221657_1432902629june 3 2015 z3 lr.pdf
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T he United States Flagis the third oldest of the National Stan-dards of the world and is olderthan the Union Jack of Britain or the Tricolor of France.
The flag was first author-ized by Congress on June 14,1777. This date is nowobserved as Flag Day through-out America.
The flag was first flownfrom Fort Stanwix, on the siteof the present city of Rome,
New York, on August 3, 1777.
It was first under fire for threedays later in the Battle of Oriskany on August 6, 1777.
It was first decreed thatthere should be a star and astripe for each state (orthirteen colonies) wherebythere were thirteen originalcolonies at that time.
The three colors of theFlag can be explained as fol-lows: red is for valor, zeal andfervency; the white for hopepurity, cleanliness of life, andrectitude of conduct; the bluestands for the color of heaven,
a reverence to God, loyalty,sincerity, justice and truth.
The star (an ancientsymbol of India, Persia andEgypt) symbolized dominionand sovereignty, as well aslofty aspirations. The constel-lation of the stars within theunion, one star for each state,is emblematic of our FederalConstitution, which reservesto the States their individualsovereignty except as to rightsdelegated by them to theFederal Government.
The symbolism of the
Flag was thus interpreted byWashington: “We take thestars from Heaven, the redfrom our mother country, sep-arating it by white stripes,thus showing that we haveseparated from her, and thewhite stripes shall godown to posterity represent-ing Liberty.”
In 1791, Vermont, andin 1792, Kentucky wereadmitted to the Union andthe number of stars andstripes was raised to fifteen in
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June 3, 2015Zone 3, Vol. 13, No. 11
We are a Family, Friendly Publication
History of our flag
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visit our website at www. lifeandleisurenj .com June 3, 2015Page 2, Zone 3
NOTE: To have your group’s announce-ment appear in Community Happenings,please e-mail your paragraph to [email protected] 1
•Water Music: use fountains, waterfallsand ponds to create an oasis in your gar-den on Monday, June 1 at 7pm. We’ve allenjoyed nature’s serenity when we’veencountered a rippling brook or waterfall while hiking or traveling, but where isthat spot when we need it most? Thispresentation by Master GardenerBarbara Katz will help you re-create
those serene moments in your yard oradd a new dimension to your garden. Formore information, call the library at 973-835-5044 orcheck our website at www.riverdalelibrary.org.JUN 5
•St. Anthony’s Columbiettes, 65Hamburg Turnpike Butler, will havetheir 5th Annual Pocketbook BingoFundraiser on Friday, June 5 at 7pm(doors open at 6pm). Tickets: $15.00per person. Price includes: 1 packet ofBingo Boards (3 Boards each game)and snacks on the table. A small tricky
tray featuring gifts from Vera Bradley,Coach and Michael Kors will be at thisevent. Daubers will be on sale for $2each or bring your own. Cash Bar will beavailable. Please feel free to bring yourown food. For tickets please contact Lisa973-492-8540, Cathe 201-723-5935or email [email protected] 8
•Passaic County Court Appointed SpecialAdvocates (CASA), a non-profit organi-zation dedicated to advocate for abusedand neglected children in foster care, will hold their 6th Annual Tricky Tray on
Monday, June 8 at The WestmountCountry Club in Woodland Park at 6pm. Tickets are $50 per person and includeentrance, passed hors d’oeuvres, athree course dinner, one sheet of regu-lar tickets, and one bonus door prizeticket. To reserve a ticket, please call973-832-4002. To ensure group seat-ing, please submit reservations togeth-er. Passaic County CASA is also acceptingdonations for raffle items; donationsreceived prior to June 1 will be listed inthe event program.JUN 12
•Friday Movie Matinee on Friday, June12 at 1pm. View a recent blockbustermovie presented on our big screen.Refreshments will be served. For themovie title and more information, callthe library at 973-835-5044 orcheck our website at www.riverdalelibrary.org.JUN 22
•Adult Summer Reading Program regis-
tration starting Monday, June 22 at10am. Join the Riverdale Public Libraryin celebrating summer by participatingin our 2015 Adult Summer ReadingProgram “Escape the Ordinary.” Pickany book you like and simply let usknow what you read. The more youread, the more chances you have to winprizes. Please register in person at theLibrary or by phone at 973-835-5044.For more information, please call thelibrary at 973-835-5044 or check our website at www.riverdalelibrary.org.
Around theCommunity…•Butler Library card holders can check-out Free Museum Passes with $30 cashdeposit which will be returned when thepasses are returned. We have passesfor: The Intrepid Sea, Air & SpaceMuseum, The Morris Museum and
Grounds for Sculptures. Plan your triand come check one out soon. For morinfo check: www.butlerlibrary.org/ museum-passes/Butler Public Library located at 1 Ace Road, behind themunicipal building, on the internet at www.but lerlibrary.org, or by phone973-838-3262.•Join us for New Computer Classes foBeginners presented by CindyMeneghin, Director of StudentCommunications at Montclair StatUniversity on Friday, June 5 from10:15-11:15 am, Topic: Surfing the Weand Friday, June 19, from 10:15-11:15am, Topic: Creating an E-maiAccount. These free programs are limied to 10 participants in each class;please call 973-838-3262, or stop bythe library to pre-register. Butler PubliLibrary is located at 1 Ace Road, behinthe municipal building, on the interneat www.butlerlibrary.org, or by phone
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Art Director: Robin BantaSales: Lisa Buniewski, Larry Johnson, George Papendick, Denise Wirsing i Classifieds: Kathleen ToddPlease 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 onlyadvertisements 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. © 2015 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.
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visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 3
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,
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visit our website at www. lifeandleisurenj .com June 3, 2015Page 4, Zone 3
T hese were the ques-tions asked by JamesRyan of his wife, inthe Spielberg movie, SavingPrivate Ryan, aired this pastMemorial Day on AMC. Hewas at the gravesite of Captain John H. Miller, theman sent to find him after his2 brothers were killed duringthe US led Allied Forces inva-sion of Normandy and a 3rdbrother killed in Burma. MattDamon played Ryan oppositeTom Hank’s portrayal of JohnMiller, where Ryan eventuallyunderstood the depth andrisks of Miller’s assignment tolocate him in France so hecould return home as the onlysurvivor of the Ryan brothersgone to war.
Ryan understood theawesome responsibility of liv-ing a life worth saving and the
lives that were lost bringinghim home. He was charged bythose who sacrificed every-thing, to succeed in his life, tobe a good man and live a goodlife. The movie depicts thatPrivate Ryan did indeed do allof the above, surrounded byhis family at the gravesite of his fallen comrade, the com-mander of the mission, anEnglish school teacher, thisbrave leader with his dyingbreath, charged Ryan to“earn it!”
I attended the MemorialDay parade in Wayne lastweek, to see my youngest sonSam, march with the WayneHills High School Band ashe carried the beat, clanging
the cymbals exactly on cuefor 3 miles. American Flagswere everywhere and patriot-ism was on high as each color
guard procession marched bythe grandstand. Veteranswere marching and folksapplauded as the eventsunfolded in front of us.Spectators thanked themarchers for their service toour country, their service totheir communities and thesacrifices they endured, sothe rest of us can live freefrom harm and in peace.Servicemen and women, vol-unteer firefighters, emer-gency medical service work-ers, first aid volunteers,ambulance drivers, sheriff officers, police officers andother dedicated workers andvolunteers, all marchingtogether to honor those wholost their lives in service to
their country and those whocontinue to serve their coun-try and their neighborhoodsthrough volunteerism.
So now I must ask you,the reader, if you are honoringthose who died defending ourway of life by leading an hon-orable life worth dying for?How would those men wholanded in Normandy, to facebullets and bombs, judge yourlife that many of them died todefend and keep safe? Wouldyou make them proud orwould their sacrifice havebeen in vain based solely onthe example of how you havelived your life? It’s an intro-spective point to ponder and Isuggest that you do so for amoment, asking yourself the
same two questions that JamesRyan asked his wife: “Am I agood man and have I led agood life?” The importantthing to realize is that if youhonestly answer the questionsin the negative, there is plen-ty of time to change youranswer by doing those thingsthat will make your life a greatone as well as being a betterperson. One form of measureis the value you place in help-ing others where you willincur no economic benefit.Another, would be deter-mined by the financial assis-tance you provide to othersand a 3rd would be based onthe personal time you investto benefit others.
Financially speaking, vir-
tually everyone can afford towrite a check, in an amountnot injurious to your budget,to help other less fortunate
people. Two things I can attestto is that whatever you self-lessly give away, it is returnedto you and much more. Notthe same day, month, year oreven decade, but, it will comeback and in a much largeramount! The second is, youwill feel amazingly wealthy asa result of the action to give toothers in much greater needthan yourself. There was an adslogan years ago that said,“Try it – you’ll like it!”; whenit comes to charitable givingthe same slogan would applytoday!
My financial advice fortoday is two-fold: live belowyour means and pay yourself first, even before your otherbills. Live on less to savemore, invest more and givemore. One day you may findthat your discipline, sacrificeand consistency has paid-off handsomely for all concerned,both within your family circleas well as outside your circle.When you look at your spouselater in life to ask the ques-tions that James Ryan asked of his, she may well respond inthe extreme affirmative stat-ing you are a good man,adding that she is proud of youfor living a good life and pro-viding your family with theexample of a good an honor-able life too!
Our summer workshopseries kicks off June 9th, 10th,and 11th covering Long-term
Care, Estate Planning andRetirement Income Planning.Two sessions each day tochoose from, 1-3 pm or 7-9pm. Check for our greenflyer in this paper, examineour website or call the officefor specific information and toreserve your seats. Make thissummer a great time to learnabout financial planning.Register early to reserve yourseats! 973-831-4424
Mark E. Charnet, CAS, isPresident and Founder of
American Prosperity Group. APG is the Premier Retirementand Estate Planning Franchisein the United States with 20 of- fices in 10 states. Mr. Charnethas over 34 years of experiencein the Retirement and Estate
Planning fields. Creator of theTrinity Method of Investing©,Mark encourages your inquiries
and can be reached at: 973-831-4424 or via email,
[email protected] out our website:
www.1APG.com Interested ina career in retirement and estate planning? Check out this web-site: www.APGFranchise.comSecurities through: United Plan-ners Financial Services, a limit-ed partnership. Member SIPC,
FINRA and a RegisteredInvestment Advisor. APG is
located at: 901 Route 23 South2nd floor, Pompton Plains, NJ in the Lakeland Bank and
PediatriCare building.
“Am I a good man? Tell me I’ve led a good life?” By Mark Charnet
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973-838-3262.•The Reformed Church in Kinnelonannounces Precious Playtime, monthlySaturday evening babysitting for fami-
lies of children with disabilities. Fordetailed information regarding thebabysitters qualifications and the pro-gram specifics call 973-838-3113 or www.reformedchurchkinnelon.org.•Join Storytime for Infants, Toddlers,and Preschoolers. For 2-year-olds with acaregiver, there’s Totally Twos onMondays from 10:15-10:45am. Forinfants with a caregiver, check out Baby Time on Mondays from 11-11:30am.For 3 to 5-year-olds, come to PreschoolPals on Tuesdays from either 10:15-11am or 1:30-2:15 pm. Registration isrequired. Call 973-835-5044 or goonline at www.riverdalelibrary.org toregister.•Step into a Story at your local library! The Morris Area Youth Services (MAYS)group brings you a month-long pro-gram where you can visit your locallibraries and step into your favorite chil-
dren’s books. Enter to win a prize ateach library. The more libraries youvisit, the better your chances of win-ning! Stop by Riverdale Public Libraryto fall down the rabbit hole into
Wonderland! No registration necessary.•Therapy Dog Reading Program atButler Public Library is for any child who wishes to practice reading aloud.Come meet Joey a friendly, goldenretriever who listens well. Read thestory of your choice on Friday, June 12from 3:30-4:30pm. Register for thisfree program. Limit of 4 children each week. Please call 973-838-3262, stopby the library, 1 Ace Road, or visit www.butlerlibrary.org.•Butler Library presents Kid’s BookClubs. Jr. Book Club meets Mondays at5pm for ages 5-8, and at 6:30pm forages 8-12. We read and discuss a storytogether. The sessions run throughoutthe year. Each child receives a free copyof the book. Parents are required toremain in the Library during the pro-gram. Visit our website www.butlerli-brary.org or call 973-838-3262.
•Weekly computer assistance for beginners at Butler Public Library on Tuesdafrom 11am-12pm presented by volun-teer Paul Pilmanis. This free program limited to 10 participants. Please conta
the Library at 973-838-3262 or www.butlerlibrary.org to register.•The Circle of Friendship, a non-denominational support group for theseparated and divorced, meets at7:30pm on the first and third Thursdays each month at St. Mary’Church, 17 Pompton Ave. PomptonLakes. For information call the parisat 973-835-0374.•Bereavement Support Group meets onthe third Wednesday every month from6:45-7:45pm at Butler Public Library, Ace Road. The group is lead by LeShupp, author of “No One Hears MCrying,” a non-fiction book about deaing with the loss of a loved one. Lea wspeak from personal experience withanyone dealing with a similar situationPlease call 973-838-3262 or stop bythe library to sign up each month at
visit our website at www. lifeandleisurenj .com June 3, 2015Page 6, Zone 3
Community Happenings
continued on next page
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www.butlerlibrary.org.•The Pompton Lakes Republican Clubholds public monthly meetings every
third Thursday, at the VFW Post 2906,Wanaque Avenue. Participate ininformative meetings, community out-reach, youth scholarships and socialactivities. Questions? Call 973-835-4025 or email [email protected].
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W hich of course means mostly women will read this. Sowhen your wife, girlfriend, or significant other handsyou this, read it guys. It could save your life and yourrelationship.
Look, I’m 58, I’ve been receiving chiropractic adjustments for a longtime. I haven’t had the need for any medication in forty years orso. And I sure as he** don’t need any stinking Viagra or Cialis. Andneither do my male patients who have been getting regular adjust-ments, and some of them have 15 and 20 years on me!
This is simple guys, it ain’t rocket science. Everyone knows thatyour brain runs your whole body.That means everything. You knowyour spinal cord delivers the mes-sages from your brain to your bodythat tell your body to do what youwant it to do and need it to do. If
those messages don’t go throughyour spinal cord 100%, then yourbody isn’t working at 100%. Thatcould mean heart problems, highblood pressure, stomach issues, orother parts that don’t do their job.
Things don’t work right because the messages from your brainwhich are supposed to tell your body how to work are not goingthrough your spinal cord completely. Picture an electric circuit witha dimmer switch that is turned down part way.
Look, your back might not hurt. But neither do all cavities. Yourspinal bones can be subluxated, which means that your spinalbones are twisted, pressing on your spinal cord, slowing down mes-sages to your body parts. Having spinal subluxations does notmean your back will hurt, but it does mean that your body partsare not getting messages they need in order to work properly.
Having subluxations in your spine can be causing all kinds of bodyparts to malfunction. It could mean back pain, high blood pressure,heart problems, indigestion or kidney or liver problems or lowblood pressure in some parts when you need them to have highblood pressure (a.k.a E.D.)
Get your spine checked guys. Spinalsubluxations can cause all kinds of health problems. Do it for yourself.Do it for the beautiful person who gotyou to read this.
For GUYSon l y !
Call Dr. Gary C. Stewart,D.C. today foryour spinal exam at 973- 835-5773.STEWART FAMILY CHIROPRACTIC
is located at43 Newark Pompton Tpk.,
Riverdale, NJ 07457www.stewartfamilychiro.com
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CommunityHappeningscontinued from previous page
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correspondence. As otherstates came into the Union itbecame evident there wouldbe too many stripes. So in
1818 Congress enacted thatthe number of stripes bereduced and restricted hence-forth to thirteen representingthe thirteen original states;while a star should be addedfor each succeeding state.
That law still holds truetoday.
The name “Old Glory”was given to our NationalFlag on August 10, 1831, by
Captain William Driver of the brig Charles Doggett.
The Flag was first carriedin battle at the Brandywine,September 11, 1777. It firstflew over foreign territory on
January 28, 1778, at Nassau,
Bahama Islands; Fort Nassauhaving been captured by theAmerican in the course of thewar for independence. Thefirst foreign salute to the flag
was rendered by the FrenchAdmiral LaMotte Piquet, off Quiberon Bay, February 13,1778.
The United States Flag isunique in the deep and noblesignificance of its message tothe entire world, a message of national independence withindividual liberty, idealismand patriotism. It symbolizesnational independence andpopular sovereignty. It is notthe Flag of a reigning family orroyal house, but of 205 mil-lion free people welded into a
Nation, one and inseparable,united not only by communi-ty of interest, but by vitalunity of sentiment and pur-pose; a Nation distinguished
visit our website at www. lifeandleisurenj .com June 3, 2015Page 8, Zone 3
History of our flagcontinued from page 1
continued on page 10
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Swimming is a popularactivity once tempera-tures heat up. Millions
of people flock to beaches todip their toes in the water, andscores more spend afternoonsexploring the depths of back-yard pools.
Upon being introducedto the water, younger childrenmay be somewhat apprehen-sive, as swimming in pools oroceans can be intimidating toyoungsters. Parents shouldexercise extreme cautionwhen teaching kids to swim, asthe Centers for DiseaseControl and Prevention notesthat more than one in fivefatal drowning victims arechildren under the age of 14.
Although swimming canbe dangerous, experts in pedi-
atric and adolescent medicineaffirm that participation informal swimming lessons canreduce the risk of drowningconsiderably.
Children whose parentsswim may be eager to joinmom and dad in the pool. Thefollowing are some tips for par-ents as they start to develop aplan to teach their kids toswim.
Wait until the child isdevelopmentally ready. The
American Association of
Pediatrics recommends thatparents wait until after achild’s fourth birthday toteach them how to swim. Thisis when children have devel-oped enough to understandcommands and have themotor skills required for swim-ming. At this point, parentscan register children for swim-ming lessons with trainedinstructors.
Introduce playing in thewater early on. Parents
should make sure their chil-
dren grow accustomed toplaying in the water. Manykids start to like the wateraround the time they becometoddlers, when bathing intro-duces them to splashing andbobbing toys. Use theseopportunities to take yourchild into the water, so he orshe acclimates to feeling thewater on his or her body andface. Kids can sit with adultson pool steps or retrieve toysfrom within reach. An adult
always should be nearby.Wait before submerging
kids. The American Red Crosssays to wait until a child isaround age three before sub-merging him or her under thewater. Young kids can swallowa lot of water, which can bedangerous. Sputtering wateralso may turn a child off toswimming completely.
Begin in calm water. Theopen ocean can be daunting,even to adults. So it might bebetter to begin swimming les-sons in a calm body of water,such as a lake or pool.
Invest in formal swim-ming lessons. Parental percep-tions and anxieties may inter-fere with parents’ abilities toproperly teach their children
how to swim. Therefore, hirethird-party professionalinstructors to teach kids toswim. The Red Cross can putyou in touch with certifiedswimming instructors who alsoare knowledgeable in first aid.
As children becomemore confident in the water,they can practice swimmingstrokes and submerging them-selves for underwater swim-ming.
visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 9
Physical Therapy - Speech TherapyOccupational TherapySensory Integration
Has your childbeen diagnosed
with...Cerebral Palsy
AutismDevelopmental DelayBalance/CoordinationDisorderHypertonia(increased muscle tone)Hypotonia(low muscle tone)Down SyndromeSpina BifidaMetabolic DisorderTraumatic Brain InjuryWe can help, give us a call
973.616.830018 Newark Pompton Tpk
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SUMMER REGISTRATION going on noTeaching kids to swim
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for the clear individual con-ception of its citizens alike of their duties and their privi-leges, their obligations and
their rights.The American flag
incarnates for all mankindthe spirit of Liberty and theglorious ideal of humanFreedom; not the freedom of unrestraint or the liberty of license, but a unique ideal of equal opportunity for life, lib-erty and the pursuit of happi-ness, safeguarded by the sternand lofty principles of duty,righteousness with justice,and attainable by obedienceto self-imposed laws.
Floating from the loftypinnacle of AmericanIdealism, it is a beacon of enduring hope, like thefamous Bartholdi Statue of Liberty enlightening theWorld to the oppressed of all
lands. It floats over a won-drous assemblage of peoplefrom every racial stock of theearth whose united heartsconstitute an indivisible andinvincible force for thedefense and succor of the
downtrodden.It embodies the essence
of patriotism. Its spirit is thespirit of the American nation.Its history is the history of theAmerican people. Embla-
visit our website at www. lifeandleisurenj .com June 3, 2015Page 10, Zone 3
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History of our flagcontinued from page 8
continued on page 13
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Extreme heat can beunpleasant for anyone,and pets are no excep-tion. While it’s easy for menand women to detect if theirbodies are responding nega-tively to heat, those warningsigns may not be so prevalentin pets, who may suffer insilence as the mercury contin-ues to rise.
Pet owners must pay spe-cial attention to their pets onhot days, which the HumaneSociety of the United Statesnotes can be both uncomfort-able and dangerous for pets. Inan effort to help pet ownersprotect their pets from thesummer heat, the HSUS
offers the following tipsto pet owners who want tokeep their pets cool and safethis summer.
Don’t leave pets in aparked car. The temperatureinside a vehicle can quicklyapproach dangerous levels onhot days, so pet owners shouldnever leave thei r pets inparked cars, even if they leavethe air conditioning on andthe engine running. TheHSUS notes that on an 85-degree day, temperaturesinside cars with slightlycracked windows can reach102 degrees in as little as 10minutes. Rather thantaking pets with you on car
trips, leave them at homeinside a comfortably air condi-tioned room where they won’tbe vulnerable to rising tem-peratures.
Change pet’s exercisereg imen. Pet owners whomake sure their pets get dailyexercise should change suchroutines when temperaturesare on the rise. Midday walksor jogs should be switched toevenings or early mornings,when temperatures tend to beat their most moderate. Inaddition, cut back on the timespent exercising, as pets mayhave trouble breathing on hotdays. When taking your dogfor a jog or a run in the sum-
mertime, do so on the grass,avoiding asphalt, as hotasphalt can do significantdamage to your pet’s paws.
Be mindful of your breed.Dog owners should recognizethat certain dogs can handlethe heat better than others.Short-nosed breeds have aharder time in extreme heatbecause their shorter airwaysdon’t allow as much time forthe air they breathe in to coolas dogs with longer noses. Inaddition, the HSUS pointsout that dogs with white-col-ored ears are more susceptible
Brought to you byDr. Matthew Krupnick,the owner of Pequannock
Animal Hospital
How to protect your pets from extreme heat
visit our website at www. lifeandleisurenj .com June 3, 2015Page 12, Zone 3
Dr. Matthew Krupnick, D.V.M.
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continued on page 27
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visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 13
zoned upon its folds in lettersof living light are the namesand fame of our heroic dead,the Fathers of the Republic
who devoted upon its altarstheir lives, their fortunes andtheir sacred honor. Twice-toldtales of National honor andglory cluster thickly about it.Ever victorious, it hasemerged triumphant fromeight great National conflicts.It flew at Saratog, atYorktown, at Palo Alto, atGettysburg, at Minala Bay, atChateau-Thierry, and at Iwo
Jima. It bears witness to theimmense expansion of ournational boundaries, thedevelopment of our naturalresources, and the splendidstructure of our civilization. Itprophesies the triumph of popular government, of civicand religious liberty and of national righteousness
throughout the world.The flag first rose over
thirteen states along theAtlantic seaboard, with apopulation of some three mil-
lion people. Today it fliesover fifty states, extendingacross the continent and overgreat islands of the twooceans; and more than twohundred five million owe anallegiance. It has been
brought to this proud positionby love and sacrifice. Citizenshave advanced it and heroeshave died for it. It is the signmade visible of the strong
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History of our flagcontinued from page 10
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visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 15
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Couches are an impor-tant component of living rooms and
dens, serving as comfortableplaces to relax. Sofas will besat on, slept on and, if youngchildren are in the house,sometimes jumped on.
Homeowners looking fornew sofas often prioritizecomfort, but they also want asofa that can withstand the
test of time. Although there’sno magic formula, a sturdysofa should have a lifespan of around 10 years. According toHouzz, quality sofas shouldfeel solid and heavy. Theyshould have joints that aredouble doweled and fittedwith corner blocks that areboth glued and screwed (not
stapled) into place. Overtime, even the sturdiest couchcan start to show its age andlook a bit past its prime. Don’tfret. There are some easy waysto give that aging sofa amakeover.
Begin by reviewing theservice agreement. If you pur-chased an extended warrantyor protection plan on the fur-niture, you may be eligible for
repairs at no cost. Stores willrestrict just what is coveredunder such service plans, andregular wear and tear may beexcluded. However, rips, cer-tain stains or opening seamsmay be eligible for repair.Covered costs means not hav-ing to spend any money out of pocket.
Cleaning may be anothersimple fix. Check with themanufacturer’s guidelines forcleaning. Certain fabricsrequire specific cleaning solu-tions. If you are ever unsureabout what to use to clean thesofa, use a mild solution of soapand water in an inconspicuousspot first. Many carpet andupholstery cleaning solutionscan be used on furniture. Use
sparingly and test for color-fast-ness before cleaning the entirecouch. For those who are skit-tish about cleaning the sofa ontheir own, consult with a pro-fessional upholstery cleaningservice.
Slipcovers are anotheroption to revitalizing the look
visit our website at www. lifeandleisurenj .com June 3, 2015Page 16, Zone 3
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continued on next page
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of an aging sofa. Fitted slip-covers slide right over theexisting couch cushions andcan change an outdated sofainto one that looks brandnew. Measuring correctly andbuying accordingly will helpachieve a seamless look.
There also are some easydo-it-yourself fixes for couch-es that may be sagging orlooking deflated. If seat cush-
ions can be removed, considerplacing firm cardboard orwood on top of the springs toprovide more firmness.Cushions may begin to sagwhen the springs underneathbegin to lose their elasticity. If the cushions are the problem,replacing the foam in thecushions or the loose-fill stuff-
ing in the pillows can breathenew life into the couch. Foamcan begin to disintegrate andlose its shape and integrity.Craft stores, home improve-ment centers and fabric storesoften carry foam products, but
those you can’t find might beavailable via online orders.
Do not give up on a sofajust yet. It may be repaired orgiven a fresh look to make itappear like new.
visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 17
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How to revitalize an aging sofacontinued from previous page
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visit our website at www. lifeandleisurenj .com June 3, 2015Page 18, Zone 3
Curb appeal can help ahome get noticed in abustling real estate
market. Curb appeal also cancontribute to the aesthetics of a neighborhood for residentswho plan to stay put, and
many homeowners feel anattractive exterior is just asimportant as a comfortableinterior.
Homeowners do nothave to spend a fortune toimprove the curb appeal of
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A messy, untamed frontyard can detract from a per-
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Easy and budget-friendly ways to add curb appeal
continued on next page
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visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 19
can go a long way to making ahome more appealing. If yourthumb is anything but green,hire a professional lawn andgarden service to help youestablish a lush, green lawn.Dress to impress
The entryway to a homeis the first thing visitors willsee. Be sure the front door andentryway are in good repair. Apop of color can’t hurt, either.
If you do not like the idea of painting the door a vivid hue,dress it up with a colorfulwreath or another decorativeaccent. Carry your interiordesign style to the outdoors aswell. Welcoming accents,such as cushioned chairs orpotted plants, also add curbappeal. Consider painting
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Easy and budget-friendly ways to add curb appealcontinued from previous page
continued on page 24
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INGREDIENTS1 ½ cups all-purpose flour,(spooned and leveled)½ teaspoon baking soda½ teaspoon salt½ cup (1 stick) unsalted but-ter, room temperature½ cup packed light-brownsugar¼ cup granulated sugar
¼ cup sour cream1 large egg1 teaspoon pure vanilla extract1 ½ cups mini chocolate chips1 pint vanilla ice cream, soft-enedDIRECTIONS
Preheat oven to 350degrees, with rack in center. Ina medium bowl, whisk together
flour, baking soda, and salt.Using an electric mixer, beatbutter and sugars until lightand fluffy. Add sour cream, egg,and vanilla; beat until smooth.
With mixer on low, graduallyadd flour mixture; mix in 1 cupchocolate chips.
Using 1 rounded table-
visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 21
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Additional toppings extra. Not to be com-bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.Additional toppings extra. Not to be com-
bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.Additional toppings extra. Not to be com-
bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.
Additional toppings extra. Not to be com-bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.
Additional toppings extra. Not to be com-bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.
Additional toppings extra. Not to be com-bined w/any other offers. Exp. 6/30/15.
DANNY’S PIZZAPlus Tax. Take-Out or Delivery only.
Additional toppings extra. Not to be com-bined w/any other offers. Exp. 6/30/15.
2 for $22 DINNER FOR 2Chicken Entrees Any Style,Pasta Any Style, Side Salad
$21 99
O n l y$18 99
O n l y$15 99
$27 99
1 LG. CHEESE PIE & 1 ORDER OF
BUFFALO WINGS$16 99
1 LG. CHEESE PIE & 1 COLD ANTIPASTO
OR MUSSELS
$2 Off $2 Off $5 Off
O n l y
O n l y
O n l y
2 LARGECHEESE PIES
3 LARGECHEESE PIES
2 Large1 Topping Pizzas
$15 OR MORE $35 OR MORE
10 % Off Any Catering Order $100 or More
ANY LG PIZZA O n l y$29 99
2 PLAIN PIES20 WINGS
(1) 2 LITER SODA
“Voted
BEST PIZZA
in theTri-boro area
by PLHS Music Parent Association”
Chocolate chip ice cream
sandwiches
continued on page 27
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visit our website at www. lifeandleisurenj .com June 3, 2015 Zone 3, Page 23
License #: NJ09980558654 ©2015 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 today for a complimentary Mortgage Pre-approvaland know your buying power
before beginning the home buying process.
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] Payments listed above arebased on principal & interest only on a 30yr fixed mortgageand 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 May 22, 2015. Terms for Condos listed above are suFannie Mae Guidelines.This information is not to be considered a commitment to lend. Programs and terms are subject to change withou t notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35 286 Equal Housin
Ryan BarryMortgage Banker
NMLS# 183464
PEQUANNOCK $284,5003.875/3.982 APR
$1,070 PER MONTHEXPANDED CUSTOM RANCH!
3 BR, 2 BA.
POMPTON PLAINS $350,0003.875/3.965 APR
$1,317 PER MONTHNEWLY LISTED!
4 BR, 2 BA, 2 CAR GAR.
POMPTON PLAINS $419,0003.875/3.953 APR
$1,576 PER MONTHNEWLY LISTED!
3 BR, 2 BA, 1 CAR GAR.
POMPTON PLAINS $219,9003.875/4.009 APR
$827 PER MONTHGROUND FLOOR UNIT!
2 BR, 2 BA.
POMPTON PLAINS $435,0003.875/3.950 APR
$1,636 PER MONTHPRICE REDUCED!
4 BR, 1.1BA, 2 CAR GAR.
POMPTON PLAINS $307,5003.875/3.975 APR
$1,157 PER MONTHEXPANDED CAPE COD!
3 BR, 1 BA.
KINNELON $474,9003.875/3.945 APR
$1,787 PER MONTHEXPANDED RANCH!
4 BR, 2 BA, 2 CAR GAR.
POMPTON PLAINS $729,0003.875/3.926 APR
$2,742 PER MONTHPRICE REDUCED!
4 BR, 3 BA, 2 CAR GAR.
POMPTON PLAINS $389,9003.875/3.957 APR
$1,476 PER MONTHMANY UPDATES!
4 BR, 2 BA, 1 CAR GAR.
POMPTON PLAINS $623,0003.875/3.932 APR
$2,344 PER MONTHCHARM & HISTORIC DETAILS!
3 BR, 2.2 BA.
BUTLER $179,8003.875/4.035 APR
$676 PER MONTHGREAT STARTER HOME!
2 BR, 1 BA.
BUTLER $319,9003.875/3.972 APR
$1,203 PER MONTHLAKE EDENWALD RANCH!
3 BR, 1 BA.
CALL
TODAY 973-686-1500
142 Route 23 NorthPompton Plains, NJ 07444
AWARD-WINNING CENTURION® OFFICESMARTER. BOLDER. FASTER.
CR E S TRE A LESTATE
KINNELON $580,0003.875/3.936 APR
$2,182 PER MONTHGORGEOUS LAKEFRONT VIEWS!
4 BR, 2.1 BA.
LINCOLN PARK $ 327,0003.875/3.970 APR
$1,230 PER MONTHNEWLY LISTED!
3 BR, 1.1 BA.
LINCOLN PARK $247,5003.875/3.995 APR
$931 PER MONTHRAISED RANCH!
2 BR, 1 BA.
LINCOLN PARK $264,9003.875/3.988 APR
$997 PER MONTHUPDATED 2ND FLR UNIT!
2 BR, 2 BA.
RANDOLPH $465,0003.875/3.946 APR
$1,749 PER MONTHBEAUTIFULLY UPDATED SPLIT!
3 BR, 1.1 BA, 2 CAR GAR.
RIVERDALE $1,349,9003.875/3.910 APR
$5,078 PER MONTHPRIVATE PARADISE!
6 BR, 4.2 BA. 2 CAR GAR.
WAYNE $379,8003.875/3.959 APR
$1,429 PER MONTHCUSTOM COLONIAL!
4 BR, 2 BA, 1 CAR GAR.
WEST MILFORD $319,0003.875/3.972 APR
$1,200 PER MONTHPINECLIFF LAKE CUSTOM HOME!
2 BR, 2.1 BA, 2 CAR DET GAR.
POMPTON LAKES $299,9993.875/3.977 APR
$1,129 PER MONTHPRICE REDUCED!
3 BR, 1.1 BA
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Use it to frame your entrywayand throughout your property.Symmetrical use of lightingfixtures, plants, trees, and dec-orative items really can havean impact.Don’t forget lighting
Outdoor lighting addsappeal and safety to a proper-ty. Use lighting to accent aspecial landscaping feature orto illuminate a walkway. Fewpeople enjoy approaching adark home, and outdoor light-ing can ensure your property
always is well-lit. Remember,curb appeal is applicable bothday and night.
Improving on curbappeal can make a differencein how others view yourhome.
visit our website at www. lifeandleisurenj .com June 3, 2015Page 24, Zone 3
KINNELON $525,000Smoke Rise-4BR + Office, 4.1BA Wooded-Lot Colo-nial on 3.79 Acres, Cozy FPLC, Skylight, Ceramic TileFlr, Deck, 2 CAR GAR. MLS #3223001
KINNELON $649,000Smoke Rise-Retreat to this 3BR/4BA, streamsideRanch nicely sited on 1.33 Acres. 3 FPLCS, CathedralCeilings, Wood Flooring. MLS #3220985
KINNELON $879,000Smoke Rise-Discover the charm and elegance per-vading this Contemporary Custom 4BR/5+BA posi-tioned on 1 Acre, 3 CAR GAR, Deck. MLS #3210217
KINNELON $850,000A splendid new beginning awaits you in this Fenced5BR/2+BA Lake-View Colonial. 3 CAR GAR, 2FPLCS, Deck. MLS #3215865
KINNELON $1,249,900Smoke Rise-Captivating 5BR/4+BA home ideallysited on 2.39 Acres , I/G Pool. 4 FPLCS, Full W/OLow Level, an Entertainers Dream. MLS #3197811
MONTVILLE $1,375,000Welcome to Brookwood Estates! 6BR/4.1BA Col. featTimeless Beauty w/Hand Crafted Excellence & OldWorld Charm. MLS #3224154
ROCKAWAY $359,900Treat yourself to this 3BR/2+BA, Park-Area home ide-ally set on 1.39 Acres. 2 FPLCS, Cathedral Ceilings.GAR. MLS #3220741
KINNELON $469,000Inviting 3BR/2BA Split-Level. 2 FPLS, Formal DiningR, Zoned Heat/Cooling, 2 CAR GAR, Baseement. MLS#3208649
KINNELON $565,000Treat yourself with luxury in this outstanding4BR/2+BA Colonial situated on 1.51 Acres. 2 FPLCS,Skylight, Deck. MLS #3216278
KINNELON $599,900Experience the charm of this lovely, 5BR/3+BA Colo-nial sited on 1.31 Acres. Attractive Pool, 2 FPLCS,Patio. MLS #3212563
ROCKAWAY $1,875,000Custom 4BR/3BA Mountain-View, Lake home on1.55 Acres. 4 CAR GAR, 2 FPLCS, Cathedral Ceil-ings, Patio. MLS #3221112
BLOOMINGDALE $649,900Truly welcoming Custom 3BR/2BA Colonial en-hanced by a Mountain View. Gas FPL, Wood Floor,MB, Deck. MLS #3213137
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MOVING
Easy and budget-friendly ways to add curb appealcontinued from page 19
[email protected] CIRCLE OF EXCELLENCE
2002-2014Consistent
TOP PRODUCER in the WAYNE area.
TOWNHOME SPECIALISTRELOCATION AGENT
~ SHORT SALE AGENT ~OWE MORE THAN
YOUR HOME IS WORTH?
GEMINI LLC Realty 973-696-1111x131
197 Berdan Ave., Wayne, NJ
CALL MARIA at 973-986-6914 Cell
for CURRENT MARKET VALUEOF YOUR HOME
A L S O F O R
R E N T
M A R I A F E R R I T OProfessional Full Service Realtor
WAYNE$1,049,000
Custom 5BR 5.5BAColonial, sunken family
room, sunroom, 3 car gar.Rental $5,500/mo.
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v s t ou webs te at www. j .co g
visit our website at www. lifeandleisurenj .com June 3, 2015Page 26, Zone 3
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0051 AUTOMO-BILES WANTED
WE BUY CARS !WE BUY TRUCKS !
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WE DO SMALL REPAIR JOBSNJ Lic# 13VH00222500
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ERICKSONMasonry, LLC
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Advertise in the Classifieds.
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spoon per cookie, drop moundsof dough, about 1 ½ inchesapart, onto two baking sheets.(You’ll have 25 to 30 cookies.)
Bake until golden, 10 to 12minutes; transfer to a rack to
cool completely.Scatter remaining choco-
late chips on a plate. Placeabout 2 tablespoons ice cream
between 2 cookies, bottomsfacing in; press gently. Roll thesides of each sandwich in chips.(If ice cream is melting, placesandwiches in freezer until firm
enough to roll in chips.)Transfer sandwiches onto bak-
ing sheets. Freeze until firm, atleast 2 hours; then wrap indi-vidually in plastic.
Chocolate chip ice creamsandwichescontinued from page 21
to skin cancer than otherdogs, making it imperativethat owners of such dogsreduce their exposure to thesun on hot days when the UVindex is especially dangerous.
Let dogs inside.Doghouses might not be asprevalent as they once were,but many owners still keep
doghouses in their backyardsso their four-legged friendshave a place to relax outdoorson lazy afternoons. But dog-houses can be similar toparked cars on especially hotdays, making rising tempera-tures feel even hotter. Letdogs hang out inside in an air
conditioned room on hot daysto reduce their risk of heat-stroke.
Learn to recognize thesigns of heatstroke. Pets suf-fering from heatstroke willexhibit certain symptoms,and pet owners who learn torecognize those symptoms cando something about thembefore it’s too late. Heavypanting, glazed eyes, rapid
heartbeat, difficulty breath-ing, excessive thirst, and lackof coordination are just a fewpotential indicators that
a pet is suffering from heat-stroke. Animals that are veryold, very young, overweight,and unaccustomed to pro-longed exercise, as well asthose who have heart or respi-ratory conditions, are espe-cially susceptible to heat-stroke. Learn moreabout pets and heatstroke atwww.humanesociety.org.
Extreme heat can bedangerous to pets, who oftensuffer in silence when dealingwith the consequences of extreme heat. Pet owners whotake certain precautions andlearn to recognize signs of a pet struggling with heat canbetter protect their animals
from succumbing to risingtemperatures.
Dr. Matthew Krupnick is theowner of the Pequannock Ani-mal Hospital. He grew up inKinnelon and is happy to be
home – with his wife, three cats,and two dogs – to provide quali-ty and compassionate care for
pets in the community. The Pe-quannock Animal Hospital is
located at 591 Newark Pomp-ton Turnpike in Pompton
Plains. You can reach the hospi-tal by calling 973-616-0400.
How to protect your pets fromextreme heatcontinued from page 12
Ci d G ll h Y H
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“If you are considering a move, give me a call and I will guide you every step of the way.Cell 973-714-3897. The Realtor you choose makes a BIG difference. Put my negotiation skills to work for you!!
www.KinnelonRealty.comColdwell Banker Kinnelon Office1450 Rt23 North, Butler NJ 07405Direct Office 973-283-7725 • Office 973-838-9300 x244Call Cindy at 973-714-3897 cell
Cindy Gallagher
All Realtors Are Not The Same.When You’re Ready to Sell, Call Cindy.
Cindy Gallagher
Call me on my cell 973.714.3897
f|ÅÑÄç Uxáà à{x
A Native Of Kinnelon #1 Top Producer
Relocation SpecialistCircle Of Excellence Premier Sales Agent Preview Property Specialist
email me [email protected]
© 2014 Coldwell Banker Real Estate LLC. Coldwell Banker ® is a registered trademark of Coldwell Banker LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.
Your Home Can Be Listed in This Ad...
Call Cindy Today for an
Appointment! 973.714.3897
KINNELON/ SMOKE RISE $1,245,000ENJOY LUXURY LIVING WITHIN THE PRIVATE GATED SMOKE RISE COMMUNITY IN THISELEGANT WEST SHORE ESTATE. This 5 Bedroom 4 Full and 1 Half Bath Home sits on a Very PrivateLot That Has Been Designed and Maintained by Professional Landscape Artists to Provide Beauty and
Privacy on the Most Sought After Dead-End Street in Smoke Rise. Gorgeous Black Gunite Pool That Has Two Streams and a Waterfall Above a Grotto. This Home Has Been Renovated Inside and Outside and Hasan Open Floor Plan. There is Space For Every Person to Have Privacy and is Large Enough for EntertainingLarge Gatherings. The Interior Features a New Kitchen with Marble, Viking Gas Stove with Double Oven.New Lower Level Kitchenette with SS Appliances, 5 New Bathrooms, New Timberline Roof, New GeneracAuto-Switch Generator. Too Many Items To List. Move Right In. GSMLS#3225400
KINNELON/ESTATES $840,000
KINNELON/ SMOKE RISE $575,000FABULOUS 5 BEDROOM CENTER HALL COLONIAL ON A QUIET STREET WITH BRIGHT,SPACIOUS ROOMS THROUGHOUT.Beautiful Sunny Eat-In Kitchen with Plenty of Cabinets. Opento the Family Room with a Brick Fireplace, Hardwood Floors & Sliding Doors to the Deck & LevelFenced-in Backyard. The Formal Living Room & Dining Room Boast Crown Moldings. Hardwood Floorson the First & Second Levels. The Master Bedroom Suite with Sliding Glass Doors to a Private Balconyand Master Bathroom with Stall Shower. 4 Additional Bedrooms & a Full Bathroom with a Double SinkVanity. Finished W/O LL with a Recreation Room, Media Room & Storage Room. Main Level Garagefor your Convenience. Very Prestigious 24-Hour Gated Community with Swimming, Boating, & FineDining at the Smoke Rise Inn. Close to School Bus Stop. Top Rated Schools. GSMLS#3211983
KINNELON $525,000THIS CENTER HALL COLONIAL OFFERS MANY POSSIBILITIES.4 Bedrooms and an Office with a Possibl e In-Law Suite and Separate Entrance on the Main Level or Pe rfect for a Home Office.Very Spacious Rooms Throughout. Large Eat-In Kitchen with Sliding Glass Doors Out to the Deck.Formal Dining Room, Formal Living Room, Family Room, Fireplace, Laundry Room. You Will Not beLooking for Space in This House! Set Back Off the Road this Approx. 4,454 Square Ft Home Has soMuch to Offer. The Very Large Basement is Just Waiting to be Finished for a Possible RecreationRoom/Theater Room. Close to School & Major Highways. Kinnelon Offers a Top Rated School Systemand is Only Approx 25 Miles from New York City. Make Sure You See This House. A Lot of House Forthe Money. Make It Your Own! GSMLS#3223001
KINNELON/ SMOKE RISE $675,000SOPHISTICATED DESIGN, LARGE SUNDRENCHED SOLARIUM WITH WALLS OF GLASSTHAT CREATE BRIGHT OPEN SPACES IN THE GORGEOUS KITCHEN WITH CHERRY ANDGRANITE OVERLOOKING THE IN-GROUND POOL.Explore Many Options in this Large Spacious
Home. Features, 5 Bedrooms and 2 Offices or a Possible 6th Bedroom and 1 Office. FLR w/FHrdwd Flrs, Heated Sun Porch. Finished W/O LL also w/Sundrenched Solarium Walls of GlaRecreation Room w/Large Stone Fireplace, Sauna, Full Bathroom, Exercise Room, PossiblBeautifully Maintained Throughout. Smoke Rise is a 24 Hour Gated Community with a BeFed Lake and a Sandy Beach to Enjoy Swimming, Boating, Sailing, Fishing & Swim Teamin the Ramapo Mountains, Smoke Rise is One of the Most Prestigious Club Communities. G
OVER 25 YEARSEXPERIENCE IN
SALES & MARKETING
ELEGANT CUSTOM 5 BEDROOM 4 FULL AND ONE HALF BATH COLONIAL IN ASPECTACULAR NEIGHBORHOOD.Beautifully Appointed at Every Turn. Very Spacious Rooms, HrdwdFloors, Custom Crown Moldings, Sky Lights. Open floor plan. Great for Entertaining. Two story Foyer, Light
Bright Kitchen with Custom Cabinetry, Subzero Refrigerator & Freezer, Large Double Wall Ovens, Wet Bar,Center Island with a Breakfast Bar, Dining area, Open to the Family Room with a Gas Fireplace. A LivingRoom with a Gas Fireplace, A Formal Dining Room, A Library/office, An In-Law-Suite or Four-Season SunRoom with a Full Bath & Separate Entrance. The Master Bedroom Suite w/Sitting Area, Gas Fireplace andLarge Master Bathroom. 4 Additional Bedrooms and Two Full Baths. Extra Large W/O LL Plumbed for aBathroom. Paver Walkways and Paver Patio, on Gorgeous Park-Like Property. GSMLS#3212525
100 Lanidex Plaza, 2ND Floor | Parsippany, NJ 07054Main : (862) 261-9160| Cell: (862) 881-7701Fax: (973) 463-3494NMLS # 1188216 | Company NMLS # [email protected]
JOHN G. FINKLEMortgage Loan Originator Director of Mortgagefor Champions
Licensed by the NJ Dept. of Banking and Insurance – JMLS#34973