUTOMOBILE INJURIES FIBROMYALGIA

NECK PAIN, HEADACHES

PAINFUL JOINTS

HIP PAIN SPORTS INJURIES

Treatment of herniated anddegenerative discs without surgery.

8/12/2019 221657_1402051296June 11 2014 Z3 LR

12/28

Summer and the warm

weather are just about

here. Its time to get off

our couches and venture into

the great outdoors. These

plans will often include your

furry, four-legged friends.

However, dogs and cats can

suffer from hot weather prob-

lems similar to those of the

human- like enduring the

heat, bugs and allergies. As it

gets hotter, it is important to

take some simple precautions

to keep our pets healthy and

safe from the hazards that

accompany summer.

Heat stroke is a very seri-

ous and very common occur-

rence during the summer

months and results when your

pets body temperature rises

above the normal range. Heat

stroke can be a life-threaten-

ing disease, can afflict dogs or

cats quite rapidly and be diffi-

cult to treat. A little preven-

tion can go a long way.

Certain pets may be predis-

posed to this condition such

as brachycephalic breeds (i.e.

pushed in nose) like a Bulldog

or Persian cat, overweight

pets, very young and very old

pets or ill pets. Heat strokes

occur a lot in late spring and

early summer because our pets

are out of shape and are not

yet acclimated to the hot

weather. Therefore, introduce

pets to exercise slowly. Also,

try to exercise pets in the

morning or evening when

temperatures are lower. Be

sure to provide your pet with

plenty of breaks for water and

time to cool down in the

shade.

There are many ways to

avoid heat stroke. The most

known adage is to never leave

a pet in the car on warm days.

Even with the windows open,

temperatures in a car can rise

to deadly levels within min-

utes. Dogs and cats dont

sweat the same way we do.

They thermo-regulate mostly

by panting and can sweat

minimally through the bot-

tom of their feet. One of the

easiest preventative measures

is to make sure that pets have

free access to water and shade

when kept outside.

Early signs of heat stroke

may include rapid panting,

heavy breathing, excessive

salivation, increased body

temperature (i.e. above 100-

102 degrees F), depression,

weakness, and vomiting. If

you suspect that heat stroke is

taking place, seek immediate

veterinary attention. In the

meantime, you should remove

the animal from the hot area

and start lowering your pets

body temperature. This

shouldnt be done too quickly,

which can also be dangerous.

Therefore only use cool water,

NO ice. An easy remedy is to

place cool water soaked T-

shirt on your pet and take

them right to your veterinari-

an. Aside from heat stroke,

more outdoor activities mean

the risk of outdoor traumas

and increased accidents. Some

tips include: not leaving pets

unsupervised around a pool,

make sure all pets wear flota-

tion devices on boats, and try

not to let your dog drink pool

water, which contains chemi-

cals that could cause stomach

upset.

Cats that are allowed

outdoors also venture out

more in the summer. Be on

the lookout for abscesses and

other fighting injuries. Cats

that are neutered or spayed

may be at a lower risk of such

injuries as they are unlikely to

be involved in mating-

induced aggression. The best

way to avoid these

injuries is to keep your cat

indoors.

The warmer months

also means more bugs.

Fleas are a common pest that

live off the blood of their

hosts and can cause itching, or

worse, an allergic reaction

called flea-bite dermatitis.

Fleas can also be carriers for

an intestinal parasite called

tapeworms. Mosquitoes are

another pest that may carry

heartworms, which can be life

threatening to your dog and

cat. More trips to the dog park

can also increase exposure to

infected soil and intestinal

parasites, some of which are

transmissible to people

(zoonotic). In North Jersey,

we cant forget about ticks

that can carry a variety of dis-

eases, most notably Lyme dis-

ease. Preventatives for fleas,

ticks, heartworms and intes-

tinal parasites are available

from your veterinarian and

should be given year-round.

The benefits of prevention far

outweigh the nuisance and

health hazards for your pet

and to us as well.

Another summer risk for

cats that live in apartment

buildings or in homes with a

second floor is high-rise syn-

drome. This is the unfortunate

scenario of us wanting to open

windows in the nice weather

and cats falling out of them.

Cats dont deliberately jump

out of windows but can fall if

screens arent properly secured

or if they are focused on an

insect or bird and become dis-

tracted. Cats can be seriously


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke.(near Friendly's)

Pompton Plains, NJ

973.616.0400

Hours: Mon 8-6pm Tues 8-4pm

Wed 8-7pm Thurs 8-6pmFri 8-5pm Sat 8-12pm

FREE ExamNEW CLIENTS ONLY.

Limit 1 per pet.

Not combinable w/other offers. Expires 7/23/14.

15% OFFExam Fee

ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 7/23/14.

OpenSaturda

ys

PequannockVeterinarian.com

WHERE YOURPET IS FAMILY

Full Service Animal Hospital, Specializing in Cats & Dogs

Complete Medical, Dental & Surgical Services On Premises

Caring & Competent Staff

Summer safety for pets

continued on next page

Brought to you by Dr. Matthew Krupnick,

the owner of Pequannock Animal Hospital

8/12/2019 221657_1402051296June 11 2014 Z3 LR

13/28

injured even if they fall even

from a short distance. This

syndrome is 100 percent pre-

ventable by having secure

screens or enclosures for our

windows.

With some simple pre-

vention our pets can enjoy

this summer as much as we do.

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.


a full service salon

on the cutting edge

FATHERS

DAY

SPECIAL

Gift Certificates Available

(973) 838-8306 1238 Rt. 23 N. ButlerTues, Fri & Sat 9am-5pm Wed & Thurs 10am-8:30pm

$10 OFFAny Spa Treatment

with MaryannWith this coupon.

Not to be combined with any other offers.Expires July 15, 2014

Purchase a Mens Facial withHaircut Gift Certificate for Dad

$80Reg $95~or~

FREEHaircut with Any Mens Hair Color

With this coupon. Not to be combined

with any other offers. Expires July 15, 2014

Welcoming

Maryann to

our salon with

over 20 years

experience

in the skin

care industry.

Formerly

worked in the

Butler area.

Assistant and Experienced Stylist Positions Available.

Did you know that

having your car

repaired or serviced

byPry does not voidyour manufacturers

warranty?

Foreign & Domestic NJ State Inspection Brakes Mufflers Exhaust

GIVE

PRYATRY!

SimplytheBest!

50 Boonton Ave. BUTLER

[email protected]

Most cars. Not to be combined with any other offers.With coupon. Expires 07/15/2014.

$20 OFFANY REPAIR OVER $150

PryAutomotiveAutomotive

PryEst. 1986

SPRINGSPECIALS!

$2995OIL CHANGE & ROTATE TIRES

MAINTENANCE SPECIAL

NEW CLIENTS ONLY. Most cars. Not to be combined w/any other offers.

With coupon. Expires 07/15/2014.

Belts & Hoses Wiper Blades Fluid Levels Low Test Battery Brakes

Suspension Charging System Tires Filters Battery

Check:

GREATDEAL!

Summer safety for pets

continued from previous page

8/12/2019 221657_1402051296June 11 2014 Z3 LR

14/28

Riverdale Square is the

perfect venue for a full

day of activities.

Located right on Route 23

North, less than a mile from I-

287, Riverdale Square offers

convenience where you can

shop, wine, dine and enjoy

all in one location!

Great Clips

If youre looking to keep up

with the latest in hairstyle

trends, Great Clips is a great

place to start! It offers attrac-

tive haircuts at even more

attractive prices. Coming in for

a haircut has never been easier

online check-in is available,

ensuring low wait times. No

appointment? No problem!

Walk-ins are always welcome!

For more information or to

speak with an expert stylist,

call 973-513-9447 or visit

www.greatclips.com.

Hollywood Tans of Riverdale

You dont have to spend hours

in the hot sun to have a golden

tan this summer! Hollywood

Tans of Riverdale boasts some

of the best tanning in the area.

Voted favorite tanning salon in

North Jersey within one year of

its opening, it is home to the

rich and the famous, including

the Real Housewives of NJ

and former Miss Teen America

Katarina Kneer. Use its exclu-

sive Superstar Tanning Units

or opt for a golden spray tan.

For more information call 862-

248-0830 or visit www.holly-

woodtansriverdale.com.

NJ Buffet Hibachi Grill and

Sushi

NJ Buffet presents an entirely

new concept in buffet dining.

With 12 buffet tables rotating

more than 300 items, it is the

largest and most elegant buffet

in Morris County. The restau-

rant offers a hibachi-style grill

where diners can watch the

chefs create fresh and succulent

dishes right before their eyes!

Lunch buffet starts at just

$6.99. For more information

call 862-377-0598.

Pearle Vision

Pearle Vision Riverdale is

an awarding winning store for

its customer service. Your eyes

are important to us, so come in

to schedule your eye examina-

tion with our Independent

Doctor of Optometry. We spe-

cialize in Adult and Pediatric

eye examinations, contact lens

services, diagnosis and manage-

ment of eye diseases. Here at

Pearle we have an expert staff

of licensed Opticians who will

make sure you see your world

more clearly. For more infor-

mation please call 973-248-

1188 to schedule your next

appointment or visit

www.pearlevision.com.

Red Mango

Red Mango Riverdale Square,

home of the #1 Zagat rated

frozen yogurt is proud to intro-

duce Red Mango Caf &

Smoothie Factory branded

smoothies & cold-pressed

juices. Store hours will be from

7AM-11PM daily. Enjoy your

choice of cold-brewed coffee,

detox juice, or steel-cut oat-

meal for breakfast- a salad,

wrap, or flatbread for lunch

(all under 420 calories) - or an

after workout smoothie packed

with protein to keep you

going . Dont fo rget Red

Mangos all natural, probiotic

infused frozen yogurt! Come in

any time of day to experience

Red Mangos 3 core values:

Health, Taste, & Style. For

more information, call

862-248-0606 or visit www.

f a c e b o o k . c o m / r e d m a n -

goriverdalenj.com. COMING

SOON!!!

Your Own Winery

Just as the name suggests, Your

Own Winery is a unique oppor-

tunity to make your own wine

year-round, guided by experts

without any mess or hassle.

After free wine tasting from

many samples, customers

select, then create, their own

wine in three or four steps in a

beautiful retail location. The

staff does all the prep and

cleanup, leaving you to enjoy

the wine-making experience.

Also, wine personally made by

the bride and groom, makes the

Perfect Wedding Favor. For

more information call 862-200-

5808 or visit www.yourown-

winery.com.

So come on down to Riverdale

Square. Shop for Fathers Day

or better yet, take dad out for a

day of enjoyment. Theres a lot

to love about Riverdale

Square!


WhereYOU make great WINE

92 Route 23 North | Riverdale862.200.5808 | www.YourOwnWinery.com

Wine MakingGift Certificates

GREATFathers Day Gift!

Perfect Wedding

Favors, Call for Details!

FREE Wine Tasting

Before You Buy Find Your

Perfect Wine Makes 28 Bottles

Less Sulfites Than

Store Wines

Strawberry Riesling, Sangria,Watermelon White Merlot & More

100% Satisfaction Guaranteed

Make SUMMERWines NowDone in 6 Weeks

Riverdale Square

8/12/2019 221657_1402051296June 11 2014 Z3 LR

15/28

Fathers Day has been

celebrated in one form

or another since the

beginning of the nineteenth

century. Perhaps the most

driving force behind Fathers

Day was Senora Dodd, who

thought of the idea of a day

to honor fathers while listen-

ing to a Mothers Day ser-

mon in 1909. Having been

raised by her father, Dodd

wanted to honor the sacri-

fices that fathers make.

Father s

Day was not formally consid-

ered a holiday until 1972,

when a Congressional Act

officially designated the third

Sunday in June Fathers Day.

Families celebrate

Fathers Day in many ways.

This year

Fathers Day falls on Sunday,

June 15. Dads who are histo -

ry buffs may want to cele-

brate this years holiday by

reminiscing about the

notable events that have

occurred on June 15 through

the years. Here are just some

of the many historical

events that took place on

June 15.

1752: Ben Franklin per-

forms his famous kite-flying

experiment to test the elec-

trical power of lightning.

1775: George Washington

is appointed Commander in

Chief of the American Army.

1878: The first attempt at a

motion picture takes place.

Twelve cameras, each taking

one picture, focus on horses

hooves to see if they will

leave the ground.

1887: The New York Giants

baseball team beats the

Philadelphia Phillies 29 -1.

1916: The Boy Scouts of

America receives its congres-

sional charter.

1918: An inch of snow falls

in northern Pennsylvania.

1924: Native Americans

are proclaimed U.S. citizens.

1934: The Great Smoky

Mountains National Park is

dedicated.

1940: France surrenders to

German forces as Nazi troops

occupy the city of Paris.

1968: John Lennon and

Yoko Ono plant an acorn at

Coventry Cathedral.

1977: General elections are

held in Spain for the first

time since 1936.

1985: The Russian space

probe Vega 2 lands on Venus.

2002: An asteroid misses

hitting Earth by 75,000

miles.

2003: The San Antonio

Spurs defeat the New Jersey

Nets to win the NBA

Championship.


Celebrate dad and some historythis Fathers Day

b lif dl i j J 11 2014P 16 Z 3

8/12/2019 221657_1402051296June 11 2014 Z3 LR

16/28

Dracula makes an

appearance at The

Rhino Theatre in

June. This stage adaptation is

closely based on the original,

presenting the frightening

story that made this a horror

classic. The story focuses on

the mysterious Count Dracula

who has gone to England

where he lives on a large

estate next to an insane asy-

lum run by the incredibly

naive Dr. Seward. The others

that make up the cast of this

thriller include Professor Van

Helsing, Renfield, the beauti-

ful Lucy Westenra and

Charles. The plot develops

with all the excitement of the

original and then, in the end,

the audience is given the jolt

of a startling double twist.

Friday and Saturday shows are

at 8pm and Sundays shows are

at 2pm. Ticket price is $25 for

Adults and $23.50 for seniors.

Call for tickets at 973-248-

9491. Rhino Theatre is located

at 247 Wanaque Ave., Pompton

Lakes. Visit their website at

www.RhinoTheatre.com.


LUNCH SPECIAL$699MONDAY - SATURDAY

*

*CASH ONLY. CANNOT COMBINE WITH OTHER OFFERS OR GIFT CERTIFICATES. NOT VALID ON HOLIDAYS.1 Coupon Per table. Coupon must be presented before ordering. Not valid on parties 6 or more. Expires 6/28/14.

With thepurchase of a

beverage.

Meatloaf w/Mashed Potatoes, Fried Shrimp w/FF, Shrimp Scampi w/Pasta,Chicken Parmigiana w/Pasta, Chicken/Shrimp or Sole Francaise w/Vegetables

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

z3

MUST PAY AT BAR TO REDEEM $10. CASH ONLY. Cannot combine with other offers or gift certificates.Not valid on HOLIDAYS. 1 Gilly Money per table. Not valid on parties 6 or more. Expires 6/28/14.

z3

PAY AT BARTO REDEEM $10

RESTAURANT

Rhino Theatre presents: Dracula

June 6, 7, 8, 13, 14, 15, 20, 21, 22

Pictured is Chris Robertson playing Dracula is from Bloomfield andMichelle Scar playing Lucy is from Pompton Plains.

TAKE-OUT DINE-IN

Pizza MusselsItalian Dinners

Appetizers Calzones

Hot Wings Hot & Cold Subs

THERES NOTOPPINGUS!

HOURS: Mon.-Thur. 11am-10pm, Fri. & Sat. 11am-11pm, Sun. 12pm-10pm

FREE DELIVERYButler, Bloomingdale, Riverdale, Pompton Lakes, Kinnelon,Sections of Wayne, West Milford, Haskell, Pompton Plains

$6.00 Minimum

Online Ordering Available

FREE

3, 4 or 6ft Party Subs Sandwich & Wrap PlattersAny Mix Available

May not be combined with any other offer. One couponper visit. Take out, delivery or dine-in only. Exp. 6/30/14.

Tax not included.

May not be combined with any other offer.One coupon per visit.Take out,delivery ordine-in only. Exp.7/30/14. Taxnot included.

May not be combined with any other offer.One coupon per visit.Take out,delivery ordine-in only. Exp.7/30/14.Tax not included.


May not be combined with any other offer.One coupon per visit.Take out,delivery ordine-in only. Exp.7/30/14.Tax not included.

Plus Tax

2 LargeCheese Pies

Reg. $24.00

Plus Tax

3 LargeCheese Pies

Reg. $36.00

$19.99 $28.99

$2 OFFAny Dinner

orLarge Sub

$2 OFF $5 OFFAny Order

of $30or more


20%Off

Any CateringOrder

AnyPizzaPie


12 Main St., Butler 973-283-0454 973-283-4339Check Out Our Full Menu Online www.AJsPizzaonline.com

LARGE CHEESE PIZZA

with order of $50 or more

i it b it t lif dl i jJune 11 2014 Zone 3 Page 17

8/12/2019 221657_1402051296June 11 2014 Z3 LR

17/28

Its all about remembering

Dads favorites on Fathers

Day. While everyone

relaxes and enjoys the serenity

of the backyard, these ribs will

be slowly cooking to mouth-

watering perfection.

Orange-Ginger Baby Back

Ribs

Ingredients:

5 pounds baby back ribs

Sauce:

1 cup ketchup

cup hoisin sauce

4 tab soy sauce

2 tab grainy mustard

3 tab honey

2 tab orange juice

2 tab Asian chili sauce

1 tab Worcestershire sauce

4 cloves garlic, minced

1 tab ginger

Grated zest of an orange

Salt and pepper

Directions:

Preheat the grill to medi-

um and turn down to low.

Prepare ribs for grilling by

removing the membrane from

the underside of the ribs.

Prepare several foil envelopes

and place 2 strips of ribs into

each envelope, with 1/4 cup of

water and seal tightly. Cook

for 2 to 2 hours on low

(300F) with the lid closed.

Check the thermometer on

the front of the grill lid fre-

quently and adjust the cook-

ing temperature accordingly.

This may require turning one

or two burners off and cooking

indirectly.

To prepare the sauce:

Combine all ingredients in a

saucepan and set aside until

the ribs are ready to remove

from the foil. Gently heat the

sauce on the side burner for 10

to 15 minutes before using.

Carefully remove the ribs

from the foil and place on

grids. Baste generously with

sauce, and grill for 10 minutes

per side, leaving the lid open,

turning several times, and

basting with sauce after each

turn.

Heat remaining sauce to

a boil and then allow it to sim-

mer for 5 to 10 minutes. Serve

on the side as a dipping sauce.

Find additional recipes and

grilling tips online at

www.broilkingbbq.com.


Cinco De Mayo

majorcredit cards

OPEN 6 DAYSFrom 11AM-10PM for

LUNCH & DINNER

CLOSED TUESDAYS

orderonline

Authentic Mexican FoodFull Bar (Bloomingdale Only)

Catering Newly Decorated

Authentic Mexican FoodFull Bar (Bloomingdale Only)

Catering Newly Decorated

125 Hamburg Tpk.Bloomingdale

(Across from Quick Chek)

973.850.6777

140 Franklin Tpk.Waldwick

201.251.0700

www.cincodemayomenu.comwww.cincodemayobloomingdale.com

www.cincodemayowaldwick.com

125 Hamburg Tpk.Bloomingdale

(Across from Quick Chek)

973.850.6777

140 Franklin Tpk.Waldwick

201.251.0700

www.cincodemayomenu.comwww.cincodemayobloomingdale.com

www.cincodemayowaldwick.com

JoinusOnFriday,June13TH,

8PM

LiveMariachiBand

JoinusOnFriday,June13TH,

8PM

LiveMariachiBand

$3 OffAny Check of$15 or More

W/coupon. Not valid on holidays.Cannot be combined with any other

offers. Expires 7-11-14 L&L

Cinco De Mayo

$5 OffAny Check of$25 or More



Cinco De Mayo

$10OffAny Check of$50 or More



Cinco De Mayo

$1899

1 LG. CHEESE PIE & 1 ORDEROF BUFFALO WINGS

Only

$1599Only

1 LG. CHEESE PIE & 1 COLDANTIPASTO OR MUSSELS

$1699OnlyOnly

FAMILY MEAL DEAL

$1999OnlyLg. 1 Topping Pizza,

1 Garden Salad,

1 Order MozzarellaSticks,1-2 Lt. Soda

DANNYS PIZZATake-Out or Delivery only. Additional toppings extra.Not to be combined w/any other offers. Exp. 7/15/14

DANNYS PIZZATake-Out or Delivery only. Additional toppings extra.

Not to be combined w/any other offers. Exp. 7/15/14











2 Large1 Topping Pizzas

DINNER FOR 2Chicken Entrees Any Style,Pasta Any Style, Side Salad

2 LARGE

CHEESE PIES

$15 or MORE

$2199Only

$2799

ANY LARGE PIE

$2 Off


plustax

plustax

plustax

plus tax

2 for$22

$5 Off$2 Off$35 or MORE

3 LARGECHEESE PIES

plus tax

plus tax

plus tax



10%Off

Any Cateri ng Order$100 or More

Gather around the grill this Fathers Day

visit our website at www lifeandleisurenj com June 11, 2014Page 18, Zone 3

8/12/2019 221657_1402051296June 11 2014 Z3 LR

18/28


Free Estimates Fully Insured References Available

Innovative, Full ServiceResidential Remodeling,

Crafting Fabulous Kitchens,Additions, Bathrooms & Master Suites

Transforming Lives By Transforming Living Spaces...

Its What We Do

A Tradition of Delivering Value For Over 15 Years

Call for an appointment to set up a FREE DESIGN CONSULTATION at our new location

973-696-0333 1016 Route 23 North, Wayne (Just 200 feet after the Alps Road exit)www.advantagecontracting.com License# 13VH00011000

Our experience with contractors has run the gamut from horrendousto excellent, but not even our best experience can compare withdealing with you and your staff. Brenda and David B., Wayne, NJ

Whether its a minor remodel or a major home addition,we treat each project with the same attention to detail whileworking 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. Payments as-low-as$79 a month.

FINANCING

AVAILABLE

WAYNE

POWER

WASHING

House Washing Roof Washing

WASH & SEAL

Hot Water Washing for the cleanest results

Power washing is our only business

Protect your investment

HONEST ANSWERS

973.835.6739

Wolmans CertifiedContractor

Power Washers ofNorth America

ResidentialCommercialIndustrialConcreteWork

PRESTIGEPAVING

BACK BY

POPULAR DEMAND$200OFFANY DRIVEWAY

of $1,200 or More!Schedule before July 15, 2014

Owner On-SiteFully InsuredLic.#13VH02993700

WE ACCEPT

ALL M AJOR CREDIT CARDS

Ca ll Now

For a FREE

Es timate

973-838-0866www.prestigepavingllc.com

FREE In-HomeConsultationWhen you mention this ad.

201.321.4459www.BasementsBeyond.com [email protected]

Located in Pompton Lakes Serving Northern NJ In Business Since 2003

OwnerOperatedAskforTom

*Ask Me About Our Many Options, Including a UNIQUEWall Panel System that is Mold & Mildew Resistant.

Lic #13VH02033600Home Improvement

Contractor

HUMIDEXhelps create a continuous airexchange within the home, preventingstale, moist air from stagnating, whileimproving the overall indoor air quality.Authorized Dealer and LicensedInstaller of Humidex systems

Added Living Space Your Whole Family Will Love!*

$500 Off When You Mention This Ad.


8/12/2019 221657_1402051296June 11 2014 Z3 LR

19/28

Natural Cedar Mulch

Black, Brown, Red

30 Hillview Road Lincoln Park NJ, 07035

973-694-7495 Grorite.comHours: Mon-Fri 8am-8pm Sat 8am-6pm Closed Sunday for church and family

ServiceSavings

Selection

We are the Source We Grow and Sell Direct to you

We acceptAmex VisaMastercard

Discover

Lawn & Garden

SPECIALSGear up for lawn and

garden projectsthis spring!.com

EMERALD GREENARBORVITAE

4-5 REG.$49.99

SALE $29.995-6 REG.$59.99

SALE $39.99

ALL BEDDING FLATSMIXED COMBO OR

GERANIUM COMBOREG.

$29.99SALE

$24.99

2 FOR$40.00

REG.$11.99

SALE

$10.9910 for $99.99

24 PlantsPer Flat

Knockout Roses

(2 GAL)Reg. $39.99

SALE3 for

$60.00

25% OffAny Pump or Filter

In our Water Garden Department

25% OffAll Fountains

$4.49 $4010 for

$4.99 $4510 forSALE

SALE20%Off

FloweringTrees

20%Off

JapaneseMaples

All 10Hanging Baskets

Reg. $15.99

Sale $11.993 for $30

4 TomatoesOver 10 Varieties

Reg. $3.29

10 For$10.00

6 Potted AnnualsBegonia, Vinca, Marigold,

Upright Petunia

Sale $3.993 for $10

Endless SummerHydrangea

(1 Gal.)

Reg. $23.99

Sale $14.99

$5.00 OffAny Purchase

of $50.00 or MoreCoupon cannot be used on:

Sale Items, Deliveries,

Bulk/Bagged Items,

Arborvitaes and Florist Items.

Coupon Code: 23558

4 New Guinea ImpatiensReg. $3.29

10 For $20.00

visit our website at www.lifeandleisurenj.com, , g


8/12/2019 221657_1402051296June 11 2014 Z3 LR

20/28

You can help give backtoo! In remembrance of

Memorial Day DC Landscape

Design LLC will donate 15%

of the total labor on any

installation in the month of

June to Wounded Warriors

Project. I think this a greatway that all of the communi-

ties that DC Landscape

Design serves can help give

back too. People can feel good

about hiring a professional

landscape design and installa-

tion company that will actual-ly give back to the men and

women that help defend our

country.

Dennis ended by saying,

Giving feels great especially

when its something you can

see grow year after year.

DC Landscape Design is

fully licensed and has been cre-

ating, 1 of a Kind, Professional

Landscape Designs since 2007.

To schedule a free consultation

contact DC Landscape Design

at 973-305-8803.

v s t ou webs te at j

JP PAVINGJPPAVING

973.876.5015

3 Generations of Professional PavingParking Lots Private Roads Long Lanes

Paving & All Masonry Work Patios Brick DrivewaysNew Foundations Extensions Ripouts Recaps Concrete

Retaining Walls Drainage Systems Belgium Block

Lifetime Warranty on All Paving Stone

Fully InsuredNJ Lic #13VH018443800

jppaving-nj.com

Any JobCannot be combined with any other offers. Expires 6/30/14

20%

off

Any Job over $5000Cannot be combined with any other offers. Expires 6/30/14

$500off

NO DEPOSITNO PAYMENT DUE

UNTIL WORK IS

COMPLETE

CallForNoObligationEstimate

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

KOVACHFree

Estimates

FullyInsured

$500 OFFANY ROOFING JOB

Of $3,000 Or More

FREECOBRA RIDGE VENTWith Any New Roof

$30 OFFANY ROOFING REPAIR

Of $250 Or More

Member Of TheNorth East Roofing

Contractors AssociationMember Of TheBetter Business

Bureau

Quality You Can Trust Since 1886...From Americas Largest Roofing Manufacturer

973-835-5330FREEUpgrade To LifetimeShingles

Call for more details! Senior

Citizen

Discounts

WE DO SMALL REPAIR JOBSNJ Lic# 13VH00222500

WeClean

Roofs

Roof Removal Slate Tile Shingles Skylight Repairs Flat RoofsRubber Roofs Leaders & Gutters Chimney Repairs Chimney Liners Solar Panels

With coupon. May not be combined with anyother offers. Expires 8/31/14.



www.Kovachroofing.com Email: [email protected]

Nobody Covers You Better

Established 1948 A Professional Roofing Company

BROOK CONTRACTING, LLC79 Changebridge Rd. Montville, NJ

201-320-5818

APPLICATIONS

Pools Patios Driveways Garage Floors Walkways

SYSTEMS Kool Deck/Sun Deck Epoxy - Pebble, Rock Safety Surface - Rubber Pellets Concrete Sealers/Coatings Overlays - Stained/Dyed

Concrete - Grind/Polished Epoxy Garage

Concrete Garage Floor

LANDSCAPE HARD-SCAPE DECORATIVE CONCRETE

SPRING

SPECIALConc

reteDeckResurfacin

g

DC Landscape Design Donates Garden & Trees

continued from page 1


8/12/2019 221657_1402051296June 11 2014 Z3 LR

21/28

Fertilizing a lawn is aspringtime tradition for

many homeowners.

Winter can take its toll on a

lawn, but fertilizer can go a

long way toward helping a lawn

recover from harsh weather.

While lawn-and-garden enthu-

siasts might know the ins and

outs of fertilizing a lawn,

novices might need a little help

as they look to restore their

lawns.Find out what your lawn

needs. Even novice green

thumbs likely know that over

fertilization can harm a lawn,

and thats a big reason many

homeowners approach fertiliz-

ing their lawn with some trepi-

dation. A lush lawn adds to the

curb appeal of a home, while a

lawn thats patchy or appears to

be poorly taken care of can

lower property value. Beforefertilizing a lawn, homeowners

should determine the needs of

their lawns. A soil test can

determine if the lawn has any

nutrient deficiencies.

Dont overdo it with nitrogen.

Fertilizing with too much nitro-

gen is a common mistake, as

too much nitrogen can be

harmful, decreasing root

growth and increasing a lawns

susceptibility to disease. Aslow-release fertilizer may be an

option, as such fertilizers breakdown nutrients over a longer

period of time, which also

allows homeowners to extend

j

Gargas Roofing & ConstructionRoofing Problems?

We guarantee your roof

WILL NEVER LEAK AGAIN!

Fully InsuredLocal References Gladly Provided

All Work Guaranteed Free Written Estimates

NJHIC# 13VH00344800

High Quality Workmanship At An Affordable Price

All work done by our Professionals Owner Operated Owner Guaranteed

Specializing In:All Types of Roofing Tear Offs Re-Roofing New Roofs Flat Roofs

Wide Selection of Shingles

Gargas Roofing & ConstructionResidential & Commercial Roofing & Siding Specialists

FREEUpgrade To Lifetime Shingles

Call now for more details!

SIDING WINDOWS DECKS

On Any Complete Roofingor Siding Installation

Book by 8/31/14.

~OR~

$

500 OFFTotal Job

FREEInstallation of

seamless gutters

With This Ad. Exp. 8/31/14.

UP TO 100FT

973-772-8080973-772-8080For more useful info & to help the shingle selection process please visit:

www.gargasroofing.com

Summer

86 Main StreetBloomingdale973-838-0300

973-879-7319

[email protected]

WE DO THE COMPLETE JOBPlumbing, Electric, Carpentry & Ceramic Tile

50 Years Serving Passaic, Morris & Bergen CountySuperior Workmanship At Competitive Rates

Free Estimates

& Design Services 1273 Rt. 23 South Butler 973.838.1433Hours: Mon.-Thurs. 7-6, Fri. 7-7, Sat. 8-4, Sun. 9-12

THE COMPLETE PAINT STORE!

FOR 65 YEARS COVERING THE TRIBORO REGION

FREE Color Consultation at the Storeor In-Home with a charge.

Joan Ginty, Decorative Artist, member of IDAL,founder & owner of Heaven On Walls.

Call Joan at 973-283-0945.

No

Charge

ForTintin

g

Pint ColorSamples

$6.95 ea.In Eggshell Finish

With coupon. Excludes Super HideProducts. Cannot be combined.

20%OFFALL WALLPAPERAND BORDERS

4-Single Roll Minimum

Books May Be Taken Home

With coupon. Cannot be combined.

$2 OFFPER GALLON

Our Already LOWCOMPETITIVE PRICE onBenjamin Moore Paint

Cabots & Sikken Stains

We Feature Moores

Computer Color

Matching System

Expert Advice On Your

Paint Problems

Look for the Shamrock on the Roof!

Fertilizing for beginners



8/12/2019 221657_1402051296June 11 2014 Z3 LR

22/28


8/12/2019 221657_1402051296June 11 2014 Z3 LR

23/28

On the heels of a reces-

sion that saw homevalues drop, many

would-be investors have shied

away from buying investment

properties. But real estate has

historically remained a sound

investment, boasting a long-

term appreciation rate that

makes it a worthwhile invest-

ment for those who can with-

stand temporary setbacks in

housing prices and hold on totheir properties over the long

haul.

But investors are often

nervous as they look for their

first properties. Uncertainty

about housing prices aside,

investing in real estate is also

risky, and first-time investors

need to be comfortable with

such risk in order to make the

most of their investments.The following are a few things

potential real estate investors

should consider as they decide

if investing in real estate is

right for them.

Personal ability

Real estate investors typ-

ically have tenants, and those

tenants inevitably have needs.

Investors who have experi-

ence as contractors may notfind it difficult to renovate a

property and make it more

attractive to tenants, nor are

they likely to be inconve-

nienced when minor issues on

the property need to be

addressed. Investors with no

such experience will need to

hire contractors to do the

work for them, cutting into

potential profits down theroad. In addition, investors

who dont have the ability

and/or the time to address

minor issues like a clogged

drain or a drafty window on

their own will need to hire a

property management firm to

tend to such needs. Such firms

are effective, but also expen-

sive, further cutting into your

profits.Even those investors

with contracting experience

may have little or no knowl-

edge of how the leasing

process works, forcing them to

rely on a real estate firm to

write up leases and ensure all

leases stay current. This, too,

License #: NJ09980558654 2014 CENTURY 21 REAL ESTATE LLC. CENTURY 21 is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.

Call me today for your complimentary Mortgage Pre-approvaland Spring into the home buying process with confidence!!!

Recognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2013

973-200-3262 Direct 973-454-5183 Cell 973-200-3231 Fax [email protected]

Mortgage Payments listed above are based on principal & interest only on a 30yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of June 2, 2014. 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 terms are 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.

Ryan BarryMortgage Banker

NMLS# 183464

BUTLER $284,900$1,105 PER MONTH

3 BR, 1 BA, 1 CAR GAR Ranch4.125/4.234 APR

BUTLER $189,900$736 PER MONTH

2 BR, 1 BA, 1 CAR GAR Ranch4.125/4.281 APR

JEFFERSON TWP.$499,900

$1,938 PER MONTH4 BR, 2.1 BA, 2 CAR GAR Colonial4.125/4.195 APR

LITTLE FALLS $369,700$1,433 PER MONTH

3 BR, 1.1 BA, 1 CAR GARSplitLevel 4.125/4.213 APR

POMPTON PLAINS$169,900

$659 PER MONTH2 BR, 1 BA Cape Cod 4.125/4.297APR

PEQUANNOCK $232,900$903 PER MONTH

3 BR, 1 BA, 1 CAR GAR ExpandedRanch 4.125/4.255 APR


$1,085 PER MONTH4 BR, 2 BA, 1 CAR GAR Cape Cod4.125/4.236 APR

PEQUANNOCK TWP.$329,900

$1,279 PER MONTH3 BR, 1 BA Cape Cod 4.125/4.222APR

POMPTON PLAINS$2,650/ MONTH

3 BR, 2 BA

PEQUANNOCK TWP$284,500

$1,103 PER MONTH3 BR, 2 BA Expanded Ranch4.125/4.234 APR


$2,499 PER MONTH4 BR, 2.1 BA, 2 CAR GAR Colonial

4.25/4.310 APR

POMPTON PLAINS$1,249,999

$4,774 PER MONTH5 BR, 5.1 BA, 4 CAR GAR Custom

Expanded Ranch4.00/4.038 APR

POMPTON LAKES$459,900

$1,783 PER MONTH5 BR, 3.1 BA, 3 CAR GAR Colonial

4.125/4.199

TOTOWA $334,500$1,297 PER MONTH


WANAQUE $319,000$1,237 PER MONTH

4 BR, 1.2 BA, 2 CAR GAR Custom4.125/4.224 APR

WAYNE $264,900$1,027 PER MONTH



$1,124 PER MONTH4 BR, 1 BA, 2 CAR GAR Cape Cod4.125/4.233 APR

LINCOLN PARK$1,750/ MONTH

3 BR, 2 BA

POMPTON LAKES$2,100/ MONTH

2 BR, 2.1 BA

POMPTON PLAINS$2,300/ MONTH

3 BR,1.1 BA

WEST MILFORD $539,900$2,093 PER MONTH

4 BR, 2.2 BA, 2 CAR GAR Colonial4.125/4.191APR

142 Route 23 North, Pompton Plains, NJ 07444 (973) 686-1500 (800) 950-5021

RENT

AL

RENT

AL

RENT

AL

RENT

AL

Real estate investing for beginners



8/12/2019 221657_1402051296June 11 2014 Z3 LR

24/28

resume. Doing so

might just separateyou from your fellow

students, and that

can only help as you

begin your search for

an internship.

Ask around

among friends and

family members.

Sometimes you need

a little help to land a

good internship, so

dont be afraid to askyour friends and fam-

ily members if theyre

aware of any opportu-

nities. Adult relatives

might be aware of

internship opportunities at

their companies before the

general public, and theres no

shame in seeking help as you

try to take the first step

toward a rewarding career. In

addition to friends and familymembers, inquire about your

college or universitys alumni

network. Many alumni look

to hire students from their

universities for internships or

even entry-level positions, so

make the most of this poten-

tially valuable resource.

can cut into an investors prof-

its. Investors who dont bringany relevant expertise to the

table can still make a profit

from their real estate invest-

ments, but those profits likely

wont be as significant when

outside companies must be

hired to ensure the property is

in good shape and all neces-

sary documents are in order

and up-to-date.

Time

Real estate is often atime-consuming investment.

Tenants pay good money to

live in attractive rental prop-

erties, and those tenants will

have a host of needs that must

be met. Investors must be sure

they have the time to address

their tenants concerns, espe-

cially investors with no plans

to hire property management

firms. Potential investors who

already have full plates atwork and at home may not be

able to devote the time neces-

sary to make the most of their

real estate investments, andtherefore might be better off

finding another way to invest

their money.

Time also must be con-

sidered when considering

profits. Real estate is not the

type of investment that turns

a profit overnight. Even

investors who are looking to

invest in an up-and-coming

neighborhood must be pre-

pared to hold onto their prop-erties for at least a few years, if

not much longer, to maximize

their investments. Though

real estate is a sound invest-

ment, it is not a get rich quick

type of investment, so

investors looking to make a

quick buck should consider

alternatives before buying

investment properties.

Size

First-time real estateinvestors might be wise to

choose a smaller property for

their initial investment.

Larger properties can be over-whelming to manage, and

investors often rely on proper-

ty management firms to tend

to these properties. Such firms

charge more to manage bigger

properties, which can eat into

investors finances. Veteran

investors can handle such

overhead costs, but first-

timers might find themselves

caught off guard upon realiz-

ing the gravity of their finan-cial commitment. A good rule

of thumb for first-time

investors is to stick to smaller

properties, only moving on to

larger buildings once they are

fully comfortable with all that

comes with investing in real

estate.

Costs

The cost of a real estate

investment goes beyond the

purchase price of the home. Inaddition to the mortgage on

the property, investors must

pay the taxes and insurance

on the property, as well as anycosts associated with main-

taining and managing the

property. Certain tax breaks

are available to real estate

investors depending on where

they live. For example, in the

United States, taxes on the

profits when a property is sold

may be deferred if those prof-

its are immediately rolled into

another property (such a

deferment is only available tothose investors who arrange

this exchange prior to selling

the initial property). Potential

investors need to consider all

of these costs, and might want

to hire a real estate lawyer to

help them make the most of

their investments and any

profits they yield. But even

hiring an attorney is an addi-

tional cost investors must

consider before investing.

Enjoy the lifestyle you deserve with a REVERSE MORTGAGE loan. If youre a homeowner age 62 orolder, you can maintain the privacy and security of home ownership. Protect your estate and live your

golden years in the quality an

221657_1402051296june 11 2014 z3 lr

Documents